JP2015079337A - System for suppressing generation of bad debts - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for suppressing generation of bad debts that prevents generation of bad debts for use charges of office equipment installed in a company or the like.SOLUTION: A system for suppressing generation of bad debts includes: a credit information storage unit for storing credit information; an uncollected debt specification processing unit for specifying whether an uncollected debt has been generated, on the basis of the credit information storage unit; a validity information storage unit for storing information indicating validity of electronic certificate information; validity information update processing unit for updating the electronic certificate information stored in the validity information storage unit to information indicating non-validity of the electronic certificate information, on the basis of uncollected debt information specified by the uncollected debt specification processing unit; and a validity confirmation processing unit for changing a use propriety state of office equipment by receiving a confirmation request for the validity of the electronic certificate information to be stored in the office equipment and referring to the validity information storage unit in order to return an answer regarding the validity of the electronic certificate information.

Description

  The present invention relates to a non-performing loan generation deterrence system for preventing generation of non-performing loans for use fees of office equipment installed in companies and the like.

  Various corporations and individuals such as corporations and organizations (hereinafter referred to as “corporations etc.”) use various office equipments in order to carry out their duties. And instead of buying office equipment directly, they often lease or rent. In this case, the user of the office equipment pays a usage fee to the owner. Regarding usage fees, a billing device is attached to the office equipment, and billing is performed when the office equipment is used. There is. As conventional examples using the former method, there are the following Patent Documents 1 to 3.

Japanese Patent Laying-Open No. 2005-222212 JP 2006-74334 A JP 2007-47853 A

  If the former method is used, the owner of the office equipment can reliably collect the fee. However, installation, maintenance, and collection work for the billing device are required. Therefore, in recent years, the latter method is often used.

  In the case of the latter method, the above operation becomes unnecessary. However, due to postpayment in a given billing cycle, there is a possibility that unpaid will occur. Therefore, it is necessary to manage receivables for usage fees. In the past, office equipment owners managed the amount of usage and usage fees (credits) for each office equipment user and, if unpaid, collected them individually.

  In the case of office equipment, for example, a copy machine, a usage fee is incurred for each copy. For this reason, if accrued receivables are incurred, the user's use of office equipment must be stopped as soon as possible, and there is a high possibility that the receivables will become nonperforming. Therefore, it is desirable to stop using office equipment as soon as possible, but it has been difficult to do so in the past.

  In view of the above problems, the present inventors have invented the non-performing loan generation deterring system of the present invention.

  A first invention is a non-performing loan generation deterring system that suppresses the generation of non-performing loans for the usage fee of office equipment, the non-performing loan generation deterring system comprising a receivable information storage unit that stores receivable information, and the receivable information Based on the storage unit, a receivable receivable identification processing unit for identifying whether a receivable receivable has occurred, a validity information storage unit for storing information indicating the validity of the electronic certificate information, and the receivable receivable identification processing unit A validity information update processing unit that updates the electronic certificate information stored in the validity information storage unit to information indicating that it is not valid based on the specified receivables information, and an electronic certificate stored in the office device A request for confirming the validity of the certificate information is received, and by referring to the validity information storage unit, the electronic certificate information returns a reply about validity, thereby changing the availability state of the office equipment. A validation processing unit, a bad debt occurs deterrent system with.

  According to the present invention, when accrued receivables occur, the use of office equipment can be stopped immediately. As a result, it is possible to deter the receivables from becoming non-performing.

  In the above-mentioned invention, the validity of the electronic certificate information is indicated based on any one or more of an accrued amount, an uncollected period, and the number of delays in the accrued receivable information as information indicating the validity of the electronic certificate information. The information can be set in a stepwise manner, and the validity information update processing unit stores the validity information in the validity information storage unit according to any one or more of the accrued amount, the uncollected period, and the number of delays in the accrued loan information. The information indicating the validity of the electronic certificate information to be stored is updated, and the validity check processing unit is responsive to the information indicating the validity of the electronic certificate information stored in the validity information storage unit. By returning a response to the confirmation request for the electronic certificate information, the office device can be configured as a non-performing loan generation suppression system that executes a control process corresponding to the response.

  There are various types of receivables. Therefore, it is desirable to be able to change the usage status of office equipment according to the contents.

  The first invention can also be realized by configuring as in the present invention. That is, a non-performing loan generation deterrence system that suppresses the generation of non-performing loans for the usage fee of office equipment, wherein the non-performing loan generation deterrence system is configured to store electronic certificate information stored in the office equipment based on information on receivables. When the information indicating the validity of the electronic certificate information is updated to information indicating that the electronic certificate information is not valid and a request for confirming the validity of the electronic certificate information stored in the office device is received, the information indicating the validity of the electronic certificate information The non-performing loan generation deterrent system is configured to change the availability status of the office equipment when the information indicating that it is not valid is stored.

  Even when configured as in the present invention, the same technical effect as in the first invention can be obtained.

  The first invention can be realized by causing a computer to read the program of the present invention. That is, based on the claim information storage unit that stores the claim information, the computer is based on the claim information processing unit that specifies whether or not the claim has been generated, A validity information update processing unit for updating the electronic certificate information stored in the validity information storage unit to information indicating that the electronic certificate information is not valid, accepting a request for checking the validity of the electronic certificate information stored in the office device, and A program for inhibiting bad loan occurrence that functions as an validity confirmation processing section that changes the availability status of the office equipment by referring to the validity information storage section and returning a reply about the validity of the electronic certificate information. It can be constituted as follows.

  The second invention can be realized by causing a computer to read the program of the present invention. That is, the computer updates the information indicating the validity of the electronic certificate information stored in the office device to information indicating that the electronic certificate information is not valid, and stores the electronic certificate stored in the office device based on the receivable information. When the information validity check request is received, the information indicating the validity of the electronic certificate information is confirmed, and if the information indicating that the electronic certificate information is not valid is stored, the availability state of the office device is changed. It can be configured as a non-performing loan program.

  By using the non-performing loan generation suppression system of the present invention, the use of office equipment can be stopped immediately. For this reason, it is possible to prevent the receivables from expanding and becoming non-performing loans.

It is a conceptual diagram of an example of the system configuration | structure of the bad loan generation | occurrence | production suppression system of this invention. It is a figure which shows typically an example of the hardware constitutions of the computer used with the bad loan generation | occurrence | production suppression system of this invention. It is a flowchart which shows typically the process to an electronic certificate in the bad loan generation | occurrence | production suppression system of this invention. It is a flowchart which shows typically the process of an office equipment in the bad loan generation | occurrence | production suppression system of this invention. It is a figure which shows an example of a bond information storage part typically. It is a figure which shows an example of an effectiveness information storage part typically. It is a figure which shows typically an example of the effectiveness information storage part in which the information which shows invalidity was partially stored.

  The conceptual diagram of an example of the system configuration | structure of the bad loan generation | occurrence | production suppression system 1 of this invention is shown in FIG. The non-performing loan generation deterrent system 1 includes information indicating the validity of the receivable management system 2 for managing a usage fee (receivable) when the office equipment 4 is used by a company and the electronic certificate information 40. And a certificate center system 3 to be managed. Each company has an office device 4 that stores electronic certificate information 40 for each company. The office equipment 4 means information equipment used for business execution. For example, a copy machine, a facsimile machine, a printer or a combination machine thereof, a personal computer, a notebook computer, a portable communication terminal such as a tablet terminal or a mobile phone, and the like are included.

  The bond management system 2 and the certificate center system 3 in the non-performing loan generation suppression system 1 are realized by various computers such as a server, a personal computer, and a portable communication terminal equipped with a touch panel display device. FIG. 2 shows an example of the hardware configuration of the computer. The non-performing loan generation suppression system 1 includes an arithmetic device such as a CPU that executes arithmetic processing of a program, a storage device such as a RAM and a hard disk for storing information, a display device such as a display, a keyboard and a pointing device (mouse and numeric keypad). And the like, and a communication device that transmits and receives processing results of the arithmetic device and information stored in the storage device via a network such as the Internet or a LAN.

  Although FIG. 1 shows a case where the bond management system 2 and the certificate center system 3 are each realized by a single computer, the functions may be distributed and realized by a plurality of computers. Further, the credit management system 2 and the certificate center system 3 may be realized by a single computer.

  Each means in the present invention is only logically distinguished in function, and may be physically or virtually the same area.

  The credit management system 2 is a system for managing credit information of a company or the like that uses the office equipment 4, and includes a credit information reception processing unit 20, a credit information storage unit 21, and a receivables specific processing unit 22.

  The bond information reception processing unit 20 receives input of bond information for each company. Receivable information includes information such as the amount of receivables generated, the amount of receivables collected, and the date. The receipt information input may be information received by the person in charge in the claim management system 2 or may be automatically received from the office equipment 4 or the like via the network. In the latter case, information such as date of use, amount of money used, amount used, etc. is automatically totaled by the office equipment 4 and sent to the claim management system 2 via the network as claim information. The credit information acceptance processing unit 20 accepts it. Moreover, you may receive the information which shows that payment was performed with respect to the receivable from the computer system (not shown) of a financial institution.

  The bond information storage unit 21 stores the bond information received by the bond information reception processing unit 20. FIG. 5 shows an example of the bond information storage unit 21. In the bond information storage unit 21, in addition to bond information (use amount, amount used, use date) associated with the company identification information for identifying the company, etc., the unpaid amount calculated based on the deposit information, the unpaid period, Information such as the number of delays may be stored, but is not limited thereto. That is, it is only necessary to be able to ascertain whether or not there is an accrued amount for each company.

  The receivable receivable identification processing unit 22 identifies whether a receivable receivable has occurred at each company by referring to the receivable information storage unit 21 at a predetermined timing. The identification information and the receivable information such as the receivable amount are passed to the certificate center system 3. Whether or not there is a receivable is determined by determining whether or not the receivable amount stored in the receivable information storage unit 21 is larger than 0 yen.

  The certificate center system 3 manages information indicating the validity of the electronic certificate information 40 issued to each office device 4, company, etc. or each department, and the like. The receivables information reception processing unit 31, the validity information update processing unit 32, and the validity confirmation processing unit 33 are included.

  The validity information storage unit 30 stores information indicating the validity of the electronic certificate information 40. The validity information storage unit 30 stores, for example, company identification information and information indicating whether the electronic certificate information 40 is valid. FIG. 6 schematically shows an example of the validity information storage unit 30. In addition, an accrued amount, an accrued period, the number of past delays, electronic certificate information 40, and the like may be stored.

  The receivables information reception processing unit 31 receives receivables information from the receivable management system 2.

  The validity information update processing unit 32 updates information indicating the validity of the electronic certificate information 40 stored in the validity information storage unit 30 based on the accrued receivable information received by the receivable receivable information reception processing unit 31. For example, the company that has received the receivable information is identified from the identification information of the company in the receivable information, and the information indicating the validity is updated to use restriction, suspension, invalidity, etc. In addition, if the information on receivables includes information such as the amount receivable, the period of receivable, and the number of delays, the information is updated.

  When the validity information update processing unit 32 updates the information indicating the validity of the electronic certificate information 40, it is invalidated even if an accrued credit is generated even once. It is better to divide it into multiple effects such as pause, invalid, etc. Temporary suspension is information indicating that it will become valid again when the account receivable is canceled, and invalid is information indicating that it will not be effective again even if the account receivable is canceled, such as cancellation of a contract. Whether it is suspended or invalidated may be determined and updated according to the amount of uncollected money, the uncollected period, the number of delays, and the like. For example, if there is an accrued amount but it is less than a certain amount, it is restricted or suspended, and if it exceeds a certain amount, it is suspended or invalidated. In addition, if the non-accrual period is less than a certain period, the usage is restricted or suspended. Furthermore, if the number of delays is less than a certain number of times, the usage is restricted or paused. In addition, it is possible to distinguish between usage restriction, suspension, and invalidity by setting conditions in consideration of a plurality of uncollected amounts, uncollected periods, number of delays, and the like.

  In addition, when the validity information update processing unit 32 receives information indicating that the receivables have been collected from the receivable management system 2 (information indicating that the receivables are 0 and the company identification information), The information indicating the validity of the electronic certificate information 40 in the validity information storage unit 30 may be changed from use restriction, suspension, or invalidation to validity.

  The validity check processing unit 33 receives a request for checking the validity of the electronic certificate information 40 from the office device 4 at a predetermined timing. Upon receiving this request, the validity confirmation processing unit 33 refers to the validity information storage unit 30 to determine whether or not the electronic certificate information 40 is valid, and the determination result is used as the office device. Return to 4.

  The office equipment 4 stores electronic certificate information 40a and 40b issued by the certificate center system 3. Then, a confirmation request for confirming the validity of the electronic certificate information 40 is sent to the certificate center system 3 at a predetermined timing via the network. If an answer indicating validity is received, the use of the function of the office device 4 can be continued. If an answer indicating that it is not valid (for example, usage restriction, pause, invalid) is received, the function of the office device 4 is restricted, paused, or invalidated. The timing at which the office device 4 makes a confirmation request for the electronic certificate information 40 can be arbitrarily set such as a timing at which the office device 4 is used, a predetermined timing every day, and a predetermined timing every week.

  Although the case where authentication processing is performed using the electronic certificate information 40 has been described, information indicating whether or not the office equipment 4 can be used may be stored without using the electronic certificate information 40. .

  An example of the processing process of the non-performing loan generation suppression system 1 of the present invention will be described with reference to the flowcharts of FIGS. In the following explanation, the office device 4 is a copier, and the case where it becomes invalid due to the occurrence of accrued receivables will be described.

  First, processing for an electronic certificate will be described with reference to FIG. Assume that the validity information storage unit 30 before processing is as shown in FIG.

  The claim information acceptance processing unit 20 accepts input of claim information for each company at a predetermined timing (S100). The bond information is stored in the bond information storage unit 21 for each company. The receivable information reception processing unit 20 receives transfer information (amount, transfer date, etc.) from a financial institution such as a bank, and executes an allocation process based on the transferred information. Receivables that have not been reserved are receivables.

  The receivable receivable identification processing unit 22 identifies a company or the like having an unreceivable receivable from the receivable information stored in the receivable information storage unit 21 at a predetermined timing, for example, every month (S110). Then, the receivable receivable identification processing unit 22 sends the receivable receivable information on the company having the receivable receivable identified in S110 to the certificate center system 3 (S120).

  When the receivable receivable information received from the receivable management system 2 is received by the receivable receivable information receiving processing unit 31 of the certificate center system 3, the validity information update processing unit 32 is based on the identification information of the company etc. in the received receivable receivable information. Companies that have accrued receivables are identified. Then, the validity information of the electronic certificate information 40 stored in the validity information storage unit 30 is invalidally updated and stored as the validity information of the electronic certificate information 40 of the company or the like in which the receivable is generated (S130). ). That is, the validity information storage unit 30 is in the state shown in FIG.

  Next, the case where the office device 4 confirms the validity of the electronic certificate information 40 will be described with reference to the flowchart of FIG.

  The office equipment 4 installed in each company at a predetermined timing sends a request for confirming the validity of the electronic certificate information 40 stored therein to the certificate center system 3 (S200). This confirmation request includes identification information of the company. When the validity confirmation processing unit 33 accepts the confirmation request for the electronic certificate information 40 sent from the office equipment 4, the validity confirmation processing unit 33 refers to the validity information storage unit 30, and the electronic certificate information 40 is received. The validity of the information 40 is determined based on the company identification information (S210), and the validity confirmation processing unit 33 sends the determination result back to the office equipment 4 (S220).

  If the determination result received by the office device 4 is information indicating validity (S240), the office device 4 can use the function as it is. On the other hand, if the determination result received by the office device 4 is not information indicating validity (S250), the office device 4 stops its function (S250).

  In the above description, it is valid or invalid. For example, in the case of valid and restricted use, only the permitted functions are valid in the office equipment 4, and the functions for the invalid functions are stopped.

  By using the non-performing loan generation suppression system 1 of the present invention, the use of the office equipment 4 can be stopped immediately. For this reason, it is possible to prevent the receivables from expanding and becoming non-performing loans.

1: Non-performing loan generation deterrence system 2: Receivable management system 3: Certificate center system 4: Office equipment 20: Receivable information reception processing unit 21: Receivable information storage unit 22: Accrued receivable identification processing unit 30: Effectiveness information storage unit 31 : Accounts receivable information reception processing unit 32: Validity information update processing unit 33: Validity confirmation processing units 40 a and 40 b: Electronic certificate information

Claims (5)

A non-performing loan generation deterrence system for deterring the occurrence of non-performing loans for usage fees of office equipment,
The non-performing loan generation deterrence system is
A bond information storage unit for storing bond information;
A receivable receivable identification processing unit for identifying whether a receivable receivable is generated based on the receivable information storage unit;
A validity information storage unit for storing information indicating validity of the electronic certificate information;
A validity information update processing unit for updating the electronic certificate information stored in the validity information storage unit to information indicating that the electronic certificate information is not valid based on the receivables information specified by the receivable receivable identification processing unit;
Use of the office device by receiving a request for checking the validity of the electronic certificate information stored in the office device and returning an answer about the validity of the electronic certificate information with reference to the validity information storage unit An validity check processing unit for changing the availability status;
A non-performing loan generation deterrent system characterized by comprising: As information indicating the validity of the electronic certificate information, information indicating the validity of the electronic certificate information is stepwise based on any one or more of an accrued amount, an uncollected period, and the number of delays in the accrued receivable information. Can be set,
The validity information update processing unit
Updating information indicating the validity of the electronic certificate information stored in the validity information storage unit according to any one or more of the amount receivable, the period of receivable, and the number of delays in the receivables information;
The validity check processing unit
In response to the information indicating the validity of the electronic certificate information stored in the validity information storage unit, a response to the confirmation request for the electronic certificate information is returned, so that the office equipment is controlled corresponding to the response. To execute the process,
The non-performing loan generation deterring system according to claim 1. A non-performing loan generation deterrence system for deterring the occurrence of non-performing loans for usage fees of office equipment,
The non-performing loan generation deterrence system is
Update the information indicating the validity of the electronic certificate information stored in the office equipment to the information indicating that it is not valid based on the receivable information.
Upon receiving a request for confirming the validity of the electronic certificate information stored in the office device, the information indicating the validity of the electronic certificate information is confirmed,
When the information indicating that it is not valid is stored, the availability status of the office device is changed.
Non-performing loan generation suppression system characterized by this. Computer
A receivable receivable identification processing unit for identifying whether a receivable receivable has occurred based on a receivable information storage unit for storing receivable information,
A validity information update processing unit that updates the electronic certificate information stored in the validity information storage unit to information indicating that it is not valid, based on the receivables information specified by the receivable receivable identification processing unit;
Use of the office equipment by accepting a request for checking the validity of the electronic certificate information stored in the office equipment and returning a reply about the validity of the electronic certificate information with reference to the validity information storage section A validity check processing unit for changing the availability status;
Non-performing loan generation deterrence program characterized by functioning as Computer
Based on the receivables information, the information indicating the validity of the electronic certificate information stored in the office equipment is updated to the information indicating that it is not valid.
Upon receiving a request for confirming the validity of the electronic certificate information stored in the office device, the information indicating the validity of the electronic certificate information is confirmed,
When the information indicating that it is not valid is stored, the availability status of the office device is changed.
Non-performing loan generation deterrence program characterized by functioning as

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