JP7200025B2 - Claims management device, claims management method, and claims management program - Google Patents

Description

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

Patent Document 1 relates to a system for supporting payment and settlement of construction-related expenses (paragraph [0001]), and classifies construction such as housing and construction into each construction completion stage (n stages) (paragraph [0002] and FIG. 3) A technique (FIG. 8, S82) is disclosed for accumulating the construction costs for each construction contractor classified by the number of construction completion stages. According to the technique described in Patent Document 1, construction-related parties such as the main contractor and cooperating companies (subcontractors) involved in the construction can pay the construction-related costs according to the progress of the construction. . Similarly, the client who ordered the construction work can also pay construction-related costs according to the progress of the construction work (see paragraph [0003] of Patent Document 1).

JP-A-2003-76744

However, in the technique described in Patent Document 1, when the client pays the construction-related costs by receiving a loan for the intermediate construction cost (so-called "bridge loan") from a financial institution, etc., it is possible to make early repayment or extend the repayment date. It does not take into account that the repayment amount, including the interest rate, will fluctuate if requested to a financial institution. Therefore, even if a financial institution or the like can grasp the construction amount calculated for each construction completion stage by the technology described in Patent Document 1, the repayment schedule of the client (i.e., the debtor) who is the borrower of the loan cannot be changed. There is a problem that it takes time and effort to recalculate the real interest rate for each loan (individual credit) each time the construction is completed.

Also, even if the real interest rate for each individual loan can be ascertained by recalculation, the real interest rate for the hypothetical claim (comprehensive claim) if the fees, etc. related to the multiple loan funds and scheduled returns are temporarily put together. , may exceed the statutory maximum interest rate or the maximum interest rate set independently by the financial institution. For this reason, financial institutions, etc. must not only recalculate the real interest rates of individual claims, but must also subsequently calculate the real interest rates of comprehensive claims, which is troublesome. Furthermore, if the calculation results show that the real interest rate on the comprehensive bond exceeds the maximum interest rate, consideration must be given to reducing the fee, etc., and the above problem becomes even more pronounced.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a claim management device, a claim management method, and a claim management program capable of reducing the user's trouble in managing a plurality of claims. With the goal.

In order to solve the above-described problems and achieve the object, a claim management device according to the present invention is a claim management device comprising a control unit for managing a plurality of claims, wherein the control unit comprises a plurality of interest rate calculation means for calculating an individual real interest rate for each of the individual claims, wherein the interest rate calculation means calculates, for a plurality of individual claims with the same repayment date for a single obligor, the number of days remaining until the set repayment date Accordingly, the comprehensive real interest rate of the comprehensive claim composed of the plurality of individual claims is calculated.

Further, in the claim management apparatus according to the present invention, the interest rate calculation means selects individual claim data concerning a plurality of individual claims having the same repayment date from a list of individual claim data concerning a plurality of individual claims for the single obligor. is extracted.

Further, in the claim management apparatus according to the present invention, each of the plurality of individual claims includes an interest amount and a deemed interest on the principal, and the control section receives a setting of a commission included in the deemed interest. It is characterized by comprising means.

Further, in the claim management apparatus according to the present invention, the control unit includes upper limit amount calculation means for calculating an upper limit amount of deemed interest included in each of the plurality of individual claims, and the upper limit amount calculation means It is characterized in that a comprehensive maximum amount of deemed interest for the comprehensive claim is calculated based on the interest rate.

Further, in the claim management apparatus according to the present invention, the control unit comprises output data creating means for creating output data for outputting information on one or more claims of the single obligor, The output data creation means creates output data including both information on the maximum amount of deemed interest and information on the comprehensive maximum amount for each of the plurality of individual claims having the same repayment date for the single debtor. characterized by

Further, in the claim management apparatus according to the present invention, the control unit includes determination means for determining whether or not the comprehensive real interest rate is equal to or higher than a preset upper limit value.

Further, in the claim management apparatus according to the present invention, the control unit includes update means for updating individual claim data relating to each of a plurality of individual claims having the same repayment date for the single obligor with the set repayment date. characterized by comprising

Alternatively, in the claim management device according to the present invention, the control unit includes a determination means for determining whether the comprehensive real interest rate is equal to or higher than a preset upper limit value, updating means for updating the individual bond data on each with the set repayment date, wherein the updating means updates the inclusive real interest rate if the inclusive real interest rate is equal to or higher than a preset upper limit as a result of the determination by the determining means. is characterized by regulating the update.

Further, a claim management method according to the present invention is a claim management method for managing a plurality of claims, which is executed in an information processing apparatus having a control unit, wherein a plurality of individual claims is executed in the control unit. including an interest calculation step of calculating an individual real interest rate for each of the claims, wherein in the interest calculation step, for a plurality of individual claims with the same repayment date for a single obligor, according to the number of days remaining until the set repayment date , calculating a comprehensive real interest rate of a comprehensive claim composed of the plurality of individual claims.

Further, a claim management program according to the present invention is a claim management program for managing a plurality of claims, which is executed in an information processing apparatus having a control unit, wherein a plurality of claims is executed by the control unit. an interest rate calculation step of calculating an individual real interest rate for each of the individual claims, wherein the interest rate calculation step calculates, for a plurality of individual claims with the same repayment date for a single obligor, according to the number of days remaining until the set repayment date and calculating the comprehensive real interest rate of the comprehensive claim composed of the plurality of individual claims.

According to the present invention, it is possible to provide a claim management device, a claim management method, and a claim management program that can reduce the user's trouble in managing a plurality of claims.

FIG. 1 is a block diagram showing an example configuration of a claim management system including a claim management device according to an embodiment of the present invention. FIG. 2 is a flow chart showing a processing procedure of a claim management method executed by the claim management apparatus 100 in the claim management system 1000 of FIG. FIG. 3 is a diagram showing a configuration example of a bond management screen that can be activated in step S201 of FIG. FIG. 4 is a diagram schematically showing an example of a list of individual bond data acquired in step S202 of FIG. FIG. 5 is a diagram showing a configuration example of comprehensive setting data referred to in step S203 of FIG. FIG. 6 is a diagram schematically showing an example of individual bond data created as a result of the processing in step S208 of FIG. FIG. 7 is a diagram schematically showing an example of comprehensive bond data created as a result of the processing in step S209 of FIG. FIG. 8 is a diagram schematically showing an example of comprehensive bond data updated as a result of the processing in step S211 of FIG.

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. Constitution]
An example of the configuration of a claim management system including the claim management device according to this embodiment will be described with reference to FIG. FIG. 1 is a block diagram showing an example configuration of a claim management system including a claim management device according to an embodiment of the present invention.

The claim management system 1000 shown in FIG. 1 includes a claim management device 100 as an information processing device, a server 200, and a network 300 connecting the claim management device 100 and the server 200 in a communicable manner.

The bond management device 100 is an information processing device for managing a plurality of bonds, and is composed of, for example, a commercially available desktop personal computer. For example, one credit management device 100 is installed in a department (for example, a loan department) that manages a plurality of credits in a business operator such as a financial institution. Note that the credit management apparatus 100 is not limited to a stationary information processing apparatus such as a desktop personal computer, and may be a portable type such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), a smart phone, or a tablet personal computer. It may be an information processing device. Moreover, a plurality of bond management devices 100 may be installed in the bond management system 1000, and a single bond management device 100 may function by synchronizing the plurality of bond management devices 100. good.

The bond 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 provided in the credit management apparatus 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicably connects the bond management apparatus 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 another device via a communication line. Here, the network 300 has a function of connecting the bond management apparatus 100 and the server 200 so as to be able to communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). Therefore, the communication interface unit 104 is configured to be able to receive input information and the like from other information processing devices via the network 300 or via the network 300 and the server 200, and is capable of receiving input information from other information processing devices. is configured to be able to output predetermined information to.

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores computer programs (including the program of the present invention) 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. Also, in this storage unit 106, various data used for executing the program of the present invention are stored in a writable/readable manner.

An input device 112 and an output device 114 are connected to the input/output interface unit 108 . The output device 114 can be a monitor (including a home television), a speaker, or a printer. The input device 112 can be a keyboard, a mouse, a microphone, or a monitor that realizes a pointing device function in cooperation with a mouse.

The control unit 102 is a CPU or the like that comprehensively controls the credit management apparatus 100 . 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.

Furthermore, the configuration of the storage unit 106 and the control unit 102 will be described in detail with reference to FIG.

The storage unit 106, as shown in FIG. 1, includes an individual bond data storage area 106a, a comprehensive setting data storage area 106b, and a comprehensive bond data storage area 106c. The storage unit 106 may also include other master and data storage areas.

The individual credit data storage area 106a, comprehensive setting data storage area 106b, and comprehensive credit data storage area 106c are areas for storing individual credit data, comprehensive setting data, and comprehensive credit data, respectively, which will be described later. Each data is held so that it can be output according to the

The control unit 102 comprises a plurality of modules, as shown in FIG. In the example shown in FIG. 1, the control unit 102 includes an interest calculation unit 102a, a commission setting unit 102b, an upper limit calculation unit 102c, an output data creation unit 102d, a determination unit 102e, and an update unit 102f. ing.

The interest rate calculator 102a is a module that functions at least as an interest rate calculator that calculates an individual real interest rate for each of a plurality of individual bonds. The commission setting unit 102b is a module that functions at least as commission setting means for receiving the setting of the commission included in the deemed interest. The maximum amount calculation unit 102c is a module that functions at least as maximum amount calculation means for calculating the maximum amount of deemed interest included in each of a plurality of individual claims. The output data creating unit 102d is a module that functions as output data creating means for creating at least output data for outputting information on one or more claims of a single debtor. The determination unit 102e is a module that functions at least as output data creation means for creating output data for outputting information on one or more claims of a single debtor. The updating unit 102f is a module that functions as updating means for updating at least individual bond data relating to each of a plurality of individual bonds with the same repayment date for a single debtor with the set repayment date. The function of each part includes the function of realizing the processing contents to be described later.

[2. process]
Next, a claim management method executed in the claim management system 1000 shown in FIG. 1 will be exemplified.

FIG. 2 is a flow chart showing a processing procedure of a claim management method executed by the claim management apparatus 100 in the claim management system 1000 of FIG. The process shown in FIG. 2 is generally used to manage one or more, preferably a plurality of, claims. According to the number of days outstanding, the comprehensive real interest rate of the comprehensive bond composed of the plurality of individual bonds is calculated. In the following, a case where a plurality of claims relating to a bridge loan to a single obligor (loan recipient) is handled as a plurality of individual claims will be described as an example. A bridging loan is, for example, a fund for a client requesting construction of a house to pay various construction fees (land construction fee, construction fee, interim fee, completion fee) until the start of the mortgage loan. The repayment dates for these multiple receivables are generally set in anticipation of the completion of all construction work and the commencement of the mortgage loan, and the repayment date is set on or before the start date of the mortgage loan. The due date is changeable.

In FIG. 2, first, in step S201, it is determined whether or not to change the setting of the repayment date. Specifically, it is determined whether or not a claim management screen for the user to handle claims to the debtor (for example, client) is activated. Repayment date means the repayment date or date of repayment of a claim. In this embodiment, it is possible to collectively change (extend or shorten) the repayment dates of a plurality of individual bonds having the same repayment date. Therefore, on the receivables management screen, an input item is provided for setting or changing (extending or shortening) the repayment date for comprehensive receivables, assuming that multiple individual receivables with the same repayment date are grouped together. It is preferable that the set repayment date is reflected in the repayment dates of the individual claims that make up the comprehensive claim.

FIG. 3 is a diagram showing a configuration example of a bond management screen that can be activated in step S201 of FIG. The bond management screen MA shown in FIG. 3 is provided with areas MA1, MA2, MA3, MA4, MA5 and MA6. Area MA1 is for inputting information (e.g. customer number) for identifying a debtor (e.g. a customer who is a contracting party of a bridge loan) and information (branch number) for identifying an obligation to the debtor. It is an input item. Area MA2 is an input item for setting or changing the maturity date of the comprehensive claim of the debtor specified in area MA1. Area MA3 is a display area for displaying information about a plurality of individual claims of the debtor specified in area MA1 and having the same repayment date (that is, individual claims constituting comprehensive claims). Area MA4 is a display area for a "create repayment schedule" button, which will be described later. The area MA5 is a display area for displaying information on comprehensive claims. Area MA6 is a display area for a "registration" button, which will be described later. In this embodiment, the content displayed in each area of the bond management screen MA is updated according to the repayment date of the comprehensive bond set via the area MA1 and the fee entered in the fee input item included in the area MA3. configured as possible.

As a result of determination in step S201, if the setting of the repayment date is not changed (No in step S201), it waits for the setting of the repayment date to be changed. On the other hand, if the setting of the repayment date is to be changed (Yes in step S201), information specifying the obligor of the claim whose repayment date is to be changed (e.g. customer number) is obtained, A list of individual claim data relating to individual claims to the debtor is obtained (step S202). In the credit management screen MA shown in FIG. 3, by inputting the customer number and serial number in the area MA1, at least one of the information specifying the debtor and the individual credit to the debtor is specified. Furthermore, when a customer number is entered on the receivables management screen MA shown in FIG. list is obtained.

FIG. 4 is a diagram schematically showing an example of a list of individual bond data acquired in step S202 of FIG.

Each individual credit data included in the list shown in FIG. information on loans, information on loans, information on dates of loans, information on repayment dates, and information on individual real interest rates. The individual real interest rate is the real interest rate (annual rate) of an individual bond. In the list shown in FIG. 4, the individual credit data related to the credit for the product (product code: 7201) related to the bridge loan contract specified by the branch numbers "0" to "3" and the individual credit data specified by the branch number "4" and individual credit data related to credits for products related to housing loans (product code: 7101). The information on the branch number functions as identification information for identifying the claim to a single obligee.

In the following step S203, individual bond data relating to multiple individual bonds having the same repayment date are extracted from the list of individual bond data acquired in step S202. For this purpose, reference is made to the branch number entered in the area MA1 in the bond management screen MA shown in FIG. 3 and the comprehensive setting data described below. The comprehensive setting data can be referenced by reading from the comprehensive setting data storage area 106b shown in FIG. 1, for example.

FIG. 5 is a diagram showing a configuration example of comprehensive setting data referred to in step S203 of FIG. The comprehensive setting data shown in FIG. 5 is data (table) for managing one or more individual claims to be collectively (comprehensively) managed among a plurality of individual claims to the obligor with serial numbers. In this embodiment, a plurality of individual claims with the same repayment date are managed with different branch numbers, thereby making it possible to create the concept of a comprehensive claim. For example, by allocating a branch number to each of a plurality of construction processes in a bridge loan contract, it is possible to collectively manage by increasing the branch number even if financing is provided each time the number of construction processes increases. In the example shown in FIG. 5, a plurality of individual claims registered in the comprehensive setting data are linked with the same bridging contract number, but the product code may be used instead of the bridging contract number.

Specifically, in step S203, first, at least one individual bond is identified based on the branch number entered in area MA1, and further, by referring to comprehensive setting data as shown in FIG. One or more individual bonds to be collectively managed including branch numbers are identified, and individual bond data relating to the identified individual bonds are extracted from the list of individual bond data acquired in step S202. As a result, one or more, preferably a plurality of individual bond data to be processed are determined. In the example of comprehensive setting data shown in FIG. 5, the branch numbers range from "0" to "3." The individual bond data is subject to this process, and the individual bond data with branch number "4" is excluded from this process. Each piece of individual bond data to be processed is displayed in list form in the area MA3 in the example of the bond management screen MA shown in FIG.

Then, after the individual bond data to be processed is determined, in step S204, the upper limit of the fee is calculated for the individual bond data corresponding to each individual bond data. The upper limit of the fee is roughly defined as the amount after interest is deducted from the loan amount (cumulative balance after deduction) and the preset upper limit interest rate (for example, the statutory upper limit interest rate or the upper limit interest rate set independently by the financial institution). ), and the amount of interest and the amount of assumed interest corresponding to the number of days remaining until the set repayment date. The upper limit of the fee calculated for each individual bond is displayed in area MA3 in the example of the bond management screen MA shown in FIG.

In parallel with the processing of steps S202 to S204 described above, in step S205, the setting of the repayment date for the comprehensive bond and the input of the fee for the individual bond are awaited. In the example of the bond management screen MA shown in FIG. 3, setting of the repayment due date (that is, repayment due date after change) is performed through area MA2, and input of fees is performed through area MA3. If the repayment date is not set, the current repayment date (the repayment date set at the time of financing) is displayed in area MA2. If no commission is entered, the current commission (previously set commission) is displayed in area MA3, or if there is no set commission, null or "0" is displayed.

After that, in step S206, it is determined whether or not to create a repayment schedule. Here, "scheduled repayment" means simulation results for confirming how the repayment amount and real interest rate will change when the repayment date is changed. Specifically, the determination process in step S206 is performed depending on whether or not the "create repayment schedule" button displayed in the area MA4 of the bond management screen MA shown in FIG. 3 is pressed. In step S205, if one or both of setting (changing) the repayment date and inputting the fee are not performed, the "create repayment schedule" button may be restricted so that it cannot be pressed or displayed. good.

As a result of the determination in step S206, if a repayment schedule is not to be created (No in step S206), the process returns to step S205 to continue waiting for one or both of setting (changing) the repayment date and inputting the fee. do. On the other hand, when creating a repayment schedule (Yes in step S206), the process proceeds to step S207.

In the subsequent step S207, the information on the repayment date after change set in step S205 and the information on the fee input in step S205 are acquired, and the process proceeds to step S208. Specifically, in step S207, information regarding the due date entered in the area MA2 and the fee amount entered in the fee entry field in the area MA3 at the time the "repayment schedule" button is pressed in step S206 is obtained. do.

Then, in step S208, the real interest rate (hereinafter also referred to as "individual real interest rate") is calculated and the maximum amount of the fee is calculated. The individual real interest rate is roughly the ratio (annual rate) of the total amount of interest up to the repayment date to the loan (cumulative balance after deduction) (annual rate), and the calculation method is known, so the explanation is omitted. . Calculation of the upper limit of the fee can be executed by the same processing as the calculation in step S204.

The individual real interest rate and the upper limit of the commission calculated in step S208 are displayed in the area MA3 shown in FIG. If the upper limit of the individual real interest rate and commission is already displayed in area MA3, it is overwritten with the upper limit of the individual real interest rate and commission calculated in step S208. The information on the individual real interest rate calculated in step S208 is stored in the individual bond data storage area 106a shown in FIG. 1 as the individual bond data on the individual bond. FIG. 6 is a diagram schematically showing an example of individual bond data created as a result of the processing in step S208 of FIG. By holding a group of individual bond data as shown in FIG. 6, it becomes possible to more appropriately manage a plurality of individual bonds with the same repayment date. The individual bond data created as a result of the processing in step S208 of FIG. 2 corresponds to the individual bond data relating to the individual bond extracted in the processing of step S203, and will not be overwritten or deleted until the update processing described later is performed. It's like

In step S209, the real interest rate (hereinafter also referred to as "inclusive real interest rate") is calculated and the fee Calculate the maximum amount of Comprehensive real interest rate is roughly expressed by the ratio (annual rate) of the total amount of interest up to the repayment date to the loan amount (cumulative balance after deduction), similar to the individual real interest rate. However, unlike the calculation of the individual real interest rate, in the calculation of the comprehensive real interest rate, instead of the loan amount (accumulated balance after deduction), the cumulative accumulated balance after deduction is used. Cumulative balance after deduction is calculated by adding up the individual claims that make up the comprehensive claim. Therefore, since the comprehensive real interest rate is not expressed by, for example, the average value of the individual real interest rates of individual loans, the amount of fees included in the deemed interest will change each time the repayment date changes. It is necessary to calculate the comprehensive real interest rate each time. Calculation of the upper limit of the fee can be executed by the same processing as the calculation in steps S204 and S207. However, as the loan amount, the accumulated accumulated balance after deduction is used instead of the accumulated accumulated balance after deduction. The accumulation calculation for calculating the cumulative balance after deduction can be calculated, for example, as follows. The value obtained by dividing the product of the loan amount (accumulated balance after deduction) of branch number "0" and the number of days outstanding by the number of days in a year, and the loan amount (balance after deduction) of branch number "0" and "1" total number of days) and total number of days outstanding divided by the number of days in a year Divide the product by the number of days in a year, and the product of the total number of days of loans (accumulated balance after deduction) and the number of days outstanding for individual loans with branch numbers "0," "1," "2," and "3." Calculate the sum with the value divided by the number of days.

Then, the comprehensive real interest rate and the upper limit of the fee calculated in step S209 are displayed in the area MA5 shown in FIG. If the upper limit of the comprehensive real interest rate and commission has already been displayed in the area MA5, it is overwritten with the upper limit of the comprehensive real interest rate and commission calculated in step S209. Further, the information on the comprehensive real interest rate calculated in step S209 is held in the comprehensive credit data storage area 106c shown in FIG. 1 as the comprehensive credit data on the comprehensive credit. FIG. 7 is a diagram schematically showing an example of comprehensive bond data created as a result of the processing in step S209 of FIG. By holding comprehensive bond data as shown in Fig. 7, multiple individual bonds with the same repayment date can be managed more appropriately, for example, so that the comprehensive real interest rate does not exceed the set upper limit interest rate. be able to For the sake of convenience, the comprehensive credit data shown in FIG. 7 corresponds to the comprehensive credit data related to the comprehensive credit that summarizes the individual credits extracted in the processing of step S203, and is credit data that can be created before the update processing described later is performed. is shown as

After that, in step S210, it is determined whether or not to update the bond data. Here, "updating the bond data" means managing (registering) the corresponding bond data with the changed repayment date and fee amount set in step S205. Specifically, it is determined whether or not the "registration" button displayed in the area MA6 shown in FIG. 3 is pressed. The bond data to be updated (that is, the bond data before update) is the individual bond data extracted in step S204 (individual bond data with branch numbers "0" to "3" among the individual bond data shown in FIG. 4). and the comprehensive credit data (comprehensive credit data shown in FIG. 7) that was created before being created as a result of the processing in step S209.

As a result of the determination in step S210, if the bond data is not updated (i.e., if the "Register" button is not pressed) (No in step S210), the process returns to step S201 and, for example, changes the repayment date and fee Wait for the setting (resetting) of the amount of On the other hand, if the bond data is to be updated (Yes in step S210), the process proceeds to step S211 to determine whether or not the real annual rate (real interest rate) is equal to or higher than the upper limit. Here, the real annual rate to be determined is at least one of the individual real interest rate calculated in step S208 and the comprehensive real interest rate calculated in step S209, and preferably both real interest rates.

As a result of the determination in step S211, if the real annual rate (real interest rate) is equal to or higher than the upper limit, a predetermined regulation process is performed to regulate such updating of the bond data (step S220), and the repayment date after change and The process returns to step S201 to wait for setting (resetting) of the fee amount. As the predetermined regulation processing, when the "Register" button is pressed, a warning display may be displayed, a display prompting the user to change the repayment date or the fee may be displayed, or "Registration" may be displayed. The button may be regulated so that it cannot be pressed.

On the other hand, as a result of the determination in step S211, if the real annual rate (real interest rate) is not equal to or higher than the upper limit (No in step S211), the process proceeds to step S212 to update the bond data. The updated bond data consists of a group of individual bond data (individual bond data shown in FIG. 6) created as a result of the process in step S208 and comprehensive bond data (in FIG. 8) created as a result of the process in step S209. comprehensive credit data shown). FIG. 8 schematically shows an example of comprehensive credit data updated as a result of the processing in step S211 of FIG. As a result of the processing in step S211, the information on the maturity date and the individual real interest rate included in the group of individual bond data are collectively updated. Then, this process is completed.

As explained in detail above, according to the processing procedure of the claim management method shown in FIG. Step S208), furthermore, for a plurality of individual claims with the same repayment date for a single obligor (Step S203), according to the number of days remaining until the set repayment date, a comprehensive claim consisting of the plurality of individual claims (step S209) (interest calculation means). As a result, it is possible to reduce the user's trouble in managing a plurality of bonds.

Further, according to the process of FIG. 2, the individual bond data regarding multiple individual credits having the same repayment date are extracted from the list of individual bond data regarding multiple individual credits for a single obligor (step S203). As a result, the user's trouble can be further reduced. It should be noted that the individual bond data selected by the user from the list of individual bond data may be used instead of the processing of step S203.

Further, according to the processing of FIG. 2, each of the plurality of individual claims includes the interest amount and the deemed interest on the principal, and is configured to be able to accept the setting of the fee included in the deemed interest (step S205) (commission setting means). This allows the user to grasp the real interest rate corresponding to the set commission.

Further, according to the processing of FIG. 2, the upper limit of the deemed interest (for example, commission) included in each of a plurality of individual claims is calculated (steps S204 and S208), and further, based on the comprehensive real interest rate, the comprehensive claim (step S209) (upper limit calculation means). As a result, the user can grasp the range that can be set for the fee, and can simulate an increase or decrease in the fee within the range of the upper limit amount, for example.

Further, according to the processing of FIG. 2, output data (for example, display data) for outputting information on one or more claims of the single debtor is created, and repayment to the single debtor is performed. Output data including both information on the upper limit of deemed interest (for example, commission) and information on the comprehensive upper limit for each of a plurality of individual claims with the same due date is created (FIG. 2). Note that the output data is not limited to display data, and may be mail transmission data. As a result, the user can collectively grasp the upper limit of fees for both the individual claim and the comprehensive claim, thereby enhancing the user's convenience.

Further, according to the process of FIG. 2, it is determined whether or not the comprehensive real interest rate is equal to or higher than a preset upper limit (step S211) (determining means). As a result, even if the user does not know the set upper limit, the user can obtain the determination result as to whether the comprehensive real interest rate is equal to or higher than the upper limit, thereby enhancing user convenience. . In the process shown in FIG. 2, the determination process is performed prior to the update process, but it may be performed during the comprehensive credit calculation process (step S209).

Further, according to the process of FIG. 2, the individual bond data relating to each of the plurality of individual bonds having the same repayment date for the single obligor is updated with the set repayment date (step S212) (update means). . As a result, the user can collectively update the repayment dates of individual bonds without having to change the repayment dates, thereby enhancing the user's convenience.

Further, according to the processing of FIG. 2, it is determined whether or not the comprehensive real interest rate is equal to or higher than a preset upper limit value, and the individual bond data relating to each of the plurality of individual bonds having the same repayment date are stored in the setting As a result of determination, if the inclusive real interest rate is equal to or higher than the preset upper limit value, the renewal is restricted (step S210) (regulating means). As a result, it is possible to prevent the existence of an individual claim that constitutes a comprehensive claim for which a comprehensive real interest rate equal to or higher than the upper limit is set.

It should be noted that it is possible to arbitrarily change the processing contents and processing procedure of the processing shown in FIG. For example, calculations for individual claims (steps S204 and S208) may be omitted, and calculations for comprehensive claims (step S209) may be executed. It is possible to collectively update the maturity dates of the individual claims that make up the comprehensive claim.

In addition, the above-described embodiment describes the case of managing claims, but the claims are not limited to the claims related to the bridge loan contract, and can be applied to the case of handling a plurality of claims with the same repayment date. In addition, the above-described embodiment can also be used to obtain simulation results of how the debt changes for the debtor due to changes in the repayment date and fees, and to provide information to the debtor. In other words, it can also be applied to managing debt.

[3. 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 credit management apparatus 100 and the credit management system 1000, each component shown in the figure is functionally conceptual, and does not necessarily need to be physically configured as shown in the figure.

For example, the processing functions of the claim management apparatus 100, particularly the processing functions performed by the control unit, may be implemented in whole or in part by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be implemented as hardware by wired logic. The program is recorded in 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, and the credit management apparatus as necessary. 100 mechanically read. 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.

Also, this computer program may be stored in an application program server connected to the claim management apparatus 100 via an arbitrary network (for example, network 300), and all or part of it may be downloaded as necessary. It is also possible to

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". Therefore, a recording medium storing a program for executing the processing described in this specification also constitutes the present invention.

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 embodiments, the installation procedure after reading, and the like.

The various databases 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. programs, tables, databases, and files for web pages.

Further, the claim management apparatus 100 may be configured as an information processing apparatus such as a known personal computer or workstation, or may be configured as the information processing apparatus to which any peripheral device is connected. Also, the claim management apparatus 100 may be implemented by installing software (including programs, data, etc.) that causes the apparatus to implement the processes described herein.

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.

INDUSTRIAL APPLICABILITY The present invention is useful in managing multiple claims.

100 bond management device 102 control unit 102a interest calculation unit 102b commission setting unit 102c maximum amount calculation unit 102d output data creation unit 102e determination unit 102f update unit 104 communication interface unit 106 storage unit 106a individual bond data storage area 106b comprehensive setting data storage Area 106c Comprehensive Obligation Data Storage Area 108 Input/Output Interface Unit 112 Input Device 114 Output Device 200 Server 300 Network 1000 Debt Management System

Claims (10)

A claim management device comprising a control unit for managing a plurality of claims,
The control unit
Equipped with interest rate calculation means for calculating individual real interest rates for each of a plurality of individual claims,
The interest rate calculation means is
For multiple individual claims with the same repayment date for a single obligor, the comprehensive real interest rate for comprehensive claims consisting of multiple individual claims is calculated according to the number of days remaining until the set repayment date. and credit management device. The interest rate calculation means is
2. The claim management apparatus according to claim 1, wherein individual claim data relating to a plurality of individual claims having the same repayment date are extracted from a list of individual claim data relating to a plurality of individual claims to said single obligor. . Each of the plurality of individual claims includes an interest amount and a deemed interest on the principal,
The control unit
3. The claim management apparatus according to claim 1, further comprising commission setting means for receiving a setting of a commission included in said deemed interest. The control unit
Equipped with upper limit amount calculation means for calculating the upper limit amount of deemed interest included in each of the plurality of individual claims,
The upper limit calculation means is
4. The claim management apparatus according to any one of claims 1 to 3, wherein a comprehensive maximum amount of deemed interest for said comprehensive claim is calculated based on said comprehensive real interest rate. The control unit
output data creation means for creating output data for outputting information on one or more claims of the single debtor;
The output data creation means includes:
A claim characterized by creating output data including both information on the maximum amount of deemed interest for each of a plurality of individual claims with the same repayment date for said single debtor and information on said comprehensive maximum amount. Item 5. The credit management device according to item 4. The control unit
The claim management apparatus according to any one of claims 1 to 5, further comprising determination means for determining whether the comprehensive real interest rate is equal to or higher than a preset upper limit. The control unit
7. The method according to any one of claims 1 to 6, further comprising updating means for updating individual bond data relating to each of a plurality of individual bonds having the same repayment date for said single obligor with said set repayment date. Claims management device according to the paragraph. The control unit
determining means for determining whether the comprehensive real interest rate is equal to or higher than a preset upper limit;
updating means for updating individual bond data relating to each of the plurality of individual bonds having the same repayment date with the set repayment date;
The updating means is
6. The claim according to any one of claims 1 to 5, wherein the update is regulated when the comprehensive real interest rate is equal to or higher than a preset upper limit as a result of determination by the determination means. management device. A claim management method for managing a plurality of claims, which is executed in an information processing device having a control unit, comprising:
Executed in the control unit,
including an interest rate calculation step of calculating an individual real interest rate for each of a plurality of individual claims;
In the interest calculation step,
For multiple individual claims with the same repayment date for a single obligor, the comprehensive real interest rate for comprehensive claims consisting of multiple individual claims is calculated according to the number of days remaining until the set repayment date. receivables management method. A claim management program for managing a plurality of claims, which is executed in an information processing device having a control unit,
for execution in the control unit,
including an interest rate calculation step of calculating an individual real interest rate for each of a plurality of individual claims;
In the interest calculation step,
For multiple individual claims with the same repayment date for a single obligor, the comprehensive real interest rate for comprehensive claims consisting of multiple individual claims is calculated according to the number of days remaining until the set repayment date. receivables management program.

Images