JP2003022365A - Payment receiving system in backup servicer business - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment receiving system in backup servicer business capable of realizing paid-up about payment (refund) of debt collection from a debtor in a convenience store which has a large number of stores and where the debtor can input money 24 hours a day, everyday of the year so as not to violate a money lending regulation laws by transmitting a bill with a receipt to the debtor, in the case an originator in liquidation of receivables going bankrupt. SOLUTION: A credit management collection corporate entity, that has entered backup servicer contract with the originator in a financial claim liquidation system exists, the credit management collection corporate entity, receives information from the originator at all times; and when the originator goes bankrupt, the credit management collection corporate entity performs servicer change notice and money receiving guidance to the debtors of the originator and also transmits a payment sheet, together with the receipt of the previous payment information.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a debt management and collection enterprise that has a backup servicing contract with a special purpose company (SPC) to which an originator has taken over the debt to be securitized by an originator in a liquidation system for financial debt. However, the debt management and collection enterprise always receives information from the originator, and when the originator fails, the debt management and collection enterprise will notify the obligor of the originator of the servicer change notification and payment guide (payment guidance). Regarding the deposit system in the backup servicer business that has become. Especially in the securitization system of financial receivables, the originator has a backup servicing agreement with the special purpose company (SPC) to which the receivables have been transferred, and the debt management and collection enterprise pays the debtor as a payment guide (transfer). Send the form so that the debtor can make payment at a convenience store (hereinafter simply referred to as "convenience store"), and comply with laws such as the Money Lending Business Control Act and efficiently maintain and process securitized loans. The deposit system in the backup servicer business that saves labor.

[0002]

2. Description of the Related Art Securitization of debts is to buy and sell debts such as bills in the financial market for the purpose of preventing fixed funds and efficiently revolving the funds. There is one. Securitized loans include mortgage loan trusts, loans to local public bodies, and general loans receivable from businesses. Liquidation methods include a transfer method in which the claims transferred to a special purpose company (SPC) are sold in small amounts and sold to investors, a trust method in which the claims are trusted by a trust bank, and the beneficiary certificate is sold, and investors There is an anonymous union method in which a fund is issued to a special purpose company and a contract is received to receive interest from the bond.

In the liquidation of debts as described above, when the originator who transferred the debts to a special purpose company (SPC) (mainly a loan specialist at the debt transfer originator) went bankrupt for some reason and went bankrupt, the debtor There are debt management and collection enterprises whose business is to collect payments on behalf of and collect and collect them. As shown in FIG. 15, this debt management and collection enterprise generally collects the debt by the debtor making a bank transfer. That is, when a debt management and collection enterprise sends out a debt collection transfer invoice to a debtor, enclose a transfer form from a financial institution such as a bank (including a credit union or a credit union) or a post office. I am trying to send it.

[0004]

[Problems to be Solved by the Invention] Conventionally, a debt management and collection enterprise has sent a fixed amount of a bill for collection of debts to creditors, that is, regardless of the amount of credits or the amount of debts. It was inconvenient because I had to go to a bank or post office to make a transfer. If the transfer destination bank is different, the fee will be higher, and as a result, it is often the case that the transfer is made to a branch of the same bank as far as possible.

Also, it would be very convenient for the customer to pay at a convenience store with a large number of stores without having to go to a bank or a post office. This is because banks are limited in handling business hours during business hours, which is inconvenient for customers, and it takes time and time to research transfer persons. On the other hand, convenience stores have a large number of stores, can be deposited 24 hours a day, 365 days a year, and have the advantage that the handling fee is cheaper than banks.

[0006] Now that convenience stores have become widespread and the range of financial service institutions has expanded, it is strongly desired in the debt securitization system to be able to make payments at convenience stores in compliance with the law (Article 18 of the Money Lending Business Control Act). ing. Even if payment is made at a convenience store, it will be confirmed that the debtor will receive a receipt for the amount already paid, which is safe and secure in terms of financial services.

The present invention has been made under the circumstances as described above, and an object of the present invention is to promptly send a bill with a receipt when an originator in the securitization of debts fails and to make a payment from a debtor. Backup service service that can be used not only for financial institutions such as banks but also for convenience stores where there are many stores and can deposit for 24 hours 365 days, and not to violate the Money Lending Business Control Law Is to provide a deposit system in.

[0008]

The present invention relates to a deposit system in a backup servicer business in the securitization of receivables, and the above-mentioned object of the present invention is a specific purpose in which an originator has handed over a securitization target claim in a securitization system of financial receivables. There is a debt management and collection enterprise that has a backup servicing contract with a company (SPC), the debt management and collection enterprise always receives information from the originator, and when the originator fails,
This can be achieved by the debt management and collection business entity notifying the obligor of the originator of a servicer change notice and a deposit guide, and sending a payment form and a receipt of the previous payment information together.

Further, the above object of the present invention is to print the payment sheet and the receipt together as one sheet, or to print the combined payment sheet for payment at a convenience store and transfer at a bank or the like. , Or by printing the information on the requirements of Article 18 of the Money Lending Business Control Act on the receipt, or because the information printed on the receipt relates to payment for the previous month, or for the payment form , Whether to print at a convenience store and transfer at a bank, etc., or to print on a dedicated transfer paper dedicated to transfer at a bank, etc. This can be achieved more effectively by further considering the number of items to be paid and allocating the items.

[0010]

BEST MODE FOR CARRYING OUT THE INVENTION According to the present invention, when an originator in the liquidation of debts (mainly a lender specialized in the transferor of debts) goes bankrupt, the debt management and collection company makes a payment request to the debtor of the debt management and collection enterprise. The body (or a collection agency) will promptly notify the debtor of the servicer change and enclose the receipt for the previous payment at the same time as the payment request to the debtor. Make it possible for debtors to pay repayments even at convenient convenience stores, and to comply with the provisions of Article 18 of the Money Lending Business Control Act when making payments. When sending out payment forms, whether to print on a combined payment form for payments at convenience stores and transfers at banks, etc., or on a dedicated transfer form for payments at banks, etc., depending on the amount paid by the obligor Sort out.

FIG. 1 shows such a situation. When a debt management and collection enterprise seeks to collect debts from a debtor by means of a combined payment sheet, the debtor pays by bank transfer or a convenience store (CVS) (payment agency). It can be arbitrarily selected and performed. Currently, the payment limit of the settlement machine at the convenience store is less than 1 million yen (999,999 yen), so if the debtor's payment amount is less than 1 million yen, it will be printed on the combined payment form and the payment amount will be If the amount is 1 million yen or more, it will be sorted so that it will be printed on the dedicated transfer paper.

As a result, for payments of less than one million yen, not only financial institutions such as banks but also convenient convenience stores can make payments. Further, according to the present invention, even if the receipt for the previous payment (for example, the previous month) is received, the money lending business regulation law No. 1
It is printed with items that do not violate Article 8. In addition,
If the amount of money that can be deposited at a convenience store may exceed one million yen due to the performance improvement of the settlement machine in the future, the printing of the combined use payment sheet and the dedicated transfer sheet will be distributed according to the possible amount.

The details of the deposit system in the backup servicer service according to the present invention will be described below with reference to the drawings.

FIG. 2 shows an example of the overall processing of the present invention. An originator 2 who purchases and accepts a bond from a debtor 1 enters into a bond transfer contract with a first special purpose company 3 such as a trust bank, The debtor 1 pays the originator 2 by bank transfer or transfer form, and the collected money received by the originator 2 flows to the first special purpose company 3. The first special purpose company 3 makes a profit participation contract with the second special purpose company 4, and the second special purpose company 4 pays the redemption money to the investor 5. put it here,
The debt management and collection enterprise 20 has a backup service contract with the first special purpose company 3, and the debt management and collection enterprise 20 is further connected with the collection agency 100 for the convenience of collection (collection). Has a collection agency contract.

Information (originator's address, name, repayment status, etc.) that is normally processed and managed by the originator 2 is periodically transferred via the first special purpose company 3 via an online communication means, etc. 20. The debt management and collection enterprise 20 transmits the information to the collection agency company 100 whenever necessary. Therefore, the debt management and collection enterprise 20 and the collection agency company 100 always share the information that the originator 2 has.

Originator 2 is a debt management and collection enterprise 2
0 and information transmitted to the collection agency 100 are debtor information (address, telephone number, gender, date of birth, work place, guarantor, etc.), bond contract information (contract date, total amount of loans, total number of repayments,
Repayment start date, repayment end date, contract date, commission rate, etc., credit record information (obligor ID, bond ID, deposit date, balance at the beginning of the month, remaining number of payments, billed amount (principal, interest) in the current month, interest refund , Overdue amount, etc.), account information, etc.

The operation when the originator 2 fails due to a financial crisis, deterioration of management, etc. will be described with reference to the flowchart of FIG.

When the originator 2 fails (step S1), the failure information is notified to the debt management and collection enterprise 20 online (step S2), whereby the debt management and collection enterprise 20 is shown to the debtor 1 in FIG. In addition to sending such a special law registration certificate, servicer change notification and payment guidance are provided (step S3). Further, the debt management and collection enterprise 20 notifies the collection agency company 100 of the failure of the originator 2 (step S4), and the collection agency company 10
Based on the information of the debtor (step S10), 0 sends the combined payment sheet (or exclusive transfer sheet) 10 to which the receipt for the previous time is attached to the debtor 1. In this case, it is determined whether or not the payment amount exceeds 1 million yen (step S11), and if the payment amount does not exceed 1 million yen, a dual-purpose payment sheet is printed (step S12) and sent. (Step S14). If the payment amount exceeds 1 million yen, a dedicated transfer sheet for bank transfer is printed (step S13) and sent (step S14).

At first, since there is no previous payment, it is a blank receipt. Further, the distribution of the combined payment paper and the dedicated payment paper may be based on the number of printing (payment) items in addition to the payment amount. In the present invention, in order to enable payment at a convenience store, information is printed on the dual-use payment paper 10 by a bar code.

The debtor 1 brings the combined payment sheet 10 sent to him to a convenience store and pays it, and the payment machine of the convenience store automatically carries out the payment process. Since it is also used as a bank, it can be transferred to a bank. Then, when paying at the convenience store, the present invention issues a receipt to comply with Article 18 of the Money Lending Business Control Law. In this way, when the debtor 1 makes a payment at the convenience store, the collection agent company 100 passes the received collection money to the debt management and collection enterprise 20, and the debt management and collection enterprise 20 receives the first special purpose company 3 (and The collected money will be handed over to the second special purpose company 4) and the collected money will be reported.

Here, in Article 18 of the Money Lending Business Control Law, (1) name and address of money lender, (2) contract date, (3) loan amount, (4) received amount and interest, compensation, Principal appropriation amount, (5) date of receipt, (6) wording of receipt of repayment, (7) registration number of lender, (8) name of debtor, (9) payment by person other than debtor If the signature line,
(10) It is stipulated that the balance after repayment must be issued as a receipt (receipt). In the present invention, such contents are printed on the receipt, and the processing is to be given to the customer. It has become.

FIG. 5 shows the relationship between the debtor 1, the collection agent company 100, and the debt management and collection enterprise 20. Normally, the debt management and collection enterprise 20 informs the debtor 1 about payment (repayment schedule, unpaid contact). Etc., and inquiries and information relating to debtor management are exchanged between the debtor 1 and the debt management and collection enterprise 20. Further, the debt management and collection enterprise 20 sends the collection money for liquidation of the debt to the special purpose company or the trust bank, or prepares a report to make contact with the business.

When the originator 2 fails, the debt management and collection enterprise 20 transmits billing data to the collection agency 100 based on the information obtained from the originator 2, and the collection agency 100 sends the creditor 1 to the creditor 1. And send the combined payment sheet 10 (or exclusive transfer sheet). When the debtor 1 is sent a dedicated transfer form, the financial institution sends the remittance management and collection enterprise 20, and when the combined payment form 10 is sent, the convenience store (or the financial institution) collects the money. Pay 100 and send.

The format of the combined use payment form 10 is as shown in FIG. 6, and the convenience store payment form 1 also used as the bank transfer form
1 is printed, and a copy 12 of the headquarters (headquarters or center) of the convenience store and a receipt (receipt) 13 for the previous month on which the items of Article 18 of the Money Lending Business Control Act are printed are perforated. It is connected in a single sheet. On the receipt (receipt) 13, in addition to the name of the creditor, the transferee, the transfer amount, etc., the contents satisfying Article 18 of the Money Lending Business Control Act are printed. Actual examples are shown in FIGS. 7 and 8. As shown in FIG. 7, the dual-purpose payment sheet 10 is printed with the information (-) by the bar code in four stages.

Next, the manner of printing the combined payment sheet 10 and the dedicated transfer sheet will be described with reference to FIG. It is divided into a debt management and collection enterprise 20, a collection service agency 100 of a financial service company that collects money, and a printing company 200.

Debt management information 20 from the debt management and collection enterprise 20
1. The billing information 22 and the previous month's deposit information 23 are taken into the collection agent company 100, the debtor information 21 and the billing information 22 are matched 101, and the transfer paper is edited 102. This edited information 102 and the previous month's deposit The payment sheet is edited 110 by matching 103 with the information 23. The matching 101 is performed by editing each predetermined item of the payment sheet from the debtor information and the billing information, using the debtor ID as a key.
In addition, the matching 103 edits each predetermined item of the previous month receipt guide part from the previous month deposit information based on the debtor ID.

In this case, the setting identification information parameter 11
The previous month's deposit status and company code are set in cooperation with 1 and the due date is set 112. This setting is the increase / decrease days designation parameter 113, the financial institution holiday table 114.
Also, the check date 120 is calculated in cooperation with the closing date table 115 to set the barcode. This data is registered in the shipping history database 121 to respond to inquiries, the payment sheet creation information 122 is created, and the transmission file 123 is created to register the mailbox 1
Do 30. From mailbox 131 to printing company 200
The payment sheet creation information 201 is transmitted to the payout sheet creation information 201, and the payment sheet creation information 201 and the overlay information 202 are used to perform printing 203 on the combined payment sheet or the dedicated transfer sheet.

On the other hand, the relation with the bar code in the check digit calculation 120 is as follows. Figure 10
Shows an example of setting a bar code, and the present invention has a four-stage configuration, and the check digit of each stage is calculated by the weights 1 and 3 of the modulus 10. Then, for the check digit in the second stage, the remainder of A / 10 is set to a with respect to the total A calculated in FIG. 11, and "10-a" is set to the check digit. Further, the check digit in the third row is the remainder of B / 10 to the sum B calculated by FIG.
Let "10-b" be the check digit, and let the check digit in the fourth stage be the remainder C of C / 10 with respect to the total C calculated in FIG. 13, and let "10-c" be the check digit. Then, the remainder of (A + B + C) / 10 is set as d, and "10-d" is set as the whole check digit.

Further, the check digit of the first stage is shown in FIG.
As shown in FIG. 4, the remainder D of D / 10 is defined as d ', and "10-d'" is defined as the check digit, with respect to the total D in which the leading zero is added to the number of digits including the check digit C in the fourth stage. .

Although the SPC format has been described above,
The same applies to other types such as trust type.

[0031]

As described above, according to the deposit system in the backup servicer business according to the present invention, the card member has a large number of stores, can deposit for 24 hours 365 days, and can pay the usage fee at a convenient convenience store. , Payment fees are cheaper than those of financial institutions.

For the convenience store, the handling fee is expected to increase the income, and the loan transfer company can secure the securitized loan. Financial service companies have the advantage of saving labor in deposit processing and enabling early confirmation of deposit results.

[Brief description of drawings]

FIG. 1 is a diagram showing the principle of the present invention.

FIG. 2 is a diagram for explaining a debt liquidation system which is a premise of the present invention.

FIG. 3 is a flowchart showing an operation example of the present invention.

FIG. 4 is a diagram showing an example of an entry certificate.

FIG. 5 is a flowchart showing a processing example of the present invention.

FIG. 6 is a diagram showing a format example of a combined-use payment sheet.

FIG. 7 is a diagram showing a specific example of combined-use payment paper (a part).

FIG. 8 is a diagram showing a specific example of a combined payment sheet (a part).

FIG. 9 is a diagram showing how printing is performed on a combined payment sheet and a dedicated transfer sheet.

FIG. 10 is a diagram for explaining a relationship between a barcode and a check digit.

FIG. 11 is a diagram for explaining the relationship between a barcode and a check digit.

FIG. 12 is a diagram for explaining the relationship between a barcode and a check digit.

FIG. 13 is a diagram for explaining the relationship between a barcode and a check digit.

FIG. 14 is a diagram for explaining a relationship between a barcode and a check digit.

FIG. 15 is a diagram illustrating a conventional processing example.

[Explanation of symbols]

1 debtor 2 Originator 3, 4 Special purpose company 5 investors 10 Combined payment form 13 receipt (receipt) 20 Debt Management and Collection Enterprise 100 collection agency 200 printing companies

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Shigeru Ozumi             7-21-1 Nishigotanda, Shinagawa-ku, Tokyo Stock market             Company Daiei OMC

Claims (7)

[Claims] 1. A debt management and collection enterprise which has a backup servicing contract with an originator in a liquidation system of financial receivables, and the debt management and collection enterprise always receives information from the originator,
When the originator goes bankrupt, the debt management and collection enterprise will notify the obligor of the originator of the servicer change notice and the payment guideline, and also send the payment form and the receipt of the previous payment information together. A deposit system for backup servicer operations. 2. The deposit system in the backup servicer business according to claim 1, wherein the payment sheet and the receipt are spelled together as one sheet. 3. The payment system for backup servicer work according to claim 2, wherein the combined payment paper is printed for payment at a convenience store and transfer at a bank or the like. 4. The deposit system in the backup servicer business according to claim 1, wherein information relating to the requirements of Article 18 of the Money Lending Business Control Act is printed on the receipt. 5. The deposit system in the backup servicer business according to claim 4, wherein the information printed on the receipt is related to payment for the previous month. 6. The payment amount of the obligor, whether to print the payment paper for both payment at a convenience store and transfer at a bank or a dedicated transfer paper for transfer at a bank, etc. The deposit system in the backup servicer business according to claim 1, wherein the deposit system is arranged. 7. The deposit system in the backup servicer business according to claim 6, wherein the distribution is performed in further consideration of the number of payment items of the obligor.