JP2022018891A - Load support device, load support method and load support program - Google Patents

Abstract

To efficiently retrieve a variation destination that has the large variation in the uncollected interest amount from a base date.SOLUTION: A loan support device according to an embodiment comprises: data acquisition means which acquires uncollected interest daily total data including a reception data, customer identification information, credit identification information and an uncollected interest amount to store the data in a storage unit; retrieval condition designation means which at least designates a variation period from a latest base date and a retrieval condition for the lower limit of an uncollected interest variation amount; totalizing means which calculates the uncollected interest variation amount by totalizing the uncollected interest daily total data stored in the storage unit for the variation period from the latest base date designated by the retrieval condition designation means; and variation designation output means which outputs a list of the uncollected interest variation destinations including the customer identification information, credit identification information and the uncollected interest variation amount in which the uncollected interest variation amount totalized by the totalizing means becomes equal to or greater than the lower limit of the uncollected interest variation amount.SELECTED DRAWING: Figure 2

Description

The present invention relates to a loan support device, a loan support method, and a loan support program.

The Financial Services Agency conducts offside monitoring of financial institutions. For the FSA's regular off-site monitoring of financial results, loans are usually evaluated based on closing data as of the end of the month. For example, Patent Document 1 is a system for dealing with monitoring by the Financial Services Agency.

Japanese Unexamined Patent Publication No. 2009-128964

However, Patent Document 1 does not describe a method for efficiently searching for a variable destination in which the amount of accrued interest fluctuates greatly from the record date (for example, the settlement date).

The present invention has been made in view of the above, and is a loan support device, a loan support method, and a loan support program capable of efficiently searching for a fluctuation destination in which the amount of accrued interest from the record date fluctuates greatly. The purpose is to provide.

In order to solve the above-mentioned problems and achieve the object, the present invention is a loan support device including a storage unit and a control unit, and the control unit includes an acceptance date, customer identification information, credit identification information, and uncollected interest. Search condition specification that specifies the data acquisition means that acquires the accrued daily total data including the interest amount and stores it in the storage unit, and at least the search condition for the fluctuation period from the latest record date and the lower limit of the accrued interest fluctuation amount. The means, the totaling means for calculating the amount of the accrued interest fluctuation by aggregating the accrued interest daily total data stored in the storage unit for the fluctuation period from the latest reference date designated by the search condition designating means, and the aggregating means. A variable destination output means that outputs a list of accrued interest fluctuation destinations including customer identification information, credit identification information, and accrued interest fluctuation amount, in which the accrued interest fluctuation amount aggregated in is equal to or higher than the lower limit of the accrued interest fluctuation amount. It is characterized by being prepared.

Further, according to one aspect of the present invention, the data acquisition means may acquire the accrued daily total data from the host computer of the financial institution.

Further, according to one aspect of the present invention, the search condition includes the lower limit of the loan balance, and the accrued interest fluctuation destination output means is at least the lower limit of the accrued interest fluctuation amount and at least the lower limit of the loan balance. The list of accrued interest fluctuation destinations may be output.

Further, in order to solve the above-mentioned problems and achieve the object, the present invention is a loan support device executed by an information processing apparatus including a control unit and a storage unit, and is executed by the control unit. The data acquisition process that acquires the accrued daily total data including the acceptance date, customer identification information, receivable identification information, and accrued interest amount and stores it in the storage unit, and at least the fluctuation period from the latest reference date and the accrued interest fluctuation. For the search condition specification process that specifies the search condition for the lower limit of the amount and the fluctuation period from the latest reference date specified in the search condition specification process, the accrued interest daily total data stored in the storage unit is aggregated and the accrued interest is accrued. The aggregation process for calculating the fluctuation amount and the accrued interest fluctuation destination including the customer identification information, the credit identification information, and the accrued interest fluctuation amount for which the accrued interest fluctuation amount aggregated in the aggregation process is equal to or higher than the lower limit of the accrued interest fluctuation amount. It is characterized by including a variable destination output process for outputting a list of.

Further, in order to solve the above-mentioned problems and achieve the object, the present invention is a financing support program for causing an information processing apparatus provided with a control unit and a storage unit to execute, and the acceptance date in the control unit. , Customer identification information, credit identification information, accrued interest daily total data including accrued interest amount is acquired and stored in the storage unit, and at least the fluctuation period from the latest reference date and the accrued interest fluctuation amount For the search condition specification process that specifies the lower limit search condition and the fluctuation period from the latest reference date specified in the search condition specification process, the accrued interest daily total data stored in the storage unit is aggregated and the accrued interest fluctuation amount. A list of accrued interest fluctuation destinations including customer identification information, credit identification information, and accrued interest fluctuation amount for which the accrued interest fluctuation amount aggregated in the aggregation process is equal to or higher than the lower limit of the accrued interest fluctuation amount. It is characterized by a variable destination output process that outputs, and a loan support program for executing.

According to the present invention, there is an effect that it is possible to efficiently search for a fluctuation destination in which the fluctuation of the amount of accrued interest from the record date is large.

FIG. 1 is a diagram for explaining a processing image of the present embodiment. FIG. 2 is a block diagram showing an example of the configuration of the loan support device according to the present embodiment. FIG. 3 is a diagram for explaining an example of the entire processing procedure of the control unit of the accounting processing apparatus according to the present embodiment. FIG. 4 is a diagram showing a display example of the batch processing common menu screen. FIG. 5 is a diagram showing a display example of the batch processing common menu screen. FIG. 6 is a diagram showing a display example of the accrued interest fluctuation search screen. FIG. 7 is a diagram showing a display example of the accrued interest fluctuation search screen. FIG. 8 is a diagram for explaining a data structure.

Hereinafter, the loan support device, the loan support method, and the embodiment of the loan support program according to the present invention will be described in detail with reference to the drawings. The present invention is not limited to this embodiment.

[1. Overview]
For regular off-site monitoring of financial statements by the FSA, loans are usually evaluated based on closing data as of the end of the month. However, depending on the customer / credit, there are cases where interest is redeemed after the settlement of accounts, but it was necessary to extract the number of cases to be corrected from a huge amount of details, and that work took time.

Specifically, since the work of extracting the correction target was not the attribute information of the customer but the extraction with the actual current amount, it was necessary to focus on the amount of accrued interest. The daily total information of accrued interest is mainly managed by the host computer of the financial institution, and it is very efficient because the person in charge of the department in charge of extraction repeatedly requests extraction and outputs the data. Was bad.

Therefore, in this embodiment, a search function is provided that can easily extract the fluctuation destination where the amount of accrued interest fluctuates greatly from the daily total data of accrued interest when the interest is redeemed after the settlement of accounts. Further, in this embodiment, a function of accepting the daily total data of accrued interest from the host computer of the financial institution is installed.

As a result, since it has a function of extracting receivables with a large amount of fluctuation, it is possible to greatly improve the efficiency of business. The loan evaluation at the time of settlement can be evaluated in a more precise and up-to-date state at the time of monitoring by the authorities, and it is possible to reflect sudden fluctuation factors after the settlement.

FIG. 1 is a diagram for explaining a processing image of the present embodiment. (1) The host computer of the financial institution manages the daily total data of accrued interest. (2) The loan support system (device) of the present embodiment links (acquires) daily accrued daily total data from the host computer of the financial institution and sequentially accumulates the accumulated interest after the record date. It becomes possible to grasp the recorded amount. (3) The loan support system (device) of the present embodiment can search the accumulated accrued interest amount, and can extract the destination where the accrued interest amount exceeds a certain amount. This makes it possible to consider large fluctuations as correction targets during off-site monitoring by the Financial Services Agency.

Hereinafter, a specific configuration and operation will be described.

[2. Constitution]
The configuration of the loan support device 100 according to the present embodiment will be described with reference to FIG. FIG. 2 is a block diagram showing an example of the configuration of the loan support device 100 according to the present embodiment.

The loan support device 100 is a commercially available desktop personal computer. The loan support device 100 is not limited to a stationary information processing device such as a desktop personal computer, but is a portable type such as a commercially available notebook personal computer, a PDA (Personal Digital Assistants), a smartphone, or a tablet personal computer. It may be an information processing device.

As shown in FIG. 2, the loan 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 loan support device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 connects the loan support device 100 to the network 300 so as to be communicable 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 another device via a communication line. Here, the network 300 has a function of connecting the loan support device 100 to the host computer 400 or the server 200 of the financial institution so as to be able to communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). The data stored in the storage unit 106, which will be described later, may be stored in the server 200.

An input device 112 and an output device 114 are connected to the input / output interface unit 108. As the output device 114, a speaker or a printer can be used in addition to a monitor (including a home television). As the input device 112, a keyboard, a mouse, and a microphone, as well as 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 referred to as a monitor 114, and the input device 112 may be referred to as a keyboard 112 or a mouse 112. Further, the “output” includes displaying on the monitor of the output device 114 and printing on the printer of the output device 114. Further, the user operating the information displayed on the monitor 114 with the input device 112 or the like may be described as "user operation via UI".

Various databases, tables, files, and the like are stored in the storage unit 106. In the storage unit 106, a computer program for giving an instruction to a CPU (Central Processing Unit) in cooperation with an OS (Operating System) to perform various processes is recorded. As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) / ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, or the like can be used.

Further, the storage unit 106 stores the accrued interest data receiving work 106a and the aggregation table 106b.

The accrued interest data receiving work 106a is for storing the daily total data of accrued interest acquired from the host computer 400 of the financial institution. The accrued daily total data is, for example, data such as a receipt date, a customer number which is customer identification information for identifying a customer, a receivable number which is receivable identification information for identifying a receivable, a loan item, and an accrued interest amount. May include.

The aggregation table 106b is a table used for aggregating the accrued daily total data when searching the list of accrued interest fluctuation destinations.

The control unit 102 is a CPU or the like that comprehensively controls the loan support device 100. The control unit 102 has an internal memory for storing a control program such as an OS, a program that defines various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Execute. The control unit 102 is functionally conceptually provided with a data acquisition unit 102a, a search condition designation unit 102b, an aggregation unit 102c, a fluctuation destination output unit 102d, and a screen display control unit 102e.

The data acquisition unit 102a receives, for example, from the host computer 400 of the financial institution in response to an operator operation or the like on the batch processing common menu screen (see FIGS. 4 and 5) displayed on the monitor 114. , Customer identification information, credit identification information, and accrued interest daily total data including accrued interest amount are acquired and stored in the accrued interest data receiving work 106a.

The search condition designation unit 102b has at least a fluctuation period from the latest reference date according to an operator's operation on the accrued interest fluctuation destination search screen (see FIGS. 6 and 7) displayed on the monitor 114. Specify the search conditions for the lower limit of the amount of interest accrued. The search condition designation unit 102b may further specify a lower limit of the loan balance as a search condition.

The totaling unit 102c totals the accrued interest daily total data stored in the accrued interest data receiving work 106a for the fluctuation period from the latest reference date specified by the search condition designating unit 102b, and calculates the accrued interest fluctuation amount.

The variable destination output unit 102d is the accrued interest fluctuation destination including the customer identification information, the receivable identification information, and the accrued interest fluctuation amount in which the accrued interest fluctuation amount aggregated by the aggregation unit 102c is equal to or higher than the specified lower limit of the accrued interest fluctuation amount. Output a list of. The variable destination output unit 102d may output a list of accrued interest fluctuation destinations that are equal to or greater than the lower limit of the accrued interest fluctuation amount and equal to or greater than the lower limit of the loan balance.

The screen display control unit 102e controls the display and input of various screens (for example, a menu screen, a batch processing common menu screen, a search screen for accrued interest fluctuation destinations, etc.) to be displayed on the monitor 114.

[3. Specific example of processing]
A specific example of processing in the control unit 102 of the loan support device 100 according to the present embodiment will be described with reference to FIGS. 2 to 8. FIG. 3 is a diagram for explaining an example of the entire processing procedure of the loan support device 100 according to the present embodiment. With reference to FIG. 3, an example of the entire processing procedure of the loan support device 100 according to the present embodiment will be described.

In FIG. 3, the data acquisition unit 102a executes the data acquisition process (step S1). Specifically, in the data acquisition process, the data acquisition unit 102a, for example, responds to an operator's operation on the batch processing common menu screen (for example, see FIG. 4) displayed on the monitor 114, for example, finance. The accrued interest daily total data including the receipt date, customer identification information, credit identification information, and accrued interest amount is acquired from the host computer 400 of the institution and stored in the accrued interest data acceptance work 106a.

The search condition designation unit 102b executes the search condition designation process (step S2). Specifically, in the search condition designation process, the search condition designation unit 102b, for example, responds to an operator's operation on the accrued interest fluctuation destination search screen displayed on the monitor 114, at least from the latest reference date. Specify the search conditions for the variable period and the lower limit of the amount of interest accrued. The search condition may include the loan balance.

The aggregation unit 102c executes the aggregation process (step S3). Specifically, in the aggregation process, the aggregation unit 102c aggregates the accrued interest daily total data stored in the accrued interest data receiving work 106a for the fluctuation period from the latest reference date specified by the search condition specification unit 102b. Calculate the amount of change in interest accrued.

The variable destination output unit 102d executes the variable destination output process (step S4). Specifically, in the variable destination output process, the variable destination output unit 102d has, for example, the accrued interest fluctuation amount specified by the totalized unit 102c on the accrued interest variable destination search screen displayed on the monitor 114. Display and output a list of accrued interest fluctuation destinations including customer identification information, receivable identification information, and accrued interest fluctuation amount that is equal to or greater than the lower limit of the interest fluctuation amount.

A specific data example of the processing of the control unit 102 of the loan support device 100 according to the present embodiment will be described with reference to FIGS. 4 to 8. 4 and 5 are diagrams showing a display example of the batch processing common menu screen. 6 and 7 are diagrams showing a display example of the accrued interest fluctuation search screen. FIG. 8 is a diagram for explaining a data structure. The screen display control unit 102e controls the display of the batch processing common menu screen and the accrued interest fluctuation search screen according to the operation of the operator.
In the following description, the unit of the amount of money is all "yen", and the notation may be omitted.

(Data acquisition process)
The data acquisition process will be described with reference to FIGS. 4 and 5. For example, the screen display control unit 102e activates the batch processing common menu screen as shown in FIG. 4 in response to an operator's instruction, and displays the batch processing common menu screen. When the operator selects the details of the accrued daily total data linkage processing on the batch processing common menu screen, presses the display button, and then presses the execute button, the data acquisition unit 102a cooperates with the host computer 400 of the financial institution. Acquire daily interest accrual data.

The batch processing common menu screen shown in FIG. 4 has a header part, a display button for displaying parameter items at the bottom of the screen by pressing with the processing details selected, and an execution button for executing the selected processing. And, it has a reselection button to return to the state of detail selection again without updating the edited information, and a back button to return to the previous screen.

In the header part, the system name, job name, special notes, implementation condition 1, implementation condition 2, implementation condition 3, operation cycle, and menu are displayed. The system name is the system name to be handled. The job name is the name of the job that executes the process. The special notes are special notes regarding processing. Implementation conditions 1 to 3 are implementation conditions 1 to 3 required for processing. The operation cycle is a cycle in which processing is operated. In the menu, "Comprehensive loan", "Receivable interest daily total data linkage processing", and "Daily linkage of accrued interest daily total data" are displayed.

Here, when "Account accrued daily total data linkage processing" is selected and the display button is pressed, the batch processing common menu screen is displayed with No, which is a serial number for identifying the details, as shown in FIG. , The job name, which is the name of the job to process, is displayed.

In the example shown in FIG. 5, No. "001" and the job name "Account accrued daily total data linkage process" are displayed. When the "execute" button is pressed, the accrued interest daily total data is acquired from the host computer 400 of the financial institution in cooperation with the host computer 400 of the financial institution and stored in the accrued interest data receiving work 106a.

The layout of the receipt data of the accrued daily total data is, for example, the acceptance date, the customer number, the receivable number, the loan item, the accrued interest amount, and so on. Specifically, for example, the first line is the receipt date "20200402", the customer number "0000001", the receivable number "0000001", the loan item "30", the accrued interest amount "1,982,978", and the second line. Is the receipt date "20200402", customer number "0000001", receivable number "0000002", loan item "31", accrued interest amount "82,932", and the third line is the receipt date "20200403", customer number "0000001". , The receivable number "0000001", the loan item "30", the amount of interest accrued "2,043,024", and so on. In the data acquisition process, data such as store number, debtor's business category, industry code, debtor's classification, loan balance, etc. are acquired from the host computer 400 of the financial institution as accrued daily total data, and accrued interest data. It may be stored in the receiving work 106a.

(Search condition specification processing)
The search condition designation process will be described with reference to FIG. For example, the screen display control unit 102e activates the accrued interest fluctuation destination search screen as shown in FIG. 6 in response to an operator's instruction, and displays the accrued interest fluctuation destination search screen on the monitor 114. The search condition specifying unit 102b specifies the search condition according to the operation of the operator on the accrued interest fluctuation destination search screen.

The search screen for interest accrued fluctuation destinations shown in FIG. 6 is for searching for the latest record date, store number, customer number, business category, industry code, debtor category, loan balance, fluctuation period from the latest record date, amount of interest accrued, etc. It has an area for inputting conditions, an execute button, an output button, a reselection button, and a back button.

The store number is a search for specifying the range of the store number. The customer number is a single search for the customer number. The business category is selected from corporations, sole proprietors, individuals, and local public bodies. The industry code narrows down the customer's industry. The debtor category is the customer's debtor category. The loan balance is the current balance of the loan. The fluctuation period from the latest reference date is the target period of the fluctuation amount. The accrued interest fluctuation amount is the amount of the accrued interest fluctuation amount.

The execute button is a button for displaying details that match the search conditions at the bottom of the screen when pressed. The output button is a button for outputting data of the search result. The reselection button is a button for canceling the displayed details and returning to the search condition input state again. The back button is a button for returning to the previous screen.

In the example shown in the figure, the search conditions are the latest reference date "2020/3/31", store number "000-999", business category "1: corporation" to "2: sole proprietor", and industry code "000000". "99999", debtor category "2: caution required"-"6: bankruptcy", loan balance "1,000,000 yen or more", fluctuation period from the latest record date "until 2020/4/3" , The amount of interest accrued fluctuation is "50,000 yen or more".

(Aggregation processing and variable destination output processing)
The aggregation process and the variable destination output process will be described with reference to FIGS. 7 and 8. When the operator inputs the search condition in FIG. 6 and presses the execute button, the aggregation unit 102c aggregates the accrued interest daily total data stored in the accrued interest data receiving work 106a for the search condition using the aggregation table 106b. do. The fluctuation destination output unit 102d displays a list of extraction of accrued interest fluctuation destinations, for example, as shown in FIG. 7, which corresponds to the search condition, based on the aggregation result aggregated by the aggregation unit 102c.

In the list of extraction of interest accrued fluctuation destinations shown in Fig. 7, the extraction data of store name, customer name, business type, industry, debtor category, loan balance, accrued interest as of record date, latest accrued interest, and accrued interest fluctuation are available. Is displayed.

The store name displays the store number and the store name. The customer name displays the customer number and the customer name. For the business format, the business format name is displayed. For the type of business, the type of business name is displayed. The debtor category displays the customer's debtor category. The loan balance is the current balance of loans for each customer. The amount of interest accrued as of the record date is the amount of interest accrued as of the most recent closing date. The most recent accrued interest amount is the latest accrued interest amount. The amount of change in accrued interest is the amount of change in the amount of most recent accrued interest from the amount of accrued interest as of the record date.

In the example shown in FIG. 7, the first line is the store name "001 / Chiyoda", the customer name "0000001 / Company A Co., Ltd.", the business format "corporation", the industry "food", the debtor category "need attention", and lending. The balance is "30,918,231", the amount of accrued interest as of the record date is "1,982,534", the latest amount of accrued interest is "2,043,024", and the amount of change in the amount of accrued interest is "60,490".

The second line is the store name "001 / Chiyoda", the customer name "0000002 / B industry", the format "corporation", the industry "paper industry", the debtor category "bankruptcy concern", and the loan balance "11,923". 592 ”, the amount of accrued interest as of the record date“ 1,552,881 ”, the latest amount of accrued interest“ 1,603,223 ”, and the amount of change in the amount of accrued interest“ 50,342 ”.

The third line is the store name "002 / Chuo", the customer name "000010 / Sample Co., Ltd.", the business format "corporation", the industry "service industry", the debtor category "substantial bankruptcy", and the loan balance "20,323,892". , The amount of accrued interest as of the record date "1,723,222", the amount of the latest accrued interest "1,800,001", and the amount of change in the amount of accrued interest "76,779".

With reference to FIG. 8, for the example of the store number “1” and the customer number “0000001”, an example of the data structure of the accrued interest data receiving work 106a, the aggregation table 106b, and the receivable data will be described.

In the example of the accrued interest data receiving work 106a shown in FIG. 8A, the receiving date “2020/4/2”, the customer number “0000001”, the receivable number “0000001”, and the loan item “30 ・ Certificate” are shown in the first line. "Lending", accrued interest amount "1,982,978", acceptance date "20200402", customer number "0000001", receivable number "0000002", loan item "31 bill loan", accrued interest amount "82" , 932 ”, the acceptance date“ 20200403 ”, the customer number“ 0000001 ”, the receivable number“ 0000001 ”, the loan item“ 30 ・ certificate loan ”, and the accrued interest amount“ 2,043,024 ”are stored in the third line. There is.

As shown in FIG. 8B, in the aggregation table 106b, the latest record date, the latest record date accrued interest amount, the latest data acceptance date, and the latest accrued interest are aggregated for each customer number and receivable number. In the example shown in FIG. 8B, in the first line, for the customer number “0000001” and the credit number “0000001”, the latest record date “2020/3/31” and the latest record date accrued interest amount “1,982”. 534 ”, the latest data acceptance date“ 2020/4/3 ”, and the latest accrued interest“ 2,043,024 ”, but the amount of accrued interest fluctuation is“ 50,000 yen or more ”and Figure 8 Since the loan balance (credit amount) shown in (C) is "10,000,000 yen or more", it is displayed in the list of extraction of accrued interest amount fluctuation destinations shown in FIG.

The second line is for the customer number "0000001" and the credit number "0000002", the latest record date "2020/3/31", the latest record date accrued interest amount "82,598", and the latest data acceptance date "2020/4 /". 2 ”, the latest accrued interest is“ 82,965 ”, but the amount of accrued interest fluctuation is not“ 50,000 yen or more ”and the loan balance (credit amount) shown in Fig. 8 (C) is“ 10,000 ”. Since it is not "1,000 yen or more", it is not displayed in the list of extraction of accrued interest amount fluctuation destinations shown in FIG.

As described above, according to the present embodiment, data that acquires the accrued interest daily total data including the receipt date, customer identification information, credit identification information, and accrued interest amount and stores it in the accrued interest data receiving work 106a. The acquisition unit 102a, the search condition specification unit 102b that specifies at least the fluctuation period from the latest reference date and the search condition of the lower limit of the accrued interest fluctuation amount, and the fluctuation period from the latest reference date specified by the search condition specification unit 102b. The lower limit of the accrued interest fluctuation amount specified by the accrued interest fluctuation amount aggregated by the aggregation unit 102c and the aggregation unit 102c, which aggregates the accrued interest daily total data stored in the accrued interest data receiving work 106a and calculates the accrued interest fluctuation amount. Since it is equipped with the above-mentioned customer identification information, credit identification information, and a variable destination output unit 102d that outputs a list of accrued interest fluctuation destinations including the accrued interest fluctuation amount, the fluctuation of the accrued interest amount from the record date. It is possible to efficiently search for fluctuation destinations with a large value.

[4. Other embodiments]
In addition to the above-described embodiments, the present invention may be implemented in various different embodiments within the scope of the technical ideas described in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed may be performed manually, or all the processes described as being performed manually may be performed. Alternatively, a part thereof can be automatically performed by a known method.

In addition, processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each processing, screen examples, and database configurations shown in this specification and drawings are not specified unless otherwise specified. Can be changed arbitrarily.

Further, with respect to the loan support device 100, each component shown in the figure is a functional concept and does not necessarily have to be physically configured as shown in the figure.

For example, with respect to the processing functions included in the loan support device 100, particularly each processing function performed by the control unit 102, all or any part thereof is realized by the CPU and a program interpreted and executed by the CPU. It may be realized as hardware by wired logic. The program is recorded on a non-temporary computer-readable recording medium including a programmed instruction for causing the information processing apparatus to execute the process described in the present embodiment, and the loan support apparatus is required. Read mechanically to 100. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or an HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and cooperates with the CPU to form a control unit.

Further, this computer program may be stored in an application program server connected to the loan support device 100 via an arbitrary network, and all or part of the computer program may be downloaded as needed. be.

Further, the program for executing the process described in the present embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the "recording medium" includes 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), and an EEPROM (registration). Trademarks) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magnet-Optical Disc), MO (Magnet-Optical Disc), DVD (Digital), DVD (Digital) It shall include any "portable physical medium".

Further, the "program" is a data processing method described in any language or description method, regardless of the format such as source code or binary code. The "program" is not necessarily limited to a single program, but is distributed as multiple modules or libraries, or cooperates with a separate program represented by the OS to achieve its function. Including things. It should be noted that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium and the installation procedure after reading in each device shown in the embodiment.

Various databases and the like stored in the storage unit 106 are memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and storage means such as optical disks, and are used for various processes and website provision. Stores programs, tables, databases, files for web pages, etc.

Further, the loan 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 loan support device 100 may be realized by mounting software (including a program or data) that realizes the processing described in the present embodiment on the device.

Furthermore, the specific form of distribution / integration of the device is not limited to the one shown in the figure, and all or part of the device may be functionally or physically in any unit according to various additions or functional loads. It can be distributed and integrated. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

100 Loan support device
102 Control unit
102a Data acquisition unit
102b Search condition specification unit
102c Aggregation section
102d Fluctuation destination output unit
102e Screen display control unit
104 Communication interface section
106 Storage unit
106a Accrued interest data acceptance work
106b summary table
108 Input / output interface section
112 Input device
114 Output device 200 Server 300 Network 400 Financial institution host computer

Claims (5)

It is a loan support device equipped with a storage unit and a control unit.
The control unit
A data acquisition means for acquiring accrued interest daily total data including acceptance date, customer identification information, receivable identification information, and accrued interest amount and storing it in the storage unit.
At least, a search condition specification means that specifies the search conditions for the fluctuation period from the latest record date and the lower limit of the amount of interest accrued.
With respect to the fluctuation period from the latest reference date specified by the search condition designating means, a tabulation means for totaling the accrued interest daily total data stored in the storage unit and calculating the accrued interest fluctuation amount.
A variable destination output means that outputs a list of accrued interest fluctuation destinations including customer identification information, receivable identification information, and accrued interest fluctuation amount in which the accrued interest fluctuation amount aggregated by the aggregation means is equal to or higher than the lower limit of the accrued interest fluctuation amount. When,
A loan support device characterized by being equipped with. The loan support device according to claim 1, wherein the data acquisition means acquires the accrued daily total data from a host computer of a financial institution. The search condition includes the lower limit of the loan balance.
2. The listed loan support device. It is a loan support method executed by an information processing device equipped with a control unit and a storage unit.
Executed by the control unit,
A data acquisition process of acquiring accrued interest daily total data including acceptance date, customer identification information, receivable identification information, and accrued interest amount and storing it in the storage unit.
At least, a search condition specification process that specifies the search conditions for the fluctuation period from the latest record date and the lower limit of the amount of interest accrued fluctuations,
For the fluctuation period from the latest reference date specified in the search condition designation process, the aggregation process of totaling the accrued interest daily total data stored in the storage unit and calculating the accrued interest fluctuation amount, and the aggregation process.
A variable destination output process that outputs a list of accrued interest fluctuation destinations including customer identification information, receivable identification information, and accrued interest fluctuation amount for which the accrued interest fluctuation amount aggregated in the aggregation process is equal to or greater than the lower limit of the accrued interest fluctuation amount. When,
A loan support method characterized by including. It is a loan support program to be executed by an information processing device equipped with a control unit and a storage unit.
In the control unit
A data acquisition process of acquiring accrued interest daily total data including acceptance date, customer identification information, receivable identification information, and accrued interest amount and storing it in the storage unit.
At least, a search condition specification process that specifies the search conditions for the fluctuation period from the latest record date and the lower limit of the amount of interest accrued fluctuations,
For the fluctuation period from the latest reference date specified in the search condition designation process, the aggregation process of totaling the accrued interest daily total data stored in the storage unit and calculating the accrued interest fluctuation amount, and the aggregation process.
A variable destination output process that outputs a list of accrued interest fluctuation destinations including customer identification information, receivable identification information, and accrued interest fluctuation amount for which the accrued interest fluctuation amount aggregated in the aggregation process is equal to or greater than the lower limit of the accrued interest fluctuation amount. When,
Loan support program to run.

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