JP2003242352A - Situation display device and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a situation display device and a computer program by which basic information such as debtor's sex, age and occupation and a situation with time about fulfillment of obligation can be accurately and easily grasped. <P>SOLUTION: Images obtained by imitating a character whose face, clothes and facial expression are determined based on the situation of fulfillment of obligation due to returning debt with deposit, the correspondence situation of the debtor to the fulfillment of obligation, and basic information such as sex, age and occupation are displayed. The images, in particular in respective terms are displayed side by side as images showing changes in situations with time. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a status display device for displaying the status of a debtor's performance of debt and a computer program for realizing the device, and in particular, the status of a debtor who is overdue to repay debt. The present invention relates to a status display device and a computer program that can be used as a measure of response by displaying.

[0002]

2. Description of the Related Art Regarding debtors who have debts such as debt,
In order for creditors, such as financial entities, to manage the debt repayment status, which is the fulfillment of their debts, the database that records basic information such as the debtor's gender, age and occupation, and the repayment status is accessed and recorded. Loan management systems that display basic information and repayment status are widespread.

[0003] Such a debt management system extracts debtors who are behind in repayment, reminds the extracted debtors by a communication method such as a telephone, and further confirms the expected date of deposit to confirm. It is used by recording the scheduled date in a database.

When conducting negotiations with the obligor such as reminder, the explanation method and the negotiation method such as demeanor are appropriately changed according to basic information such as gender, age and occupation of the obligor and history of repayment status. There is a need to. In other words, it can be said that it is indispensable to accurately grasp the situation of the debtor in order to effectively remind the debtor.

[0005]

However, for example, in a large-scale financial enterprise, the person in charge of negotiations with the debtor often changes in the middle of the process, and the number of debtors to be managed is large. It is difficult to grasp the situation, and it is easy for even a skilled person to grasp the situation of the obligor accurately and efficiently from the basic information displayed as letters and numbers and the repayment situation. There is no problem.

The present invention has been made in view of such circumstances, and displays the basic information of the debtor and the repayment status as an image imitating a person, and particularly displays the history of the repayment status by arranging the images at each time. By displaying the basic information of the obligor, the repayment status and its change over time,
Moreover, it is an object of the present invention to provide a status display device and a computer program that can be efficiently grasped and that can effectively support negotiation work such as reminder.

[0007]

A status display device according to a first aspect of the present invention, in a status display device for displaying a status regarding debt fulfillment of an obligor, accesses a database which records a status regarding debt fulfillment in association with time. Means, means for generating respective images simulating a person showing the situation for each period based on the situation for each period and basic information of the obligor recorded in the database, and the generated images for each time. And a means for displaying the images in a chronological order.

In the status display device according to the first aspect of the present invention, the status of debt service such as repayment of debt and the sex of the obligor,
By displaying basic information such as age and occupation as an image that imitates a person, and by displaying the images at each time side by side, the basic information of the obligor, the status of debt fulfillment and changes over time can be accurately displayed. Moreover, it is possible to efficiently grasp the information, and thereby it is possible to effectively support the negotiation work such as demand for debt fulfillment.

A status display device according to a second aspect of the present invention is a status display device for displaying a status relating to a debtor's performance of a debt, and basically records basic information of the debtor in association with a debtor ID for identifying the debtor. A means for accessing an information database and a means for accessing a fulfillment history database for recording fulfillment information indicating the status and timing of fulfillment of a debt due to payment by associating with the debtor ID Means for accessing a correspondence history database that records correspondence information indicating the status and timing of the correspondence,
Based on the means for extracting the basic information, the fulfillment information and the correspondence information from the basic information database, the fulfillment history database and the correspondence history database based on the debtor ID, and the extracted basic information and the fulfillment information and the correspondence information for each period. The present invention is characterized by including a generation unit that generates each image showing a situation for each time period, and a unit that displays the generated images side by side in order of lapse of time.

The status display device according to the second aspect of the present invention displays an image based on the status of debt fulfillment such as repayment of debt by deposit, the status of debtor's response to debt fulfillment, and basic information such as sex, age and occupation. , In particular, by displaying the images at each time side by side, it is possible to accurately and efficiently grasp the basic information of the obligor, the situation regarding debt fulfillment, and its change over time. It is possible to effectively support negotiation work such as reminder.

In a second aspect of the present invention, the image is an image imitating a person, and the generating means determines an image showing a face and clothes based on basic information, It is characterized in that an image showing a facial expression is decided based on the fulfillment information and the correspondence information.

In the status display device according to the third aspect of the present invention, by displaying an image simulating a person whose face, clothes and facial expression are determined based on the status and basic information regarding debt fulfillment, the basic information of the debtor and It is possible to accurately and efficiently grasp the situation regarding debt fulfillment and its change over time, and thereby it is possible to effectively support negotiation work such as reminder of debt fulfillment.

In the status display device according to a fourth aspect of the present invention, in the third aspect, the correspondence information recorded in the correspondence history database includes information indicating a scheduled time of deposit and is recorded in the fulfillment history database. The fulfillment information includes information indicating the timing of deposit, and the generating means is configured to determine an image showing a facial expression by comparing the scheduled time of deposit included in the correspondence information and the timing of deposit included in the fulfillment information. It is characterized by

In the status display device according to the fourth aspect of the present invention, the image of the debtor is determined based on the expected date of deposit and the actual deposit status obtained through negotiations with the debtor in advance, thereby obtaining information such as the character of the debtor. It is possible to understand in detail.

A computer program according to a fifth aspect of the present invention is a computer program for causing a computer connected to a display means to display a status regarding debt fulfillment of a debtor on the display means. A procedure for accessing the basic information database that records the basic information of the debtor in association with each other, and a fulfillment history database that records the fulfillment information indicating the status and timing of the fulfillment of the debt by depositing the computer in association with the debtor ID. Based on the debtor ID, and a procedure for causing the computer to access a correspondence history database that records correspondence information indicating the status and timing of the debtor's correspondence in association with the debtor ID. , Basic information database, fulfillment history database and correspondence history data From the base, a procedure for extracting basic information, fulfillment information, and correspondence information, and a procedure for causing a computer to generate each image showing a situation for each time, based on the extracted basic information and the fulfillment history and correspondence information for each time And a procedure for causing the computer to display the generated images on the display unit side by side in the order of the passage of time.

The computer program according to the fifth aspect of the present invention is executed by a computer managed as a client computer by a creditor such as a financial institution so that the computer operates as a status display device. The basic information of the debtor is displayed by displaying an image based on the status of the performance of the debt and the status of the debtor's response to the performance of the debt and basic information such as sex, age and occupation, in particular, displaying the images at each time side by side. In addition, it is possible to accurately and efficiently grasp the situation regarding debt fulfillment and its change over time, and thereby it is possible to effectively support negotiation work such as demand for debt fulfillment.

[0017]

BEST MODE FOR CARRYING OUT THE INVENTION The present invention will be described in detail below with reference to the drawings showing the embodiments thereof. FIG. 1 is an explanatory view conceptually showing a bond management system using the status display device of the present invention. In the figure, 1 is a status display device using a computer managed by a creditor such as a financial institution as a client computer, and the status display device 10 is connected to a communication network NW such as a LAN.

In the communication network NW, a basic information database (basic information DB) 20a that records basic information of a debtor who is a corporation or an individual, and a performance history database (performance information database that records the performance status of debts such as debts). Fulfillment history DB) 2
0b and a recording device 20 including various databases such as a correspondence history database (correspondence history DB) 20c for recording the correspondence situation of the debtor is connected.

Further, in the communication network NW, a management device 30 such as a host computer which is connected to a terminal device 40 such as a depositing device installed in a business institution of a financial institution by a dedicated line L and manages information regarding debt fulfillment such as depositing. Are connected.

FIG. 2 is a block diagram showing the configuration of a bond management system using the status display device 10 of the present invention. The status display device 10 is a CD-recording computer program PG for the status display device of the present invention and information such as data.
CD that reads various information from recording medium REC such as ROM
-Auxiliary storage means 12 such as a ROM drive, and a recording means 13 such as a hard disk for recording various information read by the auxiliary storage means 12. Then, the computer program PG of the present invention and various information such as data are read from the recording means 13 and the information is temporarily stored in R.
By being stored in the AM 14 and executed by the CPU 11, the computer operates as the status display device 10 of the present invention.

The status display device 10 further includes an input means 15 such as a keyboard and a mouse, a display means 16 such as a monitor, and a communication means 1 such as a LAN board connected to the communication network NW.
Equipped with 7.

A part of the recording area of the recording means 13 displays a face image of a person, a face table 10a in which an image of a person's face is recorded, a clothes table 10b in which an image of clothes is recorded, and facial expressions. Facial expression table 1 with recorded images
It is used as various tables such as 0c.

FIG. 3 is an explanatory view conceptually showing the recorded contents of various tables provided in the status display device 10 of the present invention.
FIG. 3A shows a face table 10a, in which images showing faces of a person by sex and age are recorded. FIG. 3B shows a clothes table 10b, in which images showing clothes of a person by sex and occupation are recorded. FIG. 3C shows a facial expression table 10c in which an image showing the facial expression of a person is recorded.

The recording device 20 comprises a CPU 21 and a recording means 2.
2, a RAM 23 and a communication unit 24, and a recording unit 22
A part of the recording area of the basic information database 20a, the fulfillment history database 20b, and the correspondence history database 2
It is used as various databases such as 0c, and is accessed from the status display device 10 via the communication network NW as necessary. Note that a part of the recording area of the recording unit 13 included in the situation display device 10 may be used as various databases and accessed as necessary.

FIG. 4 is an explanatory view conceptually showing the recorded contents of various databases accessed from the status display device 10 of the present invention. FIG. 4A shows a basic information database 2
0a, and the basic information database 20a contains
When the debtor is an individual in association with the debtor ID identifying the debtor, various personal information such as gender, age and occupation is recorded as basic information, and when the debtor is a corporation. Is recorded with various company information such as representatives and business as basic information. Also, when personal information such as the impression and health condition of the debtor is found, that information is also included.

FIG. 4B shows the fulfillment history database 20.
In the fulfillment history database 20b, the status of fulfillment of debt by deposit associated with the debtor ID is recorded as fulfillment information such as deposit date and deposit amount indicating the timing of deposit.

FIG. 4C shows the correspondence history database 20.
In the correspondence history database 20c, the correspondence status of the debtor associated with the debtor ID is recorded as the correspondence information such as the negotiation date, the estimated deposit time obtained by the negotiation, and the remarks. ing.

The basic information database 20a and the correspondence history database 20c record the contents input by using the client computer such as the status display device 10, and the fulfillment history database 20b stores the terminal device 40.
The status of debt fulfillment, which indicates the deposit made by using, is automatically recorded by the access from the management device 30.

The management device 30 includes a CPU 31 and a recording means 3.
2, the RAM 33, the first communication means 3 connected to the communication network NW
4 and the second communication means 35 to which the dedicated line L is connected. The terminal device 40 is a CPU 4 that controls the entire device.
1. The deposit / withdrawal means 42, which is a man-machine interface for deposit / withdrawal, and the communication means 43, to which the communication line L is connected, are provided. Is transmitted to the management device 30 via the management device 30, and the performance history database 2 is processed by the management device 30.
0b is updated.

Next, the processing of the status display device 10 of the present invention will be described with reference to the flowchart shown in FIG. When the operator who operates the status display device 10 displays the status regarding the debt performance of the debtor, he / she inputs the debtor ID of the debtor and performs a predetermined operation. Even if it is not the debtor ID,
If the debtor can be specified, information such as name may be used.

The status display device 10 accepts the input of the debtor ID (step S1), and based on the accepted debtor ID, the basic information database 20a, the fulfillment history database 20b and the correspondence history database 20c provide basic information and fulfillment information. And the corresponding information are extracted (step S2).

Then, based on the extracted basic information and the fulfillment information and correspondence information for each time period, each image imitating a person showing the situation for each time period is generated (step S3), and each generated image is timed. The data are displayed side by side in the order of progress (step S4). In step S3, the images showing the face and clothes are determined based on the basic information, and based on the comparison between the deposit date included in the fulfillment information indicating the deposit date and the scheduled deposit date included in the correspondence information. The image showing the facial expression is determined.

Next, a specific example of an image displayed on the situation display device 10 of the present invention will be described. FIG. 6 is an explanatory view conceptually showing the relationship between the image displayed on the situation display device 10 of the present invention and the recorded contents of the database. FIG. 6 shows a state in which the debtor incurred debt is registered, and FIG.
Shows the basic information database 20a, and FIG.
(B) shows an image displayed from the status display device 10.

At this time, the fulfillment history database 2
0b and the correspondence history database 20c do not record information that influences the image simulating a person, and therefore, FIG.
In the image shown in (b), an image of a person determined from gender, age and occupation extracted from the basic information database 20a and information such as the name, address and telephone number of the debtor are displayed.

FIG. 7 is an explanatory view conceptually showing the relationship between the image displayed on the situation display device 10 of the present invention and the recorded contents of the database. In Fig. 7, it was found from the state of Fig. 6 that the debt was not fulfilled on the original planned debt fulfillment date, that is, the deposit was not made. 7 (a) and FIG. 7
7B shows the basic information database 20a and the correspondence history database 20c, and FIG. 7C shows the image displayed from the status display device 10. At this time, the correspondence history database 20c records the date of negotiation and the estimated deposit date obtained by the negotiation.

In the image shown in FIG. 7C, a new image is displayed side by side with the image generated at the time of FIG. 6, and the new image is recorded in the correspondence history database 20c. As described above, the image is a puzzled expression based on the situation in which the debt was not fulfilled on the original expected debt fulfillment date and negotiations were conducted.

FIG. 8 is an explanatory view conceptually showing the relationship between the image displayed on the situation display device 10 of the present invention and the recorded contents of the database. 8 is a state in which the obligor deposits money from the terminal device 40 from the state of FIG. 7, the fulfillment history database 20b is updated by the processing of the management device 30, and it is found that the debt is fulfilled. (A), FIG.
8B and 8C respectively show the basic information database 20.
a, the correspondence history database 20c and the fulfillment history database 20b are shown, and FIG.
The image displayed from 0 is shown. At this time, the payment history and the payment amount are recorded in the fulfillment history database 20b.

In the image shown in FIG. 8D, a new image is displayed side by side with the two images generated at the time of FIG. 7, and the new image is the fulfillment history database 2
Correspondence history database 2 as recorded in 0b
It is an image simulating a smiling expression based on the situation that the deposit was made on the expected deposit date shown in 0c.

FIG. 9 is an explanatory view conceptually showing the relationship between the image displayed on the status display device 10 of the present invention and the recorded contents of the database. FIG. 9 shows a state in which the debtor has not made a deposit from the state shown in FIG.
8A, 8B and 8C respectively show the basic information database 20a, the correspondence history database 20c and the fulfillment history database 20b, and FIG. 8D is displayed from the status display device 10. The image is shown. At this time, since no payment has been made in the fulfillment history database 20b even at the planned deposit date, the planned deposit date is recorded as provisional data in the deposit date column, and the deposit amount column indicates the deposit amount. “0” is recorded, which indicates that the job has not been performed.

In the image shown in FIG. 9D, a new image is displayed side by side with the two images generated at the time of FIG. 7. The new image is the fulfillment history database 2
Correspondence history database 2 as recorded in 0b
The image imitates an angry expression based on the situation in which no deposit was made on the expected deposit date shown in 0c.

By displaying the changes in the fulfillment status of debts side by side in this way, it is possible to easily grasp the situation in which debts were fulfilled without problems in the past, but tend to be late these days. Becomes

In the above-described embodiment, the form in which the image is generated as to whether or not the debt is fulfilled has been shown, but the present invention is not limited to this, and the health condition of the debtor, the correspondence of the telephone and the family structure, etc. The information may be recorded in a database such as the basic information database 20a, and an image may be generated based on these information.

Further, in the above-described embodiment, the form in which an image imitating a person is generated has been described. However, in the case where the debtor is a corporation, an image of a building or an image of an anthropomorphic structure is generated in various ways. It is possible to use various images.

(Supplementary Note 1) In a status display device for displaying the status of debt fulfillment of an obligor, a means for accessing a database for recording the status of debt fulfillment in association with a time, and for each time of recording in the database A means for generating respective images simulating a person showing the situation for each period based on the situation and basic information of the debtor; and means for displaying the produced respective images side by side in order of time passage. Characteristic status display device. (Supplementary Note 2) In a status display device for displaying the status of debt performance of a debtor, means for accessing a basic information database for recording basic information of the debtor in association with the debtor ID for identifying the debtor, and debt Corresponding to the debtor ID and a means for accessing a fulfillment history database that records fulfillment information indicating the status and timing of debt fulfillment due to deposit, and correspondence to the obligor ID and indicating the response status and timing of the debtor A means for accessing the correspondence history database for recording information, a means for extracting the basic information, the fulfillment information and the correspondence information from the basic information database, the fulfillment history database and the correspondence history database based on the debtor ID, and the extracted basic Generation means for generating respective images showing the situation for each period based on the information and the fulfillment information and correspondence information for each period , An image of each of the generated status display device characterized by comprising means for displaying arranged in order of time. (Supplementary Note 3) The image is an image imitating a person, and the generation means determines an image showing a face and clothes based on basic information, and an image showing a facial expression based on fulfillment information and correspondence information. The situation display device according to appendix 2, wherein the situation display device is configured to do so. (Supplementary Note 4) The correspondence information recorded in the correspondence history database includes information indicating a scheduled time of deposit, and the fulfillment information recorded in the fulfillment history database includes information indicating a timing of deposit. The situation display device according to appendix 3, wherein the generation unit is configured to determine an image showing a facial expression by comparing a scheduled deposit time included in the correspondence information and a deposit timing included in the performance information. (Supplementary Note 5) In a computer program for causing a computer connected to a display means to display the status of debt fulfillment of a debtor on the display means, the computer is associated with a debtor ID that identifies the debtor, and the debtor's basic A procedure for accessing a basic information database that records information, a procedure for causing a computer to access a fulfillment history database that records fulfillment information indicating the status and timing of debt fulfillment by deposit, in association with a debtor ID, and a computer , A procedure for accessing a correspondence history database that records correspondence information indicating the status and timing of the debtor's correspondence in association with the debtor ID, and a computer based on the debtor ID, a basic information database, a fulfillment history database And from the correspondence history database, basic information, fulfillment information and correspondence information And a procedure for causing the computer to generate each image showing the situation for each period based on the extracted basic information and the fulfillment history and correspondence information for each period, and the computer for generating each image. , And a procedure for displaying them on a display means side by side in the order of passage of time. (Supplementary Note 6) In a computer-readable recording medium in which a computer program for causing the display means to display the status regarding the debt fulfillment of the debtor is recorded in the computer connected to the display means,
In association with a debtor ID that identifies the debtor, a procedure for accessing a basic information database that records basic information of the debtor, and in association with a computer to the debtor ID,
A procedure for accessing a fulfillment history database that records fulfillment information indicating the status and timing of fulfillment of debt by deposit, and
A procedure of causing a computer to access a correspondence history database that records correspondence information indicating the status and timing of the debtor's correspondence in association with the debtor ID;
A procedure for extracting the basic information, the fulfillment information and the correspondence information from the basic information database, the fulfillment history database and the correspondence history database based on the debtor ID, and the extracted basic information and the fulfillment history and the correspondence information at each time in the computer. Based on the above, a computer program is recorded which includes a procedure for generating respective images showing a situation at each time, and a procedure for causing a computer to display the generated respective images in order of lapse of time on a display means. A computer-readable recording medium characterized by the above.

[0045]

As described above in detail, in the status display device and the computer program according to the present invention, the basic information such as the debtor's repayment status and the status of each debt performance and the debtor's sex, age, occupation, etc. Displayed as an image imitating
In particular, by displaying the images of each period side by side, it is possible to accurately and efficiently grasp the basic information of the obligor, the status of debt fulfillment, and its change over time. It has excellent effects such as being able to effectively support negotiation work such as.

[Brief description of drawings]

FIG. 1 is an explanatory view conceptually showing a bond management system using a status display device of the present invention.

FIG. 2 is a block diagram showing a configuration of a bond management system using the status display device of the present invention.

FIG. 3 is an explanatory view conceptually showing the recorded contents of various tables included in the status display device of the present invention.

FIG. 4 is an explanatory view conceptually showing the recorded contents of various databases accessed from the status display device of the present invention.

FIG. 5 is a flowchart showing the processing of the status display device of the present invention.

FIG. 6 is an explanatory view conceptually showing the relationship between the image displayed on the situation display device of the present invention and the recorded contents of the database.

FIG. 7 is an explanatory diagram conceptually showing the relationship between the image displayed on the situation display device of the present invention and the recorded contents of the database.

FIG. 8 is an explanatory diagram conceptually showing the relationship between the image displayed on the status display device of the present invention and the recorded contents of the database.

FIG. 9 is an explanatory diagram conceptually showing the relationship between the image displayed on the status display device of the present invention and the recorded contents of the database.

[Explanation of symbols]

10 Status display device 20 recording device 20a Basic information database 20b Fulfillment history database 20c correspondence history database 30 management device 40 terminal equipment L dedicated line NW communication network PG computer program REC recording medium

Claims (5)

[Claims] 1. A status display device for displaying the status of a debtor's fulfillment of debt, a means for accessing a database for recording the status of debt fulfillment in association with a time, and a status for each time recorded in the database, and Based on the basic information of the debtor, it is provided with means for generating respective images simulating a person showing the situation at each time, and means for displaying the respective generated images side by side in order of time passage. Status display device. 2. A status display device for displaying the status of debt fulfillment of a debtor, and means for accessing a basic information database recording basic information of the debtor in association with the debtor ID for identifying the debtor. A means for accessing a fulfillment history database that records fulfillment information indicating the status and timing of debt fulfillment by depositing in association with the obligor ID, and indicating the obligor's response situation and timing in association with the obligor ID A means for accessing a correspondence history database for recording correspondence information, and a means for extracting the basic information, the fulfillment information and the correspondence information from the basic information database, the fulfillment history database and the correspondence history database based on the debtor ID, Based on the basic information and the implementation information and correspondence information for each period, a raw image is generated that shows the situation for each period. And means, an image of each of the generated status display device characterized by comprising means for displaying arranged in order of time. 3. The image is an image imitating a person, and the generation means determines an image showing a face and clothes based on basic information, and an image showing a facial expression based on fulfillment information and correspondence information. The status display device according to claim 2, wherein the status display device is configured to be determined. 4. The correspondence information recorded in the correspondence history database includes information indicating a scheduled payment time, and the performance information recorded in the performance history database includes information indicating a payment time. 4. The status display according to claim 3, wherein the generation unit is configured to determine an image showing a facial expression by comparing a scheduled deposit time included in the correspondence information and a deposit timing included in the performance information. apparatus. 5. A computer program for causing a computer connected to a display means to display the status of debt fulfillment of a debtor on the display means, in association with the debtor ID for identifying the debtor to the computer, A procedure for accessing a basic information database that records basic information; a procedure for causing a computer to access a fulfillment history database that records fulfillment information indicating the status and timing of debt fulfillment by deposit in association with a debtor ID; And a procedure for accessing a correspondence history database that records correspondence information indicating the status and timing of the debtor's correspondence in association with the debtor ID, and a computer based on the debtor ID, a basic information database, a performance history. Basic information, fulfillment information and The procedure of extracting response information, the procedure of causing the computer to generate each image showing the situation of each time based on the extracted basic information and the performance history and correspondence information of each time, A computer program comprising a step of displaying images on a display unit side by side in the order of passage of time.