JP2020095510A - Transaction review and seizure assist system - Google Patents

Abstract

To achieve load reduction in a seizure practical operation of an administrative agency side and a financial institution side.SOLUTION: A transaction review and seizure support system comprises: a review control unit that manages a transaction review inquiry to a delinquent from an administrative agency, and a transaction review result from a financial institution to the transaction review inquiry; a seizure control unit that, upon preparing a seizure document to the delinquent or sending the seizure document to the financial institution, receives a seizure reservation request to be transmitted from the administrative agency, extracts the corresponding transaction review result of the delinquent, and generates seizure reservation data; and a data processing unit that converts the seizure reservation data into a prescribed format for coordinating with a mission-critical system carrying out an account activity management of a transaction account in the financial institution, and generates seizure preparation registration information for registering a seizure execution action by the mission-critical system. The seizure control unit is configured to: provide the financial institution with the seizure preparation registration information; receive, from the financial institution, a seizure result of the seizure execution action based on the seizure preparation registration information accompanied by reception of the seizure document; and provide the administrative agency with the seizure result.SELECTED DRAWING: Figure 1

Description

TECHNICAL FIELD The present invention relates to a technology for assisting the seizure of claims by taxpayers who are delinquent in tax and public money.

Administrative agencies can finally seize property of delinquents, etc., after giving notices such as reminders or notices, to delinquents who do not fulfill their obligation to pay public tax. However, the seizure between the administrative body and the financial institution is complicated and humanly costly (see Patent Document 1). On the other hand, Patent Document 1 proposes a system in which an administrative institution and a financial institution are connected by a network in order to eliminate such complication.

Patent No. 5692586

Examples of seizure against delinquent persons include transaction investigations of delinquent persons against financial institutions and enforcement of property delinquency against delinquent persons against financial institutions. Patent Document 1 aims at labor saving by mediating and consolidating requests and their results, but does not describe a specific mechanism for each actual work on the side of the administrative agency and the financial institution.

For example, in connection with the cooperation between the transaction investigation and the foreclosure and the actual work of the foreclosure performed by the financial institution, Patent Document 1 cannot grasp the mechanism that contributes to the reduction of the burden, and requests “request”. It is difficult to contribute to actual work just because it is done electronically. In particular, although Patent Document 1 suggests cooperation with the core system of a financial institution, the specific mechanism is not clear only by suggestion. Further, since the core system of a financial institution manages the suspension of transactions of individual deposits, etc., the level of confidentiality and availability of information with respect to the core system is extremely high. For this reason, it is the actual situation that even if the cooperation with the core system is not realistic, or even if it can be realized, a considerable amount of ingenuity and cost will be required.

For this reason, Patent Document 1 does not describe a mechanism for transmitting the seizure information to the financial institution, but reducing the actual work load of the seizure execution on the financial institution side. In addition, although it is said that "reduction of the administrative burden on the seizure process" will be done, as mentioned above, if the "request" and "result" of the seizure are electronically delivered, the seizure on the financial institution side is not possible. It is hard to say that the burden of actual work for execution has been reduced.

The financial institution side must carry out the transaction investigation work based on the transaction investigation request from the administrative body and the seizure work based on the delivery of the seizure record in accordance with legal procedures. In the practice of such transaction research and seizure, the work burden on the financial institution side becomes a bottleneck, so it is necessary to consider reducing the burden on the financial institution side from the viewpoint of the administrative agency side.

Therefore, the present invention provides a transaction research/seizure support system that can reduce the burden of the seizure work on the administrative agency side and the financial institution side by providing a seizure reservation function on the premise of transaction research. To aim.

(1) The transaction research/seizure support system of the present invention receives a transaction research request from an administrative institution for delinquents, provides a transaction research request to a financial institution, and receives a transaction research result for the transaction research request from the financial institution. The investigation control unit that provides the transaction investigation result to the administrative agency and stores the transaction investigation result in a predetermined storage area, and the seizure sent from the administrative agency when creating the seizure statement for the delinquent or sending the seizure statement to the financial institution. A predetermined format for cooperation between the seizure control unit that accepts reservation requests, extracts the transaction investigation results of the corresponding delinquent and generates seizure reservation data, and the core system that manages deposits and withdrawals of transaction accounts at financial institutions. And a data processing unit that converts the seizure reservation data to generate seizure preparation registration information for registering the seizure execution action by the core system. Then, the seizure control unit provides the seizure preparation registration information to the financial institution, receives the seizure result, which is the result of the seizure execution action based on the seizure preparation registration information accompanying the receipt of the seizure record, from the financial institution, and administers the seizure result. It is provided to the institution.

(2) In (1) above, the investigation control unit receives the transaction investigation request from the user terminal on the administrative agency side that manages tax delinquency, and the transaction investigation result from the bank clerk terminal on the financial institution side. The financial institution side control part which receives. The seizure control unit receives the seizure reservation request from the user terminal, extracts the transaction investigation result of the designated delinquent from a predetermined storage area, and generates a seizure reservation data. The financial institution side seizure control for transmitting the preparation registration information to the clerk terminal and receiving the seizure result from the clerk terminal can be provided.

(3) In (1) or (2) above, one or more survey request destination financial institutions that make a transaction survey request for each administrative institution are configured to hold in advance request destination financial institution setting information. You can At this time, when the survey control unit receives the transaction survey request, the survey control unit automatically refers to the requested financial institution setting information and automatically extracts the survey requested financial institution of the relevant administrative institution, and the extracted survey requested financial A transaction research request can be provided to the institution. Here, the requested financial institution setting information can be configured to include a financial institution having a residence in an area controlled by the administrative institution.

(4) In (1) or (2) above, when the investigation control unit receives the transaction investigation request, the investigation control unit uses the financial institution information including the address or residence of the financial institution to determine the jurisdiction of the administrative institution or the delinquent person. The financial institution within a predetermined range for the address can be automatically extracted, and the transaction research request can be provided to the extracted research requesting financial institution.

(5) The program of the present invention is a program executed by a computer that provides a transaction research/seizure support function, receives a transaction research request for delinquents from an administrative institution, and provides a transaction research request to a financial institution. The first function of accepting the transaction survey result for the transaction survey request from the financial institution, providing the transaction survey result to the administrative agency, and storing the transaction survey result in a predetermined storage area, and the creation of the seizure document for the delinquent or to the financial institution The second function that accepts the seizure reservation request sent from the administrative agency when sending the seizure report, extracts the transaction investigation result of the corresponding delinquent and creates the seizure reservation data, and the deposit/withdrawal management of the transaction account at the financial institution. The third function for converting the seizure reservation data into a predetermined format for coordinating with the core system that performs the operation, and generating the seizure preparation registration information for registering the seizure execution action by the core system, is realized by the computer. .. Further, the second function provides the seizure preparation registration information to the financial institution, receives the seizure result, which is the result of the seizure execution action based on the seizure preparation registration information accompanying the receipt of the seizure record, from the financial institution, and administers the seizure result. Provide to the institution.

(6) The foreclosure support system of the present invention stores a transaction investigation result provided by a financial institution that has received a transaction investigation request for a delinquent from an administrative institution, and creates a seizure statement for a delinquent or sends it to a financial institution. The seizure control request that accepts the seizure reservation request sent from the administrative agency when sending the seizure report, extracts the transaction investigation result of the corresponding delinquent from the storage section, and generates the seizure reservation data, and the transaction account in the financial institution. A data processing unit that converts the seizure reservation data into a predetermined format for cooperation with a backbone system that performs deposit and withdrawal management, and generates seizure preparation registration information for registering the seizure execution action by the backbone system. .. Then, the seizure control unit provides the seizure preparation registration information to the financial institution, receives the seizure result, which is the result of the seizure execution action based on the seizure preparation registration information accompanying the receipt of the seizure record, from the financial institution, and administers the seizure result. It is provided to the institution.

According to the present invention, the seizure work is managed from transaction investigation to seizure all at once, and the history management is centrally managed. Therefore, it is possible to suppress work leakage and perform smooth seizure work that is not affected by work experience.

In particular, administrative agencies can send seizure documents based on seizure reservations. For example, if seizure reservations are sent in advance to financial institutions, sending seizure documents by mail will complete the seizure work and reduce the work burden. To do. Also, on the financial institution side, since this system provides the seizure preparation registration information for registering the seizure execution action by the core system, it is possible to standardize the seizure preparation work, and before the receipt of the seizure record. It is possible to make advance preparations by the seizure reservation and reduce (distribute) the work load when the seizure record is received.

It is a system schematic diagram of a transaction research and a seizure support system of a 1st embodiment. It is a functional block diagram of the support apparatus of 1st Embodiment. It is a functional explanatory view of a transaction survey request of the first embodiment. It is a figure which shows an example of the requested financial institution setting information of the transaction investigation of 1st Embodiment. It is a functional explanatory view of transaction investigation of 1st Embodiment and provision of an investigation result. It is explanatory drawing of the reservation reservation function of 1st Embodiment. It is explanatory drawing of execution of seizure of 1st Embodiment. It is a figure which shows the processing flow of the transaction research and the seizure support system of 1st Embodiment. It is a figure for demonstrating the network structure of the transaction investigation / seizure support system of 1st Embodiment.

Hereinafter, embodiments will be described with reference to the drawings.

(First embodiment)
1 to 9 are views showing the first embodiment. FIG. 1 is a system schematic diagram of the transaction research/seizure support system of the present embodiment. The transaction research/seizure support system has a support device 100 and provides a transaction research function and a seizure function between an administrative agency and a financial institution. In addition to local governments, administrative agencies include tax offices, police and prosecutors, courts, pension offices, etc.

The user terminal 300 is a computer device operated by a staff member of an administrative agency, and can be connected to the support device 100 via a predetermined network. On the other hand, the user terminal 300 includes a core business system (computer system unique to a government agency or a computer system shared by a plurality of government agencies) 310 and a dedicated line (a VPN other than a physical dedicated network) used by the government agency. , Including virtual private networks). Note that the user terminal 300 can also be configured by being divided into a computer terminal that can be connected to the support apparatus 100 and a computer terminal that can be connected to the core business system 310. The direct connection with the core business system 310 does not necessarily have to be possible.

The core business system 310 is personal information such as the name, date of birth, and address of a resident (having a resident card) living in the area under its jurisdiction, and the state of payment of tax and public money such as local taxes, insurance premiums, and utility charges, that is, Manage delinquency status. The user terminal 300 can access the core business system 310 to search/extract delinquents. The core business system 310 can generate various types of information for the retrieved delinquent and output it in a predetermined data format (CSV format, TXT format, table format, etc.).

The support device 100 has a transaction research function of providing a transaction research request of an administrative institution to a financial institution and providing a transaction research result provided by the financial institution to the administrative institution. The staff of the administrative institution accesses the support device 100 through the user terminal 300 and registers the transaction research request. The support device 100 transmits a transaction survey request registered to one or more financial institutions, receives transaction survey results provided from each financial institution, associates the transaction survey request with the transaction survey results, Register as transaction survey data. The support device 100 provides the registered transaction survey result to the administrative body. The support device 100 can have a function of receiving a transaction research request on a paper surface (paper medium). For example, the operating company that operates the support device 100 receives a transaction research request on paper, generates transaction research request data by an OCR device (optical character recognition device) or manually, and registers the data in the support device 100. May be.

On the financial institution side, a system environment including a bank terminal 500 and a core system 510 is constructed. The clerk terminal 500 can also be configured by being divided into a computer terminal that can be connected to the support device 100 and a computer terminal that can be connected to the backbone system 510, and the clerk terminal 500 that is connected to the support device 100 is not necessarily the backbone. A direct connection with the system 510 need not be possible. The core system 510 is a computer system that manages the entire trading operation such as a trading account and a trading history. For example, the core system 510 can perform transaction stoppage of assets such as deposits of delinquents due to seizure, transfer of funds from accounts of delinquents to accounts of administrative agencies, transfer, and withdrawal of funds. The core system 510 performs various processes by an operation from the bank clerk terminal 500 or by directly inputting an operation command.

The clerk acquires a survey request from the support device 100 via the clerk terminal 500 and performs an inquiry process to the core system 510. The result of the inquiry process is output from the core system 510 to the clerk terminal 500, and is provided from the clerk terminal 500 to the support device 100. The support device 100 transmits the survey result to the administrative body that requested the transaction survey. The core system 510 is composed of an accounting system that manages transaction execution such as transaction suspension of a trading account and transfer of funds, and an information system that inquires and outputs information managed by the accounting system. It may be configured. In this case, the inquiry to the core system 510 for the survey request and the output of the survey result can be performed through the information system. Further, since the seizure preparation process and the seizure execution described later need to be executed in the accounting system, various processes for the accounting system are performed via the information system, the clerk terminal 500 or the dedicated terminal of the accounting system. It can be performed.

In some cases, the administrative organization and the financial institution have previously established an environment in which mutual data communication is possible through a dedicated network. In this case, the support apparatus 100 is configured to be connectable to a dedicated network, various information output from the administrative agency and the financial institution is received through the dedicated network, and various information for the administrative agency and the financial institution is transmitted through the dedicated network. To be done. Further, the support device 100 directly exchanges information with the administrative agency and the financial institution through a predetermined network for receiving information, and provides (transmits) information from the support device 100 to the administrative agency and the financial institution through a dedicated network. The network configuration between the three parties is arbitrary.

The support device 100 supports the seizure of delinquents from the administrative institution to the financial institution based on the transaction research data accumulated by the transaction research function, and also provides the function of supporting the seizure work on the financial institution side. In particular, the seizure work on the financial institution side must be performed in real time when the seizure record is delivered, but this imposes a large administrative burden. Therefore, in this embodiment, support is provided through a "seizure reservation" function that utilizes accumulated transaction survey data.

The staff member can access the support device 100 and make a seizure reservation based on the transaction survey result. Specifically, the accumulated transaction survey data is searched to extract the transaction survey result of the corresponding delinquent person, and the seizure reservation is created and registered from the extracted transaction survey result (transaction survey data). The registered seizure reservation is notified to the financial institution side, and the seizure reservation information is transmitted to the financial institution through the clerk terminal 500. The clerk accesses the backbone system 510 via the clerk terminal 500, and in accordance with the transaction processing provided by the backbone system 510, a delinquent person's transaction suspension reservation using seizure reservation (the subsequent fund transfer processing as necessary is required). Registration may be included).

Upon registration of the seizure reservation, the staff creates a seizure record and delivers it to the financial institution (regardless of the context of registration of the seizure reservation and creation of the seizure record). The delivery means may be a paper delivery or a window reception by visiting a financial institution. Therefore, there is a time lag between the receipt of the seizure reservation and the receipt of the seizure record, and the seizure reservation arrives at the financial institution before the seizure record. The preceding seizure reservation allows the seizure preparation process to be performed prior to receipt of the seizure record.

The foreclosure statement includes the name of the delinquent person, the address (or whereabouts), items such as tax relating to the foreclosure and the year, payment deadline and payment amount (delinquency amount), whereabouts of the seized property (financial institution and account information), It will be a trigger for formal foreclosure operations on the part of financial institutions. If there is no seizure statement, the seizure cannot be executed. Therefore, when the financial institution receives the seizure statement, the financial institution confirms the content of the seizure statement and extracts and collates the transaction information of the person to be seized.

However, in the present embodiment, since the financial institution has received the seizure reservation in advance and the registration of the seizure preparation for the core system 510 has been performed before the receipt of the seizure record, the bank clerk triggers the receipt of the seizure record. , The seizure preparation registration based on the seizure reservation can be collated with the received seizure record to execute the seizure. Although the transaction of the account of the person to be seized that has been verified in this way is suspended, since the seizure preparation registration based on the seizure reservation is performed in advance with respect to the core system 510, it is only necessary to execute the seizure processing (seizure transaction) that has been registered for reservation. It is possible to smoothly perform various processes such as transaction suspension and fund transfer. The term “suspension of transaction” refers to the freeze of the transfer of funds, which is a process of freezing the transfer of funds for deposits/withdrawals or withdrawals (allowing deposits).

The result of the transaction suspension based on the collation result of the seizure record and the seizure reservation is provided to the support device 100 as the seizure result. The clerk operates the clerk terminal 500 to freeze the transfer of funds of the delinquent person to the core system 510, and seizes the amount of debt (delinquent amount) based on the seizure record. At this time, the payment from the obligee, which is the obligor, to the administrative institution, which is the creditor, will be made immediately due to the suspension of transactions, or after going through prescribed procedures within the financial institution and proceedings to the court, It may be broken. Therefore, the result of the seizure is the result of the seizure involving the suspension of transactions and the transfer of funds, and the result of the seizure of the amount of claims (delinquent amount) in the seizure memorandum including the suspension of transactions, although the actual payment (transfer of funds) will come later. .. Further, when there is a time lag between the suspension of the transaction and the actual payment, it is possible to notify the support device 100 as a result of individual seizure when the payment is made. The seizure result transmitted from the clerk terminal 500 to the support device 100 is provided to the administrative agency (user terminal 300).

FIG. 2 is a functional block diagram of the support device 100 of this embodiment. The support device 100 includes a communication device 110, a control device 120, and a storage device 130. The communication device 110 controls each communication with respect to the user terminal 300 and the clerk terminal 500. The control device 120 includes an investigation control unit 121, a data processing unit 122, and a seizure control unit 123. The survey control unit 121 includes a user-side control unit 121A that controls the user interface on the administrative institution side and a financial institution side control unit 121B that controls the user interface on the financial institution side.

The data processing unit 122 performs a data conversion process for mutually converting the data content and data format created by the administrative agency and the data content and data format on the financial institution side. For example, the file format conversion for converting the CSV format into the text format, rearrangement of the arrangement order of the data items of the data content, conversion of the attributes of characters and numerical values, and data conversion such as correction of notation fluctuation are performed. With this configuration, the data output from the core business system 310 and the core system 510 can be linked with each other so that the data can be mutually captured. Even if the support apparatus 100 is not directly connected to the core business system 310 or the core system 510, the user terminal 300 or the clerk terminal 500 indirectly loads the core business system 310 or the core system 510 into the core business system 310 or the core system 510. Even in case, it can be done smoothly.

The data processing unit 122 stores information such as a transaction survey request provided by an administrative agency, a transaction survey result provided by a financial institution, a seizure reservation provided by an administrative institution, and a seizure result provided by a financial institution. Performs processing to convert to the file format or data format specified by the acquiring side.

The user-side control unit 121A of the investigation control unit 121 controls uploading of the transaction research request created by the staff through the core business system 310 and operation input through a predetermined screen, and accepts the transaction research request. The accepted transaction survey request is given a unique transaction survey ID and stored (registered) in the storage device 130. When the transaction survey request is registered, the survey control unit 121 controls the notification to the clerk terminal 500 and the transaction terminal request data acquisition from the support apparatus 100 to the clerk terminal 500. Further, when the financial institution registers the transaction survey result corresponding to the transaction survey request, the user-side control unit 121A notifies the user terminal 300 and acquires the transaction survey result data from the support device 100 for the user terminal 300. Control so that At this time, the data processing unit 122 converts each of the core business systems 310 and 510 into data that can be captured and provides the data.

Similarly, the financial institution side control unit 121B of the survey control unit 121 controls uploading of the transaction survey result created through the core system 510 and operation input through a predetermined screen, and receives the transaction survey result. The accepted transaction survey result is stored (registered) in the storage device 130 in association with the transaction survey ID of the corresponding transaction survey request. When the transaction survey result is registered, the survey control unit 121 controls the notification to the user terminal 300 and the user terminal 300 so that the transaction survey result data can be acquired from the support apparatus 100. Also at this time, the data processing unit 122 converts the data into data that can be captured by the core business system 310 and provides the data. In the storage device 130 of the support device 100, transaction survey data in which a transaction survey request and its result are associated with each other is accumulated.

The seizure control unit 123 includes a user-side seizure control unit 123A that controls a user interface on the administrative institution side, and a financial institution side seizure control unit 123B that controls a user interface on the financial institution side.

The user-side seizure control unit 123A uses the transaction survey data accumulated in the storage device 130, and controls the staff to generate a seizure reservation on a predetermined screen through the user terminal 300 and transmit the seizure reservation to the financial institution. Further, when the financial institution registers the seizure result corresponding to the seizure reservation, the seizure control unit 123 can notify the user terminal 300 and obtain the data of the seizure result from the support device 100 with respect to the user terminal 300. To control. The data processing unit 122 converts the seizure result provided by the financial institution into data that can be captured by the core system 310.

The financial institution side seizure control unit 123B controls so that the seizure reservation data created through the support apparatus 100 can be acquired. When the clerk terminal 500 receives the registration notice of the foreclosure reservation, the clerk terminal 500 can access the supporting device 100 and perform an operation of acquiring the foreclosure preparation registration information from a predetermined screen. The financial institution side seizure control unit 123B controls downloading (transmission) of the seizure preparation registration information to the clerk terminal 500, and also receives from the clerk terminal 500 a notification that the seizure preparation registration setting on the financial institution side has been completed. be able to.

It should be noted that even without downloading the seizure preparation registration information, the clerk can perform the seizure preparation registration in the core system 510 while viewing the seizure preparation registration information through the clerk terminal 500. Also in this case, the clerk can send a notification to the support apparatus 100 that the seizure preparation registration setting is completed through the clerk terminal 500.

Further, the financial institution side seizure control unit 123B controls uploading of the seizure result created through the core system 510 and operation input through a predetermined screen, and receives the seizure result, similarly to the user side seizure control unit 123A.

<Transaction research support function>
3 to 5 are diagrams showing the transaction research support function. FIG. 3 is a functional explanatory diagram of a transaction survey request. First, the staff member accesses the core business system 310 from the user terminal 300, and searches/extracts a target person who conducts a transaction survey. The core business system 310 generates transaction survey target person data including a target person ID, a kanji name, a kana name, a date of birth, an address, etc., and outputs it to the user terminal 300.

The staff accesses the support device 100 from the user terminal 300 and registers the transaction survey target person acquired from the core business system 310. As a registration method, for example, as in the example of FIG. 3, the user-side control device 121A displays a registration screen of a survey target on the user terminal 300, and selects transaction survey target person data (registered file) or a survey target person. Control to be able to input directly. In the file selection, the transaction survey target person data extracted from the core business system 310 can be selected and uploaded to the support apparatus 100. In the case of direct input of the survey target person, for example, an input form of the target person ID, kanji name, kana name, date of birth, address, etc. is displayed on the user terminal 300, and the staff inputs the kanji name, kana of the survey target person into the input form. The name, date of birth, address, etc. can be entered to control registration of the transaction survey target person.

Next, the staff creates a survey request based on the registered transaction survey target person data. First, the staff member selects the registered transaction survey target person data on the request target selection screen. For the selected transaction surveyee data, the staff specifies one or more financial institutions to be surveyed on the survey request creation screen, and the transaction in which the transaction surveyee data and the financial institution to be surveyed are linked Create survey request data. As a result, the administrative institution side can request the financial institution to conduct a transaction investigation of the delinquent person.

When the create button is selected on the survey request creation screen, the survey control unit 121 creates transaction survey request data linking the transaction survey target person data and the financial institution requesting the survey, and stores the transaction survey request data. The information is stored (registered) in the device 130, and the processing of notifying the designated financial institution of the survey request from the administrative institution is triggered by the registration of the survey request. The survey control unit 121 controls the clerk terminal 500 so that the transaction survey request data can be acquired along with the notification process.

FIG. 4 is a diagram showing an example of setting information of the survey requesting financial institution. This setting information narrows down financial institutions and their branches in advance for each administrative organization, and automatically sets the financial institutions and their branches that match the regional characteristics of the administrative organization, even if they are not specified by the administrative organization. .. For example, if the branch of a financial institution that has a residence in the area under the jurisdiction of an administrative institution is set in advance and the administrative institution is a city, the △□ branch of the financial institution in that area and the △□ branch of the financial institution △ □ Branches and branch offices can be configured to automatically set survey requests. Further, it is possible to set up a financial institution having a residence in a place beyond the area controlled by the administrative body. For example, it is possible to set up a financial institution that has a residence in an adjacent administrative institution, or set up a financial institution based on the relationship between financial institutions (tie-up relationship, city bank, regional bank, credit union, etc.). it can.

Therefore, when the transaction control request is received, the survey control unit 121 uses the requested financial institution setting information in which one or a plurality of survey requested financial institutions that make a transaction survey request for each administrative agency are set. It is possible to automatically extract the survey request destination financial institution of the relevant administrative institution by referring to the institution setting information and provide the transaction survey request to the extracted survey request destination financial institution.

On the other hand, the example of FIG. 4 shows an example in which a financial institution and its branch are displayed in a list, and the administrator of the administrative institution or the support device 100 can manually set the financial institution from the list. However, in addition to manual setting, the address of the administrative agency or delinquent person is matched with the address of the branch of the financial institution, and the address of the delinquent person or the administrative agency address in the registered transaction survey target data is used. It is also possible to control so that the transaction survey request data can be created by automatically designating the financial institution that makes the survey request.

In this case, the financial institution information including the address or whereabouts of the financial institution is stored in advance, and when the transaction control request is received, the investigation control unit 121 uses the financial institution information to determine the jurisdiction of the administrative institution or the delinquent person. A financial institution within a predetermined range for an address can be automatically extracted, and a transaction research request can be provided to the extracted research request destination financial institution. For example, a financial institution included in the jurisdiction of an administrative institution or a financial institution within a radius of several kilometers centered on the address of a delinquent person (other than the administrative institution) can be automatically extracted for transaction investigation. You can make a request.

By configuring in this way, the government agency can automatically request a survey to a financial institution that is likely to have a transaction with a delinquent who has a residence in the area, regardless of which financial institution is requested. At the same time, it is possible for the financial institution side to prevent the administrative institution from unconditionally (randomly) requesting a large number of financial institutions to investigate delinquents, so that it is possible to reduce the operational burden for the investigation request. Further, since the setting information of the financial institution to which the survey is requested can be accumulated as know-how for each administrative agency independently, it is possible to realize a highly efficient environment for both parties by utilizing the experience of the staff. Further, in the example of FIG. 4, classification is provided as an attribute of the financial institution. The classification includes, for example, designated money (designated agency financial institution), income (deposit agency financial institution), city bank, and the like, and is information added according to the role and scale of the financial institution. By understanding the classification of financial institutions, it is possible to make appropriate selections according to the relationship between delinquent people and financial institutions.

FIG. 5 is a diagram for explaining a transaction survey and provision of survey results. The clerk can connect to the support apparatus 100 and acquire the transaction research request data from the research request reception screen. For example, after logging in to the support apparatus 100, the financial institution side control unit 121B causes the bank clerk terminal 500 to display a survey request reception screen. On the survey request reception screen, one or a plurality of administrative bodies that have requested the survey are displayed. At this time, it is possible to receive a survey request from each of different administrative bodies, or to receive a plurality of survey requests from different persons to be surveyed from the same administrative agency. Note that one transaction survey request data may be configured to include one or a plurality of delinquent people. In other words, it is possible to make a transaction survey request for multiple delinquents at once with one request. In this case, the transaction survey results are also collected together with the transaction survey results of a plurality of delinquents in accordance with the transaction survey request. One transaction survey result data can be registered in the support device 100. The support apparatus 100 can be configured such that, even when a survey request and a survey result for a plurality of persons are received, the transaction request history and the survey result history are accumulated for each delinquent.

Since the transaction survey request data to be registered is the transaction survey target person data provided by the administrative agency, data conversion according to the basic system 510 on the financial institution side is required. Therefore, when the cooperation button is pressed, the data processing unit 122 of the support apparatus 100 converts and outputs the transaction research request data so that the transaction research query format of the basic system 510 is set in advance. The query format is set according to the specifications of the core system 510 of each financial institution, and the query information is a set of search conditions for extracting transaction history of delinquent persons with respect to the core system 510 and items to be extracted. Is.

By performing such data cooperation, it is possible to perform substantial cooperation with the core system 510. In other words, in terms of security, when the support device 100 cannot directly connect to the core system 510, the support device 100 provides inquiry information that can be used by the core system 510, so that smooth data linkage can be performed even through the clerk terminal 500. Is possible. On the other hand, needless to say, if the support apparatus 100 can directly perform data cooperation with the core system 510, further unified management becomes possible.

In addition, although one aspect of the data cooperation for converting to the query format has been described, for example, the clerk manually inputs the search condition, that is, the search query of the survey target person to the backbone system 510 through the clerk terminal 500. It is also possible to query the system 510. In this case, the transaction survey request data registered by the administrative body is displayed on the clerk terminal 500 or downloaded, and while the clerk confirms the content of the transaction survey request data, the inquiry processing by manual input to the core system 510 is performed. It can also be configured to do so.

The core system 510 outputs the result of the investigation of the delinquent person based on the search query of the person to be investigated. The output format is not particularly limited, but may be any file format or data format that can be output by the core system 510. The survey result output from the core system 510 is registered in the support device 100. For example, a bank clerk manually inputs the survey result output from the core system 510 through a survey result input screen provided by the support device 100, or uploads the output transaction survey result data in a file format to the support device 100. be able to. When the backbone system 510 and the support device 100 can be directly connected via a network, the transaction survey result data can be automatically uploaded from the backbone system 510 to the support device 100.

When the transaction survey result data is uploaded and registered in the support device 100, the transaction survey request and the transaction survey result are associated with each other. In the example of FIG. 5, the clerk calls the transaction survey result data registration screen from the clerk terminal 500 using the transaction survey request data as a key, and uploads the transaction survey result data on the transaction survey result data registration screen. As a result, the uploaded transaction survey result data will be associated with the transaction survey request. Further, when the transaction survey result data includes the name of the requesting financial institution and the name of the delinquent person, the transaction survey request and the transaction survey result can be automatically matched using these pieces of information as keys.

The survey control unit 121 of the support apparatus 100 provides the user terminal 300 of the relevant administrative institution with the transaction survey result from the financial institution in association with the registration of the transaction survey result data associated with the transaction survey request. The user-side control unit 121A notifies the user terminal 300 that the transaction survey result has arrived from the financial institution and controls so that the transaction survey result can be acquired from the user terminal 300. At this time, the transaction survey result data provided by the financial institution is converted into a file format and data content suitable for the core business system 310 used by each administrative agency to generate transaction survey result data for transmission, and the user terminal. Can be sent to 300.

Further, the staff can browse the detailed information of the transaction research result data in the support device 100 through the user terminal 300. As shown in FIG. 5, the transaction survey result specification includes a bank employee ID, an administrative agency, transaction survey request data, and a survey ID as survey target information, and the survey result is displayed. The survey results include the surveyor's name, date of birth, and address, as well as the result information provided by the financial institution such as the surveyed financial institution, whether or not there is a deposit in the account, and transaction history (deposit/withdrawal). ..

In this way, the history of transaction survey requests and the history of transaction survey results are stored in association with each other, and data linkage is established for the core business system 310 of the administrative agency and the core system 510 of the financial institution. Can be provided.

<Seizure reservation function and seizure processing>
6 and 7 are diagrams showing the seizure function including the seizure reservation function. FIG. 6 is an explanatory diagram of the seizure reservation function. The seizure reservation function of the present embodiment provides a function of notifying the financial institution side of the reservation of the seizure by the administrative institution before the seizure record reaches the financial institution and providing a function of supporting the seizure work on the financial institution side.

First, the staff member accesses the support device 100 from the user terminal 300, and searches and extracts the transaction survey result data of the target person (delinquent person) who performs the seizure. For example, when the name of the target person or the like is input, the user side seizure control unit 123A identifies the corresponding transaction survey result data and causes the user terminal 300 to display the details of the transaction survey result data shown in FIG. At this time, the user-side seizure control unit 123A can perform control so that the screen on which the details are displayed includes a "seizure reservation" button (not shown).

When the seizure reservation button is selected on the transaction investigation result data detail screen, the user side seizure control unit 123A provides the user terminal 300 with a seizure reservation registration screen, as shown in FIG. On the seizure reservation registration screen, the detailed information displayed on the detailed screen of the transaction survey result data, that is, each item of the transaction survey result data is displayed. Further, an input field for inputting the seizure reservation date and the seizure amount is provided, and the staff enters these information on the seizure reservation registration screen. As the seizure reservation date, the current date or future date can be arbitrarily input. For example, the date when the seizure statement arrives at the financial institution (for example, the monthly payment date of the transaction history included in the transaction survey result) may be input. It should be noted that the seizure is not always executed on the reservation date. In other words, as mentioned above, the financial institution cannot execute the seizure unless it receives the seizure statement, so if it is the date when the administrative agency can make a reservation or when you want the seizure to be executed. Good. For example, by automatically or manually inputting the current date when the seizure reservation is created, the financial institution side can manage the seizure preparation to be described later by using the reservation date.

Further, when the staff inputs the date when the seizure statement arrives at the financial institution as the seizure reservation date, and when the seizure statement does not arrive on the set reservation date, the financial institution side sends the seizure statement to the support device 100 on the reservation date. You can be notified that it has not arrived at.

A "reservation registration" button is provided on the seizure reservation registration screen, and the staff member can perform the seizure reservation registration by selecting the "reservation registration" button. With the seizure reservation registration as a trigger, the seizure control unit 123 generates the seizure reservation data, stores the seizure reservation data in the storage device 130, and transmits a seizure reservation notification to the clerk terminal 500. The seizure reservation data includes the staff member ID of the staff member, the name of the administrative institution (may be the code of the administrative institution), the deposit destination account number, the name of the person targeted for the seizure (survey), the date of birth, the address, the seizure reservation date, the amount seized, etc. Including.

As described above, in the present embodiment, by storing the transaction survey data, the support device 100 can generate the seizure reservation data by using the transaction survey result data, and the staff can easily and without any input error and can perform the financial operation. You can make a seizure reservation for an institution.

The seizure control unit 123 of the support apparatus 100 controls the financial institution to acquire the seizure reservation data in accordance with the seizure reservation notification. The clerk accesses the support device 100 through the clerk terminal 500 and acquires (receives) the registered seizure reservation data. In the example of FIG. 6, the financial institution side seizure control unit 123B provides the clerk terminal 500 with a seizure reservation reception screen, and the clerk can select, confirm and receive the seizure reservation data on the seizure reservation reception screen. it can. In the seizure reservation reception screen, the seizure reservation data is displayed together with the name of the administrative institution, and each seizure reservation of each financial institution or/and a plurality of seizure reservations of different target persons from one financial institution are displayed. The clerk can select the seizure reservation data to be received, confirm the contents, and download the seizure reservation data.

On the other hand, in the present embodiment, a function of data-linking the seizure reservation data with the core system 510 on the financial institution side is provided, and the seizure reservation data is used to generate the seizure preparation registration setting information in the core system 510, and the clerk terminal 500. To provide.

For example, in the example of FIG. 6, when the confirmation button is selected on the seizure reservation reception screen, the financial institution side seizure control unit 123B causes the clerk terminal 500 to display the seizure reservation confirmation screen. On the seizure reservation confirmation screen, the contents of the seizure reservation data are displayed, and together with the employee ID and financial institution name that receive the seizure reservation, the administrative agency that made the seizure reservation, the deposit account number, the name of the investigator, the date of birth, and the address. , The seizure reservation date, the seizure amount, and the survey result including the deposit and transaction history can be controlled to be displayed. It should be noted that the reception ID is an identification number assigned to each of the received reservation data, and the reservation reservation data and the seizure preparation registration information are associated with each other by associating the reception ID with each other when the seizure preparation registration information described below is generated. ..

The push reservation registration screen is provided with a push preparation registration button, and by selecting the push preparation registration button, push preparation registration information for the corresponding push reservation data can be generated. The seizure control unit 123 uses the seizure reservation data and preset information (for example, code information and various setting information necessary for data cooperation in the core system 510) in a predetermined seizure action data format, Generate seizure preparation registration information. The generated seizure preparation registration information is provided to the clerk terminal 500, and then registered in the core system 510 from the clerk terminal 500. As shown by the chain double-dashed line in the example of FIG. 6, when the support device 100 and the core system 510 can be directly connected to each other, the assist device 100 transmits the seizure preparation registration information to the core system 510. When the seizure preparation registration button is selected, the seizure control unit 123 processes the seizure reservation as completed.

Next, the bank clerk registers the seizure preparation registration information in the core system 510, but the seizure preparation is not completed only by taking the seizure preparation registration information into the core system 510, and the bank clerk accesses the core system 510. Then, a confirmation operation (completion of preparation for pushing) is performed on the set registration information for pushing preparation. For example, as shown in FIG. 6, when the backbone system 510 is accessed through the clerk terminal 500, the seizure preparation screen can be called. The clerk confirms various information on the seizure preparation screen provided by the core system 510 and edits the information as necessary. In addition, the clerk can also set the transfer of funds for preferential claims, etc. separately from the seizure by the administrative agency. The seizure preparation process can be performed.

In addition, a single delinquent person may be seized by multiple administrative agencies. Therefore, as shown in FIG. 6, when a seizure reservation for each delinquent is made for each administrative body, the seizure preparation screen displays the seizure reservation date and the seizure amount for each administrative organization.

In this way, the clerk confirms various information on the push-preparation screen provided by the core system 510 after the push-preparation registration information provided by the support device 100 is registered in the core system 510, and selects the reservation confirmation button. Then, the preparation for the seizure for the core system 510 can be completed. Completion of the seizure preparation can be registered in the support device 100 from the bank terminal 500.

FIG. 7 is a diagram for explaining execution of seizure. The staff sends a copy of the seizure record to the financial institution, or visits the financial institution and delivers it to the financial institution at the reception desk. When the financial institution receives the foreclosure statement, it confirms the content of the foreclosure statement. At this time, the financial institution performs an internal procedure for the execution of the seizure based on the seizure document, and after the internal procedure is completed, the seizure document and the registered seizure process are collated and the corresponding seizure process is executed. .. Execution of the foreclosure process is performed by the core system 510 by executing the process for which the preparation for the foreclosure is completed based on the reservation for the foreclosure.

Note that the relationship between the internal procedure and the execution of the reserved seizure process differs depending on each financial institution. Therefore, for example, it is also possible to immediately stop the transaction at the time of receiving the seizure document and freeze the withdrawal of the deposit of the delinquent person, and then perform the internal procedure. Then, after the internal procedure, the frozen deposit may be configured to be transferred to the deposit account of the administrative institution which is the creditor. Therefore, the financial institution side can appropriately set such that the process action prepared for the seizure based on the seizure preparation registration information is divided into two processes of the transaction suspension and the fund transfer.

The clerk inputs (transmits) the result of the execution of the seizure accompanying the receipt of the foreclosure statement, that is, the result of the seizure to the support device 100 through the clerk terminal 500. The seizure result may be information indicating that the seizure process for the seizure record has been completed, such as the seizure execution date, the person to be seized, the amount of the seizure, and the like. When the push result is registered, the foreclosure control unit 123 of the support apparatus 100 notifies the user terminal 300 of the administrative agency that the push result has been registered, and the push result data can be acquired from the support apparatus 100 through the user terminal 300. To control. The staff member receives (for example, downloads) the seizure result from the user terminal 300, and takes in (inputs) the seizure result to the core business system 310. Also at this time, the data processing unit 122 can convert the seizure result data into the data cooperation format of the core business system 310 and provide it to the user terminal 300.

As described above, the transaction research/seizure support system according to the present embodiment has the advantage of both the administrative agency and the financial institution that it is possible to carry out the transaction research to the seizure all at once, and the history management is centrally managed. Leakage can be suppressed and smooth seizure work can be performed regardless of work experience.

In addition, as an advantage of the administrative institution, it is possible to investigate transactions with other financial institutions regardless of the designated financial institution of delinquent tax money or the financial institution that collects payments, and send the seizure document based on the seizure reservation. It becomes possible, and it is not necessary to bring it to the counter of the financial institution. (Since the seizure reservation is transmitted to the financial institution side in advance, the seizure record will be mailed to complete the seizure work). Further, since the support device 100 performs data linkage (data conversion), the input load on the core business system 310 is reduced, and the efficiency of collection of delinquent accounts (collection rate) is improved.

As an advantage on the financial institution side, it is possible to standardize the seizure preparation work as well as to improve the work efficiency by using data. In other words, by using this system, special know-how becomes unnecessary. Further, it is possible to achieve equalization of personnel by consolidating special operations such as seizure, and it is possible to reduce human cost.

FIG. 8 is a diagram showing a processing flow of the transaction research/seizure support system of this embodiment.

The staff accesses the core business system 310 from the user terminal 300, searches and extracts the target person who conducts the transaction research, and creates the transaction research target person data (S301). The staff member accesses the support device 100 from the user terminal 300 and transmits the created transaction survey target person data (S302). Note that, as described above, the data of the transaction survey target person can be directly input through a predetermined screen.

The support device 100 registers the transmitted or input transaction research target person (S101), provides a request target selection screen to the user terminal 300, and controls the registered trade research target person data to be selectable ( S102, S303). The support device 100 provides a survey request creation screen for the selected transaction survey target person data, and the staff member designates one or more financial institutions to be surveyed (S103, S303). At this time, as in the example of FIG. 4, the support apparatus 100 refers to the request destination financial institution setting information registered in advance and checks the request destination financial institution setting information of the relevant administrative institution. When there is no corresponding administrative agency in the requested financial institution setting information, the support device 100 controls each financial institution to be arbitrarily selectable by the staff. On the other hand, when there is a corresponding administrative agency in the requested financial institution setting information, the support apparatus 100 controls the financial institution of the setting information to be displayed in a preselected state on the survey request creation screen.

In the control using the requested financial institution setting information, after selecting the survey request creation button on the request target selection screen of the example of FIG. 3, without selecting the staff or displaying the selected financial institution, It is possible to control so as to automatically generate the transaction research request data with the financial institution of the requested financial institution setting information as the request destination without performing control through the research request creation screen.

When the create button is selected on the survey request creation screen, the support apparatus 100 creates transaction survey request data in which the transaction survey target person data and the financial institution requesting the survey are linked (S104, S303). The support device 100 performs a process of notifying a designated financial institution of a survey request from an administrative institution (S105). Further, along with the notification process, the transaction terminal request data is controlled so that it can be acquired from the clerk terminal 500 (S106).

The clerk connects to the support device 100 through the clerk terminal 500 and acquires (receives) the transaction research request data from the research request reception screen (S501). At this time, the support apparatus 100 converts and outputs the transaction research request data so that the transaction research query format of the basic system 510 is set in advance. The clerk connects to the core system 510 through the clerk terminal 500 and inputs an inquiry query based on the transaction research request data (S502). The core system 510 outputs the result of the investigation of the delinquent person, based on the inquiry query (search query) of the investigation target person. The clerk registers the survey result output from the backbone system 510 in the support device 100 through the clerk terminal 500 (S503).

When the transaction survey result data is provided from the clerk terminal 500, the support apparatus 100 associates the transaction survey request with the transaction survey result (S107). With the registration of the transaction research result data associated with the transaction research request, the support device 100 provides the user terminal 300 of the relevant administrative institution with the transaction research result from the financial institution (S108). The user terminal 300 is notified that the transaction survey result has arrived from the support device 100 or the financial institution, and the transaction survey result is controlled to be acquired from the user terminal 300 (S304). In addition, the staff can browse the detailed information of the transaction research result data in the support device 100 through the user terminal 300.

By accumulating the transaction survey data, the staff accesses the support device 100 from the user terminal 300, retrieves and extracts the transaction survey result data of the target person (delinquent person) who performs the foreclosure, and performs various operations for making a foreclosure reservation. Is performed (S305). At this time, the staff member creates a seizure document corresponding to the seizure reservation and also performs a shipping process for sending the created seizure document to the relevant financial institution. Note that the seizure record is created and shipped so that it will reach the financial institution after the registration of the seizure reservation.

The support apparatus 100 performs various controls of the seizure reservation function based on the operation input of the reservation reservation by the staff (S109), and when the "reservation registration" button is selected on the seizure reservation registration screen, the support apparatus 100 performs transaction. The seizure reservation data is generated based on the survey data, stored (registered) in the storage device 130 (S110), and the seizure reservation notification is transmitted to the clerk terminal 500 (S111). The support device 100 controls the financial institution to acquire the seizure reservation data along with the notification of the seizure reservation (S111). The clerk accesses the support device 100 through the clerk terminal 500 and acquires (receives) the registered foreclosure reservation data. Then, it is provided to the clerk terminal 500 (S504).

The clerk registers the seizure preparation registration information in the core system 510, accesses the core system 510, and performs a confirmation (separation preparation completion) operation for the set seizure preparation registration information (S505). The clerk notifies the support device 100 from the clerk terminal 500 that the preparation for the seizure is completed (S506). Upon receiving the push preparation completion notification, the support apparatus 100 transmits a push reservation completion notification to the user terminal 300 (S122).

When the financial institution receives the seizure statement (YES in S507), the internal procedure is performed, and after the internal procedure is completed, the seizure statement and the reserved seizure process are collated and the corresponding seizure process is executed ( S508). The clerk registers (transmits) the result of the execution of the seizure accompanying the receipt of the seizure report to the support device 100 through the clerk terminal 500. The assisting device 100 notifies the user terminal 300 that the result of the foreclosure has been registered, and controls so that the result data of the forcing can be acquired from the assisting device 100 through the user terminal 300 (S113, S306).

FIG. 9 is a diagram for explaining the network configuration of the transaction research/seizure support system of this embodiment. In the above description, the support device 100 is connected to the user terminal 300 and the clerk terminal 500 via the network ((3), (4)), and the core business system 310 and the core system 510 are connected to the support device 100. However, as described above, the support device 100 is directly connected to the core business system 310 ((1)) and is directly connected to the core system 510 ((2)). May be. In this case, the user terminal 300 connectable to the core business system 310 can use the transaction research function and the seizure reservation function provided by the support device 100 through the core business system 310. The same applies to the financial institution side, and the clerk terminal 500 that can be connected to the core system 510 can use the transaction research function and the seizure reservation function provided by the support device 100 through the core system 510.

Although the embodiment has been described above, the transaction research/seizure support system provides consistent support from the transaction research to the seizure. However, the seizure support system including the seizure function including the seizure reservation may be provided. It is possible. For example, when the existing transaction research system uses the seizure function of this embodiment or only uses the seizure function, the seizure support system including the seizure reservation can be provided as a center. In this case, the transaction survey data is the basic information for creating the seizure reservation data, so if you create the seizure reservation data by manually registering the individually acquired transaction survey results or by importing the data, the seizure reservation including the seizure reservation is created. Functions are available. As described above, the seizure function including the seizure reservation according to the present embodiment can be realized as an independent computer system separately from the transaction research function.

The support device 100, the core business system 310, and the core system 510 have, in addition to the hardware configurations described above, a display device such as a liquid crystal display, a CPU that controls the entire device (each unit), and a memory (main storage device). A mouse, a keyboard, a touch panel, an operation input unit such as a scanner, an output unit such as a printer and a speaker, an auxiliary storage device (hard disk or the like), and the like can be provided.

Further, each function of the present invention can be realized by a program, a computer program prepared in advance for realizing each function is stored in the auxiliary storage device, and a control unit such as a CPU is stored in the auxiliary storage device. By reading the program into the main storage device and causing the control unit to execute the program read into the main storage device, the computer device can operate the functions of the respective units of the present invention. On the other hand, each function of the present invention can be configured by an individual control device, or can be configured by connecting a plurality of control devices directly or via a network.

Further, the above program can be provided to a computer in a state of being recorded in a computer-readable recording medium. Computer-readable recording media include optical disks such as CD-ROMs, phase-change optical disks such as DVD-ROMs, magneto-optical disks such as MOs (Magnet Optical) and MDs (Mini Disks), and floppy (registered trademark) disks. Examples thereof include magnetic disks such as removable hard disks, compact flash (registered trademark), smart media, memory cards such as SD memory cards and memory sticks. Further, a hardware device such as an integrated circuit (IC chip or the like) specially designed and configured for the purpose of the present invention is also included as a recording medium.

100 support device 110 communication device 120 control device 121 investigation control unit 121A user side control unit 121B financial institution side control unit 122 data processing unit 123 data push control unit 123A user side push control unit 123B financial institution side push control unit 130 storage device 300 user Terminal (administrative organization)
310 Core Business System (Government Organization)
500 bank terminal (financial institution)
510 Core system (financial institution)

Claims (6)

Accepting a transaction investigation request from an administrative institution to a delinquent person and providing a transaction inspection request to a financial institution, receiving a transaction inspection result for the transaction inspection request from a financial institution, providing the transaction inspection result to an administrative institution, and performing the transaction An investigation control unit that stores the investigation result in a predetermined storage area,
A seizure control that accepts a seizure reservation request sent from an administrative agency when creating a seizure statement for a delinquent or sending a seizure statement to a financial institution, and extracts the transaction survey results of the corresponding delinquent and creates seizure reservation data. Department,
Converting the seizure reservation data into a predetermined format for cooperation with a core system that manages deposit/withdrawal of a transaction account in a financial institution, and generates seizure preparation registration information for registering a seizure execution action by the core system. And a data processing unit,
The foreclosure control unit provides the foreclosure preparation registration information to the financial institution, and receives from the financial institution a foreclosure result that is the result of the foreclosure execution action based on the foreclosure preparation registration information upon receipt of the foreclosure statement, and the foreclosure is performed. A transaction research/seizure support system characterized by providing the results to government agencies. The investigation control unit is a user-side control unit that receives the transaction investigation request from a user terminal on the administrative institution side that manages tax delinquency and a financial institution side that receives the transaction investigation result from a bank clerk terminal on the financial institution side. And a control unit,
The seizure control unit receives the seizure reservation request from the user terminal, extracts the transaction investigation result of the designated delinquent from the predetermined storage area, and generates the seizure reservation data. And a financial institution side seizure control for transmitting the seizure preparation registration information to the clerk terminal and receiving the seizure result from the clerk terminal. Seizure support system. Requested financial institution setting information in which one or a plurality of investigative requested financial institutions that make a transaction investigation request for each administrative institution is set is stored in the predetermined storage area,
When the investigation control unit receives the transaction investigation request, the investigation control unit automatically refers to the requesting financial institution setting information to automatically extract the investigation requesting financial institution of the relevant administrative institution, and the extracted investigation requesting financial institution. Providing the transaction survey request to the institution,
The transaction research/seizure support system according to claim 1 or 2, wherein the requested financial institution setting information includes a financial institution having a residence in an area controlled by an administrative institution. When the investigation control unit receives the transaction investigation request, the investigation control unit uses the financial institution information including the address or residence of the financial institution to identify the financial institution within the predetermined range with respect to the jurisdiction of the administrative institution or the address of the delinquent. The transaction research/seizure support system according to claim 1, wherein the transaction research request is automatically extracted and provided to the extracted research request destination financial institution. A program executed by a computer that provides a transaction research/seizure support function,
Accepting a transaction investigation request from an administrative institution to a delinquent person and providing a transaction inspection request to a financial institution, receiving a transaction inspection result for the transaction inspection request from a financial institution, providing the transaction inspection result to an administrative institution, and performing the transaction A first function of storing the survey result in a predetermined storage area,
A seizure reservation request transmitted from an administrative institution when creating a seizure statement for a delinquent or sending a seizure statement to a financial institution, and extracting the transaction investigation result of the corresponding delinquent to generate seizure reservation data. Function,
Converting the seizure reservation data into a predetermined format for cooperation with a core system that manages deposit/withdrawal of a transaction account in a financial institution, and generates seizure preparation registration information for registering a seizure execution action by the core system. The third function is realized by the computer,
The second function provides the foreclosure preparation registration information to a financial institution, receives a foreclosure result that is a result of the foreclosure execution action based on the foreclosure preparation registration information upon receipt of a foreclosure statement, and receives the foreclosure. A program characterized by providing results to government agencies. A storage unit that stores the transaction investigation result provided by the financial institution that has received the transaction investigation request for the delinquent from the administrative agency,
Accepts a seizure reservation request sent from an administrative agency when creating a seizure statement for a delinquent or sending a seizure statement to a financial institution, and extracts the transaction investigation result of the corresponding delinquent from the storage unit to obtain seizure reservation data. A seizure control unit to generate,
Converting the seizure reservation data into a predetermined format for cooperation with a core system that manages deposit/withdrawal of a transaction account in a financial institution, and generates seizure preparation registration information for registering a seizure execution action by the core system. And a data processing unit,
The foreclosure control unit provides the foreclosure preparation registration information to a financial institution, and receives from the financial institution a foreclosure result that is a result of the foreclosure execution action based on the foreclosure preparation registration information upon receipt of a foreclosure statement, and the foreclosure is performed. A seizure support system characterized by providing the results to government agencies.