JP2023014893A - Interest rate at offset management device, interest rate at offset management method, and interest rate at offset management program - Google Patents

Abstract

To provide an interest at offset management device, an interest at offset management method and an interest at offset management program capable of automatically calculating an amount of a reception interest rate or a payment interest rate on the basis of a claim to be an offset candidate and a scheduled settlement date of scheduled payment.SOLUTION: An interest at offset management device acquires an interest rate calculation condition obtained by setting an interest start data and an interest rate, executes offset processing between credit data and debt data, acquires a credit payment interest rate amount for a credit generated by the offset processing and a debt reception interest rate amount for a debt on the basis of the interest rate calculation condition, and acquires an interest rate amount at offset based on a balance amount between the credit payment interest rate amount and the debt reception interest rate amount.SELECTED DRAWING: Figure 1

Description

The present invention relates to an offset interest rate management device, an offset interest rate management method, and an offset interest rate management program.

In Patent Document 1, on either the settlement date of the claim or the settlement date of the liability, whichever is later, interest is added to the difference after offsetting the claims and obligations for the delay in the settlement date based on the difference in the number of days between the two settlement dates. There is disclosed a configuration for executing settlement processing with the added amount.

WO2003/067490

However, in the invention described in Patent Document 1, when the credits and debts are set off before the scheduled settlement date, the interest amount of the credits and debts for the shortened number of days for payment or receipt cannot be calculated. There was a problem.

The present invention has been made in view of the above problems, and the amount of interest received or interest paid can be automatically calculated based on the scheduled settlement date of the claim and scheduled payment that are candidates for offset. An object of the present invention is to provide an interest rate management device, an offset interest rate management method, and an offset interest rate management program.

In order to solve the above-described problems and achieve the object, an interest rate management device for offset according to the present invention is an interest rate management device for offset, comprising a storage unit and a control unit, transaction storage means for storing receivables data set in association with the scheduled collection amount and the scheduled collection date, and debt data set in association with the scheduled payment amount and the scheduled payment date of the debt; An interest calculation condition acquiring means for acquiring an interest calculation condition setting an interest start date and an interest rate; Interest rate acquisition means for offsetting, which acquires the amount of interest paid on the claim and the amount of interest received on the debt, and acquires the amount of interest on offset based on the difference between the amount of interest paid on the claim and the amount of interest received on the debt and

Further, in the offsetting interest rate management apparatus according to the present invention, the offsetting interest rate acquiring means executes the offsetting process of the credit data and the debt data, and calculates the expected collection amount based on the interest calculation conditions. By multiplying the value multiplied by the interest rate by the quotient of the number of days between the scheduled collection date and the interest start date as the dividend and 365 as the divisor, the payment of the claim for the claim generated by the offsetting process By obtaining the interest amount and multiplying the value obtained by multiplying the scheduled payment amount and the interest rate by the quotient obtained by taking the number of days between the scheduled payment date and the interest rate start date as the dividend and 365 as the divisor, It is characterized by obtaining the interest rate received on the debt and obtaining the interest rate at offset based on the difference between the interest rate paid on the debt and the interest rate received on the debt.

In the offset interest rate management apparatus according to the present invention, the interest calculation conditions further include a number of days condition indicating whether the number of days in a month is to be in accordance with the calendar or 30 days. do.

Further, in the offset-time interest rate management device according to the present invention, the offset-time interest rate acquisition means further acquires the difference between the scheduled collection amount and the scheduled payment amount as the balance after offset, and the interest calculation condition further comprises , wherein an offsetting method is set to indicate whether to settle the balance after offsetting including the interest rate at offsetting, or to settle the balance after offsetting and the interest rate at offsetting separately. .

Further, in the offsetting interest rate management device according to the present invention, the offsetting interest rate acquisition means further includes the offsetting method of settling the balance after offsetting including the offsetting interest rate amount in the interest calculation conditions. If there is, an amount obtained by subtracting the amount of interest at the time of offsetting from the balance after offsetting is obtained as the settlement amount.

Further, in the offsetting interest rate management device according to the present invention, the offsetting interest rate obtaining means further sets the offsetting method for separately settling the post-offset balance amount and the offsetting interest rate amount in the interest calculation conditions. and if the settlement date of the balance after netting and the interest rate start date are different, the value obtained by multiplying the balance after netting by the interest rate shall be calculated on the settlement date of the balance after netting and the interest start date. The inter-settlement interest rate is obtained by multiplying the number of days between the two as the dividend and the quotient of 365 as the divisor. It is characterized in that it is acquired as an interest amount.

Further, in the offset-time interest rate management device according to the present invention, the different settlement date interest rate is determined when the balance after offset is the debt balance and the settlement date of the balance after offset is before the interest start date. Alternatively, if the balance after offset is the balance of a claim and the date of settlement of the balance after offset is later than the interest start date, the interest is received.

Further, in the offsetting interest rate management device according to the present invention, the different settlement date interest rate is determined when the balance after offsetting is the debt balance and the settlement date of the balance after offsetting is later than the interest start date. Alternatively, if the balance after offset is the balance of a claim and the settlement date of the balance after offset is before the interest start date, it is the interest payment.

Further, in the offsetting interest rate management device according to the present invention, the offsetting interest rate acquisition means executes the offsetting process of the credit data and the debt data, and based on the interest calculation conditions, the interest rate generated by the offsetting process Acquiring the interest payment amount of the claim and the interest rate received for the obligation, and setting the interest rate adjustment amount for the interest rate paid and/or the interest rate adjustment for the interest rate received by the user. In this case, the difference between the amount of the interest payment on the receivables plus or minus the interest rate adjustment on the receivables and the amount of interest received on the receivables after adding or subtracting the interest rate adjustment on the receivables shall be the interest amount at the time of offsetting. characterized by obtaining

Further, in the interest rate management device for offset according to the present invention, the control unit further comprises offset screen display means for displaying an offset screen showing the interest rate amount for offset.

Further, the interest rate management method for offset according to the present invention is an interest rate management method for offset to be executed by an interest rate management device for offset, which includes a storage unit and a control unit, wherein the storage unit stores a collection schedule of receivables. Transaction storage means for storing receivables data set in association with an amount and a scheduled collection date, and debt data set in association with a scheduled payment amount and a scheduled payment date of a debt, and executed by the control unit; An interest rate calculation condition acquisition step of acquiring an interest rate calculation condition setting an interest rate starting date and an interest rate; An offsetting interest rate acquisition step of acquiring the amount of interest payment on the claim and the amount of interest rate received on the debt, and acquiring the amount of interest rate on offset based on the difference between the amount of interest payment on the claim and the amount of interest rate received on the debt. and

Further, an interest rate management program for offset according to the present invention is an interest rate management program for offset, which is executed by an interest rate management apparatus for offset, which includes a storage unit and a control unit, wherein the storage unit stores a collection schedule of claims transaction storage means for storing credit data set in association with an amount and a scheduled collection date, and debt data set in association with a scheduled payment amount and a scheduled payment date of a debt; an interest calculation condition acquiring step of acquiring an interest calculation condition in which a date and an interest rate are set; and an offsetting process between the credit data and the debt data; an offsetting interest rate acquisition step of acquiring an interest payment amount of a claim and an interest rate received for a debt, and acquiring an interest rate amount offset based on the difference between the interest payment amount of the claim and the interest rate received; is characterized by executing

In the conventional offset processing, there were many cases where each person in charge independently created materials and calculated manually, but according to the present invention, the interest amount can be automatically calculated by allowing the interest rate and offset method to be selected. It has the effect of being able to Further, according to the present invention, since the interest rate can be set for each transaction, there is an effect that automatic calculation can be performed by a calculation method decided for each customer. In addition, according to the present invention, when settling claims and obligations by offsetting, either payment or receipt can be determined based on the starting date of interest calculation, the offset method, the handling method of the number of days, and the setting of the interest rate. It has the effect of being able to execute a series of processes related to judgment, calculation of interest paid/received, accrual of interest, and settlement of interest.

FIG. 1 is a block diagram showing an example of the configuration of the netting interest rate management device in this embodiment. FIG. 2 is a flow chart showing an example of the processing of the interest rate management device for netting in this embodiment. FIG. 3 is a diagram showing an example of an interest calculation condition designation screen in this embodiment. FIG. 4 is a diagram showing an example of the credits and debts offset input screen in this embodiment. FIG. 5 is a diagram showing an example of interest calculation processing in this embodiment. FIG. 6 is a diagram showing an example of interest calculation processing in this embodiment. FIG. 7 is a diagram showing an example of a settlement condition designation screen in this embodiment. FIG. 8 is a diagram showing an example of a settlement condition designation screen in this embodiment. FIG. 9 is a diagram showing an example of a settlement condition designation screen in this embodiment.

An embodiment of the present invention will be described in detail based on the drawings. In addition, this invention is not limited by this embodiment.

[1. overview]
First, the outline of the present invention will be explained.

In the industry of ready-mixed concrete and cement trading companies, there is a high percentage of transactions between the same trades, and there are many cases of offsetting in the exchange of deposits and payments. In many cases, agreements are made, so there are many cases where collection conditions and payment conditions are different and set off together. Due to such circumstances, it is common to exchange interest separately at the same time when exchanging offsets between traders.

However, in conventional offset work, each person in charge often creates their own materials using Excel (registered trademark). Calculation results may change.

Therefore, in this embodiment, based on the information on the scheduled settlement date of the billing/payment schedule, when offsetting (settling) the claim before the original scheduled payment date, and the interest amount equivalent to the shortened number of days received from the other party when the debt is offset (settled) before the original scheduled payment date. there is

[2. Constitution]
An example of the configuration of the netting interest rate management apparatus 100 according to the present embodiment will be described with reference to FIG. FIG. 1 is a block diagram showing an example of the configuration of the netting interest rate management device 100 in this embodiment.

As shown in FIG. 1, the net interest rate management device 100 is a commercially available desktop personal computer. Note that the interest rate management device 100 at offset is not limited to a stationary information processing device such as a desktop personal computer, but may be a commercially available notebook personal computer, PDA (Personal Digital Assistants), a smart phone, a tablet personal computer, or the like. It may be a portable information processing device.

The offset interest rate management apparatus 100 includes a control section 102 , a communication interface section 104 , a storage section 106 and an input/output interface section 108 . Each unit included in interest rate management apparatus 100 at offset is communicably connected via an arbitrary communication path.

Communication interface unit 104 communicably connects interest rate management apparatus 100 to network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with another device via a communication line. Here, the network 300 has a function of connecting the interest rate management device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

An input device 112 and an output device 114 are connected to the input/output interface section 108 . The output device 114 can be a monitor (including a touch panel), a speaker, or a printer. The input device 112 can be a keyboard, a mouse, a microphone, or a monitor that cooperates with the mouse to provide a pointing device function. Note that, hereinafter, the output device 114 may be referred to as the monitor 114 or the printer 114 and the input device 112 may be referred to as the keyboard 112 or the mouse 112 .

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for performing various processes by giving commands to a CPU (Central Processing Unit) in cooperation with an OS (Operating System). As the storage unit 106, for example, memory devices such as RAM (Random Access Memory) and ROM (Read Only Memory), fixed disk devices such as hard disks, flexible disks, and optical disks can be used. The storage unit 106 includes a transaction database 106a.

Transaction database 106a stores transaction data. Here, the transaction database 106a stores receivables data set by linking the scheduled collection amount and scheduled collection date of the receivable, and debt data set by linking the scheduled payment amount and scheduled payment date of the debt. good too. Here, the credit data may be billing data (collection schedule data), and the debt data may be payment schedule data.

The control unit 102 is a CPU or the like that comprehensively controls the interest rate management apparatus 100 at offset. The control unit 102 has an internal memory for storing a control program such as an OS, a program defining various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Run. The control unit 102 functionally and conceptually includes an interest calculation condition acquisition unit 102a, an offset interest rate acquisition unit 102b, and an offset screen display unit 102c.

The interest calculation condition acquisition unit 102a acquires the interest calculation condition in which the interest start date and the interest rate are set. Here, as the interest calculation condition, a number of days condition indicating whether the number of days in a month is according to the calendar or 30 days may be set. Further, the interest calculation condition acquiring unit 102a may acquire the interest calculation condition in which the interest rate is set and the interest rate is set. In addition, the interest calculation conditions are to settle the balance after offset, which is the difference between the scheduled collection amount and the scheduled payment amount, including the interest amount at the time of offset, or to settle the balance after offset and the interest amount at the time of offset separately. An offset method may be set to indicate whether Further, the interest calculation condition acquisition unit 102a may display an interest calculation condition designation screen.

The offsetting interest rate acquisition unit 102b acquires the amount of interest paid on a claim and the amount of interest received on a debt, which are generated by the offset processing of the data on the bond and the data on the debt, and obtains the amount of interest paid on the bond and the amount of interest received on the debt. Obtain the net interest amount based on the difference between Here, the offsetting interest rate acquisition unit 102b executes offsetting processing between the bond data and the debt data, and based on the interest calculation conditions, determines the amount of interest paid on the bond generated by the offsetting processing and the interest rate received on the debt. amount, and obtain an offsetting interest amount based on the difference between the interest payment amount of the receivable and the interest amount of the debt receivable. In addition, the offset interest rate acquisition unit 102b executes offset processing between the bond data and the debt data, and calculates the value obtained by multiplying the scheduled collection amount by the interest rate based on the interest calculation conditions as the scheduled collection date and the interest start date. By multiplying the quotient of the number of days between the dividend and 365 as the divisor, the interest payment amount for the claim resulting from the offsetting process is obtained, and the value obtained by multiplying the scheduled payment amount by the interest rate is the scheduled payment date. By multiplying the quotient of the number of days between the dividend and the interest start date and 365 as the divisor, the interest rate received on the debt is obtained, and the difference between the interest rate paid on the debt and the interest rate received on the debt You may obtain the interest amount at the time of set-off based on Further, the offset-time interest rate acquisition unit 102b may acquire the difference between the scheduled collection amount and the scheduled payment amount as the balance after offset. In addition, if the interest calculation conditions include an offsetting method of settling the interest rate amount after offsetting in the balance after offsetting, the offsetting interest rate acquisition unit 102b settles the amount obtained by subtracting the interest rate amount after offsetting from the balance after offsetting. You can get it as an amount. In addition, if the interest rate calculation conditions set an offset method for separately settling the balance after offset and the interest rate at offset, the interest rate acquisition unit 102b sets the settlement date of the balance after offset and the interest start date is different, the amount obtained by multiplying the balance after offset by the interest rate by the quotient of the number of days between the settlement date of the balance after offset and the interest rate start date as the dividend and 365 as the divisor is the inter-settlement interest rate. and the amount obtained by adding or subtracting the relevant inter-settlement interest rate to the set-off interest rate amount may be obtained as the inter-settlement date interest rate. Here, the interest amount on the different settlement date is the balance after offsetting is the debt balance and the settlement date of the balance after offsetting is before the interest start date, or the balance after offsetting is the credit balance, and If the settlement date of the balance after offset is after the interest calculation date, it may be the interest received. In addition, if the balance after offset is the debt balance and the settlement date of the balance after offset is later than the interest rate start date, or if the balance after offset is the balance of receivables and offset If the settlement date of the remaining balance is before the interest calculation date, it may be the interest payment. In addition, the offsetting interest rate acquisition unit 102b executes offsetting processing of the bond data and the debt data, and based on the interest calculation conditions, determines the amount of interest paid on the bond and the amount of interest received on the debt due to the offsetting processing. and if the user sets the interest rate adjustment amount for the interest payment amount and/or the interest rate adjustment amount for the interest rate received, the interest rate adjustment amount is added or subtracted from the interest payment amount. The difference between the amount and the amount obtained by adding or subtracting the debt interest rate adjustment amount to the debt received interest rate amount may be obtained as the net interest rate amount. Further, the offsetting interest rate acquisition unit 102b may display a screen for inputting the offsetting of credits and liabilities.

The offset screen display unit 102c displays an offset screen showing the amount of interest at offset. Here, the offset screen may include a payment condition designation screen and the like.

[3. Concrete example]
A specific example of the present embodiment will be described with reference to FIGS. 2 to 10. FIG.

[Offset interest rate management process]
Here, with reference to FIG. 2, an example of the offsetting interest rate management process in this embodiment will be described. FIG. 2 is a flow chart showing an example of the processing of the interest rate management device 100 in this embodiment.

As shown in FIG. 2, when the user sets the interest calculation date, the offset method, the number of days condition, and the interest rate on the interest calculation condition specification screen, the interest calculation condition acquisition unit 102a Obtain the interest calculation conditions in which the interest rate is set (step SA-1).

Then, the offsetting interest rate acquisition unit 102b executes offsetting processing between the billing data and the payment schedule data stored in the transaction database 106a, and based on the interest calculation conditions, And, if the interest rate received for the debt is acquired and the user sets the interest rate adjustment amount for the interest rate amount for the receivable payment and/or the interest rate adjustment amount for the interest rate amount received for the receivable on the settlement condition specification screen, the interest rate for the receivable payment The difference between the amount obtained by adding or subtracting the interest rate adjustment amount to the amount and the amount obtained by adding or subtracting the interest rate adjustment amount to the interest received interest amount of the debt is obtained as the interest amount at the time of offset (step SA-2) .

Then, the offset screen display unit 102c displays the scheduled collection amount, the scheduled payment amount, the offset amount, the interest payment amount of the bond, the interest rate received on the debt, the interest rate adjustment amount of the bond, the interest rate adjustment amount of the debt, the interest rate at the time of offset, the balance after offset, and / Alternatively, display the offset screen indicating the settlement amount (step SA-3), and terminate the process.

Here, an example of the interest calculation condition designation screen in this embodiment will be described with reference to FIG. FIG. 3 is a diagram showing an example of an interest calculation condition designation screen in this embodiment.

As shown in FIG. 3, the interest calculation condition specification screen in the present embodiment is a screen for specifying conditions for calculating interest before offset processing is performed. "0: Includes interest" to settle the principal amount including interest, or "1: Separate settlement of principal and interest" to settle the principal amount and interest separately "Offset Method" field to select, "0: Normal" to calculate the number of days in the month according to the calendar, or "1: 30 days calculation" to calculate by treating one month as 30 days, and "Days" field to select, An "interest rate" column may be provided for entering the interest rate agreed upon with the business partner (offset partner).

An example of interest calculation processing in the present embodiment will be described with reference to FIGS. 4 to 6. FIG. FIG. 4 is a diagram showing an example of the credits and debts offset input screen in this embodiment. 5 and 6 are diagrams showing an example of interest calculation processing in this embodiment.

As shown in FIG. 4, in this embodiment, billing data and payment request data for a designated business partner are called up on the credits and debts offset input screen, and the "interest rate start date" designated on the interest calculation condition designation screen is displayed. , 'days' and 'interest rate', interest calculations are simultaneously performed for the scheduled payment data and billing data, and the interest amount is displayed. Here, in the present embodiment, when the interest calculation conditions of "interest rate starting date: 2021/06/30", "number of days: normal", and "interest rate: 1%" are specified, the interest payment interest rate shown in FIG. and the amount of interest received on debt are calculated, and when the interest calculation conditions of "interest start date: 2021/06/30", "number of days: 30 days calculation", and "interest rate: 1%" are specified, as shown in Fig. 6 A receivable interest payment amount and a debt receivable interest amount are calculated. In addition, in the present embodiment, it may be possible to set the fraction processing of interest calculation according to the master amount fraction classification (rounding off, rounding off, or rounding up) (in FIGS. 5 and 6, rounding off ). Also, in this embodiment, if the payment method or collection method is a bill, the due date of the bill may be used for calculating the number of days.

Also, an example of the payment condition designation screen in this embodiment will be described with reference to FIGS. 7 to 9. FIG. FIGS. 7 to 9 are diagrams showing examples of payment condition designation screens according to the present embodiment.

As shown in FIG. 7, in the settlement condition designation screen in this embodiment, when the user designates "setoff method: including interest" as the interest calculation condition on the interest calculation condition designation screen, the final calculation Receivable balance, set-off interest rate, and settlement amount are displayed. Here, in the settlement condition designation screen in this embodiment, the date of payment or collection of the difference after offsetting may be specified in the "settlement date" column, and the payment method when the debt remains after offsetting Alternatively, if the receivable remains after setoff, the collection method may be specified in the "means" column, and if the "means" is a bill, the bill site can be specified in the "bill site" column. In addition, the due date of the bill may be specified in the "due date of bill" column. Further, as shown in FIG. 7, the settlement amount in this embodiment may be the amount obtained by subtracting the interest amount from the difference between the credit and the debt. )−interest paid (10,519)=settlement amount (1,989,481)”.

In addition, as shown in FIG. 8, on the settlement condition designation screen in the present embodiment, the user can set "setoff method: main body/interest rate division settlement" and "number of days: normal" as interest calculation conditions on the interest calculation condition designation screen. is specified, the principal amount (receivable balance) and the interest amount are displayed separately. In addition, as shown in the settlement condition designation screen of FIG. Interest rate (1%) x (31 days/365 days) = 1,699 yen", and the user enters an adjustment amount in the "Interest rate adjustment" column, (10,519 yen) - Settlement interim interest rate (1,699 yen) + Interest rate adjustment amount (1 yen) = 8,817 yen .

Further, as shown in FIG. 9, on the settlement condition designation screen in the present embodiment, the user can specify the interest calculation conditions as the interest calculation conditions: "setoff method: main body/interest rate division settlement" and "number of days: 30-day calculation". If specified on the screen, the principal amount (receivable balance amount) and the interest amount are separately displayed when one month is 30 days.

[4. Contribution to the Sustainable Development Goals (SDGs) led by the United Nations]
Since this embodiment can contribute to improving operational efficiency and promoting appropriate management decisions of companies, it is possible to contribute to Goals 8 and 9 of the SDGs.

In addition, the present embodiment can contribute to the reduction of disposal loss and the promotion of paperless and computerization.

In addition, since this embodiment can contribute to strengthening control and governance, it is possible to contribute to Goal 16 of the SDGs.

[5. Other embodiments]
The present invention may be implemented in various different embodiments other than the embodiments described above within the scope of the technical idea described in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed can be manually performed, or all of the processes described as being manually performed Alternatively, some can be done automatically by known methods.

In addition, unless otherwise specified, the processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed arbitrarily.

Further, regarding the interest rate management apparatus 100 at offset, each illustrated component is functionally conceptual, and does not necessarily need to be physically configured as illustrated.

For example, all or any part of the processing functions provided by the interest rate management device 100, especially each processing function performed by the control unit 102, is realized by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be implemented as hardware by wired logic. In addition, the program is recorded on a non-temporary computer-readable recording medium containing programmed instructions for causing the information processing apparatus to execute the processing described in the present embodiment. It is mechanically read by the management device 100 . That is, a storage unit such as a ROM or HDD (Hard Disk Drive) stores a computer program for giving commands to the CPU in cooperation with the OS to perform various processes. This computer program is executed by being loaded into the RAM and constitutes a control section in cooperation with the CPU.

In addition, this computer program may be stored in an application program server connected to the net interest rate management apparatus 100 via any network, and may be downloaded in whole or in part as necessary. It is possible.

Also, the program for executing the processing described in this embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the term "recording medium" refers to memory cards, USB (Universal Serial Bus) memories, SD (Secure Digital) cards, flexible disks, magneto-optical disks, ROMs, EPROMs (Erasable Programmable Read Only Memory), EEPROMs (registered (trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVD (Digital Versatile Disk), and Disc (registered trademark) such as Blu- shall include any "portable physical medium".

A "program" is a data processing method written in any language or writing method, regardless of the format such as source code or binary code. In addition, the "program" is not necessarily limited to a single configuration, 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 in each device shown in the present embodiment, the installation procedure after reading, and the like.

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

Further, the net interest rate management 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 any peripheral device is connected. Further, the net interest rate management device 100 may be realized by installing software (including programs, data, etc.) for realizing the processing described in the present embodiment in the device.

Furthermore, the specific forms of distribution and integration of devices are not limited to those shown in the figures, and all or part of them can be functionally or physically arranged in arbitrary units according to various additions or functional loads. It can be distributed and integrated. In other words, the embodiments described above may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

The present invention is useful in industries such as the trading company industry, where interest calculation is often required, and the wholesale industry of ready-mixed concrete, cement, etc., where there are many set-offs of credits and debts due to fees charged to each customer and supplier. Useful.

100 offset interest rate management device 102 control unit 102a interest calculation condition acquisition unit 102b offset interest rate acquisition unit 102c offset screen display unit 104 communication interface unit 106 storage unit 106a transaction database 108 input/output interface unit 112 input device 114 output device 200 server 300 network

Claims (12)

A set-off interest rate management device comprising a storage unit and a control unit,
The storage unit
Transaction storage means for storing receivable data set in association with the scheduled collection amount and scheduled collection date of the receivable and debt data set in association with the scheduled payment amount and scheduled payment date of the debt;
with
The control unit
an interest calculation condition acquisition means for acquiring interest calculation conditions in which the interest rate is set and the interest rate is set;
Execute offset processing of the credit data and the debt data, acquire the interest payment amount of the credit and the interest rate received of the debt, which are generated by the offset processing based on the interest calculation conditions, and offsetting interest rate acquisition means for acquiring an offsetting interest rate amount based on the difference between the amount of interest paid on the claim and the amount of interest received on the debt;
An offset interest rate management device comprising: The offsetting interest rate acquisition means is
executing the offsetting process of the receivables data and the debt data, and based on the interest calculation conditions, multiplying the expected collection amount by the interest rate between the scheduled collection date and the interest start date By multiplying the quotient of the number of days of the dividend and the divisor of 365, the interest payment amount for the claim resulting from the offsetting process is obtained, and the value obtained by multiplying the scheduled payment amount by the interest rate is By multiplying the quotient of the number of days between the scheduled payment date and the interest rate start date as the dividend and 365 as the divisor, the amount of interest received on the debt is obtained, and the amount of interest paid on the debt and the debt received. 2. The offsetting interest rate management device according to claim 1, wherein the offsetting interest rate amount is obtained based on a difference from the interest rate amount. The interest calculation conditions are
3. The offset-time interest rate management apparatus according to claim 1, further comprising a number of days condition indicating whether the number of days in a month is set according to the calendar or 30 days. The offsetting interest rate acquisition means is
Furthermore, the difference between the scheduled collection amount and the scheduled payment amount is acquired as the balance after offset,
The interest calculation conditions are
Furthermore, an offsetting method is set to indicate whether to settle the balance after offsetting including the interest rate at offsetting, or to settle the balance after offsetting and the interest rate at offsetting separately. 4. The net interest rate management device according to any one of claims 1 to 3. The offsetting interest rate acquisition means is
Furthermore, if the interest calculation conditions include the offsetting method that settles the balance after offsetting including the interest rate at offsetting, the settlement amount is the amount obtained by subtracting the interest rate at offsetting from the balance after offsetting. 5. The netting interest rate management apparatus according to claim 4, wherein the interest rate management device for set-off is obtained. The offsetting interest rate acquisition means is
Furthermore, when the offset method for separately settling the balance after offset and the interest rate at offset is set in the interest calculation conditions, and the settlement date of the balance after offset and the interest start date are different In this case, the amount obtained by multiplying the value obtained by multiplying the balance after offset by the interest rate by the quotient of the number of days between the settlement date of the balance after offset and the date on which the interest rate is calculated is the dividend and 365 is the divisor. 6. The interest rate at offset according to claim 4 or 5, wherein the amount obtained by adding or subtracting the inter-settlement interest rate to the interest rate at offset is obtained as the interest rate at different settlement date. management device. The different settlement date interest rate is
If the balance after offset is the balance of obligations and the settlement date of the balance after offset is before the interest rate start date, or if the balance after offset is the balance of claims and settlement of the balance after offset 7. The offset interest rate management device according to claim 6, wherein when the date is after the interest rate start date, the interest rate is received interest. The different settlement date interest rate is
If the balance after offset is the balance of debt and the settlement date of the balance after offset is later than the interest rate start date, or if the balance after offset is the balance of claims and settlement of the balance after offset 7. The offset interest rate management device according to claim 6, wherein if the date is before the interest rate start date, the interest rate is the interest payment. The offsetting interest rate acquisition means is
executing the offset processing of the credit data and the debt data, and acquiring the interest payment amount of the credit and the interest rate received of the debt generated by the offset processing based on the interest calculation conditions; When the user sets the interest rate adjustment amount for the interest payment amount and/or the interest rate adjustment amount for the interest rate received, the amount obtained by adding or subtracting the interest rate adjustment amount from the interest payment amount and an amount obtained by adding or subtracting the debt interest rate adjustment amount to the debt received interest rate amount and acquiring the difference as the offsetting interest rate amount. The control unit
offset screen display means for displaying an offset screen showing the amount of interest at offset;
10. The offsetting interest rate management device according to any one of claims 1 to 9, further comprising: An offsetting interest rate management method to be executed by an offsetting interest rate management apparatus comprising a storage unit and a control unit,
The storage unit
Transaction storage means for storing receivable data set in association with the scheduled collection amount and scheduled collection date of the receivable and debt data set in association with the scheduled payment amount and scheduled payment date of the debt;
with
to be executed by the control unit;
an interest calculation condition acquisition step for acquiring the interest calculation conditions in which the interest start date and the interest rate are set;
Execute offset processing of the credit data and the debt data, acquire the interest payment amount of the credit and the interest rate received of the debt, which are generated by the offset processing based on the interest calculation conditions, and an offsetting interest rate acquisition step of acquiring an offsetting interest rate amount based on the difference between the interest payment amount of the claim and the interest rate amount of the debt received;
An offsetting interest rate management method comprising: An offsetting interest rate management program to be executed by an offsetting interest rate management device comprising a storage unit and a control unit,
The storage unit
Transaction storage means for storing receivable data set in association with the scheduled collection amount and scheduled collection date of the receivable and debt data set in association with the scheduled payment amount and scheduled payment date of the debt;
with
In the control unit,
an interest calculation condition acquisition step for acquiring the interest calculation conditions in which the interest start date and the interest rate are set;
Execute offset processing of the credit data and the debt data, acquire the interest payment amount of the credit and the interest rate received of the debt, which are generated by the offset processing based on the interest calculation conditions, and an offsetting interest rate acquisition step of acquiring an offsetting interest rate amount based on the difference between the interest payment amount of the claim and the interest rate amount of the debt received;
Offset interest rate management program for executing

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