JP7573346B2 - Debt management system, debt management program, and debt management method - Google Patents

Description

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

Recently, digitalization of business operations has been promoted, and many industries are eliminating paper documents and changing to operations using electronic data. In this environment, when a user applied for a loan contract at a financial institution, information regarding the contract and repayment was provided in paper form.

In a situation where only paper documents were provided, users who applied for a loan had no choice but to store the documents themselves or transcribe them into electronic data and manage them, which was inconvenient. As a result, when applying for further loans at other financial institutions, the staff at the other financial institutions had to refer to the documents that the user had brought with them, or to data that may have been transcribed incorrectly, which was a big burden.

The objective of at least one embodiment of the present invention is to provide a loan management system that can increase the convenience of information related to loans and reduce the management burden.

The loan management system according to the present invention is a loan management system comprising a terminal device having a display unit and a server device connectable to the terminal device through communication, and is provided with a read pattern storage means for storing a read pattern for reading information relating to loans having a predetermined data structure, a loan information reading means for reading information relating to loans based on the read pattern, a loan information registration means for registering the read information relating to loans, and a loan display means for displaying the registered information relating to loans on the display unit.

In the loan management system according to the present invention, the read pattern storage means stores a plurality of read patterns, the loan management system further includes a read pattern selection means that accepts a selection of a read pattern by a user operation, and the loan information reading means preferably reads information relating to the loan based on the selected read pattern.

The loan management system according to the present invention preferably includes a read pattern addition means for accepting the addition of the read pattern through a user operation.

It is preferable that the loan management system according to the present invention is provided with a data output means for outputting data that has been processed into a format that can be imported by other systems.

In the loan management system according to the present invention, the information about the loan includes information about the loan contract, and it is preferable that the loan management system is provided with a repayment amount calculation means for calculating the repayment amount for each specified period based on the information about the loan contract.

In the loan management system according to the present invention, it is preferable that the loan display means displays the total repayment amount for each specified period when there are loans from multiple financial institutions.

In the loan management system according to the present invention, it is preferable that the read patterns include a read pattern that includes the repayment amount for each predetermined period and a read pattern that does not include the monthly repayment amount.

The loan management system according to the present invention preferably includes a function control means for controlling executable functions based on information about an account logged into the loan management system.

In the loan management system according to the present invention, it is preferable that the function control means controls whether or not the read pattern addition means is executed.

The loan management program of the present invention is a loan management program executed on a server device of a loan management system that includes a terminal device having a display unit and a server device that can be connected to the terminal device via communication, and the server device is realized as a loan management program that realizes the server device as a read pattern storage means that stores a read pattern for reading information relating to loans having a predetermined data structure, a loan information reading means that reads information relating to loans based on the read pattern, a loan information registration means that registers the read information relating to loans, and a loan display means that displays the registered information relating to loans on the display unit.

The loan management method according to the present invention is a loan management method executed in a loan management system that includes a terminal device having a display unit and a server device that can be connected to the terminal device through communication, and the method reads information about the loan based on a read pattern for reading information about the loan having a predetermined data structure, registers the read information about the loan, and displays the registered information about the loan on the display unit.

The present invention provides a loan management system that improves the convenience of information related to loans and reduces the burden of management.

1 is a block diagram showing a configuration of a system corresponding to at least one of the embodiments of the present invention. 1 is a block diagram showing a functional configuration of a system according to at least one embodiment of the present invention; FIG. 2 is a diagram illustrating an example of a structure of data read by a system according to at least one of the embodiments of the present invention. FIG. 2 is a diagram illustrating an example of a structure of data read by a system according to at least one of the embodiments of the present invention. FIG. 11 is a diagram illustrating an example of a flowchart of an execution process according to at least one of the embodiments of the present invention. FIG. 13 is a diagram illustrating a loan list screen corresponding to at least one of the embodiments of the present invention. FIG. 11 is a diagram illustrating an example of a flowchart of a data reading process according to at least one of the embodiments of the present invention. FIG. 11 is a diagram for explaining a condition change according to at least one of the embodiments of the present invention. FIG. 11 is a diagram illustrating a pattern registration screen according to at least one of the embodiments of the present invention.

The following describes an embodiment of the present invention with reference to the attached drawings. The following description of the effects is one aspect of the effects of the embodiment of the present invention, and is not limited to those described here. In addition, the order of each process constituting the flowchart described below is random as long as no contradictions or inconsistencies occur in the process content.

[First embodiment]
In the first embodiment of the present invention, a loan management system (hereinafter, simply referred to as the "system") is described that includes a terminal device having a display unit and a server device that can be connected to the terminal device via communication.

Figure 1 is a block diagram showing a system configuration corresponding to at least one embodiment of the present invention. As shown in the figure, the loan management system may be composed of a server device 2, multiple terminal devices 3 (terminal devices 3a, 3b, ...) that can be operated by multiple users (users A, B, ...), and a communication network 4. The terminal devices 3 may be connected to the server device 2 via the communication network 4. Note that the server device 2 and the terminal devices 3 do not need to be constantly connected, but may be connected as needed.

The server device 2 may include, for example, a control unit, a RAM (Random Access Memory), a storage unit, and a communication interface unit (not shown). Each of these may be connected via an internal bus.

The control unit of the server device 2 is composed of a CPU (Central Processing Unit), a ROM (Read Only Memory), etc. The control unit executes programs stored in the storage unit and controls the server device 2. The control unit may also include an internal timer that measures time.

The RAM of the server device 2 is the work area of the control unit. The storage unit of the server device 2 is a memory area for saving programs and data. The control unit reads the necessary programs and data from the RAM and performs processing.

The communication interface of the server device 2 is connected to the communication network 4 wirelessly or via a wired connection, and transmits and receives operation instruction information and the like to and from external terminal devices and/or server devices as necessary.

The terminal device 3 may include, for example, a control unit, a RAM (Random Access Memory), a storage unit, a sound processing unit, a graphics processing unit, a drive capable of reading a recording medium, a communication interface, and an interface unit (not shown). Each of these may be connected via an internal bus.

The control unit of the terminal device 3 is composed of a CPU (Central Processing Unit), a ROM (Read Only Memory), etc. The control unit executes programs stored in the storage unit or recording medium, and controls the terminal device 3. The control unit may also include an internal timer that measures time.

The RAM of the terminal device 3 is the work area of the control unit. The storage unit is a memory area for saving programs and data.

The drive of the terminal device 3 is capable of reading information from recording media such as DVD-ROMs and CD-ROMs on which programs are stored. The recording media can store programs and data for executing programs and playing content. Programs and other data read by the drive are loaded into RAM.

The control unit reads the necessary programs and data from the RAM and performs processing. By processing the programs and data loaded into the RAM, the control unit outputs instructions for sound output to the sound processing unit and outputs drawing commands to the graphics processing unit.

The sound processing unit of the terminal device 3 is connected to a sound output device, which is a speaker. When the control unit outputs a sound output instruction to the sound processing unit, the sound processing unit outputs a sound signal to the sound output device.

The graphics processing unit of the terminal device 3 may be connected to a display device of the terminal device 3. The display device has a display screen, and the display screen may be structured to accept input by touch. When the control unit outputs a drawing command to the graphics processing unit, the graphics processing unit develops an image in a frame memory (frame buffer) and outputs a video signal for displaying the image on the display screen. The graphics processing unit draws one image in units of frames. The frame rate is, for example, 1/30th of a second.

An input unit such as a controller or keyboard can be connected to the interface unit of the terminal device 3. Information input by the user to the input unit is stored in the RAM, and the control unit executes various arithmetic processes based on the input information. An external storage medium such as a memory card can also be connected to the interface unit. In accordance with instructions from the control unit, the interface unit performs a process of storing data related to the progress of the content stored in the RAM in the external storage medium, and a process of reading data stored in the external storage medium and transferring it to the RAM.

The communication interface of the terminal device 3 is connected to the communication network 4 wirelessly or via a wired connection, and transmits and receives operation instruction information and the like to and from external terminal devices and/or server devices as necessary.

Similar to the terminal device 3, the server device 2 may be equipped with a drive, an interface unit, etc., and configured to be able to use a storage medium.

[Functional configuration]
Next, the functions of the loan management system will be described. Fig. 2 is a block diagram showing the configuration of the functions of the system, which corresponds to at least one of the embodiments of the present invention.

The loan management system 1 may include an account type discrimination unit 1001, a read pattern selection reception unit 1002, a read pattern storage unit 1003, a loan information read unit 1004, a loan information registration unit 1005, a loan display unit 1006, a period-by-period repayment amount summation unit 1007, a read pattern addition unit 1008, an output pattern addition unit 1009, an output pattern selection reception unit 1010, and a data output unit 1011.

The account type discrimination unit 1001 has a function of discriminating the type of account logged into the loan management system. The read pattern selection receiving unit 1002 has a function of receiving the selection of a read pattern by a user operation. The read pattern storage unit 1003 has a function of storing a read pattern for reading information related to loans having a specified data structure.

The loan information reading unit 1004 has a function of reading information about loans based on a reading pattern. The loan information registration unit 1005 has a function of registering the information about the loans that has been read. The loan display unit 1006 has a function of displaying the registered information about loans on the display unit.

The period-specific repayment amount totalization unit 1007 has a function of totaling the repayment amount for each specified period. The read pattern addition unit 1008 has a function of accepting the addition of a read pattern by user operation.

The output pattern addition unit 1009 has a function of accepting the addition of an output pattern through a user operation. The output pattern selection acceptance unit 1010 has a function of accepting the selection of an output pattern through a user operation. The data output unit 1011 has a function of outputting data that has been processed into a format that can be imported by other systems.

The loan information registration unit 1005 may include a loan information reception unit 1101, a repayment amount calculation unit 1102, and a repayment amount allocation unit 1103.

The loan information receiving unit 1101 has a function of receiving input of information related to the loan through user operation. The repayment amount calculation unit 1102 has a function of calculating the repayment amount for each specified period based on information related to the loan contract. The repayment amount allocation unit 1103 has a function of allocating the repayment amount for each specified period calculated by the repayment amount calculation unit 1102 as the repayment amount for each specified period.

[Read data]
The information on loans read by the loan management system 1 has a predetermined data structure that can be read by the loan information reading unit 1004. Fig. 3 is a diagram for explaining an example of the structure of data read by the system, which corresponds to at least one of the embodiments of the present invention.

Figure 3 (A) is a diagram showing only the loan contract information. Figure 3 (B) is a diagram showing the loan contract information and detailed information regarding monthly repayments. In both figures, rows (R1, R2, ...) and columns (C1, C2, ...) are shown for ease of explanation, but this information is not required for the data structure.

In the following explanation, values expressed as a matrix are represented as (R, C). For example, (R1, C1) represents the value "1402" in row R1 and column C1.

The values in Figure 3 (A) will be explained. (R1, C1) represent the financial institution code. The financial institution code is a code that can uniquely identify a financial institution. (R2, C1) represent the loan date (loan decision date).

(R3,COL1) is the borrowing date, (R3,C2) is a code indicating the repayment date, (R3,C3) is the borrowing period, (R3,C4) is the grace period, and (R3,C5) is the repayment interval (in months, for example). For example, the code indicating the repayment date is "01" for the 1st, "15" for the 15th, and "99" for the last day.

(R4, C1) indicates the loan amount. (R5, C1) indicates the code indicating the repayment method. For example, the code indicating the repayment method is "1" which indicates the equal principal payment method, and "2" which indicates the equal principal and interest payment method. Here, the equal principal payment method refers to a repayment method in which the principal amount of the monthly repayment amount is constant. The equal principal and interest payment method refers to a repayment method in which the monthly repayment amount is constant.

(R6, C1) represents the existing repayment amount. (R7, C1) represents whether or not a guarantee association is used. For example, "0" represents no use and "1" represents use. (R8, C1) represents the interest rate (unit: percentage).

Each value in Figure 3 (B) will be explained. The values R1 to R8 are the same as those in Figure 3 (A), so explanations will be omitted.

(R9, C1) represents the scheduled date of the first payment. (R9, C2) represents the scheduled payment amount. (R9, C3) represents the breakdown of the payment amount, showing the principal portion. (R9, C4) represents the breakdown of the payment amount, showing the interest portion. (R9, C5) represents the remaining balance after payment. (R9, C6) represents the number of days to be paid.

Lines R10 to R20 contain payment information for the second to twelfth payments, and their structure is the same as that of line R9.

The data structure shown in FIG. 3 is a display of the data read by the loan management system 1 in a way that allows the user to understand the meaning, and does not have to be the structure shown. The data content is an example and is not limited to this. The data structure may be such that, for example, when a specified reading process is performed, the same reading result can be obtained. The read data handled by the loan management system 1 may be, for example, in PDF format, CSV format, text format, or any other data that can be handled by a computer device.

The software that reads the data may be existing software (e.g., a spreadsheet software or a text editor) or dedicated software. The data to be read is preferably data issued by a financial institution, and is preferably data that cannot be edited after it is issued.

"Reading data" may refer to, for example, reading electronic data provided by a financial institution as is, or reading the data after processing it. If the information is provided on paper, the user may read the electronic data by scanning the data, etc.

An example of reading data with a different structure will be described. FIG. 4 is a diagram illustrating an example of the structure of data read by the system, corresponding to at least one of the embodiments of the present invention. The data shown in FIG. 4 has a different data structure from the data shown in FIG. 3. Data with a different data structure refers to, for example, data issued by different financial institutions. Different financial institutions refer to different ordinary banks, trust banks, cooperative financial institutions, securities companies, insurance companies, public financial institutions, etc. The nationality of the financial institutions does not matter, and the currency unit is not limited to the yen.

Figure 4 (A) is an example of read data, which is repayment schedule data issued by Alpha Shinkin Bank. The data shown in Figure 4 may include cells for item names. An item name cell is a cell that has a fixed value determined by the issuing financial institution, such as "branch number" in (R1, C1) in Figure 4 (A). The value corresponding to "branch number" in (R1, C1) is "007" in (R2, C1). As a general rule, there is a cell with a corresponding value one row below the item name cell, but as an exception, there are cases where a corresponding value exists in a cell in (R3, C2), such as "joint debtor name" in (R3, C1).

Figure 4 (B) is an example of read data, which is repayment schedule data issued by Bank β. As with the read data in Figure 4 (A), there are cells indicating item names. However, the number of item name cells and the contents included in the read data may differ for each issuing institution. The loan management system 1 disclosed herein is capable of registering a read pattern for each type of data in advance, and is capable of reading read data according to the read pattern. The type of data may be designed to differ for each issuing institution. Furthermore, it is preferable that the read data can uniquely identify the issuing institution. By storing the issuing institution in association with the read pattern, it is possible to identify the issuing institution simply by reading the read data, and further to read data using the identified read pattern.

The loan management system 1 of the present disclosure is capable of registering multiple read patterns, and can automatically read data without human intervention, enhancing convenience. Data issued by financial institutions may also be obtained via the Internet and read by the loan management system 1. In this way, the financial institution's system and the loan management system 1 of the present disclosure may be linked. The read data issued by the financial institution may be a loan repayment schedule (repayment schedule data) or a loan-related certificate, as shown in FIG. 4.

[Processing flow]
Next, a processing procedure of the system according to the embodiment of the present invention will be described below. Fig. 5 is a diagram showing an example of a flowchart of an execution process corresponding to at least one of the embodiments of the present invention.

The loan management system 1 accepts input of the user's login information and executes the login process (step S1). The login process, for example, accepts input of a login account and password, compares them with the combination of the login account and password pre-stored in the storage unit of the server device 2 included in the loan management system 1, and if they match, determines that login is possible and continues the process. The login account can be, for example, an account issued by the loan management system 1 itself, the user's email address, phone number, etc.

Next, the loan management system 1 controls the process based on the type of logged-in account. That is, if the logged-in account in step S1 is a user account, a list of loans is displayed with a menu (not shown) selectable (step S2).

On the other hand, if the logged-in account is, for example, an account of a financial institution such as a bank account, the list of loans is displayed with the menu unselectable (step S11). Here, the menu may be displayed without making it unselectable, and a menu for the financial institution may be displayed.

[Loan list screen]
6 is a diagram illustrating a loan list screen corresponding to at least one of the embodiments of the present invention. The loan list screen may include a loan repayment list 110 and a balance trend 130. The loan repayment list 110 and the balance trend 130 display information about the loan associated with the account logged in at step S1.

The loan list screen has a function that allows the display period of the displayed information to be changed. The display period 101 can be changed by user operation. The loan management system 1 accepts the setting of the start and end periods of the display period 101, and when it accepts the user pressing the display button 102, it displays the loan repayment list 110 and balance trend 130 for the set display period.

The loan repayment list 110 may include, by way of example, financial institution code 111, financial institution name 112, length 113, remaining number of payments 114, borrowing date 115, repayment date 116, guarantee 117, interest rate 118, principal amount for each month 119, and interest 120. Principal amount 119 represents the amount of each month's repayment that corresponds to the reduction in principal. Interest 120 represents the amount of each month's repayment that corresponds to interest.

The units for displaying the principal 119 and interest 120 are determined based on the payment units of the loan. This is often monthly, but is not limited to this and may be daily, annual, or bimonthly.

The information shown in the loan repayment list is information that is registered in the loan management system 1 by executing the data reading process described below. Furthermore, the loan repayment list 110 may include a total 121 and a grand total 122. The total 121 represents the total value of the principal 119 or interest 120 for each month for each financial institution code. The grand total 122 represents the total value of the sum 121 of the principal 119 or the sum 121 of the interest 120 for each month.

The balance trend 130 may include, by way of example, the financial institution code 111, financial institution name 112, length 113, remaining number of times 114, borrowing date 115, repayment date 116, guarantee 117, interest rate 118, monthly balance 131, and share 132. The financial institution code 111 through interest rate 118 are the same as those displayed in the loan repayment list. The balance 131 represents the remaining balance of the loan after each month's repayment amount has been paid. The share 132 represents the percentage of the total balance amount 121 that is accounted for by the total balance amount 122 for each month.

The above data is an example, and the invention is not limited to this. In the embodiment of the present invention, not all information is essential, and the numerical values are not limited to those shown.

Returning to the flowchart of FIG. 5, if the logged-in account is a user account, the loan management system 1 controls the user to select a specific menu. A menu is, for example, an item that accepts a selection to execute a system function. Examples of menu items include reading data, changing loan conditions, outputting data, and registering or changing a reading pattern or an output pattern.

[Data reading process]
A case where a user selects a data reading menu and executes a data reading process will be described. Fig. 7 is a diagram showing an example of a flowchart of the data reading process corresponding to at least one of the embodiments of the present invention. The loan management system 1 accepts a selection of a reading pattern by a user operation (step S101).

The read pattern is preferably stored in advance, for example, in the storage unit of the server device 2. The read pattern may be different for, for example, banks, credit unions, consumer finance companies, etc., and each financial institution may have its own unique pattern. Also, one financial institution may use multiple patterns depending on, for example, the purpose of the loan.

Next, the loan management system 1 accepts the selection of the data to be read by the user (step S102). If the data to be read can be uniquely identified by the defined absolute path, this step may be omitted.

Next, the loan management system 1 reads data from the read data selected in step S102 (step S103). Next, the loan management system 1 determines the type of the read data (step S104).

The type of read data may be determined, for example, as shown in FIG. 3, by determining whether the data is contract information only or whether the data includes repayment schedule details. The process of determining the type of read data may be based on the read pattern selected in step S101, or based on the contents of the data read in step S103.

If the data read in step S103 is only contract information, the loan management system 1 creates repayment details data (step S105). Creating repayment details data means calculating the repayment amount for a specified period (e.g., month) based on the number of repayments, repayment date, interest rate, and loan amount. At this time, it is preferable to calculate the repayment amount separately into principal and interest as a breakdown of the repayment amount.

Next, the loan management system 1 allocates the repayment detail data generated in step S105 for each predetermined period (step S106). Allocating for each predetermined period means allocating a repayment date to the calculated repayment amount for each predetermined period.

The assigned data may be data from before the date it was loaded, i.e., actual data on the amount already repaid, or it may be future (planned) data on the amount to be repaid. If it is planned data, a future repayment date is assigned.

After creating and allocating the repayment details data, or if the data read in step S103 contains repayment details information, the loan management system 1 performs a long-term or short-term determination (step S107).

The long-term/short-term determination refers to, for example, determining whether a loan is a long-term loan or a short-term loan when accounting for the loan. A long-term loan, for example, is one with a repayment date of one year or more. A short-term loan, for example, is one with a repayment date of less than one year.

Next, the loan management system 1 registers the data read in step S103 and the data including the repayment details information in the storage (step S108). The registered data is displayed on the loan list screen shown in FIG. 6 and can be confirmed.

[Loan condition change processing]
A case where the user selects the menu for changing conditions and executes the borrowing conditions change process will be described below. Fig. 8 is a diagram for explaining the condition change, which corresponds to at least one of the embodiments of the present invention.

Figure 8 (A) is a diagram showing a list of loan repayments before the loan conditions are changed, corresponding to at least one embodiment of the present invention. The loan conditions with Bank B are as follows: the borrowing date is "May 1, 2021", the repayment start date is "June 1, 2021", the final due date is "March 31, 2030", the loan amount is "300 million yen", the repayment date is "the end of the month", the number of repayments is "53 times", the repayment interval is "2 months", the repayment method is "equal principal", the monthly repayment amount is "5,660,000 yen", and the annual interest rate is "1.5%". Here, for convenience of explanation, a balance trend table is not shown, but it may be displayed.

As shown in FIG. 8(A), repayments begin in June 2021, and data is assigned so that the principal is repaid every other month. The values from January 2028 to March 2028 (reference numbers 141 to 146 in the figure) are as shown.

Here, suppose you apply to change the loan conditions. The changed loan conditions will be to change the principal repayment amount to "500,000 yen" for the period from "January 2028" to "June 2028". The result is reflected in the loan repayment list after the change in loan conditions shown in Figure 8 (B).

The principal amount 141 scheduled for repayment in "January 2028" is set to the revised principal repayment amount of "500,000 yen", and the revised interest payment amount 142 is calculated and set. Similarly, the principal amount 143 scheduled for repayment in "February 2028" is set to the revised principal repayment amount of "500,000 yen", and the revised interest payment amount 144 is calculated and set. These are set up until "June 2028".

In this way, by being able to change the repayment terms midway through the contract, the monthly payment amount can be adjusted, making monthly payments easier for the borrower. Note that, as shown in total interest paid amount 150 in FIG. 8(B), it is possible that the amount to be paid after changing the borrowing terms will be greater than total interest paid amount 150 in FIG. 8(A).

Of course, if you change your loan terms to increase your monthly payments, the total amount of interest you pay may decrease.

Changes to loan terms include, for example, not only changes to the principal payment amount as described above, but also extending the payment period. For example, if the payment period is extended by 12 months, the monthly principal payment amount can be reduced, but the total amount of interest paid will increase. Conversely, if the payment period is shortened by 12 months, the monthly principal payment amount will increase, but the total amount of interest paid will decrease.

[Data output processing]
A case where a user selects a data output menu and executes data output processing will be described. The loan management system 1 has a function of outputting information related to loans registered in the storage unit, using the data output unit 1011, either with the registered data structure or with the data structure processed. Data with the data structure processed is data that has been processed into a format that can be imported by other systems.

In the data output process, the user may select an output pattern. The loan management system 1 outputs data based on the selected output pattern.

The data output format can be any format as long as it can be read by other systems. For example, it can be in image formats such as CSV, PDF, JPEG, or BMP, or a proprietary format defined by other systems.

When the output data is read by another system, it can be read as, for example, the amount to be repaid in the future, and can be used as information to estimate the cash flow of a company, etc. Since data can be exchanged without going through a user, it has the advantage of preventing human error and allowing simple and efficient data management. Data can be linked, for example, via communication. Communication can be, for example, communication using a network, and can use the Internet, telephone network, VPN, etc.

[Pattern registration/change process]
A case where the user selects the pattern registration or change menu and executes the pattern registration process or the pattern change process will be described below. Fig. 9 is a diagram for explaining a pattern registration screen corresponding to at least one of the embodiments of the present invention.

The read pattern registration screen 400 may include a read pattern name 401, which is a string input field for registering a read pattern name, a delimiter 402 that accepts the selection of a delimiter (also called a delimiter or separator) for the read data, a data read button 403, a read data display area 410, a selected data allocation area 420, and a pattern registration button 430.

The read data display area 410 displays the read data divided by the delimiter 402 in each box. The displayed values are used to accept user selection, and the selected value is displayed in the selected data allocation area 420.

The selected data assignment area 420 may include a selected value 421, an assignment item 422 that accepts a selection for assigning a meaning to the selected value, and a reflect button 423.

[Pattern registration process]
Next, the pattern registration process will be described. The user inputs the pattern name to be registered in the read pattern name 401. Next, the user selects the delimiter of the data to be read from the list of delimiters 402. Next, the user presses the data read button 403 to select the data to be read.

The loan management system 1 displays the read data in the read data display area 410. At this time, values separated by delimiters 402 are displayed in each box. The data is displayed in a format that reflects the delimiters and line break characters and conforms to the data structure of the read data.

The read data may be data to which meaning can be assigned when read by the system 1. In other words, although an example is given using delimiters, it may also be data that reads an image and assigns meaning to values present at specific coordinate positions.

The user assigns a meaning to each displayed item of data. The assignment of meaning is performed by selecting a box that contains a value. For example, when the user selects box 411, system 1 visibly indicates that box 411 is selected. System 1 then displays the value of the selected box in selected value 421.

Next, the user selects the meaning of the selected frame value from a list of allocation items 422. The list may include, for example, financial institution code, number of repayments, borrowing date, repayment date, interest rate, etc. It is preferable that the information is related to information included in the loan contract and repayment details.

The user then presses the reflect button 423. This allows the system 1 to temporarily store that the value in the box 411 is the meaning of the assigned item 422. After the user has completed assigning meaning to all values in the boxes displayed in the read data display area 410, the user presses the pattern registration button 430. The system 1 registers the meaning of the temporarily stored values in the storage unit.

As with the registration process, the pattern change process also allows you to update the pattern content by selecting a frame and changing the meaning of the value displayed in the frame.

Note that while the reading pattern has been used as an example, the output pattern used for data output may also be edited by creating and modifying a data pattern in a similar manner.

Returning to the flowchart in Figure 5, when the desired process is completed, the loan management system 1 accepts a logout operation from the user, executes the logout process (step S20), and terminates.

The loan management system detailed above makes it possible to improve the convenience of information related to loans and reduce the burden of management.

In the first embodiment, the processing is executed in the system, but this does not prevent the design from being modified as appropriate, for example, so that the processing is executed by a terminal device or a server device.

In the first embodiment, a flow for determining whether the amount is long or short has been shown, but this is not limiting. For example, the system may be designed so that no determination of long or short is made and the read data contains information regarding the classification of long-term or short-term borrowings.

In the first embodiment, it has been described that the function of a bank account is limited to simply referencing data, but this is not limiting. For example, a function for registering repayment data may be provided in a bank account. This allows the bank to provide information about loans to the user via the disclosed loan management system without outputting repayment data.

As an example of the effect of the present invention in the first embodiment, by providing a loan information reading means, the convenience of information regarding loans can be improved and the burden of management can be reduced.

As an example of the effect of the present invention in the first embodiment, by reading information about loans based on a selected reading pattern, it is possible to improve the convenience of information about loans and reduce the burden of management.

As an example of the effect of the present invention in the first embodiment, by providing a read pattern addition means, the convenience of information regarding loans can be improved and the burden of management can be reduced.

As an example of the effect of the present invention in the first embodiment, by providing a data output means, the data can be read into other accounting systems, etc., thereby improving the convenience of information regarding borrowings.

As an example of the effect of the present invention in the first embodiment, by providing a repayment amount calculation means, loan information can be registered using only the loan contract information, even without repayment details, improving the convenience of information related to loans.

As an example of the effect of the present invention in the first embodiment, when there are loans from multiple financial institutions, the total repayment amount for each specified period can be displayed, making it easy to understand the amount to be repaid for each specified period and reducing the burden of managing information related to loans.

As an example of the effect of the present invention in the first embodiment, the read pattern includes a read pattern that includes repayment amounts for each specified period and a read pattern that does not include monthly repayment amounts, so that information that does not include repayment details can be read, improving the convenience of information related to borrowed money.

As an example of the effect of the present invention in the first embodiment, by providing a function control means for controlling executable functions based on information about an account logged in to the loan management system, it is possible to provide the functions required for the account and reduce the burden on the user.

In the first embodiment, a "terminal device" refers to, for example, a desktop or notebook personal computer, a tablet computer, a PDA, a wearable device, etc., and may be a portable terminal equipped with a touch panel sensor on the display screen. A "server device" refers to, for example, a device that executes processing in response to a request from a terminal device.

In the first embodiment, a "predetermined data structure" refers to, for example, a data structure that provides the same read result when a predetermined read process is performed. "Information related to loans" refers to, for example, information used to identify loans. "Format importable by other systems" refers to, for example, a format that other systems can handle and require in order to read. "Financial institutions" refers to, for example, organizations that conduct business related to financial transactions, and is a concept that includes financial institutions that handle deposits, insurance companies, securities companies, and non-banks. "Separator characters" are also called delimiters or separators, and refer to, for example, symbols or special characters or character sequences that separate elements when multiple elements are written side by side in text data.

[Second embodiment]
In the second embodiment of the present invention, a loan management program executed on a computer device having a display unit will be described. The configuration of the program in the second embodiment can adopt the block diagram showing the configuration of the functions of the system shown in Figure 2 to the extent necessary.

The program in the second embodiment of the present invention may be a program capable of implementing the functions related to the loan management system described in the first embodiment in a computer device.

The present invention has been described in detail above through preferred embodiments, but the present invention is not limited to these and can be implemented in various ways within the scope of the invention.

[Additional Notes]
The above description of the embodiments has been provided so as to enable a person having ordinary skill in the art to which the invention pertains to practice the following invention.

[1] A loan management system comprising a terminal device having a display unit and a server device connectable to the terminal device through communication,
a read pattern storage means for storing a read pattern for reading information relating to borrowings having a predetermined data structure;
a loan information reading means for reading information relating to the loan based on a reading pattern;
a loan information registration means for registering information relating to the loan that has been read;
A loan management system comprising: a loan display means for displaying information regarding the registered loan on the display unit.

[2] The reading pattern storage means stores a plurality of reading patterns,
The loan management system further
a reading pattern selection means for accepting a selection of a reading pattern by a user operation,
The loan management system according to [1], wherein the loan information reading means reads information regarding loans based on a selected reading pattern.

[3] The loan management system further comprises:
The loan management system according to claim 1 or 2, further comprising a read pattern addition means for accepting addition of the read pattern by a user operation.

[4] The loan management system further comprises:
The loan management system according to any one of [1] to [3], further comprising a data output means for outputting data processed into a format that can be imported by other systems.

[5] The information about the loan includes information about the loan contract,
The loan management system further
A loan management system according to any one of [1] to [4], comprising a repayment amount calculation means for calculating a repayment amount for each specified period based on information regarding the loan contract.

[6] A loan management system according to any one of [1] to [5], in which the loan display means displays the total repayment amount for each specified period when there are loans from multiple financial institutions.

[7] A loan management system according to any one of [1] to [6], wherein the read patterns include a read pattern that includes the repayment amount for each of the predetermined periods and a read pattern that does not include the monthly repayment amount.

[8] The loan management system further comprises:
A loan management system as described in any one of [1] to [7], comprising a function control means for controlling executable functions based on information about an account logged in to the loan management system.

[9] The loan management system described in [8], in which the function control means controls whether or not the read pattern addition means can be executed.

[10] A loan management program executed in a server device of a loan management system including a terminal device having a display unit and a server device connectable to the terminal device through communication,
The server device,
a read pattern storage means for storing a read pattern for reading information relating to borrowings having a predetermined data structure;
a loan information reading means for reading information relating to the loan based on a reading pattern;
a loan information registration means for registering information relating to the read loan;
A loan management program that realizes the loan management program as a loan display means for displaying information regarding the registered loan on the display unit.

[11] A server device on which the loan management program described in [10] is installed.

[12] A method for managing a loan executed in a loan management system including a terminal device having a display unit and a server device connectable to the terminal device through communication,
reading information about the loan based on a read pattern for reading information about the loan having a predetermined data structure;
Register the information about the loan you have read,
A loan management method, comprising displaying information about the registered loan on the display unit.

[13] A loan management program executed on a computer device having a display unit,
A computer device,
a read pattern storage means for storing a read pattern for reading information relating to borrowings having a predetermined data structure;
a loan information reading means for reading information relating to the loan based on a reading pattern;
a loan information registration means for registering information relating to the read loan;
A loan management program that realizes the loan management program as a loan display means for displaying information regarding the registered loan on the display unit.

[14] A computer device having the loan management program described in [13] installed.

[15] A method for managing borrowings executed on a computer device having a display unit, comprising:
reading information about the loan based on a read pattern for reading information about the loan having a predetermined data structure;
Register the information about the loan you have read,
A loan management method, comprising displaying information about the registered loan on the display unit.

1: Loan management system 2: Server device 3: Terminal device 4: Communication network

Claims (7)

A loan management system including a terminal device having a display unit and a server device connectable to the terminal device through communication,
a read pattern storage means for storing a read pattern for reading information relating to borrowings having a predetermined data structure;
a loan information reading means for reading information relating to the loan based on a reading pattern;
a loan information registration means for registering information relating to the loan that has been read;
a loan display means for displaying information about the registered loan on the display unit ;
A loan management system, wherein the loan display means displays the total repayment amount for each specified period when there are loans from a plurality of financial institutions . the reading pattern storage means stores a plurality of reading patterns,
The loan management system further
a reading pattern selection means for accepting a selection of a reading pattern by a user operation,
2. The loan management system according to claim 1, wherein said loan information reading means reads information relating to loans based on a selected reading pattern. The loan management system further
3. The loan management system according to claim 1, further comprising a read pattern adding unit that accepts addition of the read pattern through a user operation. The loan management system further
The loan management system according to any one of claims 1 to 3, further comprising a data output means for outputting data that has been processed into a format that can be imported by other systems. The information regarding the loan includes information regarding a loan contract,
The loan management system further
5. The loan management system according to claim 1, further comprising a repayment amount calculation means for calculating a repayment amount for each predetermined period based on information related to the loan contract. A loan management program executed in a server device of a loan management system including a terminal device having a display unit and a server device connectable to the terminal device through communication,
The server device,
a read pattern storage means for storing a read pattern for reading information relating to borrowings having a predetermined data structure;
a loan information reading means for reading information relating to the loan based on a reading pattern;
a loan information registration means for registering information relating to the read loan;
The display unit may display information about the registered loan .
The loan management program, wherein the loan display means displays the total repayment amount for each specified period when there are loans from a plurality of financial institutions . A method for managing a loan executed in a loan management system including a terminal device having a display unit and a server device connectable to the terminal device through communication,
reading information about the loan based on a read pattern for reading information about the loan having a predetermined data structure;
Register the information about the loan you have read,
Displaying information regarding the registered loan on the display unit;
A method of managing loans that displays the total repayment amount for each specified period when there are loans from multiple financial institutions .

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