JP2015179508A - Settlement delinquency business management system, control method for settlement delinquency business management system, settlement delinquency business management system program, and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement delinquency business management system which collects arrears, such as condominium management expenses.SOLUTION: A settlement delinquency business management system has: means which reliably confirms necessary issues, such as approval at a general meeting of a condominium management association, in commissioning a business unit to carry out collection of condominium management expenses and the like and collection service; means which allows delinquency situations of the condominium management expenses and the like to be grasped not only for each section owner but also as the whole condominium and further has a business unit make temporary payment of the condominium management expenses and the like; means which reliably confirms that, in buying a section owner estate, it is concluded by contract that advise for the condominium management association is entrusted a lawyer in charge or the like with; and means which, with respect to each means, not only carries out collection services of the management expenses and the like but also provides effective advice about the collection services of the management expenses and the like by the condominium management association.

Description

  The present invention relates to a settlement arrears business management system, a control method for a settlement arrears business management system, a settlement arrears business management system program, and a recording medium.

  With the number of condominiums stocked at around 6 million throughout Japan, large-scale repairs such as earthquake-resistant repairs of condominiums that are frequently heard after the Great East Japan Earthquake, barrier-free measures due to aging and aging of residents, etc. It is an environment where needs are increasing. However, when considering the construction, there are various problems that cannot be solved by the condominium management association alone.

  Among them, the biggest issue is the problem of non-payment of repair reserves. In recent years, the number of non-payments has increased and the amount of non-payments has become large, so the screening standards cannot be cleared. Therefore, large-scale repair funds are referred to as “Housing Finance Support Organization (hereinafter also abbreviated as“ JHFA ”)” Many condominiums are in a situation where they cannot receive borrowings from JFC and other financial institutions and cannot even consider construction. Furthermore, since large-scale repairs cannot be carried out due to lack of funds, this results in a vicious circle of further decline in the value of condominium assets.

  Under these circumstances, many condominium management associations and management companies strive to resolve delinquencies such as administrative expenses, but all the management unions and management companies use specialized knowledge and know-how regarding delinquency. However, as a result, nonpayment does not decrease and the nonpayment amount also increases.

  In addition, due to institutional problems, delinquency is not only the responsibility of condominium management associations, but condominium management associations are rarely incorporated. Even if it is possible to take appropriate countermeasures, the management union that is not a corporation will not be able to take effective measures, and the condominium management union's efforts to deal with delinquent problems will often be overworked.

  Nowadays, due to the spread of credit cards as a general payment method, not only the purchase of relatively expensive products but also the payment of small items, the card payment system is widely used. A technique for performing a fixed amount of recurring settlement with a credit card or the like, such as rent in a real estate rental property that was not targeted, has been disclosed.

Japanese Patent No. 4926282

  As described above, with regard to the conventional technology related to fixed amount and repeated payments, for example, as disclosed in Patent Document 1, although consideration is given to paying a lease with a credit card or the like, The payment method was not considered. Furthermore, no consideration is given to the processing of past claims that have already been paid.

  In order to solve the above problems, the present invention constructs a mechanism that exceeds the framework of existing condominium management associations and management companies, in addition to the problem of delinquencies such as condominium management costs that are likely to occur in the future, The purpose is to provide a system for smoothly proceeding with procedures for comprehensively and reliably collecting delinquent funds, including past claims that have already been delinquent. To that end, apart from condominium management associations and management companies, not only settle management expenses, but also charge a certain amount of commission, etc., as a consideration to replace all management expenses without delay. It is assumed that there is an entity in charge of non-payment guarantee work and / or an entity that advises on collection of administrative expenses.

Thus, in order to solve the above-described problems, the present application pays attention to the business content of the business entity in charge of the settlement guarantee guarantee business and / or the business entity that advises on the collection of management costs and the like. That is, in the payment arrears business management system according to the present invention,
Concerning settlement and nonpayment of expenses including administrative expenses for condominiums
A condominium management association or one with the same decision-making ability as a partnership, and the processing required to outsource the business and / or advice to the consignee regarding the settlement and delinquency has the same decision-making ability as the management association or the management association. Means for judging the condominium management association and / or the section owner as a subject of business consignment based on information which is performed by what has and is valid;
Means for storing information relating to the determination result as a first memory;
Means for receiving information related to settlement of expenses including condominium management costs from a financial institution or one having an equivalent business function according to the information stored as the determination result;
Means for storing information relating to the settlement as a second storage.

The settlement means for expenses including the condominium management expenses are as follows:
Means for settlement by at least one of account transfer, credit card payment settlement, convenience store payment;
Means for storing information relating to the settlement means as a third memory.

Means for transferring the cost including the condominium management cost related to the business consignment to a trust account of the financial institution or an equivalent business function;
In accordance with instructions from a lawyer or a qualified person concerning the law regarding the outsourcing, means for instructing trust maintenance after being transferred,
Means for canceling the trust with respect to the outsourcing;
Means for executing reimbursement for the condominium management association in parallel with the cancellation of the trust with respect to the business consignment;
And means for storing information on the results of the means for transferring to the trust account, the means for instructing the trust maintenance, the means for releasing the trust, and the means for executing the advance payment as a fourth storage.

A means of grasping the delinquency status by category owner of the condominium management association;
Means for calculating the total amount of expenses including administrative costs in a certain period and the total amount delinquent in the certain period;
Means for calculating a fee determined from the total amount of expenses including administrative expenses for the certain period of time for the outsourcing;
Means for subtracting the fee from the total cost including the management fee for the fixed period for the business consignment as a payment amount to the apartment management association;
Means for billing the non-payers for expenses required for collecting non-payment for each non-payment related to the outsourcing;
Means for grasping the non-payment status, means for calculating the total amount of expenses including management costs and the total amount of non-payments during the fixed period, means for calculating a fee determined from the total amount of expenses including the management costs, and Results of means for making the amount of payment to the condominium management association an amount obtained by subtracting the above fee from the total amount of expenses including management costs, and means for requesting the delinquents for the cost required for collecting non-payment for each delinquent And a means for storing information on the storage as a fifth memory.

Means for presenting to the condominium management union that commissioned the advisory the expenses required for collecting the non-payment of the expenses including the administrative expenses with respect to the advisory commission;
And means for storing, as a sixth memory, information relating to the result of the means presented to the condominium management association entrusted with the advice.

Means for grasping the actual condition of a person who is delinquent in costs including the management fee;
Means for formulating and presenting a repayment plan to the delinquent;
And means for storing, as a seventh memory, information relating to means for grasping the actual condition of the delinquent and means for formulating and presenting a repayment plan.

Means for carrying out a legal procedure for settlement of the delinquent;
Means for grasping the repayment status by means of performing the legal procedure;
And means for storing information relating to the means for performing the legal procedure and the means for grasping the repayment status as an eighth storage.

The present invention can also be realized as a program for a settlement arrears business management system. That is, the program of the settlement arrears business management system according to the present invention is:
Concerning settlement and nonpayment of expenses including administrative expenses for condominiums
A condominium management association or one with the same decision-making ability as a partnership, and the processing required to outsource the business and / or advice to the consignee regarding the settlement and delinquency has the same decision-making ability as the management association or the management association. Means for judging the condominium management association and / or the section owner as a subject of business consignment based on information which is performed by what has and is valid;
Means for storing information relating to the determination result as a first memory;
Means for receiving information related to settlement of expenses including condominium management costs from a financial institution or one having an equivalent business function according to the information stored as the determination result;
It functions as a means for storing information relating to the settlement as a second memory.

The settlement means for expenses including the condominium management expenses are as follows:
Means for settlement by at least one of account transfer, credit card payment settlement, convenience store payment;
It further functions as a means for storing information relating to the settlement means as a third memory.

Means for transferring the cost including the condominium management cost related to the business consignment to a trust account of the financial institution or an equivalent business function;
In accordance with instructions from a lawyer or a qualified person concerning the law regarding the outsourcing, means for instructing trust maintenance after being transferred,
Means for canceling the trust with respect to the outsourcing;
Means for executing reimbursement for the condominium management association in parallel with the cancellation of the trust with respect to the business consignment;
It further functions as means for storing, as a fourth storage, information relating to the results of means for transferring to the trust account, means for instructing trust maintenance, means for canceling the trust, and means for executing the advance payment.

A means of grasping the delinquency status by category owner of the condominium management association;
Means for calculating the total amount of expenses including administrative costs in a certain period and the total amount delinquent in the certain period;
Means for calculating a fee determined from the total amount of expenses including administrative expenses for the certain period of time for the outsourcing;
Means for subtracting the fee from the total cost including the management fee for the fixed period for the business consignment as a payment amount to the apartment management association;
Means for billing the non-payers for expenses required for collecting non-payment for each non-payment related to the outsourcing;
Means for grasping the non-payment status, means for calculating the total amount of expenses including management costs and the total amount of non-payments during the fixed period, means for calculating a fee determined from the total amount of expenses including the management costs, and It further functions as a means for storing, as a fifth storage, information relating to the result of the means for subtracting the above fee from the total amount of expenses including management costs and using the amount as the payment amount to the condominium management association.

Means for presenting the expenses required for collecting the non-payment to the condominium management association that has been commissioned to advise;
It further functions as a means for storing information on the result of the means presented to the condominium management association entrusted with the advice as a sixth memory.

Means for grasping the actual condition of a person who is delinquent in costs including the management fee;
Means for formulating and presenting a repayment plan to the delinquent;
It further functions as a means for storing information relating to means for grasping the actual condition of the delinquent and means for formulating and presenting a repayment plan as a seventh memory.

Means for carrying out a legal procedure for settlement of the delinquent;
Means for grasping the repayment status by means of performing the legal procedure;
It further functions as means for storing information relating to the means for performing the legal procedure and the means for grasping the repayment status as an eighth memory.

Furthermore, the present invention can also be realized as a control method for a payment arrears business management system. That is, the control method of the payment arrears business management system according to the present invention is:
Concerning settlement and nonpayment of expenses including administrative expenses for condominiums
A condominium management association or one with the same decision-making ability as a partnership, and the processing required to outsource the business and / or advice to the consignee regarding the settlement and delinquency has the same decision-making ability as the management association or the management association. Based on the information that is carried out by what it has and shows that it is valid, the condominium management association and / or the section owner is judged as the object of business consignment,
Storing information on the determination result as a first memory;
In accordance with the information stored as a result of the determination, information on settlement of expenses including condominium management expenses is received from a financial institution or one having an equivalent business function,
Information relating to the settlement is stored as a second memory.

Settlement of expenses including condominium management expenses
Settle by at least one of direct debit, credit card payment, convenience store payment,
It is further characterized in that information relating to the settlement is stored as a third memory.

Transfer the expenses including the condominium management costs related to the business consignment to the trust account of the financial institution or those having an equivalent business function,
In accordance with instructions from a lawyer or legally qualified person regarding the outsourcing, instruct the trust maintenance after being transferred,
Cancel the trust for the outsourcing,
Concurrently with the cancellation of the trust with respect to the business consignment, reimbursement to the condominium management association,
It is further characterized in that information relating to the result of executing transfer and trust maintenance, canceling the trust, and reimbursement is stored as a fourth storage in the trust account.

Understand the status of delinquency by category owner of the condominium management association,
Calculate the total amount of expenses including administrative costs for a certain period and the total amount delinquent for that period,
Calculate a fee determined from the total amount of expenses including administrative expenses for the fixed period for the outsourcing,
With respect to the business consignment, the total amount of expenses including the management fee for the certain period, and the amount obtained by subtracting the fee as the amount to be paid to the condominium management association,
Charge the non-payment person for the non-payment collection for each non-payment related to the outsourcing,
The means for grasping the status of non-payment, the means for calculating the total amount of expenses including the administrative costs and the total amount of non-payments in the fixed period, the result of calculating the fee determined from the total amount of costs including the administrative costs, The amount obtained by subtracting the above fee from the total cost including the management fee is the amount paid to the condominium management association and information on the result of charging the nonpayment to the nonpayment for each nonpayer. It is further characterized in that it is stored as memory.

Present the expenses required for collecting the non-payment of expenses including management expenses for the above-mentioned advice commission to the condominium management association that commissioned the commission,
It is further characterized in that information relating to the result presented to the condominium management association entrusted with the advice is stored as a sixth memory.

Understand the actual situation of those who are delinquent for expenses including the management fee,
Develop and present a repayment plan to the delinquent
It is further characterized in that information on the result of grasping the actual condition of the delinquent and the result of formulating and presenting the repayment plan is stored as a seventh memory.

Perform legal procedures for settlement of the delinquent,
Understand the repayment status of the legal procedure,
It is further characterized in that information on the result of the legal procedure and the result of grasping the repayment status is stored as an eighth memory.

  In the operation of the condominium management association, the existence of the condominium management company, condominium manager, etc. cannot be ignored, but here it is not particularly distinguished as being integrated with the condominium management association.

  In the first embodiment of the present invention, it is possible not only to easily grasp the delinquency status of the entire apartment, such as the apartment management cost, or the like, as well as the reimbursement payment regarding the delinquency problem such as the apartment management cost. In addition, it is possible to smoothly proceed with the procedure for collecting past claims that have already been delinquent. Further, according to the second embodiment of the present invention, it is possible to easily grasp the delinquency status of the entire apartment by owner, such as the apartment management cost, regarding the delinquency problem such as the apartment management cost. In addition, advice can be obtained to facilitate the procedures for recovering past claims that have already been delinquent.

It is a functional block diagram of the whole system concerning the present invention. It is a block diagram of the management system which concerns on this invention. It is a block diagram of the customer system which concerns on this invention. It is a customer management union data table concerning the present invention. It is a customer division owner data table concerning the present invention. It is a future debt processing trust maintenance time table according to the present invention. It is a flowchart regarding the information storage process to the customer management association data table which concerns on this invention. It is a flowchart regarding the information storage process to the customer management association data table which concerns on this invention. It is a data table for settlement according to division owner concerning the present invention. It is a payment means timetable which concerns on this invention. It is a payment progress data table concerning the present invention. It is the advice future claim processing trust maintenance time table concerning the 2nd embodiment of the present invention. It is the advice settlement means timetable which concerns on the 2nd Embodiment of this invention. It is a past debt collection timetable concerning the 3rd embodiment of the present invention. It is a past claim acceptance data table concerning a 3rd embodiment of the present invention. It is a past debt collection progress data table concerning the present invention.

  FIG. 1 is a functional block diagram showing an outline of the configuration of a settlement arrears business management system according to the present invention. The payment arrears business management system according to the present invention is configured by connecting a management system 20 and a customer system 30 via a network 10 by so-called cloud computing. In addition, it is assumed that the trust institution system 201, the beneficiary agent system 202, the financial institution system 203, and the like are connected via the network 10 as necessary.

  Next, details of the management system 20 will be described with reference to FIG. As shown in FIG. 1, the management system 20 includes a management device database (hereinafter referred to as “management device DB”) 21, a management device server 22, a management output device 23, a management input device 24, and a management device interface 26. It is configured. The management device server 22 processes data related to settlement arrears business management, and the management device DB 21 stores settlement agency delinquency guarantee business data. The management output device 23 includes a display, a printer, and the like, and outputs various types of information as necessary. The management input device 24 includes a keyboard, a barcode reader, a scanner, and the like, and inputs information as necessary, but includes all devices that can input information. Note that the management system 20 may be composed of a single system or a plurality of systems as long as the management system 20 can finally perform the business of the management system.

  Next, details of the customer system 30 will be described with reference to FIG. As shown in the figure, the customer system 30 includes a customer device memory 31, a customer device processor 32, a customer output device 33, a customer input device 34, and a customer device interface 36. The customer device processor 32 displays information on the customer output device 33 according to the information sent from the management system 20. The customer output device 33 includes a display, a printer, and the like, and outputs various types of information as necessary. The customer input device 34 includes a keyboard, a barcode reader, a scanner, and the like, and inputs information as necessary, but includes all devices that can input information. In the customer input device 34, input information from a keyboard or the like is displayed on the customer output device 33 as necessary, and the information displayed on the customer input device 34 is managed via the customer device interface 36 as necessary. 20 to send. The management system 20 performs a payment arrears business management process according to the transmitted information, and if further information is required, that fact is displayed on the customer output device 33 of the customer system 30.

  The outline and configuration of the present invention have been described above. Next, details and operations of the present invention will be described.

  First, the customer management association data table 40 will be described with reference to FIG. In addition, the customer management association data table 40 shall be expand | deployed on management apparatus DB21, for example. The customer management association data table 40 stores customer information such as information in the customer identification field 4001, information in the customer name field 4002, information in the customer address field 4003, information in the customer representative field 4004, information in the contract establishment field 4005, and the like. To do. The customer identification column 4001 is provided with, for example, a customer 1 column 401, a customer 2 column 402,..., And the like, and can manage a plurality of customers. When the display of the customer management association data table 40 is requested, the display range may be limited depending on the operator.

  Next, a procedure for storing information in each column of the customer 1 column 401 will be described with reference to FIGS. It is assumed that the input to the customer management association data table 40 is performed from the management input device 24 of the management system 20 according to a customer management association information input screen (not shown) displayed on the management output device 23, for example. First, it is determined whether or not the customer management association is a new customer registration (S701), and in the case of a new customer registration, for example, information “ABC condominium” is stored in the customer name column 4002 of the customer 1 column 401 as the customer name. To do. Similarly, information such as “Minato-ku XXX in Tokyo” is stored in the customer address field 4003, and “◯ × unevenness” is stored in the customer representative field 4004, for example (S702). The new customer registration information may be stored together with image information such as a public certificate in addition to the input information from the keyboard or the like.

  When storage of customer registration information is completed, information necessary for business development is stored. For example, in the condominium management union of customer 1, if the resolution is approved at the general meeting regarding the delegation of the payment proxy non-payment guarantee business to the responsible entity, the information “approved” is stored in the general meeting resolution column 4008 (Also referred to as storing as “approved”, the same applies hereinafter) (S705, S706). Next, in accordance with a resolution at the general meeting, if the contract and / or the contract regarding the delegation of the payment agent guarantee service to the responsible entity is valid, “valid” is stored in the contract column 4009 (S707). , S708). Thereafter, similarly, information necessary for the management agreement column 4010, the memorandum column 4011, the examination result column 4012, the trust organization contract column 4013, the lawyer contract column 4014, the past claims column 4015, the partner fund contract column 4016, the customer account information 4017, etc. Store.

  As described above, when the storage of various information including the general meeting resolution column 4008, which is required for delegating the payment proxy non-payment guarantee business, has been completed, the contract processing column 4005 indicates “Complete”. Further, for example, “123400” is stored as the customer code in the customer code column 4099, and the information storage in the customer management association data table 40 regarding the customer 1 column 401 is completed. The input to the customer management association data table 40 may be performed by the customer system 30 in addition to the management system 20. In that case, an item that can be input on the customer system 30 side may be set, input may be performed in accordance with this, and an item that does not permit input may be provided. In addition, display prohibition items may be provided for display.

  In storing “completed” in the contract processing column 4005, the consignment management is managed as a result of entrusting the payment proxy non-payment guarantee business to a consignee (the business entity in charge is also referred to as a consignee). In addition to the required items such as outsourcer, entrustment details, business start date, etc. in the required documents such as regulations, as a settlement means for settlement agency business, for example, credit card payment specified by the outsourcer, predetermined storage of the outsourcer For example, it is determined by a predetermined judge that the convenience store payment by postcard and / or the payment by the account transfer specified by the trustee is accepted, and the result is reflected in the contract processing column 4005. It shall be.

  A description will be given of a specific business development of the settlement proxy non-payment guarantee, which is the next stage when the contract processing column 4005 is “completed”. FIG. 5 shows a customer category owner data table 50. The customer category owner data table 50 is developed on, for example, the management apparatus DB 21, and includes a title column 501, a management item column 502, a category owner 1 information column 5001, a category owner 2 indicating each category owner information. An information column 5002, a section owner 3 information column 5003, and so on are provided. Further, the management item column 502 includes a room number column 5021, a category owner code column 5022, a payment method column 5023, a change column 5024, a repair reserve column 5025, a management fee column 5026, a total management fee etc. column 2027, and a fee column 5028. ,..., A total column 5029 and the like.

  Next, each column will be described. In the title column 501, for example, “123400” which is the customer code of the customer 1 is stored, and the target date such as the management cost of the corresponding apartment is displayed as “June 2013”, for example. The customer category owner data table 50 exists for the year and month to be managed. In the room number column 5021, the category owner 1 information column 5001 is “101”, the category owner 2 information column 5002 is “102”, the category owner 3 information column 5003 is “103”,. Stores a specific room number. Next, in the category owner code column 5022, the category owner 1 information column 5001 has “1234101001”, the category owner 2 information column 5002 has “1234102001”, the category owner 3 information column 5003 has “1234103001”, ..., etc. Stores the classification owner code. Hereinafter, as necessary, information necessary for the payment agent non-payment guarantee business is stored. The input of the information may be executed by the management system 20 or the customer system 30. Other details are based on the customer management association data table 40.

  Although the customer category owner data table 50 has been described above, the customer category owner data table 50 is displayed on the management output device 23 of the management system 20 to confirm its contents. At that time, it is possible to display all the information about the customer or display it for each customer.

  Next, display of the customer category owner data table 50 in the customer system 30 will be described. When the customer system 30 is requested to display the contents related to the customer category owner data table 50, the management system 20 uses the contents of the customer category owner data table 50 of the corresponding customer as the customer output device 33 of the customer system 30. (Not shown). Note that the customer month 30 may be specified by the customer system 30 and the contents of the customer category owner data table relating to the corresponding year may be displayed.

  In the customer system 30, the displayed contents of the customer category owner data table are input from the customer input device 34 when there is a correction. However, regarding the correction contents, the management system 20 may manage whether correction is possible for each item.

  The customer category owner data table 50 has been described above. Hereinafter, the category owner-specific settlement data table 80 that stores information related to the settlement processing for the settlement proxy guarantee service will be described with reference to FIG. The category owner settlement data table 80 is developed on the management apparatus DB 21, for example, and includes a customer data column 801, a settlement management item column 802, and segment owner 1 settlement information indicating settlement information of each segment owner. A column 8001, a category owner 2 settlement information column 8002, a category owner 3 settlement information column 8003, and so on. Further, the settlement management item column 802 includes a division owner code column 8021, an account transfer financial institution column 8022, an account number column 8023, a credit card number column 8024, a convenience store postcard destination column 8025, and so on. Configured. For example, similarly to the customer category owner data table 50 shown in FIG. 5, for example, information “123401001” is stored in the category owner code column 8021 of the category owner settlement management item column 8001. It should be noted that the information of the two data tables is processed as a unit because the category owner codes of the customer category owner data table 50 and the category owner settlement data table 80 are the same. Other details are based on the customer category owner data table 50.

  Next, as described above, the processing performed at the consignee will be described in accordance with the fact that the settlement means is clearly specified in the management rules for the settlement means. For example, regarding payment by a credit card which is an international card, it is assumed that the division owner owns a credit card. If you do not own it, you must have it. The consignee requests the owner of each category via the management association to approve the non-payment reminder by credit payment and to contact the credit card number. When the credit card number to be used is returned after approving credit payment from each section owner, it is stored in the credit card number column 8024 of the corresponding section owner code. For example, if the credit card number of the category owner code “123401001” is “5880XXX”, for example, as shown in FIG. 8, the credit card number column 8024 of the category owner settlement management item column 8001 is displayed. , Information “5880XXX” is stored.

  Further, processing related to convenience store payment will be described based on the management rules and the like. The consignee requests, for example, via a condominium management association, to notify each category owner of a postal address or the like for sending a convenience store payment for non-payment reminder. The address returned from each category owner is stored in the convenience store postcard destination column 8025 of the corresponding category owner code. For example, if the convenience store postcard destination of the category owner code “123401001” is “Minato-ku XXX, Tokyo”, for example, as shown in FIG. Information “Minato-ku Tokyo XXX” is stored in a postcard for convenience store delivery address field 8025. In addition, even if the information such as the destination is a character code string, the code or the like uniquely set by the postal code or the contractor, or the information such as the character code or the postal code is unique by the contractor or the like. It is also possible to add information such as a code set in.

  In addition, based on the management rules and the like, processing related to predetermined account transfer by a consignee will be described. The subcontractor, for example, sends necessary documents to each category owner via the condominium management association, and prepares documents for performing the transfer process regarding the transfer of administrative expenses etc. by account transfer to the account designated by the subcontractor. , Ask to return. The consignee adds necessary items to the returned documents and sends them to a storage agent company (not shown), and waits for completion of the examination results of the storage agent company and the financial institution. When this examination is completed, necessary information such as account transfer financial institution information and account number is stored in the account transfer financial institution column 8022 and account number column 8023 of the corresponding category owner code. For example, if the account transfer financial institution field 8022 of the category owner code “123401001” is “0987” and the account number is “5423XXX”, as shown in FIG. 8, the corresponding category owner settlement management is performed. In the item column 8001, information “0987” is stored in the account transfer financial institution column 8022 and information “5423XXX” is stored in the account number column 8023. In the above description, a numerical code is stored as information in the financial institution column for account transfer. For example, it is information such as a character code string such as a bank name, a code uniquely set by a consignee, etc. Alternatively, a character code string such as a bank name may be added with information such as a code uniquely set by a consignee.

  The information stored in each item column of the customer management association data table 40, the customer category owner data table 50, and the category owner settlement data table 80 has been described above, but each data table stores information in each item column. For example, when it is stored in the management device DB 21, it is stored by the management device server 22. Further, the information in each item column is transmitted from the trust organization system 201 via the management apparatus interface 26 via the network 10 even if input by the operator from the management input apparatus 24, for example, and based on this. The management apparatus server 22 may perform the processing.

  Next, how to use the information in the customer category owner data table 50 to proceed with the payment proxy non-payment guarantee business will be described in accordance with the future claim processing trust maintenance time table 60 shown in FIG. The management fee of each condominium is billed monthly (6001), and payment is always made for this, but in the case of settlement agency stagnation guarantee, for example, on the 5th of every month, the management system 20 via the network 10 Then, when each financial institution is requested to transfer the account from the account of each category owner, the subsequent deposits shall be processed as deposits for administrative expenses, etc. for that month. However, the deposit is transferred from each category owner (6002) to the trust account of the financial institution performing trust business (6003) shown in the trust organization contract column 4013 of the customer management association data table 40, for example. Each financial institution transmits this payment information to, for example, the management system 20 via the network 10, for example, and the management system 20 confirms payment based on this information. For example, when there is a deposit such as an administrative fee from the section owner of the room number 101 of the customer code 123400, for example, the deposit information is transmitted from the trust organization system 201 to the management system 20 via the network 10, and based on this information. In the management system 20, the category owner 1 information column 5001 corresponding to the room number 101 of the customer category owner data table 50 for the corresponding month is assumed to have been paid, for example, the display is black shaded, and the non-paid category ownership (Not shown). When deposit information is transmitted from each financial institution or the like to the management system 20, for example, segment owner codes (5022, 8021) may be used as information for determining each segment owner. Further, for example, for a certain year and month, the sum of the amounts stored in the total column 5029 of the customer category owner data table 50 is the total amount received, and the total amount not stored is the total amount not yet received. May be stored separately in a data table (not shown). Further, for example, a predetermined amount may be calculated as a business fee for the management of the apartment management association for a certain year and stored separately in a data table (not shown). Furthermore, the fee required for collection of administrative expenses etc. by the business entity may be included in the fee. Further, the sum of the non-payment of the same category owner stored in the customer category owner data table 50 for all years becomes the total of the non-payment of the category owner, which is added to a separate data table (not shown). ) May be stored.

  Further, when the payment is confirmed, the management system 20 sends the payment date from the beneficiary agent (6004) shown in the lawyer contract column 4014 of the customer management union data table 40 to the financial institution in charge of the trust business regarding the corresponding payment. It is instructed to maintain the trust every time (60051).

  Each category owner deposits money into each financial institution, etc., and each time the beneficiary agent gives an instruction to conserve the trust, but at the end of the month, all the trusts instructed by the beneficiary agent are canceled. (6005), for example, in the management system 20, after calculating the amount obtained by subtracting the fee from the total amount of management expenses, etc. related to the condominium, the trust organization system 201 is contacted via the network 10 and the condominium management association Reimbursement payment is made to (6006) (6007). In order to enable such advance payment, the entity (outsourcing party) (6010) in charge of settlement proxy non-payment guarantee business deposits the deposit to the financial institution performing the trust business (6011), If surplus is generated, it shall be returned (6012).

  As described above, the beneficiary agent gives instructions for trust maintenance and trust cancellation. For example, the management system 20 transmits information on trust maintenance and trust cancellation to the beneficiary agent system 202 via the network 10. Based on this information, even if approval information is transmitted from the beneficiary agent system 202 to the trust institution system 201, or approval information from the beneficiary agent system 202 is transmitted to the management system 20 via the network 10. However, it may be transmitted from the management system 20 to the trust organization system 201. Furthermore, as long as the information is finally transmitted, any route may be used technically. As described above, account transfer has been described as an example of trust maintenance, but trust maintenance may be used for trust maintenance in credit card payment, convenience store payment, etc., which will be described later.

  As mentioned above, the management fees of the apartments are usually paid from each division owner to financial institutions, etc., but if there is no payment even the next month, the management system 20 Judgment of non-payment is made, non-payment is confirmed (6008), and this information is stored. When the non-payment is confirmed, the management system 20 determines that the settlement is a stagnation settlement according to the information (6009), prompts non-payment to the category owner, and continues the non-payment settlement process (6013).

  As described above, the processing in the management system 20 and the customer system 30 has been described for normal account transfer. However, an example of processing in the payment proxy non-payment guarantee using each payment method including account transfer is shown in FIG. A description will be given according to the table 90.

  The settlement means time table 90 includes, for example, three months of last month 901, current month 902, and next month 903. Furthermore, it comprises an account transfer column 911, a credit card payment column 912, a convenience store payment column 913, and a lawyer etc. column 914. In the account transfer (911), as described above, according to the information shown in the account transfer financial institution column 8022 and the account number column 8023 of the divided owner settlement data table 80, the management system 20 sends the account to the financial institution. A transfer request shall be made. First, at the beginning of the previous month, a request is made to transfer the bill amount to the financial institution designated by each section owner via the storage agency company (9001). Each financial institution transfers a predetermined amount from the account of the divided owner to the trust account of the financial institution according to this information. When normal transfer processing is performed from the account of the category owner (9002), the financial institution is contacted via the storage agent company and this information is reflected in the customer category owner data table 50. To do. Thereafter, this account transfer is repeated every month. If the account transfer cannot be performed due to a shortage of the balance of the divisional owner account (9003), the management system 20 which is a consignee is notified via the storage agency, for example, via the network 10, for example. The management system 20 of the consignee determines that it is impossible to continue the account transfer, and the management fee including the cost required for the credit card payment is collected by, for example, credit card payment (912) according to the management regulations. . First, in the management system 20 which is a consignee, according to the information in the credit card number column 8024 of the classification owner settlement data table 80, the settlement request by mail or real-time settlement such as the Internet is sent to the section owner. For example, it is assumed that the billing process for the unaccounted amount is performed (9004). When the credit card can be debited (9006), the credit card processing is repeated every month. If it is determined that the card is invalid because the card number is not registered (9005), the convenience store payment (913) is performed. First, the management system 20 performs a billing process such as a management fee and a dunning fee including a cost required for a convenience store payment according to the information in the convenience store postcard destination field 8025 of the category owner settlement data table 80 (9008). And In addition, even when the credit card payment request (9004) is made but not yet received (9007), the management system 20 performs the next month (903), for example, the billing process by the convenience store payment (9010). ) In the case where the bill is processed by the convenience store payment (9008, 9010) but the balance is not yet paid, the management system 20 waits for the determination of the unpaid decision (9012) by the lawyer or the like (914). Based on the results, the contractor's lawyer, etc., will then process so that the settlement of non-payment, such as the next purchase, can proceed. In the case where the accrual is confirmed, for example, “accrued confirmation” may be stored in a separate data table (not displayed). Further, this information may be sent from the management system 20 to a lawyer or the like, for example, via the network 10 based on the “accrual confirmation”.

  In this way, when the management fee is charged and the payment is made normally, the above processing is repeated every month, for example, so that the management fee can be collected without delay, but there was a delinquency In such a case, lawyers and the like will perform the non-payment clearing process. Also, if the delinquency amount is high and there is a risk of exceeding the property evaluation value, for example, a contract is made in the lawyer contract column 4014 of the customer management association data table 40. It is assumed that the purchase of the property is performed for, for example, a financial institution that has a contract in the fund contract column 4016.

  In addition, for the series of states from billing (6001) to non-payment settlement (6013), billing (9001) to unpaid settlement (9012), collection by a lawyer, and purchase brokerage by the partner fund company, for example, management Information processing in the system 20 will be described below. A payment progress data table 100 that stores information related to payment progress will be described with reference to FIG.

  The payment progress data table 100 is developed on, for example, the management apparatus DB 21 and includes a progress title column 1001, a progress management item column 1002, and information for each category owner for settlement progress management. An information column 10001, a category owner 2 progress information column 10002, a category owner 3 progress information column 10003,. In the progress title column 1001, for example, information “January 2013” is stored regarding the year and month for which progress management is performed, and the year and month of the payment progress data table are clearly indicated. Furthermore, the progress management item column 1002 includes a category owner code column 10021, an account transfer request date column 10022, an account transfer deposit date column 10023, a credit card payment request date column 10024, a convenience store payment request date. A date column 10025, a convenience store payment date column 10026, a trust maintenance date column 1000028, an unpaid finalization column 1000029, and the like. For example, in the category owner code column 10021 of the category owner 1 progress information column 10001, the customer category owner data table 50 shown in FIG. 5 and the category owner settlement data table 80 shown in FIG. , Information “123401001” is stored. In addition, since the segment owner codes of the customer segment owner data table 50, the segment owner settlement data table 80, and the segment owner settlement data table 80 are the same, the information in the three data tables is the same segment owner. It shall be processed as information. The other details are based on the customer category owner data table 50 and the category owner settlement data table 80.

  Next, processing for managing the progress of settlement in each settlement means will be described. For example, the division owner “1233401001” in the division owner 1 progress information column 10001 is paying administrative expenses etc. by account transfer, and the withdrawal date by the financial institution of this month was January 5, 2013 In this case, for example, in the management system 20, information “250105” is stored in the account transfer request date column 10022. For example, the information is sent from the management system 20 via the network 10 to, for example, the financial institution for account transfer 8022 of the corresponding category owner “1233401001” in the category owner settlement management item column 8001. It is transmitted to the institution system 203, and the financial institution 203 performs the account transfer process from the account number stored in the account number column 8023 of the corresponding category owner settlement management item column 8001. When the debiting by the account transfer is completed, the management expenses and the like are transferred to the account of the trust organization entrusted shown in the trust organization contract column 4013 shown in FIG. 4, and the result is, for example, from the trust organization, for example, When the date sent to the management system 20 via the network 10 and withdrawn is, for example, January 5, 2013, the date of the account transfer payment of the corresponding category owner “123401001” For example, information “250105” is stored in the column 10027 by the management system 20. Note that the information “250105” is information indicating the date, but if this field is blank, it may be determined that there was no payment by direct debit. Thus, when there is a deposit by account transfer, for example, the management system 20 transmits a trust maintenance request to the beneficiary agent system 202 via the network 10, for example, and the trust maintenance request is sent to the request. When the information indicating that the request has been completed is returned to the management system 20, for example, the management system 20 puts, for example, “250105” in the trust maintenance date column 10022 of the relevant category owner “1233401001”. Store information. In addition, about the information regarding this date, you may perform the same response | compatibility as the said account transfer deposit date column 10023.

  The information processing of the payment progress data table 100 in the account transfer has been described above. Regarding credit card payment and convenience store payment, the credit card payment request date column 10024, the convenience store payment request date column 10025, and the convenience store payment Each column such as the year / month / day column 10026 is processed in the same manner as the account transfer. If there is no payment for any of the charges and the unaccrued payment is confirmed, for example, the management system 20 stores the information “probability” in the unpaid confirmation column 1000029.

  Next, a second embodiment of the present invention will be described. In this second embodiment, the business entity gives advice to the condominium management association in cooperation with a lawyer or the like. The outline of the configuration is as described above with reference to FIG.

  Next, the details of the management system are the same as those of the management system 20, and the detailed description is as described above with reference to FIG.

  Next, the customer system is the same as the customer system 30, and the detailed description is as described above with reference to FIG.

  The outline and configuration of the second embodiment of the present invention have been described above. Next, details and operation of the second exemplary embodiment of the present invention will be described.

  First, for example, the customer management association data table created at the start of advice is basically the same as the customer management association data table 40, and the detailed description thereof is as described above with reference to FIG. In addition, an entity may respond in cooperation with a lawyer regarding the content of advice.

  Next, a procedure for storing information in each column of the customer 1 column 401 will be described with reference to FIGS. The input to the customer management association data table 40 in the second embodiment is performed from the management input device 24 of the management system 20 according to, for example, a customer management association information input screen (not shown) displayed on the customer output device 33. And First, the business entity in charge of advice on repayment of administrative expenses, etc. determines whether or not the customer management association is a new customer registration (S701). , Stored in the customer name column 4002 of the customer 1 column 401. Similarly, information such as “Minato-ku XXX in Tokyo” is stored in the customer address field 4003, and “◯ × unevenness” is stored in the customer representative field 4004, for example (S702). The new customer registration information may be stored together with image information such as a public certificate in addition to the input information from the keyboard or the like.

  When storage of customer registration information is completed, information necessary for business development is stored. For example, in the condominium management union of customer 1, regarding the delegation of management fee repayment advice to the business in charge, if the resolution is approved at the general meeting, etc., the information “approved” is displayed in the general meeting resolution column 4008. Store (also referred to as “approved” storage, the same applies hereinafter) (S705, S706). Next, in accordance with a resolution at the general meeting, etc., if the contract and / or the contract regarding the delegation of management fee repayment advice to the responsible entity is valid, “valid” is stored in the contract column 4009. (S707, S708). Thereafter, similarly, necessary information is stored in the management contract field 4010, the memorandum field 4011, for example, the lawyer contract field 4014 for the cooperating lawyer.

  As described above, when the storage of various information including the general meeting resolution column 4008 necessary for delegating the advice for repayment of administrative expenses and the like has been completed, the contract processing column 4005 displays “complete”. Further, for example, “123400” is stored as the customer code in the customer code column 4099, and the information storage in the customer management association data table 40 regarding the customer 1 column 401 is completed.

  When storing “completed” in the contract processing column 4005, the management of the condominium is managed as the management fee repayment advice is outsourced to the contractor (the business entity in charge is also referred to as the contractor). In addition to necessary items such as contractor, contract details, business start date, etc. in required documents such as regulations, payment methods as required, for example, credit card payment specified by the management association, storage postcard specified by the management association, etc. For example, it is judged by a predetermined judge and the result is reflected in the contract processing column 4005 that it is clearly stated that the payment at the convenience store and / or the payment by the account transfer prescribed by the management association is approved. And

  In response to the fact that the contract processing column 4005 is “completed”, a specific business development of advice for repayment of administrative expenses, etc., which is the next stage, will be described. Also in the second embodiment, processing is performed according to the customer category owner data table 50 of FIG. The customer category owner data table 50 is developed on, for example, the customer device memory 31, and includes a title column 501, a management item column 502, a category owner 1 information column 5001, each category owner information, and a category owner. 2 information column 5002, division owner 3 information column 5003, and so on. Further, the management item column 502 includes a room number column 5021, a category owner code column 5022, a payment method column 5023, a change column 5024, a repair reserve column 5025, a management fee column 5026, a total management fee etc. column 2027, and a fee column 5028. ,..., A total column 5029 and the like.

  Next, each column will be described. In the title column 501, for example, “123400” which is the customer code of the customer 1 is stored, and the target date such as the management cost of the corresponding apartment is displayed as “June 2013”, for example. The customer category owner data table 50 exists for the year and month to be managed. In the room number column 5021, the category owner 1 information column 5001 is “101”, the category owner 2 information column 5002 is “102”, the category owner 3 information column 5003 is “103”,. Stores a specific room number. Next, in the category owner code column 5022, the category owner 1 information column 5001 has “1234101001”, the category owner 2 information column 5002 has “1234102001”, the category owner 3 information column 5003 has “1234103001”, ..., etc. Stores the classification owner code. In the following, information necessary for collection work such as management costs is stored as necessary. The input of the information may be executed by the customer system 30 or the management system 20. Other details are based on the customer management association data table 40.

  As described above, the customer category owner data table 50 has been described. As a part of advice for repayment of administrative expenses, etc., the customer category owner data table 50 is displayed on the management output device 23 of the management system 20 to confirm its contents. I do. At that time, it is possible to display all the information about the customer or display it for each customer.

  Next, the display of the customer category owner data table 50 in the customer system 30 will be described when the customer category owner data table 50 is collectively managed on the management system 20 side as part of the advice for repayment of administrative expenses, etc. To do. When the customer system 30 is requested to display the contents related to the customer category owner data table 50, the management system 20 uses the contents of the customer category owner data table 50 of the corresponding customer as the customer output device 33 of the customer system 30. (Not shown). Note that the customer month 30 may be specified by the customer system 30 and the contents of the customer category owner data table relating to the corresponding year may be displayed.

  In the customer system 30, the displayed contents of the customer category owner data table are input from the customer input device 34 when there is a correction. However, regarding the correction contents, the management system 20 may manage whether correction is possible for each item.

  Although the customer category owner data table 50 has been described above, the category owner-specific settlement data table 80 that stores information related to settlement processing for collection operations such as administrative expenses will be described with reference to FIG. This figure is also prepared as part of advice, for example. The category owner settlement data table 80 is developed on, for example, the customer device memory 31, and includes a segment data 1 settlement that shows customer data column 801, settlement management item column 802, and settlement information for each segment owner. An information column 8001, a category owner 2 settlement information column 8002, a category owner 3 settlement information column 8003,... Further, the settlement management item column 802 includes a division owner code column 8021, an account transfer financial institution column 8022, an account number column 8023, a credit card number column 8024, a convenience store postcard destination column 8025, and so on. Configured. For example, similarly to the customer category owner data table 50 shown in FIG. 5, for example, information “123401001” is stored in the category owner code column 8021 of the category owner settlement management item column 8001. It should be noted that the information of the two data tables is processed as a unit because the category owner codes of the customer category owner data table 50 and the category owner settlement data table 80 are the same. Other details are based on the customer category owner data table 50.

  Next, as described above, the processing to be performed as the collection of the management fee, etc., according to the fact that the payment means is specified in the management rules for the payment means will be described. For example, regarding payment by a credit card which is an international card, it is assumed that the division owner owns a credit card. If you do not own it, you must have it. The management union requests each category owner to approve the non-payment reminder by credit payment and to contact the credit card number. When the credit card number to be used is returned after approving credit payment from each section owner, it is stored in the credit card number column 8024 of the corresponding section owner code. For example, if the credit card number of the category owner code “123401001” is “5880XXX”, for example, as shown in FIG. 8, the credit card number column 8024 of the category owner settlement management item column 8001 is displayed. , Information “5880XXX” is stored.

  Further, processing related to convenience store payment will be described based on the management rules and the like. For example, the condominium management association requests each category owner to contact, for example, the postal address for sending a convenience store payment for non-payment reminders. The address returned from each category owner is stored in the convenience store postcard destination column 8025 of the corresponding category owner code. For example, if the convenience store postcard destination of the category owner code “123401001” is “Minato-ku XXX, Tokyo”, for example, as shown in FIG. Information “Minato-ku Tokyo XXX” is stored in a postcard for convenience store delivery address field 8025. In addition, even if the information such as the destination is a character code string, the code or the like uniquely set by the postal code or the contractor, or the information such as the character code or the postal code is unique by the contractor or the like. It is also possible to add information such as a code set in.

  In addition, processing related to account transfer will be described based on the management rules and the like. For example, the condominium management association sends the necessary documents to each category owner in accordance with the advice of the consignee, and the condominium management association transfers, for example, the transfer of administrative expenses etc. by account transfer to the account specified by the customer account number column 4017. Request documents to be returned after processing. For example, as part of the advice, the contractor adds necessary items to the returned documents, sends them to the management association, and waits for the end of the examination results of the financial institution. When this examination is completed, necessary information such as account transfer financial institution information and account number is stored in the account transfer financial institution column 8022 and account number column 8023 of the corresponding category owner code. For example, if the account transfer financial institution field 8022 of the category owner code “123401001” is “0987” and the account number is “5423XXX”, as shown in FIG. 8, the corresponding category owner settlement management is performed. In the item column 8001, information “0987” is stored in the account transfer financial institution column 8022 and information “5423XXX” is stored in the account number column 8023. In the above description, a numerical code is stored as information in the financial institution column for account transfer. For example, it is information such as a character code string such as a bank name, a code uniquely set by a consignee, etc. Alternatively, a character code string such as a bank name may be added with information such as a code uniquely set by a consignee.

  The information stored in each item column of the customer category owner data table 50 and the category owner settlement data table 80 has been described above, but each data table is stored in, for example, the customer device memory 31 in each item column. If so, it is assumed that the customer device processor 32 stores it. Also, the information in each item column is transmitted as part of the advice, for example, by the operator from the management input device 24 or transmitted from the trust organization system 201 via the management device interface 26 via the network 10. However, based on this, the management apparatus server 22 may perform processing.

  Next, how to use the information in the customer category owner data table 50 to proceed with the collection operation of administrative expenses and the like will be described according to the advisory future claim processing trust maintenance time table 110 shown in FIG. The management fee of each condominium is billed every month (11001) and payment is made for this, but in the second embodiment, for example, on the 5th of every month, the network 10 is connected from the customer system 30. Then, if each financial institution is requested to transfer the account from the account of each category owner, the subsequent deposits shall be processed as deposits for administrative expenses, etc. for that month. Each financial institution or the like transmits to the customer system 30 via the network 10, for example, and based on this, the customer system 30 confirms payment (11003). For example, when there is a deposit such as an administrative fee from the owner of the room number 101 of the customer code 123400, for example, each financial institution transmits the deposit information to the customer system 30 via the network 10, and based on this information In the customer system 30, the category owner 1 information column 5001 corresponding to the room number 101 of the customer category owner data table 50 for the corresponding month is credited, for example, the display is black shaded and the non-paid category owner (Not shown). When deposit information is transmitted from each financial institution to the customer system 30, for example, segment owner codes (5022, 8021) may be used as information for determining each segment owner. In addition, for a certain year and month, the sum of the amounts stored in the total column 5029 of the customer category owner data table 50 is the total amount received, and the total amount not stored is the total amount not yet received. It may be stored separately in a data table (not shown). Further, the sum of the non-payment of the same category owner stored in the customer category owner data table 50 for all years becomes the total of the non-payment of the category owner, which is added to a separate data table (not shown). ) May be stored.

  As mentioned above, the management fees of the corresponding apartment are usually deposited from each category owner to the financial institution, etc., but if there is no deposit even the next month, follow the advice of the contractor's lawyer, etc. In the customer system 30, the category owner judges what has been delinquent, confirms delinquency (11008), and stores this information. When the non-payment is confirmed, the customer system 30 determines that the non-payment is settled according to the above information (11009), and, for example, according to the advice of the contractor's lawyer, etc. It shall be performed (11013).

  As mentioned above, although the process in the management system 20 and the customer system 30 was demonstrated about normal account transfer, an example of the process in the 2nd Embodiment of this invention using each payment method including account transfer is shown in FIG. A description will be given according to the advice settlement means time table 120 shown.

  The settlement means time table 120 is composed of, for example, three months of last month 1201, current month 1202, and next month 1203. Furthermore, it consists of an account transfer column 1211, a credit card payment column 1212, a convenience store payment column 1213, a lawyer column 1214, a financial institution column 1215, a business entity 1216 for giving advice, and the like. In the account transfer (1211), as described above, according to the information shown in the account transfer financial institution column 8022 and the account number column 8023 of the divided owner settlement data table 80, the customer system 30 sends an account to the financial institution. A transfer request shall be made. First, at the beginning of the previous month, the customer system 30 requests the financial institution designated by each category owner to transfer the bill amount to the account (12001). Each financial institution performs a transfer process of a predetermined amount according to this information from the account of the section owner to, for example, the account of the management association that is the customer indicated in the customer account information 4017. When normal transfer processing is performed from the account of the category owner (12002), the customer system 30 is contacted and this information is reflected in the customer category owner data table 50. Thereafter, this account transfer is repeated every month. If the account transfer cannot be performed due to a lack of balance of the category owner account (12003), the customer system 30 is contacted via the network 10, for example. If the customer entrusts a lawyer or the like in the lawyer contract column 4014 (12013) and determines that continuation of the account transfer is impossible, the customer pays the credit card by, for example, credit card payment (1212) according to the management regulations. Management expenses including necessary expenses will be collected. First, in the customer system 30 as a customer, according to the information in the credit card number column 8024 of the category owner settlement data table 80, the settlement request form by mail or real-time settlement such as the Internet, etc. Thus, a billing process for the uncollected amount is performed (12004). When the credit card can be debited (12006), the credit card processing is repeated every month. If it is determined that the card is invalid because the card number is unregistered or the like (12005), the response is entrusted to a lawyer or the like (12013), for example, convenience store payment (1213) is performed. First, the customer system 30 performs a billing process such as a management fee and a dunning fee including a cost required for the convenience store payment in accordance with the information in the convenience store postcard destination field 8025 of the category owner settlement data table 80 (12008). And In addition, even when a credit card payment request (12004) is made but not yet received (12007), the customer system 30 entrusts a lawyer or the like (12013), and the customer system 30 receives the next month (1203). For example, it is assumed that a billing process by a convenience store payment is performed (12010). If the customer system 30 is not yet receivable despite being billed at the convenience store (12008, 12010), the customer system 30 determines the receivable confirmation (12012) by the lawyer 1214 in the lawyer contract column 4014. After that, based on the results, we will entrust the contractor's lawyer and the like to process the non-payment settlement. In the case where the accrual is confirmed, for example, “accrued confirmation” may be stored in a separate data table (not displayed). Further, the information may be sent from the customer system 30 to a lawyer or the like via the network 10, for example, based on the “accrual confirmation”.

  In this way, when the management fee is charged and the payment is made normally, the above processing is repeated every month, for example, so that the management fee can be collected without delay, but there was a delinquency In this case, for example, an entity that provided advice on repayment of administrative expenses, etc. can examine customers including the assessment of the corresponding customer property, further examine information on delinquents (12015), and can form a business alliance with the management association If it is determined (12016), for example, a lawyer 1214 in the lawyer contract column 4014 is entrusted to the non-payment settlement process. For example, receivables are collected by entrusting a reimbursement process to a financial institution 1215 or the like indicated in the partner fund contract column 4016 (12014). If the delinquency amount is high and there is a risk of exceeding the property evaluation value, the advisory business entity, lawyer, etc., will be entrusted with respect to the sale / auction (12017) of the property concerned. In the second embodiment of the present invention, when it is determined that the business alliance is possible, “valid” or “association possible” may be stored in the contract document column 4009 again.

  In addition, about the series of states from the billing (12001) to the auction / auction (12013) and the outsourcing to a lawyer described above, for example, information processing is performed in the customer system 30; The payment progress data table 100 that stores information related to the above will be described with reference to FIG. This figure is also prepared as part of the advice, for example.

  The payment progress data table 100 is developed on, for example, the customer device memory 31, and shows a progress title column 1001, a progress management item column 1002, and a category owner 1 indicating information for settlement progress management of each category owner. A progress information column 10001, a category owner 2 progress information column 10002, a category owner 3 progress information column 10003, and so on. In the progress title column 1001, for example, information “January 2013” is stored regarding the year and month for which progress management is performed, and the year and month of the payment progress data table are clearly indicated. Furthermore, the progress management item column 1002 includes a category owner code column 10021, an account transfer request date column 10022, an account transfer deposit date column 10023, a credit card payment request date column 10024, a convenience store payment request date. A date column 10025, a convenience store payment date column 10026, a trust maintenance date column 1000028, an unpaid finalization column 1000029, and the like. For example, in the category owner code column 10021 of the category owner 1 progress information column 10001, the customer category owner data table 50 shown in FIG. 5 and the category owner settlement data table 80 shown in FIG. , Information “123401001” is stored. In addition, since the segment owner codes of the customer segment owner data table 50, the segment owner settlement data table 80, and the segment owner settlement data table 80 are the same, the information in the three data tables is the same segment owner. It shall be processed as information. The other details are based on the customer category owner data table 50 and the category owner settlement data table 80.

  Next, processing for managing the progress of settlement in each settlement means will be described. For example, the division owner “1233401001” in the division owner 1 progress information column 10001 is paying administrative expenses etc. by account transfer, and the withdrawal date by the financial institution of this month was January 5, 2013 In this case, for example, in the management system 20, information “250105” is stored in the account transfer request date column 10022. For example, the information is sent from the customer system 30 via the network 10 to the financial institution column 8022 for account transfer of the corresponding category owner “123401001” in the category owner settlement management item column 8001, for example, financial It is transmitted to the institution system 203, and the financial institution 203 performs the account transfer process from the account number stored in the account number column 8023 of the corresponding category owner settlement management item column 8001. When the debit by the account transfer is completed, the management expenses and the like are transferred to the customer management association account shown in the customer account information 4017 shown in FIG. 4, and the result is, for example, the customer system 30 via the network 10. For example, if the date of withdrawal was January 5, 2013, the information “250105”, for example, is entered in the account transfer deposit date column 10023 of the corresponding category owner “1233401001”. Are stored by the customer system 30. Note that the information “250105” is information indicating the date, but if this field is blank, it may be determined that there was no payment by direct debit. In the second embodiment of the present invention, the trust maintenance date column 10022 of the corresponding category owner “123401001” may be blank.

  The information processing of the payment progress data table 100 in the account transfer has been described above. Regarding credit card payment and convenience store payment, the credit card payment request date column 10024, the convenience store payment request date column 10025, and the convenience store payment Each column such as the year / month / day column 10026 is processed in the same manner as the account transfer. If there is no payment for any of the charges and the accrual is confirmed, for example, the customer system 30 stores the information “Certain” in the accrual confirmation column 1000029.

  Although the second embodiment of the present invention has been described above, it is assumed here that the business entity has been entrusted with collection work such as management costs. If the contract is refused as the business entity at the judgment of the business entity, the nonpayment settlement process shown in the first embodiment is not performed at that time. However, if it is entrusted to give advice regarding the collection of the administrative expenses, etc., advice will be given according to the contents of the entrustment. Further, when the system processing in the customer management association is included as the commissioned contents, the necessary information storage processing may be performed by, for example, dispatching human resources and processing by the customer system 30 or processing by the customer system 30 May be substituted by the management system 20. In the first embodiment, the advice shown in the second embodiment may be given depending on the contents of entrustment.

  Next, a third embodiment of the present invention will be described. In the first embodiment, for example, when a contract relating to consignment is concluded between an apartment management association and an entity in charge of settlement proxy non-payment guarantee business, for example, all repayment responses to non-payers are made Entrusted to the entity responsible for non-payment guarantee work. In the second embodiment, the business entity mainly provides advice to the condominium management association. For example, at the stage where delinquency is confirmed and legal procedures are required, the contract is related to consignment for delinquency. Consultation between the management association and the entity that advises the collection of administrative expenses, etc., or the administrative fee etc. of the condominium owner has already been delinquent, this past due, ie past claims Concerning the collection, a consignment contract will be concluded separately with the entity in charge of the settlement agent non-payment guarantee business. In any case, in the second embodiment, regarding the collection of past claims, when the contract entrusted to the entity in charge of the settlement proxy guarantee service is concluded and becomes effective, In the final legal procedure, etc., for example, a sale or auction will be carried out. However, before the legal procedure, the details of the actions to be taken with delinquents are explained. There wasn't. In the third embodiment to be described below, details of a debt collection operation performed by an entity in charge of a settlement proxy non-payment guarantee operation will be described before reaching a legal procedure.

  First, regarding the processing in the third embodiment, a past bond collection time table 130 shown in FIG. 13 will be described. The past claim collection time table 130 includes a management union column 131, a lawyer column 132, an advisory entity / receivable processing entrusted entity column 133, a delinquent customer column 134, and the like. When the condominium management association entrusts the collection of past claims to the advisory entity, the condominium management association makes a contract with the advisory entity, etc. regarding the collection of past claims, and the advisory entity, etc. The past claim collection business will be started. The past claim acceptance data table 140 shown in FIG. 14 that stores information related to the contract will be described as follows.

  The past claim acceptance data table 140 includes a customer item column 14001 for storing a category of a customer to be delegated, a customer code column 14002 for storing a customer code, an address column 14003 for storing a customer address, and a claim for storing an acceptance status from a customer A process acceptance column 14004,... The customer item column 14001 further includes an item column 1401, a customer 1 column 1402, a customer 2 column 1403,. The past claim acceptance data table 140 is, for example, according to a program stored in the management device DB 21, information calculated from related information by the management device server 22, or past claim acceptance data table displayed on the display of the management output device 23. In accordance with a setting screen (not shown), for example, information input by an operator from the keyboard of the management input device 24 of the management system 20 is stored on the management device DB 21 by the management device server 22 according to a program stored in the management device DB 21. Shall be stored in The past bond acceptance data table setting screen (not shown) has the same format as the past claim acceptance data table 140. Further, if necessary, a past credit acceptance data table display screen (not shown) according to the contents of the past credit acceptance data table 140 is displayed on, for example, the management output device 23 of the management system 20 and the customer output device 33 of the customer system 30. Shall be displayed. The past bond acceptance data table 140 may be input and stored in the memory on the customer system 30 side. The information input and stored on the management system 20 side may be transmitted to the customer system 30 side via the network 10, for example, and the information input and stored on the customer system 30 side may be transmitted to the management system 20 side. You can send it.

  Next, a procedure for storing information in each column of the past claim acceptance data table 140 will be described with reference to FIG. First, it is determined whether or not the information related to the customer subject to the debt collection business contract is newly registered. In the case of new customer registration, for example, each information is stored in the customer 1 column 1401 of the past claim acceptance data table 140. In the customer code column 14002, if the customer code is 123400, for example, “123400”, and the address column 14003 indicates the address of the target apartment, for example, “Minato-ku, Tokyo XXX”, bond processing acceptance column In 14004, if a contract related to acceptance of past claims is concluded, for example, “Acceptance of past claims”, the original claims column 14005 contains, for example, In the arrears damage column 14006, if the management association has abandoned the arrears damages, for example, “Management Abandonment”, the arrears details column 14007 For example, if the advisory entity has been scrutinized regarding the handling of delinquent damages, for example, “scrutinized”, the time-effective support column 14008 shows, for example, if the advisory entity has already scrutinized the handling of timely-impaired, for example, “scrutinized”, If the lawyer in charge column 14009 has already selected a lawyer in charge of past claim processing, for example, “completed”, and the fee column 14010 contains an agreement on the fee for processing past claim by the claim processing business entity, for example, In the “completed” and legal procedure column 14011, information on “accepted”,..., For example, is stored when the legal procedure processing is performed when the past claims cannot be collected from the delinquent. In the receivable processing acceptance column 14004, for example, in the advisory entity, regarding the contents shown in the item columns 14005 to 14010, for example, the condominium management association continues to hold the original receivables, but the rights regarding past due damages On the other hand, in the entity that accepts receivables, the details of the non-payment regarding the section owner of the condominium management association will be examined closely. No delegation regarding. In addition, in connection with the abandonment of delinquent damages, we have scrutinized that it is clear that provisions for arrears damages are made in the management regulations of condominium management associations, etc. If it is determined that it is acceptable to accept a contract, such as not accepting a commission when confirmation cannot be obtained. Similarly to the receivables processing acceptance column 14004, for example, the “proceeding” information is stored in the general procedure column 14011 when it is determined that the contents of the related item column can be accepted. Thereafter, similarly to the customer 1 column 1401, each information is also stored in the customer 2 column 1402,. In addition, the details of the past claim acceptance data table 140 are based on the purchase target property data table 40 and the like.

  The contents of each column of the past claim collection time table 130 and the information stored in the past claim acceptance data table 140 have been described above. Specific processing contents will be described according to the past claim collection time table 130 below. In the condominium management association, for example, when the past debt collection is delegated to the advisory entity, the contractor 1311 with the advisory entity is consulted with the advisory entity. If the advisory entity decides to accept the contract 1331 in accordance with the claim processing acceptance column 14004, the counsel for the legal counsel from both the condominium management association and the claim processing acceptance entity will receive a contract for the contract acceptance 1321. tie. As described above, when the contract related to the collection of past claims becomes valid, the credit receivable processing entity requests legal examination 1332 from an attorney and the like, and the person who is delinquent in the condominium, through grasping the actual situation about the delinquency 1332 Do. If the delinquent repayment 1341 is made based on the actual condition 1332, for example, based on the information stored in the fee column 140010, the required expenses such as the agreed fee are reduced from the amount of the receivable 1333, and remittance is performed. The union receives 1312. If the delinquent does not respond to repayment according to the actual condition 1332, the credit receivable contracting entity requests a legal examination 1323 from a lawyer and the like, For example, a collective return or split repayment 1342 is presented. When the repayment plan is presented and the delinquent of the condominium repays 1343 including late damages, lawyer fees, etc. The amount of money, lawyer expenses, etc. reduced 1333 is transferred, and the condominium management association receives 1312. Even if the contents of the repayment plan formulation 1334 are presented to the delinquent, if the repayment is not yet responded, the credit receivable contracting entity, for example, in accordance with the information stored in the legal procedure column 14011, the legal examination 1324 As well as proceeding with the examination 1335 of legal procedures for collecting past claims.

  As described above, the processing details of the apartment management association and the credit processing acceptance business entity in the third embodiment have been described. Regarding the information on the delinquent, the past credit collection progress data table 150 shown in FIG. 15 will be described as follows. . The past bond collection progress data table 150 includes a customer code column 1501 for storing customer code information that is a target of the past bond collection progress data table 150, a content column 1502 for storing each category of the past bond collection progress data table 150, Non-payment category owner 1 column 15001, non-payment category owner 2 column 15002, non-payment category owner 3 column 15003, etc., and the content column 1502 stores non-payment category information. Categorized owner code field 15021 for storing a person code, unaccrued confirmed date field 15022 for storing a non-accrual date of the non-payment person, actual condition for storing a date of conducting an interview and understanding of the non-payment person The grasp date column 15023, the repayment plan presentation date column 15024 for storing the repayment plan presentation date, whether the return is batch or divided A return classification column 15025 for storing information relating to the legal information, a legal procedure column 15026 for storing information relating to legal procedures, a repayment column 15027 for storing information relating to repayment, and the like. , Indicating the date of implementation, the first implementation date column 150231, the second implementation date column 150232, and so on. The past debt collection progress data table 150 is, for example, according to a program stored in the management apparatus DB 21, information calculated from related information by the management apparatus server 22, or past debt collection progress displayed on the display of the management output apparatus 23. In accordance with a data table setting screen (not shown), for example, information input by an operator from the keyboard of the management input device 24 of the management system 20 is managed by the management device server 22 according to a program stored in the management device DB 21. The data is stored on the DB 21. The past bond collection progress data table setting screen (not shown) has the same format as the past bond collection progress data table 150. Further, if necessary, a past debt collection progress data table display screen (not shown) according to the contents of the past debt collection progress data table 150 is displayed, for example, a management output device 23 of the management system 20 or a customer output of the customer system 30. It is displayed on the device 33. The past bond collection progress data table 150 may be input and stored in the memory on the customer system 30 side. The information input and stored on the management system 20 side may be transmitted to the customer system 30 side via the network 10, for example, and the information input and stored on the customer system 30 side may be transmitted to the management system 20 side. You can send it.

  Next, the contents of various information stored in the past bond collection progress data table 150 are shown below. First, in the customer code column 1501, for example, if the customer code is 123400, information such as “past claim collection progress data table customer code: 123400” is stored in the category owner code column 15021 of the content column 1502, for example, “segment ownership. For example, information for “acquired date of accrual” in the field 15022 for unpaid confirmation date, for example, “date of accrual for actual condition” in the field for grasping actual condition 15023, For example, the repayment plan presentation date field 15024 contains information such as “repayment plan presentation date”, the repayment classification column 15025 contains information such as “repayment lump / split”, and the legal procedure column 15026 contains “legal”. The information “manual procedure” is stored in the repayment column 15027, for example, the information “repayment”. In addition, for example, the first implementation date column 150231 of the actual status date column 15023 has information “first”, for example, and the second implementation date column 150232 has information “second”, for example. In the following, each information is stored in the same manner. Next, regarding specific non-payment category owner information, the non-payment category owner 1 column 15001 in the category owner code column 15021 contains the customer non-payment category owner code shown in the customer code column 1501. Is 1234103001, for example, information “1234103001” is stored in the non-accrual date column 15022. If the non-accrual date of the delinquent is January 31, 2013, for example, “ 250131 ”in the first implementation date column 150231 of the actual status grasp date column 15023, the first interview actual grasp date of the delinquent is February 1, 2013. In this case, for example, the information “250201” is displayed in the second implementation date column 150232 for the second actual hearing grasp date for the delinquent. In the case of 15th, for example, the information “250215” is displayed in the repayment plan presentation date column 15024, for example, the date on which the repayment processing business entity presented the repayment plan to the delinquent. In the case of March 1, 2013, for example, information “250301” is stored. In addition, the non-payment category owner 2 column 15002 non-payment category owner 3 column 15003,..., Etc., as well as the non-payment category owner 1 column 15001, the repayment category column 15025 is a collective repayment after discussion on repayment When the agreement is reached, for example, “collective” information is entered into the legal procedure column 15026, and when the legal procedure is executed, for example, information “execution” is entered into the repayment column 15027. For example, information “done” is stored, for example. In addition, the details of the past claim acceptance data table 140 are based on the purchase target property data table 40 and the like.

The information stored in the past debt collection progress data table 150 has been described above. The information includes the attorney column 132, the advisory entity / receivable processing entrusted entity column 133, and the delinquent Corresponding to the processing after the hearing actual condition grasping 1332 shown in the column 134, it is stored in each item column of the delinquent in the past debt collection progress data table 150. Further, the past credit amount and the like related to the delinquent may be separately stored in a data table or the like (not shown) and may be aggregated for each customer. In particular, fees, delinquent damages, legal expenses, etc. may be aggregated by non-payee and by customer and reported to each.

  In this way, in the third embodiment, even if nonpayment of nonpayment is confirmed, legal procedures are not performed immediately, but the cause of nonpayment is clarified according to the status of nonpayment. Indicate that future receivables should be paid for the payment of administrative expenses, etc., and that in many cases receivables can be repaid, and further indicate the repayment plan for past receivables reviewed by the receivables processing contractors, lawyers, etc. In this way, the government will be encouraged to repay past debts. In some cases, even if it is necessary to repay the debt by auction, etc., it is sufficient to arrange for the residence after leaving the current residence in the repayment plan, etc. By responding, even if it leads to legal procedures, it will be possible to proceed with repayment more smoothly by building a trusting relationship with creditors. The correspondence to these non-payers may be managed by storing each information separately in a data table (not shown) as information related to the repayment classification column 15025 and the legal procedure column 15026, for example. Absent.

  As mentioned above, although 1st, 2nd, 3rd embodiment was demonstrated, in the description, the business charge side which manages the apartment by an apartment management association, a management company, an apartment manager, etc., and the business which manages the said apartment, for example It is premised on the existence of the business side that accepts business outsourcing and / or advice outsourcing related to settlement of expenses including administrative expenses from the responsible person and delinquency, but if the technical idea of this application can be realized, for example in the apartment management association The business contents of the business entity may be included. In addition, the first, second, and third embodiments are not embodiments that exist individually. For example, when a business relating to delinquency is performed according to the first embodiment, Processing may be performed according to the embodiment. Alternatively, for example, in the first embodiment, the processing overlapping with that of the third embodiment may be performed using the data table described in the third embodiment.

  The present invention not only provides effective countermeasures against delinquents such as condominium management costs, but also efficiently collects expenses related to real estate. Furthermore, the present invention can be widely applied not only to the industrial field related to the real estate but also to the retail industry where a fixed amount of monthly expenses is required to be collected for confirmation.

DESCRIPTION OF SYMBOLS 10 ... Network 20 ... Management system 30 ... Customer system 40 ... Customer management association data table 50 ... Customer division owner data table 60 ... Future debt processing and trust maintenance time table 80 ··· Settlement-specific data table 90 ··· Settlement means time table 100 ··· Payment progress data table 110 ·· Advisory future claim processing and trust maintenance time table 120 ··· Advisory settlement means time table 130 ·· Past claims Collection time table 140 ・ ・ Previous bond acceptance data table 150 ・ ・ Past bond collection progress data table

Next, details of the management system 20 will be described with reference to FIG. As shown in FIG. 1, the management system 20 includes a management device database (hereinafter referred to as “management device DB”) 21, a management device server 22, a management output device 23, a management input device 24, and a management device interface 26. It is configured. The management device server 22 processes data related to settlement arrears business management, and the management device DB 21 stores settlement agency delinquency guarantee business data. The management output device 23 includes a display, a printer, and the like, and outputs various types of information as necessary. The management input unit 24, a keyboard, a bar code reader is constituted by a scanner or the like, but to input information as needed, is intended to include all devices that enables input of information. Note that the management system 20 may be composed of a single system or a plurality of systems as long as the management system 20 can finally perform the business of the management system.

Next, details of the customer system 30 will be described with reference to FIG. As shown in the figure, the customer system 30 includes a customer device memory 31, a customer device processor 32, a customer output device 33, a customer input device 34, and a customer device interface 36. The customer device processor 32 displays information on the customer output device 33 according to the information sent from the management system 20. The customer output device 33 includes a display, a printer, and the like, and outputs various types of information as necessary. The customer input device 34, a keyboard, a bar code reader is configured to include a scanner or the like, but to input information as needed, is intended to include all devices that enables input of information. In the customer input device 34, input information from a keyboard or the like is displayed on the customer output device 33 as necessary, and the information displayed on the customer input device 34 is managed via the customer device interface 36 as necessary. 20 to send. The management system 20 performs a payment arrears business management process according to the transmitted information, and if further information is required, that fact is displayed on the customer output device 33 of the customer system 30.

As mentioned above, the management fees of the apartments are usually paid from each division owner to financial institutions, etc., but if there is no payment even the next month, the management system 20 It is determined that the customer is delinquent, the delinquency is confirmed (6008), and this information is stored. When the non-payment is confirmed, the management system 20 determines that the settlement is a stagnation settlement according to the information (6009), prompts non-payment to the category owner, and continues the non-payment settlement process (6013).

The settlement means time table 90 includes, for example, three months of last month 901, current month 902, and next month 903. Furthermore, it comprises an account transfer column 911, a credit card payment column 912, a convenience store payment column 913, and a lawyer etc. column 914. In the account transfer (911), as described above, according to the information shown in the account transfer financial institution column 8022 and the account number column 8023 of the divided owner settlement data table 80, the management system 20 sends the account to the financial institution. A transfer shall be requested. First, at the beginning of the previous month, a request is made to transfer the bill amount to the financial institution designated by each section owner via the storage agency company (9001). Each financial institution transfers a predetermined amount from the account of the divided owner to the trust account of the financial institution according to this information. When normal transfer processing is performed from the account of the category owner (9002), the financial institution is contacted via the storage agent company and this information is reflected in the customer category owner data table 50. To do. Thereafter, this account transfer is repeated every month. If the account transfer cannot be performed due to a shortage of the balance of the divisional owner account (9003), the management system 20 which is a consignee is notified via the storage agency, for example, via the network 10, for example. The management system 20 of the consignee determines that it is impossible to continue the account transfer, and the management fee including the cost required for the credit card payment is collected by, for example, credit card payment (912) according to the management regulations. . First, in the management system 20 which is a consignee, according to the information in the credit card number column 8024 of the classification owner settlement data table 80, the settlement request by mail or real-time settlement such as the Internet is sent to the section owner. For example, it is assumed that the billing process for the unaccounted amount is performed (9004). When the credit card can be debited (9006), the credit card processing is repeated every month. If it is determined that the card is invalid because the card number is not registered (9005), the convenience store payment (913) is performed. First, the management system 20 performs a billing process such as a management fee and a dunning fee including a cost required for a convenience store payment according to the information in the convenience store postcard destination field 8025 of the category owner settlement data table 80 (9008). And In addition, even when the credit card payment request (9004) is made but not yet received (9007), the management system 20 performs the next month (903), for example, the billing process by the convenience store payment (9010). ) In the case where the bill is processed by the convenience store payment (9008, 9010) but the balance is not yet paid, the management system 20 waits for the determination of the unpaid decision (9012) by the lawyer or the like (914). Based on the results, the contractor's lawyer, etc., will then process so that the settlement of non-payment, such as the next purchase, can proceed. In the case where the accrual is confirmed, for example, “accrued confirmation” may be stored in a separate data table (not displayed). Further, this information may be sent from the management system 20 to a lawyer or the like, for example, via the network 10 based on the “accrual confirmation”.

The settlement means time table 120 is composed of, for example, three months of last month 1201, current month 1202, and next month 1203. Furthermore, it consists of an account transfer column 1211, a credit card payment column 1212, a convenience store payment column 1213, a lawyer column 1214, a financial institution column 1215, a business entity 1216 for giving advice, and the like. In the account transfer (1211), as described above, according to the information shown in the account transfer financial institution column 8022 and the account number column 8023 of the divided owner settlement data table 80, the customer system 30 sends an account to the financial institution. A transfer shall be requested. First, at the beginning of the previous month, the customer system 30 requests the financial institution designated by each category owner to transfer the bill amount to the account (12001). Each financial institution performs a transfer process of a predetermined amount according to this information from the account of the section owner to, for example, the account of the management association that is the customer indicated in the customer account information 4017. When normal transfer processing is performed from the account of the category owner (12002), the customer system 30 is contacted and this information is reflected in the customer category owner data table 50. Thereafter, this account transfer is repeated every month. If the account transfer cannot be performed due to a lack of balance of the category owner account (12003), the customer system 30 is contacted via the network 10, for example. If the customer entrusts a lawyer or the like in the lawyer contract column 4014 (12013) and determines that continuation of the account transfer is impossible, the customer pays the credit card by, for example, credit card payment (1212) according to the management regulations. Management expenses including necessary expenses will be collected. First, in the customer system 30 as a customer, according to the information in the credit card number column 8024 of the category owner settlement data table 80, the settlement request form by mail or real-time settlement such as the Internet, etc. Thus, a billing process for the uncollected amount is performed (12004). When the credit card can be debited (12006), the credit card processing is repeated every month. If it is determined that the card is invalid because the card number is unregistered or the like (12005), the response is entrusted to a lawyer or the like (12013), for example, convenience store payment (1213) is performed. First, the customer system 30 performs a billing process such as a management fee and a dunning fee including a cost required for the convenience store payment in accordance with the information in the convenience store postcard destination field 8025 of the category owner settlement data table 80 (12008). And In addition, even when a credit card payment request (12004) is made but not yet received (12007), the customer system 30 entrusts a lawyer or the like (12013), and the customer system 30 receives the next month (1203). For example, it is assumed that a billing process by a convenience store payment is performed (12010). If the customer system 30 is not yet receivable despite being billed at the convenience store (12008, 12010), the customer system 30 determines the receivable confirmation (12012) by the lawyer 1214 in the lawyer contract column 4014. After that, based on the results, we will entrust the contractor's lawyer and the like to process the non-payment settlement. In the case where the accrual is confirmed, for example, “accrued confirmation” may be stored in a separate data table (not displayed). Further, the information may be sent from the customer system 30 to a lawyer or the like via the network 10, for example, based on the “accrual confirmation”.

Next, processing for managing the progress of settlement in each settlement means will be described. For example, the division owner “1233401001” in the division owner 1 progress information column 10001 is paying administrative expenses etc. by account transfer, and the withdrawal date by the financial institution of this month was January 5, 2013 In this case, for example, in the management system 20, information “250105” is stored in the account transfer request date column 10022. For example, the information is sent from the customer system 30 via the network 10 to the financial institution column 8022 for account transfer of the corresponding category owner “123401001” in the category owner settlement management item column 8001, for example, financial It is transmitted to the institution system 203, and the financial institution 203 performs the account transfer process from the account number stored in the account number column 8023 of the corresponding category owner settlement management item column 8001. When the debit by the account transfer is completed, the management expenses and the like are transferred to the customer management association account shown in the customer account information 4017 shown in FIG. 4, and the result is, for example, the customer system 30 via the network 10. For example, if the date of withdrawal was January 5, 2013, the information “250105”, for example, is entered in the account transfer deposit date column 10023 of the corresponding category owner “1233401001”. Are stored by the customer system 30. Note that the information “250105” is information indicating the date, but if this field is blank, it may be determined that there was no payment by direct debit. Incidentally, Oite to a second embodiment of the present invention, trust maintenance date column 10028 of the corresponding segment owner of "123401001" may be left blank.

The contents of each column of the past claim collection time table 130 and the information stored in the past claim acceptance data table 140 have been described above. Specific processing contents will be described according to the past claim collection time table 130 below. In the condominium management association, for example, when the past debt collection is delegated to the advisory entity, the contractor 1311 with the advisory entity is consulted with the advisory entity. Oite to advice entity, if the contract mandatory 1331 result was judged according to the receivables processing mandatory column 14004, attorney for, both from the contract mandatory 1321 relates to a legal study contract with the apartment management union and creditors processing mandatory entity Tie. As described above, when the contract related to the collection of past claims becomes valid, the credit receivable processing entity requests legal examination 1332 from an attorney and the like, and the person who is delinquent in the condominium, through grasping the actual situation about the delinquency 1332 Do. If the delinquent repayment 1341 is made based on the actual condition 1332, for example, based on the information stored in the fee column 140010, the required expenses such as the agreed fee are reduced from the amount of the receivable 1333, and remittance is performed. The union receives 1312. If the delinquent does not respond to repayment according to the actual condition 1332, the credit receivable contracting entity requests a legal examination 1323 from a lawyer and the like, For example, a collective return or split repayment 1342 is presented. When the repayment plan is presented and the delinquent of the condominium repays 1343 including late damages, lawyer fees, etc., as in the case of repayment based on the actual condition 1332, for example, the late damages according to the information stored in the fee column 14010 The amount of money, lawyer expenses, etc. reduced 1333 is transferred, and the condominium management association receives 1312. Even if the contents of the repayment plan formulation 1334 are presented to the delinquent, if the repayment is not yet responded, the credit receivable contracting entity, for example, in accordance with the information stored in the legal procedure column 14011, the legal examination 1324 As well as proceeding with the examination 1335 of legal procedures for collecting past claims.

As described above, the processing details of the apartment management association and the credit processing acceptance business entity in the third embodiment have been described. Regarding the information on the delinquent, the past credit collection progress data table 150 shown in FIG. 15 will be described as follows. . The past bond collection progress data table 150 includes a customer code column 1501 for storing customer code information that is a target of the past bond collection progress data table 150, a content column 1502 for storing each category of the past bond collection progress data table 150, Non-payment category owner 1 column 15001, non-payment category owner 2 column 15002, non-payment category owner 3 column 15003, etc., and the content column 1502 stores non-payment category information. Categorized owner code field 15021 for storing a person code, unaccrued confirmed date field 15022 for storing a non-accrual date of the non-payment person, actual condition for storing a date of conducting an interview and understanding of the non-payment person The grasp date column 15023, the repayment plan presentation date column 15024 for storing the repayment plan presentation date, whether the return is batch or divided Return classification column 15025 for storing information about, legal proceedings column that stores information about the legal proceedings 15026, with a repayment column 15027 which stores the information about whether you etc. repayment already been, and also actual grasp date column 15023 Is configured to include a first implementation date column 150231, a second implementation date column 150232,... The past debt collection progress data table 150 is, for example, according to a program stored in the management apparatus DB 21, information calculated from related information by the management apparatus server 22, or past debt collection progress displayed on the display of the management output apparatus 23. In accordance with a data table setting screen (not shown), for example, information input by an operator from the keyboard of the management input device 24 of the management system 20 is managed by the management device server 22 according to a program stored in the management device DB 21. The data is stored on the DB 21. The past bond collection progress data table setting screen (not shown) has the same format as the past bond collection progress data table 150. Further, if necessary, a past debt collection progress data table display screen (not shown) according to the contents of the past debt collection progress data table 150 is displayed, for example, a management output device 23 of the management system 20 or a customer output of the customer system 30. It is displayed on the device 33. The past bond collection progress data table 150 may be input and stored in the memory on the customer system 30 side. The information input and stored on the management system 20 side may be transmitted to the customer system 30 side via the network 10, for example, and the information input and stored on the customer system 30 side may be transmitted to the management system 20 side. You can send it.

Next, the contents of various information stored in the past bond collection progress data table 150 are shown below. First, in the customer code column 1501, for example, if the customer code is 123400, information such as “past claim collection progress data table customer code: 123400” is stored in the category owner code column 15021 of the content column 1502, for example, “segment ownership. For example, information for “acquired date of accrual” in the field 15022 for unpaid confirmation date, for example, “date of accrual for actual condition” in the field for grasping actual condition 15023, For example, the repayment plan presentation date field 15024 contains information such as “repayment plan presentation date”, the repayment classification column 15025 contains information such as “repayment lump / split”, and the legal procedure column 15026 contains “legal”. The information “manual procedure” is stored in the repayment column 15027, for example, the information “repayment”. In addition, for example, the first implementation date column 150231 of the actual status date column 15023 has information “first”, for example, and the second implementation date column 150232 has information “second”, for example. In the following, each information is stored in the same manner. Next, regarding specific non-payment category owner information, the non-payment category owner 1 column 15001 in the category owner code column 15021 contains the customer non-payment category owner code shown in the customer code column 1501. Is 1234103001, for example, information “1234103001” is stored in the non-accrual date column 15022. If the non-accrual date of the delinquent is January 31, 2013, for example, “ 250131 ”in the first implementation date column 150231 of the actual status grasp date column 15023, the first interview actual grasp date of the delinquent is February 1, 2013. In this case, for example, the information “250201” is displayed in the second implementation date column 150232 for the second actual hearing grasp date for the delinquent. In the case of 15th, for example, the information “250215” is displayed in the repayment plan presentation date column 15024, for example, the date on which the repayment processing business entity presented the repayment plan to the delinquent. In the case of March 1, 2013, for example, information “250301” is stored. In addition, the non-payment category owner 2 column 15002 non-payment category owner 3 column 15003,..., Etc., as well as the non-payment category owner 1 column 15001, the repayment category column 15025 is a collective repayment after discussion on repayment. If the agreement is reached, for example, the information “collective” is displayed in the legal procedure column 15026, and if the legal procedure is executed, the information “execution” is displayed in the legal column 15026. If it has already been completed, for example, information “done” is stored. In addition, the details of the past claim acceptance data table 140 are based on the purchase target property data table 40 and the like.

Having described the information to be stored in the past debt collection progress data table 150, the information indicated in the past debt collection timetable 130, attorney column 132, advice entities, loans mandatory entity column 133, delinquent Corresponding to the processing after hearing actual condition grasping 1332 shown in the person column 134, it is stored in each item column of the delinquent in the past debt collection progress data table 150. Further, the past credit amount and the like related to the delinquent may be separately stored in a data table or the like (not shown) and may be aggregated for each customer. In particular, fees, delinquent damages, legal expenses, etc. may be aggregated by non-payee and by customer and reported to each.

In this way, in the third embodiment, even if nonpayment of nonpayment is confirmed, legal procedures are not performed immediately, but the cause of nonpayment is clarified according to the status of nonpayment. of about the payment of administrative expenses, etc., induced to pay future debts, in many cases along with the shows you that the loans repayment is possible, further loans mandatory entity, the repayment plan to the past receivables lawyers were investigated By showing, it leads to repayment of past debt. In some cases, even if it is necessary to repay the debt by auction, etc., it is sufficient to arrange for the residence after leaving the current residence in the repayment plan, etc. By responding, even if it leads to legal procedures, it will be possible to proceed with repayment more smoothly by building a trusting relationship with creditors. The correspondence to these non-payers may be managed by storing each information separately in a data table (not shown) as information related to the repayment classification column 15025 and the legal procedure column 15026, for example. Absent.

The present invention not only can provide an effective countermeasure against the arrears of administrative expenses of apartments, it is efficient line cormorants means cost recovery on real estate. Furthermore, the present invention can be widely applied not only to the industrial field related to the real estate but also to the retail industry where a fixed amount of monthly expenses is required to be collected for confirmation.

Claims (22)

Concerning settlement and nonpayment of expenses including administrative expenses for condominiums
A condominium management association or one with the same decision-making ability as a partnership, and the processing required to outsource the business and / or advice to the consignee regarding the settlement and delinquency has the same decision-making ability as the management association or the management association. Means for judging the condominium management association and / or the section owner as a subject of business consignment based on information which is performed by what has and is valid;
Means for storing information relating to the determination result as a first memory;
Means for receiving information related to settlement of expenses including condominium management costs from a financial institution or one having an equivalent business function according to the information stored as the determination result;
Means for storing information relating to the settlement as a second storage; The settlement means for expenses including the condominium management expenses are as follows:
Means for settlement by at least one of account transfer, credit card payment settlement, convenience store payment;
The payment arrears business management system according to claim 1, further comprising means for storing information relating to the payment means as a third storage. Means for transferring the cost including the condominium management cost related to the business consignment to a trust account of the financial institution or an equivalent business function;
In accordance with instructions from a lawyer or a qualified person concerning the law regarding the outsourcing, means for instructing trust maintenance after being transferred,
Means for canceling the trust with respect to the outsourcing;
Means for executing reimbursement for the condominium management association in parallel with the cancellation of the trust with respect to the business consignment;
And means for storing information on the results of the means for transferring to the trust account, the means for instructing the trust maintenance, the means for canceling the trust, and the means for executing the advance payment as a fourth storage. The payment arrears business management system according to claim 1 or 2, characterized in that: A means of grasping the delinquency status by category owner of the condominium management association;
Means for calculating the total amount of expenses including administrative costs in a certain period and the total amount delinquent in the certain period;
Means for calculating a fee determined from the total amount of expenses including administrative expenses for the certain period of time for the outsourcing;
Means for subtracting the fee from the total cost including the management fee for the fixed period for the business consignment as a payment amount to the apartment management association;
Means for billing the non-payers for expenses required for collecting non-payment for each non-payment related to the outsourcing;
Means for grasping the non-payment status, means for calculating the total amount of expenses including management costs and the total amount of non-payments during the fixed period, means for calculating a fee determined from the total amount of expenses including the management costs, and Results of means for making the amount of payment to the condominium management association an amount obtained by subtracting the above fee from the total amount of expenses including management costs, and means for requesting the delinquents for the cost required for collecting non-payment for each delinquent The payment arrears business management system according to any one of claims 1 to 3, further comprising means for storing information relating to a fifth storage. Means for presenting to the condominium management union that commissioned the advisory the expenses required for collecting the non-payment of the expenses including the administrative expenses with respect to the advisory commission;
5. The information storage device according to claim 1, further comprising means for storing, as a sixth memory, information relating to a result of the means presented to the condominium management association entrusted with the advice. Payment settlement business management system. Means for grasping the actual condition of a person who is delinquent in costs including the management fee;
Means for formulating and presenting a repayment plan to the delinquent;
6. The information processing apparatus according to claim 1, further comprising: means for storing, as a seventh memory, information relating to a means for grasping the actual condition of the delinquent and a means for formulating and presenting a repayment plan. Payment nonpayment business management system according to item 1. Means for carrying out a legal procedure for settlement of the delinquent;
Means for grasping the repayment status by means of performing the legal procedure;
7. The information processing apparatus according to claim 1, further comprising: means for storing, as an eighth memory, information relating to the means for performing the legal procedure and the means for grasping the repayment status. Settlement business management system. Concerning settlement and nonpayment of expenses including administrative expenses for condominiums
A condominium management association or one with the same decision-making ability as a partnership, and the processing required to outsource the business and / or advice to the consignee regarding the settlement and delinquency has the same decision-making ability as the management association or the management association. Means for judging the condominium management association and / or the section owner as a subject of business consignment based on information which is performed by what has and is valid;
Means for storing information relating to the determination result as a first memory;
Means for receiving information related to settlement of expenses including condominium management costs from a financial institution or one having an equivalent business function according to the information stored as the determination result;
A program for a settlement arrears business management system, which causes a computer to operate means for storing information relating to the settlement as a second storage. The settlement means for expenses including the condominium management expenses are as follows:
Means for settlement by at least one of account transfer, credit card payment settlement, convenience store payment;
The non-payment-payment task management system program according to claim 8, further causing a computer to operate a means for storing information relating to the settlement means as a third storage. Means for transferring the cost including the condominium management cost related to the business consignment to a trust account of the financial institution or an equivalent business function;
In accordance with instructions from a lawyer or a qualified person concerning the law regarding the outsourcing, means for instructing trust maintenance after being transferred,
Means for canceling the trust with respect to the outsourcing;
Means for executing reimbursement for the condominium management association in parallel with the cancellation of the trust with respect to the business consignment;
A means for causing the computer to further operate: means for transferring to the trust account; means for instructing the trust maintenance; means for canceling the trust; and means for storing the result of the means for executing the advance payment as a fourth storage. 10. The non-payment transaction management system program according to claim 8 or 9, A means of grasping the delinquency status by category owner of the condominium management association;
Means for calculating the total amount of expenses including administrative costs in a certain period and the total amount delinquent in the certain period;
Means for calculating a fee determined from the total amount of expenses including administrative expenses for the certain period of time for the outsourcing;
Means for subtracting the fee from the total cost including the management fee for the fixed period for the business consignment as a payment amount to the apartment management association;
Means for billing the non-payers for expenses required for collecting non-payment for each non-payment related to the outsourcing;
Means for grasping the non-payment status, means for calculating the total amount of expenses including management costs and the total amount of non-payments during the fixed period, means for calculating a fee determined from the total amount of expenses including the management costs, and And a means for storing, as a fifth memory, information relating to a result of a means for deducting the above fee from the total amount of expenses including management costs as a payment amount to the condominium management association, and causing the computer to further operate The non-payment transaction management system program according to any one of claims 8 to 10. Means for presenting the expenses required for collecting the non-payment to the condominium management association that has been commissioned to advise;
12. The computer according to claim 8, further comprising means for storing, as a sixth memory, information relating to a result of the means presented to the condominium management association entrusted with the advice. The nonpayment business management system program described in the section. Means for grasping the actual condition of a person who is delinquent in costs including the management fee;
Means for formulating and presenting a repayment plan to the delinquent;
13. The computer according to claim 8, further comprising: means for storing, as a seventh memory, information relating to a means for grasping the actual condition of the delinquent and a means for formulating and presenting a repayment plan. The nonpayment transaction management system program according to any one of the preceding items. Means for carrying out a legal procedure for settlement of the delinquent;
Means for grasping the repayment status by means of performing the legal procedure;
14. The computer according to claim 8, further comprising: a computer that further stores, as an eighth storage, information relating to the means for performing the legal procedure and the means for grasping the repayment status. Program of the settlement default business management system described. Concerning settlement and nonpayment of expenses including administrative expenses for condominiums
A condominium management association or one with the same decision-making ability as a partnership, and the processing required to outsource the business and / or advice to the consignee regarding the settlement and delinquency has the same decision-making ability as the management association or the management association. Based on the information that is carried out by what it has and shows that it is valid, the condominium management association and / or the section owner is judged as the object of business consignment,
Storing information on the determination result as a first memory;
In accordance with the information stored as a result of the determination, information on settlement of expenses including condominium management expenses is received from a financial institution or one having an equivalent business function,
A method for controlling a payment arrears business management system comprising storing information relating to the payment as a second storage. Settlement of expenses including condominium management expenses
Settle by at least one of direct debit, credit card payment, convenience store payment,
The method according to claim 15, further comprising: storing information relating to the settlement as a third storage. Transfer the expenses including the condominium management costs related to the business consignment to the trust account of the financial institution or those having an equivalent business function,
In accordance with instructions from a lawyer or legally qualified person regarding the outsourcing, instruct the trust maintenance after being transferred,
Cancel the trust for the outsourcing,
Concurrently with the cancellation of the trust with respect to the business consignment, reimbursement to the condominium management association,
16. The method according to claim 15, further comprising: storing, in a fourth storage, information related to a result of executing transfer and trust maintenance, canceling the trust, and executing the advance payment in the trust account. Or the control method of the payment arrears business management system of 16 description. Understand the status of delinquency by category owner of the condominium management association,
Calculate the total amount of expenses including administrative costs for a certain period and the total amount delinquent for that period,
Calculate a fee determined from the total amount of expenses including administrative expenses for the fixed period for the outsourcing,
With respect to the business consignment, the total amount of expenses including the management fee for the certain period, and the amount obtained by subtracting the fee as the amount to be paid to the condominium management association,
Charge the non-payment person for the non-payment collection for each non-payment related to the outsourcing,
The means for grasping the status of non-payment, the means for calculating the total amount of expenses including the administrative costs and the total amount of non-payments in the fixed period, the result of calculating the fee determined from the total amount of costs including the administrative costs, The amount obtained by subtracting the above fee from the total cost including the management fee is the amount paid to the condominium management association and information on the result of charging the nonpayment to the nonpayment for each nonpayer. 18. The method for controlling a settlement arrears business management system according to any one of claims 15 to 17, further comprising: storing as a storage of. Present the expenses required for collecting the non-payment of expenses including management expenses for the above-mentioned advice commission to the condominium management association that commissioned the commission,
The payment arrears according to any one of claims 15, 16, and 18, further comprising storing information on a result presented to the condominium management association entrusted with the advice as a sixth memory. Control method of business management system. Understand the actual situation of those who are delinquent for expenses including the management fee,
Develop and present a repayment plan to the delinquent
20. The information storage device according to claim 15, further comprising: storing, as a seventh memory, information related to a result of grasping the actual condition of the delinquent and a result of formulating and presenting a repayment plan. The control method of the nonpayment transaction management system described in the paragraph. Perform legal procedures for settlement of the delinquent,
Understand the repayment status of the legal procedure,
The settlement according to any one of claims 15 to 20, further comprising storing, as an eighth memory, information on a result of performing the legal procedure and a result of grasping a repayment status. Non-payment management system control method.   A recording medium on which the program according to any one of claims 8 to 14 is mounted.

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