Business support device, business support method, and business support program

Abstract

To provide a work support device and the like that can flexibly interlock rating and self-assessment, such as interlocking an assessment result of the rating with the self-assessment and interlocking an assessment result of the self-assessment with the rating.SOLUTION: When a customer number, a rating category, a name of a primary rating registration / approval screen, and a level are provided from the screen, the provided name means rating work, so a work support device stores the provided rating category in rating approval history data in association with the provided level and customer number, refers to a mutual update master on the basis of the provided name and level to confirm a data update destination and setting content of presence or absence of update of the category, when it is confirmed that the data update destination is self-assessment data and the category has been updated, refers to a rating category master on the basis of the provided rating category to acquire a debtor category, and store the acquired debtor category in self-assessment approval history data in association with the provided level and the customer number.SELECTED DRAWING: Figure 11

Description

Technical Field

[0001] The present invention relates to a business support device, a business support method, and a business support program.

Background Art

[0002] Patent Document 1 discloses an automated method for debtor rating and self-assessment operations and an automated system therefor that can efficiently perform self-assessment operations and calculate self-assessment amounts standardized to a certain quality.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] Here, financial institutions perform rating and self-assessment operations as financing judgment and credit risk management operations. Rating is the operation of ranking customers (debtors) who are being financed, and self-assessment is the asset assessment of claims and the like performed by the financial institution itself. Therefore, although rating and self-assessment are evaluations of the repayment ability of customers (debtors) from different viewpoints, consistency is required in the evaluation results. However, the judgment as to whether the evaluation result of either rating or self-assessment can be automatically linked to the other when the evaluation result of one of them is determined varies among financial institutions depending on the customer base and operation system.

[0005] The present invention has been made in view of the above problems, and an object thereof is to provide a business support device, a business support method, and a business support program that can flexibly perform the linkage between rating and self-assessment, such as linking the evaluation result of rating to self-assessment or linking the evaluation result of self-assessment to rating.

Means for Solving the Problems

[0006] In order to solve the above-described problems and achieve the object, a business support apparatus according to the present invention includes: grading data that holds grading categories for each customer and for each stage of the grading operation; self-assessment data that holds, for each customer and for each stage of the self-assessment operation, a debtor category and specific information that enables identification of the grading category; a grading category master that holds the debtor category for each grading category; and a mutual update master that holds, for each type of business and for each of the stages, whether the data update destination is the grading data or the self-assessment data and whether the classification is to be updated. The apparatus is accessible to these components. When the identification information of the customer, a combination of the debtor category and the specific information, or the grading category, the type, and the stage are provided, if the provided type means the grading operation, the provided grading category is associated with the provided stage and the provided identification information and stored in the grading data. If the provided type means the self-assessment operation, a combination of the provided debtor category and the specific information is associated with the provided stage and the provided identification information and stored in the self-assessment data. A confirmation unit refers to the mutual update master based on the provided type and the provided stage to confirm the setting content of the data update destination and whether the classification is to be updated. When the confirmation unit confirms that the data update destination is the self-assessment data and the classification is to be updated, the debtor category is obtained by referring to the grading category master based on the provided grading category, and the obtained debtor category is associated with the provided stage and the provided identification information and stored in the self-assessment data. When the confirmation unit confirms that the data update destination is the grading data and the classification is to be updated, the grading category is specified based on the provided specific information, and the specified grading category is associated with the provided stage and the provided identification information and stored in the grading data. The apparatus is characterized by comprising the above components.

[0007] In the business support device according to the present invention, the mutual update master may further hold whether or not the specific information is updated, by type and by stage. When the first update unit is provided with the identification information, the combination of the debtor classification and the specific information or the combination of the rating classification and the specific information, the type, and the stage, if the provided type means the rating business, the combination of the provided rating classification and the specific information may be stored in the rating data. When it is confirmed by the confirmation unit that the data update destination is the self-assessment data and there is an update of the classification and an update of the specific information, the combination of the acquired debtor classification and the provided specific information is stored in the self-assessment data. When it is confirmed by the confirmation unit that the data update destination is the rating data and there is an update of the classification and an update of the specific information, the combination of the identified rating classification and the provided specific information may be stored in the rating data.

[0008] In addition, the business support device according to the present invention may further be able to access processing status data that holds, for each customer, the current status of the rating operation defined based on the stage of the rating operation and the instruction classification of registration or approval, and the current status of the self-assessment operation defined based on the stage of the self-assessment operation and the instruction classification. In the business support device according to the present invention, the mutual update master may hold, for each type, stage, and instruction classification, whether the update destination of the data is the rating data or the self-assessment data, whether the classification is updated, whether the specific information is updated, and whether the status is updated. The second update unit refers to the processing status data to confirm whether the status of the rating operation associated with the provided identification information matches the status of the self-assessment operation. When the statuses match, if the confirmation unit confirms that the data update destination is the self-assessment data and the classification is updated and the specific information is updated, the combination of the obtained debtor classification and the provided specific information is stored in the self-assessment data. If the confirmation unit confirms that the data update destination is the rating data and the classification is updated and the specific information is updated, the combination of the identified rating classification and the provided specific information may be stored in the rating data. The business support device according to the present invention may further include a third update unit that, when the confirmation unit confirms that the status is updated, generates the next status of the current status based on the provided stage and the provided instruction classification, and updates the status of the rating operation or the status of the self-assessment operation held in the processing status data with the generated status.

[0009] In addition, in the business support device according to the present invention, when the statuses do not match, the second update unit may not execute the storage process.

[0010] Also, in a business support method according to the present invention, in a business support apparatus including a first update unit, a confirmation unit, and a second update unit that can access rating data that holds rating categories for each customer and for each stage of the rating business, self-assessment data that holds a debtor category and specific information that can specify the rating category for each customer and for each stage of the self-assessment business, a rating category master that holds the debtor category for each rating category, and a mutual update master that holds, for each type of business and for each stage, whether the data update destination is the rating data or the self-assessment data and whether or not the category is to be updated, when the first update unit is provided with a combination of the identification information of the customer, the debtor category, and the specific information or the rating category, the type, and the stage, if the provided type means the rating business, the provided rating category is stored in the rating data associated with the provided stage and the provided identification information, and if the provided type means the self-assessment business, the combination of the provided debtor category and the specific information is stored in the self-assessment data associated with the provided stage and the provided identification information; a confirmation step in which the confirmation unit refers to the mutual update master based on the provided type and the provided stage and confirms the setting contents of the data update destination and whether or not the category is to be updated; and a second update step in which, when it is confirmed in the confirmation step that the data update destination is the self-assessment data and the category is to be updated, the second update unit refers to the rating category master based on the provided rating category to acquire the debtor category and stores the acquired debtor category in the self-assessment data associated with the provided stage and the provided identification information, and when it is confirmed in the confirmation step that the data update destination is the rating data and the category is to be updated, the second update unit specifies the rating category based on the provided specific information and stores the specified rating category in the rating data associated with the provided stage and the provided identification information.

[0011] In addition, the business support program according to the present invention includes grading data that holds grading categories for each customer and at each stage of the grading operation, self-assessment data that holds, for each customer and at each stage of the self-assessment operation, debtor categories and specific information capable of specifying the grading categories, a grading category master that holds the debtor categories for each grading category, and an inter-update master that holds, for each type of business and at each of the above stages, whether the data update destination is the grading data or the self-assessment data and whether there is an update to the category. When the identification information of the customer, a combination of the debtor category and the specific information, or the grading category, the type, and the stage are provided to a business support device capable of accessing these, if the provided type means the grading operation, the provided grading category is associated with the provided stage and the provided identification information and stored in the grading data. If the provided type means the self-assessment operation, a first update means for associating the provided combination of the debtor category and the specific information with the provided stage and the provided identification information and storing it in the self-assessment data, a confirmation means for referring to the inter-update master based on the provided type and the provided stage and confirming the setting content of the data update destination and the presence or absence of an update to the category, and when it is confirmed by the confirmation means that the data update destination is the self-assessment data and there is an update to the category, the debtor category is acquired by referring to the grading category master based on the provided grading category, and the acquired debtor category is associated with the provided stage and the provided identification information and stored in the self-assessment data. When it is confirmed by the confirmation means that the data update destination is the grading data and there is an update to the category, a second update means for specifying the grading category based on the provided specific information and associating the specified grading category with the provided stage and the provided identification information and storing it in the grading data. This is for causing it to function as such.

Effects of the Invention

[0012] The present invention has an effect that the linkage between the rating and the self-assessment can be flexibly performed, such as linking the evaluation result of the rating to the self-assessment or linking the evaluation result of the self-assessment to the rating.

Brief Description of the Drawings

[0013]

Figure 1

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Figure 14

Embodiments for Carrying Out the Invention

[0014] Hereinafter, embodiments of a business support apparatus, a business support method, and a business support program according to the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited by this embodiment.

[0015] [1. Overview] First, with reference to FIG. 1, an example of the overall overview of the business flow and the overall overview of the transition of the screen and status will be described.

[0016] Regarding the "1. Grading and Appraisal Business Flow" in FIG. 1, first, the target for grading or self-appraisal is extracted, and grading or self-appraisal is performed based on the grading category, accident information, delinquency information, financial status, creditor status, etc. In the primary grading business, the determination and approval of the primary grading category, the setting of the primary grading category determination and approval comment, and the update of the grading status (situation) are performed. In the primary appraisal business, the determination and approval of the primary appraisal category, the setting of the primary appraisal category determination and approval comment, and the update of the appraisal status (situation) are performed.

[0017] Furthermore, secondary grading or secondary appraisal is performed based on the grading category, accident information, delinquency information, financial status, creditor status, etc. In the secondary grading business, the determination and approval of the secondary grading category, the setting of the secondary grading category determination and approval comment, and the update of the grading status (situation) are performed. In the secondary appraisal business, the determination and approval of the secondary appraisal category, the setting of the secondary appraisal category determination and approval comment, and the update of the appraisal status (situation) are performed. After the grading or self-appraisal business is completed, a numerical aggregation and closing process are performed, resulting in the business flow.

[0018] In this embodiment, between the primary grading operation and the primary assessment operation, or between the secondary grading operation and the secondary assessment operation, the master can update according to the update direction of each company, such as linking the grading result to the self-assessment, or linking the self-assessment result to the grading, or not linking either. Furthermore, it is possible to set the items to be updated, such as updating only the result of the grading or self-assessment judgment, updating including the reason (comment) for the grading or self-assessment, and updating including the status of the approval workflow.

[0019] Currently, while many financial institutions are facing the problem of declining profitability, further efficiency improvement is required for credit risk management operations that do not directly contribute to revenue. With the present invention, various operations can be carried out according to the regulations and systems of each company, reducing the work of manually changing the automatically updated results and preventing human errors due to changes. Furthermore, when setting not to mutually update grading and self-assessment, by outputting a list for checking the divergence between grading and self-assessment, it becomes possible to enhance the financing judgment by verifying the validity of financing execution as a backtest.

[0020] An example of the screen / status transition according to this embodiment (update from grading to self-assessment) is as shown in "2. Screen / Status Transition" of FIG. 1, and the correspondence relationship between the operation screen, operation instruction buttons, and levels (primary or secondary business stages) is also as shown in the figure. Also, the status transition corresponds to the "status" indicating the current processing status in the processing status data 106d described later.

[0021] [2. Configuration] An example of the configuration of the business support device 100 according to this embodiment will be described with reference to FIG. 2 and the like. FIG. 2 is a block diagram showing an example of the configuration of the business support device 100.

[0022] The business support device 100 is constructed based on a commercially available desktop personal computer. Note that the business support device 100 is not limited to being constructed based on a stationary information processing device such as a desktop personal computer, and may also be constructed based on a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), smartphone, or tablet personal computer.

[0023] The business support device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each part of the business support device 100 is communicably connected via an arbitrary communication path.

[0024] The communication interface unit 104 communicably connects the business support 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 business support device 100 and the server 200 to each other, and is, for example, the Internet or a LAN (Local Area Network). Note that the data stored in the storage unit 106 may be stored in the server 200, for example.

[0025] 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 home television), 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. In the following, the output device 114 may be described as the monitor 114, and the input device 112 may be described as the keyboard 112 or the mouse 112.

[0026] The storage unit 106 stores various databases, tables, files, etc. The storage unit 106 records a computer program for giving instructions to the CPU (Central Processing Unit) in cooperation with the OS (Operating System) to perform various processes. As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, and an optical disk can be used.

[0027] The storage unit 106 stores customer data 106a, grading approval history data 106b (corresponding to the grading data of the present invention), self-assessment approval history data 106c (corresponding to the self-assessment data of the present invention), processing status data 106d, grading classification master 106e, debtor classification master 106f, and mutual update master 106g, etc. Further, the business support device 100 may have a function of maintaining (new registration, modification, or deletion) various masters stored in the storage unit 106.

[0028] FIG. 3 shows an example of the information stored in the customer data 106a. The customer data 106a is for managing customer information. As shown in FIG. 3, the customer data 106a stores customer identification information (such as customer number, customer name, etc.) assigned to the customer.

[0029] FIGS. 3, 5 to 14 show an example of the information stored in the grading approval history data 106b. The grading approval history data 106b is for managing grading. As shown in FIGS. 3, 5 to 14, the grading approval history data 106b stores customer identification information, business stage identification information of the grading business (such as grading level, etc.), grading classification determined by the financial institution, registration date, registrant, approval date, approver, and comment, etc.

[0030] Examples of information stored in the self-assessment approval history data 106c are shown in FIGS. 3 and 5 to 14. The self-assessment approval history data 106c is for managing self-assessment. As shown in FIGS. 3 and 5 to 14, the self-assessment approval history data 106c stores customer identification information, business stage identification information of the assessment service (e.g., assessment level, etc.), debtor classification determined based on the financial inspection manual of the Financial Services Agency, registration date, registrant, approval date, approver, and comments, etc.

[0031] Examples of information stored in the processing status data 106d are shown in FIGS. 3 and 5 to 14. The processing status data 106d is for managing the grading and self-assessment processing status. As shown in FIGS. 3 and 5 to 14, the processing status data 106d stores customer identification information, target processing for specifying grading or self-assessment processing, and processing status, etc.

[0032] Examples of information stored in the grading classification master 106e are shown in FIG. 3. The grading classification master 106e is for associating the debtor classification with the grading classification and managing the grading classification and debtor classification. As shown in FIG. 3, the grading classification master 106e stores the grading classification, grading classification name, and debtor classification, etc.

[0033] Examples of information stored in the debtor classification master 106f are shown in FIG. 3. The debtor classification master 106f is for managing the debtor classification. As shown in FIG. 3, the debtor classification master 106f stores the debtor classification and debtor classification name, etc.

[0034] Figures 3, 5 to 14 show an example of the information stored in the mutual update master 106g. The mutual update master 106g is used to set and manage the update destination and update content for each screen. As shown in Figures 3, 5 to 14, the mutual update master 106g stores setting screen identification information (such as a screen, etc.), operation identification information (such as a button for instructing an update, etc.), business stage identification information for grading or appraisal (such as a level, etc.), a cooperation destination (such as an update destination, etc.), whether there is a classification update for the debtor classification, whether there is an update for comments, and whether there is an update for the status, etc.

[0035] Regarding whether there is a status update for the mutual update master 106g, it is not only for determining whether there is a simple data update, but also for deciding whether to automate or manualize the workflow. The update target for whether there is a status update of the mutual update master 106g is set for whether there is an update of the "status" included in the records of "grading" or "self-appraisal", which are the processing targets of the processing status data 106d, different from whether there is a classification update for the debtor classification and whether there is an update for comments. Since this embodiment performs mutual update of data between the primary grading business and the primary appraisal business, or between the secondary grading business and the secondary appraisal business, the mutual update processing unit 102c described later does not perform the update processing unless the "status" of "grading" and "self-appraisal", which are the processing targets of the processing status data 106d, match. Therefore, if the setting of whether there is a status update of the mutual update master 106g is "no update", and when the update processing is performed, the subsequent workflow will not be automatically updated and needs to be manually updated.

[0036] Returning to Figure 2, the control unit 102 is a CPU or the like that comprehensively controls the business support 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.

[0037] Functionally, the control unit 102 includes a rating registration approval unit 102a (corresponding to the first update unit of the present invention), an appraisal registration approval unit 102b (corresponding to the first update unit of the present invention), and a mutual update processing unit 102c (including the confirmation unit, the second update unit, and the third update unit of the present invention). The specific content of the information processing executed by each unit will be described in detail in [3. Processing].

[0038] Here, since the specific content of the information processing executed by the rating registration approval unit 102a and the mutual update processing unit 102c will be described in detail in [3. Processing], the main content of the information processing executed by the appraisal registration approval unit 102b will be described below.

[0039] When a customer number is set and an execution button is pressed on an appraisal preparation processing screen (not shown), the appraisal registration approval unit 102b receives the set information, screen name, and button name from the appraisal preparation processing screen. The appraisal registration approval unit 102b identifies the self-appraisal approval process record associated with the received customer number from the self-appraisal approval process data 106c, and deletes (removes) the debtor classification, registration date, registrant, approval date, approver, and comment included in the self-appraisal approval process record. When the received screen name is the "appraisal preparation processing screen", the appraisal registration approval unit 102b updates the status value associated with the received customer number and the target process "self-appraisal" included in the process status data 106d to "before primary registration".

[0040] In the N-th assessment registration / approval screen (not shown, where N is 1 or 2), when the customer number, debtor classification, registration date, registrant, and comment are set and the registration button is pressed, or when the customer number, approval date, and approver are set and the approval button is pressed, the assessment registration approval section 102b receives the set information, screen name, button name, and level "N" from the N-th assessment registration / approval screen. When the received screen name is other than the "Assessment Preparation Process Screen", the assessment registration approval section 102b identifies the self-assessment approval process record associated with the assessment level corresponding to the received customer number and the received level "N" from the self-assessment approval process data 106c, and stores the received information in the self-assessment approval process record. When the received screen name is other than the "Assessment Preparation Process Screen", the assessment registration approval section 102b updates the status value associated with the received customer number and the target process "self-assessment" included in the process status data 106d to "Completed N-th XX" based on the received button name and the received level "N" (※XX is the button name).

[0041] [3. Process] Taking the case of re-registering the grading category in the state where the previous registration / approval process for the grading category (grading) and debtor classification (self-assessment) has been completed as an example, the data transition is described. In the following, the process when the result of grading is linked to self-assessment will be mainly explained, but the process when the result of self-assessment is linked to grading is the same.

[0042] [Pattern 1: Data transition when the update status during grading preparation processing in the mutual update master is set to "No update" (see Figures 4 - 9)] As shown in Figure 5, taking the case where the previous grading and secondary approval process of self-assessment have been completed, and further as shown in Figure 3, when the grading category master 106e, debtor classification master 106f, and mutual update master 106g are set as an example, the transition of various data is described below.

[0043] (1) Press the "Execute" button on the grading preparation process screen (see Figures 4 and 5) First, an operator (which may be a salesperson EE in charge of a store who performs the first-level rating registration) sets the customer number "A" on the rating preparation processing screen (not shown) and presses the execute button. Then, the rating registration approval unit 102a receives the set information, the screen name "rating preparation processing screen", and the button name "execute" from the rating preparation processing screen.

[0044] Next, when the received screen name is "rating preparation processing screen" (step S1: Yes), the rating approval history data 106b identifies the rating approval history record associated with the received customer number "A", and deletes (removes) the rating category, registration date, registrant, approval date, approver, and comment included in the rating approval history record (step S2). Then, when the received screen name is "rating preparation processing screen", the rating registration approval unit 102a updates the status value associated with the received customer number "A" and the target process "rating" in the processing status data 106d to "before first registration" (step S2).

[0045] Next, the mutual update processing unit 102c extracts the mutual update record associated with the received screen name "rating preparation processing screen" and the received button name "execute" from the mutual update master 106g. Then, when the received screen name is "rating preparation processing screen", the update destination included in the mutual update record is "appraisal", and the presence or absence of category update and the presence or absence of comment update included in the mutual update record are "no update" (step S3: No), the processing ends without performing the deletion (removal) process on the self-appraisal approval history data 106c and the update process on the processing status data 106d.

[0046] (2) Press the "Register" button on the first-level rating registration and approval screen (see Figures 4 and 6) First, when the sales store staff EE sets the customer number "A", the grading category "C1", the registration date "2022 / 12 / 8", the registrant "sales store staff EE", and the comment "Set to C1 for the reason of ~~." on the primary grading registration / approval screen (not shown) and presses the registration button, the grading registration approval unit 102a receives the set information, the screen name "grading registration / approval screen", the button name "registration", and the level "1" from the primary grading registration / approval screen.

[0047] Next, when the received screen name is not "grading preparation process screen" (step S1: No), the grading approval history data 106b identifies the grading approval history record associated with the received customer number "A" and the grading level "primary grading (sales store)" corresponding to the received level "1", and stores the received grading category "C1", the received registration date "2022 / 12 / 8", the received registrant "sales store staff EE", and the received comment "Set to C1 for the reason of ~~." in the grading approval history record (step S5).

[0048] Next, the mutual update processing unit 102c checks whether the status values of the target process "grading" and the target process "self-assessment" associated with the received customer number "A" match in the processing status data 106d. If the status values do not match (step S6: No), the mutual update processing unit 102c does not execute the update process for the self-assessment approval history data 106c and the update process for the processing status data 106d (target process "self-assessment") and proceeds to step S9.

[0049] Next, when the received screen name is not "grading preparation process screen" (step S1: No), the grading registration approval unit 102a updates the status value associated with the received customer number "A" and the target process "grading" included in the processing status data 106d to "primary registration completed" based on the received button name "registration" and the received level "1" (step S9).

[0050] (3) Press the "Approval" button on the primary grading registration / approval screen (see Figures 4 and 7). First, when the branch manager FF sets the customer number "A", approval date "2022 / 12 / 10", and approver "branch manager FF" on the primary grading registration / approval screen (not shown) and presses the approval button, the grading registration approval unit 102a receives the set information, screen name "grading registration / approval screen", button name "approval", and level "1" from the primary grading registration / approval screen.

[0051] Next, when the received screen name is not "grading preparation process screen" (step S1: No), the grading approval history data 106b identifies the grading approval history record associated with the received customer number "A" and the grading level "primary grading (store)" corresponding to the received level "1", and stores the received approval date "2022 / 12 / 10" and received approver "branch manager FF" in the grading approval history record (step S5).

[0052] Next, the mutual update processing unit 102c checks whether the status values of the target process "grading" and the target process "self-assessment" associated with the received customer number "A" match in the processing status data 106d. If the status values do not match (step S6: No), the mutual update processing unit 102c does not execute the update process for the self-assessment approval history data 106c and the update process for the processing status data 106d (target process "self-assessment") and proceeds to step S9.

[0053] Next, when the received screen name is not "grading preparation process screen" (step S1: No), the grading registration approval unit 102a updates the status value associated with the received customer number "A" and the target process "grading" included in the processing status data 106d to "primary approval completed" based on the received button name "approval" and received level "1" (step S9).

[0054] (4) Press the "Register" button on the secondary grading registration / approval screen (see Figures 4 and 8). First, when the person in charge GG at the head office sets the customer number "A", the grading classification "C1", the registration date "2022 / 12 / 12", the registrant "the person in charge GG at the head office", and the comment "Follow the branch judgment of C1 for the reason of ~~." on the secondary grading registration / approval screen (not shown) and presses the registration button, the grading registration approval unit 102a receives the set information, the screen name "grading registration / approval screen", the button name "registration", and the level "2" from the secondary grading registration / approval screen.

[0055] Next, when the screen name received by the grading registration approval unit 102a is not "grading preparation process screen" (step S1: No), the grading approval history data 106b is used to identify the grading approval history record associated with the grading level "secondary grading (head office)" corresponding to the received customer number "A" and the received level "2", and the received grading classification "C1", the received registration date "2022 / 12 / 12", the received registrant "the person in charge GG at the head office", and the received comment "Follow the branch judgment of C1 for the reason of ~~." are stored in the grading approval history record (step S5).

[0056] Next, the mutual update processing unit 102c checks whether the status value of the target process "grading" associated with the received customer number "A" and the status value of the target process "self-assessment" match in the processing status data 106d. And when the status values do not match (step S6: No), the mutual update processing unit 102c does not execute the update process for the self-assessment approval history data 106c and the update process for the processing status data 106d (target process "self-assessment") and proceeds to step S9.

[0057] Next, when the screen name received by the grading registration approval unit 102a is not "grading preparation process screen" (step S1: No), the status value included in the processing status data 106d and associated with the received customer number "A" and the target process "grading" is updated to "secondary registration completed" based on the received button name "registration" and the received level "2" (step S9).

[0058] (5) Press the "Approval" button on the secondary grading registration / approval screen (see Figures 4 and 9). First, when the head office approver HH sets the customer number "A", approval date "2022 / 12 / 15", and approver "Head Office Approver HH" on the secondary grading registration / approval screen (not shown) and presses the approval button, the grading registration approval unit 102a receives the set information, screen name "Grading Registration / Approval Screen", button name "Approval", and level "2" from the secondary grading registration / approval screen.

[0059] Next, when the received screen name is not "Grading Preparation Processing Screen" (step S1: No), the grading approval history data 106b identifies the grading approval history record associated with the received customer number "A" and the grading level "Secondary Grading (Head Office)" corresponding to the received level "2", and stores the received approval date "2022 / 12 / 15" and received approver "Head Office Approver HH" in the grading approval history record (step S5).

[0060] Next, the mutual update processing unit 102c checks whether the status values of the target process "Grading" and the status value of the target process "Self-Assessment" associated with the received customer number "A" match in the processing status data 106d. If the status values do not match (step S6: No), the mutual update processing unit 102c does not execute the update process for the self-assessment approval history data 106c and the update process for the processing status data 106d (target process "Self-Assessment"), and proceeds to step S9.

[0061] Next, when the received screen name is not "Grading Preparation Processing Screen" (step S1: No), the grading registration approval unit 102a updates the status value associated with the received customer number "A" and the target process "Grading" included in the processing status data 106d to "Secondary Approval Completed" based on the received button name "Approval" and received level "2" (step S9).

[0062] [Pattern 2: Data Transition When the Update Indicator during Rating Preparation Processing in the Mutual Update Master is Set to "Update Required" (see Figures 4, 10 to 14)] As shown in Figure 10, taking as an example the case where the mutual update master 106g as shown in Figure 10 is set in a state where the previous rating and the second approval process of self-assessment have been completed, the transition of various data is described below. Note that other masters (such as the rating classification master 106e) are the same as in Figure 3.

[0063] (1) Press the "Execute" button on the rating preparation processing screen (see Figures 4 and 10) First, an operator (it may also be a store staff EE who performs primary rating registration) sets the customer number "A" on the rating preparation processing screen (not shown) and presses the execute button. Then, the rating registration approval unit 102a receives the set information, the screen name "rating preparation processing screen", and the button name "execute" from the rating preparation processing screen.

[0064] Next, when the received screen name is "rating preparation processing screen" (step S1: Yes), the rating approval history data 106b identifies the rating approval history record associated with the received customer number "A", and deletes (removes) the rating classification, registration date, registrant, approval date, approver, and comment included in the rating approval history record (step S2). Then, when the received screen name is "rating preparation processing screen", the rating registration approval unit 102a updates the status value associated with the received customer number "A" and the target process "rating" in the processing status data 106d to "before primary registration" (step S2).

[0065] Next, the mutual update processing unit 102c extracts the mutual update record associated with the received screen name "rating preparation processing screen" and the received button name "execute" from the mutual update master 106g. Then, when the received screen name is the "Rating Preparation Process Screen", the update destination included in the mutual update record is "Appraisal", and the presence or absence of classification update or comment update included in the mutual update record is "Update Yes" (step S3: Yes), the mutual update processing unit 102c identifies the self-appraisal approval history record associated with the received customer number "A" from the self-appraisal approval history data 106c, and deletes (removes) the debtor classification, registration date, registrant, approval date, approver, and comment included in the self-appraisal approval history record (step S4). Then, when the received screen name is the "Rating Preparation Process Screen" and the presence or absence of status update included in the mutual update record is "Update Yes", the mutual update processing unit 102c updates the status value associated with the received customer number "A" and the target process "Self-Appraisal" corresponding to the update destination "Appraisal" included in the mutual update record in the processing status data 106d to "Before Primary Registration" (step S4).

[0066] (2) Press the "Register" button on the primary rating registration and approval screen (see FIGS. 4 and 11). First, the sales store staff EE sets the customer number "A", rating classification "C1", registration date "2022 / 12 / 8", registrant "sales store staff EE", and comment "Set to C1 for the reason of ~~." on the primary rating registration and approval screen (not shown), and presses the register button. Then, the rating registration approval unit 102a receives the set information, screen name "Rating Registration and Approval Screen", button name "Register", and level "1" from the primary rating registration and approval screen.

[0067] Next, when the received screen name is other than the "Rating Preparation Process Screen" (step S1: No), the rating approval history unit 102a identifies the rating approval history record associated with the received customer number "A" and the rating level "Primary Rating (Sales Store)" corresponding to the received level "1" from the rating approval history data 106b, and stores the received rating classification "C1", received registration date "2022 / 12 / 8", received registrant "sales store staff EE", and received comment "Set to C1 for the reason of ~~." in the rating approval history record (step S5).

[0068] Next, the mutual update processing unit 102c checks whether the status value of the target process "rating" associated with the received customer number "A" matches the status value of the target process "self-assessment" in the processing status data 106d. Then, when the status values match (step S6: Yes), the mutual update processing unit 102c extracts the mutual update record associated with the received screen name "rating registration / approval screen", the received button name "register", and the received level "1" from the mutual update master 106g. And when the received screen name is other than the "rating preparation processing screen", the update destination included in the mutual update record is "assessment", and the presence or absence of classified update included in the mutual update record is "update available" (step S7: Yes), the mutual update processing unit 102c acquires the debtor classification "2" associated with the received rating classification "C1" from the rating classification master 106e, acquires the debtor classification name "other customers requiring attention" associated with the acquired debtor classification "2" from the debtor classification master 106f, specifies the self-assessment approval history record associated with the received customer number "A" and the assessment level "primary assessment (store)" corresponding to the received level "1" from the self-assessment approval history data 106c, and since the presence or absence of comment update included in the mutual update record is "update available", stores the acquired debtor classification "2", the acquired debtor classification name "other customers requiring attention", the received registration date "2022 / 12 / 8", the received registrant "store staff EE", and the received comment "~~ is set to C1 for the reason." in the self-assessment approval history record (step S8). And when the received screen name is other than the "rating preparation processing screen" and the presence or absence of status update included in the mutual update record is "update available" (step S7: Yes), the mutual update processing unit 102c updates the status value associated with the received customer number "A" and the target process "self-assessment" corresponding to the update destination "assessment" included in the mutual update record to "primary registration completed" based on the received button name "register" and the received level "1" (step S8).

[0069] Next, if the received screen name is other than the "Rating Preparation Processing Screen" (step S1: No), the rating registration approval unit 102a updates the status value associated with the received customer number "A" and the target process "rating" included in the process status data 106d to "primary registration completed" based on the received button name "registration" and the received level "1" (step S9).

[0070] (3) Press the "Approval" button on the primary rating registration and approval screen (see FIGS. 4 and 12). First, when the branch manager FF sets the customer number "A", the approval date "2022 / 12 / 10", and the approver "branch manager FF" on the primary rating registration and approval screen (not shown) and presses the approval button, the rating registration approval unit 102a receives the set information, the screen name "rating registration and approval screen", the button name "approval", and the level "1" from the primary rating registration and approval screen.

[0071] Next, if the received screen name is other than the "Rating Preparation Processing Screen" (step S1: No), the rating registration approval unit 102a identifies the rating approval history record associated with the received customer number "A" and the rating level "primary rating (store)" corresponding to the received level "1" from the rating approval history data 106b, and stores the received approval date "2022 / 12 / 10" and the received approver "branch manager FF" in the rating approval history record (step S5).

[0072] Next, the mutual update processing unit 102c checks whether the status value of the target process "rating" associated with the received customer number "A" matches the status value of the target process "self-assessment" in the process status data 106d. Then, if the status values match (step S6: Yes), the mutual update processing unit 102c extracts the mutual update record associated with the received screen name "rating registration and approval screen", the received button name "approval", and the received level "1" from the mutual update master 106g. Then, when the received screen name is other than the "Rating Preparation Process Screen", the update destination included in the mutual update record is "Appraisal", and the presence or absence of classification update or the presence or absence of comment update included in the mutual update record is "Update Yes" (step S7: Yes), the mutual update processing unit 102c identifies the self-appraisal approval history record associated with the received customer number "A" and the appraisal level "Primary Appraisal (Store)" corresponding to the received level "1" from the self-appraisal approval history data 106c, and stores the received approval date "2022 / 12 / 10" and the received approver "Branch Manager FF" in the self-appraisal approval history record (step S8). Then, when the received screen name is other than the "Rating Preparation Process Screen" and the presence or absence of status update included in the mutual update record is "Update Yes" (step S7: Yes), the mutual update processing unit 102c updates the status value associated with the received customer number "A" and the target process "Self-Appraisal" corresponding to the update destination "Appraisal" included in the mutual update record in the processing status data 106d to "Primary Approval Completed" based on the received button name "Approval" and the received level "1" (step S8).

[0073] Next, when the received screen name is other than the "Rating Preparation Process Screen" (step S1: No), the rating registration approval unit 102a updates the status value associated with the received customer number "A" and the target process "Rating" in the processing status data 106d to "Primary Approval Completed" based on the received button name "Approval" and the received level "1" (step S9).

[0074] (4) Press the "Register" button on the secondary rating registration and approval screen (Figs. 4 and 13) First, when the head office staff GG sets the customer number "A", rating classification "C1", registration date "2022 / 12 / 12", registrant "Head Office Staff GG", and comment "Follow the branch judgment to set C1 for the reason of ~~." on the secondary rating registration and approval screen (not shown) and presses the register button, the rating registration approval unit 102a receives the set information, screen name "Rating Registration and Approval Screen", button name "Register", and level "2" from the secondary rating registration and approval screen.

[0075] Next, when the received screen name is other than the "Rating Preparation Process Screen" (Step S1: No), the Rating Registration Approval Unit 102a identifies the rating approval history record associated with the received customer number "A" and the received level "2" corresponding to the rating level "Secondary Rating (Head Office)" from the rating approval history data 106b, and stores the received rating category "C1", the received registration date "2022 / 12 / 12", the received registrant "Head Office Person in Charge GG", and the received comment "Follow the branch judgment of C1 for the reason of ~~" in the rating approval history record (Step S5).

[0076] Next, the Mutual Update Processing Unit 102c checks whether the status values of the target process "Rating" and the status value of the target process "Self-Assessment" associated with the received customer number "A" match in the processing status data 106d. Then, when the status values match (Step S6: Yes), the Mutual Update Processing Unit 102c extracts the mutual update record associated with the received screen name "Rating Registration / Approval Screen", the received button name "Register", and the received level "2" from the mutual update master 106g. Then, when the received screen name is other than the "Rating Preparation Process Screen", the update destination included in the mutual update record is "Appraisal", and the presence or absence of classified update included in the mutual update record is "Update Yes" (Step S7: Yes), the mutual update processing unit 102c obtains the debtor classification "2" associated with the received rating classification "C1" from the rating classification master 106e, obtains the debtor classification name "Other Attention Required Party" associated with the obtained debtor classification "2" from the debtor classification master 106f, specifies the self-appraisal approval history record associated with the received customer number "A" and the appraisal level "Secondary Appraisal (Head Office)" corresponding to the received level "2" from the self-appraisal approval history data 106c. Since the presence or absence of comment update included in the mutual update record is "No Update", the obtained debtor classification "2", the obtained debtor classification name "Other Attention Required Party", the received registration date "2022 / 12 / 12", and the received registrant "Head Office Responsible Person GG" are stored in the self-appraisal approval history record (Step S8) (the received comment "Follow the branch judgment of C1 for the reason of ~~." is not stored). Then, when the received screen name is other than the "Rating Preparation Process Screen" and the presence or absence of status update included in the mutual update record is "Update Yes" (Step S7: Yes), the mutual update processing unit 102c updates the status value associated with the received customer number "A" included in the processing status data 106d and the target process "Self-Appraisal" corresponding to the update destination "Appraisal" included in the mutual update record to "Secondary Registration Completed" based on the received button name "Register" and the received level "2" (Step S8).

[0077] Next, when the received screen name is other than the "Rating Preparation Process Screen" (Step S1: No), the rating registration approval unit 102a updates the status value associated with the received customer number "A" included in the processing status data 106d and the target process "Rating" to "Secondary Registration Completed" based on the received button name "Register" and the received level "2" (Step S9).

[0078] (5) Press the "Approval" button on the secondary rating registration and approval screen (Figs. 4 and 14) First, when the head office approver HH sets the customer number "A", approval date "2022 / 12 / 15", and approver "head office approver HH" on the secondary rating registration / approval screen (not shown) and presses the approval button, the rating registration approval unit 102a receives the set information, screen name "rating registration / approval screen", button name "approval", and level "2" from the secondary rating registration / approval screen.

[0079] Next, when the screen name received by the rating registration approval unit 102a is not "rating preparation process screen" (step S1: No), the rating approval history data 106b is used to identify the rating approval history record associated with the rating level "secondary rating (head office)" corresponding to the received customer number "A" and received level "2", and the received approval date "2022 / 12 / 15" and received approver "head office approver HH" are stored in the rating approval history record (step S5).

[0080] Next, the mutual update processing unit 102c checks whether the status value of the target process "rating" associated with the received customer number "A" matches the status value of the target process "self-assessment" in the processing status data 106d. Then, when the status values match (step S6: Yes), the mutual update processing unit 102c extracts the mutual update record associated with the received screen name "rating registration / approval screen", received button name "approval", and received level "2" from the mutual update master 106g. And when the received screen name is not "rating preparation process screen", the update destination included in the mutual update record is "assessment", and the presence or absence of classification update or comment update included in the mutual update record is "update available" (step S7: Yes), the self-assessment approval history data 106c is used to identify the self-assessment approval history record associated with the self-assessment level "secondary self-assessment (head office)" corresponding to the received customer number "A" and received level "2", and the received approval date "2022 / 12 / 15" and received approver "head office approver HH" are stored in the self-assessment approval history record (step S8). Then, when the received screen name is other than the "Rating Preparation Processing Screen" and the status update availability included in the mutual update record is "Update Yes" (Step S7: Yes), the mutual update processing unit 102c updates the status value associated with the received customer number "A" included in the processing status data 106d and the target processing "Self-Rating" corresponding to the update destination "Rating" included in the mutual update record to "Second Approval Completed" based on the received button name "Approval" and the received level "2" (Step S8).

[0081] Next, when the received screen name is other than the "Rating Preparation Processing Screen" (Step S1: No), the rating registration approval unit 102a updates the status value associated with the received customer number "A" included in the processing status data 106d and the target processing "Rating" to "Second Approval Completed" based on the received button name "Approval" and the received level "2" (Step S9).

[0082] [4. Contribution to the United Nations' Sustainable Development Goals (SDGs)] According to this embodiment, it is possible to contribute to promoting business efficiency and appropriate management decisions of enterprises, so it is possible to contribute to Goals 8 and 9 of the SDGs.

[0083] Also, according to this embodiment, it is possible to contribute to reducing waste loss and promoting paperless and digitization, so it is possible to contribute to Goals 12, 13, and 15 of the SDGs.

[0084] Also, according to this embodiment, it is possible to contribute to strengthening control and governance, so it is possible to contribute to Goal 16 of the SDGs.

[0085] [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.

[0086] For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed can also be manually performed, or all or part of the processes described as being manually performed can also be automatically performed by a known method.

[0087] 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.

[0088] Regarding the business support device 100, each of the illustrated components is a functional concept, and it is not necessarily physically configured as illustrated.

[0089] For example, regarding the processing functions provided by the business support device 100, especially each processing function performed by the control unit, 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 processes described in this embodiment, and is mechanically read by the business support device 100 as necessary. That is, in a storage unit such as a ROM or an HDD (Hard Disk Drive), a computer program for giving instructions to the CPU in cooperation with the OS to perform various processes is recorded. This computer program is executed by being loaded into the RAM, and constitutes the control unit in cooperation with the CPU.

[0090] In addition, this computer program may be stored in an application program server connected to the business support device 100 via an arbitrary network, and all or part of it can be downloaded as necessary.

[0091] Further, a program for executing the processing 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.

[0092] 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 singly, and also 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 the embodiment, well-known configurations and procedures can be used.

[0093] The various databases and the like stored in the storage unit 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.

[0094] Further, the business support 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 business support device 100 may be realized by installing software (including programs or data, etc.) for realizing the processing described in this embodiment in the device.

[0095] Furthermore, the specific form of the distribution and integration of the devices is not limited to that shown in the drawings, and all or a 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

[0096] The present invention is useful in various industries such as financial institutions.

Explanation of Signs

[0097] 100 Business support device 102 Control unit 102a Rating registration approval unit 102b Appraisal registration approval unit 102c Mutual update processing unit 104 Communication interface unit 106 Storage unit 106a Customer data 106b Rating approval history data 106c Self-appraisal approval history data 106d Processing status data 106e Rating classification master 106f Debtor classification master 106g Mutual update master 108 Input / output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims

1. Rating data that holds rating categories for each customer and by stage of the rating operation, Self-assessment data that holds debtor categories and specific information that can identify the rating category for each customer and by stage of the self-assessment operation, A rating category master that holds the debtor categories for each rating category, A mutual update master that holds, for each business type and by stage, whether the data update destination is the rating data or the self-assessment data and whether there is an update to the category, is accessible, when the identification information of the customer, the combination of the debtor category and the specific information, or the rating category, the type, and the stage are provided, if the provided type means the rating operation, the provided rating category is associated with the provided stage and the provided identification information and stored in the rating data, and if the provided type means the self-assessment operation, the combination of the provided debtor category and the specific information is associated with the provided stage and the provided identification information and stored in the self-assessment data, a first update unit; a confirmation unit that refers to the mutual update master based on the provided type and the provided stage and confirms the data update destination and the setting content of whether there is an update to the category; when the confirmation unit confirms that the data update destination is the self-assessment data and there is an update to the category, the debtor category is obtained by referring to the rating category master based on the provided rating category, and the obtained debtor category is associated with the provided stage and the provided identification information and stored in the self-assessment data, and when the confirmation unit confirms that the data update destination is the rating data and there is an update to the category, the rating category is specified based on the provided specific information, and the specified rating category is associated with the provided stage and the provided identification information and stored in the rating data, a second update unit; comprising a business support device characterized by the above.

2. The mutual update master further holds, for each type and by stage, whether there is an update to the specific information. When the first update unit is provided with the identification information, the combination of the debtor classification and the specific information or the combination of the rating classification and the specific information, the type, and the stage, if the provided type means the rating service, it stores the combination of the provided rating classification and the specific information in the rating data. When the confirmation unit confirms that the data update destination is the self-assessment data and there is an update of the classification and an update of the specific information, the second update unit stores the combination of the obtained debtor classification and the provided specific information in the self-assessment data. When the confirmation unit confirms that the data update destination is the rating data and there is an update of the classification and an update of the specific information, the second update unit stores the combination of the identified rating classification and the provided specific information in the rating data. The business support device according to claim 1, characterized in that.

3. It is further accessible to the processing status data that holds, for each customer, the current status of the rating service defined based on the stage of the rating service and the instruction classification of registration or approval, and the current status of the self-assessment service defined based on the stage of the self-assessment service and the instruction classification. The mutual update master holds, for each type, stage, and instruction classification, whether the data update destination is the rating data or the self-assessment data, whether there is an update of the classification, whether there is an update of the specific information, and whether there is an update of the status. The second update unit refers to the processing status data to confirm whether the status of the rating service and the status of the self-assessment service associated with the provided identification information match. When the statuses match, if the confirmation unit confirms that the data update destination is the self-assessment data and there is an update of the classification and an update of the specific information, the second update unit stores the combination of the obtained debtor classification and the provided specific information in the self-assessment data. If the confirmation unit confirms that the data update destination is the rating data and there is an update of the classification and an update of the specific information, the second update unit stores the combination of the identified rating classification and the provided specific information in the rating data. When it is confirmed by the confirmation unit that the status is to be updated, based on the provided stage and the provided instruction classification, the next status of the current status is generated, and a third update unit is further provided to update the status of the rating operation or the status of the self-assessment operation held in the processing status data with the generated status. The business support device according to claim 2, characterized in that.

4. When the statuses do not match, the second update unit does not execute the storage process. The business support device according to claim 3, characterized in that.

5. Rating data that holds rating classifications for each customer and for each stage of the rating operation, self-assessment data that holds, for each customer and for each stage of the self-assessment operation, the debtor classification and specific information that can identify the rating classification, a rating classification master that holds the debtor classification for each rating classification, and a mutual update master that holds, for each type of business and for each stage, whether the data update destination is the rating data or the self-assessment data and whether there is an update to the classification. A business support method executed in a business support device including a first update unit, a confirmation unit, and a second update unit that can access the data, When the first update unit is provided with a combination of the customer identification information, the debtor classification, and the specific information or the rating classification, the type, and the stage, if the provided type means the rating operation, the provided rating classification is associated with the provided stage and the provided identification information and stored in the rating data, and if the provided type means the self-assessment operation, the combination of the provided debtor classification and the specific information is associated with the provided stage and the provided identification information and stored in the self-assessment data. A first update step. A confirmation step in which the confirmation unit refers to the mutual update master based on the provided type and the provided stage and confirms the setting contents of the data update destination and the update of the classification. When the second update unit confirms in the confirmation step that the data update destination is the self-assessment data and the update of the classification is confirmed, the debtor classification is obtained by referring to the classification master based on the provided classification, and the obtained debtor classification is associated with the provided stage and the provided identification information and stored in the self-assessment data. When the second update unit confirms in the confirmation step that the data update destination is the classified data and the update of the classification is confirmed, the classification is specified based on the provided specific information, and the specified classification is associated with the provided stage and the provided identification information and stored in the classified data. A second update step; including A business support method characterized by

6. Classification data that holds classification by customer and by stage of the classification business, self-assessment data that holds, by customer and by stage of the self-assessment business, debtor classification and specific information that enables specification of the classification, a classification master that holds debtor classification by classification, and a mutual update master that holds, by type of business and by stage, whether the data update destination is the classification data or the self-assessment data and whether the classification is to be updated. A business support apparatus that can access these. First update means that, when the identification information of the customer, the combination of the debtor classification and the specific information, or the classification, the type, and the stage are provided, if the provided type means the classification business, stores the provided classification in the classification data associated with the provided stage and the provided identification information, and if the provided type means the self-assessment business, stores the combination of the provided debtor classification and the specific information in the self-assessment data associated with the provided stage and the provided identification information. Confirmation means that, based on the provided type and the provided stage, refers to the mutual update master to confirm the setting contents of the data update destination and the presence or absence of classification update. When it is confirmed by the confirmation means that the data update destination is the self-assessment data and the update of the classification is available, the debtor classification is obtained by referring to the classification master based on the provided classification, and the obtained debtor classification is stored in the self-assessment data in association with the provided stage and the provided identification information. When it is confirmed by the confirmation means that the data update destination is the grading data and the update of the classification is available, the classification is specified based on the provided specific information, and the specified classification is stored in the grading data in association with the provided stage and the provided identification information (second update means). A business support program for causing [the system] to function as such.

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