JP2003256646A - Business information processing method and business information processing program for credit recovery - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To reduce the labor burden and cost of a business information processing accompanying credit recovery as much as possible. <P>SOLUTION: This business information processing method for credit recovery is used in a scheme for a business assignee 3 executing a prescribed business information processing of the business information processing of a credit recovery assignee 2 assigned by a creditor 1 who approaches a debtor 4. In a network computer having a business assignee computer and a credit recovery assignee computer mutually connected through a network, and a means for storing a business information processing program to be functioned as a means for processing business information, information related to a creditor including its bank account information, information related to a debtor including its name and contact address, information related to a credit, and information related to repayment, the business assignee computer reads and displays presented request on a prescribed screen, and reads in the business information inputted on the prescribed screen stored in the network computer. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to clerical information for debt collection, which efficiently processes clerical information related to debt collection work when a lawyer or servicer entrusted by a creditor carries out debt collection work. The present invention relates to a processing method and an office information processing program.

[0002]

2. Description of the Related Art Conventionally, when a creditor collects a monetary claim from a debtor, the creditor entrusts the attorney or servicer (a debt collection company) to collect the monetary claim, and the entrusted lawyer or servicer Is being collected from. Persons who can entrust the collection of monetary claims from creditors are authorized to collect specific monetary claims by obtaining the permission of the lawyer authorized by the Lawyer Law and the Act on Special Measures concerning the Debt Management and Collection Business. Limited to servicers.

[0003]

[Problems to be Solved by the Invention] However, when an attorney or a servicer entrusted with debt collection by a creditor performs collection work, it is necessary to process office information associated with the collection work. It requires labor and cost, especially when the number of monetary claims to be collected is large or there are many small monetary claims, the labor burden and cost increase dramatically, and from the viewpoint of cost effectiveness, it is profitable. Will be difficult to secure. Therefore, there has been a strong demand for an invention capable of reducing the labor load and cost required for processing office information associated with collection work.

The present invention has been proposed in view of the above problems, and when an attorney or a servicer entrusted by a creditor mainly performs a debt collection task, the labor burden of processing the office information associated with the debt collection is increased. An object of the present invention is to provide an office information processing method and office information processing program for debt collection that can reduce costs as much as possible.

[0005]

According to the method or system for processing information on debt collection of the present invention, the administrative trustee executes predetermined information processing out of the information processing on the debt collector who approaches the debtor. This is a method for processing business information of debt collection used in the scheme, in which a trustee computer capable of displaying and inputting a predetermined screen and a debt collector computer are constantly or timely connected via a network, and at least the network computer is used as office information. A means for storing an office information processing program that functions as a means for processing the information, a means for storing information about the obligor including account information, a means for storing information about the obligor including a name and contact information, and the obligee Means for storing information about debts held by debtors and means for storing information about repayments In a network computer having, the office work trustee computer takes in a presentation request of a predetermined screen capable of inputting predetermined office information, displays a predetermined screen corresponding to the presentation request, and is stored in the network computer. It is characterized in that the office information input on the predetermined screen is fetched.

Further, the method or system for processing information on the collection of claims of the present invention is a claim used in a scheme in which a trustee executes a predetermined piece of information processing out of the information processing of a debt collector who approaches a debtor. This is a business information processing method for collection, in which a trustee computer capable of displaying and inputting a predetermined screen and a debt collector computer are constantly or timely connected via a network, and at least,
Means for storing an office information processing program that causes the network computer to function as means for processing office information, means for storing information about a creditor including account information, and information about a debtor including a name and contact information. In a network computer having means, means for storing information about a claim held by a creditor with respect to a debtor, and means for storing information about a repayment,
The debt collector computer fetches a request for presenting a prescribed screen on which prescribed office information can be input, displays a prescribed screen corresponding to the presented request, and inputs the prescribed screen stored in the network computer. It is characterized in that it takes in office information that has been obtained.

[0007] In the network computer, for example, a debt collector computer or a trustee computer, which is one computer, stores information about creditors, debtors, debts, repayments, etc., as a file or a database, for example. A request for presentation is transmitted and viewed or input by using another computer, a trustee computer or a debt collector computer. Also, the number of debt collector computers and office trustee computers can be one or more. Further, each means can be appropriately installed in the debt collector computer or the office trustee computer.

Further, for example, in the above configuration, in one computer and another computer connected to each other, when the one computer is in an online state, the presentation request of a predetermined screen is taken in and the presentation request is sent to the other computer. Sending or transmitting, receiving and displaying a predetermined screen corresponding to the presentation request transmitted or transmitted from another computer and presenting the input data on the predetermined screen to the other computer. A configuration that sends or transmits, or one computer is offline,
The presentation request of the predetermined screen is taken in, the predetermined screen corresponding to the presentation request stored in the storage unit is displayed, the input data in the predetermined screen is taken in, and the input data is changed to the online state. The configuration is appropriate, such as transmitting or transmitting to the computer.

Further, in the clerical process information processing method or system of the present invention, the network computer has means for storing level information indicating the degree of risk of debt collection or the progress of debt collection. The trustee computer or the debt collector computer is
Fetching a presentation request of a predetermined screen capable of inputting level information, displaying the predetermined screen corresponding to the presentation request, and fetching the level information input in the predetermined screen stored in the network computer; Characterize. By updating the level information that can be grasped objectively from time to time and sharing it, it becomes possible to appropriately judge the necessary action for the target debt or its obligor at that time, and Optimization and speed can be achieved. Further, even when a plurality of people perform the collection work, it becomes possible to execute an appropriate action.

Furthermore, in the method or system for processing clerical work of debt collection according to the present invention, the office trustee computer takes in a request for presenting a predetermined screen on which repayment information of a predetermined item can be input, and responds to the presenting request. It is characterized in that a predetermined screen is displayed and the repayment information of the predetermined item input in the predetermined screen stored in the network computer is fetched. With the above configuration, it is possible to distinguish the information flow related to the repayment payment and the information flow related to the collection approach to the debtor, and promote the efficiency of the entire collection work. In particular, since the trustee will be able to specialize in uniform and large-scale processing of paperwork related to repayment deposits, which is the core of the code of conduct for debt collectors,
The debt collector can specialize in the collection approach, and can dramatically accelerate the overall collection work, improve efficiency, and reduce costs.

Furthermore, in the method or system for processing information on debt collection of the present invention, the office information processing program includes a program for generating a report for reporting a debt collection status to a creditor, and the network computer. Has a means for storing the format of the report and a means for storing information about the business record of the debt collector, and the trustee computer takes in a request to generate a report for creditor reporting and Accordingly, the network computer cooperating with the program for generating the report extracts and reads out at least the information of a predetermined item from the stored information regarding the business record of the debt collector and the information regarding the repayment of each debt. The report generated by introducing the information of the specified items into the report format Characterized by force. With the above-mentioned configuration, since the administrative trustee can generate and submit the creditor reporting report to the creditor who requests the reporting report, the debt collector can specialize in the collection approach, and Can meet the reporting needs of creditors.

[0012] The clerical operation information processing program of the present invention is a debt collection method used in a scheme in which the clerical officer executes predetermined administrative information processing of the clerical information processing of the debt collector approaching the debtor. Information on creditors including at least account information, which is an office information processing program and which is a network computer to which a trustee computer capable of displaying and inputting predetermined screens and a debt collector computer are constantly or timely connected via a network. A means for storing information about the debtor, including a name and contact information, a means for storing information about the debt the creditor has with the debtor, a means for storing information about the repayment, It is characterized by functioning as a means for processing office information by appropriately using the information of.

The debt collector computer or the trustee computer in the present invention may be a single computer or a network computer connected by a network such as a server and a terminal. The administrator computer or the office trustee computer may be a server, a personal computer, a terminal, or the like as appropriate. The network in the present invention may be wired, wireless, the Internet, a dedicated network, or the like. Further, it is preferable that the debt collector be a trustee of the debt collection business such as a lawyer or a servicer.
It can be the creditor itself, and may be the person who bought the debt or the person who commissioned the debt collection.

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION A specific embodiment of an office information processing method in debt collection according to the present invention will be described below. FIG. 1 is an explanatory diagram for explaining a debt collection scheme for executing the business information processing method according to the present embodiment. 1 is a creditor, 2 is a debt collection trustee, 3 is a collection clerical work trustee, and 4 is a debtor. is there.

In the debt collection scheme shown in FIG. 1, the creditor 1 is a credit collection trustee 2 such as a lawyer or a servicer.
A contract to consign the debt collection business to the collection business, and a contract to entrust the collection business trustee 3 with the prescribed business information processing business associated with the debt collection business. Outsources the office information processing business. With the conclusion of the contract for consigning the collection service and the office information processing service, for example, the debt collection trustee 2 instructs the collection office trustee 3 to perform predetermined office work such as input screen data from the debt collection trustee computer 20 described later. While presenting the data necessary to execute the information processing, the collection-time affairs trustee 3 executes predetermined affairs information processing on the debt collection trustee 2 on the input screen, etc. Provides know-how and supports systems such as consulting.

[0016] Then, the debt collector 2 carries out the debt collection operation such as the negotiation of the repayment with respect to the debtor 4 of the debt, and the debtor 4 has an account in the name of the creditor 1 which is a designated account for payment of repayment. Alternatively, if the credit collection trustee 2 deposits money into the account and the designated account for repayment deposit is the account of the credit collection trustee 2, the credit collection trustee 2 further uses the account in his own name The credit is collected by depositing the money into the account of the person 1. The account of the creditor 1 or the account of the debt collection trustee 2 which is the designated account for payment and payment is a dedicated account for debt collection, and based on the contract for the dedicated account,
When there is a deposit in the dedicated account, the bank in which the dedicated account is opened will contact the collection office trustee 2. The contact is made by sending an electronic mail from the FAX or bank computer to the collection office trustee computer 30. In addition, one or a plurality of creditor's accounts, which are designated accounts for repayment payment, or creditor's accounts to be deposited from the account of the credit collection trustee 2, are opened for each creditor. Further, as the debt is collected, the debt collection trustee 2 or the collection clerical work trustee 3 or both of them perform a business report on the collection of the deposited credit to the creditor 1.

Note that the collection processing performed by the debt collection trustee 2 includes call negotiation, collection negotiation, investigation, legal procedure, etc. with the debtor such as call, power reception, visit, visit reception, document delivery, document receipt, etc. This is a required process, and the administrative information processing carried out by the collection work trustee 3 is necessary for confirmation of payment, payment processing, settlement of repayment, preparation of various reports, confirmation of the progress of collection of consigned claims and return work. The processing is processing other than office information processing performed by the debt collection trustee 2. Further, the business information processing of the present embodiment is applicable not only to trust receivables, but also to purchased receivables and claims that have not been contracted or purchased. In other words, the debt collection trustee 2 and the collection office trustee 3 In addition to, between the transferee of the claim and the trustee 3 of the collection operation, and between the original creditor and the trustee of the collection operation 3
The office information processing of the present invention can be performed between and.

Next, in the above-mentioned debt collection scheme, the hardware configuration for executing the office information processing of this embodiment will be described. FIG. 2 is a block diagram showing the hardware configuration thereof, and FIGS. 3 to 7 are views showing examples of contents of a creditor information file, a debtor information file, a bond information file, a repayment information file, and a business record information file, respectively.

In the hardware configuration of this embodiment, as shown in FIG. 2, the debt collection trustee computer 20 of the debt collection trustee 2 and the collection office trustee computer 30 of the debt collection trustee 3 are connected to a communication network such as the Internet. The debt collection trustee computer 20 and the collection office trustee computer 30 have storage units 21, 31 such as a ROM and a RAM, and a central processing unit such as a CPU for performing predetermined control and calculation. 22 and 32, input units 23 and 33 such as a keyboard and a mouse, image display means such as a display and output units 24 and 34 such as a printer, and communication control units 25 and 35 for controlling communication in a communication network.

The debt collection trustee computer 20 cooperates with hardware such as the storage unit 21 and the central processing unit 22 to execute predetermined control and calculation in a predetermined storage area of the storage unit 21 to collect the debt. A collection office information processing program 211 that causes the hardware of the trustee computer 20 to function as a means for carrying out office information processing of the present embodiment, a creditor information file 212 in which information about creditors is recorded, and information about debtors are recorded. Debtor information file 213,
Bond information file 21 that records information about bonds
4. A repayment information file 215 in which information on the repayment status of the bond is recorded, and a business record information file 216 in which business record information such as the progress status of the collection business for the bond is recorded.
Etc. are memorized. Also, the collection office trustee computer 3
0 indicates that the storage unit 31 is stored in a predetermined storage area of the storage unit 31.
And the central processing unit 32 and other hardware to execute predetermined control and calculation, and access the debt collection trustee computer 20 through the hardware of the collection office trustee computer 30 to perform the office information processing of the present embodiment. It stores a peripheral office information processing program 311 corresponding to the collection office information processing program 211 and the like that functions as a means for performing. In addition to the above, the storage units 21 and 31 store data and programs necessary for office information processing of this embodiment in predetermined storage areas.

In the present embodiment, the peripheral office information processing program 311 is accessed by the collection office trustee computer 30 by extracting predetermined items from the electronic data of the trust loan received from the creditor 1. An entry for causing the collection office trustee computer 30 to function as a means for automatically newly entering data relating to the trustee in the creditor information file 212, the debtor information file 213, the bond information file 214, etc. of the debt collection trustee computer 20. Although the program is included, the entry program may not be included. Further, the collection office information processing program 211 and the peripheral office information processing program 311 may be programs having the same function.

Further, it is preferable that the data of each required part or all of the files of the debt collection trustee computer 20 be stored in the collection office trustee computer 30 and backed up in accordance with the input of the data. The recovery office trustee computer 30 also stores necessary files such as a creditor information file, a debtor information file, a bond information file, a repayment information file, and a business record information file. In addition to the data input, the collection office trustee computer 30 accesses the debt collection trustee computer 20 via the network, fetches the required data in the debt collection trustee computer 20, and collects the data. It is also possible for the computer 30 to store and back up. Also, the collection office trustee computer 30
Can access the debt collection trustee computer 20 and use predetermined data.

Further, the required information in the debtor information file 213 of the consignment loan with the management number is extracted to the recovery office information processing program 211 and the peripheral office information processing program 311 by designating the management number of the consignment claim and the like. It is suitable to include a resident's card application program that automatically generates an application for the resident's card of the addressed debtor, which contributes to the search for the missing debtor. In addition, the collection office information processing program 211 and peripheral office information In the processing program 311, the required information is extracted from the debtor information file 213, the creditor information file 212, the bond information file 214, etc. of the consignment of the management number by designating the management number of the consignment, and the contents addressed to the creditor are extracted. Contents that automatically generate a survey application form By including a survey application program, in the event of doubt about the content of a claim or debt, it will be effective for creditors. Is suitable for is made possible alignment have.

In the creditor information file 212, for example, as shown in FIG. 3, the creditor number which is a management number for the creditor, the name of the creditor, the telephone number / fax number / postal code and address of the creditor, and the creditor. Department in charge, name of the person in charge, name of the billing bank that is the bank in which the designated account (billing account) for repayment deposits is open, branch name of the billing bank, account type of the designated account, account number of the designated account・ The account holder of the designated account, which is the creditor 1 or the credit collection trustee 2, and the clearing bank, which is the bank in which the clearing account is the account into which the fee for collecting the trust claims is credited from the creditor 1. name·
It stores the branch name of the clearing bank, the account type of the clearing account, the account number of the clearing account, the account holder of the clearing account, and the clearing date, which is the payment date of the fee. It should be noted that, among the predetermined items set in each file, items that can be input at each time point are input and stored at appropriate times.

In the example of FIG. 3, the account holder of the clearing bank is set to the collection office trustee 3, but it is either the debt collection trustee 2 or the debt collection trustee 2 based on the consignment contract. It is possible to set up a clearing account in the name of both of the administrative trustee 3, and if either the collection administrative trustee 3 or the debt collection trustee 2 is set up, the settlement account will be collectively After depositing the paid fee, the portion of the other fee is deposited in the other account. Incidentally, when only the settlement account in the name of the collection operation trustee 3 is set and the debt collection trustee 2 is an attorney, the collection operation trustee 3 may perform the withholding process. Further, when the debtor 4 deposits the money into the account of the debt collection trustee 2 and deposits it from the account into the account of the creditor 1, the debt collection trustee 2 subtracts the fee from the creditor 1 You may make a payment to the account of.

In the debtor information file 213, for example, as shown in FIG. 4, the management number for the bond, the name and name of the debtor of the bond, the gender of the debtor, the date of birth, the home telephone number, and the cell phone are carried. Telephone number, home zip code and address, obligor's business name, postal code and address of employer, employer's industry, obligor's insurance type, obligor's years of service, monthly income, annual salary, payday, debt Area classification (division) to which the address of the obligor belongs, age classification (division) to which the obligor's age belongs, creditor number and creditor name of the obligee of the consignment claim that the obligor owes, and the obligor Your company management number, which is the management number of the consigned claims, the pattern or business pattern set according to the content of the claim, the type of business of the creditor, the level set according to the progress of the business or the risk of debt collection, negotiation with the debtor State of reconciliation with Notification dispatch and call-such as collection business is state-debtor has stopped all stores the credit classification, etc. to classify the state of in receivables to that time, such as missing of the state. The debtor information file 213 of the debtor of the specific bond is associated with the creditor information file 212 of the creditor of the deposit by the creditor number of the creditor of the specific credit included in the debtor information file 213. Has been.

In the bond information file 214, for example, FIG.
As shown in, the trust number management number, the names and names of obligors of the trust claims, the type of trust claims and the type of trust claims, the contents of the trust claims, the normal interest rate and the overdue interest rate of the trust claims,
For example, deficiency at the time of consignment of accrued interest, uncollected balance of entrusted claims at the time of entrustment or at that time, contract date of the debt and obligation contract which is the date of occurrence of the original claim of the entrusted claim, Initial contract amount at the time of contract, trust principal that is the principal of the trust receivable, repayment cycle of the trust receivable, repayment date, basic repayment amount, previous repayment date,
Memorize next repayment date. The bond information file 214 of the specific bond is associated with the debtor information file 213 of the debtor of the specific bond by the management number of the specific bond included in the bond information file 214.

The repayment information file 215 contains, for example, FIG.
As shown in, the trust number control number, debtor name, previous repayment date, previous repayment amount, next repayment date, interest and damages of previous repayment amount, principal of previous repayment amount, for example unpaid It stores deficits at the time of consignment of interest, etc., uncollected balance of consignment claims, etc. Repayment information file 215 for specific deposits
Is a credit information file 214 of a specific bond or a debtor information file 2 of the debtor of the bond, depending on the management number of the specific bond included in the repayment information file 215.
13 is associated with. The bond information file 21
4 and repayment information file 215, such as shortfalls, uncollected balances of consignment claims, etc., records of duplicate items in multiple files will be recorded in one file and stored in another file. ing.

Further, the predetermined or required data in the interest / damage amount for the repayment amount and the uncollected balance of the trust receivable is
By the debt collection trustee computer 20 which cooperates with the collection operation information processing program 211, in accordance with the input of predetermined items such as the last repayment date and the last repayment amount, the input data and the normal interest rate of the debt information file 214 of the particular deposit It is a configuration that is automatically calculated and updated using data such as interest rate and delinquency rate. Note that the bond information file 214 and the repayment information file 215 may be a bond / repayment information file in which information about a bond and information about a repayment are recorded together.

In the business record information file 216, for example, as shown in FIG. 7, a business record for a trust receivable of a corresponding management number (the obligor's name or the like may be set in addition to the management number if necessary) Store information. In the item of business record information, for example, the date and time of recording or the date and time when some business processing is performed such as the notification shipping date and the negotiation date, the recording date and time, the person in charge, the place, the name of the other party, the method and contents of the collection business , The due date of payment when the promise of payment of payment is attached, the designated date (starting date) which is the day when some business processing such as notification sending date and negotiation date, the expected payment amount on the payment date There is a designated date, the next scheduled work date such as the next scheduled contact date to the debtor, and the next day that is set based on the start date and the pattern and level, and the required items are recorded, depending on the recording date and recording time. , Business record information is stored in time series.

On the next day, for example, the debt collection trustee computer 20 that cooperates with the collection office information processing program 211 is set in a predetermined storage area of the storage unit 21 according to the business pattern and level. It is set by using the number of days and counting for the number of days from the start date.
In order to extract the number of days, for example, in a predetermined storage area of the storage unit 21, a predetermined number of days is set corresponding to a combination of a specific business pattern and a specific level of each business pattern and each level. Memorize the table. Further, the business record information file 216 of the specific entrusted claims is the claim information file 214 of the specific entrusted claims according to the management number of the particular entrusted claims included in the business record information file 216.
And a repayment information file and a debtor information file 213 of a debtor of a specific trust.

Next, the office information processing in this embodiment will be described. The office information processing in this embodiment is
The debtor information file 212, the debt, by the debt collection trustee computer 20 in which the collection office information processing program 211 and the hardware cooperate, and the collection office trustee computer 30 in cooperation with the peripheral office information processing program 311 that accesses it. The creditor information file 213, the bond information file 214, the repayment information file 215, the business record information file 216, etc. are read out and executed in a timely manner, and stored in each file or a predetermined file of the storage unit 21 of the bond collection trustee computer 20. The information can be called and output by both the debt collection trustee computer 20 and the collection office trustee computer 30, and can be input and stored by both parties, and the information is shared by both parties.

FIG. 8 is a flowchart showing the basic flow of an example of office information processing. In the example of FIG. 8, the collection office trustee 3 receives the information on the trustworthy claims from the creditor 1 by periodic continuous trusting or the like (S1). Then, the collection operation trustee computer 30 accesses the debt collection trustee computer 20 via a communication network such as the Internet, and responds to a call of a predetermined input screen on the collection operation trustee computer 30 to issue the bond in the online state. The collection trustee computer 20 presents a predetermined input screen, and the collection office trustee computer 30 displays the predetermined input screen. Thereafter, the collection office trustee computer 30 enters data of predetermined items such as the bond information file 212, the debtor information file 213, and the bond information file 214 based on the information about the bond, and the bond collection trustee computer 20 makes Information file 21
2, debtor information file 213, bond information file 21
The data of predetermined items relating to the consignment claims are stored in each item of 4 (S2).

The receipt of the information regarding the consignment claim from the obligee 1 of the collection operation trustee 3 is, for example, electronic data such as an attachment file of an electronic mail transmitted from the terminal of the obligee 1 via a communication network such as the Internet. The configuration in which the collection office trustee computer 30 receives and captures
The collection work trustee computer 30 takes in electronic data recorded in a computer-readable recording medium mailed from the creditor 1, and the collection work trustee 3 receives the data from the creditor 1 in paper. It is possible.

In the entry of the predetermined item data into the debt collection trustee computer 30, when the information relating to the deposit credit is electronic data, the collection office trustee computer 30 which cooperates with the entry program of the peripheral office information processing program 311. Thus, data of a predetermined item is extracted from the electronic data, the format, position, etc. are converted and new data is generated as necessary, and data entry is performed on a predetermined input screen. The entered data is transferred to the debt collection trustee computer 30.
Creditor information file 212, debtor information file 21
3, stored in the bond information file 214 and the like. Since the entry program corresponds to the difference in the data item and format of the electronic data of each creditor, it is generally used as a plurality of programs corresponding to the electronic data of each creditor or the electronic data of each creditor. It is possible to use a general-purpose program that can be used.

In the case of paper, the collection operation trustee computer 30 accesses the debt collection trustee computer 20, and the collection operation trustee computer 30 newly inputs the data of the deposit trust. In response to the call input, the debt collection trustee computer 20 presents each input screen such as a creditor information input screen, a debtor information input screen, a bond information input screen, and the collection office trustee computer 30 displays an image of the output unit 34. The input screen is displayed on the display means. Then, in the collection office trustee computer 30, the data of predetermined items are entered on the input screen,
The debt collection trustee computer 20 stores the entered data in a predetermined storage area such as the creditor information file 212, the debtor information file 213, and the debt information file 214. In the case of electronic data as well, it is possible to input by duplicating it in the same manner as the paper, and the input screen can be one or plural.

At the time of the entry, the business pattern or the pattern of the consignment loan and the initial setting of the level are automatically or set by the judgment based on the data of the predetermined items by the entry program. It is entered by selecting and deciding or by manual input, and stored in the debtor information file 213 or the like of the debt collection trustee computer 20. In addition, the setting of the definition of the pattern or the business pattern or the level can be changed, and the definition of the pattern or the level to be changed or newly set can be set by calling the pattern definition setting screen or the level definition setting screen, Information on a new pattern or level can be stored and saved in a predetermined storage area of the storage unit 21.

Further, the collection office trustee computer 30 in the offline state cooperates with the peripheral office information processing program 311 in response to the call input on the predetermined input screen, and the storage section 31.
Data of a predetermined input screen stored in a predetermined storage area of the device is displayed and displayed, and the bond information file 2 is based on the information on the consignment bond input on the predetermined input screen.
12, debtor information file 213, bond information file 2
Data of a predetermined item such as 14 is fetched, and then the collection office trustee computer 30 accesses the debt collection trustee computer 20 to be in an online state, and the data of the input predetermined item or a screen data including the same is transmitted. By doing so, the debt collection trustee computer 2
0 is creditor information file 212, debtor information file 2
13, the bond information file 214 and the like may store the data of the predetermined item, or both the input in the online state and the input in the offline state may be possible. Incidentally, in the case of inputting in the offline state, it is possible to adopt the same addition or change configuration as in the case of inputting in the online state.

When the data of the required items relating to the trust claims are entered and stored, the debt collection trustee computer 20 determines a predetermined value of the debt collection trustee 2 to send or send the accepted trust claims to the debtor 4. It becomes possible to generate an acceptance notice in the form of a debt collection trustee computer 20, and the debt collection trustee computer 20 responds to an input of a command to generate an acceptance notice and a designated input of a management number of the trust claim, and a debtor information file of the trust claim of the management number. On the basis of 213, etc., an acceptance notice for the debtor 4 is generated and output, including the fact that the debt collection trustee 2 has accepted the deposit, and the image is displayed or printed out as necessary (S3). .
The debt collection trustee 2 sends the output acceptance notice to the debtor 4, or sends the acceptance notice of electronic data to the terminal of the debtor 4 as an attached file of an electronic mail or the like, and starts the debt collection operation. . In addition, the notification of appointment or the notification of each collection operation has the information of the billing account in which the creditor 1 or the debt collection trustee 2 is the account holder as the payment deposit account, and the billing account is opened in the information. Include the information on the billing bank's bank name, branch name, billing account type, and billing account number. Further, the acceptance notice of the entrusted debt that has been entered may be automatically generated by the debt collection trustee computer 20 and transmitted to the terminal of the debtor 4.

The debt collection trustee 2 inputs the data of the business record information to the debt collection trustee computer 20 according to the progress of the debt collection business from the start of the collection business, and the input data is the business record information of the storage unit 21. It is stored in the file 216 (S4). When inputting the business record, the debt collection trustee computer 20 uses the collection office information processing program 2
In cooperation with 11, responding to the call input of the business record information input screen in the input unit 23 and the designation input of the consignment loan management number,
Business record information file 216 of the trust receivable with the management number
Based on the above, the business record information input screen of the trust receivable with the management number is presented on the image display means of the output unit 24. Thereafter, in response to the input of data of a predetermined item according to the content of the work and the input of the registration on the work record information input screen, the debt collection trustee computer 20 transfers the input data of the predetermined item to the work of the trust bond of the management number. Recording information file 216
Memorize in time series.

Furthermore, depending on the progress of debt collection work, etc.
If necessary, change the level of consignment receivables and set a new level. When changing the level, the debt collection trustee computer 20 that cooperates with the collection office information processing program 211 responds to the debtor information input screen by calling and the management number of the trust debt, according to the trust number of the management number. On the basis of the debtor information file 213, etc., a debtor information input screen for the consignment claim having the management number is presented and displayed on the output unit 24 etc. After that, in accordance with the input of the changed level and the registration thereof on the debtor information input screen,
The debt collection trustee computer 20 stores the changed level in the debtor information file 213 or the debt information file 214 of the trust claim of the management number.

For example, when the debt collection trustee 2 attaches a promise of repayment as a result of negotiation with the debtor 4, the promised date is entered in the record date item on the business record information input screen, and the Enter the contents etc. in the corresponding items, enter the payment date of payment in the item of the specified date as the start date, enter the planned amount of payment in the item of the specified amount, and on the debtor information input screen, Enter the level change. The input data is stored in the business record information file 216 or the like. Further, the debt collection trustee computer 20 that cooperates with the collection office information processing program 211, according to the level change, based on the pattern and level of the debt,
A predetermined number of days stored separately in the storage unit 21 from the start date is read and counted, and the next day, which is the next scheduled work day after the predetermined number of days has elapsed from the start date, is set and stored in the work record information file 216 or the like. . Note that the next day can be manually changed, set, and stored.

Further, for example, the debt collection trustee 2 is the debtor 4
If, as a result of the negotiation with the company, the promise of payment cannot be attached, the date of the negotiation is entered in the record date and the calculation date (designated date) items on the business record information input screen, and the details are handled. Each of the items to be input is input, the level is changed and input as necessary, and these input data are stored in the work record information file 216 and the like. Then, similar to the above, based on the pattern and the level, a predetermined number of days are counted from the start date and the next day, which is the next scheduled business day, is set.

Further, for example, the debt collection trustee 2 is the debtor 4
In principle, if the next set date arrives based on the set pattern and level at the start of work and the calculated date (designated date) such as the sending date of the appointment notice, etc. without the opportunity to negotiate with As the next day, execute the work on the next day, and on the work record information input screen, enter the next day that came or the day when the work was executed in the record date and start date (designated date) items, and specify the contents of the work etc. The corresponding items are input, the level is changed and input as necessary, and these input data are stored in the work record information file 216 or the like. Then, similar to the above, based on the pattern and level, a predetermined number of days are counted from the start date, and the next day, which is the next scheduled business day, is set and stored. In addition, the date of performing the business such as the notification shipping date or the negotiation date or the payment due date is set as the calculation date.

When the debt collection trustee 2 has negotiated with the debtor 4, or when there is no negotiation with the debt collection trustee 2's debtor 4, but there is a repayment deposit in the billing bank account. Based on the contract, the collection office trustee 3 receives a notification from the billing bank that the deposit was made. The contact method is appropriate by telephone, FAX, electronic mail or the like, and the terminal of the collection office trustee 3 in the case of electronic mail or the like is suitable such as the collection office trustee computer 30 or another terminal. Alternatively, the collection work trustee 3 accesses the collection work trustee computer 20 or another terminal through the communication network and confirms whether or not there is a repayment deposit in the designated account of the billing bank, and confirms that there is a repayment deposit.

Trustee 3 who has confirmed payment
Accesses the debt collection trustee computer 20 via the communication network by the collection office trustee computer 30 and inputs information relating to payment of the repayment (S).
5). In inputting the information relating to the repayment deposit, the collection office trustee computer 30 accesses the debt collection trustee computer 20 via the communication network, and the repayment information input screen is displayed in response to the call input and the designation input of the trust loan management number. The debt collection trustee computer 20 presents the repayment information input screen of the trust loan of the management number based on the repayment information file 215 of the trust number of the management number, and the collection office trustee computer 30 displays the repayment information input screen. indicate.

Thereafter, the collection office trustee computer 30
In accordance with the input of repayment data of a predetermined item such as the previous repayment date and the previous repayment amount (this repayment amount) on the repayment information input screen and the input of the registration, the debt collection trustee computer 20 Based on predetermined data such as the delinquency rate and the repayment cycle in the bond information file 214 of the number of trust claims,
The next repayment date, the repayment data of the specified items such as interest / damage and repayment amount in the previous repayment amount (current repayment amount), the repayment data of the predetermined items such as uncollected balance of the entrusted claims, etc. are calculated And the calculated repayment data of the predetermined item is set or updated and stored in the repayment information file 215 of the consignment claim of the management number.

Note that when the repayment money is sent to the creditor 1 or the credit collection trustee 2 in cash, or when it is deposited in an account of a creditor other than the designated billing bank account, the creditor 1
Alternatively, the collection operation trustee 3 who has been contacted by the debt collection trustee 2 performs the above-mentioned repayment information input processing, but the debt collection trustee 2 can also input the repayment information on the debt collection trustee computer 20. Is.

Further, when the debt collection trustee 2 or the collection work trustee 3 or both of them are in the collection work, for example, when the debtor 4 is in the missing state such as unknown address or no telephone communication, The business record information relating to the unknown state is input and the level is changed, and the whereabouts of the obligor 4 is investigated. The input of business record information, the input of change of the level and the storage thereof in the debt collection trustee computer 20 or the collection office trustee computer 30 that accesses the debt collection trustee computer 20 are performed in the same manner as described above. When searching for the missing debtor 4, for example, the debt collection trustee 2 or the collection office trustee 3 uses the collection office information processing program 211 or the peripheral office information processing program 3
By the debt collection trustee computer 20 or the collection office trustee computer 30 that cooperates with the resident card application program included in 11, etc., an application for a resident card for each local government to be sent to each local government is automatically generated. Output.

At the time of generating the resident card application, for example, a resident card application program is issued in response to an input of a command to generate a resident card application by the debt collection trustee computer 20 or the like, and a designated input of a trust number management number. The debt collection trustee computer 20 or the like that cooperates with each is stored in necessary information such as the name of the debtor in the debtor information file 213 of the trust number of the management number, or separately stored in a predetermined storage area of the storage unit 21. Based on required information such as the address of the municipality, a resident's card application form is automatically generated and presented to the debtor of the consignment claim addressed to each municipality. The resident card application form is printed out and sent to each local government. Similar to the content survey request form described later, an electronic data resident card application is sent to each local government, and the debt collection trustee computer 20 automatically sends the electronic data resident card application to each local government. It may be configured to be transmitted in an active manner.

According to the search investigation, the missing debtor 4
If the new address etc. is found, the related information such as the old address is stored and held in the debtor information file 213, and the debtor information such as the new address or new telephone number is input and updated, and the level is changed. The data is input and updated, the new data and the new level are stored in the debtor information file 213, and the collection operation is restarted. The changed level is input and stored in the same manner as above, and debtor information such as a new address and new telephone number is stored and stored in the debtor information file 213 in the same manner as in the case of the level. In order to input the debtor information, the level, or both, the collection operation trustee computer 3 who has been contacted accesses the debt collection trustee computer 20 with the collection operation trustee computer 20, and receives the corresponding trustee. You may call and enter the debtor information input screen of the debtor of the bond. Further, by setting the start date, the next day, which is the next scheduled work date, is set based on the pattern and the level, as described above.

Further, after depositing the entrusted claims, the obligee 1 requests the collection operation entrustee 3 or the claim collection entrustee 2 to cancel the entrusted claims collection business due to the bankruptcy exemption of the debtor 4 or the like. In such a case, the collection operation trustee 3 or the debt collection trustee 2 who has received the notification of the collection operation suspension records the details of the collection operation suspension in the business record information file 216 of the trust receivable, and Debtor information file 21
Record the level change in 3 and record the suspension status of the debt classification so that the collection operation will not proceed after the collection operation is notified.

In the record relating to the collection operation suspension request by the collection operation trustee 3, for example, the collection operation trustee computer 30 accesses the debt collection trustee computer 20 through the communication network, and In response to the call input of the business record information input screen and the management number of the consignment claim, the debt collection trustee computer 20 operates the trust number of the management number based on the business record information file 216 of the trust claim of the management number. The record information input screen is presented, and the collection office trustee computer 30 displays the business record information input screen. Thereafter, in accordance with the input of a predetermined item relating to the collection operation suspension request and the registration of the registration operation on the collection record trustee computer 30 in the work record information input screen, the trust receivable of the management number of the bond collection trustee computer 20. The business record information file 216 stores the data of the input predetermined items.

Further, in response to the call input of the debtor information input screen on the collection office trustee computer 30 and the input of the management number of the bond, the debt collection trustee computer 20 causes the debtor information file of the bond of the management number. On the basis of 213, the debtor information input screen of the trust claim of the management number is presented, and the collection office trustee computer 30 displays the debtor information input screen. Thereafter, in accordance with the input of the changed level, the input of the suspended state of the debt classification, and the input of the registration on the business record information input screen on the collection office trustee computer 30, the debt collection trustee computer 2
Debiter information file 21 of the trust receivable with the management number of 0
In 3, the data of the updated post-change level and the suspended state of the debt classification is stored. Note that the debt collection trustee computer 20 can also input and store these data by calling the above-mentioned business record information input screen or debtor information input screen.

Further, when the debtor 4 requests a doubt about the content of the debt or requests for content investigation after the acceptance of the entrusted claim, the debt collection trustee 2 or the collection clerical work trustee 3 who received the contact While inputting the change in the level of the consignment claim, a content survey request form to be sent to the creditor 1 is generated and output, and the content survey request form is sent or sent to the creditor 1 to make an inquiry. As soon as there is a reply from the creditor 1, the debt collection trustee 2 or the collection office trustee 3 records the contents of the reply as business record information, inputs the level change again, and the debt collection trustee 2 Restart collection operations. In addition, when the start date is set, the next day, which is the next scheduled work date, is set based on the pattern and the level as described above.

When the collection operation trustee 3 who has been contacted makes an inquiry about the content investigation in the flow of the application and reply of the content investigation and the restart of business, the collection operation trustee computer 30 causes the debt collection trustee computer 20. In response to the call input of the debtor information input screen and the designation input of the management number on the collection office trustee computer 30, the debt collection trustee computer 20 writes the debtor information file 213 of the management number of the trust debt. Based on this, the debtor information input screen of the management number of the consignment claim is presented, and the collection office trustee computer 30 displays the debtor information input screen. After that, the collection work trustee computer 30
In accordance with the input of the changed level and the input of the registration on the debtor information input screen in, the debtor information file 213 of the management number of the consignment claim of the debt collection trustee computer 20 is updated. Remember the changed level.

Further, the debt collection trustee computer 20 cooperating with the contents research application program responds to the input of the command for generating the contents investigation request form and the designation input of the management number on the collection office trustee computer 30, and the debt collection trustee computer 20 cooperates with the management number. Creditor information file 212 and debtor information file 2
Based on 13, etc., the creditor, the debtor, and the trustworthy claim of the applicable trustworthy claim are extracted, and a content survey request form for the trustee claim addressed to the creditor is generated and presented, and the collection office trustee computer 30 presents it. Display the requested content survey request form.
The collection office trustee 3 prints out the content investigation request form on the collection office trustee computer 30 and sends it to the creditor, or imports the content investigation request form as electronic data by the collection office trustee computer 30, Data content survey request form is transmitted to the terminal of creditor 1 via the communication network. Note that the collection office trustee computer 3
It is preferable to have a configuration in which the content survey request form of the electronic data captured by 0 is automatically transmitted to the terminal of the creditor 1.

Further, when the collection office trustee 3 receives a reply to the content survey request form from the creditor 1, the changed level input by renewing in the same process as above is accepted as the management number. The debt collection trustee computer 2 which is stored in the debtor debtor information file 213 and is accessed in response to the call input of the business record information input screen and the designation input of the management number on the collection office trustee computer 30
0 is the business record information file 2 of the trust receivable with the above-mentioned management number
On the basis of No. 16, the business record information input screen of the trust receivable with the management number is presented, and the collection office trustee computer 30 displays the business record information input screen. After that, in response to the input of predetermined items and the registration of the reply contents in the business record information input screen on the collection operation trustee computer 30, the operation of the trust claim of the management number of the debt collection trustee computer 20. The recording information file 216 stores the predetermined item. Note that these processes can be performed by inputting by the debt collection trustee computer 20 in addition to the collection office trustee computer 30 to be accessed.

Further, in the office information processing system according to this embodiment, by designating the pattern and the level,
It is a configuration that can extract and output the debtor of the consignment claim having the corresponding pattern and level. In other words, the debt collection trustee computer 20 or the debt collection trustee computer 20 that accesses the debt collection trustee computer 20 is designated in accordance with the pattern designation and the level designation and the extraction execution input on a predetermined screen of the collection office trustee computer 30. The debtor computer 20 extracts predetermined items such as the name of the debtor having the designated pattern and the designated level and the content of the deposit, based on the debtor information file 213, the debt information file 214, etc., and the debt collection trustee computer 2
0 or the output section 2 of the collection office trustee computer 30
In 34 and 34, predetermined items such as the obligor's name and the content of the consignment claim are displayed or displayed in the order of the management numbers of the extracted consignment claim. It is possible to make a predetermined call to the extracted debtor.

Further, in the office information processing system according to the present embodiment, the predetermined format of the notification document is stored in the predetermined storage area of the storage unit 21, and the notification document of the specific type and the specific pattern are specified. Information on associations associated with combinations of levels is stored. Then, the designated input of the type of the notification document on the predetermined screen of the debt collection trustee computer 20 or the collection office trustee computer 30 that accesses the debt collection trustee computer 20 and the extraction of the debtor who sends the type of notification document In response to the execution input, the debt collection trustee computer 20 uses the debtor information file 213, the debt information file 214, the business record information file 216, and the like to specify a specific pattern and a specific level corresponding to the type of the notification document. Outputting section 2 of debt collection trustee computer 20 or collection office trustee computer 30
The names of the obligors and the predetermined items of the consigned claims are presented or displayed in the order of management numbers of the extracted consigned claims in 4, 34. In response to the input of the document print command on the presented or displayed screen, the debt collection trustee computer 20 or the collection office trustee computer 30 inserts or introduces a required item among the prescribed items into the notification document of the type. Then, a notice document is generated, and the generated notice document is output as a printout or the like in the debt collection trustee computer 20 or the collection office trustee computer 30.

Then, the collection office trustee 3 uses the collection office trustee computer 30 to collect the debt collection trustee computer 2.
0, and extracts the debtor who executes the predetermined call or the debtor who sends the specific notification document, and the collection office work by the collection office trustee computer 30 or in cooperation with the predetermined program. By the trustee computer 30, for example, the debtor who should execute a specific business such as the predetermined call and the sending of the specific notification document and the reminder of electronic data having the business to be executed The reminder is collected manually or automatically based on the data, and the reminder is collected.
0 manually or automatically transmitted to the debt collection trustee computer 20, and through the display of the reminder on the debt collection trustee computer 20, the debt collection trustee 2 performs a specific operation for the extracted debtor. (S6).

In the case of automatically generating a reminder, for example, the recovery office information processing program 211 or the peripheral office information processing program 311 includes a reminder generating function, and a predetermined reminder format is stored in the storage unit 21 or 31. The debt collection trustee computer 20 or the collection office trustee computer 30 reads out a reminder in a predetermined format in response to an input of a generation request on a predetermined screen of the collection office trustee computer 30, and the extracted debt is stored. The reminder of the electronic data is generated by inserting or introducing the data of the necessary business for the person who pays the debt and the debtor thereof.

In addition to this, the collection operation trustee 3 accesses the debt collection trustee computer 20 with the collection work trustee computer 30 to check the progress status of the collection work of the debt collection trustee 2, for example, the next day. Recognizing the obligor and the business requiring the business such as calling and sending the notification document on the predetermined day such as the current day or the next day or the predetermined week through the search of the designated day, etc. 30, manually or automatically generating a reminder of the recognized obligor and electronic data having necessary business for the obligor, and manually or automatically generating the reminder on the debt collection trustee computer 20. It is configured so that the debt collection trustee 2 is urged to execute the necessary work for each debtor.

Further, the collection office trustee 3 accesses the debt collection trustee computer 20 cooperating with the collection office information processing program 211 by the collection office trustee computer 30 cooperating with the peripheral office information processing program 311.
Generate a report of electronic data on the progress of collection work up to the deadline with a predetermined day every month, print out the report and send it to the creditor 1, or send the report to the terminal of the creditor 1. The result of the work is reported to the creditor 1 by manually or automatically sending it by an e-mail attachment file or the like (S7). The report may be generated quarterly, semi-annually, or irregularly and reported to the creditor 1.

In principle, the creditor 1
Alternatively, data may be added to the report manually by the collection office trustee computer 30 in response to the needs of the creditor 1, and the creditor 1 may be notified by the added report. In addition, the report format required for each creditor can be set and stored in the creditor information file 212 or the like, corresponding to the case where the type and format of the report differ according to the needs of the creditor 1. In addition, it is possible to set and include an appropriate item such as a deposit statement, a balance list, a billing stop list, and a work progress table in the report.

When generating the report, for example, the collection office trustee computer 30 accesses the debt collection trustee computer 20, and inputs a report generation request on a predetermined screen of the collection office trustee computer 30 and In response to the designated input of the creditor number, the debt collection trustee computer 20 cooperates with the collection office information processing program 211 to read out the creditor information file 212 of the creditor 1 corresponding to the creditor number and read the creditor concerned. Recognize the contents of the report set for 1. Here, as the contents of the report, it is assumed that four types of tables, that is, a payment detailed table, a balance list, a billing suspension list, and a business progress table are set, and the four types of tables are recognized. Further, the debt collection trustee computer 20 reads the debtor information file 213 or the like and recognizes the management number of the trust debt having the creditor number.

Thereafter, the debt collection trustee computer 20
In order to generate the four types of tables, the format of each table in the report file stored in the predetermined storage area of the storage unit 21 and the necessary files are read out to automatically generate the four types of tables. To generate. That is, the debt collection trustee computer 20, which cooperates with the collection office information processing program, reads out the formats of the four types of tables, and returns the repayment information file 2 corresponding to the recognized management number.
15 is read to obtain necessary data (previous repayment date, previous repayment amount, balance, etc.) for the payment statement and balance list, and the debtor information file 213 and the business record information file 216 corresponding to the management number are read out. Data required for the billing suspension list and business progress table (credit classification, level,
The contents of the collection work, etc.) are acquired, and each required data acquired is inserted or introduced into the item of each table to generate a report by each table.

Thereafter, the debt collection trustee computer 20
Presents the generated report to the accessed collection work trustee computer 30, and the collection work trustee computer 30 outputs the report to display an image or print out. Preferably, the collection office trustee computer 30 automatically sends the electronic data report to the terminal of the creditor 1. The debt collection trustee computer 20 can also input a report generation request, generate a report, and output the generated report.

Further, after a certain period of time elapses from the contract date or the like, the collection operation trustee 3 accesses the bond collection trustee computer 20 in response to the creditor 1 who needs to return the trust loan depending on the progress of the collection work. The collection operation trustee computer 30 checks the state of the claims after the lapse of the certain period (return period), classifies the returned claims, and creates explanatory documents of the returned claims as necessary, and designates them as creditors. A return report, which is a form, is generated, and the returned claim is returned by the return report. In the classification of returned claims, the collection office trustee 3
And the debt collection of the debtor information file 213 set by the debt collection trustee 2 is used, but the original debt classification of the creditor 1 is set in parallel with the debt classification, and the original debt classification is set as debt. The receivables may be categorized by storing the renewable receivables in the person information file 213 or the receivables information file 214 so as to update the original receivable classification at a proper time and using the original receivable classification at the time of returning. .

When the claim is returned, for example, the collection office trustee computer 30 accesses the debt collection trustee computer 20, and inputs a request for generation of a return report on a predetermined screen of the collection office trustee computer 30. In response to the designated input of the creditor number, the debt collection trustee computer 20 cooperates with the collection office information processing program 211 to read the creditor information file 212 of the creditor 1 corresponding to the creditor number. In the creditor information file 212, the return period, the type of claim that needs to be returned, and the format of the return report of the creditor are set, and the return period of the creditor 1 and the type of claim that needs to be returned and the format of the return report are set. recognize. Further, the debtor information file 213 is read to recognize the management number of the consignment loan having the creditor number,
The bond information file 214 of each management number is read to recognize the contract date. Then, the debt collection trustee computer 2
0 recognizes the date of the day by a separate calendar unit, acquires the period from the contract date to the date of the day, compares the period with the return period, and refers to the consignment claim that has passed the return period or its management number get.

After that, regarding the trust receivables whose repayment period has passed, the debtor classification is recognized by the debtor information file 213, etc.
Acquire the trust receivables or their management numbers that correspond to the type of claim that needs to be returned. Then, the format of the return report in the format of the creditor is extracted from the file of the return report format which is separately set in the predetermined storage area of the storage unit 21, and the credit information file of the trust receivable to be returned by the management number. 214, obtain required data from the debtor information file 213, etc., insert or introduce the required data into the extracted return report format to automatically generate a return report, and discontinue processing of the consignment claim that generated the return report Perform the scrubbing process such as.

Thereafter, the debt collection trustee computer 20
Presents the generated return report to the accessing collection work trustee computer 30, and the collection work trustee computer 30 outputs the return report and displays an image or prints out. Preferably, the collection office trustee computer 30 automatically transmits the return report of the electronic data to the terminal of the creditor 1. It should be noted that the debt collection trustee computer 20 can also input a return report generation request, generate a return report, and output the generated return report. Further, in the processing, instead of the credit classification, the set credit classification of the creditor 1 may be used, and which credit classification is to be used can be set in the creditor information file 212 or the like. it can.

The debt collection trustee computer 20 or the collection office trustee computer 30 according to the present embodiment.
It is possible for the collection office work trustee computer 30 or the debt collection trustee computer 20 to be responsible for the appropriate functions of the above. Further, the appropriate part of the processing performed by the debt collection trustee computer 20 on the debt collection trustee computer 20 side or the appropriate part of the processing performed by the collection work trustee computer 30 on the collection clerical trustee computer 30 side, respectively. Collection work trustee Computer 30 side collection work trustee 3
Or the debt collection trustee computer 20 can execute it.

[0074]

[Effects of the Invention] When a debt collection trustee such as an attorney or a servicer entrusted by a debtor to collect debts performs debt collection business by using the debt collection office information processing method or office information processing program of the present invention. In addition, when the creditor collects the debt, the labor burden and cost of processing the office information associated with the debt collection can be reduced as much as possible. Therefore, for example, even when a large number of monetary claims are collected by the debt collection trustee, or when there are many small-scale monetary claims, it is possible to perform efficient paperwork while reducing labor and cost burdens, and it is cost-effective. From the viewpoint of, the profit base can be easily secured.

Further, for example, by outsourcing,
The debt collection trustee specializes in the work and clerical processing directly related to the debt collection work, and the clerical work other than the work and the clerical processing can be specially performed by the collection clerical trustee. Therefore, the debt collection trustee can concentrate and efficiently process the work directly related to the collection work, and the collection clerical trustee can process the prescribed clerical information processing uniformly and in a large amount and efficiently. Therefore, it is possible to drastically promote speeding up, efficiency improvement, and cost reduction of the entire work related to debt collection.

[Brief description of drawings]

FIG. 1 is an explanatory diagram illustrating a debt collection scheme according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a hardware configuration for executing an embodiment of an office information processing method in debt collection according to the present invention.

FIG. 3 is a diagram showing an example of contents of a creditor information file.

FIG. 4 is a diagram showing an example of contents of a debtor information file.

FIG. 5 is a diagram showing an example of contents of a bond information file.

FIG. 6 is a diagram showing an example of contents of a repayment information file.

FIG. 7 is a diagram showing an example of the contents of a business record information file.

FIG. 8 is a flowchart showing a basic flow of an example of office information processing according to the embodiment.

[Explanation of symbols]

1 creditor 2 Debt collection trustee 3 Collection work trustee 4 debtors 20 Debt collection trustee computer 30 Collection office trustee computer 21, 31 storage 211 Collection Office Information Processing Program 212 Creditor Information File 213 Debtor Information File 214 Credit Information File 215 Repayment Information File 216 Business record information file 311 Peripheral office information processing program 22, 32 Central processing unit 23, 33 Input section 24, 34 Output section 25, 35 Communication control unit

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Naoki Shimizu             1-20-10 Nishishimbashi, Minato-ku, Tokyo Nishishimbashi             Excel Building 4th Floor Tokyo Debt Recovery Co., Ltd.             Within

Claims (6)

[Claims] 1. A clerical process method for debt collection, which is used in a scheme in which a trustee executes predetermined clerical information processing of clerical officers approaching a debtor. An inputable office trustee computer and a debt collector computer are constantly or timely connected via a network, and at least a means for storing an office information processing program that causes the network computer to function as a means for processing office information, and an account. Means for storing information about creditors including information, means for storing information about debtors including name and contact information, means for storing information about claims held by creditors to debtors, and information about repayment A network computer having means for storing the Captures a presentation request of a predetermined screen on which predetermined office information can be input, displays a predetermined screen corresponding to the presentation request, and displays the office information input on the predetermined screen stored in the network computer. An office information processing method for debt collection, which is characterized in that it is incorporated. 2. A method for collecting debts, which is used in a scheme in which a trustee executes predetermined information processing out of the information processing of a debt collector who approaches a debtor. An inputable office trustee computer and a debt collector computer are constantly or timely connected via a network, and at least a means for storing an office information processing program that causes the network computer to function as a means for processing office information, and an account. Means for storing information about creditors including information, means for storing information about debtors including name and contact information, means for storing information about claims held by creditors to debtors, and information about repayment A network computer having means for storing Captures a presentation request of a predetermined screen on which predetermined office information can be input, displays a predetermined screen corresponding to the presentation request, and displays the office information input on the predetermined screen stored in the network computer. An office information processing method for debt collection, which is characterized in that it is incorporated. 3. The network computer has means for storing level information indicating the degree of risk of debt collection or the degree of progress of debt collection, and the administrative trustee computer or the debt collector computer stores level information. The present invention is characterized in that a presentation request of a predetermined screen that can be input is fetched, the predetermined screen corresponding to the presentation request is displayed, and the level information inputted in the predetermined screen stored in the network computer is fetched. An office information processing method for debt collection according to claim 1 or 2. 4. The office trustee computer fetches a presentation request of a predetermined screen in which repayment information of a predetermined item can be input, displays the predetermined screen corresponding to the presentation request, and is stored in the network computer. The repayment information processing method for claim collection according to claim 1, 2 or 3, characterized in that the repayment information of a specified item input on the specified screen is fetched. 5. The office information processing program includes a program for generating a report for reporting a debt collection status to a creditor, and the network computer stores a format of the report, and a debt collector. Has means for storing information on business records of
The attorney-trustee computer fetches a report generation request for a creditor report, and at least the debt collector stored by the network computer that cooperates with a program that generates the report in response to the generation request. 2. The information on a predetermined item is extracted from the information on the business record and the information on the repayment of each claim, and the report generated by introducing the information on the predetermined item into the format of the read report is output. The method of processing information on the collection of debts according to item 2, 3 or 4. 6. A debt collection office work information processing program used in a scheme in which an office trustee executes predetermined office work information processing out of the office work information processing of a debt collector approaching a debtor. A network computer to which an input trustee computer and a debt collector computer are constantly or timely connected via a network, including at least means for storing information about the creditor including account information, and a name and contact information. Means for storing information about the debtor, means for storing information about the debt held by the creditor to the debtor, means for storing information about the repayment, and means for processing office information by using these information in a timely manner Office information processing program to function as.