JP2011002941A - Debt-workout business proxy system, refund support system, debt-workout business proxy method, and refund support method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a debt-workout business proxy system that allows efficiently performing debt-workout business by debt recalculation and associated business, a refund support system, a debt-workout business proxy method, and a refund support method.SOLUTION: The debt-workout business proxy system includes: a reception means for receiving, from a multifunctional machine, transaction history image information generated as the complex machine reads a transaction history book; an OCR process means for extracting character information indicating the content of a transaction history from the transaction history image information through an OCR process, and generating transaction history information including the character information; a debt recalculation means for recalculating debt as to the content of the transaction history shown by the character information included in the transaction history information, and generating debt recalculation result information showing the result of the debt recalculation; and a sending means for sending the debt recalculation result information to the multifunctional machine.

Description

  The present invention relates to a debt adjustment business agency system, a repayment support system, a debt adjustment business agency method, and a repayment support method, and more particularly, to a technology that performs a debt adjustment business on behalf of redemption.

  In recent years, lawyers' offices and judicial scrivener offices have increased the number of debt reduction projects for redrawing interest at the request of creditors. However, on the other hand, since the recalculation calculation requires a lot of work time, there is a problem that the debt reconciliation work by redrawing takes a lot of time. For this reason, there is a growing need for lawyer offices and judicial scrivener offices to act on behalf of debt consolidation work by redrawing calculations, etc., so that debt refining work can be done efficiently. In addition, no technology corresponding to such needs is disclosed.

As described in the background art, there is a problem that there is an increasing need to have the debt adjustment work by redemption performed on behalf and to efficiently perform the debt adjustment work by redemption.
In view of such problems, an object of the present invention is to provide a debt consolidation agency service system, a repayment assistance system, a debt consolidation agency service method, and a repayment assistance system that enable efficient debt consolidation work by redrawing and associated services. It is to provide a method.

  According to a first aspect of the present invention, there is provided a debt consolidation agency service system comprising: a receiving means for receiving, from a multifunction device, transaction history image information generated by the multifunction device reading a transaction history document; and OCR (from the transaction history image information). Optical character recognition) extracts character information indicating transaction history contents, generates OCR processing means for generating transaction history information including the character information, and transaction history contents indicated by the character information included in the transaction history information. A re-calculation means for performing re-calculation and generating re-calculation calculation result information indicating the re-calculation calculation result and a transmission means for transmitting the re-calculation calculation result information to the multi-function peripheral are provided.

  The repayment support system according to the second aspect of the present invention receives the repayment plan information indicating the repayment date and the repayment amount of the debtor's debt, and the bank is provided with the repayment status information indicating the repayment status of the debt. Based on the repayment plan information and the repayment plan information, the e-mail notifying the repayment deadline and the repayment amount is sent to the debtor information processing device, and based on the repayment status information, And an e-mail transmitting means for transmitting an e-mail for prompting repayment to the debtor information processing apparatus.

  According to a third aspect of the present invention, there is provided a debt consolidation agency service method in which a multifunction peripheral reads a transaction history and generates transaction history image information, and performs transaction by OCR (Optical Character Recognition) processing from the transaction history image information. Extracting character information indicating the history content, generating transaction history information including the character information, performing a recalculation calculation on the transaction history content indicated by the character information included in the transaction history information, and performing the recalculation calculation The method includes a step of generating redrawing calculation result information indicating a result, and a step of printing the redrawing calculation result by the multifunction peripheral based on the redrawing calculation result information.

  In the repayment support method according to the fourth aspect of the present invention, based on repayment plan information indicating the repayment date and the repayment amount of the debtor's debt, it is determined whether or not the repayment date and the repayment amount are notified. A step of sending an e-mail notifying the repayment deadline and the repayment amount to the information processing apparatus of the debtor when it is determined that it is time to notify the repayment deadline and the repayment amount; Determining whether the debtor has not repaid the repayment amount by the repayment deadline based on repayment status information indicating the repayment status of the debt, and the repayment amount by the debtor by the repayment deadline And a step of transmitting an e-mail prompting the repayment to the information processing apparatus of the debtor when it is determined that there has been no repayment.

  According to each aspect described above, it is possible to provide a debt consolidation business agency system, a repayment support system, a debt consolidation business agency method, and a repayment assistance method that enable efficient debt consolidation work by redrawing and business associated therewith.

It is a figure showing a schematic structure of a debt arrangement business agency system concerning an embodiment of the invention. It is a block diagram which shows the hardware structural example of the debt adjustment business agent system concerning embodiment of this invention. It is a flowchart which shows the recalculation calculation process of the debt arrangement | working agency agency concerning embodiment of this invention. It is a flowchart which shows the repayment assistance process of the debt arrangement | working agency agency concerning embodiment of this invention.

First, with reference to FIG. 1, the structure of the debt adjustment business agent system concerning embodiment of this invention is demonstrated. FIG. 1 is a diagram showing a configuration of a debt adjustment business agent system according to an embodiment of the present invention.
The debt consolidation business agency system 1 includes a business integrated management system 10, an interview support system 11, a linkage control system 12, a recalculation calculation system 13, and a repayment support system 14. Further, the lawyer office or the judicial scrivener office 2 (hereinafter referred to as “office”) includes a multifunction device 20 that supports the cooperative control system.

  The business integrated management system 10 is a system on which groupware for the office 2 operates. The staff of the office 2 uses the groupware that operates in the integrated business management system 10 to manage schedules for registering, referencing, and updating schedules, and for project management to register, refer to, and update requested debt consolidation projects. In addition, it is possible to perform fee management for registering, referencing and updating fees for debt consolidation projects and repayment progress management for registering, referencing and updating the repayment status of repayments in debt consolidation projects.

  In the interview support system 11, the debtor 7 who is a consultant uses a mobile phone 70 or a personal computer 71 (hereinafter referred to as “PC”) while the debtor 7 looks at the face of a lawyer or judicial scrivener in the office 2. Or, it is a system in which both the debtor 7 and the lawyer or judicial scrivener can consult about debt consolidation while looking at the other person's face. The interview support system 11 enables the debtor 7 to communicate with a lawyer or judicial scrivener by voice and video, and to share materials. You can also record the contents of the consultation.

  The cooperation control system 12 receives the transaction history image file encrypted and transmitted from the office 2 in cooperation with the multifunction device 20 compatible with the cooperation control system, decrypts the received transaction history image file, and recalculates the calculation system. 13 to send. Further, the cooperation control system 12 encrypts the redraw calculation result file transmitted from the redraw calculation system 13 and transmits the encrypted redraw calculation result file to the multifunction machine 20 compatible with the cooperation control system.

The redraw calculation system 13 is a system that executes redraw calculation based on the transaction history image file received from the cooperation control system 12. Further, the redraw calculation system 13 creates a redraw calculation result file, and transmits the created redraw calculation result file to the cooperation control system 12.
The repayment support system 14 is a system that supports the debtor 7 to perform repayment to the financial institutions 4, 5 and 6 through the bank 3 based on the repayment plan registered from the office 2. The repayment support system 14 is a system for notifying the debtor 7 of the repayment amount and the repayment deadline, and notifying the debtor 7 who has not paid the repayment money by the repayment deadline.

  The multifunction device 20 compatible with the cooperation control system scans the transaction resume, encrypts the transaction history image file scanned and digitized, and transmits it to the cooperation control system 12. Further, the multifunction device 20 corresponding to the cooperation control system prints the recalculation calculation result based on the recalculation calculation result file received from the cooperation control system 12.

  Then, with reference to FIG. 2, the structure of the debt arrangement | positioning business agency system concerning embodiment of this invention is demonstrated. FIG. 2 is a block diagram showing an example of a hardware configuration of the debt adjustment business agency system according to the exemplary embodiment of the present invention.

The business integrated management system 10 includes a business integrated management server 100 that provides the functions of the business integrated management system 10 described above. The business integration management server 100 can communicate with the repayment support server 140 and the PCs 23, 24, and 25 by any communication means.
The interview support system 11 includes an interview support server 110 that provides the functions of the interview support system 11 described above. The interview support system 11 can communicate with the mobile phone 21 and the PC 22, the mobile phone 70 and the PC 71 by any communication means.

The cooperation control system 12 includes a cooperation control server 120 that provides the functions of the cooperation control system 12 described above. The cooperation control server 120 can communicate with the cooperation control system compatible MFP 20 and the recalculation calculation server 130 by any communication means.
The redemption calculation system 13 includes a redemption calculation server 130 that provides the functions of the above-described redemption calculation system 13 and PCs 131, 132, and 133 that calibrate transaction history data. The redrawing server 130 can communicate with the cooperation control system compatible multifunction peripheral 20, the cooperation control server 120, and the PCs 131, 132, and 133 by any communication means.

The repayment support system 14 includes a repayment support server 140 that provides the functions of the repayment support system 14 described above. The repayment support server 140 can communicate with the business integration management server 100, the server 30, the mobile phone 70, and the PC 71 by any communication means.
The arbitrary communication means described above is, for example, the Internet, an intranet, a telephone line network, and the like, and any communication means may be used as long as each device described above can perform communication.

Next, a description will be given of processing of the debt adjustment business agency according to the exemplary embodiment of the present invention.
First, a description will be given of an interview process for a debt consolidation service agent according to an embodiment of the present invention.

  First, a lawyer or a judicial scrivener connects to the interview support server 110 from the mobile phone 21 or the PC 22 when interviewing the debtor 7. The cellular phone 21 transmits the video of the lawyer or judicial scrivener photographed by the camera and the collected voice data to the interview support server 110. The PC 22 is connected to a web camera (not shown) and a microphone (not shown), and transmits to the interview support server 110 video of the lawyer or judicial scrivener photographed thereby and collected voice data. In addition, the interview support server 110 transmits the data transmitted from the mobile phone 21 or the PC 22 to the mobile phone 70 or the PC 71. As a result, the debtor 7 can have an interview with the attorney or the judicial scrivener by watching or listening to the video or audio of the attorney or the judicial scrivener reproduced by the mobile phone 70 or the PC 71 that has received the data.

  The debtor 7 who consults with a lawyer or judicial scrivener connects to the interview support server 110 from the mobile phone 70 or the PC 71. The mobile phone 70 transmits the video of the debtor 7 photographed by the camera and the collected voice data to the interview support server 110. The PC 71 is connected to a web camera (not shown) and a microphone (not shown), and transmits the video of the debtor 7 photographed and the collected voice data to the interview support server 110. In addition, the interview support server 110 transmits the data transmitted from the mobile phone 70 or the PC 71 to the mobile phone 21 or the PC 22. Thereby, the lawyer or the judicial scrivener can have an interview with the debtor 7 by watching or listening to the video and audio of the debtor 7 reproduced by the mobile phone 21 or the PC 22 that has received the data.

  In addition, by having the interview via the interview support server 110 in this way, the interview support server 110 records video / audio data exchanged between the debtor 7 and a lawyer or judicial scrivener. It can be stored in any storage device (not shown) of the interview support server 110 and left as evidence. Here, the arbitrary storage device is, for example, an HDD (Hard Disk Drive), a nonvolatile memory, or the like, and may be any storage device.

  In addition, by conducting the interview via the interview support server 110 in this way, by storing the data of the material to be shared in the interview support server 110, the interview support server 110 transmits the data to the mobile phone. 21, PC22, mobile phone 70 or PC71, and by using these devices to display materials based on this data, debtors 7 and lawyers or judicial scriveners share materials and conduct interviews. be able to.

These processes are performed, for example, by operating software of a client server format that enables these processes in the mobile phone 21, the PC 22, the mobile phone 70, the PC 71, and the interview support server 110. For example, software such as Microsoft NetMeeting (registered trademark).
In addition, if the mobile phones 21 and 70 are of a model that does not support videophones and the video of the debtor 7, lawyer or judicial scrivener cannot be transmitted while making a call, only audio is transmitted.

  Next, with reference to FIG. 3, the recalculation calculation process of the debt adjustment service agent according to the embodiment of the present invention will be described. FIG. 3 is a flowchart showing the recalculation calculation processing of the debt adjustment agent agency according to the embodiment of the present invention.

  First, when office 2 receives a request for debt consolidation by redrawing from debtor 7 who consulted with a lawyer or judicial scrivener through an interview, office 2 staff controls the transaction resume of the debt consolidation project in a coordinated manner. The transaction history is read by scanning by the system compatible multifunction device 20 (S200). The multifunction device 20 corresponding to the cooperation control system creates a transaction history image file obtained by digitizing the transaction history by this reading. Then, the MFP 20 for cooperation control system encrypts the transaction history image file to prevent information leakage and transmits it to the cooperation control server 120 (S201). Here, the transaction history image file is an image file of an arbitrary format such as BMP (Bitmap), TIFF (Tagged Image File Format), or JPEG (Joint Photographic Experts Group). In the present embodiment, a PDF (Portable Document Format) file is also included in the image file.

At this time, the multifunction device 20 compatible with the cooperation control system also transmits the order form file to the cooperation control server 120. Here, the order form file may be created as an image file by reading the order form by the multifunction device 20 associated with the cooperative control system, or the office 2 as a file of an arbitrary format such as a document file or an image file. You may make it acquire via the network of the office 2 what the staff of no. Created.
Further, the transaction history image file and the purchase order file may be transmitted by any protocol such as transmission by HTTP (HyperText Transfer Protocol) protocol or transmission attached to an e-mail.

When the cooperation control server 120 receives the transaction history image file and the order form file from the multifunction device 20 compatible with the cooperation control system, the cooperation control server 120 decrypts the transaction history image file (S210). Next, the cooperation control server 120 analyzes the decrypted transaction history image file and detects a portion where personal information is described. Here, the detection of personal information may be performed by an arbitrary image technique such as detection by pattern matching. Next, the cooperation control server 120 performs image processing for deleting the detected personal information by masking it for privacy protection (S211).
Then, the cooperation control server 120 redraws the transaction history image file and the order form file from which the personal information has been deleted, and transmits it to the calculation server 130.

When the recalculation calculation server 130 receives the transaction history image file and the order form file with the personal information masked from the cooperation control server 120, the recalculation calculation server 130 stores these files in an arbitrary storage device (not shown) included in the recalculation calculation server 130.
Next, the recalculation calculation server 130 assigns a receipt number corresponding to the order form file, and creates a receipt file with the assigned receipt number (S220). Here, the receipt file may be created as a file of an arbitrary format.

  Next, the recalculation calculation server 130 transmits the created receipt file to the multifunction device 20 corresponding to the cooperation control system using an arbitrary protocol (S221). Then, the multifunction peripheral 20 compatible with the cooperative control system prints a receipt based on the receipt file received from the recalculation calculation server 130 (S202). The staff of the office 2 can know that the order for redrawing the transaction history has been received by this receipt.

  Next, the redraw calculation server 130 extracts character information such as characters and numerical values used for redraw calculation by OCR (Optical Character Recognition) processing, which is included in the transaction history image file and recognizes characters, A transaction history file including the extracted character information is created and stored in the storage device (S222). In other words, the transaction history file is a file that enables recognition and editing of characters and numerical values necessary for redemption calculation such as the date indicating the contents of the transaction history, the borrowing amount, and the repayment amount.

  Next, the worker accesses the transaction history file and the transaction history image file that are retrieved from the PCs 131, 132, and 133 and stored in the calculation server 130, and calibrates the transaction history file (S223). Specifically, the worker checks the transaction history file against the transaction history image file to check whether there is a different portion. If there is a different part, the operator inputs a correct character or numerical value based on the transaction history image file from an input device (not shown) such as a mouse or a keyboard of the PC 131, 132, 133, and the corresponding part. To correct. In this way, correction can be performed even if wrong character recognition is performed by OCR processing. When the proofreading of the transaction history file is completed, the operator redraws from the PCs 131, 132, and 133 and registers that fact in the calculation server 130.

When the re-calculation calculation server 130 registers that the calibration is completed from the PCs 131, 132, and 133, the re-calculation calculation server 130 performs a re-calculation calculation based on the transaction history file for which the calibration is completed (S224). Then, the redraw calculation server 130 creates a redraw calculation result file indicating the redraw calculation result and stores it in the storage device. Here, the recalculation calculation file may be created as a file of an arbitrary format.
Next, the recalculation calculation server 130 transmits the recalculation calculation result file to the cooperation control server 120 (S225).

When the coordination control server 120 receives the recalculation calculation result file from the recalculation calculation server 130, the coordination control server 120 encrypts the received recalculation calculation result file to prevent information leakage, and uses the arbitrary protocol for the multifunction device 20 compatible with the coordination control system. (S212).
Upon receiving the redraw calculation result file from the cooperation control server 120, the multifunction device 20 compatible with the cooperation control system prints the redraw calculation result based on the received redraw calculation result file (S203).
Further, the recalculation calculation server 130 sends the recalculation calculation result file to the cooperative control system compatible multifunction device periodically or in response to an inquiry (S204) by an operation of a staff member of the office 2 from the cooperative control system compatible multifunction device 20. 20 may be transmitted (S225).
In this way, a staff member of the office 2 can obtain a recalculation calculation result only by scanning the transaction resume with the multifunction device 20 compatible with the cooperative control system.

  Next, with reference to FIG. 4, the repayment support processing for the debt consolidation service agent according to the embodiment of the present invention will be described. FIG. 4 is a flowchart showing the repayment support processing for the debt consolidation service agent according to the embodiment of the present invention.

The lawyer or judicial scrivener of the office 2 looks at the recalculation calculation result printed by the multifunction device 20 corresponding to the cooperative control system, and makes a repayment plan if the debtor 7 has a debt. Then, the lawyer or the judicial scrivener of the office 2 transmits the repayment plan data indicating the repayment plan prepared from the PCs 23, 24, and 25 to the business integration management server 100 by an arbitrary protocol and registers them. Here, the repayment plan data is stored in an arbitrary storage device (not shown) included in the business integration management server 100 by groupware operating in the business integration management server 100. As a result, a lawyer or a judicial scrivener can refer to / update the repayment plan from the PCs 23, 24, and 25 using the groupware. The repayment plan data may be transmitted to the business integration management server 100 as a file of an arbitrary format, or may be transmitted to the business integration management server 100 as packet data.
In addition, the business integration management server 100 transmits the repayment plan data to the repayment support server 140.

The repayment support server 140 stores the repayment plan data received from the business integration management server 100 in an arbitrary storage device (not shown) that the repayment support server 140 has.
Next, the repayment support server 140 periodically checks whether or not it is time to notify the repayment amount and the repayment time limit based on the repayment plan data (S310). Here, the notification time may be set to an arbitrary time, for example, when a predetermined number of days until the due date is reached.
When it is time to notify the repayment amount and the repayment date, the repayment support server 140 transmits an e-mail notifying the repayment amount and the repayment date to the mobile phone 70 or the PC 71 of the debtor 7 (S311). Then, the debtor 7 can recognize the repayment amount and the repayment time limit by referring to the e-mail received from the repayment support server 140 by the mobile phone 70 or the PC 71 (S320). As a result, the debtor 7 can be urged to repay the financial institutions 4, 5, 6 through the bank 3.

  The repayment support server 140 receives repayment status data indicating the repayment status of the debtor 7 from the server 30 of the bank 3 periodically or in response to an operation (S330). Here, the repayment status data may be any information as long as the debtor 7 can determine whether the repayment amount has not been repaid by the due date. For example, it may be information indicating a transfer history from the debtor 7 to the bank 3, or may be information indicating that the repayment amount has not been transferred from the debtor 7 by the due date. In addition, when the bank 3 has a PC as a terminal device instead of the server 30 and the repayment amount has not been transferred from the debtor 7 until the repayment deadline, the repayment support server 140 receives the repayment status data from the PC. You may make it transmit to.

Next, the repayment support server 140 determines whether or not the debtor 7 has not transferred the repayment amount to the bank 3 by the repayment deadline based on the repayment status data (S312).
When the debtor 7 does not transfer the repayment amount to the bank 3 by the due date, the repayment support server 140 transmits an email for repayment to the mobile phone 70 or the PC 71 of the debtor 7 (S313). The debtor 7 can recognize that the repayment amount has not been repaid by the due date by referring to the e-mail received from the repayment support server 140 by the mobile phone 70 or the PC 71 (S321). As a result, the debtor 7 can be urged to repay the financial institutions 4, 5, 6 through the bank 3.
On the other hand, when the debtor 7 has transferred the repayment amount to the bank 3 by the repayment deadline, the process of step S314 is performed.

Next, the repayment support server 140 determines whether repayment of the debtor 7 is completed based on the repayment plan data (S314). This determination is made by recording the repayment status of the debtor 7 in the repayment plan data, for example, by receiving information indicating that the repayment amount of the debtor 7 has been transferred from the server 30. Judgment can be made by doing so.
If the repayment has been completed, the repayment support server 140 ends the repayment support process for the case corresponding to the repayment plan data.
If the repayment has not been completed, the repayment support server 140 performs the repayment support process from step S310 again.

  As described above, according to the present embodiment, the transaction history scanned by the multifunction device is acquired from the multifunction device, the recalculation calculation is executed based on the acquired transaction history, and the recalculation calculation result Is returned to the multifunction device, and the recalculation calculation result can be output by the multifunction device. As a result, lawyers' offices and judicial scriveners offices can scan the transaction resumes handled in the debt consolidation work by redrawing and obtain the recalculation calculation results simply by scanning them. There is no need to perform a recalculation calculation that would require a lot of work time in debt consolidation work. Therefore, it is possible to efficiently perform debt consolidation work by redrawing.

  In addition, according to the present embodiment, transaction history acquisition, redraw calculation is performed, and redraw calculation results are automatically returned, and only the calibration by the transaction history file before and after the ORC processing is performed by the operator. Therefore, it is possible to provide a calculation result by redrawing promptly. In addition, since it has a function to correct the information in the transaction history file by this calibration, even if wrong character recognition is performed by OCR processing, it performs a recalculation calculation based on the accurate transaction history can do.

  Further, according to the present embodiment, the interviewer support system allows the debtor and the lawyer or judicial scrivener to conduct the interview via the mobile phone or the PC. The debtor can consult with the other party without going to the other party. Therefore, it is possible to efficiently perform debt consolidation work by redrawing.

  In addition, according to the present embodiment, the repayment support system can notify the repayment amount and deadline and the reminder notification based on the repayment plan planned by the lawyer or judicial scrivener. It is possible to repay the debtor. For this reason, it is possible to efficiently carry out debt consolidation work such as notice of repayment amount and deadline, reminder notice, etc. performed by lawyers' offices, judicial scrivener offices, financial institutions, etc., or work incidental thereto. In addition, this makes it possible to prevent the debtor from paying repayment delays and continuing the unpaid state.

Note that the present invention is not limited to the above-described embodiment, and can be modified as appropriate without departing from the spirit of the present invention.
For example, the hardware configuration of the debt consolidation agency service system described in the present embodiment is not limited to that illustrated in the present embodiment. The number or type of information processing apparatuses such as PCs or servers provided in the interview support system, the linkage control system, the recalculation calculation system, the repayment support system, etc. may be arbitrarily determined. The number or type of information processing devices such as mobile phones and PCs owned by lawyers' offices, judicial scrivener offices, or debtors are not limited to those exemplified in this embodiment.

In this embodiment, a receipt file is created in the recalculation calculation system and transmitted to the multifunction device compatible with the cooperative control system. However, a file is created in the cooperative control system and the multifunction device compatible with the cooperative control system. You may make it transmit to.
In this embodiment, the repayment plan data is transmitted to the repayment support system via the business integrated management system. However, the repayment plan data may be transmitted directly to the repayment support system.

  Further, the status of the recalculation calculation result requested by a lawyer office or judicial scrivener office staff may be inquired from the multifunction peripheral. For example, in response to an operation from a staff member, the display panel provided in the multifunction device acquires information indicating the status of the redrawing status, such as whether the redrawing calculation system is redrawing or the redrawing calculation is complete. You may make it display on display apparatuses, such as.

  Note that the information processing apparatuses such as the business integration management server 100, the interview support server 110, the cooperation control server 120, the correction calculation server 130, and the repayment support server 140 that are included in the debt consolidation business agency system in the present embodiment are described above. Even if not particularly exemplified in the above, a storage device such as a CPU (Central Processing Unit), a ROM (Read Only Memory), a RAM (Random Access Memory) or an HDD, an input device such as a mouse or a keyboard, if necessary , Hardware such as CRT (Cathode Ray Tube), PDP (Plasma Display Panel), LCD (Liquid Crystal Display) or organic EL (Electro Luminescence), etc., OS (Operation System) program and application program The function of the debt consolidation agency service system is developed by deploying on the RAM and executing these programs by the CPU. Realize.

  The debt consolidation agency service system according to the present invention described above supplies a storage medium storing a program for realizing the functions of the above-described embodiments to the system or apparatus, and the computer or CPU, MPU ( It can be configured by the Micro Processing Unit) executing this program.

  In addition, this program can be stored in various types of storage media and can be transmitted via a communication medium. Here, examples of the storage medium include a flexible disk, a hard disk, a magnetic disk, a magneto-optical disk, a CD-ROM (Compact Disc Read Only Memory), a DVD (Digital Versatile Disc), and a BD (Blu-ray (registered trademark) Disc. ), ROM cartridge, RAM with battery backup, memory cartridge, flash memory cartridge, and nonvolatile RAM cartridge. The communication medium includes a wired communication medium such as a telephone line and a wireless communication medium such as a microwave line. Further, the above-described program can be transmitted via the Internet.

  Further, when the computer executes the program that realizes the functions of the above-described embodiment, not only the functions of the above-described embodiment are realized, but also the computer is operating on the basis of the instructions of this program. The case where the functions of the above-described embodiment are realized in cooperation with the OS or application software is also included in the embodiment of the invention.

  Further, when the functions of the above-described embodiment are realized by performing all or part of the processing of the program by a function expansion board inserted into the computer or a function expansion unit connected to the computer, the present invention may be implemented. It is included in the form.

1 Debt consolidation service agency system 2 Lawyer office or judicial scrivener office 3 Bank 4 Non-bank 5 Card company 6 Other financial institution 7 Debtor 10 Business integrated management system 11 Interview support system 12 Cooperation control system 13 Recalculation calculation system 14 Repayment support System 20 Cooperative control system compatible multifunction device 21, 70 Mobile phone 22, 23, 24, 25, 71, 131, 132, 133 PC
30 server 90 repayment plan data 100 business integrated management server 110 interview support server 120 cooperation control server 130 redraw calculation server 140 repayment support server

Claims (6)

Receiving means for receiving transaction history image information generated by the multifunction device reading the transaction resume from the multifunction device;
OCR processing means for extracting character information indicating transaction history contents by OCR (Optical Character Recognition) processing from the transaction history image information, and generating transaction history information including the character information;
Redraw calculation means for performing redraw calculation on the transaction history content indicated by the character information included in the transaction history information, and generating redraw calculation result information indicating the redraw calculation result;
A debt consolidation agency service system, comprising: a transmission unit configured to transmit the recalculation calculation result information to the multifunction peripheral.   2. The debt management agency system according to claim 1, further comprising a correction unit that receives correction character information for correcting the transaction history information and corrects the transaction history information based on the correction character information. Debt consolidation agency service system. The multi-function device encrypts the transaction history image information and sends it to the debt consolidation agency service system,
The debt consolidation agency service system includes decryption means for decrypting transaction history image information received from the multifunction device,
3. The debt management service agent system according to claim 1, further comprising an encryption unit that encrypts the recalculation calculation information to be transmitted to the multifunction device. Receiving means for receiving repayment plan information indicating the repayment deadline and repayment amount of the debtor's debt, and receiving repayment status information indicating the repayment status of the debt from the information processing device provided in the bank;
Based on the repayment plan information, an e-mail notifying the repayment deadline and the repayment amount is transmitted to the debtor's information processing apparatus, and an e-mail prompting repayment is sent based on the repayment status information. A repayment support system comprising an e-mail transmission means for transmitting to a person's information processing apparatus. A step in which the MFP reads a transaction resume and generates transaction history image information;
Extracting character information indicating transaction history contents by OCR (Optical Character Recognition) processing from the transaction history image information, and generating transaction history information including the character information;
Redrawing calculation for transaction history contents indicated by the character information included in the transaction history information, and generating redrawing calculation result information indicating the redrawing calculation result;
A debt consolidation agency service method comprising: a step of printing the recalculation calculation result by the multifunction peripheral based on the recalculation calculation result information. Determining whether or not it is time to notify the repayment date and the repayment amount based on the repayment plan information indicating the repayment date and the repayment amount of the debtor's debt;
When it is determined that it is time to notify the repayment deadline and the repayment amount, sending an e-mail notifying the repayment deadline and the repayment amount to the debtor information processing device;
Based on repayment status information indicating the repayment status of the debtor's debt, determining whether the repayment amount has not been repaid by the debtor by the due date;
A repayment support method comprising a step of transmitting an e-mail prompting repayment to the information processing apparatus of the debtor when it is determined that the repayment amount has not been repaid by the debtor by the repayment deadline.