JP7534939B2 - RENT GUARANTEE MANAGEMENT DEVICE, RENT GUARANTEE MANAGEMENT METHOD, AND RENT GUARANTEE MANAGEMENT PROGRAM - Google Patents

Description

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

Patent document 1 discloses a configuration that enables prompt recovery of rent arrears when arrears are detected in rent for rental housing, regardless of the contract holder's intention to pay.

JP 2009-193490 A

However, the invention described in Patent Document 1 above had the problem that even minor rent arrears that occurred regardless of the contract holder's willingness to pay were registered as past arrears in the information system.

The present invention has been made in consideration of the above problems, and aims to provide a rent guarantee management device, rent guarantee management method, and rent guarantee management program that can process cases where the first month's deduction is not completed in time due to procedural issues, resulting in arrears regardless of the intention to pay, without counting them as arrears.

In order to solve the above-mentioned problems and achieve the objective, the rent guarantee management device of the present invention is a rent guarantee management device equipped with a memory unit and a control unit, the memory unit is equipped with a product storage means for storing a product master in which the agency method of the rent guarantee product, the mid-term guarantee category for identifying whether or not there is a mid-term guarantee, and the mid-term guarantee period are set, and a contract storage means for storing contract data in which the contractor, the contracted rent guarantee product, the deduction start date, and account deficiency data for identifying whether or not there is an account deficiency are set, and the control unit is equipped with a rent billing creation means for creating rent billing data for the target month based on the contract data, a deduction billing creation means for creating deduction billing data for the target month based on the product master and the contract data, in which the rent billing data is set to whether or not it is subject to mid-term deduction, and a deduction result reflection means for creating deduction result reflection data for the target month in which the deduction result is set in the deduction billing data.

In addition, in the rent guarantee management device of the present invention, the deduction claim creation means is characterized in that when the target year and month reaches the deduction start year and month set in the contract data and the account deficiency data in the contract data is set to no account deficiency, the rent claim data is set as the deduction request target, and the deduction claim data is created based on the product master and the contract data with the rent claim data set as not subject to the mid-way dropout.

In addition, in the rent guarantee management device of the present invention, the rent claim data is set as the rent guarantee product, and the debit claim creation means sets the rent claim data to a target for which debit requests cannot be made if the target year and month has not yet reached the debit start year and month set in the contract data, or if the account deficiency data of the contract data is set to the account with deficiency, and creates debit claim data for the target year and month set as the debit target in the rent claim data for which debit requests cannot be made if the mid-break guarantee category of the product master is set to the mid-break guarantee with guarantee for the rent guarantee product set in the rent claim data for which debit requests cannot be made.

In addition, in the rent guarantee management device of the present invention, the deduction claim creation means is further characterized in that, for the rent guarantee product set in the rent claim data for which the deduction request cannot be made and the mid-way loss guarantee category in the product master is set to no mid-way loss guarantee, the rent claim data is additionally set to not be subject to the mid-way loss, and the claim amount included in the rent claim data is additionally set as the overdue amount.

In addition, in the rent guarantee management device of the present invention, the deduction result reflection data is set to the rent guarantee product, and the deduction result reflection means is further characterized in that, when the deduction result of the deduction result reflection data is not set to normal, the deduction result reflection means sets the deduction guarantee category of the product master for the rent guarantee product set in the deduction result reflection data to "with deduction guarantee" and the deduction result is not set to "insufficient funds," and additionally sets the deduction result reflection data to "target for deduction."

In addition, in the rent guarantee management device of the present invention, the deduction result reflection means is further characterized in that when the deduction result in the deduction result reflection data is not set to normal, and the mid-way guarantee classification in the product master is set to no mid-way guarantee for the rent guarantee product set in the deduction result reflection data, or the deduction result is set to insufficient funds, the invoice amount included in the deduction result reflection data is additionally set as the overdue amount.

In addition, in the rent guarantee management device of the present invention, the deduction result reflection means is further characterized in that, when the deduction result in the deduction result reflection data is set to normal, a deposit completion identifier is added to the deduction result reflection data, and a deposit process is executed for the rent billing data, thereby obtaining deposit data and deposit reconciliation data.

In addition, in the rent guarantee management device according to the present invention, the control unit is characterized by further comprising a KPI acquisition means for acquiring key performance indicators for the contract data based on the contract data and the withdrawal result reflection data.

In addition, in the rent guarantee management device of the present invention, the KPI acquisition means acquires, as the key performance indicator, the delinquency occurrence rate, which is the quotient when the number of delinquent occurrences in the target month is the dividend and the total number of contracts is the divisor, based on the contract data and the deduction result reflection data.

In addition, in the rent guarantee management device of the present invention, the KPI acquisition means acquires, as the key performance indicator, the recovery rate, which is the quotient when the amount of the claim for reimbursement from defaulters for the target year and month is used as the deductor and the amount paid in advance for the target year and month is used as the divisor, based on the contract data and the deduction result reflection data.

The rent guarantee management method according to the present invention is a rent guarantee management method to be executed by a rent guarantee management device having a memory unit and a control unit, the memory unit having a product storage means for storing a product master in which the proxy method for the rent guarantee product, the mid-term guarantee category for identifying whether or not there is a mid-term guarantee, and the mid-term guarantee period are set, and a contract storage means for storing contract data in which the contractor, the contracted rent guarantee product, the deduction start date, and account deficiency data for identifying whether or not there is an account deficiency are set, and the control unit is characterized by including a rent claim creation step for creating rent claim data for the target year and month based on the contract data, a deduction claim creation step for creating deduction claim data for the target year and month based on the product master and the contract data, in which the rent claim data is set to whether or not it is subject to mid-term deduction, and a deduction result reflection step for creating deduction result reflection data for the target year and month in which the deduction claim data is set to the deduction result.

The rent guarantee management program of the present invention is a rent guarantee management program to be executed by a rent guarantee management device having a memory unit and a control unit, the memory unit having a product storage means for storing a product master in which the proxy method for the rent guarantee product, the mid-term guarantee category for identifying whether or not there is a mid-term guarantee, and the mid-term guarantee period are set, and a contract storage means for storing contract data in which the contractor, the contracted rent guarantee product, the deduction start date, and account deficiency data for identifying whether or not there is an account deficiency are set, and the control unit executes a rent claim creation step for creating rent claim data for the target month based on the contract data, a deduction claim creation step for creating deduction claim data for the target month based on the product master and the contract data, in which the rent claim data is set to whether or not it is subject to mid-term deduction, and a deduction result reflection step for creating deduction result reflection data for the target month in which the deduction result is set in the deduction claim data.

According to the present invention, although a customer would be treated as a delinquent in normal system processing, by storing a classification of mid-term guarantee in the product master and setting it as a target of mid-term guarantee, it is possible to remove it from the list of delinquent. In addition, according to the present invention, in the case of a collection agency type rent guarantee product, in the case of mid-term failure in which the first month's deduction is not made in time due to procedural issues and arrears occur regardless of the intention to pay, a customer who has not paid despite the intention to pay is not counted as a delinquent, so that the delinquency rate, an important key performance indicator (KPI), can be precisely managed. In addition, according to the present invention, the receivables data targeted for mid-term failure can be connected to subsequent processing such as collection by making a CVS (Convenience Store) invoice or a request for combined deduction the following month. In addition, according to the present invention, it is possible to prevent cases where the guarantor's most important KPI, such as the delinquency rate, hits even when the person has the intention to pay, and to improve the ability to manage precisely. In addition, according to the present invention, it is possible to contribute to improving the accuracy of business issues and KPIs by dealing with omissions that are inevitable in procedures. In addition, according to the present invention, it is possible to eliminate obstacles to KPI analysis by having a omission guarantee, so that cases of people who have the intention to pay are not counted in the number of delinquent occurrences and the amount paid in advance. In addition, according to the present invention, it is possible to realize appropriate management of delinquents and credit management, although omissions are an obstacle to correct KPI analysis in terms of business management. In addition, according to the present invention, it is possible to provide KPI analysis that removes noise information, and it is possible to contribute to preventing problems due to misidentification of people as dunning targets.

FIG. 1 is a diagram showing an example of a conventional rent billing process. FIG. 2 is a diagram showing an overview of the intermediate loss compensation target in this embodiment. FIG. 3 is a diagram showing an example of rent billing processing in this embodiment. FIG. 4 is a block diagram showing an example of the configuration of a rent guarantee management device in this embodiment. FIG. 5 is a diagram showing an example of rent guarantee product data in this embodiment. FIG. 6 is a flowchart showing an example of the processing of the rent guarantee management device in this embodiment. FIG. 7 is a diagram showing an example of a rent guarantee management process in this embodiment. FIG. 8 is a diagram showing an example of a rent guarantee management process in this embodiment.

The embodiment of the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to this embodiment.

[1. Overview]
First, an overview of the present invention will be described with reference to Fig. 1 to Fig. 3. Fig. 1 is a diagram showing an example of a conventional rent billing process. Fig. 2 is a diagram showing an overview of the mid-leave guarantee target in this embodiment. Fig. 3 is a diagram showing an example of a rent billing process in this embodiment.

Traditionally, rent guarantee products were mostly accident report type products where repayment was made based on a delinquent report from the management company, and collection agency type products were relatively new products, so when a gap occurred, the system did not implement a cover process and covered it with a human wave tactic. However, in recent years, independent guarantee companies have also been increasing the number of products in partnership with credit companies, and the proportion of collection agency type products in all products has increased significantly, so it was necessary to deal with gaps in the system. Here, since the gap target is a contract holder who has the intention to pay, there is a high concern that if a reminder is sent, it will lead to complaints, etc., and it was necessary to summarize various data to remove them from the call list. In addition, traditionally, rent guarantee companies have placed importance on the KPIs of the delinquency occurrence rate and collection rate (how quickly the repayment amount is collected from delinquent payers) as management indicators due to the nature of debt guarantee. However, from the perspective of KPI, if gaps lead to customers' delinquency, a KPI different from the delinquency rate based on the actual intention to pay may be output.

For example, as shown in Figure 1, in the conventional system, each month's bill was processed by direct debit, so if the account opening procedures were not completed in time for the first billing month of September, a history of delinquent payments would remain, and separate billing data would be created, or the amount would continue to remain as an outstanding balance.

In this embodiment, as shown in Figure 2, whether or not a deduction request is possible is defined, and the presence or absence of a deduction result for a collection agency type rent guarantee product is linked and managed with the target of the mid-term guarantee. As shown in Figure 3, the deduction for September, which is the first month of billing, is subject to the mid-term guarantee, and changed to a combined deduction for the following month. This not only enables precise management of the delinquency rate without leaving a history of delinquency, but also makes it possible to create CVS billing data for September.

2. Configuration
An example of the configuration of the rent guarantee management device 100 according to this embodiment will be described with reference to Fig. 4 and Fig. 5. Fig. 4 is a block diagram showing an example of the configuration of the rent guarantee management device 100 according to this embodiment.

As shown in FIG. 4, the rent guarantee management device 100 is a commercially available desktop personal computer. Note that the rent guarantee management device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

The rent guarantee management device 100 comprises a control unit 102, a communication interface unit 104, a memory unit 106, and an input/output interface unit 108. Each unit of the rent guarantee management device 100 is connected to be able to communicate with each other via any communication path.

The communication interface unit 104 communicatively connects the rent guarantee 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 rent guarantee 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).

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 records computer programs that work with the OS (Operating System) to give instructions to the CPU (Central Processing Unit) to perform various processes. The storage unit 106 can be, 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, or an optical disk. The storage unit 106 includes a product master 106a, a contract database 106b, and a transaction database 106c.

The product master 106a is a master in which the agency method for the rent guarantee product, the no-go guarantee category that identifies whether or not there is a no-go guarantee, and/or the no-go guarantee period are set. Here, the product master 106a may also be set with a product identifier (e.g., product code and/or product name, etc.), guarantee rate, no-go guarantee category, no-go guarantee period, withdrawal entrusted party, and/or agency method, etc.

Here, an example of a rent guarantee product in this embodiment will be described with reference to FIG. 5. FIG. 5 is a diagram showing an example of rent guarantee product data in this embodiment.

As shown in FIG. 5, the rent guarantee product data in this embodiment may include the product name, product pattern (agency method), initial guarantee rate, renewal guarantee rate, number of months for renewal, and no-fail guarantee period. Here, in this embodiment, the guarantee rate may be a value multiplied by the rent or management fee. Also, in this embodiment, the no-fail guarantee period may be a period of agreement that defines the difference between the billing start month and the deduction start month as the no-fail guarantee and does not treat the person as a defaulter. Also, in this embodiment, since there are no no-fail occurrences for accident reporting type products, the no-fail guarantee period is left blank.

Returning to FIG. 4, the contract database 106b stores contract data for rental contracts. Here, the contract database 106b may store contract data in which the contractor, the contracted rent guarantee product, the deduction start date, and/or account deficiency data that identifies whether or not there is an account deficiency is set. The contract database 106b may also store a contract identifier (e.g., a contract key and/or the contractor name, etc.), a product identifier (e.g., a product code and/or the product name, etc.), the target date, the deduction start date, rent, the initial guarantee fee, the billing total, and/or account deficiency data, etc.

The transaction database 106c stores transaction data. Here, the transaction data may include rent billing data, debit billing data, debit result reflection data, order data, inquiry data, purchase data, billing data, deposit data, deposit reconciliation data, inventory data, and/or journal data. The transaction database 106c may also store key performance indicators (KPIs).

An input device 112 and an output device 114 are connected to the input/output interface unit 108. The output device 114 may be a monitor (including a touch panel), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that works with a mouse to provide a pointing device function. In the following, 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 control unit 102 is a CPU or the like that provides overall control of the rent guarantee management device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs. In terms of functional concept, the control unit 102 includes a product registration unit 102a, a contract accounting unit 102b, a rent invoice creation unit 102c, a deduction invoice creation unit 102d, a deduction result reflection unit 102e, and a KPI acquisition unit 102f.

The product registration unit 102a registers the product data of the rent guarantee product in the product master 106a.

The contract accounting unit 102b creates contract data. Here, the contract accounting unit 102b creates contract data based on the product master 106a, in which the contract holder, the contracted rent guarantee product, the deduction start date, and account deficiency data that identifies whether there is an account deficiency are set, and the contract data may be registered in the contract database 106b.

The rent billing creation unit 102c creates rent billing data for the target year and month. Here, the rent billing creation unit 102c may create the rent billing data for the target year and month based on the contract data. Here, the rent billing data may include a rent guarantee product. In addition, the rent billing creation unit 102c may register the rent billing data in the transaction database 106c.

The deduction claim creation unit 102d creates deduction claim data for the target year and month, with the rent claim data set as being subject to mid-day dropout. Here, the deduction claim creation unit 102d may create deduction claim data for the target year and month, with the rent claim data set as being subject to mid-day dropout, based on the product master 106a and the contract data. In addition, when the target year and month reaches the deduction start year and month set in the contract data and the account deficiency data in the contract data is set as being free of account deficiency, the deduction claim creation unit 102d may set the rent claim data as the deduction request target, and create deduction claim data for the target year and month, with the rent claim data set as not subject to mid-day dropout, based on the product master 106a and the contract data. In addition, the deduction claim creation unit 102d may set the rent claim data as a target for which deduction requests cannot be made if the target year and month has not yet reached the deduction start year and month set in the contract data, or if the account deficiency data in the contract data is set to account deficiency, and may create deduction claim data for the target year and month in which the rent claim data is set as a target for which deduction requests cannot be made if the deduction guarantee classification in the product master 106a is set to with deduction guarantee for the rent guarantee product set in the rent claim data for which deduction requests cannot be made. In addition, the deduction claim creation unit 102d may add the rent claim data to the rent claim data as not subject to deduction requests if the deduction guarantee classification in the product master 106a is set to without deduction guarantee for the rent guarantee product set in the rent claim data for which deduction requests cannot be made, and may add the claim amount included in the rent claim data as the overdue amount. In addition, the deduction claim creation unit 102d may register the deduction claim data in the transaction database 106c.

The deduction result reflection unit 102e creates deduction result reflection data for the target year and month in which the deduction result is set in the deduction claim data. Here, the deduction result reflection data may be set as a rent guarantee product. In addition, when the deduction result of the deduction result reflection data is not set as normal, the deduction result reflection unit 102e may add the deduction result reflection data as a deduction target if the deduction result of the deduction result reflection data is not set as normal, the deduction result reflection unit 102e may add the deduction result reflection data as a deduction target if the deduction result of the deduction result reflection data is not set as normal, the deduction result reflection unit 102e may add the deduction result reflection data as a deduction target if the deduction result of the deduction result reflection data is not set as normal, the deduction result reflection unit 102e may add the deduction result reflection data as a deduction result ... data is set as a deduction result without a deduction guarantee, or the deduction result is set as a deduction result. In addition, when the withdrawal result of the withdrawal result reflection data is set to normal, the withdrawal result reflection unit 102e may add a deposit completion identifier to the withdrawal result reflection data and execute a deposit process for the rent billing data to obtain the deposit data and the deposit reconciliation data. In addition, the withdrawal result reflection unit 102e may register the withdrawal result reflection data in the transaction database 106c.

The KPI acquisition unit 102f acquires key performance indicators for the contract data. Here, the KPI acquisition unit 102f may acquire key performance indicators for the contract data based on the contract data and the debit result reflection data. The KPI acquisition unit 102f may also acquire the delinquency occurrence rate, which is the quotient when the number of delinquent occurrences in the target year and month is the deductor and the total number of contracts is the divisor, based on the contract data and the debit result reflection data (i.e., the delinquency occurrence rate = the number of delinquent occurrences in the current month / the total number of remaining contracts), as a key performance indicator. The KPI acquisition unit 102f may also acquire the recovery rate, which is the quotient when the amount of claim for reimbursement to delinquent taxpayers in the target year and month is the deductor and the amount of advances for the target year and month is the divisor, based on the contract data and the debit result reflection data (i.e., the recovery rate = the amount of claim for reimbursement to delinquent taxpayers / the amount of advances (subrogation amount)), as a key performance indicator. In addition, the KPI acquisition unit 102f may register key performance indicators in the transaction database 106c.

3. Specific Examples
A specific example of this embodiment will be described with reference to FIGS.

[Rent guarantee management processing]
An example of the rent guarantee management process in this embodiment will now be described with reference to Fig. 6. Fig. 6 is a flow chart showing an example of the process of the rent guarantee management device 100 in this embodiment.

As shown in FIG. 6, when a user inputs product data for a rent guarantee product, in which a product identifier, guarantee rate, mid-term guarantee category, mid-term guarantee period, withdrawal entrusted party, and agency method are set, via the input device 112, the product registration unit 102a registers the product data in the product master 106a (step SA-1).

Then, when the user inputs the contract identifier, product identifier, deduction start date and time, rent, and account deficiency data identifying whether there is an account deficiency via the input device 112, the contract accounting unit 102b creates contract data based on the product master 106a, setting the contract identifier, product identifier, target date and time, deduction start date and time, rent, initial guarantee fee, billing total, and account deficiency data, and registers the contract data in the contract database 106b (step SA-2). Here, in this embodiment, the deduction start date and time may be set at this point based on data from the property management company.

Then, the rent billing creation unit 102c creates rent billing data for the target month based on the contract data, including the contract identifier, product identifier, target month and year, deduction start month and year, rent, initial guarantee fee, and billing total, and registers the rent billing data in the transaction database 106c (step SA-3).

Then, the deduction billing creation unit 102d creates deduction billing data for the target month, with the rent billing data set as to whether it is subject to cutoff, based on the product master 106a and the contract data, and registers the deduction billing data in the transaction database 106c (step SA-4). Thus, in this embodiment, the receivable (deduction billing data) with contract key: 003 has a billing month of 2020/09, but since the deduction start month is 2020/10, it is not subject to a deduction billing and is held as a receivable "subject to cutoff."

Then, when an account deduction is performed by the collection agency, the deduction result reflection unit 102e creates deduction result reflection data for the target month in which the deduction result, deposit completion identifier, number of months in arrears, and/or amount in the deduction claim data are set, and the deduction result reflection data is registered in the transaction database 106c (step SA-5), terminating the process. Thus, in this embodiment, the receivable (deduction claim data) with contract key: 003 is in a state where payment has not been made in response to the claim, but is not treated as delinquent because it is "subject to deduction." On the other hand, in this embodiment, the receivable (deduction claim data) with contract key: 002 is not "subject to deduction" and is therefore treated as delinquent.

Now, with reference to Figures 7 and 8, an example of the rent guarantee management process in this embodiment will be described. Figures 7 and 8 are diagrams showing an example of the rent guarantee management process in this embodiment.

As shown in FIG. 7, in this embodiment, in the product registration process, the user sets the product master 106a on the product master maintenance screen, and in the contract accounting process, contract data is created based on the product master 106a, and billing data for the initial guarantee fee is created.

As shown in FIG. 7, in this embodiment, when a billing month is specified in rent billing operations, rent billing data is created based on the rent billing start month, and a deduction eligibility determination process is performed to determine whether the rent billing data is eligible for deduction billing. Specifically, as shown in FIG. 7, in this embodiment, if the deduction start month is after the rent billing start month or if there is insufficient account data, it is deemed NG and the rent billing data is not eligible for deduction requests.

As shown in FIG. 7, in this embodiment, the product master 106a is referenced to execute the mid-day dropout determination process, and if the mid-day dropout guarantee category of the product of the target contract corresponding to the rent billing data for which a deduction request is not possible is determined to be 1: yes, the target contract is determined to be a mid-day dropout target, and if the mid-day dropout guarantee category of the product of the target contract corresponding to the rent billing data for which a deduction request is not possible is determined to be 0: no, the target contract is determined to be a defaulter (the contractor is a defaulter).

On the other hand, as shown in Figure 7, in this embodiment, if the deduction start date is before the rent billing start date and there is no incomplete account data, it is deemed OK, the rent billing data is made the subject of a deduction request, and the process moves on to the subsequent deduction billing process.

As shown in FIG. 8, in this embodiment, in the debit billing process, debit billing data is created for the rent billing data that is the subject of the debit request.

As shown in FIG. 8, in this embodiment, in the debit result reflection operation, a request is made to the collection agency to debit the account based on the debit request data, and the debit result sent from the collection agency is imported to create the debit result reflection data.

As shown in FIG. 8, in this embodiment, if the transfer result code, which is the debit result set in the debit result reflection data, is judged to be 0 (normal), it is deemed OK, the deposit is applied to the rent billing data, the deposit completion flag in the debit result reflection data is updated from not yet to completed, and the deposit data and deposit reconciliation data are created.

On the other hand, as shown in FIG. 8, in this embodiment, if the transfer result code, which is the withdrawal result set in the withdrawal result reflection data, is judged to be 0: other than normal, it is determined to be NG, the product master 106a is referenced and the mid-payment determination process is executed, and if the mid-payment guarantee category of the product of the target contract corresponding to the withdrawal result reflection data is judged to be 1: yes, and the transfer result code, which is the withdrawal result set in the withdrawal result reflection data, is not judged to be 1: insufficient funds, the target contract is determined to be a mid-payment target, and if the mid-payment guarantee category of the product of the target contract corresponding to the withdrawal result reflection data is judged to be 0: no, or the transfer result code, which is the withdrawal result set in the withdrawal result reflection data, is judged to be 1: insufficient funds, the target contract is determined to be a defaulter (the contract holder is a defaulter).

In this way, in this embodiment, in a collection agency type rent guarantee product, a function is provided to remove a person from the defaulter flag in the event of a mid-payment failure, which occurs when a payment is not made despite the intention to pay due to reasons such as insufficient account. In other words, in this embodiment, a mid-payment failure guarantee category is provided on the product master 106a, and if the mid-payment failure guarantee category is valid, a function is provided to remove a person from the defaulter flag if there is a difference between the rent billing start month and the deduction start month.

4. Other embodiments
The present invention may be embodied in various different embodiments other than those described above within the scope of the technical concept set forth 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 or part of the processes described as being performed manually can be performed automatically using a known method.

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

Furthermore, with regard to the rent guarantee management device 100, each component shown in the figure is a functional concept and does not necessarily have to be physically configured as shown in the figure.

For example, the processing functions of the rent guarantee management device 100, particularly the processing functions performed by the control unit 102, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded on a non-transient computer-readable recording medium that contains programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the rent guarantee management device 100 as needed. That is, a computer program is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive) to work with the OS to give instructions to the CPU and perform various processes. This computer program is executed by being loaded into RAM, and works with the CPU to form the control unit.

In addition, this computer program may be stored in an application program server connected to the rent guarantee management device 100 via any network, and it is also possible to download all or part of it as needed.

In addition, the program for executing the processing described in this embodiment may be stored on a non-transitory computer-readable recording medium, and may also be configured as a program product. Here, the term "recording medium" refers to a memory card, a USB (Universal Serial Bus) memory, a SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical disk), a DVD (Digital Versatile This includes any "portable physical media" such as a Blu-ray (registered trademark) Disc, and a Blu-ray (registered trademark) Disc.

A "program" is a data processing method written in any language or description method, and may be in any format, such as source code or binary code. Note that a "program" is not necessarily limited to a single configuration, but also includes a distributed configuration consisting of multiple modules or libraries, and a program that works in conjunction with a separate program, such as an OS, to achieve its function. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in this embodiment, as well as the installation procedure after reading, can use well-known configurations and procedures.

The various databases stored in the memory unit 106 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 store various programs, tables, databases, and web page files used for various processes and providing websites.

The rent guarantee 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. The rent guarantee management device 100 may also be realized by implementing software (including programs or data, etc.) that causes the device to realize the processing described in this embodiment.

Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the figures, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various additions or functional loads. In other words, the above-mentioned embodiments can be implemented in any combination, or the embodiments can be implemented selectively.

The present invention is useful in industries such as the financial industry that provides rent guarantees.

REFERENCE SIGNS LIST 100 Rent guarantee management device 102 Control unit 102a Product registration unit 102b Contract accounting unit 102c Rent billing creation unit 102d Withdrawal billing creation unit 102e Withdrawal result reflection unit 102f KPI acquisition unit 104 Communication interface unit 106 Memory unit 106a Product master 106b Contract database 106c Transaction database 108 Input/output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims (11)

A rent guarantee management device having a memory unit and a control unit,
The storage unit is
A product storage means for storing a product master in which a proxy method for the rent guarantee product, a mid-term guarantee classification for identifying whether or not there is a mid-term guarantee, and a mid-term guarantee period are set;
A contract storage means for storing contract data including a contractor, the contracted rent guarantee product, the deduction start date, and account deficiency data for identifying whether or not there is an account deficiency;
Equipped with
The control unit is
A rent claim creation means for creating rent claim data for a target month for which the rent guarantee product is set based on the contract data;
a debit request creation means for setting the rent billing data as an object for which debit requests cannot be made when the target year and month has not yet reached the debit start year and month set in the contract data, or when the account deficiency data of the contract data is set as the account being deficient, and for the rent guarantee product set in the rent billing data as an object for which debit requests cannot be made, when the mid-break guarantee classification of the product master is set as the mid-break guarantee being present, creating debit request data for the target year and month for which the rent billing data is set as the mid-break target ;
a debit result reflecting means for creating debit result reflecting data for the target month by setting the debit result in the debit request data;
A rent guarantee management device comprising: The debit invoice creation means
The rent guarantee management device of claim 1, characterized in that when the target year and month reaches the deduction start year and month set in the contract data and the account deficiency data of the contract data is set to no account deficiency, the rent billing data is set to the deduction request target, and the deduction billing data is created based on the product master and the contract data, with the rent billing data set as not subject to the mid-way dropout. The debit invoice creation means
Furthermore, the rent guarantee management device as described in claim 1 is characterized in that, for a rent guarantee product set in the rent billing data that is not subject to a deduction request, if the mid-term guarantee classification of the product master is set to no mid-term guarantee, the rent billing data is additionally set to not be subject to the mid-term guarantee, and the billing amount included in the rent billing data is additionally set as the overdue amount. The withdrawal result reflection data is
The rent guarantee product is set,
The withdrawal result reflecting means is
Furthermore, when the withdrawal result in the withdrawal result reflection data is not set to normal, the mid-term guarantee category of the product master is set to ``with mid-term guarantee'' for the rent guarantee product set in the withdrawal result reflection data, and the withdrawal result is not set to ``insufficient funds,'' the rent guarantee management device as described in claim 1 or 2 is characterized in that the mid-term guarantee category of the product master is set to ``with mid-term guarantee'' for the rent guarantee product set in the withdrawal result reflection data, and the mid-term guarantee category is set to ``without mid-term guarantee'' for the rent guarantee product set in the withdrawal result reflection data, and The withdrawal result reflecting means is
Furthermore, when the withdrawal result in the withdrawal result reflection data is not set to normal, and the mid-way guarantee classification of the product master for the rent guarantee product set in the withdrawal result reflection data is set to no mid-way guarantee, or the withdrawal result is set to insufficient funds, the rent guarantee management device as described in claim 4 is characterized in that the billing amount included in the withdrawal result reflection data is additionally set as the overdue amount. The withdrawal result reflecting means is
Further, a rent guarantee management device as described in any one of claims 1 to 3, characterized in that when the debit result of the debit result reflection data is set to normal, a deposit completion identifier is additionally set in the debit result reflection data, and a deposit process is executed for the rent billing data, thereby obtaining deposit data and deposit reconciliation data. The control unit is
a KPI acquisition means for acquiring key performance indicators for the contract data based on the contract data and the withdrawal result reflection data;
7. The rent guarantee management device according to claim 1, further comprising: The KPI acquisition means includes:
The rent guarantee management device as described in claim 7, characterized in that, based on the contract data and the deduction result reflection data, the delinquency occurrence rate, which is the quotient when the number of delinquent cases in the target year and month is used as the dividend and the total number of contracts is used as the divisor, is obtained as the key performance indicator. The KPI acquisition means includes:
The rent guarantee management device as described in claim 7, characterized in that, based on the contract data and the deduction result reflection data, the recovery rate, which is the quotient when the amount of reimbursement recovery from defaulters for the target month is used as the dividend and the amount paid in advance for the target month is used as the divisor, is obtained as the key performance indicator. A rent guarantee management method to be executed by a rent guarantee management device having a memory unit and a control unit,
The storage unit is
A product storage means for storing a product master in which a proxy method for the rent guarantee product, a mid-term guarantee classification for identifying whether or not there is a mid-term guarantee, and a mid-term guarantee period are set;
A contract storage means for storing contract data including a contractor, the contracted rent guarantee product, the deduction start date, and account deficiency data for identifying whether or not there is an account deficiency;
Equipped with
The control unit executes
A rent claim creation step of creating rent claim data for a target month for which the rent guarantee product is set based on the contract data;
a debit request creation step of setting the rent billing data as an object for which debit requests cannot be made if the target date and month has not yet reached the debit start date and month set in the contract data, or if the account deficiency data of the contract data is set as having an account deficiency, and creating debit request data for the target date and month set in the rent billing data as an object for which debit requests cannot be made if the mid-break guarantee category of the product master is set as having the mid-break guarantee;
a debit result reflection step for creating debit result reflection data for the target month in which a debit result is set in the debit request data;
A rent guarantee management method comprising: A rent guarantee management program to be executed by a rent guarantee management device having a memory unit and a control unit,
The storage unit is
A product storage means for storing a product master in which a proxy method for the rent guarantee product, a mid-term guarantee classification for identifying whether or not there is a mid-term guarantee, and a mid-term guarantee period are set;
A contract storage means for storing contract data including a contractor, the contracted rent guarantee product, the deduction start date, and account deficiency data for identifying whether or not there is an account deficiency;
Equipped with
In the control unit,
A rent claim creation step of creating rent claim data for a target month for which the rent guarantee product is set based on the contract data;
a debit request creation step of setting the rent billing data as an object for which debit requests cannot be made if the target date and month has not yet reached the debit start date and month set in the contract data, or if the account deficiency data of the contract data is set as having an account deficiency, and creating debit request data for the target date and month set in the rent billing data as an object for which debit requests cannot be made if the mid-break guarantee category of the product master is set as having the mid-break guarantee;
a debit result reflection step for creating debit result reflection data for the target month in which a debit result is set in the debit request data;
A rent guarantee management program to implement this.

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