Loan asset managing system and loan asset managing method, and recording medium and computer program product therefor

• US 7,596,527 B2
• Filed: 07/14/2003
• Issued: 09/29/2009
• Est. Priority Date: 07/23/2002
• Status: Active Grant

• Current Assignee: NS Solutions Corporation (Nippon Steel Corporation)
• Original Assignee: NS Solutions Corporation (Nippon Steel Corporation)
• Inventors: Maehara, Takumi, Sumi, Moriyasu
• Primary Examiner(s): Poinvil; Frantzy
• Assistant Examiner(s): GRAHAM, CLEMENT B
• Application Number:
  US10/617,701
• Publication Number:
  US 20040078322A1
• Time in Patent Office: 2,269 Days
• Field of Search: 705/37, 705/38, 705/34, 705/26, 705/36
• US Class Current: 705/37
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

A processing section 46 for analyzing residential mortgages analyzes a first portfolio in first residential mortgages based on information on the first residential mortgages and outputs a first analysis result. A processing section 47 for evaluating securities current value analyzes a second portfolio in second residential mortgages in relation to the current value of residential mortgage-based securities that are the results of securitizing the second residential mortgages, based on information on the residential mortgage-based securities and outputs a second analysis result. A processing section 48 for extracting difference compares the first analysis result and the second analysis result to extract a difference between the second portfolio and the first portfolio. A processing section 49 for changing examination conditions changes examination conditions for examining users of residential mortgages based on the difference extracted by the processing section 48 for extracting difference.

Claims

1. A loan asset managing system, comprising:

a loan asset analyzing means that analyzes a first portfolio that is aggregate of loan asset information for which contract has been completed and that are not securitized, and outputs a first analysis result;

a securities current value evaluating means that analyzes a second portfolio that is aggregate based on current value information of securitized loan assets and second loan asset information that are basis of the securitized loan asset, and outputs a second analysis result;

a difference extracting means that compares said first analysis result outputted by said loan asset analyzing means and said second analysis result outputted by said securities current value evaluating means and extracts a difference between said second portfolio and said first portfolio; and

an examination condition changing means that changes examination conditions for examining users when money or product is lent to the users, based on the difference extracted by said difference extracting means.

2. The payment processing system of claim 1, wherein at least one of adapter modules is configured to communicate dam with a mobile communications device consistent with an secure socket layer secure electronic transaction communications protocol thereby ensuring a high level of security in communicating the customer financial account data.

3. The loan asset managing system according to claim 2, further comprising:

an optimizing means that makes adjustment of a degree of the change in said examination conditions made by said examination condition changing means and a degree of the change in said financial product conditions made by said financial product condition changing means to optimize these degrees.

4. The loan asset managing system according to claim 1, further comprising:

an examining means that examines said users based on information on said users and said examination conditions changed by said examination condition changing means.

5. The loan asset managing system according to claim 2, further comprising:

an examining means that examines said users based on information on said users and said examination conditions changed by said examination condition changing means.

6. The loan asset managing system according to claim 3, further comprising:

an examining means that examines said users based on information on said users and said examination conditions changed by said examination condition changing means.

7. The loan asset managing system according to claim 1, further comprising:

a loan asset managing means that manages a loan asset of said financial product for which said financial product conditions are set, based on said financial product conditions changed by said financial product condition changing means.

8. The loan asset managing system according to claim 2, further comprising:

a loan asset managing means that manages a loan asset of said financial product for which said financial product conditions are set, based on said financial product conditions changed by said financial product condition changing means.

9. The loan asset managing system according to claim 3, further comprising:

a loan asset managing means that manages a loan asset of said financial product for which said financial product conditions are set, based on said financial product conditions changed by said financial product condition changing means.

10. The loan asset managing system according to claim 4, wherein said examining means reexamines said users based on user information used in past examination and said changed examination conditions when said examination condition changing means changes said examination conditions.

11. The loan asset managing system according to claim 5, wherein said examining means reexamines said users based on user information used in past examination and said changed examination conditions when said examination condition changing means changes said examination conditions.

12. The loan asset managing system according to claim 6, wherein said examining means reexamines said users based on user information used in past examination and said changed examination conditions when said examination condition changing means changes said examination conditions.

13. A computer loan asset managing method, comprising:

a first step of using a process for electronically analyzing a first portfolio that is an aggregate of loan asset information stored in a computer memory for which a contract has been completed and that is not securitized, and outputting a first analysis result;

a second step of using a process for electronically analyzing a second portfolio that is aggregated based on current value information of securitized computer loan assets and second loan asset information stored in the computer memory that are basis of the securitized computer loan assets and outputting a second analysis result;

a third step of using a process for electronically comparing said first analysis result outputted in said first step and said second analysis result outputted in said second step and extracting a difference between said second portfolio and said first portfolio; and

a fourth step of using a process for electronically changing examination conditions for examining users when money or product is lent to the users, based on the difference extracted in said third step.

14. The loan asset managing method according to claim 13,

wherein said loan asset managing method further comprising:

a fifth step of changing financial product conditions determined beforehand by the kind of financial product used by said users, based on the difference extracted in said third step.

15. The loan asset managing method according to claim 14, further comprising:

an optimizing step of adjusting a degree of the change in said examination conditions made in said fourth step and a degree of the change in said financial product conditions made in said fifth step to optimize these degrees.

16. The loan asset managing method according to claim 13, further comprising:

an examining step of examining said users based on information on said users and said examination conditions changed in said fourth step.

17. A computer-readable recording medium on which a computer program is recorded, said computer program comprising:

a computer-readable program code means for executing a first step of analyzing a first portfolio that is aggregate of in first loan assets formed by lending money or a product to users according to financial product conditions, based on loan asset information for which contract has been completed and that are not securitized, that-is and outputting a first analysis result;

a computer-readable program code means for executing a second step of analyzing a second portfolio that is aggregate based on current value information of securitized loan assets and second loan asset information that are basis of the securitized loan asset, in second loan assets in relation to current values of loan asset tien ugtie˜

, and outputting a second analysis result;

a computer-readable program code means for executing a third step of comparing said first analysis result outputted in said first step and said second analysis result outputted in said second step and extracting a difference between said second portfolio and said first portfolio; and

a computer-readable program code means for executing a fourth step of changing examination conditions for examining˜

users when˜

money or product is lent to the users, based on the difference extracted in said third step.

18. The computer-readable recording medium on which the computer program is recorded according to claim 17,

wherein said computer program further comprises a computer-readable program code means for executing a fifth step of changing san financial product conditions determined beforehand by the kind of financial product used by said user, ef-saN based on the difference extracted in said third step.

19. A computer program product comprising:

a computer-readable program code means for executing a first step of analyzing a first portfolio that is a g.gre.gate of in first loan assets formed by lending money or a product to users according to financial product conditions, based on loan asset information for which contract has been comrleted and that are not securitized, that-4s and outputting a first analysis result;

a computer-readable program code means for executing a second step of analyzing a second portfolio that is a.g.gregate based on current value information of securitized loan assets and second loan asset information that are basis of the securitized loan asset, in second loan assets in relation to current values of loan asset and outputting a second analysis result;

a computer-readable program code means for executing a third step of comparing said first analysis result outputted in said first step and said second analysis result outputted in said second step and extracting a difference between said second portfolio and said first portfolio; and

a computer-readable program code means for executing a fourth step of changing examination conditions for examining said users when said money or product is lent to the users, based on the difference extracted in said third step.

20. The computer program product according to claim 19, wherein the kind of financial˜

educt said computer program product further comprising;

a computer-readable program code means for executing a fifth step of changing said financial product conditions determined beforehand by the kind of financial product used by said users, based on the difference extracted in said third step.