JP2003122921A - Job assignment management system and method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a job assignment management system and a method thereof which can divide members according to kinds of their credit, and assign the members to adequate communicators, when a financial institution or the like collects an arrear credit from their members. SOLUTION: The job assignment management system comprises an arrears member database 70 which makes a list of the arrears members by corresponding a member who is a debtor to the information of the member's credit, a communicator database 80 which makes a communicator list by corresponding a communicator to a job record of the communicator who takes on the task of the job, a call list database 90 which selects a communicator from the communicator list who can be linked with a debtor according to a kind of the credit, and makes a call list by corresponding the debtor to the communicator, and a communication server 30 which communicates with the communicator through a communication line.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a business allocation management system and method, for example, a system and method applicable to business by an operator of a call center when a financial institution urges members to pay. Regarding

[0002]

2. Description of the Related Art Conventionally, early collection of past due loans has been one of the important tasks for financial institutions. In the payment reminder service, first, a reminder letter is mailed to members who are overdue, and the call center or other operator (communicator) refers to the in-house database to make a reminder by telephone negotiation. There is. This communicator generally requires a certain amount of training and experience such as database search, including the operation of a personal computer (personal computer). For this,
Since the number of people is limited, it is necessary to plan the entire work in advance and carry out it efficiently. In the dunning work by such a communicator, the degree of difficulty thereof varies greatly depending on the overdue circumstances of the target member, and in addition, the overdue circumstances of individual members vary widely depending on the payment form.

[0003] Further, the communicator is required to smoothly negotiate in consideration of the actual situation such as whether to call the member's home or to work. For this,
In general, the work ability (skill) of a communicator also generally differs depending on actual experience. Therefore, while carefully considering the overdue circumstances for each member, the communicator in charge is carefully selected to assign specific tasks. That is, it is necessary for the manager of the call center or the like to spend some time on such preparation work so that the communicator's work division is matched with the circumstances of all members. In addition, the members in charge of each communicator are put together in a single call list, and in order to make them fully known to each communicator, for example, it is handed over at the start of work.

[0004]

However, the above-mentioned conventional techniques have the following problems. (1) The manager considers the placement of communicators while associating various judgment factors with each other, and creates a call list for the number of people according to the work plan of the day. For such preparation work that is busy and time-consuming, it was necessary to build a computer system that could automatically use an in-house database. (2) Skills of communicators differ depending on work experience. For this reason, the administrator must be able to grasp the actual situation for each communicator one by one and also consider the overall personnel composition, which makes it difficult to assign appropriate tasks to all communicators. (3) The degree of difficulty of such dunning work varies greatly depending on the overdue circumstances of the members, and the overdue circumstances vary widely depending on the content of the claims. For this reason, it was difficult to judge the difficulty level of the communicator while fully understanding the substance of the reminder task and flexibly create an appropriate call list for each communicator.

The present invention has been made in view of the above circumstances, and when a financial institution or the like collects an overdue loan of a member, the member can be sorted according to the content of the loan and can be assigned to an appropriate communicator. An object is to provide a business allocation management system and method.

[0006]

In order to achieve the above object, a business allocation management system according to claim 1 of the present invention comprises:
It is a business allocation management system that allocates dunning work to a debtor to an appropriate person in case of collection of a debt that is overdue. A delinquent member database that is organized into a list, a communicator database that organizes information about the business history of the communicator who is in charge of business into a communicator list in association with the communicator list, and the credit details on the delinquent member list and the communicator list on the communicator list. A call list database that extracts the communicators associated with the members of the loan content from the communicator list by determining the business history by type and quantitatively, and organizes the members into a call list in association with the communicator, and To members of the call list, characterized in that it has a communication management server to perform the communication to the communicator via the communication line.

In the invention of claim 1, when the information about the content of the bond is introduced into the delinquent member database,
A wide variety of credit content judgment factors are immediately organized into a membership list in a format that corresponds to the membership. When information about the work history of the communicator is introduced into the communicator database, the skills that differ for each communicator are immediately organized in the communicator list in a format corresponding to the communicator. As a result, the overdue status is information about members, and the actual situation of each communicator is communicated to each other.
Related on the system. Then, if the administrator of the call center, for example, registers the judgment conditions by type and quantitatively based on the work plan of the day, etc., in the call list formation step, the members of the loan content based on the judgment conditions are in the delinquent member list. Also, the communicator is determined on the communicator list. As a result, members are automatically extracted in a short time based on, for example, the degree of difficulty of dunning work, and each is assigned to a communicator having an appropriate skill and organized into a call list. Also, based on this call list, the communication management server sets communication with the member for each communicator. Therefore, the administrator can set the division of duties of the communicator on the system in consideration of, for example, the total personnel composition, and can easily and promptly correct it in accordance with the actual situation such as the movement of the communicator.

The business allocation management system according to claim 2 is
The business assignment management system according to claim 1, wherein the call list database organizes members into a call list in association with a communicator group having at least one communicator.

According to the second aspect of the present invention, a practical call list is organized for each communicator group including communicators having similar work histories.

The business allocation management system according to claim 3 is
In the business allocation management system according to claim 1, a delinquent member list is searched for a member on the call list,
It is characterized by having a reminder terminal that displays the content of the bond to the communicator.

According to the third aspect of the invention, the search and display by the dunning terminal are automatically performed. For this reason, the contents of the bond are referred to by the communicator while simplifying a series of business procedures.

The business allocation management system according to claim 4 is
The business assignment management system according to claim 1, characterized in that the call list database quantitatively determines the business history with a predetermined value in the business history as a boundary.

In the fourth aspect of the invention, the administrator can set the determination condition as a relatively simple boundary value. In addition, communicator skills are classified by easy-to-understand criteria.

The business allocation management method according to claim 5 is a business allocation management method for allocating a reminder operation to a debtor to an appropriate person in the case of collecting a debt that has been delayed, for a member who is the debtor. , A communicator list that composes information on loan contents into a delinquent member list by correlating with the member and a communicator list that correlates information about the business history of the communicator who is in charge of business with the communicator A communicator associated with the member of the claim content is extracted from the communicator list by quantitatively determining the composition step and the content of the claim on the delinquent member list and the business history on the communicator list, and the member Correspond to the communicator A call list knitting step for knitting the call list, to members on the call list, characterized in that it has a communication management step to perform communication communicators through a communication line.

In the invention according to claim 5, when the information about the credit details is introduced in the delinquent member list compilation step, a wide variety of judgment factors of the credit details are immediately organized in the member list in a form corresponding to the members. It In addition, when information about the work history of the communicator is introduced in the communicator list organization step, skills that differ for each communicator are immediately organized in the communicator list in a format corresponding to the communicator. As a result, the overdue status is related to information about members, and the actual situation of each communicator is related to each other on the system. Then, if the administrator of the call center, for example, registers the judgment conditions by type and quantitatively based on the work plan of the day, etc., in the call list formation step, the members of the loan content based on the judgment conditions are in the delinquent member list. Also, the communicator is determined on the communicator list. As a result, members are automatically extracted in a short time based on, for example, the degree of difficulty of dunning work, and each is assigned to a communicator having an appropriate skill and organized into a call list. In addition, communication with the member is set for each communicator in the communication management step based on this call list. Therefore, the administrator can set the division of duties of the communicator on the system in consideration of, for example, the total personnel composition, and can easily and promptly correct it in accordance with the actual situation such as the movement of the communicator.

The business allocation management method according to claim 6 is the business allocation management method according to claim 5, wherein the call list organization step organizes members into a call list in association with a communicator group having at least one communicator. Is characterized by

In a sixth aspect of the invention, a practical call list is organized for each communicator group consisting of communicators having similar work histories.

The business allocation management method according to claim 7 is the business allocation management method according to claim 5, wherein the delinquent member list is searched for a member on the call list and the content of the bond is displayed to the communicator. It is characterized by having steps.

In the seventh aspect of the invention, the search and display are automatically performed in the dunning step. For this reason, the contents of the bond are referred to by the communicator while simplifying a series of business procedures.

The business allocation management method according to claim 8 is the business allocation management method according to claim 5, wherein the call list organization step quantitatively determines the business history with a predetermined value in the business history as a boundary. It is characterized by

According to the present invention of claim 8, the administrator can set the determination condition as a relatively simple boundary value. In addition, communicator skills can be classified by easy-to-understand criteria.

A program according to claim 9 is a program according to claims 5 to 5.
A program for causing a computer to execute the method according to any one of 8 above.

In the invention of claim 9, claim 5
A computer can be made to execute the method described in any one of to 8.

A recording medium according to a tenth aspect is a recording medium according to the fifth aspect.
A computer-readable recording medium on which a program for causing a computer to execute the method described in any one of 8) is recorded.

In a tenth aspect of the present invention, a computer can execute the method according to any of the fifth to eighth aspects.

[0026]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a diagram illustrating a schematic configuration of a business allocation management system according to this embodiment. This system has a business allocation management server 10 suitable for demanding business for debt collection, and is provided in a call center of a financial institution or the like. The business allocation management server 10 includes an administrator server 20a for operation management of the present system, and a plurality of business terminals (dunning terminals) 20b, 20b, etc., where a communicator as a special operator provides various telephone services. And a communication server (communication management server) 30 for connecting each business terminal 20b to the communication line 40 are connected to the business allocation management server 10 via a local area network LAN of the financial institution or the like. Examples of the local area network LAN include intranets and extranets of financial institutions and the like constructed for computer communication. As a result, the communication server 30 can be connected to the head office management system 50 provided in the headquarters of a financial institution or the like, and the communication server 30 can be used, for example, via the public line (communication line) 40, the home telephone of the member, the fixed telephone of the workplace, the mobile telephone of the destination, etc. It is configured to be connectable with.

The head office management system 50 has a database group 60 accumulating personal information, credit information, information regarding settlement status, etc. of all registered members. In addition, the business allocation management server 10 includes a delinquent member database 70 that stores personal information of members to be reminded, a communicator database 80 that stores the business history of communicators, and a call list database that stores call lists. 90 and. In the overdue member database 70, the personal information of the member and the like are divided and collectively downloaded from the database group 60 of the head office management system 50. However, in each database, each business terminal 20 may be individually acquired as needed within the allowable load of the server.

In the administrator server 20a, a predetermined determination condition 29 is set in advance so that the administrator of the call center can properly operate this system in light of a predetermined business plan. For example, at the beginning of the year, on a monthly basis, on a regular basis such as before the start of work every day, or irregularly due to organizational changes or personnel increase / decrease, the judgment condition 29 is input from an attached management terminal (not shown) and a predetermined table is entered. Can be set to. As such tables, there are a classification condition table 29a shown in FIG. 2A and a level condition table 29b shown in FIG. Classification condition table 29a
Is a table in which the administrator classifies the credit contents of members into types according to the classification of payment conditions and the assortment of financial products, and associates each with the business history of the communicator. For example, set a rule that the communicator needs the experience of loan business as the business history when the type of high-value loan that indicates the maximum amount is due to the loan of the member or the loan only. There is. Similarly, the communicator must have experience in cashing for cashing members, and the experience in shopping must be required for shopping. This is because loan, cashing, and shopping require specific procedures, explanations to members, etc., and specific knowledge and experience for that purpose must be acquired through training. is there.

The level condition table 29b is a table in which the administrator divides the credit contents of members into levels (quantitatively) according to the business plan definition and collection know-how, and associates each with the business history of the communicator. For example, if the difficulty of collection work for a particular bond is relatively difficult depending on the specific situation, the communicator requires a relatively high level of work experience as a skill level. It is set. For example, as the difficulty factor A for estimating the difficulty level of collection work, if the number of overdue members is only 1 or 2 within a predetermined period, the level level of the difficulty level is 1 point, and if it is 3 to 5 times, 2 points. , 6
It is considered as 3 points at least once. Also, as another difficulty element B,
1 point if the member's deposit rate is 90% or more for that claim, 5
If 0 to 89%, it is considered 2 points, and if 49% or less, it is considered 3 points. Then, when the total score of these total levels is 4 or more, it is "relatively difficult", and when it is 3 or less, it is "easy". As the deposit rate, for example, the ratio of the deposit amount to the total amount of claims can be obtained. Also,
To estimate the proficiency level of a communicator, for example,
The skill level is “relatively high (skilled)” if the number of years of experience in that type of work has reached 3 years or more, or if there is a track record of handling projects with medium-term or long-term delays. And less than 3 years is “low” (only experienced). This is because mid- to long-term delays require special procedures and experience, and there may be practically difficult recovery operations due to multiple debts, for example. Similarly, if the work is estimated to be “easy” from the situation of the member, the skill level may be “low”.

Next, an example of the flow chart shown in FIG. 3 and FIGS.
An example of the display screen shown in FIG. 1 will be described with reference to the system configuration diagram shown in FIG. In this method, at least one business terminal 20 is set in a standby state in advance by a predetermined operation of the communicator, as shown in FIG.
For example, when the communicator performs a login operation from the business terminal 20 using the employee number or the like, as shown in FIG. 4, the business menu of the communicator is operated on the menu screen 21, and the operation buttons and the like necessary for performing each business are operated. It is displayed on the screen 22. When the communicator performs a predetermined operation on the menu screen 21 and the operation screen 22, the business terminal 20b executes step ST21 for starting business management by telephone. As a result, the communicator can have a telephone conversation with the member by using the headset or the like provided in the business terminal 20.

First, on the menu screen 21, a work selecting step ST22 for causing the communicator to select a work is executed. In this task selection step ST22, when an unspecified member receives a call voluntarily, the communicator performs a step ST23 of inquiring from the member and performing other various service tasks by using a predetermined operation button or the like. . In this service business, if the content of the response is registered in the business terminal 20b by a predetermined operation,
For example, each member's identification information is registered as a negotiation history and business management is terminated. In addition, work selection step ST2
When the collection of debts to the member is selected in 2 (payment reminder), a totalized determination step ST24 for performing an inquiry process to the above-mentioned head office management system 50 is executed. In this totaled determination step ST24, for example, it is inspected whether or not the settlement contents of the member are updated based on the business plan of the day. At this time, if the normal completion of the update process or the like is reported, the step of compiling the overdue member list 71 (delinquent member list compiling step) ST24a is executed.
In this step ST24a, the information on the overdue members is downloaded from the database group 60 of the head office management system 50 to form an overdue member list 71, and this is stored in the overdue member database 70.

In the overdue member list 71, as shown in FIG. 5, the personal information of the member is acquired from the member attribute database 60a of the database group 60 and the bond content is acquired from the bond information database 60b. The personal information of the member includes identification information (for example, a member number) and a communication destination (for example, a telephone number), and details of the bond (type of bond 72,
Corresponding to the degree of overdue 73, etc.), these are formed in a table format in which each member is listed. As the type 72 of the bond, for example, an overdue amount (generally, a payment balance) and a breakdown amount for each payment method (loan, cashing, shopping) are registered. At this time, “0” is registered in the item having no breakdown amount as no balance. Further, the degree of overdue 73 includes, for example, the number of overdue members and the deposit rate described above. For example, the membership number "4980-0000-0000-000.
Member of "0" is telephone number "03-0000-0000"
have. The overdue amount of "10,000 yen" is delayed only for the loan, the number of overdue amounts is "6", and the deposit rate up to the present is "45%". "4980-0000-2222-2222"
Members are "15,000 yen", "5,000 yen", "10,000 yen" for all loans, cashing and shopping.
"00 yen" is delayed by "9 times" and only "30%" is deposited. In addition, in order to make it easier for the communicator to identify the member as the individual, the full name of the member may be added and displayed.

After the processing of step ST24a is completed, or when normal completion is not yet reported in the above-mentioned totalized determination step ST24, the arranged determination step ST2 is inquired to the communicator database 80.
Go to 5. In this arrangement completion determination step ST25, it is inspected whether or not there has been a change in the personnel arrangement of the communicator at that time. At this time, if the normal completion of the rearrangement process or the like is reported, the step of composing the processing content in the communicator list 81 (communicator list composition step) ST25a is executed.
In this step ST25a, the information about the business history of the communicator is downloaded from the database group 60 of the head office management system 50 described above, and is organized in the communicator list 81 for each communicator and stored in the communicator database 80.

In the communicator list 81, as shown in FIG. 6, personal information and work history of employees are acquired and registered from the employee attribute database 60c of the database group 60. Personal information of an employee consists of identification information (for example, employee number) and simple display (for example, surname), and this is listed for each employee in association with its business history (years of experience in loans, cashing, shopping). It is formed in an updated table format. At this time, “0” is registered as the number of years for items that have not been engaged in each work. For example, the communicator with the employee number “11-1111” can operate the business terminal 20b with the easy-to-understand last name “Suzuki”. In addition, until now, I have had 1.5 years of experience in loan business,
"5" years for cashing, "4.5" for shopping
Have a year. In the case of communicators who have experienced two or more jobs, one worker will be the main member and the other one will be the reserve worker based on the superiority condition of the jobs.
As a result, all the communicators are grouped into each business, and their corresponding relationships are backed up in the communicator database 80.

After the processing of step ST25a is completed, or when normal completion has not yet been reported in the above-mentioned arrangement determination step ST25, step ST26 of assigning the communicator business for each type of bond, and then the communicator Step ST27 of allocating the work according to the degree of overdue is executed (call list organization step). In step ST26 of these, the information on the above-mentioned classification conditions is downloaded from the administrator server 20a, and the contents of the claim of the member are judged based on this and organized into a provisional list. For example, “498 shown in FIG.
In the case of a member of "0-0000-2222-2222", a loan of "15,000 yen", which is the highest amount among loans, cashing, and shopping, is first demanded as a high-value loan.

Further, in step ST27, information regarding the level condition is downloaded from the administrator server 20a, the degree of overdue is quantitatively judged based on this, and the call list 91 is organized, and the call list database 90 is backed up. To do. For example, in the case of the member “4980-0000-2222-2222” shown in FIG. 5, a communicator for loan business is required because a large amount of loans is a loan. Furthermore, the number of overdue times is “9”
From the deposit rate of “30%”, the total level becomes 6 points, and it is estimated that the difficulty level belongs to the “relatively difficult” task. In addition, when the communicators for loan business should be classified according to skill level, the communicator (Suzuki) shown in Fig. 6 has experience in handling medium- to long-term projects, and therefore "highly skilled" for loan business. It is estimated that there is "degree". On the other hand, the communicator (Tanaka) has "1.0" years experience only in the loan business.
For this reason, the communicator (Suzuki) can be included in the communicator group who is skilled in loan, but the communicator (Tanaka) can be included in the communicator group who has only experienced the loan.

In the call list 91, as shown in FIG. 7, the correspondence relationship for each communicator group is acquired from the communicator database 80 and registered. This correspondence has, for example, the employee number and surname of the communicator, the device address of the business terminal 20b, and the like. Also, the member numbers and telephone numbers of the corresponding members are acquired from the overdue member database 70 and registered, and these are formed in a table format listing for each communicator group.

As a result, a step (dunning step, communication management step) ST28 for causing the communicator on the call list 91 to negotiate with the member is executed.
In step ST28, the organized call list is displayed as a call list window 25 at the bottom of the menu screen 21 of the relevant business terminal 20b. For this reason, if the communicator specifies a member on the call list by operating the mouse, etc., the loan contents, the degree of delinquency, personal information, credit information, etc., of the delinquent member database 70 and the head office management system 50 are displayed. The database group 60 is searched. Then, these are displayed as a member information window 23 at the bottom of the operation screen 22, and if necessary, the past negotiation history up to that time is retrieved and displayed at the bottom of the menu screen 21 as a negotiation history window 24. In addition, the communication server 30 starts communication with the member by the designated member's telephone number in accordance with the predetermined operation of the communicator. The communicator
After a series of negotiations, and finally, the business terminal 20b registers the above-mentioned negotiation history and the like, a predetermined post-processing is performed, and then the business management by this method ends.

[0039]

As described above, according to the first aspect of the present invention.
According to the business allocation management system described, when a financial institution, etc. collects overdue loans of members, the difficulty level of the dunning work associated with the collection of loans is quantitatively determined by type and adjusted according to the skill level of the communicator. We are negotiating with members. Therefore, it is possible to allocate individual business according to the credit contents of the members and allocate each to an appropriate communicator.

According to the business allocation management system of the second aspect, the same effect as that of the first aspect can be obtained, and a practical call list is organized for each communicator group.

According to the business allocation management system of claim 3, not only the same effect as that of claim 1 can be obtained, but also the series of business procedures is simplified and the content of the bond is automatically communicator. Referred to.

According to the business assignment management system of the fourth aspect, the same effect as that of the first aspect can be obtained, and the administrator sets the judgment condition of the communicator by an easily understandable standard. can do.

According to the business allocation management method of claim 5, when the financial institution collects the delinquent loans of the members, the communicator determines quantitatively the difficulty level of the dunning work associated with the collection of the loans, and We negotiate with members according to their skill level. Therefore, it is possible to allocate individual business according to the credit contents of the members and allocate each to an appropriate communicator.

According to the business allocation management method of the sixth aspect, the same effect as that of the fifth aspect can be obtained, and a practical call list is organized for each communicator group.

According to the business allocation management method of claim 7, not only the same effect as that of claim 5 can be obtained, but also the series of business procedures is simplified and the contents of the bond are automatically communicated by the communicator. Referred to.

According to the business allocation management method of the eighth aspect, the same effect as that of the fifth aspect can be obtained, and the administrator sets the judgment condition of the communicator by an easily understandable standard. can do.

According to the program described in claim 9, the method according to any one of claims 5 to 8 can be executed by a computer.

According to the program of claim 10, the method according to any one of claims 5 to 8 can be executed by a computer.

[Brief description of drawings]

FIG. 1 illustrates an example of a business allocation management system according to the present embodiment, and is a diagram illustrating a schematic configuration of the system.

FIG. 2 is a diagram for explaining an example of a business determination condition.

FIG. 3 is an example of a flowchart showing a process example of a business allocation management method according to an embodiment of the present invention.

FIG. 4 is a diagram showing an example of a display screen on the business terminal.

FIG. 5 is a diagram illustrating an example of an overdue member list.

FIG. 6 is a diagram illustrating an example of a communicator list of the same.

FIG. 7 is a diagram illustrating an example of a call list.

[Explanation of symbols]

10 Business allocation management server 20a Administrator server 20b Business terminal 29 Judgment condition 30 communication server (communication management server) 40 telephone lines (communication lines) 50 Headquarters management system 60 databases 70 Overdue Member Database 80 Communicator Database 90 Call List Database LAN local area network

Continued front page    (72) Inventor Masayuki Yamaguchi             Osaka Prefecture Osaka City Nishi Ward Shinmachi 1-5-8 Stock Association             Company Japan Research Institute (72) Inventor Naoko Iida             Osaka Prefecture Osaka City Nishi Ward Shinmachi 1-5-8 Stock Association             Company Japan Research Institute (72) Inventor Yukihiro Okada             Osaka Prefecture Osaka City Nishi Ward Shinmachi 1-5-8 Stock Association             Company Japan Research Institute (72) Inventor Chikako Asahara             Osaka Prefecture Osaka City Nishi Ward Shinmachi 1-5-8 Stock Association             Company Japan Research Institute (72) Inventor Masahiro Nakai             4-5-15 Imabashi, Chuo-ku, Osaka City, Osaka Prefecture             Sumitomo Mitsui Card Co., Ltd.

Claims (10)

[Claims] [Claim 1] A business allocation management system for allocating, to an appropriate person in charge, a reminder operation for a debtor when collecting a debt that has been delayed. A delinquent member database that is associated with the delinquent member list, a communicator database that organizes information about the business history of the communicator who is the person in charge of the job into a communicator list in association with the communicator, and the credit content on the delinquent member list and By determining the business history on the communicator list by type and quantitatively, the communicator associated with the member of the loan content is extracted from the communicator list,
It has a call list database that organizes the call list in association with the members with the communicator, and a communication management server that allows the communicator to communicate with the members on the call list via a communication line. Characteristic business allocation management system. 2. The business allocation management system according to claim 1, wherein the call list database organizes members into a call list in association with a communicator group having at least one communicator. Management system. 3. The business allocation management system according to claim 1, further comprising a dunning terminal that searches a delinquent member list for members on the call list and displays the contents of the bond on a communicator. Business allocation management system. 4. The business allocation management system according to claim 1, wherein the call list database quantitatively determines the business history with a predetermined value in the business history as a boundary. 5. A business allocation management method for allocating a reminder operation to a debtor to an appropriate person in the case of collecting a debt that has been delayed. A delinquent member list forming step for correspondingly forming an overdue member list, and a communicator list forming step for forming information on the work history of the communicator who is in charge of the work in a communicator list in association with the communicator, and on the delinquent member list By categorically and quantitatively determining the credit content of and the business history on the communicator list, the communicator associated with the member of the credit content is extracted from the communicator list,
A call list forming step of forming a call list corresponding to the members with the communicator, and a communication managing step of causing the communicator to communicate with the members on the call list via a communication line. Business allocation management method characterized by. 6. The business allocation management method according to claim 5, wherein the call list organization step organizes members into a call list in association with a communicator group having at least one communicator. Allocation management method. 7. The business allocation management method according to claim 5, further comprising a dunning step of searching a delinquent member list for members on the call list and displaying the content of the bond to the communicator. Business allocation management method. 8. The business allocation management method according to claim 5, wherein the call list organization step quantitatively determines the business history with a predetermined value in the business history as a boundary. . 9. A program for causing a computer to execute the method according to claim 5. 10. A computer-readable recording medium on which a program for causing a computer to execute the method according to claim 5 is recorded.