JP7569345B2 - AUTOMATIC FINANCING CONDITIONS DECISION APPARATUS, AUTOMATIC FINANCING CONDITIONS DECISION METHOD, AND AUTOMATIC FINANCING CONDITIONS DECISION PROGRAM - Google Patents

Description

The present invention relates to an automatic loan condition determination device, an automatic loan condition determination method, and an automatic loan condition determination program.

When conducting an examination for a housing loan or the like, it is necessary to determine the confirmation items (hereinafter simply referred to as "loan conditions") necessary to progress the examination and to manage the progress. For example, Patent Document 1 discloses a technology that compares search information consisting of a branch number, client number, and case number, or input information of a branch number and client number, with approval document information such as a seal certificate, resident's card, insurance card, title certificate, and security interest establishment contract at the time of loan contract to determine whether the contract conditions match, and if they match, generates electronic contract information.

JP 2006-106854 A

However, in technologies such as those described in Patent Document 1 above, the determination of loan conditions and progress management are generally dependent on the operator or decision maker, and the factors required to determine loan conditions are numerous and complex. For this reason, in the past, it took a lot of time to identify the default loan conditions and to determine the final loan conditions, which led to stagnation in the progress of the review.

The present invention has been made in consideration of the above, and aims to provide an automatic loan condition determination device, an automatic loan condition determination method, and an automatic loan condition determination program that can smoothly progress the screening process.

In order to solve the above-mentioned problems and achieve the object, the loan condition automatic determination device of the present invention is an automatic loan condition determination device having a control unit, and is capable of accessing a code master in which an application route is associated with each number, a service master in which the name of the service is associated with each service code, a loan condition master in which the application route, service code, loan condition, completed case status, and revision flag are associated with each loan condition code, a case status master in which the completed case status is associated with each case status code, and fund information data in which at least the number, the service code, and the borrowing amount are associated with each case number, and the control unit is characterized by having an identification unit that refers to the code master, the service master, the loan condition master, the case status master, and the fund information data to identify one or more loan conditions linked to the application route and service of the case, and an output control unit that outputs the one or more loan conditions to a monitor for each case number.

The method for automatically determining loan conditions according to the present invention is a method for automatically determining loan conditions that is executed by an automatic loan condition determination device having a control unit, and is capable of accessing a code master in which an application route is associated with each number, a service master in which the name of a service is associated with each service code, a loan condition master in which the application route, service code, loan condition, completed case status, and revision flag are associated with each loan condition code, a case status master in which the completed case status is associated with each case status code, and fund information data in which at least the number, the service code, and the borrowing amount are associated with each case number, and is characterized in that it includes a specification step executed by the control unit, which refers to the code master, the service master, the loan condition master, the case status master, and the fund information data, and specifies one or more loan conditions linked to the application route and service of the case, and an output control step of outputting the one or more loan conditions to a monitor for each case number.

The automatic loan condition determination program according to the present invention is an automatic loan condition determination program to be executed by an automatic loan condition determination device having a control unit, and is capable of accessing a code master in which an application route is associated with each number, a service master in which the name of a service is associated with each service code, a loan condition master in which the application route, service code, loan condition, completed case status, and revision flag are associated with each loan condition code, a case status master in which the completed case status is associated with each case status code, and fund information data in which at least the number, the service code, and the borrowing amount are associated with each case number, and is characterized in that it includes a specification step for causing the control unit to execute the program, which refers to the code master, the service master, the loan condition master, the case status master, and the fund information data, and specifies one or more loan conditions linked to the application route and service of the case, and an output control step for outputting the one or more loan conditions to a monitor for each case number.

The present invention has the advantage that it is possible to calculate the return fee even when using the two-part residual value method, while maintaining the same business flow as when using the conventional residual value setting method.

FIG. 1 is a schematic diagram showing an overview in a block diagram of an example of the configuration of an automatic loan condition determination device according to an embodiment. FIG. 2 is a diagram illustrating an example of a code master table in the code master stored in the storage unit included in the loan condition automatic determination device according to the embodiment. FIG. 3 is a diagram illustrating an example of a service master table in the service master stored in the storage unit included in the loan condition automatic determination device according to the embodiment. FIG. 4 is a diagram illustrating an example of a loan condition master table in the loan condition master stored in the storage unit included in the loan condition automatic determination device according to the embodiment. FIG. 5 is a diagram illustrating an example of a case status master table in the case status master stored in the storage unit included in the loan condition automatic determination device according to the embodiment. FIG. 6 is a flowchart showing an outline of the process executed by the automatic loan condition determination device according to the embodiment. FIG. 7 is a diagram showing an example of the case information data registered by the case information registration unit. FIG. 8 is a diagram showing an example of a fund information registration screen displayed on the monitor. FIG. 9 is a diagram showing an example of fund information data generated by the fund information registration unit. FIG. 10 is a diagram showing an example of the examination result registration screen displayed on the monitor. FIG. 11 is a diagram illustrating an example of the financing condition data. FIG. 12 is a diagram showing another example of the examination result registration screen displayed on the monitor. FIG. 13 is a diagram showing an example of the financing condition data registered by the examination result registration unit. FIG. 14 is a diagram showing an example of an examination result registration screen displayed on the monitor upon re-call. FIG. 15 is a diagram showing an example of financing condition data at the time of a second call. FIG. 16 is a diagram showing an example of a case summary screen displayed on the monitor.

Below, an embodiment of the automatic loan condition determination device, the automatic loan condition determination method, and the automatic loan condition determination program according to the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to the present embodiment.

[1. Configuration]
An example of the configuration of the automatic loan condition determination device according to the present embodiment will be described with reference to Fig. 1 etc. Fig. 1 is a schematic diagram showing an overview in a block diagram of an example of the configuration of the automatic loan condition determination device.

The loan condition automatic determination device 100 shown in FIG. 1 is a commercially available desktop personal computer. Note that the loan condition automatic determination 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 automatic loan condition determination device 100 includes a control unit 102, a communication interface unit 104, a memory unit 106, and an input/output interface unit 108. Each unit of the automatic loan condition determination device 100 is connected to each other so as to be able to communicate with each other via any communication path.

The communication interface unit 104 communicatively connects the automatic loan condition determination 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 the communication line. Here, the network 300 has a function of connecting the automatic loan condition determination 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 data stored in the memory unit 106 may be stored in the server 200, for example.

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 home television), 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, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

The memory unit 106 stores various databases, tables, files, and the like. The memory 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 memory 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 memory unit 106 stores a code master 106a, a service master 106b, a loan condition master 106c, and a case status master 106d.

The code master 106a stores an application route associated with each number. Figure 2 is a diagram showing an example of a code master table in the code master 106a. As shown in Figure 2, the first row of the code master table T1 stores the application route name "agency" associated with the serial number "1."

The service master 106b stores services in association with each service code. FIG. 3 is a diagram showing an example of a service master table in the service master 106b. As shown in FIG. 3, the first row of the service master table T2 stores the service code "101" in association with the service "New purchase type."

The loan condition master 106c stores, for each loan condition code, the application path, the service code, the loan condition, the completed case status, and the revision flag in association with each other.

Figure 4 is a diagram showing an example of a loan condition master table in the loan condition master 106c. As shown in Figure 4, the first row of the loan condition master table T3 associates and stores the loan condition code "10", application route "3", service code "101", loan condition "The review is based on the required funds (building XXX million yen including various expenses, land XXX million yen). If there is an increase or decrease in the amount, please submit a copy of the addition/change contract etc. that confirms the amount change by the time of returning the contract creation request form. Please note that the review will be re-examined and the review results may change.", completed case status "101 (pre-application received)", and amendment possible flag "TRUE". Also, as shown in FIG. 4, the second row of the loan condition master table T3 stores the loan condition code "11" in association with the application route "3", the service code "101", the loan condition "The interest rate will be applied when the ratio of the loan amount to the required funds exceeds 90%.", the completed case status "110 (waiting for pre-screening and settlement)", and the amendment possible flag "FALSE".

The case status master 106d stores the completed case status in association with each case status code. FIG. 5 is a diagram showing an example of a case status master table in the case status master 106d. As shown in FIG. 5, the first row of the case status master table T4 stores the case status code "101" in association with the state name "Advance application received."

Returning to FIG. 1, the description of the configuration of the automatic loan condition determination device 100 will be continued.
The control unit 102 is a CPU or the like that performs overall control of the loan condition automatic judgment 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. The control unit 102 has a case information registration unit 102a, a fund information registration unit 102b, an identification unit 102c, an output control unit 102d, and an examination result registration unit 102e.

The case information registration unit 102a executes a case information registration process in which the operator operates the input device 112 and registers case information entered on the case information registration screen displayed on the monitor 114.

The funding information registration unit 102b executes a funding information registration process in which the operator operates the input device 112 to register the borrowing amount information for each case number entered on the funding information registration screen.

The identification unit 102c executes a loan condition identification process that refers to the code master 106a, the service master 106b, the loan condition master 106c, the case status master 106d, and the funding information data, and identifies one or more loan conditions that are linked to the application path and service of the case.

The output control unit 102d executes an output process to output and display on the monitor 114 a screening result registration screen that includes one or more loan conditions linked to the application path and services of the case identified by the identification unit 102c.

The screening result registration unit 102e executes a screening result registration process in which the operator operates the input device 112 to generate and register loan condition data that links, for each case number, the loan condition selected from one or more loan conditions displayed on the monitor 114, the completion case status of the selected loan condition, the progress of the selected loan condition, and the loan condition code.

2. Processing Executed by the Financing Conditions Automatic Determination Device 100
Next, a description will be given of the processing executed by the automatic loan condition determination device 100. FIG.

As shown in FIG. 6, first, the case information registration unit 102a executes a case information registration process in which the operator operates the input device 112 to register case information input on the case information registration screen displayed on the monitor 114 (step S101).

Figure 7 is a diagram showing an example of case information data registered by the case information registration unit 102a. As shown in Figure 7, the case information data table T10 stores application routes in association with each case number. Specifically, the first row of the case information data table T10 stores application route "1 (agency)" in association with the case number "221-000673."

Next, the funding information registration unit 102b executes a funding information registration process in which the operator operates the input device 112 to register the borrowing amount information for each case number entered on the funding information registration screen (step S102).

Figure 8 shows an example of a funding information registration screen displayed on the monitor 114. Figure 9 shows an example of funding information data generated by the funding information registration unit 102b.

As shown in FIG. 8, the operator operates the input device 112 to input at least the service serial number (service SEQ), the service code, and the loan amount for each case number on the fund information registration screen P1 displayed on the monitor 114. For example, the operator operates the input device 112 to input the case number "221-000675" on the fund information registration screen P1 displayed on the monitor 114, and in the fund information input table B1, input the service code "101 (Flat 35 purchase type_new)" and the loan amount (10,000 yen) "5,000" into the service serial number NO "1", and input and register the service code "301 (co-financing)" and the loan amount (10,000 yen) "500" into the service serial number NO "2". In this case, the fund information registration unit 102b executes a fund information registration process that generates and registers fund information data according to the input results entered on the fund information registration screen P1.

As shown in FIG. 9, the funds information data table T11 stores, for each case number, a service number (service SEQ), a service code (service CD), and a loan amount in association with each other. Specifically, the first row of the funds information data table T11 stores, for the case number "221-000675", at least a service serial number (service SEQ) of "1", a service code (service CD) of "101", and a loan amount of "50,000,000" in association with each other.

Returning to FIG. 5, the description of step S103 and subsequent steps will be continued.
In step S103, the identifying unit 102c executes a loan condition identifying process to identify one or more loan conditions linked to the application path and the service of the project by referring to the code master 106a, the service master 106b, the loan condition master 106c, the case status master 106d, and the fund information data. Specifically, the identifying unit 102c identifies loan conditions linked to the service codes "101" and "301" included in the fund information data shown in Fig. 9 from the loan condition master table T3 in the loan condition master 106c. For example, the identifying unit 102c identifies the item of the loan condition code "95" from the loan condition master table T3 as a loan condition linked to the service code "301".

Next, the output control unit 102d executes an output process to output and display on the monitor 114 a screening result registration screen including one or more loan conditions linked to the application path and services of the case identified by the identification unit 102c (step S104).

Figure 10 is a diagram showing an example of a screening result registration screen displayed by monitor 114. As shown in Figure 10, screening result registration screen P2 includes case number "221-000675" and loan condition table B2 that includes one or more loan conditions linked to the application path and services of the case identified by identification unit 102c.

In the loan condition table B2, for each number, a check box for selecting the loan condition, the loan condition, a completed case status indicating the status when the loan condition should be completed (initial display in the loan condition master 106c), and either a completed or uncompleted state are displayed in correspondence with each other.

Furthermore, the output control unit 102d refers to the modifiable flag for each loan condition code in the loan condition master table T3 in the loan condition master 106c, and displays the loan conditions that can be modified by the operator using the input device 112 and the loan conditions that cannot be modified in the loan condition table B2 in a distinguishable manner. Specifically, the output control unit 102d refers to the modifiable flag for each loan condition code in the loan condition master table T3 in the loan condition master 106c, and displays the loan conditions that can be modified by the operator using the input device 112 and the loan conditions that cannot be modified in the loan condition table B2 in a distinguishable manner. For example, as shown in FIG. 10, the output control unit 102d displays the items of the loan conditions that cannot be modified by the operator using the input device 112 in the loan condition table B2 in a grayed-out manner (represented by hatching in FIG. 10), thereby displaying them in a distinguishable manner from the items of the loan conditions that can be modified by the operator using the input device 112. This allows the operator to intuitively grasp the loan conditions that can be modified and the loan conditions that cannot be modified.

Also, as shown in FIG. 10, the output control unit 102d displays the completed case status and completed/uncompleted on the monitor 114 in the same state as the amendable loan conditions, without graying them out, so that the operator can amend each of them using the input device 112. This allows the operator to understand that the completed case status and completed/uncompleted can each be amended.

Figure 11 is a diagram showing an example of loan condition data. As shown in Figure 11, the loan condition data table T12 stores loan condition codes, loan conditions, completed case status, and completed/uncompleted for each case number in association with each other. At the time shown in Figure 10, as shown in Figure 11, the loan condition data does not store loan conditions linked to the case number.

Returning to FIG. 5, the description of step S105 and subsequent steps will be continued.
In step S105, the screening result registration unit 102e executes a screening result registration process in which the operator operates the input device 112 to link the loan conditions selected on the screening result registration screen P2 to the case number (step S105).

Figure 12 is a diagram showing another example of the screening result registration screen displayed by the monitor 114. In this case, as shown in Figure 12, when the monitor 114 displays the screening result registration screen P2, the output control unit 102d displays a check mark "R" indicating that the operator has selected the check box B of the loan condition selected by the operator using the input device 112. At this time, the operator operates the input device 112 to select the completed case status and completed/uncompleted, and ends. In this case, the screening result registration unit 102e executes a screening result registration process to generate loan condition data in which the loan condition selected by the operator is linked to the case number. In the case shown in Figure 12, the screening result registration unit generates loan condition data by linking the loan conditions No. "1", "3", "4", and "8" to the case number "221-000675". At this time, the screening result registration unit 102e generates loan condition data by reflecting the contents of the loan condition selected by the operator according to the modification operation performed on the loan case that can be modified.

Figure 13 is a diagram showing an example of loan condition data registered by the screening result registration unit 102e. As shown in Figure 13, the loan condition data table T13 stores, for each case number, the loan conditions selected by the operator on the screening result registration screen P2 in Figure 12 in association with each case number.

Returning to FIG. 5, the description of step S106 and subsequent steps will be continued.
In step S106, after the loan conditions are registered, if the operator operates the input device 112 and receives an instruction to re-call the loan conditions for the case number, the output control unit 102d executes a call process to display the loan conditions linked to the case number on the screening result registration screen P2.

Figure 14 shows an example of the screening result registration screen displayed on monitor 114 upon re-call. Figure 15 shows an example of loan condition data upon re-call.

As shown in Figures 14 and 15, after the loan conditions are registered, when the operator operates the input device 112 and receives an instruction to re-call the loan conditions for the case number, the output control unit 102d displays the screening result registration screen P2 including the loan conditions linked to the case number on the monitor 114. In this case, the output control unit 102d refers to the loan condition data table T13 and displays the loan conditions linked to the case number in the upper part of the loan condition table B2 on the screening result registration screen P2, and displays one or more loan conditions linked to the application path and services of the case identified by the identification unit 102c in the lower part of the loan conditions linked to the case number.

Furthermore, when there are matching items between the loan conditions in the loan conditions data table T13 linked to the case number and the loan conditions in the loan conditions master table T3, the output control unit 102d prioritizes the loan conditions in the loan conditions data table T13 linked to the case number and displays the loan conditions items in the loan conditions master table T3 hidden or omitted. This makes it possible to prevent duplication of loan conditions.

Returning to FIG. 5, the description of step S107 and subsequent steps will be continued.
In step S107, when the operator or the authorizer operates the input device 112 to input the case number, the output control unit 102d executes a case summary process that displays the progress status of the loan conditions linked to the case number.

Figure 16 is a diagram showing an example of a case summary screen displayed by the monitor 114. As shown in Figure 16, when an operator or an authorizer operates the input device 112 to input a case number, the output control unit 102d outputs and displays on the monitor 114 a case summary screen P3 including a case summary table B3 showing the progress of the loan conditions linked to the case number. In this case, the output control unit 102d displays the loan conditions in a grayed-out manner so that the operator or the authorizer understands that the screening result registration unit 102e will not accept any modification operations to the loan conditions in the case summary table B3. This allows the operator or the authorizer to check a list of uncompleted loan conditions necessary for the progress of the case. After step S107, the loan condition automatic judgment device 100 ends this process.

According to the embodiment described above, the output control unit 102d outputs and displays on the monitor 114 a screening result registration screen including one or more loan conditions linked to the application path and services of the case identified by the identification unit 102c, thereby enabling the screening to proceed smoothly.

In addition, according to the embodiment, the screening result registration unit 102e generates loan condition data that links the loan condition selected from one or more loan conditions displayed for each case number on the monitor 114, the completion case status of the selected loan condition, the progress of the selected loan condition, and the loan condition code for each case number, and registers the data in the memory unit 106, so that the desired loan condition can be linked to the case number with a simple operation.

In addition, according to the embodiment, when an operator or an authorizer operates the input device 112 to input a case number, the output control unit 102d outputs and displays on the monitor 114 a case summary screen P3 including a case summary table B3 showing the progress of the loan conditions linked to the case number, so that the operator or the authorizer can check a list of uncompleted loan conditions necessary for the progress of the case.

In addition, according to the embodiment, the output control unit 102d displays the loan conditions in gray to allow the operator or decision maker to understand that the screening result registration unit 102e will not accept any modification operations to the loan conditions in the case summary table B3, so that the operator or decision maker can intuitively understand that modification operations cannot be performed on the case summary.

Furthermore, according to the embodiment, when there is a matching item between the loan conditions in the loan conditions data table T13 linked to the case number by the output control unit 102d and the loan conditions in the loan conditions master table T3, the loan conditions in the loan conditions data table T13 linked to the case number are given priority, and the items of the loan conditions in the loan conditions master table T3 are hidden or omitted for display, thereby preventing duplication of loan conditions.

Furthermore, according to the embodiment, the output control unit 102d displays the completed case status and the completed/uncompleted status on the monitor 114 in the same state as the amendable loan conditions, without graying them out, so that the operator can amend each of them using the input device 112. This allows the operator to understand that the completed case status and the completed/uncompleted status can be amended.

In addition, according to the embodiment, the screening result registration unit 102e generates loan condition data by reflecting the loan conditions selected by the operator and the content corresponding to the modification operation performed on the loan application that can be modified, so that the content of the loan conditions can be flexible.

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

In addition, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, which can contribute to the achievement of SDGs goals 12, 13, and 15.

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

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.

In addition, with regard to the automatic loan condition determination 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 automatic loan condition determination device 100, particularly the processing functions performed by the control unit, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU, 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 automatic loan condition determination device 100 as necessary. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and cooperates with the CPU to form the control unit.

This computer program may also be stored in an application program server connected to the automatic loan condition determination device 100 via any network, and it may be 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 the embodiments, as well as the installation procedure after reading, can use well-known configurations and procedures.

The various databases stored in the memory unit are storage devices such as RAM, ROM, etc., 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 automatic loan condition determination 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 automatic loan condition determination device 100 may 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 for financial institutions that handle home loans.

100 Automatic loan condition judgment device 102 Control unit 102a Case information registration unit 102b Fund information registration unit 102c Identification unit 102d Output control unit 102e Screening result registration unit 104 Communication interface unit 106 Storage unit 106a Code master 106b Service master 106c Loan condition master 106d Case status master 108 Input/output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims (9)

An automatic loan condition determination device including a control unit,
A code master that associates each number with an application route,
A service master that associates the name of a service with each service code;
A loan condition master in which an application route, a service code, a loan condition, a completed case status, and a modification flag are associated with each other for each loan condition code;
A case status master that corresponds the completed case status to each case status code,
Fund information data in which at least a service number , the service code, and a loan amount are associated with each other for each case number;
Case information data that corresponds to the application route for each case number;
is accessible to
The control unit is
an identification unit that refers to the code master, the service master, the loan condition master, the case status master, and the fund information data, and identifies one or more loan conditions using as search conditions an application route of the case information data and a service code of the fund information data linked to a case number of the case information data ;
an output control unit that outputs the one or more loan conditions to a monitor for each of the project numbers;
To have
An automatic loan condition determination device comprising: The automatic loan condition determination device according to claim 1,
further comprising an examination result registration unit which generates and registers loan condition data in which a loan condition selected from the one or more loan conditions displayed on the monitor for each of the project numbers, a completion project status of the selected loan condition, a progress status of the selected loan condition, and the loan condition code are linked for each of the project numbers;
An automatic loan condition determination device comprising: The automatic loan condition determination device according to claim 2,
The output control unit is
outputting a case summary screen including the loan condition data for each case number onto the monitor;
An automatic loan condition determination device comprising: The automatic loan condition determination device according to claim 3,
The examination result registration unit
not accepting any modification operation to the loan condition data displayed on the case summary screen;
An automatic loan condition determination device comprising: The automatic loan condition determination device according to claim 2,
The output control unit is
After the loan condition data is registered, when an examination result registration screen including the loan condition data and the one or more loan conditions identified by the identification unit is output to the monitor for each case number, if there are loan conditions that overlap between the loan conditions included in the loan condition data and the one or more loan conditions identified by the identification unit, the loan conditions that overlap with the loan conditions included in the loan condition data among the one or more loan conditions identified by the identification unit are not displayed;
An automatic loan condition determination device comprising: The automatic loan condition determination device according to claim 2,
The output control unit is
outputting, in a distinguishable manner, modifiable loan conditions and unmodifiable loan conditions among the one or more loan conditions based on the modifiable flag of the loan condition master;
An automatic loan condition determination device comprising: The automatic loan condition determination device according to claim 6,
The examination result registration unit
registering, as the loan condition data, content corresponding to a modification operation performed on the one or more modifiable loan conditions displayed on the monitor;
An automatic loan condition determination device comprising: A method for automatically determining financing conditions, which is executed by an automatic financing condition determination device having a control unit,
A code master that associates each number with an application route,
A service master that associates the name of a service with each service code;
A loan condition master in which an application route, a service code, a loan condition, a completed case status, and a modification flag are associated with each other for each loan condition code;
A case status master that corresponds the completed case status to each case status code,
Fund information data in which at least a service number , the service code, and a loan amount are associated with each other for each case number;
Case information data that corresponds to the application route for each case number;
is accessible to
Executed by the control unit,
a specification step of referring to the code master, the service master, the loan condition master, the case status master and the fund information data, and specifying one or more loan conditions using as search conditions the application route of the case information data and the service code of the fund information data linked to the case number of the case information data ;
an output control step of outputting the one or more loan conditions to a monitor for each of the project numbers;
containing,
The method for automatically determining loan conditions is characterized by the above. An automatic loan condition determination program to be executed by an automatic loan condition determination device having a control unit,
A code master that associates each number with an application route,
A service master that associates the name of a service with each service code;
A loan condition master in which an application route, a service code, a loan condition, a completed case status, and a modification flag are associated with each other for each loan condition code;
A case status master that corresponds the completed case status to each case status code,
Fund information data in which at least a service number , the service code, and a loan amount are associated with each other for each case number;
Case information data that corresponds to the application route for each case number;
is accessible to
To cause the control unit to execute
a specification step of referring to the code master, the service master, the loan condition master, the case status master and the fund information data, and specifying one or more loan conditions using as search conditions the application route of the case information data and the service code of the fund information data linked to the case number of the case information data ;
an output control step of outputting the one or more loan conditions to a monitor for each of the project numbers;
containing,
The program for automatically determining loan conditions is characterized by the above.

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