JP2006053897A - Real estate collateral management apparatus, real estate collateral management method, and real estate collateral management program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To realize precise and efficient real estate security management by displaying calculated dividend amounts of a plurality of mortgages for each type. <P>SOLUTION: This real estate security management device is provided with a certified copy classification processing means 12 for comparing processing order for comparison determined in advance with set order of the mortgage in registration to determine as a non-mixture group when the processing order for comparison agrees with the set order, determining as an other company mixture group when the processing order for comparison is different from the set order with respect to mortgage of the other company, and determining as one's own company mixture group when the processing order for comparison is different from the set order with respect to mortgage of one's own company and dividend processing means 13, 14, 15 for calculating dividends every group of the non-mixture group, the other company mixture group, and the one's own company mixture group, updating dividends based on the result of dividend calculation, and calculating dividend of the next group based on the updated dividends. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a real estate collateral management apparatus, a real estate collateral management method, and a real estate collateral management program for managing collateral for real estate that spans multiple copies and multiple mortgages.

  Conventionally, there are two methods of collateral management of real estate that spans multiple capitals and multiple mortgages, and there are methods to calculate in units of capital and methods to calculate all capitals and all mortgages at once, but each has its own problems. (Patent Document 1).

  In the case of the method of calculating in units of capital, there is a problem that dividends are remarkably different or a surplus is generated in the order of processing of capital if joint mortgages are attached.

Further, in the method of calculating all the copies and all the mortgages at a time, there is no problem if the number of copies or the number of mortgages is small, but if these numbers are large, the processing becomes enormous. Also, if the mortgage setting order is complicated including the same order, the calculation becomes impossible. Furthermore, it is difficult to consider multiple debtors.
JP 2002-373248 A

  As described above, in the conventional real estate collateral management, the calculation result greatly changes or the system load increases depending on the method of setting the processing order and the number of processing cases.

  The present invention has been made to solve the above-mentioned problems, and its object is to provide a real estate collateral management apparatus, a real estate collateral management method, and a real estate collateral management program for realizing precise and efficient real estate collateral management. There is.

  According to one aspect of the present invention, a plurality of mortgages, a set order of registration of the plurality of mortgages, and a dividend amount of the plurality of mortgages are associated with a copy with a copy number. Mortgage storage means for storing, setting means for setting a processing priority for comparison within the payout process for each of the plurality of mortgages in a payout process database, which is an arbitrarily set and non-overlapping order, and For data on mortgages with the same copy number read from the mortgage storage means, the setting order on the registration of the plurality of mortgages is compared with the processing order for comparison, and it is determined whether there is a rank crossing. A copy with no crossing is judged as a “non-crossing group”, and a copy with a rank crossing is judged as a “company crossing group” with respect to its own mortgage. A copy classification processing means for determining a copy of the right that does not have a crossing order as a “other company crossing group”, and a processing of the initial value of the processing order for comparison in the dividend processing database for the copy classified as the “non-crossing group” Comparing the dividend processing database for non-crossing group dividend processing means for calculating the distribution amount from the ranking to the final processing ranking and calculating the dividends of the plurality of mortgages, and for the certified copies classified as the "other company crossing group" The distribution amount calculation from the initial processing order of the processing order to the final processing order to calculate the dividend amount of the plurality of mortgages, and a copy classified as the “own company crossing group” And calculating the distribution amount from the initial processing order of the comparative processing order in the dividend processing database to the final processing order, and the plurality of mortgages A payout calculation result obtained by a company crossing group payout processing means for calculating a payout amount, the non-crossing group payout processing means, the other company crossing group payout processing means, and the self crossing group payout processing means, and the plurality of copies Real estate collateral management comprising display means for displaying the calculated dividend amounts of the plurality of mortgages for each type of the “non-crossing group”, the “other-party crossing group” and the “in-house crossing group” An apparatus is provided.

  Further, the present invention relating to an apparatus is also established as an invention of a method realized by the apparatus. Further, the present invention relating to an apparatus or a method is also realized as a program for causing a computer to execute a procedure corresponding to the present invention, and a computer-readable recording medium on which the program is recorded.

  According to the present invention, precise and efficient real estate collateral management can be realized.

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

[Figure 1: Overall conceptual diagram]
FIG. 1 is an overall configuration diagram of a real estate collateral management apparatus according to an embodiment of the present invention. As shown in FIG. 1, it includes a processor 1, a display device 2 connected to the processor 1, an input device 3, a recording medium reading device 4, and a database 5.

  When the program stored in the database 5 is read and executed by the processor 1, or when the recording medium reader 4 reads the program from a computer-readable recording medium and executes it, the processor 1 It functions as a payout processing database setting means 11, a copy classification processing means 12, a non-interlaced group payout processing means 13, another company's crossing group payout processing means 14, and a company crossing group payout processing means 15.

  The payout process database setting unit 11 generates a payout process number and a processing order of the payout process database 53. The copy classification processing means 12 classifies each copy stored in the copy database 51 into three groups using the payout processing database 53 set by the payout processing database setting means 11 and the mortgage database 52. The copy database 51, the mortgage database 52, and the payout processing database 53 will be described in detail in [FIG. 2: Database configuration] described later. The non-crossing group payout processing means 13 performs a payout process calculation for the copies classified into the non-crossing group by the copy classification processing means 12. The other company crossing group payout processing means 14 performs a payout process calculation for the copies classified into the other company crossing group by the copy classification processing means 12. The in-house mixed group payout processing means 15 performs a payout process calculation for the copies classified into the in-house mixed group by the copy classification processing means 12.

[Figure 2: Database configuration]
FIG. 2 is a diagram showing an example of the configuration of the database 5 in detail. The database 5 includes a copy database 51, a mortgage database 52, a dividend processing database 53, a contract database 54, a loan contract database 55, an evaluation document linkage database 56, a copy unit evaluation amount database 57, an evaluation document data 58, and an evaluation input database 59. Become. Data is associated in the direction of the arrow with the hatched portion as a key.

  The copy database 51 is a database for managing the content of the copy of the property held as collateral. A certified copy refers to a certified copy of real estate that is the object of the mortgage, for example, a registered copy of real estate such as land or a building. Specifically, the copy database 51 manages the contents of each copy as three data items by using a copy number, a payout processing number, and basic copy information. The copy number serves as a key, and each copy can be uniquely identified by the copy number. The certified copy database 51 is associated with the payout process database 53 by the payout process number. The basic copy information is a data item indicating the basic information of the registered copy, and includes information on the so-called title section and ward (location of the real estate, owner).

  The mortgage database 52 is a database for managing mortgages set for each collateral. Specifically, the contents of each mortgage are managed by a copy number, a signature of another company, a financial number, a mortgage number, a setting order, a dividend amount 1, a dividend amount 2, and a detailed copy information 1.

  If the four data items of the copy number, other company signature, financial number, and mortgage number are keys, and the mortgage is set for multiple copies, the mortgage set for each copy can be uniquely identified. . The mortgage database 52 is related to the copy database 51 by a copy number, and is linked to the dividend processing database 53 by another company's signature, financial number, and mortgage number.

  The mortgage can be uniquely identified by the three data items of the other company's signature, financial number, and mortgage number. Hereinafter, these signatures, financial numbers, and mortgage numbers are referred to as mortgage identification codes.

  The other company's signature is information for identifying whether the mortgage holder is the company or the other company. For example, 0 is assigned to the company's mortgage and 1 is assigned to the other company's mortgage. The financial number is a number for managing the borrower (debtor) or mortgage. The financial number of the debtor in the case of in-house mortgage and the financial number of the mortgage in the case of other mortgages. Point to. That is, the financial number is assigned to each debtor or mortgage and functions as a code for identifying the debtor or mortgage. The mortgage number is a number for identifying the mortgage, and the mortgage can be uniquely specified by combining it with the other company's signature + financial number.

  The setting order is information indicating the order in which the mortgage is set for each copy. Specifically, it is set in the same order as the order (rank number) listed in the Oto Ward of the real estate registry copy. Is done. Therefore, the order as described in the registered copy may be used, or the order described in the registered copy that does not intersect with the order described in the registered copy may be used.

  The dividend amount 1 and the dividend amount 2 indicate the dividend amount for each mortgage calculated by the dividend process. The payout amount 1 is a payout amount calculated based on the evaluation amount 1, and the payout amount 2 is a payout amount calculated based on the evaluation amount 2. The detailed copy information 1 is detailed information described in the registered copy and includes, for example, the registration status of the real estate and the shared number. The common number is a number for managing the mortgage set as the same collateral in the case of a joint mortgage where the mortgage is set on several real estates as collateral for the same claim, A common number is set for different mortgages that are set as collateral for the same receivable. Thereby, the same mortgage set for each copy can be managed across. However, if the registry office with jurisdiction is different, a different number is assigned, so the mortgage identification code is used to manage the mortgage across the database.

  The payout processing database 53 is a database for defining the order of payout processing. Specifically, the order of dividend processing for each mortgage is managed by the dividend processing number, the other company's signature, the financial number, the mortgage number, the processing order, and the detailed copy information 2.

  The payout process number, the other company's signature, the financial number, and the mortgage number are the keys of the payout process database 53. The payout process database 53 is associated with the duplicate database 51 by a payout process number.

  The payout process number is a number for identifying a unit for performing the payout process. Usually, the financial number of the obligor with the longest term is given out of the loan contract of the company that has established a mortgage. If the loan contract cannot be identified, an arbitrary unique number is assigned. The processing order is information for determining the order of payout processing. This processing order is the order of processing determined for each mortgage with respect to the payout processing determined by one payout processing number, and is set by the user or automatically set by the processor 1. The detailed copy information 2 is detailed information described in the registered copy, and includes, for example, a mortgage type, a claim amount, and an extreme amount that indicate a distinction between a normal mortgage and a root mortgage. The amount of receivables / extreme amount corresponds to the amount of receivables for ordinary mortgages and the extreme amount for root mortgages.

  The contract database 54 is a database for managing the relationship between the mortgage and the loan contract. Specifically, each contract is managed by a financial number, a mortgage number, a contract number, a dividend amount 1, and a dividend amount 2. The financial number, mortgage number, and contract number are keys of the contract database 54. The contract database 54 is related to the dividend processing database 53 by the financial number and the mortgage number, and is related to the loan contract database 55 by the financial number and the contract number.

  The loan contract database 55 is a database for managing contracts separately from mortgages. Specifically, each contract is managed by a financial number, a contract number, and a balance. The financial number and the contract number are keys of the loan contract database 55.

  The evaluation document cooperation database 56, the copy unit evaluation value database 57, the evaluation document data 58, and the evaluation input database 59 are databases relating to the evaluation of real estate that is the object of the mortgage managed by the copy database 51.

  The evaluation document cooperation database 56 is a database for linking the copy database 51 and the evaluation document data 58 and for linking the copy database 51 and the evaluation input database 59. Specifically, each evaluation document is managed by a copy number, an evaluation document number, and a branch number. The evaluation document cooperation database 56 is associated with the copy database 51 by the copy number, and is associated with the evaluation document data 58 by the evaluation document number and the branch number.

  The certified unit evaluation value database 57 is a database that manages the evaluated value of the real estate that is the object of the mortgage in the certified unit. The copy number is a key of the copy unit evaluation amount database 57. The copy unit evaluation amount database 57 is related to the copy database 51 by a copy number. In the copy unit evaluation value database 57, the real estate evaluation value is managed by the copy number, the evaluation value 1, and the evaluation value 2. The appraisal value 1 refers to the appraisal value itself of the market value or book value, and the appraisal value 2 is an appraisal value obtained by multiplying the appraisal value 1 by a factor of 1 or less (for example, 0.7). The evaluation value 1 indicates the value of the real estate itself, while the evaluation value 2 indicates the amount that the real estate can be recovered. For example, a scaling factor is set based on the past recovery rate.

  The evaluation document data 58 is a database for inputting and managing the evaluation value of the real estate for each real estate appraisal report. Specifically, the evaluation value of the real estate is managed by the evaluation document number, the branch number, and the time correction amount. The evaluation document number and the branch number are keys of the evaluation document data 58. The evaluation report number is a number for identifying a real estate appraisal report created by a real estate appraiser or the like. The branch number is a number for identifying a plurality of evaluations regarding real estate in one evaluation document. The evaluation document data 58 may be, for example, data input by the input device 3 or data received via a communication network or the like, and may not necessarily be stored in the database 5. .

  The evaluation input database 59 is a database for manually correcting the evaluation value of the real estate managed by the evaluation report data 58 for each real estate appraisal report. For example, the minimum sale price after the auction decision and the latest deposit (deposit, security deposit, etc.) of the rental property are input by the input device 3 as this evaluation input database 59. Specifically, the evaluation value of the real estate is managed by the evaluation document number, branch number, and evaluation value. The evaluation document number and the branch number are keys of the evaluation input database 59. The evaluation input database 59 is associated with the evaluation document cooperation database 56 by the evaluation document number and the branch number.

[Figure 3: Database conceptual diagram]
FIG. 3 is a diagram schematically showing the relationship between the databases 51 to 54 and 56 to 59 of the database 5. FIG. 3 shows extracted data assigned with the payout process number 111111.

  As shown in FIG. 3, five copies are managed as the copy database 51, and copy numbers 31-00000001 to 31-00000005 are assigned respectively. The dividend processing database 53 is organized into mortgage units by a mortgage identification code including a signature of another company, a financial number, and a mortgage number. Specifically, as the first mortgage (mortgage identification code 0-111111-0001), receivable amount 100 million yen, ordinary mortgage, debtor XX, creditor XX mortgage In mortgage units. The mortgage database 52 defines mortgages for each copy. FIG. 3 shows an example in which three mortgages are set for five copies. Each mortgage has a joint mortgage for five copies.

  The contract database 54 is associated only with a mortgage with the creditor as the creditor (Ox life in the example of FIG. 3). Furthermore, the evaluation amount set in the evaluation document data 58 or the evaluation input database 59 is associated with each copy by the evaluation document cooperation database 56. As a result, a copy unit evaluation amount database 57 is generated.

[Figure 4: Overall processing flow]
FIG. 4 is a flowchart of real estate collateral management processing according to the present embodiment.

  Assume that databases 51, 52, 54, 55, and 57 other than the payout processing database 53 have been generated as a previous stage of this processing flow.

  First, the payout process database setting unit 11 executes a payout process database setting process (s1) including extraction of a payout process number unit (s11) and setting of a processing order (s12).

  In the payout process number unit extraction (s11), data associated with the payout process number is extracted from each database (databases 51, 52, 54, 55, and 57) used for processing in the order of processing.

  Next, the payout process database setting unit 11 sets a processing order for comparing with the set order for the mortgage for which the payout process number is set (s12). This processing order (comparison processing order) is arbitrarily set.

  As an example of the processing order setting method, first, from the data extracted from the mortgage database 52 in the above-mentioned extraction of the payout processing number unit (s11), one further associated with any one copy number is further extracted. The setting order is read out. The processing order is set based on the read setting order. For example, if there are six mortgages that have been read and each mortgage is mortgage A to mortgage F, and the respective setting ranks are ranks 1 to 6, the set ranks are set as processing ranks as they are. . When the setting order differs depending on the type of copy, it is desirable to adopt the setting order of the type with the maximum evaluation value. If the mortgages set for each copy do not match, or if there are not 6 mortgages set for all copies, the setting order of the copy with the maximum valuation should not be inconsistent as a result. The mortgage A is assigned a processing order 3, the mortgage B is given a processing order 5,. In this case, the processing order may not coincide with the setting order.

  In yet another setting example, the mortgage and setting order of the same payout processing number are displayed on the display device 2. The user inputs the optimum processing order using the input device 3 with reference to the setting order.

  With such processing order setting, processing order is associated with each mortgage. That is, a correspondence table that substantially associates the mortgage and the processing order with 1: 1 is generated.

  The processing order setting (s12) is repeatedly executed for all payout processing numbers (s13, s14). When the processing order is set for all the payout processing numbers, the payout processing number and the processing order obtained in the payout processing database 53 are stored in association with each mortgage identification code (s1).

  When this payout process database setting process (s1) is completed, the sample classification processing means 12 executes the sample classification process (s2). With this copy classification process, each copy is classified into one of “non-crossing group”, “in-house crossing group”, and “other company crossing group”. Details of the copy classification process will be described later.

  Next, based on the obtained sample classification processing result, a dividend calculation is executed for each type of group for each sample (s3) to (s5). First, the payout calculation (s3) of the “non-crossing group”, the payout calculation (s4) of the “crossing group of other companies”, and finally the payout calculation (s5) of the “in-house crossing group” are executed. To do. Each time the dividend calculation for the non-crossing group, the other-party crossing group, and the in-house crossing group is completed, the dividend amounts 1 and 2 in the mortgage database 52 and the contract database 54 are updated with the distribution amount included in the obtained dividend calculation result. The calculated payout calculation processing result can be displayed on the display device 2 as appropriate.

[Figure 5: Copy classification process]
FIG. 5 is a diagram showing a flowchart of an example of the copy classification process. Hereinafter, the copy classification process will be described with reference to FIG. Unless otherwise indicated, this sample classification processing is executed by the sample classification processing means 12.

  First, the certified copy classification processing means 12 performs a company-equal-ranked mortgage determination process (s21). In-house mortgage determination processing determines whether there is a copy of the same debtor whose mortgage is in the same setting order. Specifically, from the mortgage database 52, data related to mortgages to which the same copy number is assigned (mortgage identification code, setting order, etc.) are read, and the same setting order is assigned to the company with the same financial number. Count the number of mortgages. If the count value is 1 or less, the same company rank is not assigned. If the count value is 2 or more, the same company rank is assigned. Using Figure 6 as an example, Enomoto (A), (E), (O), (KA), (Ki), (K) are not ranked in the same company, and Enomoto (I), (U) are ranked in the same company. It is determined that there is. The process of the copy that is not ranked in-house advances to (s22). The process of the copy that is determined to have the same rank in the company proceeds to (s24).

  In the case of proceeding to (s24), the presence of a root mortgage is determined with respect to the mortgage of the company to which the same setting order is given with respect to the certified copy having the same rank. More specifically, data having a corresponding mortgage identification code (mortgage identification code, mortgage type, etc.) is read from the dividend processing database 53, and one mortgage is assigned to one's mortgage with the same setting order. It is determined that one copy is “in-house mixed group”, and the processing of the copy with no root mortgage proceeds to (s22). In the example of FIG. 6, out of Enomoto (i) and (u) determined to have the same rank in the company, (i) is determined to be the “own company crossing group” with a root mortgage.

  In (s22), the copy classification processing means 12 determines for each copy whether or not there is a rank crossing. Specifically, the copy classification processing means 12 reads data (for example, mortgage identification code, setting order) relating to the mortgage to which the same copy number has been assigned from the mortgage database 52 and stores the setting order in the dividend processing database 53. It is compared with the set processing order and it is determined whether or not the order is reversed.

As an example of the determination of the presence / absence of ranks, records of the mortgage database 52 are arranged in order of processing for each copy number. And when the processing order is n,
Setting order of processing order n + 1−Setting order of processing order n ≧ 0
In the case of, it is provisionally determined that there is no order crossing.

Setting order of processing order n + 1−Setting order of processing order n <0
In the case of, it is temporarily determined that there is a crossing of ranks.

  The above tentative determination is performed for all the processing orders n, and if there is even one rank crossing, it is determined that there is a rank crossing and the process proceeds to (s23). If there is no order crossing in all the processing orders n, it is determined that there is no order crossing and is designated as a “non-crossing group”. In the example shown in FIG. 6, among (A), (U), (E), (O), (K), (K), (K), (O), (K), (K), (K ) Is determined to be a crossing rank, and (a), (u), and (e) are determined to be “non-crossing groups” without a crossing of ranks.

  In (s23), the certified copy classification processing means 12 determines whether the rank crossing is the company crossing or the other company crossing. In-house crossing refers to the case where there is a rank crossing over the company's mortgage, and the other company crossing refers to the case where there is no rank crossing over the company's mortgage.

  The following (s231) to (s233) show a process (s23) for determining the in-house / other company rank crossing by the certified class processing means 12.

(S231)
Records in the payout processing database 53 are arranged in order of processing, and it is determined whether the mortgage is in-house or mortgage from another company in ascending order of processing order. If it is a company mortgage, block other mortgages that are not yet blocked, including the mortgage, and give the block a serial number. If the mortgage of the last processing order is a mortgage of another company, the mortgage including that mortgage is blocked, and the mortgage that has not been blocked is blocked, and a serial number is assigned to the block. If there is no other company mortgage that is not yet blocked, the company mortgage itself is configured as a block, and a serial number is assigned to the block. This is repeated until the final mortgage is reached.

  This blocking is hereinafter referred to as processing order blocking. This processing order blocking refers to a process of assigning unique identification information to a set of a plurality of data having consecutive processing orders, but a process of assigning unique identification information to data of one processing order. Is also included.

  With the processing order blocking, one number (processing order block number) is assigned to a plurality of mortgages to which a plurality of consecutive processing orders are assigned in the payout processing database 53. Also, when there is only one mortgage to be blocked, one number (processing order block number) is assigned to one mortgage to which that one processing order is assigned.

(S232)
The processing order of the dividend processing database 53 is taken into the record of the mortgage database 52, the records are arranged in the order of the lower setting order (in the case of the same setting order, the order of the processing order is lower), Judge whether other companies have mortgages. If it is an in-house mortgage, it is determined whether a mortgage with a processing order lower than the mortgage is in the mortgage with a higher priority than the mortgage. If there is a mortgage with a lower processing order, the certified copy is determined to be “in-house mixed group”. If there is no mortgage with a lower processing order, block the mortgage of another company that has not been blocked, including the mortgage, and give the block a serial number. If the mortgage of the last setting order is a mortgage of another company, the mortgage including that mortgage is blocked, and the mortgage that has not been blocked is blocked, and a serial number is assigned to the block. If there is no other company mortgage that is not yet blocked, the company mortgage itself is configured as a block, and a serial number is assigned to the block. This is repeated until the final mortgage is reached.

  This blocking is hereinafter referred to as setting order blocking. This setting order blocking refers to a process of giving unique identification information to a set of a plurality of data in which the setting order is continuous, and a process of giving unique identification information to data of one setting order. included.

  With the setting order blocking, one number (setting order block number) is assigned to a plurality of mortgages to which a plurality of consecutive setting orders in the mortgage database 52 are assigned. Also, when there is only one mortgage to be blocked, one number (setting order block number) is assigned to one mortgage to which that one setting order is assigned.

(S233)
For the mortgage database 52 that has not been determined to be “in-house mixed group” in (s232) above, the following determination is performed for each setting order block. First, it is determined in which processing order block of the dividend processing database 53 of (s231) the first (or any one) mortgage of the other company in the setting order block is included. As a result, the processing order block of the payout processing database 53 to be determined with respect to the setting order block of the mortgage database 52 is specified. If the other company's mortgage does not exist in the set order block, it is determined as a “other company's crossing block”.

  Next, it is determined whether each other company's mortgage existing in the setting order block in (s232) exists in the processing order block in (s231) to be determined. If there is another company's mortgage that is not common to the processing order block to be determined in the setting order block, the setting order block is determined to be “in-house intersection block”. When all other mortgages are present in the processing order block to be determined, the setting order block is provisionally determined as a “other company crossing block”. Next, it is determined whether or not the mortgage of the company exists in the setting order block that has been provisionally determined to be the “other company crossing block”. If the company's mortgage does not exist, it is determined as a “competition block” as tentative. If the company's mortgage exists, it is determined to which processing order block of the dividend processing database 53 of (s231) the company's mortgage. Next, the number of the block is compared with the number of the processing order block used for the provisional judgment, and (the number of the processing order block used for the provisional judgment) ≤ (the number of the processing order block where the corresponding in-house mortgage exists) ) Is determined as “other company crossing block” as tentatively determined. If (number of processing order block used for provisional judgment)> (number of processing order block where the corresponding in-house mortgage exists), “in-house crossing” It is determined as “block”. If there is at least one “in-house mixed block”, the copy is determined as “in-house mixed group”. Enomoto that does not have “in-house mixed block” is judged as “other company mixed group”.

[Figure 6: In-house / other company ranking judgment example]
The determinations of (s231) to (s233) will be described based on a specific example shown in FIG.

  FIG. 6 is a conceptual diagram showing the relationship between each mortgage record 52a in the mortgage database 52 and each mortgage record 53a in the dividend process database 53. 1 to 8 are the processing order of each mortgage in the dividend processing database 53, A to H are the mortgage identification codes, the company / other companies are each mortgage is their own mortgage or other company mortgages, and the mortgage type is each mortgage Whether the right is a normal or root mortgage, the debtor indicates the debtor of the receivable associated with the mortgage. The circle numbers indicate the setting order of copies of each mortgage in the mortgage database 52. FIG. 56A shows the mortgage record 53a in the payout processing database 53 rearranged on the basis of (s231) to form a processing order block. As in FIG. 6, 1 to 8 indicate the processing order of each mortgage, A to H indicate a mortgage identification code, and each company / other company indicates whether each mortgage is a company mortgage or another company The processing order blocks 1 to 4 are serial numbers assigned to the processing order blocks.

  FIG. 56B is a conceptual diagram in which each mortgage record 52a in the mortgage database 52 is rearranged based on the above (s232). The left table in FIG. 56 (c) and the left table in FIGS. 57 (a) and 57 (b) are the mortgage records 52a in the mortgage database 52 that are rearranged according to the above (s232). 56 (b) and 56 (c) and FIGS. 57 (a) and 57 (b) correspond to Enomoto Oka, Ki, Kiku in FIG. 6, respectively. As in FIG. 6, the circled numbers indicate the setting order, 1 to 6 indicate the processing order, A to H indicate the mortgage identification code, and each company / other company indicates whether each mortgage is its own mortgage or other company mortgage. The setting order blocks 1 and 2 are serial numbers assigned to the setting order blocks.

  The setting order blocking of (s232) will be described with reference to the left table of FIGS. 56 (b) and 56 (c). As for Enomoto, in-house mortgages are determined in the order of setting as shown in FIG. First, since the mortgage B with the setting order 1 and the processing order 2 is the mortgage with the smallest setting order, the mortgage with the setting order higher than the setting order of the mortgage B (here, setting order 2 or higher). Then, it is determined whether there is a mortgage that is smaller than the processing order 2 of the mortgage B (processing order 1 in this case). In the case of Enomoto, mortgage A corresponds to this, and at this point Enomoto is determined to be “in-house mixed group”.

  Next, whether the book has a different setting order and processing order than the book will be described with reference to the left table of FIG. 56C. Here, since the mortgage B of the setting order 3 and the processing order 2 is the own mortgage having the smallest setting order, the mortgage of the setting order higher than the setting order of the mortgage B (here, the setting order 4 or more). Then, it is determined whether there is a mortgage that is smaller than the processing order 2 of the mortgage B (processing order 1 in this case). Enomoto has no corresponding mortgage. Therefore, the setting order block is formed by the mortgages (A, D, B) up to the minimum in-house mortgage B. The in-house mortgage having the second lowest set order after the in-house mortgage B is the mortgage F in the set order 4 and the processing order 6. In Enomoto, there are no mortgages that have a processing order lower than 6 among mortgages that are higher than the set order of mortgage F. Therefore, the set order of mortgages (C, E, F) up to this mortgage F Block. Repeat this until the last mortgage in the ranking.

  FIGS. 56 (c), 57 (a) and 57 (b) show the determination process of (s233) described above for Kashimoto or Kikuku that has not been determined as “in-house mixed group” in (s232) above. It is a conceptual diagram. The right table of FIG. 56 (c) and FIGS. 57 (a) and (b) is the same table as FIG. 56 (a).

  FIG. 56 (c) is a diagram showing an example of determination as to whether it is a copy. Regarding the setting order block 1 of the record 52a of the mortgage database 52, the processing order block 1 of the record 53a of the dividend processing database 53 including the other company's mortgage A having the minimum setting order is determined. Among the other company mortgages A and D in the setting order block 1 of the mortgage database 52, there is a mortgage D that is not included in the processing order block 1 of the dividend processing database 53. Therefore, the setting order block 1 of the mortgage database 52 is determined to be “in-house intersection block”. If there is at least one “in-house crossing block”, the copy is determined as “in-house crossing group”, so that the copy is determined as “in-house crossing group”.

  FIG. 57 (a) is a diagram showing a determination example for Tsujimoto. With respect to the setting order block 1 of the record 52a of the mortgage database 52, the processing order block 2 of the record 53a of the dividend processing database 53 including the other company's mortgage C having the minimum setting order is determined. Since the other company's mortgage in the setting order block 1 of the mortgage database 52 is only C, there is no mortgage that is not included in the processing order block 2 of the dividend process database 53. Therefore, the setting order block 1 of the mortgage database 52 is provisionally determined to be the “other company crossing block”. Next, it is determined whether or not the mortgage of the company exists in the setting order block 1 tentatively determined as the “other company crossing block”. The setting order block 1 has its own mortgage B, and the processing order block 1 including B becomes the next determination target. Between the number 1 of the block and the number 2 of the processing order block used for the tentative judgment, (the number of the processing order block used for the tentative judgment)> (the number of the processing order block having the corresponding in-house mortgage) Is established, the setting order block 1 is determined to be “in-house intersection block”. If there is at least one “in-house crossing block”, the copy is determined as “in-house crossing group”, so that Takimoto is determined as “in-house crossing group”.

  FIG. 57 (b) is a diagram showing a determination example for Tsujimoto. Since no other company's mortgage exists in the setting order block 1 of the record 52a of the mortgage database 52, it is determined as a "other company's crossing block". Next, regarding the setting order block 2 of the record 52a of the mortgage database 52, the processing order block 2 of the record 53a of the dividend processing database 53 including the other company's mortgage D having the minimum setting order is determined. The other company mortgages C and E in the setting order block 2 of the mortgage database 52 are all included in the processing order block 2 of the dividend process database 53. Therefore, the setting order block 2 of the mortgage record 52a is provisionally determined to be the “other company crossing block”. Next, it is determined whether or not the company's mortgage exists in the setting order block 2 tentatively determined as the “other company crossing block”. Since the in-house mortgage does not exist in the setting order block 2, the setting order block 2 is determined as the “other company crossing block” as tentatively determined. If no “in-house crossing block” exists, the copy is determined as a “competition group of other companies”, so that the copy is determined as a “competition group of other companies”.

[Figure 7: Dividend calculation for non-interlaced groups]
FIG. 7 is a view showing a flowchart of an example of the calculation of the “non-crossing group” payout by the non-crossing group payout processing means 13. In the calculation of the dividend of the “non-interlaced group”, the dividend amount 1 of the mortgage database 52 and the contract database 54 is calculated using the evaluation amount 1 of the copy unit evaluation amount database 57, and the evaluation amount 2 of the copy unit evaluation amount database 57 is calculated. Using this, the dividend amount 2 of the mortgage database 52 and the contract database 54 is calculated. Hereinafter, unless otherwise indicated, the non-crossed group payout calculation shown in FIG. 7 is executed by the non-crossed group payout processing means 13.

  The non-interlaced group payout processing means 13 first sets the processing order to an initial value (s71). The initial value is processing order = 1.

  Next, the first basic amount is calculated for the mortgage with the processing order set in (s71) (s72). Specifically, which mortgage has the set processing order is identified with reference to the dividend processing database 53 in which the processing order and the mortgage identification code are associated, and the first basic amount of the obtained mortgage is determined. Perform the calculation. The first basic amount is a non-crossing group dividend calculation value that indicates the actual balance of receivables, and is calculated using the following formula: first basic amount = min (first receivable amount / extreme amount, first remaining balance) As a result, the smaller value of the first bond amount / extreme amount and the first remaining balance is set as the first basic amount.

  Specifically, the balance of the first current balance is determined based on the signatures of other companies. When the other company's signature is 0 (own mortgage), the balance is read from the loan contract database 55 using the financial number and contract number as keys. This balance is the first remaining balance. When the first contract allocation amount (s75) and the additional contract allocation amount (s93) are calculated with the mortgage of the pre-processing order, the total is subtracted from the first current balance.

If the other company's signature is 1 (other company's mortgage), if there is a balance entered in the dividend processing database 53, the balance is left as the first current, otherwise the credit amount / extreme amount in the dividend processing database 53 is the first current I will leave it. Further, the first claim amount / extreme amount is obtained by reading the claim amount / extreme amount included in the detailed copy information 2 stored in the dividend processing database 53. Then, the obtained “first bond amount / extreme amount” and “first current balance” are compared by the non-interlaced group payout processing means 13, and the smaller value is set as the “first basic amount”. In principle, the non-intersecting group dividend processing means 13 performs processing for each mortgage unit (the mortgage identification code is common), but in the calculation of the first basic amount (s72), there were mortgages of the same setting order. In this case, all the mortgages are calculated together.
FIG. 10 is a diagram showing a specific example for explaining the calculation of the payout process. Mortgages are represented by processing order, mortgage type (root mortgage, ordinary mortgage), mortgage (mortgage identification code), receivable / extreme amount, and current balance. In addition, the information on the copy related to these mortgages is also shown. A ~ ka refers to the certified number, and the numerical value shown below indicates the valuation amount. The circled numbers are the setting order. In addition, the contract information associated with these mortgages is shown. α and β are contract numbers.

  FIG. 11 shows the calculation result 111 of the first basic amount for the mortgages A and B of FIG.

  As shown in FIG. 11, when the first receivable amount / extreme amount of mortgage A is 1000 and the first remaining balance is 1500 (total of α, β contract balances), the first basic amount of mortgage A is 1000 = Min (1000, 1500). Further, since the mortgage B has a first claim amount / extreme amount of 1000 and a first current balance of 800, the first basic amount of the mortgage B is obtained by 800 = min (1000, 800). Thus, if mortgage B is in the same setting order as mortgage A, mortgage A after calculating the first basic amount of mortgage A and before entering the first property value of mortgage A (s73) The first basic amount of right B is calculated.

  Next, the first property value is calculated (s73). In the calculation of the first property value, when there are a plurality of mortgages with the same setting order, the first property value is calculated by prorated by the ratio of the first basic amount. That is, (first real estate value) = {(evaluation value) − (priority first allocation amount)} × (first basic amount) / (Σ same-order first basic amount). (Evaluation amount) refers to both the evaluation amount 1 and the evaluation amount 2 of the certified unit evaluation amount database 57.

  (Σ Same-order first basic amount) refers to the sum of the first basic amounts of mortgages with the same setting order. (First order allocation amount) indicates the total amount of the first allocation amount in the prior setting order.

  When (Σ same-order first basic amount) is zero, (first real estate value) is zero. Also, the first real estate value with the last processing order among a plurality of mortgages with the same setting order is (first real estate value) = {(valuation amount) − (priority first allocation amount)} − ( Σ and other 1st real estate value) to prevent the apportionment of fractions. (ΣOther property value) refers to the total property value of other mortgages in the same ranking.

  FIG. 12 shows the calculation result 121 of the first property value for the mortgages A and B in FIG.

  As shown in FIG. 12, the first property value for mortgage A's capital is calculated as 556 = 1000 × 1000 / (1000 + 800), and the first property value for mortgage B ’s capital is the last Since it is a calculation for the mortgage, 444 = 1000−556. By calculating the first property value, the appraisal value is apportioned to each mortgage.

  Next, the non-interlaced group payout processing means 13 calculates the first distribution amount (s74). In the calculation of the first distribution amount, a mortgage with the same mortgage identification code (other company signature, financial number and mortgage number) is first extracted from the mortgage database 52. Then, for each extracted mortgage, the smaller value of the first basic amount or the total value of the first property value (for mortgages with common mortgage identification codes) is used as the ratio of the first property value. Apportion to each copy accordingly. That is, the first distribution amount is calculated by the following formula.

(First allocation amount) = min (first basic amount, Σfirst property value) × (first property value) / (Σfirst property value)
(Σfirst property value) is the total amount of the first property value for mortgages with common mortgage identification codes.

If (Σfirst real estate value) is 0, (first allocated amount) is 0. In addition, for the last copy of a plurality of copies to be calculated for the first distribution amount, (first distribution amount) = min (first basic amount, Σ1 real estate value) − (Σ and other items) 1 allocation amount). (Σother first distribution amount) is a total amount of the first distribution amount of the copies other than the last one copy.
FIG. 13 shows a calculation result 131 of the first distribution amount for the two mortgages A and B having the first property value shown in FIG.

  When the first property value of mortgage A is 556 and 500 as shown in FIG. 12 for mortgages A and ii, respectively, the first allocation amount for mortgage A is 527 as shown in FIG. = Min (1000,556 + 500) × 556 / (556 + 500), and since the first distribution amount for the mortgage A's copy is the calculation for the last copy, 473 = min (1000,556 + 500) − 527.

  Next, the first contract allocation amount is calculated only for the company mortgage (s75).

  Specifically, it is first determined whether or not the company has a mortgage using the other company's signature in the dividend processing database 53, and data having the same financial number / mortgage number is extracted from the contract database 54. It is determined from the mortgage type of the detailed copy information 2 of the corresponding dividend processing database 53 whether the mortgage to which the extracted contract is associated is only a mortgage or a normal mortgage.

  First, the total value of the first allocation amount calculated in (s74) (hereinafter referred to as the Σ1 allocation amount) and the total amount of contracts for which the associated mortgage is determined to be only the root mortgage (hereinafter referred to as the Σth allocation amount). The smaller value of (one contract balance) is apportioned by the ratio of the first contract balance. Specifically, (first contract distribution amount) = min (Σfirst distribution amount, Σfirst contract balance) × (first contract balance) / (Σfirst contract balance). (First contract balance) is the balance of the contract for which the associated mortgage is determined to be only the root mortgage, but the first contract allocation amount (s75) and the additional contract allocation amount (s93) are the mortgages in the processing priority order. If so, the amount has been deducted.

  If (Σfirst contract balance) is 0, (first contract distribution amount) is 0. The first contract distribution amount of the last one of the plurality of contracts is (first contract distribution amount) = min (Σfirst distribution amount, Σfirst contract balance) − (Σ other first contracts) (Amount allocated) to prevent fractional generation. (Σother first contract allocation amount) indicates the total amount of the first contract allocation amount of other contracts.

  Next, the first contract allocation amount is calculated as follows for a contract determined to have a normal mortgage in the associated mortgage. (First contract distribution amount) = min (Σresidual first distribution amount, Σfirst contract balance) × (first contract balance) / (Σfirst contract balance). (ΣRemaining first distribution amount) is a value obtained by subtracting the Σfirst contract distribution amount of a contract for which the associated mortgage is determined to be only a root mortgage from the Σ1 distribution amount. (First contract balance) is the balance of the contract determined to have a normal mortgage in the associated mortgage, but the first contract allocation amount (s75) and additional contract allocation amount (s93 ) Is calculated, the amount is deducted.

  If (Σfirst contract balance) is 0, (first contract distribution amount) is 0. In addition, the first contract distribution amount of the last one of the plurality of contracts is (first contract distribution amount) = min (Σresidual first distribution amount, Σfirst contract balance) − (Σ and other first Contract allocation amount) to prevent apportioning fractions.

  FIG. 14 shows the calculation result 141 of the first contract allocation amount for the two contracts α and β in which the associated mortgage (mortgage A) is determined to be only the root mortgage shown in FIGS.

  As shown in FIG. 13, the mortgage A is given 527,473 as the first distribution amount for the two copies, and the first contract balance of the contracts α, β is 500,1000. The first contract allocation amount is calculated as 333 = min (527 + 473, 500 + 1000) × 500 / (500 + 1000). Further, the first contract distribution amount to the contract β is calculated as 667 = min (527 + 473,500 + 1000) −333 because the contract β is the last contract.

  Next, the non-interlaced group payout processing means 13 calculates the first basic amount balance (s76). The first basic amount balance is obtained by subtracting the Σ1 distribution amount from the first basic amount, and if there is an additional distribution amount calculated in (s92), further subtracting the Σadditional distribution amount, (first basic amount balance) = (First basic amount) − (Σfirst distribution amount) − (Σadditional distribution amount) The Σfirst allocation amount and Σadditional allocation amount are the sum of the first allocation amount and the additional allocation amount for mortgages with common mortgage identification codes.

  FIG. 15 is a view showing a specific example different from FIG. 10 for explaining the payout process calculation.

  FIG. 16 shows the calculation result 161 of the first property value for the mortgages A to E in FIG.

  FIG. 17 shows the results 171 for the mortgages A to D after the primary allocation process of the mortgage D in FIG. The primary allocation processing refers to allocation processing other than the additional allocation processing, and refers to processing from the calculation of the first basic amount (s72) to the calculation of the first contract allocation amount (s75).

  FIG. 18 shows a calculation result 181 of the first basic amount balance for the mortgages A to E after the primary distribution processing of the mortgage D in FIG.

  For mortgage A, the first basic amount is 500, and the Σfirst distribution amount + Σadditional distribution amount is 147, so the first basic amount balance is calculated as 353 = 500-147. Foreclosure E is calculated as 100 = 100−0 since the primary allocation process has not yet been performed.

  Next, the non-interlaced group payout processing means 13 calculates surplus (s77). The surplus is an amount indicating the surplus of the value of the property as a result of the allocation based on the calculations of (s72) to (s75), and (surplus) = (first property value) for each mortgage / copy )-(First distribution amount).

  FIG. 19 shows a surplus calculation result 191 for the mortgages A to E after the primary allocation process of the mortgage D in FIG.

  As shown in FIGS. 16 and 17, the first real estate value of the mortgage D · Enomoto is 118, and the first allocated amount is 54. Therefore, the mortgage D and capital surplus is calculated as 64 = 118-54, the mortgage D and capital surplus is 73 = 133-60, and the mortgage D and capital surplus is 82 = 150. -68, Mortgage D / Enomoto surplus is calculated as 262 = 480-218.

  Next, the non-interlaced group payout processing means 13 determines whether or not additional distribution is necessary (s78). Necessity of additional allocation and determination of the target mortgage are performed by going through a process according to the flowchart shown in FIG. 55 for each mortgage.

  First, it is determined whether there is surplus (s77) for the mortgage (A1), and if there is surplus in the mortgage ((surplus)> 0), the first basic balance (s76) for other mortgages ) Is determined (A2). In (A2), when the other basic mortgage has the first basic balance (s76) ((first basic balance)> 0), it is determined that the other mortgages are “additional allocation required”. Here, if there is another mortgage for which the primary allocation process has not yet been performed, the mortgage is also determined as “additional allocation required”. In (A2), when there is no mortgage with the first basic balance (s76) in the other mortgages, it is determined that the other mortgages are “no additional allocation required”.

  If it is determined that there is no surplus ((surplus) = 0) in the surplus money presence / absence determination (A1), the presence / absence of the first basic amount balance is determined for the mortgage (A3), and the first basic amount If there is no balance (s76) ((first basic amount balance) = 0), it is determined that the mortgage is “additional distribution unnecessary”. In (A3), if there is a first basic amount balance (s76) of the mortgage ((first basic amount balance)> 0), it is determined whether or not there is surplus (s77) for other mortgages (A4) ). In (A4), when there is surplus (s77) in other mortgages ((surplus)> 0), the mortgage is determined as “additional allocation required”. In (A4), when there is no surplus (s77) in the other mortgages ((surplus) = 0), it is determined that the mortgage is “additional distribution unnecessary”.

  Additional allocation is performed for the mortgage that is determined to require additional allocation (s91 to s95). Additional allocation is done in the following process.

  First, the non-interlaced group payout processing means 13 calculates the first property value balance (s91). The first real estate value balance is calculated by (first real estate value balance) = (surplus) × (first basic amount) / (Σ first order basic amount) and prorated by the ratio of the first basic amount .

  When (Σ same-order first basic amount) is 0, (first real estate value balance) is 0. In addition, the first real estate value balance among the plurality of mortgages determined to require additional allocation is given by (first real estate value balance) = (surplus)-(Σ and other first real estate value balance). Calculate and prevent fractions from being prorated. (Σ and other first property value balance) refers to the total amount of the first property value balance other than the last one mortgage.

  FIG. 20 shows a first real estate value balance calculation result 201 for the mortgages A, B, and E determined to require additional allocation in (s78) after the primary allocation process of the mortgage D in FIG.

  As shown in FIG. 20, the mortgage D / Enomoto surplus is based on the first property value balance of the mortgages A, B, E. The first real estate value balance of mortgage A / Enomoto is calculated as 32 = 64 × 500 / (500 + 400 + 100). The first real estate value balance of mortgage B / Enomoto is calculated as 26 = 64 × 400 / (500 + 400 + 100). The first property value balance of mortgage E. Enomoto is calculated as 6 = 64-32-26 because it is the last mortgage.

  Note that the mortgage C / Enomoto surplus shown in FIG. 19 is not used for the additional allocation process because there is no other mortgage other than the first basic amount balance> 0.

  Next, the non-interlaced group payout processing means 13 calculates an additional allocation amount using the obtained first real estate value balance (s92). The additional distribution amount is the same processing as the distribution amount calculation (s74) in the primary distribution. That is, the same processing as (s74) may be performed with the first property value balance as the first property value. A detailed description of the process common to (s74) will be omitted. Here, the additional allocation amount is not calculated for mortgages for which the primary allocation process has not yet been performed.

  The additional allocation amount is calculated by (additional allocation amount) = min (first basic amount balance, Σ1 real estate value balance) × (first real estate value balance) / (Σfirst real estate value balance). Prorated by value balance. (ΣFirst real estate value balance) is the total amount of the first real estate value balances for mortgages with common mortgage identification codes.

  When (Σ1 real estate value balance) is 0, (additional allocation amount) is 0. In addition, for the last copy of a plurality of copies for which the additional allocation amount is to be calculated, (additional allocation amount) = min (first basic amount balance, Σfirst real estate value balance) − (Σ and other additions) Distribution amount). (Σother additional allocation amount) is a total amount of additional allocation amounts of the copies other than the last one copy.

  FIG. 21 shows a calculation result 211 of the additional distribution amount for the mortgages A and B determined to be necessary for additional allocation in (s78) after the primary allocation processing of the mortgage D in FIG.

  As shown in FIG. 21, the additional allocation amount of the mortgage A / Enomoto is calculated as 32 = min (353, 32) × 32/32. The additional allocation amount of mortgage B / Enomoto is calculated as 26 = min (149, 26 + 58) × 26 / (26 + 58), and the additional allocation amount of mortgage B / Enomoto is 58 = min ( 149, 26 + 58) −26. As such, mortgages A and B are additionally allocated from the mortgage D surplus.

  For the mortgage E, the primary allocation process has not yet been performed, so the additional allocation amount is not calculated here.

  Next, the non-interlaced group payout processing means 13 calculates the additional contract allocation amount for the company mortgage (s93). The additional contract allocation amount refers to an allocation amount obtained by assigning the additional allocation amount for each contract. The additional contract allocation amount is the same processing as the first contract allocation amount (s75). That is, the process similar to (s75) may be performed with the distribution amount as the additional distribution amount.

  First, the sum of the additional allocation amount calculated in (s74) (hereinafter referred to as Σadditional allocation amount) and the sum of the balances of contracts for which the associated mortgage is determined to be only the root mortgage (hereinafter referred to as Σ1 contract) The smaller value of (balance) is apportioned by the ratio of the first contract balance. Specifically, (additional contract allocation amount) = min (Σadditional allocation amount, Σfirst contract balance) × (first contract balance) / (Σfirst contract balance). (First Contract Balance) is the balance of the contract for which the associated mortgage is determined to be only the root mortgage, but the first contract allocation amount (s75) is deducted, and the first contract allocation is performed with the mortgage in the pre-processing order. When the amount (s75) and the additional contract allocation amount (s93) are calculated, the amount is also subtracted.

  If (Σfirst contract balance) is 0, (additional contract allocation amount) is 0. The first contract allocation amount of the last one of a plurality of contracts is (first contract allocation amount) = min (Σadditional allocation amount, Σfirst contract balance) − (Σother additional contract allocation amount) Calculate and prevent fractions from being prorated. (ΣOther additional contract allocation amount) indicates the total additional contract allocation amount of other contracts.

  The additional contract allocation amount is calculated as follows for the contract determined to have a normal mortgage in the associated mortgage. (Additional contract allocation amount) = min (Σresidual additional allocation amount, Σfirst contract balance) × (first contract balance) / (Σfirst contract balance). Here, (Σresidual additional allocation amount) is obtained by subtracting the Σadditional contract allocation amount of the contract for which the associated mortgage is determined to be only the root mortgage from the Σadditional allocation amount. (First contract balance) is the balance of the contract determined to have a normal mortgage in the associated mortgage, but the first contract allocation amount (s75) is subtracted, and the first mortgage in the pre-processing order is the first. When the contract allocation amount (s75) and the additional contract allocation amount (s93) are calculated, the amounts are also subtracted.

  If (Σfirst contract balance) is 0, (additional contract allocation amount) is 0. The additional contract allocation amount of the last one of the multiple contracts is calculated by (additional contract allocation amount) = min (Σ remaining additional allocation amount, Σ 1st contract balance)-(Σ other additional contract allocation amount) And prevent fractions from being prorated.

  FIG. 22 shows the calculation result 221 of the additional contract allocation amount for the mortgage A that is determined to require additional allocation in (s78) after the primary allocation process of the mortgage D in FIG.

  Since the Σadditional allocation amount of the mortgage A is 32 and the first contract balances of the contracts α, β, γ are 226, 151, 76, the additional contract allocation amount of the contract α is 16 = min (32,226 + 151 + 76) × 226 / (226 + 151 + 76). The additional contract allocation amount of the contract β is calculated by 11 = min (32,226 + 151 + 76) × 151 / (226 + 151 + 76). The additional contract allocation amount of the contract γ is calculated as 5 = min (32,226 + 151 + 76) -16-11 because it is the last contract.

  Next, the non-interlaced group payout processing means 13 updates the first basic amount balance (s76) (s94). The first basic amount balance is updated by receiving additional allocation. That is, it is updated to a value obtained by subtracting the Σadditional distribution amount (s92) from the first basic amount balance (s76) before receiving the additional distribution.

  Finally, the non-interlaced group payout processing unit 13 calculates surplus after additional allocation (s95). The surplus after additional allocation is a value obtained by subtracting the additional allocation amount (s92) from the first real estate value balance (s91).

  After executing the additional distribution processing shown in (s91) to (s95) above, the non-interlaced group payout processing means 13 returns to the determination processing (s78) of whether additional distribution is necessary, and further additional distribution processing is performed as necessary. Then, the process proceeds to (s81).

  Similarly, when the additional distribution process (s91 to s95) is not performed at all, the process proceeds to (s81).

  In (s81), it is determined whether or not the distribution process (primary distribution and additional distribution) has been completed up to the final processing order. If the distribution process has been completed, the non-interlaced group distribution process is completed. If the final processing order has not been completed, the process proceeds to (s82), where the processing order is counted (incremented), and the next processing order distribution process (s72 to s95) is executed.

  This completes the calculation of the distribution amount for the “non-interlaced group”.

  The (dividend amount) in the mortgage database 52 and the (dividend amount) in the contract database 54 are updated with the obtained distribution amount (s83). The dividend amount in the mortgage database 52 is updated to the sum of the first allocation amount and the additional allocation amount, and the dividend amount in the contract database 54 is updated to the sum of the first contract allocation amount and the additional contract allocation amount. Updated. The distribution amount calculated using the evaluation amount 1 is set to the dividend amount 1, and the distribution amount calculated using the evaluation amount 2 is set to the dividend amount 2.

  FIG. 23 shows a calculation result (non-crossing group payout processing result 231) of the non-crossing group in FIG.

  16 to 22 and FIGS. 24 to 34 are calculation examples of the additional distribution processing (s91) to (s95) in the payout processing number of FIG. In the payout process number in FIG. 15, the following process is performed.

  [1] A mortgage A having a processing order of 1 is selected (s71), the primary allocation processing (s72) to (s75) for the mortgage A, a first basic amount balance calculation (s76), and a surplus calculation (s77) )I do. For mortgage A, the first basic amount balance> 0, but there is no mortgage with surplus> 0 among other mortgages, so in the additional allocation necessity determination (s78), “No additional allocation is required” Next, the process proceeds to (s81). Since mortgage A is not in the final processing order, the process proceeds to (s82).

  [2] Next, the processing order is counted by one (s82), and the mortgage B of the processing order 2 is selected. For the mortgage B, primary allocation processing (s72) to (s75), calculation of the first basic amount balance (s76), and calculation of surplus (s77) are performed. For mortgage B, the first basic balance> 0, but there is no mortgage with surplus> 0 among other mortgages, so it becomes “No additional allocation required” in the additional allocation necessity determination (s78). Proceed to (s81). Since the mortgage B is not in the final processing order, the process proceeds to (s82).

  [3] Further, one processing rank is counted (s82), and the mortgage C of the processing rank 3 is selected. For the mortgage C, primary allocation processing (s72) to (s75), calculation of the first basic amount balance (s76), and calculation of surplus (s77) are performed. Mortgage C has surplus> 0, but there is no mortgage that has the first basic amount balance> 0 among other mortgages, so in the additional allocation necessity determination (s78), “additional allocation is not required”. Proceed to (s81). Since the mortgage C is not in the final processing order, the process proceeds to (s82).

  [4] Furthermore, one processing rank is counted (s82), and a mortgage D with a processing rank of 4 is selected. For mortgage D, primary allocation processing (s72) to (s75) (FIGS. 16 and 17 are the calculation results), first basic amount balance calculation (s76) (FIG. 18 is the calculation results), surplus calculation ( s77) (FIG. 19 shows the calculation result). For mortgage D, surplus> 0 (Fig. 19), and among other similar mortgages there are mortgages A, B, and E with first basis balance> 0 (Fig. 18), so additional allocation is necessary In the determination (s78), “additional distribution is required”. When additional allocation processing (s91) to (s95) is performed for mortgages A, B, and E (FIGS. 20 to 22 show the calculation results), mortgages A and B have a first basic amount balance> 0. Since there is no mortgage with surplus> 0 among other mortgages, “additional distribution unnecessary” is determined in the additional allocation necessity determination (s78). Since the mortgage E has not yet been subjected to the primary allocation process, the additional allocation amount is not calculated here, and the process proceeds to (s81). Since the mortgage D is not in the final processing order, the process proceeds to (s82).

  [5] Further, one processing rank is counted (s82), and a mortgage E with a processing rank of 5 is selected. For mortgage E, primary allocation processing (s72) to (s75) (FIG. 24 shows the calculation result), calculation of the first basic amount balance (s76) (FIG. 25 shows the calculation result), surplus calculation (s77) ( FIG. 26 shows the calculation result). For mortgage E, surplus> 0 (Fig. 26), and among other similar mortgages, there are mortgages A and B with first basic amount balance> 0 (Fig. 25). In s78), “additional distribution is required” is displayed. When the additional allocation processing (s91) to (s95) is performed for the mortgages A and B (FIGS. 27 to 31 show the calculation results), the mortgages A and B have the first basic amount balance> 0 (FIG. 30). . Here, since the mortgage E has surplus received from the mortgage D (the real estate value balance in FIG. 20 becomes the surplus in FIG. 31), the mortgages A and B determine whether additional allocation is necessary (s78). Then, “additional allocation required”. When additional allocation processes (s91) to (s95) are performed for mortgages A and B (FIGS. 32 to 34 show the calculation results), mortgages A and B have a first basic amount balance> 0. Since there is no mortgage with surplus> 0 in the rank mortgages, “additional distribution unnecessary” is determined in the additional distribution necessity determination (s78), and the process proceeds to (s81).

  When the processes from [1] to [5] are completed, it is determined in (s81) that the process has been completed up to the final processing order, and the process advances to (s83) to update the payout amount (FIG. 35 shows the calculation result).

  FIG. 35 shows a payout processing result 351 for the non-interlaced group Enomoto Ao in FIG. The amount of dividends for each mortgage (A dividend in the mortgage database 52) is shown, and for the mortgage A, the amount of contract dividends in the contracts α to γ (dividend amount in the contract database 54) It is shown.

  As shown in FIG. 35, the first dividend amount is 147, the additional amount received from the surplus after the primary allocation of the mortgage D is 32, the primary amount of the mortgage E Since the additional distribution amount received from the surplus after distribution is 14, and the additional distribution amount received by mortgage A as the additional distribution of mortgage E received from mortgage D is 3, 196 = 147 + 32 + 14 + 3 Updated. Similarly, the dividend amount for mortgage B / Enomoto is updated with 159 = 118 + 26 + 12 + 3, and the dividend amount for mortgage B / Enomoto is updated with 236 = 133 + 58 + 30 + 15. The contract dividend for contract α is updated as 98 = 74 + 16 + 7 + 1, the contract dividend for contract β is updated as 66 = 49 + 11 + 5 + 1, and the contract dividend for contract γ is updated as 32 = 24 + 5 + 2 + 1. .

[Figure 8: Dividend calculation for other group]
FIG. 8 is a flowchart illustrating an example of calculation of the payout for the “other company crossing group”. In this “competition group” dividend calculation, the mortgages of other companies are collectively calculated as one mortgage to improve processing efficiency. The combined other company mortgages are composed of mortgages excluding in-house mortgages from the processing rank block obtained by blocking the mortgages in the dividend processing database 53 by the copy classification processing means 12 (hereinafter referred to as other company mortgage blocks). Call).

  Hereinafter, unless otherwise indicated, the other party crossing group payout calculation shown in FIG. 8 is executed by the other party crossing group payout processing means 14.

  The other company crossing group payout processing means 14 first sets the processing order to an initial value and selects a mortgage to be processed (s101). The initial value is processing order = 1.

  Next, the other company crossing group payout processing means 14 calculates a second basic amount (s102 to s104). The second basic amount is a value for calculating the dividends of other companies.

  If the mortgage selected in (s101) is a company mortgage, the company's second basic amount is calculated (s102). The in-house second basic amount is calculated by (in-house second basic amount) = min (second receivable amount / extreme amount, second remaining balance).

  As the (second receivable amount / extreme amount), a value obtained by subtracting the non-mating dividend amount from the first receivable amount / extreme amount is used. That is, (second receivable amount / extreme amount) = (first receivable amount / extreme amount) − (non-crossed dividend amount). (Non-mating dividend amount) is a dividend amount calculated for a non-mating group.

  (Second current balance) is calculated by subtracting the dividend calculated in the non-crossing group from the first current balance, and the second contract distribution amount (s110) is calculated with the mortgage of the pre-processing rank of the other group. In this case, the total of the contract allocation amount is a value obtained by subtracting from the first current balance. That is, (second current remaining) = (first current remaining) − (non-interlaced dividend amount) − (Σfirst processing order second contract allocated amount). The Σ destination processing order second contract allocation amount is the total amount of the second contract allocation amount in the processing order prior to the mortgage to be calculated.

  The other party crossing group dividend processing means 14 performs processing for each mortgage unit (the mortgage identification code is common), but if there is a mortgage of the same setting order in this second basic amount calculation (s102) Calculate for all mortgages together.

  FIG. 36 shows a calculation result 361 of the company second basic amount for the company mortgage A in FIG.

  As shown in FIG. 10, the mortgage A has a first credit amount / extreme amount of 1000, a first current balance of 1500 (total of α and β contract balances), and as shown in FIG. 1000. Further, since the second contract allocation amount in the Σ destination processing order is 0, the second receivable amount / extreme amount is 0 = 1000−1000, and the second remaining balance is 500 = 1500−1000−0. Therefore, as shown in FIG. 36, the company's second basic amount of the mortgage A is calculated as 0 = min (0,500).

  When the mortgage selected in (s101) is a mortgage of another company, a second basic amount of the other company is calculated (s103). The other company's second basic amount is calculated as (other company's second basic amount) = min (second receivable amount / extreme amount, second current balance). The (second receivable amount / extreme amount) is calculated by (second receivable amount / extreme amount) = (first receivable amount / extreme amount) − (non-crossed dividend amount). (Non-mating dividend amount) is a dividend amount calculated for a non-mating group. The (second current remaining) is calculated by (second current remaining) = (first current remaining) − (non-crossed dividend amount).

  Next, in the case of a mortgage of another company, the obtained second base amount of the other company is totaled for each mortgage block of the other company to calculate a total second base amount (s104). That is, (total second basic amount) = (Σother companies second basic amount).

  FIG. 37 shows the calculation result 371 of the other company's second basic amount and the total second basic amount for the other company's mortgages B, C, and D in FIG.

  As shown in FIG. 10 and FIG. 23, the mortgage B has a first claim / extreme amount of 1000, a first remaining balance of 800, and a non-mating dividend of 800, so the second claim amount / extreme amount is 200 = 1000-800, the second current remaining is 0 = 800-800. As shown in FIG. 37, the other company's second basic amount for mortgage B is calculated as 0 = min (200, 0). Further, the total second basic amount of the mortgages B, C, and D is calculated as 900 = 0 + 540 + 360.

  Next, the other company crossing group dividend processing means 14 calculates the second property value based on the obtained second basic amount and the total second basic amount (s105, s106).

  In the case of a company mortgage, the company's second real estate value is calculated (s105). The company's second real estate value is calculated by (own company second real estate value) = {(valuation amount)-(priority second allocation amount)} x (own company second basic amount) / (Σ same-order second basic amount) Is done. (Priority second distribution amount) indicates the total amount of the company's second distribution amount (s107) and the other company's second distribution amount (s109) in the prior setting order. (Σ same-order second basic amount) refers to the sum of the company's second basic amount (s102) and the other company's second basic amount (s103) of the same setting order.

  When (Σ same-order second basic amount) is 0, (own second property value) is 0. In the calculation of the company's second real estate value, since the company's mortgage is never the last of a plurality of mortgages of the same setting order, there is no rounding.

  FIG. 38 shows a calculation result 381 of the company second real estate value for the company mortgage A in FIG.

  As shown in FIG. 38, since the Σ same-order second basic amount is 0, for the mortgage A Enomoto Ue, the company's second real estate value is both 0.

  In the case of another company's mortgage, the second property value of the other company is calculated (s106). The other company's second property value is calculated for each other company's mortgage block: (other company's second property value) = (evaluation value)-(priority second allocation amount)-(same company own second allocation amount). Here, (priority second distribution amount) indicates the total amount of the company's second distribution amount (s107) and the other company's second distribution amount (s109) in the preset order, and (second rank company's second distribution amount) is the first. It refers to the company's second distribution amount (s107) of the same setting order in the processing order.

  FIG. 39 shows the calculation result 391 of the other company's second real estate value for the other company's mortgages B, C, and D in FIG.

  In the example of FIG. 10, as shown in the calculation of the company's second distribution amount (FIG. 40) described later, the second distribution amount of the pre-set rank mortgage A is 0, and is the same as B, C, and D in the pre-processing order. Since there is no in-house mortgage in the set order, the same-place in-house second allocation amount is zero. Accordingly, the second real estate value of the other company of Enomoto is calculated as 400 = 400-0-0, and the second real estate value of the other company of Enomoto is calculated as 300 = 300-0-0.

  Next, the other company crossing group payout processing means 14 calculates the second distribution amount (s107 to s109). The second allocation amount is the allocation amount of the other company group. First, mortgages with common mortgage identification codes (signs of other companies, financial numbers and mortgage numbers) are extracted from the mortgage database 52, and a second allocation amount is calculated for each extracted mortgage.

  In the case of in-house mortgage, the in-house second distribution amount is calculated (s107). The company's second allocation amount is calculated by (own company second allocation amount) = min (own company second basic amount, Σ own second property value) x (own company second property value) / (Σ own second property value) The

  When (Σ own second property value) is zero, (own second distribution amount) is zero. In addition, for the last copy of a plurality of copies that are subject to calculation of the company's second allocation amount, (company's second allocation amount) = min (company's second basic amount, Σ company's second property value)- Calculated as (ΣOther company's second allocation amount). Here, (Σother company's second distribution amount) indicates the total amount of the company's second distribution amount of the copies other than the last one copy.

  FIG. 40 shows a calculation result 401 of the company second distribution amount for the company mortgage A in FIG.

  In the case of another company's mortgage, the total second distribution amount is calculated (s108). The total second allocation amount is calculated by (total second allocation amount) = min (total second basic amount, Σother company second property value) × (other company second property value) / (Σother company second property value) The

  If (Σother company's second real estate value) is 0, (total second allocated amount) is 0. For the last copy of the multiple copies for which the total second allocation amount is to be calculated, (total second allocation amount) = min (total second base amount, Σother company second property value) − (Σ The other total second distribution amount) is calculated to prevent fractions from being prorated. (Σ and other total second distribution amount) is a value obtained by summing up (total second distribution amount) of copies other than the last one copy.

  FIG. 41 shows the calculation result 411 of the total second distribution amount for the other company mortgages B, C, and D in FIG.

  As shown in FIGS. 39 and 41, the total second basic amount of the mortgages B, C, and D is 900, and the second property value of the other company is 400, and 300 is the same. The total second distribution amount is calculated by 400 = min (900, 400 + 300) × 400 / (400 + 300), and the total second distribution amount for the last copy, ie, the copy, is 300 = min (900, 400 + 300) −400. Calculated.

  Next, in the case of another company's mortgage, the total second distribution amount obtained is divided for each mortgage and the other company's second distribution amount is calculated (s109). The other company's second allocation amount is calculated by (other company's second allocation amount) = (total second allocation amount) × (other company's second basic amount) / (total second basic amount).

  When (total second basic amount) is 0, (other company second allocation amount) is 0. Also, for the last mortgage out of the multiple mortgages subject to this calculation, (other company's second allocation amount) = (total second allocation amount)-(Σothers / other companies' second allocation amount) To prevent fractions from being prorated. (ΣOther / other company's second allocation amount) refers to the total amount of the other company's second allocation amount other than the mortgage subject to calculation.

  FIG. 42 shows the calculation result 421 of the other company second allocation amount for the other company mortgages B, C, and D in FIG.

  For Enomoto U, the second allocation amount of mortgage B is calculated as 0 = 400 × 0 / (0 + 540 + 360), and the second allocation amount of mortgage C is calculated as 240 = 400 × 540 / (0 + 540 + 360). The other company's second distribution amount of the last mortgage D is calculated as 160 = 400-0-240.

  Next, the other company crossing group dividend processing means 14 calculates the second contract allocation amount for the mortgage (s110). The second contract allocation amount is an amount obtained by allocating the second allocation amount (in-house second allocation amount) of the intercompany group to each contract.

  First, data having the same financial number and mortgage number is extracted from the contract database 54, and whether or not the mortgage to which the extracted contract is associated is only a root mortgage or a normal mortgage is detailed in the relevant dividend processing database 53. Judgment from 2 mortgage types.

  Next, a second contract allocation amount is calculated for a contract for which the associated mortgage is determined to be a root mortgage only. The second contract allocation amount is calculated by (second contract allocation amount) = min (Σ own second allocation amount, Σ second contract balance) × (second contract balance) / (Σ second contract balance), 2 Prorated according to the proportion of contract balance. (Second Contract Balance) is the balance of the contract for which the associated mortgage is determined to be the root mortgage only, but the non-maturity contract dividend amount is subtracted from the first contract balance, and the second contract with the mortgage of the pre-processing order When the distribution amount (s110) is calculated, the total amount is also subtracted. That is, (second contract balance) = (first contract balance) − (non-contracted contract dividend amount) − (Σ first processing order second contract allocation amount). The non-crossing contract dividend amount is the dividend amount to each contract in the non-crossing group allocation process, and the Σ-first processing order second contract allocation amount is the second contract allocation of the processing order prior to the mortgage subject to calculation. The total amount.

  If (Σ2nd contract balance) is 0, (2nd contract distribution amount) is 0. In addition, the second contract allocation amount of the last one of the plurality of contracts is (second contract allocation amount) = min (Σ own second allocation amount, Σ second contract balance) − (Σ other second Contract allocation amount), and prevents fractions from being prorated. (Σ and other second contract allocation amount) is the total amount of the second contract allocation amount of contracts other than the contract to be calculated.

  Next, the second contract allocation amount is calculated as follows for a contract determined to have a normal mortgage in the associated mortgage. (Second Contract Allocation) = min (ΣRemaining Company Second Allocation, Σ Second Contract Balance) × (Second Contract Balance) / (Σ Second Contract Balance) Apportioned accordingly. (ΣRemaining company second allocation amount) is a value obtained by subtracting the Σ2 contract allocation amount of the contract for which the mortgage to be associated is determined to be only the root mortgage from the Σ company second allocation amount. (Second Contract Balance) is the balance of the contract that is determined to have a normal mortgage in the associated mortgage, but subtracts the non-maturity contract dividend amount from the first contract balance, and the When the two contract distribution amount (s110) is calculated, the total amount is also subtracted. That is, (second contract balance) = (first contract balance) − (non-contracted contract dividend amount) − (Σ first processing order second contract allocation amount).

  If (Σ2nd contract balance) is 0, (2nd contract distribution amount) is 0. In addition, the second contract distribution amount of the last one of the plurality of contracts is (second contract distribution amount) = min (Σ remaining second distribution amount, Σ second contract balance) − (Σ other number (2) (contract allocation amount), and it prevents fractions from being prorated. Here, (Σ and other second contract allocation amount) is the total amount of the second contract allocation amount other than the contract to be calculated.

  FIG. 43 shows the calculation result 431 of the second contract allocation amount for two contracts α and β in which the associated mortgage (mortgage A) is determined to be only the root mortgage in the dividend process number of FIG.

  As shown in FIG. 10, the contract balance (first contract balance) of the contracts α and β is 500,1000, and the non-interlaced contract payout amount of the contracts α and β is 333,667 as shown in FIG. Since the second contract distribution amount of Σ-first processing order for mortgage A is 0, the second contract balance of contract α is 167 = 500-333-0, and the second contract balance of contract β is 333 = 1000-667-0 It is. As shown in FIG. 43, since the Σ own second distribution amount is 0, the second contract distribution amount of the contract α is calculated as 0 = min (0,167 + 333) × 167 / (167 + 333), which is the last contract. The second contract allocation amount of the contract β is calculated as 0 = min (0,167 + 333) −0.

  When the processes of (s101) to (s110) are completed, it is determined whether the second distribution amount calculation has been completed up to the final processing order (s111). If not, the processing order is counted (incremented). (S112) The second allocation amount calculation of (s102) to (s110) is repeated until the final processing order.

  FIG. 44 shows a calculation result (a payout processing result 441 of another company crossing group) of the other party crossing group shown in FIG.

  When the calculation of the distribution amount to the final processing order is completed, the (dividend amount) in the mortgage database 52 and the (dividend amount) in the contract database 54 are updated with the obtained second distribution amount (s113). With (s113), the dividend amount in the mortgage database 52 is updated to the second allocation amount, and the dividend amount in the contract database 54 is updated to the amount obtained by adding the second contract allocation amount to the dividend amount updated in (s83). Is done.

[Figure 9: Dividend calculation for in-house mixed group]
FIG. 9 is a diagram illustrating a flowchart of an example of payout calculation for the “own company crossing group”. The payout calculation for the company crossing group consists of calculation of the credit unit (s201) to (s210) and calculation of the mortgage unit (s211) to (s217). Hereinafter, unless otherwise indicated, the payout calculation for the company crossing group shown in FIG.

  The company crossing group payout processing means 15 first sets the setting order to an initial value. (S201). The initial value is setting order = 1.

  Next, the company crossing group payout processing means 15 identifies a mortgage to be processed based on the setting order set in (s201), and calculates a base amount for calculating the company crossing group payout (hereinafter referred to as a prorated base amount). Calculate (s202). As for the mortgages to be processed, when there are a plurality of mortgages with the same setting order, those with a lower processing order are given priority. The apportioned basic amount is calculated by (apportioned basic amount) = min (third receivable amount / extreme amount, remaining at the time of the apportionment in the same rank). As the (third receivable amount / extreme amount), a value obtained by subtracting the dividend amount calculated in the non-crossing group and the other company crossing group from the first receivable amount / extreme amount is used. That is, (third receivable amount / extreme amount) = (first receivable amount / extreme amount) − (non-crossed dividend amount) − (other company crossed dividend amount). (Non-crossing dividend amount) is a dividend amount calculated for the non-crossing group. (Other company crossing dividend amount) is a dividend amount calculated for the other company crossing group. (Remaining at the same time apportioning) is a value obtained by subtracting the amount of dividends calculated for the non-interlaced group and other companies' interoperating group and the contract provisional allocation amount (s206) of the preset order from the first current remaining, and The amount of money allocated at the same rank is used, and the contract provisional distribution amount (s206) having the same setting rank in the prior processing rank is not deducted. That is, (remaining at the same time apportioning) = (remaining first current) − (non-mating dividend amount) − (other company's crossing dividend amount) − (Σ destination setting ranking contract provisional allocation amount). The Σ destination setting order contract provisional allocation amount is the total amount of the contract provisional allocation amount of the setting order prior to the calculation target setting order.

  The in-house mixed group dividend processing means 15 performs processing for each mortgage unit (which has a common mortgage identification code). If there is a mortgage with the same setting order in the calculation of the prorated basic amount (s202), Calculate for all mortgages together.

  FIG. 45 shows the calculation result 451 of the apportioned basic amount of the mortgages E and F of FIG.

  As shown in FIGS. 10 and 44, for mortgage E, the first receivable amount / extreme amount is 300, and the first remaining balance is 500 (the total of α, β contract balances after deducting the mortgage A contract distribution amount) The non-crossing dividend amount + the other company's crossing dividend amount is 0. In addition, since the tentative allocation amount for the mortgage E is 0, the third claim amount / extreme amount is 300, and the remaining balance at the time of apportionment in the same rank is 500. Accordingly, the apportioned base amount for the mortgage E is calculated as 300 = min (300,500). Similarly, the prorated amount for mortgage F is calculated as 400 = min (400,500).

  Next, a third provisional basic amount is calculated (s203). The third provisional basic amount is calculated by (third provisional basic amount) = min (third receivable amount / extreme amount, third remaining balance). The third receivable amount / extreme amount is calculated by (third receivable amount / extreme amount) = (first receivable amount / extreme amount) − (non-crossed dividend amount) − (other company crossed dividend amount). (3rd remaining balance) is the contract provisional amount (s206) calculated for the dividend amount calculated for the non-interlaced group and the other company interoperable group and the mortgage with the same priority order. This is a value obtained by subtracting the total of the distribution amount from the first current balance. Unlike the current balance at the time of apportionment in the same rank, the third current balance is deducted from the contract provisional distribution amount (s206) having the same setting rank in the previous processing rank. In other words, (third current remaining) = (first current remaining) − (non-crossed dividend amount) − (in-house mixed dividend amount) − (Σ first-order setting order contract provisional allocation amount). The Σ-first-ranking contract tentative allocation amount is the total amount of the tentative provisional allocation amount of mortgages calculated before the mortgage subject to calculation.

  46 shows the calculation result 461 of the third provisional basic amount for the mortgage E in FIG.

  As shown in FIGS. 10 and 44, for mortgage E, the first receivable amount / extreme amount is 300, and the first remaining balance is 500 (the total of α, β contract balances after deducting the mortgage A contract distribution amount) The non-crossing dividend amount + the other company's crossing dividend amount is 0. In addition, the tentative allocation amount of the Σ-first setting order contract of the mortgage E is 0, so the third receivable amount / extreme amount is 300, and the remaining balance at the time of apportioning in the same rank is 500. Therefore, the third provisional basic amount for the mortgage E is calculated by 300 = min (300,500).

  Next, the company crossing group dividend processing means 15 calculates the third property value (s204). The third property value is calculated by (third property value) = {(evaluation value) − (priority provisional allocation amount)} × (basic apportionment base amount) / (Σ same apportionment base amount). Here, (priority provisional allocation amount) is the total amount of provisional allocation amounts of the prior setting order. The Σ equally distributed basic amount is the total amount of the proportional basic amounts in the same setting order.

  In addition, when (Σ same rank apportionment basic amount) is 0, (third property value) is 0. In addition, the third real estate value of the last of a plurality of mortgages with the same setting order is (third real estate value) = (evaluation value) − (priority provisional allocation amount) − (Σ and other third real estate values) ) To prevent fractions from being prorated. (ΣOther third property value) refers to the total amount of the third property value of other mortgages in the same ranking.

  FIG. 47 shows the third property value calculation result 471 for the mortgages E, F and Enomoto in FIG. The tentative provisional allocation for mortgages E and F is zero. The third property value for mortgage E is calculated as 429 = {(1000−0)} × 300 / (300 + 400). The third property value for the last mortgage F is calculated as 571 = (1000-0) -429.

  Next, the provisional distribution amount is calculated (s205). The provisional allocation amount is a provisional allocation amount of the company crossing group. First, mortgages with common mortgage identification codes (other company signature, financial number and mortgage number) are extracted from the mortgage database 52. Then, a temporary distribution amount is calculated for each extracted mortgage.

  The provisional allocation amount is calculated by (temporary allocation amount) = min (third provisional basic amount, third property value).

  FIG. 48 shows a calculation result 481 of the provisional distribution amount for the mortgage E / Enomoto in FIG.

  As shown in FIGS. 47 and 48, the provisional distribution amount of the mortgage E is calculated by 300 = min (300, 429).

  Next, the contract provisional distribution amount is calculated for the company mortgage (s206). The contract temporary allocation amount is an amount obtained by distributing the temporary allocation amount of the company crossing group for each contract.

  First, data having the same financial number and mortgage number is extracted from the contract database 54, and whether or not the mortgage to which the extracted contract is associated is only a root mortgage or a normal mortgage is detailed in the relevant dividend processing database 53. Judgment from 2 mortgage types.

  Next, a provisional allocation amount is calculated for a contract in which the associated mortgage is determined to be a root mortgage only. The contract temporary allocation amount is calculated as (contract temporary allocation amount) = min (provisional allocation amount, Σ3 contract balance) × (third contract balance) / (Σ3 contract balance), and the ratio of the third contract balance Apportioned according to (Third contract balance) is the balance of contracts for which the associated mortgage is determined to be only the root mortgage. If the contract provisional allocation amount (s206) is calculated for the mortgage, the total amount is also subtracted. That is, (third contract balance) = (first contract balance) − (non-crossing contract dividend amount) − (other company's cross-contracted contract dividend amount) − (Σ first order setting order contract provisional allocation amount). The non-crossing contract dividend amount is a dividend amount to each contract in the non-crossing group allocation process, and the other company crossing contract dividend amount is a dividend amount to each contract in the non-crossing group allocation process. The Σ-first-ranking contract tentative allocation amount is the total amount of the tentative provisional allocation amount of mortgages calculated before the mortgage subject to calculation.

  If (Σthird contract balance) is 0, (provisional distribution amount) is 0. In addition, the contract temporary allocation amount of the last one of the plurality of contracts is calculated by (contract temporary allocation amount) = min (provisional allocation amount, Σ3 contract balance) − (Σother contract temporary allocation amount) And prevent fractions from being prorated. (ΣOther contract temporary allocation amount) is the total amount of contract temporary allocation amounts of contracts other than the contract to be calculated.

  Next, the contract provisional allocation amount is calculated as follows for a contract determined to have a normal mortgage in the associated mortgage. That is, (contract provisional allocation amount) = min (remaining temporary allocation amount, Σ3 contract balance) × (third contract balance) / (Σ3 contract balance), and is prorated according to the ratio of the contract balance The (Remaining provisional allocation amount) is an amount obtained by subtracting the Σcontract provisional allocation amount of the contract determined to be only the root mortgage from the total provisional allocation amount. (Third Contract Balance) is the balance of contracts that are determined to have ordinary mortgages in the associated mortgage. When the contract provisional distribution amount (s206) is calculated with the mortgage in the setting order, the total amount is also subtracted. That is, (third contract balance) = (first contract balance) − (non-crossing contract dividend amount) − (other company's cross-contracted contract dividend amount) − (Σ first order setting order contract provisional allocation amount).

  If (Σthird contract balance) is 0, (provisional distribution amount) is 0. (Contract provisional allocation amount) of the last one of a plurality of contracts is (contract provisional allocation amount) = min (residual temporary allocation amount, Σ3 contract balance) − (Σother contract temporary allocation amount) Calculated to prevent fractions from being prorated. (ΣOther contract provisional allocation amount) is the total amount of contract provisional allocation other than the contract to be calculated.

  FIG. 49 shows calculation results 491 of contract provisional allocation amounts for two contracts α and β in which the associated mortgage is determined to be only the mortgage E that is the root mortgage in the dividend process number of FIG. 10.

  As shown in FIG. 49, the third contract balance of the contracts α and β is 167,333, and the provisional distribution amount is 300. Therefore, the contract provisional distribution amount for the contract α is 100 = min {300, (167 + 333). )} × 167 / (167 + 333) and the contract provisional distribution amount for the contract β is calculated as 200 = min {300, (167 + 333)} − 100.

  FIG. 50 shows a calculation example of the provisional distribution amount of Enomoto or Kano of the company crossing group in FIG. FIG. 50 shows a calculation result 501 of the provisional distribution amount calculated for the mortgages B to F set for Enomoto.

  When the temporary allocation amount calculation of (s201) to (s206) is completed, it is determined whether or not there is an unprocessed mortgage with the same setting order (s207), and if there is, there is no unprocessed mortgage with the same setting order. Until (s202) to (s206), the temporary allocation amount calculation is repeated. If there is no unprocessed mortgage of the same setting order, it is determined whether or not the provisional distribution amount calculation has been completed up to the final setting order (s208), and if not completed, the setting order is counted (incremented) ( s209), the temporary allocation calculation of (s202) to (s206) is repeated until the final setting order.

  When the calculation of the provisional distribution amount is completed up to the final setting order, the process of the copy unit is completed and the process of the mortgage unit is started (s211).

  In the process of the mortgage unit, first, the processing order is set to an initial value (s211). The initial value is processing order = 1.

  Next, the company crossing group payout processing means 15 calculates a basic amount (hereinafter, a third basic amount) of the processing order set in (s211) (s212). The third basic amount is calculated by (third basic amount) = min (third receivable amount / extreme amount, third remaining balance). The third receivable amount / extreme amount is calculated by (third receivable amount / extreme amount) = (first receivable amount / extreme amount) − (non-crossed dividend amount) − (other company crossed dividend amount). (Third remaining balance) is the third contract distribution amount (s214) calculated for the dividend amount calculated for the non-interlaced group and the other company intermingled group and the mortgage of the pre-processing order. It is the amount obtained by subtracting the total contract distribution amount from the first current balance. That is, (third remaining balance) = (first remaining balance) − (non-crossed dividend amount) − (in-house mixed dividend amount) − (Σ first processing order third contract allocation amount).

  51 shows the third basic amount calculation result 511 obtained for the mortgages B to E of FIG.

  As shown in FIGS. 10 and 44, the mortgage B has a first credit amount / extreme amount of 1000, a first current balance of 800, a non-mating dividend amount + another company's mixed dividend amount of 800. For mortgage B, since the third contract allocation amount for Σ-first processing order is 0, the third receivable amount / extreme amount is 200, and the remaining third current amount is 0. Therefore, as shown in FIG. 51, the third basic amount of the mortgage B is calculated as 0 = min (200, 0).

  Next, a third distribution amount is calculated based on the third basic amount (s213). The third allocation amount is the allocation amount of the company crossing group. First, mortgages with common mortgage identification codes (other company signature, financial number and mortgage number) are extracted from the mortgage database 52. Then, a third distribution amount is calculated for each extracted mortgage.

  The third allocation amount is calculated by (third allocation amount) = min (third basic amount, Σprovisional allocation amount) × (provisional allocation amount) / (Σprovisional allocation amount), and is apportioned by the temporary allocation amount. (Σprovisional allocation amount) is the total amount of provisional allocation amounts for mortgages with common mortgage identification codes.

  If (Σprovisional allocation amount) is 0, (third allocation amount) is 0. In addition, for the last copy of a plurality of copies to be calculated for the third distribution amount, (third distribution amount) = min (third basic amount, Σprovisional distribution amount) − (Σ and other third It is calculated by (allocation amount) and prevents fractions from being prorated. The Σother third distribution amount is a total amount of the third distribution amounts of the copies other than the last one copy.

  FIG. 52 shows the third distribution amount calculation result 521 for the mortgages B to E of FIG.

  As shown in FIGS. 50 and 52, the third basic amount for the mortgage E is 300, and the provisional allocation amount for the mortgage E and the mortgage is 300, 43. The third distribution amount is calculated as 262 = min (300, 300 + 43) × 300 / (300 + 43). The third distribution amount for the last copy is calculated as 38 = min (300,300 + 43) −262.

  Next, the company crossing group dividend processing means 15 calculates the third contract allocation amount for the company mortgage based on the obtained third allocation amount (s214). The third contract allocation amount is an amount obtained by allocating the third allocation amount of the company crossing group for each contract.

  First, data having the same financial number and mortgage number is extracted from the contract database 54, and whether or not the mortgage to which the extracted contract is associated is only a root mortgage or a normal mortgage is detailed in the relevant dividend processing database 53. Judgment from 2 mortgage types.

  Next, a third contract allocation amount is calculated for a contract in which the associated mortgage is determined to be a root mortgage only. The third contract distribution amount is calculated by (third contract distribution amount) = min (Σthird distribution amount, Σthird contract balance) × (third contract balance) / (Σthird contract balance), Prorated according to the contract balance ratio. (Third contract balance) is the balance of contracts for which the associated mortgage is determined to be the only mortgage, but subtracts the non-maturity contract dividend amount and other company's cross-contract contract dividend amount from the first contract balance, If the third contract distribution amount (s214) is calculated for the mortgage, the total amount is also deducted. That is, (third contract balance) = (first contract balance) − (non-crossing contract dividend amount) − (other company crossing contract dividend amount) − (Σ destination processing order third contract distribution amount). The non-crossed dividend amount is a dividend amount to each contract in the non-crossed group allocation process, and the other company crossed dividend amount is a dividend amount to each contract in the other-party mixed group allocation process. The Σ destination processing order third contract allocation amount is the total amount of the third contract allocation amount in the processing order prior to the mortgage to be calculated.

  If (Σthird contract balance) is zero, (third contract allocation amount) is zero. The third contract distribution amount of the last one of the plurality of contracts is (third contract distribution amount) = min (Σ3 distribution amount, Σ3 contract balance) − (Σ and other third contracts) It is calculated by (allocation amount) and prevents fractions from being prorated. (Σother third contract allocation amount) is the total amount of the third contract allocation amount of contracts other than the contract to be calculated.

  Next, the third contract allocation amount is calculated as follows for a contract determined to have a normal mortgage in the associated mortgage. (3rd contract allocation amount) = min (Σ remaining third allocation amount, Σ3 contract balance) × (3rd contract balance) / (Σ3 contract balance), depending on the ratio of the 3rd contract balance Apportioned. (Σ remaining third distribution amount) is an amount obtained by subtracting the Σ3 contract distribution amount of a contract in which the mortgage associated with the Σ3 distribution amount is determined to be only the root mortgage. (Third contract balance) is the balance of contracts that are determined to have ordinary mortgages in the associated mortgage, but the non-maturity contract dividend amount and the other company's cross-contract dividend amount are subtracted from the first contract balance and further processed. When the third contract distribution amount (s214) is calculated with the mortgage of the rank, the total amount is also subtracted. That is, (third contract balance) = (first contract balance) − (non-crossing contract dividend amount) − (other company crossing contract dividend amount) − (Σ destination processing order third contract distribution amount).

  If (Σthird contract balance) is zero, (third contract allocation amount) is zero. Further, the third contract distribution amount of the last one of the plurality of contracts is (third contract distribution amount) = min (Σ remaining third distribution amount, Σ third contract balance) − (Σ and other third Contract allocation amount), and prevents fractions from being prorated. Here, (Σ and other third contract allocation amount) is the total amount of the third contract allocation amount other than the contract to be calculated.

  FIG. 53 shows a calculation result 531 of the third contract allocation amount of two contracts α and β in which the associated mortgage (mortgage E) is determined to be only the root mortgage in the dividend process number of FIG.

  The third contract allocation amount for the contract α is calculated as 100 = min (300, 167 + 333) × 167 / (167 + 333), and the third contract allocation amount for the contract β, which is the last contract, is 200 = min (300 , 167 + 333) −100.

  When the processes from (s211) to (s214) are completed, it is determined whether or not the distribution amount calculation has been completed up to the final processing order (s215). If not, the processing order is counted (incremented) ( s216), the allocation amount calculation of (s212) to (s214) is repeated until the final processing order.

  When the calculation of the distribution amount to the final processing order is completed, the (dividend amount) in the mortgage database 52 and the (dividend amount) in the contract database 54 are updated with the obtained third distribution amount (s217). With (s217), the dividend amount in the mortgage database 52 is updated to the third distribution amount, and the dividend amount in the contract database 54 is updated to the amount obtained by adding the third contract allocation amount to the dividend amount updated in (s113). Is done.

  54 shows a final result 541 obtained by performing the payout calculation of FIGS. 7 to 9 with respect to FIG.

  This completes the calculation of the dividend amount.

  As described above, according to the present embodiment, a database system for dividend processing number units is designed as a group for subdividing the processing units based on the claims associated with the mortgage, and within the dividend processing numbers The processing order was set as the processing priority order. Then, the processing order and the setting order are compared for each payout processing number unit, and grouped into three groups: a non-intersecting group, a companion group, and a company intermingling group. As a result, it is possible to reduce the system load and perform calculations by capturing a plurality of copies and mortgages at once. Accordingly, calculation of an appropriate dividend amount that each mortgage holder can take is realized. In addition, calculation logic can be subdivided by grouping, and rational dividend calculation can be realized for mortgages in which the distribution of surpluses and priorities are complicated for logically possible mortgages.

  In addition, by performing grouping, it is possible to calculate on the premise of simultaneous dividends for a plurality of real estates. Since it is possible to calculate so that a proper dividend is paid from each property of the same group without biasing to a specific property, a more appropriate dividend calculation result can be obtained as compared with the case where no grouping is performed.

  The present invention is not limited to the above embodiment.

  For example, although the case where a real estate collateral management process is performed using the real estate collateral management apparatus shown in FIG. 1 was shown, it is not limited to this. For example, each process constituting the real estate collateral management process may be shared by each apparatus connected to the network, and the process result may be transmitted via the network to perform the process.

  In the above embodiment, an example is shown in which the dividend calculation is performed in the order of the non-interlaced group, the other company's interlaced group, and the in-house interlaced group. The payout calculation for the next group may be performed based on the updated payout amount.

  Moreover, although the case where the additional distribution process is performed is shown in the calculation of the payout for the non-interlaced group, the process may be terminated without performing the additional distribution process.

  It is also possible to calculate without distinguishing between the company and other companies. In this case, it is only necessary to omit the process of classifying the other company's crossing group and the company's crossing group, classifying the two into the non-crossing group and the crossing group, and execute the payout process calculation for each.

  As described above, according to the present invention, the present invention is effective in the technical fields of a real estate collateral management apparatus, a real estate collateral management method, and a real estate collateral management program for managing collateral for real estate that covers multiple copies and multiple mortgages.

1 is an overall configuration diagram of a real estate collateral management apparatus according to an embodiment of the present invention. It is the figure which showed an example of the structure of the databases 51-59 concerning the embodiment in detail. The figure which shows typically the relationship of the databases 51-54 and 56-59 which concern on the embodiment. The flow chart of the real estate security management processing concerning the embodiment. The figure which shows the flowchart of an example of the copy classification | category process which concerns on the embodiment. The figure for demonstrating the company / other company rank crossing judgment which concerns on the embodiment. The figure which shows the flowchart of an example of the payout calculation of the non-crossing group which concerns on the same embodiment. The figure which shows the flowchart of an example of the dividend calculation of the other company crossing group which concerns on the same embodiment. The figure which shows the flowchart of an example of the payout calculation of the company crossing group which concerns on the embodiment. The figure which shows the specific example for description of the payout process calculation which concerns on the embodiment. The figure which shows the example of calculation of the 1st basic amount about the mortgages A and B of FIG. 10 which concerns on the same embodiment. The figure which shows the example of calculation of the 1st real estate value about the mortgages A and B of FIG. 10 which concerns on the embodiment. The figure which shows the example of calculation of the 1st distribution amount about the mortgages A and B of FIG. 10 which concerns on the same embodiment. The figure which shows the example of calculation of the 1st contract distribution amount of contract (alpha) and (beta) of FIG. 10 which concerns on the same embodiment. The figure which showed another specific example for description of the payout process calculation which concerns on the embodiment. The figure which shows the calculation result of the 1st real estate value of the mortgages A-E of FIG. 15 which concerns on the same embodiment. The figure which shows the result after the primary allocation process of the mortgage D of FIG. 15 which concerns on the same embodiment. The figure which shows the calculation example of the 1st basic amount balance about the mortgage AE after the primary allocation process of the mortgage D of FIG. 15 which concerns on the embodiment. The figure which shows the calculation example of the surplus money about the mortgage A-D after the primary allocation process of the mortgage D of FIG. 15 which concerns on the same embodiment. The figure which shows the example of calculation of the 1st real estate value balance about the mortgage A, B, E of FIG. 15 which concerns on the same embodiment. The figure which shows the example of calculation of the additional allocation amount about the mortgages A and B of FIG. 15 which concerns on the same embodiment. The figure which shows the example of calculation of the additional contract allocation amount about contract (alpha), (beta), (gamma) of FIG. 15 which concerns on the same embodiment. The figure which shows the calculation result about Aoi Enomoto of the non-crossing group of FIG. 10 which concerns on the same embodiment. The figure which shows the result after the primary allocation process of the mortgage E of FIG. 15 which concerns on the same embodiment. The figure which shows the calculation example of the 1st basic amount balance about the mortgage A-E after the primary allocation process of the mortgage E of FIG. 15 which concerns on the embodiment. The figure which shows the example of calculation of the surplus money about the mortgages A-E after the primary allocation process of the mortgage E of FIG. 15 which concerns on the same embodiment. The figure which shows the example of calculation of the 1st real estate value balance about the mortgages A and B of FIG. 15 which concerns on the same embodiment. The figure which shows the example of calculation of the additional allocation amount about the mortgages A and B of FIG. 15 which concerns on the same embodiment. The figure which shows the example of calculation of the additional contract allocation amount about contract (alpha), (beta), (gamma) of FIG. 15 which concerns on the same embodiment. The figure which shows the example of calculation of the 1st basic amount balance of the mortgage A to E after additional allocation to the mortgages A and B from the mortgage E of FIG. 15 which concerns on the embodiment. The figure which shows the example of calculation of the surplus money of the mortgage E after additional allocation from the mortgage E of FIG. 15 which concerns on the embodiment to the mortgages A and B. The figure which shows the example of calculation of the 1st real estate value balance about the mortgages A and B of FIG. 15 which concerns on the same embodiment. The figure which shows the example of calculation of the additional allocation amount about the mortgages A and B of FIG. 15 which concerns on the same embodiment. The figure which shows the example of calculation of the additional contract allocation amount about contract (alpha), (beta), (gamma) of FIG. 15 which concerns on the same embodiment. The figure which shows the calculation result about Enomoto Ao of the non-crossing group of FIG. 15 which concerns on the same embodiment. The figure which shows the example of calculation of the company 2nd basic amount about the company mortgage A of FIG. 10 which concerns on the same embodiment. The figure which shows the example of calculation of the other company's 2nd basic amount and the total 2nd basic amount about the other company mortgages B, C, D of Drawing 10 concerning the embodiment. The figure which shows the example of calculation of the company 2nd real estate value about the company mortgage A of FIG. 10 which concerns on the embodiment. The figure which shows the calculation example of the other company's 2nd real estate value about the other company mortgage B, C, D of FIG. 10 which concerns on the same embodiment. The figure which shows the example of calculation of the company 2nd distribution amount about the company mortgage A of FIG. 10 which concerns on the same embodiment. The figure which shows the example of calculation of the total 2nd allocation amount about the other company mortgages B, C, and D of FIG. 10 concerning the embodiment. The figure which shows the calculation example of the other company 2nd distribution amount about the other company mortgage B, C, D of FIG. 10 which concerns on the embodiment. The figure which shows the example of calculation of the 2nd contract allocation amount of contract (alpha) and (beta) of FIG. 10 which concerns on the same embodiment. The figure which shows the calculation result about Enomoto Ue of the other company crossing group of FIG. 10 which concerns on the same embodiment. The figure which shows the example of calculation of the apportioned basic amount of the mortgages E and F of FIG. 10 which concerns on the same embodiment. The figure which shows the example of calculation of the 3rd temporary base amount of the mortgage E of FIG. 10 which concerns on the same embodiment. The figure which shows the example of calculation of the 3rd real estate value of the mortgages E and F of FIG. 10 which concerns on the embodiment. The figure which shows the example of calculation of the provisional distribution amount of the mortgage E of FIG. 10 which concerns on the same embodiment. The figure which shows the example of calculation of the contract provisional distribution amount of contract (alpha) and (beta) of FIG. 10 which concerns on the same embodiment. The figure which shows the calculation example of the provisional distribution amount of Enomoto Oka of the company crossing group of FIG. 10 which concerns on the same embodiment. The figure which shows the calculation example of the 3rd basic amount of the mortgages B-E of FIG. 10 which concerns on the same embodiment. The figure which shows the calculation example of the 3rd distribution amount of the mortgage B-E of FIG. 10 which concerns on the same embodiment. The figure which shows the example of calculation of the 3rd contract distribution amount of contract (alpha) and (beta) of FIG. 10 which concerns on the same embodiment. The figure which shows the final result which performed the dividend calculation of FIGS. 7-9 with respect to the specific example FIG. 10 which concerns on the embodiment. The figure which shows the flowchart for determining whether an additional distribution is required in a non-crossing group payout process. The figure for demonstrating the company / other company rank crossing judgment which concerns on the embodiment. The figure for demonstrating the company / other company rank crossing judgment which concerns on the embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Processor, 2 ... Display apparatus, 3 ... Input device, 4 ... Recording medium reader, 5 ... Database, 51 ... Copy database, 52 ... Mortgage database, 53 ... Dividend process database, 54 ... Contract database, 55 ... Loan Contract database 56 ... Evaluation document linkage database 57 ... Basic unit evaluation amount database 58 ... Evaluation document data 59 ... Evaluation input database

Claims (10)

A mortgage storage means for storing a plurality of mortgages, a set order of registration of the plurality of mortgages, and a dividend amount of the plurality of mortgages in association with a certified copy.
Setting means for setting, in the dividend processing database, a processing priority for comparison that is a processing priority within the dividend processing for each of the plurality of mortgages and is an arbitrarily set order that does not overlap;
For data on mortgages with the same copy number read from the mortgage storage means, the setting rank on the registration of the plurality of mortgages is compared with the processing rank for comparison, and it is determined whether there is a rank crossing, A copy without rank crossing is determined as a “non-crossing group”, and a copy with rank crossing is determined as a “company crossing group” with respect to its own mortgage. A copy classification processing means for determining a copy of a mortgage that has no crossing order as a “competition group”,
With respect to the certified copies classified into the “non-interlaced group”, the distribution amount is calculated from the initial processing order of the comparison processing order in the dividend processing database to the final processing order, and the dividend amount of the plurality of mortgages is calculated. Non-intersecting group dividend processing means;
With respect to the certified copies classified as the “other companies crossing group”, the distribution amount is calculated from the initial processing order of the comparison processing order in the dividend processing database to the final processing order, and the dividend amount of the plurality of mortgages is calculated. Other company crossing group dividend processing means,
With respect to the certified copies classified as “in-house mixed group”, the distribution amount is calculated from the initial processing order of the comparison processing order of the dividend processing database to the final processing order, and the dividend amount of the plurality of mortgages is calculated. In-house mixed group dividend processing means,
It is a dividend calculation result obtained by the non-crossing group payout processing means, the other company crossing group payout processing means and the in-house crossing group payout processing means, and for the plurality of copies, the “non-crossing group” and the “other-party crossing” A real estate collateral management apparatus comprising display means for displaying the calculated dividend amounts of the plurality of mortgages for each type of “group” and “in-house mixed group”.   The non-crossing group payout processing means, the other company crossing group payout processing means, and the in-house crossing group payout processing means calculate the payout amounts of the plurality of mortgages in the mortgage storage means based on the payout amount obtained by the payout calculation. The real estate collateral management apparatus according to claim 1, wherein the real estate collateral management apparatus is updated.   The non-crossing group payout processing means, the other company crossing group payout processing means, and the in-house crossing group payout processing means update the payout amount of the group after the calculation of the payout of a certain group, and the updated payout amount 3. The real estate collateral management apparatus according to claim 1, wherein a dividend calculation for the next group is performed based on the calculation.   The payout calculation is performed in the order of the non-crossing group payout processing means, the other company crossing group payout processing means, and the in-house crossing group payout processing means. Real estate collateral management device. The non-interlaced group payout processing means is:
For a mortgage whose processing order for comparison is a predetermined processing order, a value obtained by subtracting the first distribution amount calculated for the mortgage whose processing order for comparison is the previous processing order from the evaluation value of the real estate Calculate the first property value prorated according to the first basic amount indicating the balance of
Calculating a first distribution amount that is obtained by apportioning a smaller value of the total value of the first property value and the first basic amount according to the first property value;
Incrementing the processing order of the comparison processing order, and performing the calculation up to the final processing order of the comparison processing order,
5. The real estate collateral management apparatus according to claim 1, wherein a dividend amount of the plurality of mortgages for the “non-interlaced group” is the first distribution amount. 6. The other company crossing group dividend processing means is:
For a mortgage whose processing order for comparison is a predetermined processing order, a value obtained by subtracting the second distribution amount calculated for the mortgage whose processing order for comparison is the previous processing order from the assessed value of the real estate Calculate the second property value prorated according to the second basis amount indicating the balance of
Calculating a second distribution amount that is obtained by apportioning a smaller value of the total value of the second property value and the second basic amount according to the second property value;
Incrementing the processing order of the comparison processing order, and performing the calculation up to the final processing order of the comparison processing order,
6. The real estate collateral management apparatus according to claim 1, wherein a dividend amount of the plurality of mortgages for the “other company crossing group” is the second distribution amount. 7. The company crossing group dividend processing means is:
Execute a script unit process for calculating a provisional distribution amount indicating a provisional distribution amount in a unit of a copy according to the order of the setting order;
For a mortgage whose processing order for comparison is a predetermined processing order, the smaller of the third basic amount indicating the balance of receivables and the total value of the provisional distribution amount is prorated according to the provisional distribution amount. Executing a process for calculating the third distribution amount, incrementing the processing rank of the comparison processing rank, and executing a mortgage unit process for performing the calculation up to the final processing rank of the comparison processing rank,
The real estate collateral management apparatus according to any one of claims 1 to 6, wherein a dividend amount of the plurality of mortgages for the "in-house mixed group" is the third distribution amount. A mortgage storage means for storing a plurality of mortgages, a setting order in registration of the plurality of mortgages, and a dividend amount of the plurality of mortgages in association with a certified copy.
Setting means for setting a processing order for comparison in the payout processing database, which is a processing priority order in the payout process for each of the plurality of mortgages and is an arbitrarily set order that does not overlap;
For data on mortgages with the same copy number read from the mortgage storage means, the setting rank on the registration of the plurality of mortgages is compared with the processing rank for comparison, and it is determined whether there is a rank crossing, A copy classification processing means for determining a copy without rank crossing as a “non-crossing group” and a copy with rank crossing as a “crossing group”;
With respect to the certified copies classified into the “non-interlaced group”, the distribution amount is calculated from the initial processing order of the comparison processing order in the dividend processing database to the final processing order, and the dividend amount of the plurality of mortgages is calculated. Non-intersecting group dividend processing means;
For a copy classified as the “intersection group”, a distribution amount is calculated from the initial processing rank of the comparison processing rank in the dividend processing database to the final ranking, and the dividend for the plurality of mortgages is calculated. Group dividend processing means,
The payout calculation result obtained by the non-crossing group payout processing means and the crossing group payout processing means, and for the plurality of copies, calculated for each type of the “non-crossing group” and the “crossing group” A real estate collateral management device comprising display means for displaying the dividend amounts of the plurality of mortgages. In the real estate collateral management method implemented by executing the real estate collateral management program by the processor,
A plurality of mortgages, a set order of registration of the plurality of mortgages, and a dividend amount of the plurality of mortgages are stored in a mortgage storage means in association with a certified copy.
A processing priority order in the payout process for each of the plurality of mortgages is set in the payout process database as an order that is arbitrarily set and does not overlap.
For data on mortgages with the same copy number read from the mortgage storage means, the setting rank on the registration of the plurality of mortgages is compared with the processing rank for comparison, and it is determined whether there is a rank crossing, Enomoto with no order crossing is judged as a “non-crossing group”
Of the certified copies with different ranks, the certified copies with their own mortgages are judged as “in-house mixed groups”. Of the certified copies with different ranks, those with no rank-exchanged copies of their own mortgages are called “other companies' mixed groups”. And
For the copies classified as the “non-interlaced group”, the distribution amount is calculated from the processing order of the initial processing order for comparison in the dividend processing database to the final processing order, and the dividend amounts of the plurality of mortgages are calculated. , Calculating the distribution amount from the initial processing order of the comparative processing order in the dividend processing database to the final processing order for the certified copies classified as “other companies crossing group” and calculating the dividend amount of the plurality of mortgages The distribution amount is calculated from the initial processing rank of the comparison processing rank in the dividend processing database to the final ranking for the copies classified as the “in-house mixed group”, and the dividend amounts of the plurality of mortgages are calculated. Calculate
For the plurality of copies, displaying the calculated dividend amounts of the plurality of mortgages for each type of the “non-crossing group”, the “other-party crossing group”, and the “in-house crossing group”. A real estate collateral management method characterized. Computer
A mortgage storage means for storing a plurality of mortgages, a set order of registration of the plurality of mortgages, and a dividend amount of the plurality of mortgages in association with a certified copy;
Setting means for setting a processing priority for comparison in the payout processing database, which is a processing priority within the payout processing for each of the plurality of mortgages and is an arbitrarily set order that does not overlap;
For data on mortgages with the same copy number read from the mortgage storage means, the setting rank on the registration of the plurality of mortgages is compared with the processing rank for comparison, and it is determined whether there is a rank crossing, A copy without rank crossing is determined as a “non-crossing group”, and a copy with rank crossing is determined as a “company crossing group” with respect to its own mortgage. A copy classification processing means for determining a copy of a mortgage that has no crossing order as a “competition group”
With respect to the certified copies classified into the “non-interlaced group”, the distribution amount is calculated from the initial processing order of the comparison processing order in the dividend processing database to the final processing order, and the dividend amount of the plurality of mortgages is calculated. Non-intersecting group dividend processing means,
With respect to the certified copies classified as the “other companies crossing group”, the distribution amount is calculated from the initial processing order of the comparison processing order in the dividend processing database to the final processing order, and the dividend amount of the plurality of mortgages is calculated. Other company crossing group dividend processing means,
With respect to the certified copies classified as “in-house mixed group”, the distribution amount is calculated from the initial processing order of the comparison processing order of the dividend processing database to the final processing order, and the dividend amount of the plurality of mortgages is calculated. In-house mixed group dividend processing method,
It is a dividend calculation result obtained by the non-crossing group payout processing means, the other company crossing group payout processing means and the in-house crossing group payout processing means, and for the plurality of copies, the “non-crossing group” and the “other-party crossing” A real estate collateral management program for functioning as display means for displaying the calculated dividend amounts of the plurality of mortgages for each type of “group” and “in-house mixed group”.

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