JP2023141028A - Financing management device, financing management method and financing management program - Google Patents

Abstract

To provide a financing management device, a financing management method and a financing management program which enable reducing a work load by, when a customer who contracts one or a plurality of debts is in arrears, automatically performs dummy full payment processing for each debt by registering a settlement agreement.SOLUTION: A financing management device having a control part is accessible to credit information data, repayment schedule information data, and transaction information data. The control part comprises credit information data creating means, repayment schedule information data creating means, and transaction information acquiring means. The credit information data creating means, when debts are in arrears, creates credit information data in which one or a plurality of credits of a customer are combined into one, the repayment schedule information data creating means creates repayment schedule information data on the credit information data combined into one, and the transaction information acquiring means creates transaction information data obtained by settlement processing of the plurality of debts in arrears.SELECTED DRAWING: Figure 1

Description

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

When a customer purchases a product using credit or installment payments, a receivable is generated for each purchase, and each receivable is registered in the system. If a payment is delayed, a settlement is made with the customer to adjust the payment amount and cycle, but rather than a settlement on a credit-by-receivable basis, a new contract is renewed on a customer-by-customer basis. In the conventional system, when recontracting a customer with multiple receivables through settlement, the operator would have to perform a dummy payment process for each receivable and then re-register a new recontract, which would complicate the process. I had a problem. In addition, it is necessary to report balance information, etc. for each receivable to an external credit institution, but due to the dummy payment processing due to settlement, the linkage of external credit information for the receivable is interrupted, so it is necessary to respond individually. Ta.

The patent relates to a method for managing delinquent receivables, which includes a plurality of user terminal devices, a server that communicates with the plurality of user terminal devices via a network, and a center that has a business processing department that performs operations related to delinquent receivables, based on delinquent data. A delinquent debt management method has been disclosed that performs business processes such as dunning calls, registers payment data, and erases delinquent data (for example, see Patent Document 1).

Japanese Patent Application Publication No. 2001-282994

However, Patent Document 1 does not perform dummy payment processing for debts when a settlement agreement is concluded due to arrears.

The present invention has been made in view of the above, and reduces the workload by automatically performing dummy payment processing for each receivable by registering a settlement agreement when a customer with multiple receivables is in arrears. The purpose of the present invention is to provide a loan management device, a loan management method, and a loan management program.

In order to solve the above-mentioned problems and achieve the purpose, a loan management device according to the present invention is a loan management device including a control unit, and the loan management device includes a loan number, a loan number, a loan number, and a loan number for one or more loans contracted by the same customer. Receivable information data that stores data including product name, contract date, rebuilding amount, and monthly payment amount; repayment schedule information data that includes payment date and monthly payment amount set for each receivable; and customer information regarding the receivable. and transaction information data including payment information, and the control unit includes a debt information data creation means that creates the debt information data based on input from an operator, and a debt information data creation means that creates the debt information data for each debt based on the debt information data. repayment schedule information data creation means for creating the repayment schedule information data; and transaction information acquisition means for acquiring payment information from the customer and creating the transaction information data, the debt information data creation means , when delinquency of the receivables occurs, the repayment schedule information data creating means creates receivable information data that compiles one or more receivables of the customer into one, The present invention is characterized in that the repayment schedule information data of the data is created, and the transaction information acquisition means creates transaction information data for processing a plurality of delinquent debts as settlement processing.

Further, the loan management device according to the present invention includes a report data creation means for creating external credit agency report data for reporting to an external credit agency regarding the customer's payment for each receivable, and the report data creation means includes the After the debt information data creation means creates debt information data based on settlement, it creates external credit agency report data indicating that one or more delinquent debts will be transferred to a newly contracted debt, and reports it to the external credit agency. It is characterized by

Further, the loan management method according to the present invention is a loan management method executed by a loan management device including a control unit, in which the loan number, product name, contract date, , receivables information data that stores data including the rebuilding amount and monthly payment amount, repayment schedule information data that includes the payment date and monthly payment amount set for each receivable, and transactions that include customer payment information regarding the receivable. information data and external credit agency report data for reporting on the customer's payment for each of the receivables to an external credit institution, and the control unit creates the receivable information data based on input from an operator. a repayment schedule information data creation step of creating the repayment schedule information data for each receivable based on the receivable information data; a repayment schedule information data creation step of acquiring payment information from the customer and converting the transaction information data into the repayment schedule information data; a step of acquiring transaction information to be created, a step of creating settlement contract information to create debt information data that compiles one or more debts of the customer into one if the debt is in arrears; The present invention is characterized in that it includes a settlement repayment information creation step of creating repayment schedule information data for the received debt information data, and a settlement information processing step of creating transaction information data for subjecting a plurality of delinquent debts to settlement processing.

Further, the loan management program according to the present invention is a loan management program executed by a loan management device including a control unit, and the loan management program is a loan management program that is executed by a loan management device including a control unit, and the loan management program includes a loan number, a product name, a contract date, , receivables information data that stores data including the rebuilding amount and monthly payment amount, repayment schedule information data that includes the payment date and monthly payment amount set for each receivable, and transactions that include customer payment information regarding the receivable. information data, and the control unit includes a debt information data creation step of creating the debt information data based on an input from an operator, and a debt information data creation step of creating the debt information data based on the debt information data, and the repayment schedule information for each debt based on the debt information data. a repayment schedule information data creation step for creating data; a transaction information acquisition step for acquiring deposit information from the customer and creating the transaction information data; a settlement agreement information creation step for creating debt information data that combines multiple debts into one; a settlement repayment information creation step for creating repayment schedule information data for the debt information data that has been consolidated into one; A settlement information processing step of creating transaction information data for subjecting claims to settlement processing is performed by a computer.

According to the present invention, when a customer contracting for one or more receivables falls into arrears, the work load can be reduced by automatically performing dummy payment processing for each receivable by registering a settlement agreement. play.

FIG. 1 is a diagram showing an example of the configuration of a loan management device according to the present embodiment. FIG. 2 is a diagram showing an example of the debt information data 106a. FIG. 3 is a diagram showing an example of the repayment schedule information data 106b. FIG. 4 is a diagram showing an example of transaction information data 106c. FIG. 5 is a diagram showing an example of external credit institution report data 106d. FIG. 6 is a diagram showing an example of external credit institution report data 106d' when a delinquency occurs. FIG. 7 is a diagram illustrating the flow of reconciliation processing according to the conventional method. FIG. 8 is a diagram showing an example of debt information data 106a' and repayment schedule information data 106b' in the case where a settlement has been made. FIG. 9 is a diagram illustrating an example of transaction information data 106c' when a settlement has been made. FIG. 10 is a diagram illustrating an example of external credit institution report data 106d when a settlement has been made. FIG. 11 is a diagram showing an example of the settlement process registration screen MA. FIG. 12 is a diagram showing an example of the payment schedule registration screen MB for settlement processing.

DESCRIPTION OF EMBODIMENTS Below, embodiments of a loan management device, a loan management method, and a loan management program according to the present invention will be described in detail based on the drawings. Note that the present invention is not limited to this embodiment.

[1. composition]
An example of the configuration of the loan management device according to this embodiment will be described with reference to FIG. 1 and the like. FIG. 1 is a diagram showing an example of the configuration of a loan management device 100 according to the present embodiment.

The loan management device 100 is constructed based on a commercially available desktop personal computer. Note that the loan management device 100 is not limited to one built based on a stationary information processing device such as a desktop personal computer, but may also be a commercially available notebook personal computer, a PDA (Personal Digital Assistant), a smartphone, or a tablet personal computer. It may be constructed based on a portable information processing device such as.

The loan management device 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 the loan management device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicably connects the loan management device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of connecting the loan management device 100 and the server device 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). Note that the data stored in the storage unit 106 may be stored in the server device 200, for example.

An input device 400 and an output device 500 are connected to the input/output interface section 108. As the output device 500, in addition to a monitor (including a home television), a speaker or a printer can be used. As the input device 400, in addition to a keyboard, a mouse, and a microphone, a monitor that cooperates with the mouse to realize a pointing device function can be used. In addition, below, the output device 500 may be described as a monitor 500, and the input device 400 may be described as a keyboard 400 or a mouse 400.

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

The storage unit 106 stores, for example, debt information data 106a, repayment schedule information data 106b, transaction information data 106c, external credit institution report data 106d, and the like.

As shown in FIG. 2, the debt information data 106a stores information such as a debt number, product, contract date, advance amount, monthly payment amount, first payment date, etc. in association with a customer number.

As shown in FIG. 3, the repayment schedule information data 106b stores repayment schedule information such as payment date and monthly payment amount in association with each receivable by customer number.

As shown in FIG. 4, the transaction information data 106c stores transaction information such as bond number, transaction date (deposit date), deposit amount, receivable balance, and payment classification in association with the customer number. .

As shown in FIG. 5, the external credit institution report data 106d includes report data such as receivable number, report date, contract management classification, payment classification, billing amount, deposit amount, and receivable balance by customer number. stored in association.

The control unit 102 is a CPU or the like that controls the loan management device 100 in an integrated manner. The control unit 102 has an internal memory for storing control programs such as an OS, programs specifying various processing procedures, required data, etc., and performs various information processing based on these stored programs. Execute.

The control unit 102 functionally includes a debt information data creation unit 102a, a repayment schedule information data creation unit 102b, a transaction information acquisition unit 102c, a report data creation unit 102d, and the like.

The receivables information data creation unit 102a creates receivables information data 106a that includes information such as receivables number, product, contract date, advance amount, monthly payment amount, first payment date, etc. based on the receivables contract with the customer. . Furthermore, when a debt delinquency occurs, the debt information data creation unit 102a creates debt information data 106a' (see FIG. 7) based on a settlement agreement that combines one or more customer debts into one.

The repayment schedule information data creation unit 102b creates repayment schedule information data 106b including information regarding the repayment schedule of the receivable, ie, payment date, monthly payment amount, and the like. Further, after the debt information data creation unit 102a creates new debt information data 106a' due to settlement, the repayment schedule information data creation unit 102b generates repayment schedule information data 106b' of the debt information data 106a' that has been compiled into one. (See Figure 8).

The transaction information acquisition unit 102c acquires deposit information from customers regarding receivables, and creates transaction information data 106c based on the acquired deposit information. In addition, after the debt information data creation unit 102a creates new debt information data 106a' due to settlement, the transaction information acquisition unit 102c generates transaction information data 106c' (see FIG. 8).

The report data creation unit 102d creates external credit institution report data 106d for reporting to the external credit institution regarding the customer's payment of the receivable, and reports the data to the external credit institution by e-mail or the like. In addition, after the debt information data creation unit 102a creates settlement debt information data 106a', the report data creation unit 102d reports to an external credit institution that one or more delinquent debts will be transferred to newly contracted debts. Data 106d' (see FIG. 9) is created and reported to an external credit institution.

[2. process]
Here, specific examples of processing executed by the loan management device 100 will be described with reference to FIGS. 2 to 12.

When a customer enters into a debt contract, for example, a credit contract for a product on credit or an installment purchase, debt information data 106a is registered for each debt. The debt information data 106a is stored with respect to one or more debts contracted by the same customer, linked by a customer number or the like. For example, as shown in FIG. 2 as an example, the debt information data 106a is stored with respect to debts 100-0, 100-1, and 100-2 of the same customer, linked by the customer number 100.

When a debt contract is concluded with a customer, repayment schedule information data 106b is created and stored for each debt, as shown in FIG. The repayment schedule information data 106b consists of the receivable number, payment date, monthly payment amount, etc., and the repayment schedule information data 106b-0, 106b- of the receivables 100-0, 100-1, 100-2 of the same customer depending on the customer number. 1 and 106b-2 are stored in association with the customer number 100.

When the monthly payment amount is received from the customer on the payment date for the receivables 100-0, 100-1, and 100-2, transaction information data 106c is created and updated for the new payment, as shown in FIG. . In the transaction information data 106c, the balance of receivables is updated each time the monthly payment amount is deposited. Further, for debts with remaining debt balances, "100", which indicates that the transaction is in progress, is automatically entered in the completed classification.

Further, for each receivable, external credit agency report data 106d as shown in FIG. 5 is created and updated in order to report receivable information such as the outstanding amount of receivables to the external credit agency on a monthly basis. The external credit institution report data 106d is updated with the billed amount, received amount, and debt balance at the time of reporting based on the transaction information data 106c. If the deposited amount matches the billed amount, "$", which indicates a full deposit, is automatically entered as the deposit category.

If the customer makes monthly payments, transaction information data 106c and external credit agency report data 106d are created and updated every month. On the other hand, if the payment is delayed and becomes overdue, external credit institution report data 106d' as shown in FIG. 6 is created. In the case of delinquency, the deposited amount will be 0 and the deposit category will be entered as "A", which indicates that the payment has not yet been made.

Conventionally, when arrears occur, the created external credit agency report data 106d' is not sent to the external credit agency, and the work of creating and reporting data for reporting separately outside the system has been done. Ta. Further, as shown in FIG. 7, the operator creates transaction information data 106c'' for each receivable, in which the receivable balance is set to 0 and dummy deposit processing is performed, in which it is assumed that a dummy deposit has been made. Furthermore, when a settlement process is performed with the customer, debt information data 106a'' with a new debt number is registered, and repayment schedule information data 106c'' is created based on the debt information data 106a''. If the customer who is in arrears has contracts for multiple receivables as shown in FIG. 7, it is necessary to create transaction information data 106c'' for each receivable, which increases the workload. Furthermore, it is also necessary to create and report data to the external credit institution that dummy deposit processing will be performed on receivables 100-0, 100-1, and 100-2 due to delinquency, and that the receivables will be transferred to receivable 100-3.

In this embodiment, when a debt is in arrears and a settlement agreement is concluded, inputs are made to the settlement processing registration screen MA, an example of which is shown in FIGS. 11 and 12, and the payment schedule registration screen MB, an example of which is shown in FIG. 8. Receivables information data 106a' and repayment schedule information data 106b' based on the settlement are created, and subsequently, transaction information data 106c' shown in FIG. 9 is automatically created. In the transaction information data 106c' for settlement, no dummy deposit processing is performed, the deposited amount is 0, the balance of debt is 0, and the payment classification is 300 for settlement.

In addition, the external credit agency report data 106d' that is created includes, as an example shown in FIG. -3 data will be generated and reported. In the external credit institution report data 106d', for receivables 100-0, 100-1, and 100-2, the receivable balance is 0, the completion comment is "73" indicating that the transfer has been completed, and receivable 100-3 is entered as the contract management classification. By inputting "21", which is the transferred claim, it is made clear that the claims 100-0, 100-1, and 100-2 have been transferred to the settled claim 100-3.

As described above, according to the present embodiment, when a debt becomes delinquent and the debt information data 106a' and the repayment schedule information data 106b' due to settlement are created, transaction information automatically causes the delinquent debt to be processed for settlement. Information data 106c' is created. In addition, the external credit agency report data 106d' is transferred to a new debt for a delinquent debt and is reported together with information on the settled debt, making it possible to significantly reduce the workload.

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

Furthermore, this embodiment can contribute to reducing waste loss and promoting paperless and electronic systems, making it possible to contribute to Goals 12, 13, and 15 of the SDGs.

Furthermore, this embodiment can contribute to strengthening control and governance, making it possible to contribute to Goal 16 of the SDGs.

[4. Other embodiments]
In addition to the embodiments described above, the present invention may be implemented in various different embodiments 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 performed automatically can be performed manually, or all of the processes described as being performed manually can be performed manually. Alternatively, some of the steps can be performed automatically using known methods.

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

Further, regarding the loan management device 100, each illustrated component is functionally conceptual, and does not necessarily need to be physically configured as illustrated.

For example, the processing functions provided in the loan management device 100, especially each processing function performed by the control unit, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be implemented as hardware using wired logic. Note that the program is recorded on a non-temporary computer-readable recording medium that includes programmed instructions for causing the information processing device to execute the processing described in this embodiment, and the program is Machine read to 100. That is, a storage unit such as a ROM or an HDD (Hard Disk Drive) stores a computer program that cooperates with an OS to give instructions to a CPU and perform various processes. This computer program is executed by being loaded into the RAM, and constitutes a control unit in cooperation with the CPU.

Further, this computer program may be stored in an application program server connected to the loan management device 100 via an arbitrary network, and it is also possible to download all or part of it as necessary. be.

Further, a 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, this "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), an EE PROM (registration Trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk) ), DVD (Digital Versatile Disk), Blu-ray (registered trademark) Disc, etc. shall include any “portable physical medium”.

Further, a "program" is a data processing method written in any language or writing method, and does not matter in the form of source code or binary code. Note that a "program" is not necessarily limited to a unitary structure, but may be distributed as multiple modules or libraries, or may work together with separate programs such as an OS to achieve its functions. Including things. Note 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 embodiments, and the installation procedure after reading.

The various databases stored in the storage unit are storage devices 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 processing and website provision. Stores programs, tables, databases, web page files, etc.

Further, the loan 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 loan management device 100 may be realized by installing software (including programs, data, etc.) that causes the device to realize the processing described in this embodiment.

Furthermore, the specific form of dispersion and integration of devices is not limited to what is shown in the diagram, and all or part of them can be functionally or physically divided into arbitrary units according to various additions or functional loads. It can be configured in a distributed/integrated manner. That is, the embodiments described above may be implemented in any combination, or the embodiments may be implemented selectively.

The present invention is particularly useful in loan management in the real estate industry.

100 Loan management device 102 Control unit 102a Receivables information data creation unit 102b Repayment schedule information data creation unit 102c Transaction information acquisition unit 102d Report data creation unit 104 Communication interface unit 106 Storage unit 106a Receivables information data 106b Repayment schedule information data 106c Transaction information data 106d External credit agency report data 108 Input/output interface section 200 Server 300 Network 400 Input device 500 Output device

Claims (4)

A loan management device comprising a control unit,
Receivable information data that stores data including receivable number, product name, contract date, rebuilding amount, and monthly payment amount regarding one or more receivables contracted by the same customer;
Repayment schedule information data including the payment date and monthly payment amount set for each receivable;
transaction information data including customer payment information for the receivable;
is accessible to
The control unit includes:
debt information data creation means for creating the debt information data based on input from an operator;
Repayment schedule information data creation means for creating the repayment schedule information data for each debt based on the debt information data;
transaction information acquisition means for acquiring deposit information from the customer and creating the transaction information data;
Equipped with
The receivable information data creation means creates receivable information data that compiles one or more receivables of the customer into one when the receivable is in arrears;
The repayment schedule information data creation means creates repayment schedule information data of the debt information data compiled into one,
The loan management device is characterized in that the transaction information acquisition means creates transaction information data for processing a plurality of delinquent receivables in a settlement process. comprising a report data creation means for creating external credit agency report data for reporting to an external credit agency regarding the customer's payment for each receivable;
The report data creation means creates external credit agency report data indicating that one or more delinquent claims will be transferred to a newly contracted claim after the claim information data creation means creates the claim information data based on settlement. , the loan management device according to claim 1, wherein the loan management device reports to the external credit institution. A loan management method executed by a loan management device including a control unit, the method comprising:
Receivables information data that stores data including receivable number, product name, contract date, rebuilding amount, and monthly payment amount regarding one or more receivables contracted by the same customer;
Repayment schedule information data including the payment date and monthly payment amount set for each receivable;
transaction information data including customer payment information for the receivable;
external credit agency reporting data for reporting on the customer's payments for each of the receivables to the external credit agency;
is accessible to
The control unit includes:
a debt information data creation step of creating the debt information data based on operator input;
a repayment schedule information data creation step of creating the repayment schedule information data for each debt based on the debt information data;
a transaction information acquisition step of acquiring payment information from the customer and creating the transaction information data;
a settlement contract information creation step of creating debt information data that compiles one or more of the customer's debts into one when the debt is in arrears;
a settlement repayment information creation step of creating repayment schedule information data of the debt information data compiled into one;
a deemed full payment information processing step for creating transaction information data for settlement processing of multiple delinquent debts;
including;
A loan management method characterized by: A loan management program executed by a loan management device including a control unit,
Receivables information data that stores data including receivable number, product name, contract date, rebuilding amount, and monthly payment amount regarding one or more receivables contracted by the same customer;
Repayment schedule information data including the payment date and monthly payment amount set for each receivable;
transaction information data including customer payment information for the receivable;
is accessible to
The control unit includes:
a debt information data creation step of creating the debt information data based on operator input;
a repayment schedule information data creation step of creating the repayment schedule information data for each debt based on the debt information data;
a transaction information acquisition step of acquiring payment information from the customer and creating the transaction information data;
a settlement agreement information creation step of creating debt information data that compiles one or more of the customer's debts into one when the debt is in arrears;
a settlement repayment information creation step of creating repayment schedule information data of the debt information data compiled into one;
a settlement information processing step of creating transaction information data for treating multiple delinquent debts as being fully paid;
A loan management program that runs on a computer.

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