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

Abstract

To charge a debtor by calculating a daily interest even when plural times of borrowing and refunding are performed in one day.SOLUTION: A carried-over uncollected interest calculation unit, when a prescribed amount is newly loaned to a debtor, calculates a first carried-over uncollected interest obtained by performing addition processing on an amount obtained by performing division processing on a value obtained by performing multiplication processing on an original loan balance by a prescribed loan interest rate and performing multiplication processing on the obtained value by the number of loan days by the number of days in one year and an amount obtained by performing multiplication processing on the newly loaned amount by the prescribed loan interest rate, performing multiplication processing on the obtained value by the number of loan days with the day in which the new loan is performed counted as one day and performing division processing on the obtained value by the number of days in one year. A data generation unit generates credit transaction data including the first loan balance obtained by performing addition processing on the prescribed amount that is newly loaned and the original loan balance and the calculated first carried-over uncollected interest. Consequently, even when plural times of borrowing and refunding are performed in one day, the debtor can be charged by calculating a daily interest.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] Patent Document 1 (JP 2022-123439 A) discloses an information processing method that facilitates interest management. This information processing method accepts a loan application from a user and executes a process of adding the loan amount to the loan balance of the user's previous loan at the time of making the loan corresponding to the application, and setting the amount as the principal amount of the loan corresponding to the application. It also executes a process of setting the interest rate on the loan balance of the previous loan from the time the loan corresponding to the application is made to zero. This makes it possible to facilitate interest management.

[0003] Nowadays, there are known comprehensive loan products that set an upper limit of, for example, 3 million yen and allow multiple borrowings and repayments within this limit. In recent years, with the spread of mobile terminal devices such as mobile phones, tablet terminal devices, and notebook personal computers, such comprehensive loan products for individuals are becoming more widely used. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Publication No. 2022-123439 Summary of the Invention [Problem to be solved by the invention]

[0005] However, because interest was previously calculated daily or monthly, it was difficult to calculate the daily interest when multiple borrowings and repayments were made in one day, as in the case of the comprehensive loan products mentioned above. As a result, when multiple borrowings and repayments were made on the same day, it was difficult to correctly charge the debtor the daily interest, and in many cases, interest was not charged when borrowings and repayments were made on the same day.

[0006] The present invention has been made in consideration of the above-mentioned problems, and aims to provide a debt management device, a debt management method, and a debt management program that are capable of calculating and charging a debtor a daily interest even if multiple borrowings and repayments are made in one day. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems and achieve the object, the receivables management device of the present invention has a carried-forward accrued interest calculation unit that, when a new loan of a specified amount is made to a debtor, calculates a first carried-forward accrued interest by multiplying the original loan balance by a specified loan interest rate, multiplying the result by the number of loan days, and dividing the result by the number of days in a year, and adding this to an amount obtained by multiplying the newly loaned amount by a specified loan interest rate, multiplying the result by the number of loan days, counting the day of the new loan as one day, and dividing the result by the number of days in a year; and a data generation unit that generates receivables transaction data including the first loan balance obtained by adding the specified newly loaned amount to the original loan balance and the calculated first carried-forward accrued interest.

[0008] In addition, in order to solve the above-mentioned problems and achieve the object, the receivable rights method of the present invention has a carried-forward accrued interest calculation step in which, when a new loan of a predetermined amount is made to a debtor, a carried-forward accrued interest calculation unit calculates a first carried-forward accrued interest by multiplying the original loan balance by a predetermined loan interest rate, multiplying the result by the number of loan days, and dividing the result by the number of days in a year, and adding this to an amount obtained by multiplying the newly loaned amount by the predetermined loan interest rate, multiplying the result by the number of loan days, counting the day of the new loan as one day, and dividing the result by the number of days in a year; and a data generation step in which a data generation unit generates receivable transaction data including the first loan balance calculated by adding the specified newly loaned amount to the original loan balance and the calculated first carried-forward accrued interest.

[0009] In addition, in order to solve the above-mentioned problems and achieve the object, the receivables management program of the present invention causes a computer to function as: a carried-forward accrued interest calculation unit that calculates a first carried-forward accrued interest when a new loan of a specified amount is made to a debtor, by multiplying the original loan balance by a specified loan interest rate, multiplying the result by the number of loan days, and dividing the result by the number of days in a year; and an amount that is obtained by multiplying the newly loaned amount by a specified loan interest rate, multiplying the result by the number of loan days, counting the day of the new loan as one day, and dividing the result by the number of days in a year; and a data generation unit that generates receivables transaction data including the first loan balance obtained by adding the specified newly loaned amount to the original loan balance and the calculated first carried-forward accrued interest. [Effects of the Invention]

[0010] The present invention can calculate and charge interest for one day to the debtor even if multiple borrowings and repayments are made in one day. [Brief explanation of the drawings]

[0011] [Figure 1] FIG. 1 is a block diagram showing the hardware configuration of a claim management device according to an embodiment. [Figure 2]FIG. 2 is a diagram showing the bond transaction data for the original borrowing of the debtor in the reference example, and the bond transaction data updated when a new borrowing is made. [Figure 3] FIG. 3 is a schematic diagram showing a state in which a new loan is taken out by a debtor in the reference example. [Figure 4] FIG. 4 is a schematic diagram showing how a debtor in the reference example repaid a portion of the amount on the same day. [Figure 5] FIG. 5 is a diagram showing the bond transaction data updated by the debtor repaying a portion of the amount on the same day in the reference example. [Figure 6] FIG. 6 is a schematic diagram showing how a new loan is taken out by a debtor in the reference example on the same day. [Figure 7] FIG. 7 is a diagram showing the bond transaction data updated as a result of a new borrowing by a debtor on the same day in the reference example. [Figure 8] FIG. 8 is a schematic diagram showing a situation in which a debtor repays a portion of the amount on the same day in the reference example. [Figure 9] FIG. 9 is a diagram showing the bond transaction data updated as a result of the debtor repaying a portion of the amount on the same day in the reference example. [Figure 10] FIG. 10 is a diagram showing the bond transaction data for the original loan of the debtor in the bond management device according to the embodiment, and the bond transaction data updated as a result of the new loan being taken out. [Figure 11] FIG. 11 is a schematic diagram showing a state in which a new loan is taken out by a debtor. [Figure 12] FIG. 12 is a schematic diagram showing a state in which a debtor has repaid a portion of the amount. [Figure 13] FIG. 13 is a diagram showing the bond transaction data updated as a result of the debtor making partial repayment of the amount. [Figure 14] FIG. 14 is a schematic diagram showing a situation in which a new borrowing is made by a debtor on the same day. [Figure 15]FIG. 15 shows the bond transaction data updated when a debtor borrows a new amount on the same day. [Figure 16] FIG. 16 is a schematic diagram showing a situation in which a debtor repays a portion of the amount on the same day. [Figure 17] FIG. 17 shows the bond transaction data updated by the debtor repaying a portion of the amount on the same day. DETAILED DESCRIPTION OF THE INVENTION

[0012] A claim management device according to an embodiment of the present invention will be described in detail below with reference to the drawings, although the present invention is not limited to such an embodiment.

[0013] (Hardware configuration) Figure 1 is a block diagram showing the hardware configuration of a claim management device 1 according to an embodiment. The claim management device 1 shown in Figure 1 comprises a memory unit 2, a control unit 3, a communication interface unit 4, and an input / output interface unit 5. An input device 6 and an output device 7 are connected to the input / output interface unit 5. The output device 7 may be a display unit such as a monitor device (including a home television). The input device 6 may be a keyboard device, a mouse device, a microphone device, or a monitor device that cooperates with a mouse device to provide a pointing device function.

[0014] The communication interface unit 4 is connected to a wireless base station 45 of the debtor's mobile terminal device 40 and a deposit management device 50 of a bank or the like that manages the debtor's deposit account via a network 30, which may be a wide area network such as the Internet or a private network such as a local area network (LAN). The debtor's mobile terminal device 40 may be a mobile phone, a tablet terminal device, a laptop personal computer device, or the like. Note that a personal computer device may be used instead of the debtor's mobile terminal device 40.

[0015] The memory unit 2 may be, for example, a read-only memory (ROM), a random access memory (RAM), a hard disk drive (HDD), or a solid state drive (SSD). The memory unit 2 stores a credit management program for managing borrowings and repayments by debtors. The credit management program enables the debt management device 1 of the embodiment to calculate and bill interest on borrowings and repayments made by debtors on the same day. The memory unit 2 also stores credit contract data, including each debtor's credit number and loan interest rate. The memory unit 2 also stores credit transaction data, including each debtor's credit number, transaction date, interest settlement date, applied principal, applied interest, loan balance, and carried-over accrued interest. The interest settlement date is stored in the "credit transaction data," and data can be uniquely extracted using the credit number as a key.

[0016] (Functional configuration of the credit management device) Next, the control unit 3 executes the debt management program stored in the memory unit 2, and thereby functions as a communication control unit 21, a loan repayment processing unit 22, a carried-over accrued interest calculation unit 23, a data generation unit 24, an applied interest calculation unit 25, and a display control unit 26, as shown in FIG. 1.

[0017] The communication control unit 21 communicates with the mobile terminal device 40 of the debtor to provide a loan or accept repayment. It also communicates with the deposit management device 50 to provide a loan to the debtor or accept repayment from the debtor.

[0018] The loan repayment processing unit 22 performs the above-mentioned loan or repayment processing for the debtor via the communication control unit 21.

[0019] When a new loan of a specified amount is made to a debtor, the carried-over accrued interest calculation unit 23 calculates a first carried-over accrued interest by adding together the amount obtained by multiplying the original loan balance by a specified loan interest rate, multiplying this by the number of loan days, and dividing the result by the number of days in a year, and the amount obtained by multiplying the newly made loan amount by a specified loan interest rate, multiplying this by the number of loan days, counting the day the new loan is made as one day, and dividing the result by the number of days in a year.

[0020] The data generating unit 24 generates claim transaction data including a first loan balance obtained by adding the predetermined amount of the newly provided loan to the original loan balance, and the calculated first carried-forward accrued interest.

[0021] When a debtor repays a portion of the loan amount, the appropriated interest calculation unit 25 calculates the first appropriated interest by multiplying the amount obtained by adding the first loan balance and the first carried-over accrued interest by the loan interest rate, multiplying this by the number of loan days, and dividing the result by the number of days in a year.

[0022] In addition, the data generation unit 24 generates debt transaction data including a second loan balance obtained by subtracting the repaid loan amount from the first loan balance, the calculated first allocated interest, and a first allocated principal obtained by subtracting the first allocated interest from the repaid loan amount.

[0023] Furthermore, when a new loan is taken out on the same day that a portion of the loan amount is repaid by the debtor, the carried-forward accrued interest calculation unit 23 calculates the second carried-forward accrued interest by multiplying the new loan amount by the loan interest rate, then multiplying it by the number of loan days in one day, and dividing the result by the number of days in one year. In this case, the data generation unit 24 generates claim transaction data including the third loan balance obtained by adding the new loan amount and the second loan balance immediately before the new loan was taken out, and the calculated second carried-forward accrued interest.

[0024] Furthermore, when a debtor repays a portion of the loan amount on the same day as the new loan is made, the appropriated interest calculation unit 25 calculates the second appropriated interest to be the same amount as the second carried-over accrued interest calculated at the time of the loan before the repayment. In this case, the data generation unit 24 subtracts the repaid loan amount from the third loan balance and generates claim transaction data including a fourth loan balance to which the second appropriated interest is added, the second appropriated interest, and the appropriated principal to which the second appropriated interest is subtracted from the repayment amount repaid by the debtor.

[0025] The display control unit 26 displays the bond contract data, bond transaction data, etc. via the output device 7, which is an example of a display unit.

[0026] (Reference example of normal credit management operations) Here, we will explain typical credit management as a reference example. Figure 2(a) shows, as an example, credit transaction data for a debtor with credit number "100" who has a loan balance of "200,000 yen" as of "January 20, 2022." In this state, let's assume that the creditor with credit number "100" newly borrows "500,000 yen" as of "January 25, 2022," as shown in Figure 3. As a result, the loan balance in the creditor's credit transaction data is updated to "700,000 yen," as shown in Figure 2(b).

[0027] Also, in this case, if the loan interest rate detected based on the debtor's credit contract data and the credit number is "5% per annum," the interest amount for 5 days on the loan balance will be calculated as "136 yen" by calculating "original carried-over accrued interest of 0 yen + original loan balance of 200,000 yen x loan interest rate of 5% x 5 days (January 21st to January 25th) ÷ 365 days." In the case of a leap year, "366 days" is used instead of "365 days."

[0028] Next, in this state, let's assume that the debtor repays 200,000 yen on February 1, 2022, as shown in Figure 4. In this case, the applied interest of 807 yen is calculated by calculating "136 yen of unearned interest carried forward + 700,000 yen x 5% loan interest rate x 7 days (January 26th to February 1st) ÷ 365 days," and entered into the debt acquisition data. The loan balance is then 700,000 yen - 200,000 yen + 807 yen = 508,070 yen. The applied principal is then 200,000 yen - 807 yen = 199,193 yen.

[0029] In this example, interest is calculated on a daily basis, so interest for 1 / 25 of a day on the additional 500,000 yen borrowed cannot be claimed.

[0030] Next, assume that a creditor with bond number "100" newly borrows "1 million yen" on "February 1, 2022," as shown in Figure 6. As a result, the loan balance in the creditor's bond transaction data is updated to "1,500,807 yen," as shown in Figure 7.

[0031] In this case, the calculation is "carried forward accrued interest 0 yen + 500,807 yen x loan interest rate 5% x 0 days (February 2nd to February 1st) ÷ 365 days = carried forward accrued interest 0 yen." Then, as shown in Figure 7, "0 yen" is entered as carried forward accrued interest in the bond transaction data.

[0032] Next, in this state, let's assume that the debtor repays 800,000 yen on February 1, 2022 (the same day as the 1 million yen borrowing date), as shown in Figure 8. In this case, the loan balance in the debt transaction data will be 700,807 yen. The allocated principal will also be 800,000 yen. However, the allocated interest will be 0 yen + 1,500,807 yen x loan interest rate 5% x 0 days (February 2 to February 1) ÷ 365 = 0 yen.

[0033] In this way, in the case of the reference example, if multiple borrowings and repayments are made on the same day, it becomes difficult to claim interest for the day of the loan.

[0034] (Debt management operation of the debt management device according to the embodiment) Next, the claims management operation of the claims management device 1 of the embodiment will be explained. The control unit 3 of the claims management device 1 of the embodiment functions as the communication control unit 21 to the display control unit 26 based on the claims management program, thereby performing the following claims management operation. As an example, Figure 10(a) shows claim transaction data for a debtor with claim number "100" who has a loan balance of "200,000 yen" dated "January 20, 2022." In this state, suppose that the creditor with claim number "100" makes a new loan request for "500,000 yen" via the mobile terminal device 40, as shown in Figure 11.

[0035] This borrowing request is acquired by the communication control unit 21 via the wireless base station 45, the network 30, and the communication interface unit 4. The loan repayment processing unit 22 transmits this borrowing request for "500,000 yen" via the communication interface unit 4 and the network 30 to the deposit management device 50 that manages the creditor's deposit account. As a result, the deposit management device 50 deposits a new amount of 500,000 yen into the creditor's deposit account.

[0036] As shown in Figure 10(b), the data generation unit 24 updates the loan balance in the credit transaction data of the creditor with credit number "100" dated "January 25, 2022" to "original loan balance of 200,000 yen + new borrowing amount of 500,000 yen = 700,000 yen."

[0037] Furthermore, if the loan interest rate detected based on the debtor's credit contract data is "5% per annum," the carried-forward accrued interest calculation unit 23 calculates "original carried-forward accrued interest of 0 yen + original loan balance of 200,000 yen x loan interest rate of 5% x 5 days (January 21st to January 25th) ÷ 365 days," thereby calculating "136 yen" of carried-forward accrued interest on the original loan balance of 200,000 yen. In the case of a leap year, "366 days" is used instead of "365 days."

[0038] Furthermore, the carried-forward accrued interest calculation unit 23 calculates "68 yen", which is the carried-forward accrued interest for one day on the new borrowing amount of 500,000 yen, by calculating "new borrowing amount 500,000 yen x loan interest rate 5% x 1 day ÷ 365 days". The carried-forward accrued interest calculation unit 23 calculates the carried-forward accrued interest of (136 yen + 68 yen = 204 yen) by adding up each carried-forward accrued interest. The data generation unit 24 updates the carried-forward accrued interest in the bond transaction data to "204 yen", as shown in Figure 10(b).

[0039] Next, in this state, assume that on "February 1, 2022," as shown in FIG. 12, the debtor repays "200,000 yen" via the mobile terminal device 40 as described above. This repayment request is acquired by the communication control unit 21 via the wireless base station 45, the network 30, and the communication interface unit 4. The loan repayment processing unit 22 transmits this repayment request for "200,000 yen" via the communication interface unit 4 and the network 30 to the deposit management device 50, which manages the creditor's deposit account. As a result, the deposit management device 50 debits the 200,000 yen, which corresponds to the repayment amount, from the creditor's deposit account.

[0040] In this case, the appropriated interest calculation unit 25 calculates "carried-over accrued interest 204 yen + 700,000 yen × loan interest rate 5% × 7 days (January 26th to February 1st) ÷ 365 days," and the data generation unit 24 inputs the appropriated interest of "875 yen" into the claim acquisition data, as shown in Figure 13. The data generation unit 24 also updates the loan balance in the claim transaction data to "700,000 yen - 200,000 yen + 807 yen = 500,875 yen," as shown in Figure 13. The data generation unit 24 also updates the appropriated principal in the claim transaction data to "200,000 yen - 875 yen = 199,125 yen," as shown in Figure 13.

[0041] In this way, the claim management device 1 of the embodiment can calculate interest on a daily basis, and can claim interest for 1 / 25 of a day on the additional borrowed 500,000 yen.

[0042] Next, assume that a creditor with a bond number of "100" newly borrows "1 million yen" on "February 1, 2022," as shown in Figure 14. As a result, the loan balance in the creditor's bond transaction data is updated by the data generation unit 24 to "1,500,875 yen," as shown in Figure 15.

[0043] In this case, the carried-forward accrued interest calculation unit 23 calculates the carried-forward accrued interest corresponding to the previous loan balance of "500,875 yen" by calculating "carried-forward accrued interest 0 yen + 500,875 yen × loan interest rate 5% × 0 days (February 2nd to February 1st) ÷ 365 days = carried-forward accrued interest 0 yen." Furthermore, the carried-forward accrued interest calculation unit 23 calculates the carried-forward accrued interest for one day on the current loan amount of 1 million yen by calculating "current loan amount 1 million yen × loan interest rate 5% × 1 day ÷ 365 days = carried-forward accrued interest 136 yen." In this example, the data generation unit 24 updates the carried-forward accrued interest in the bond transaction data to "0 yen + 136 yen = 136 yen."

[0044] Next, in this state, assume that the debtor repaid "800,000 yen" on "February 1, 2022 (the same day as the borrowing date of 1 million yen)" as shown in Figure 16. In this case, the data generation unit 24 updates the bond transaction data to "previous loan balance 1,500,875 yen - current repayment amount 800,000 yen + carried-over accrued interest 136 yen = 701,011 yen" (see Figure 17).

[0045] In addition, the appropriated interest calculation unit 25 calculates the previous carried-over accrued interest of "136 yen" as the appropriated interest. The data generation unit 24 updates the bond transaction data so that the appropriated interest becomes "136 yen", as shown in Figure 17. In addition, the data generation unit 24 updates the appropriated principal in the bond transaction data to "repayment amount 800,000 yen - appropriated interest 136 yen = 799,864 yen".

[0046] (Effects of the embodiment) As is clear from the above explanation, the loan management device 1 of the embodiment calculates "carried over accrued interest = current loan amount × loan interest rate × 1 day ÷ 365 days (366 days in leap years, decimal points are rounded down)" every time a loan or repayment is made. This makes it possible to calculate one day's interest for each loan and repayment and charge it to the debtor.

[0047] [Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of Goals 8 and 9 of the SDGs.

[0048] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0049] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0050] [Other embodiments] The present invention may be implemented in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0051] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using known methods.

[0052] Furthermore, the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed as desired unless otherwise specified.

[0053] Furthermore, with regard to the claim management device 1, the components shown in the figures are functional concepts, and do not necessarily have to be physically configured as shown in the figures.

[0054] For example, all or any part of the processing functions of the claim management device 1, particularly the control unit 3 and each processing function performed by the control unit 3, may be realized by a CPU (Central Processing Unit) and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processing described in this embodiment, and is mechanically read by the claim management device 1 as needed. In other words, a storage unit such as a ROM or HDD stores a computer program that works in cooperation with the OS to issue instructions to the CPU and perform various processing. This computer program is executed by being loaded into RAM, and works in cooperation with the CPU to form the control unit 3.

[0055] In addition, the debt management program of this debt management device 1 may be stored in another server device connected to the debt management device 1 via any network, and all or part of it may be downloaded as needed.

[0056] The loan management program for executing the processes described in this embodiment may be stored on a non-transitory computer-readable recording medium or configured as a program product. Here, the term "recording medium" includes any portable physical medium, such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical Disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) disc.

[0057] Furthermore, a "program" is a data processing method written in any language or description method, and does not matter whether it is in the form of source code or binary code. Note that a "program" is not necessarily limited to a single structure, but also includes a structure that is distributed as multiple modules or libraries, or a structure that achieves its function by working in cooperation with a separate program, such as an OS. Note that well-known structures and procedures can be used for the specific structure and reading procedure for reading a recording medium in the receivables management device 1 shown in the embodiment, as well as the installation procedure after reading.

[0058] The memory unit 2 is a storage means such as a memory device such as RAM or ROM, a fixed disk device such as a hard disk, a flexible disk, or an optical disk, and stores various programs, tables, databases, and web page files used for various processes and providing websites.

[0059] The loan management device 1 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as an information processing device connected to any peripheral device. The information processing device may also be realized by implementing software (including programs or data, etc.) that realizes the processing described in this embodiment.

[0060] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be configured by functionally or physically distributing and integrating them in any unit according to various additions or functional additions. In other words, the above-described embodiments can be implemented in any combination, or embodiments can be implemented selectively. [Industrial Applicability]

[0061] The present invention can be used in the financial industry, such as non-banks or online banks. [Explanation of symbols]

[0062] 1. Debt management device 2 Storage section 3. Control Unit 4. Communication interface section 5 Input / output interface section 6 Input Devices 7 Output Devices 21 Communication control unit 22 Loan Repayment Processing Department 23 Accrued interest calculation section 24 Data Generation Unit 25 Appropriated Interest Calculation Department 26 Display control unit

Claims

1. a carried-forward accrued interest calculation unit that calculates a first carried-forward accrued interest when a predetermined amount of new loan is made to a debtor by adding together an amount obtained by multiplying the original loan balance by a predetermined loan interest rate, multiplying the result by the number of loan days, and dividing the result by the number of days in a year, and an amount obtained by multiplying the newly made loan amount by the predetermined loan interest rate, multiplying the result by the number of loan days, with the day of making the new loan being counted as one day, and dividing the result by the number of days in a year; a data generating unit that generates a first loan balance obtained by adding a predetermined amount of newly provided loan and the original loan balance, and generates credit transaction data including the calculated first carried-forward accrued interest; A debt management device having the above.

2. and an appropriated interest calculation unit that, when a portion of the borrowed amount is repaid by the debtor, calculates a first appropriated interest by multiplying the amount obtained by adding the first unearned interest carried forward to the first loan balance by the loan interest rate, further multiplying the amount by the number of loan days, and dividing the result by the number of days in one year, the data generation unit generates claim transaction data including a second loan balance obtained by subtracting the repaid loan amount from the first loan balance, the calculated first appropriated interest, and a first appropriated principal obtained by subtracting the first appropriated interest from the repaid loan amount; 2. The claim management device according to claim 1,

3. the carried-forward accrued interest calculation unit, when a new loan is made on the same day as a day on which a portion of the loan amount is repaid by the debtor, calculates a second carried-forward accrued interest by multiplying the new loan amount by the loan interest rate, and further multiplying the result by the number of loan days in one day and dividing the result by the number of days in one year; the data generation unit generates claim transaction data including a third loan balance obtained by adding the new borrowing amount and the second loan balance immediately before the new borrowing, and the calculated second carried-forward accrued interest; 3. The claim management device according to claim 2, wherein:

4. the appropriated interest calculation unit, when a part of the borrowed amount is repaid by the debtor on the same day as the new borrowing is made, calculates as the second appropriated interest an amount equal to the second carried-forward accrued interest calculated at the time of the borrowing before the repayment; the data generation unit generates claim transaction data including a fourth loan balance obtained by subtracting the repaid loan amount from the third loan balance and adding the second appropriated interest, the second appropriated interest, and an appropriated principal obtained by subtracting the second appropriated interest from the repayment amount repaid by the debtor; 4. The debt management device according to claim 3, wherein:

5. a carried-forward accrued interest calculation step in which, when a new loan of a predetermined amount is made to a debtor, the carried-forward accrued interest calculation unit calculates a first carried-forward accrued interest by adding together an amount obtained by multiplying the original loan balance by a predetermined loan interest rate, multiplying the result by the number of loan days, and dividing the result by the number of days in one year, and an amount obtained by multiplying the newly made loan amount by the predetermined loan interest rate, multiplying the result by the number of loan days, with the day of the new loan being counted as one day, and dividing the result by the number of days in one year; a data generation step in which a data generation unit generates a first loan balance obtained by adding a predetermined amount of newly provided loan and the original loan balance, and claim transaction data including the calculated first carried-forward accrued interest; A receivables management method having the above.

6. Computer, a carried-forward accrued interest calculation unit that calculates a first carried-forward accrued interest when a predetermined amount of new loan is made to a debtor by adding together an amount obtained by multiplying the original loan balance by a predetermined loan interest rate, multiplying the result by the number of loan days, and dividing the result by the number of days in a year, and an amount obtained by multiplying the newly made loan amount by the predetermined loan interest rate, multiplying the result by the number of loan days, with the day of making the new loan being counted as one day, and dividing the result by the number of days in a year; functioning as a data generating unit that generates a first loan balance obtained by adding a predetermined amount of newly provided loan and the original loan balance, and credit transaction data including the calculated first carried-forward accrued interest; A receivables management program featuring:

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