JP2022061781A - Debt management support method and debt management support apparatus - Google Patents

Abstract

To effectively reduce a debt collection risk about foreigners.SOLUTION: A debt management support apparatus 100 comprises: a storage device 101 for maintaining each information of foreign customers in the business operator from each system of multiple service companies; and a calculation device 104 for executing the processing for identifying each information of the foreign customers by performing the predetermined name identification processing, the processing for extracting the information of credit and the information corresponding to the debt among the identified information and for tabulating the information with respect to each foreign customer, the processing for settling the debt of the foreign customer by the credit shown by the result of the tabulation, and the processing for outputting the information of the remaining debt or the surplus identified by the settlement.SELECTED DRAWING: Figure 2

Description

The present invention relates to a debt management support method and a debt management support device, and more specifically, to a technique capable of effectively reducing the debt collection risk of a foreigner.

With the globalization of the economy and the introduction of government policies, the number of foreigners who come to Japan to attend school or work is increasing year by year. Such foreigners live in Japan and live their daily lives even for a certain period of time. Therefore, like ordinary Japanese people, various financial transactions such as receiving wages, paying various fees such as electricity, gas, and mobile phones, paying school fees at school, and receiving remittances from family members. There is a need.

As a technique related to such financial services for foreigners, for example, a banking system (patent document) for realizing a scheme in which a payment amount such as salary is transferred to a designated account and a part of the payment amount is automatically remitted overseas. 1) etc. have been proposed.

This technology is a means for inputting data related to transfer requests and overseas remittance requests from the customer side in a bank system consisting of a computer system that executes transfer to the payee's account specified by the customer side and overseas remittance processing. Based on the data input by the input means, the transfer processing means for transferring the transfer amount excluding the amount designated as overseas remittance among the payment amounts to the payee to the designated account, and the input means. Based on the data, the foreign currency amount corresponding to the amount designated as overseas remittance is provided with an overseas remittance processing means for remittance to a designated overseas bank by designating a recipient.

Japanese Patent Application Laid-Open No. 2003-6444

However, there are cases where foreigners who come to Japan leave the country with the debts to be fulfilled (eg, credit card price, service usage fee, etc.). Alternatively, if there is a time lag between the time of departure and the time of processing debts / debts, it is difficult to fulfill the debts and collect the debts (eg, receipt of severance pay) unwillingly in time for departure. There is also a case.

Many of these foreigners do not have a guarantor (family, etc.) in Japan, and it is not realistic to collect debts across national borders in the above cases. This leads to a situation in which the debt collection rate of foreign customers decreases for businesses that have such foreign customers. Then, the cash flow of the business operator may deteriorate, and the business model itself may be forced to change.

From the perspective of the above-mentioned business operators, a policy of avoiding contracts can be created for foreigners who remain uncertain about debt collection. The effects of this contract evasion may extend to well-meaning foreigners who lead a sincere life.

Therefore, an object of the present invention is to provide a technique capable of effectively reducing the debt collection risk related to foreigners.

In the debt management support method of the present invention that solves the above-mentioned problems, the information processing apparatus acquires information of each foreign customer of the plurality of service providers from the systems of each of the plurality of service providers and holds the information in the storage device. By performing a predetermined name identification process between the acquired information, the process of specifying the information of each foreign customer and the information corresponding to the claims and debts from the specified information are extracted and aggregated for each foreign customer. It is characterized by executing a process of settling the debt of the foreign customer based on the claims shown by the result of the aggregation, and a process of outputting information on the remaining bonds or surplus specified by the settlement. do.

Further, the debt management support device of the present invention performs a predetermined name identification process between the storage device that holds the information of each foreign customer in the plurality of service providers from the systems of each of the plurality of service providers and the acquired information. By doing so, the processing to specify the information of each foreign customer, the processing to extract the information corresponding to the claims and debts from the specified information and aggregate for each foreign customer, and the processing indicated by the result of the aggregation. It is characterized by comprising a processing device for settling the debt of the foreign customer and a processing for outputting information on the remaining bonds or surplus specified by the settlement.

According to the present invention, the risk of debt collection related to foreigners can be effectively reduced.

It is a network configuration diagram including the debt management support device of this embodiment. It is a figure which shows the hardware configuration example of the debt management support apparatus of this embodiment. It is a figure which shows the data structure example of the management database of this embodiment. It is a figure which shows the flow example of the debt management support method in this embodiment. It is a figure which shows the flow example of the debt management support method in this embodiment. It is a figure which shows the screen example in this embodiment. It is a figure which shows the screen example in this embodiment. It is a figure which shows the screen example in this embodiment. It is a figure which shows the screen example in this embodiment. It is a figure which shows the screen example in this embodiment. It is a figure which shows the screen example in this embodiment. It is a figure which shows the screen example in this embodiment.

<Network configuration>
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a network configuration diagram including the debt management support device 100 of the present embodiment. The debt management support device 100 shown in FIG. 1 is a computer device that can effectively reduce the debt collection risk related to foreigners.

As an example, the debt management support device 100 can be assumed to be a server device operated by any of domestic financial institutions or a business operator entrusted by such financial institutions. Therefore, it is assumed that the debt management support device 100 can acquire at least account information about foreign customers from the accounting system 20 in each of the plurality of financial institutions. This account information becomes information such as an account balance of a foreign customer and a transaction history, and is stored in the management database 125.

Further, the debt management support device 100 is communicably connected to the customer terminal 200 and the system 300 of each service provider via an appropriate network 10 such as the Internet. Of course, the type of network is not particularly limited as long as it is appropriately secure as required by the debt management support device 100 with respect to such a network environment.

Of these, the customer terminal 200 is a terminal owned by a customer of the above-mentioned financial institution or a foreigner who is a candidate for a customer. More specifically, information processing terminals such as smartphones, tablet terminals, and personal computers are assumed. The foreigner exchanges information with the debt management support device 100 via the customer terminal 200.

Further, the system 300 of each service provider (hereinafter referred to as the operator system) is a system of the operator that provides services to foreigners. These businesses include businesses of infrastructure services that are mainly essential for daily life such as electricity, gas, and water, card companies that provide payment methods necessary for purchasing products and services, and nets that provide telephone and internet lines. Imagine a business operator as an example.

Such a business operator system 300 provides the debt management support device 100 with information on the customer's debt and the service usage status. These information are stored information in the management database 125. In addition, the business operator system 300 can receive money or information for debt settlement in connection with the debt settlement processing of a foreigner by the debt management support device 100.

<Hardware configuration>
Further, the hardware configuration of the debt management support device 100 is as shown in FIG. That is, the debt management support device 100 includes a storage device 101, a memory 103, an arithmetic unit 104, and a communication device 105.

Of these, the storage device 101 is composed of an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive.

Further, the memory 103 is composed of a volatile storage element such as a RAM.

Further, the arithmetic unit 104 is a CPU that executes the program 102 held in the storage device 101 by reading it into the memory 103, etc., to perform integrated control of the apparatus itself, and to perform various determinations, arithmetic operations, and control processes.

The program 102 in this embodiment includes the name identification engine 1021. The name identification engine 1021 has at least a general name identification function, targets information on foreigners obtained from each of the above-mentioned business operator systems 300, and identifies and aggregates information on the same person among them. It becomes a thing.

The general name identification function collects information about the same person and the same ID by using various information such as name, address, telephone number, passport number, residence card number, etc. obtained from multiple information sources as clues. It is a function. Therefore, although not shown in particular, the name identification engine 1021 naturally includes a similar word dictionary for absorbing notational fluctuations, a similar word dictionary for proper nouns that absorbs notational fluctuations in proper nouns such as personal names and place names of each country, and the like. Be prepared for.

Further, the input device 105 is an appropriate device such as a keyboard, a mouse, and a microphone that accepts key input and voice input from the user.

Further, the output device 106 is an appropriate device such as a display and a speaker that displays the processing data in the arithmetic unit 104.

Further, the communication device 105 is a network interface card that is connected to the network 1 and is responsible for communication processing with other devices.

In the storage device 101, at least a management database 125 is stored in addition to the program 102 for implementing the functions required as the debt management support device of the present embodiment. The details of this management database 125 will be described later.

<Example of data structure>
Subsequently, the data used by the debt management support device 100 of the present embodiment will be described. FIG. 3 shows an example of the management database 125 in this embodiment. The management database 125 is a table in which the debt management support device 100 stores information about foreigners acquired from the financial institution's account system 20, the business operator system 300 of each service provider, or the customer terminal 200. However, it is aggregated for each foreigner by the name identification engine 1021 in the debt management support device 100.

The data structure uses the customer ID that uniquely identifies a foreigner as a key, and holds the foreigner's nationality, name (Romaji, Katakana, Kanji), address, status of residence, status of residence, period of stay, place of residence, and possession. Bank account, electricity contract with electric company, gas contract with gas company, net contract with communication line company, credit card held, overseas account, total receivables, total debt, remaining debt , And a collection of records consisting of data such as the estimated remittance amount.

Of these, each value of total receivables, total debt, remaining debt, and planned remittance amount is a value calculated by the debt management support device 100. The total amount of receivables can be calculated, for example, by aggregating the balance of the bank account held by the foreigner. The total debt can be calculated, for example, by aggregating the unpaid amount and the remaining debt amount in the electric contract, the gas contract, the net contract, and the credit card. The remaining debt can be calculated by subtracting the total receivables from the total debts described above. In addition, the estimated remittance amount can be calculated by subtracting the total debt from the above total receivables.

<Flow example: Main flow>
Hereinafter, the actual procedure of the debt management support method in the present embodiment will be described with reference to the figure. Various operations corresponding to the debt management support method described below are realized by a program read by the debt management support device 100 into a memory or the like and executed. Then, this program is composed of the code for performing various operations described below.

FIG. 4 is a diagram showing a flow example of the debt management support method in the present embodiment. Here, it is assumed that a foreigner operates a customer terminal 200 to access the debt management support device 100 and requests registration of a service corresponding to the debt management support method. It is assumed that this foreigner is a customer of a financial institution and also a contractor of services by various service providers.

In this case, the debt management support device 100 receives the escrow service registration request from the above-mentioned foreign customer terminal 200 (s10). The escrow service is a service that corresponds to the debt management support method as described above.

Subsequently, the debt management support device 100 generates an individual ID for the above-mentioned foreign customer (hereinafter, foreign customer) and holds it in, for example, a memory 103 (s11). This individual ID may be a customer ID in the management database 125, but as a premise, it is a higher-level ID that straddles the IDs managed by financial institutions and various service providers for the foreign customer. be.

Next, the debt management support device 100 executes the above-mentioned registration of foreign customers and setting of linkage of usage information with the business operator system 300 of each service provider (s12). In this linkage setting, for example, the name and ID of the foreign customer are obtained from the customer terminal 200, and this is notified to the business operator system 300 as a key for linkage, and the information associated with the key is periodically or at any time. It will require delivery settings.

In response to this request, the business operator system 300 sets a flag for the information of foreign customers managed in its own customer database, etc., and at regular intervals, information on records with the flag set. Is extracted from the customer database or the like and distributed to the debt management support device 100.

Further, the debt management support device 100 collects the information of the foreign customer from each business operator system 300 in accordance with the above-mentioned cooperation setting, and executes the name identification process by the name identification engine 1021 among the different information of those resources. , The information aggregated for each foreign customer through this name identification process is stored in the management database 125 (s13).

Subsequently, the debt management support device 100 aggregates receivables and debts with respect to the above-mentioned foreign customer based on the stored information of the management database 125 generated or updated in s13 (s14). The amount of receivables and the amount of debts aggregated here are the values of "total receivables" and "total debts" in the management database 125.

Further, the debt management support device 100 executes debt settlement and surplus calculation (s15). Debt settlement is a process of calculating the "remaining debt" in the management database 125 by erasing the total debt with the above-mentioned total receivables. In addition, the surplus calculation is a process of subtracting the total debt from the total receivables and calculating the "planned remittance amount" in the management database 125.

When surplus is generated as a result of the above calculation (s16: Y), the debt management support device 100 further determines whether or not the foreign customer has returned to Japan (s17). A specific method for determining whether or not a person has returned to Japan will be described later based on FIG.

As a result of this determination, if the foreign customer has not returned to Japan (s17: N), the debt management support device 100 returns the processing to s14.

On the other hand, as a result of the above determination, when the foreign customer has returned to Japan (s17: Y), the debt management support device 100 executes the remittance process of the surplus calculated in s15 (s18). End the process. At this time, the debt management support device 100 obtains information (screen 1000 in FIG. 6) indicating values such as total receivables, total debts, excess debts (remaining debts), and planned remittance amount obtained for the foreign customer, for example. , It is preferable to transmit to the customer terminal 200 of the foreign customer.

The above-mentioned remittance process of surplus is executed to the overseas account based on the information of the overseas account obtained in advance for the foreign customer.

On the other hand, if no surplus is generated as a result of the above-mentioned determination in s16 (s16: N), does the debt management support device 100 have a remaining bond in the foreign customer, that is, a "remaining debt" in the management database 125? Judgment (s19).

As a result of this determination, when there is no remaining bond (s19: N), the debt management support device 100 ends the processing.

On the other hand, as a result of the above determination, if there is a remaining bond (s19: Y), the debt management support device 100 sets a return alert for the foreign customer (s20) and ends the process. The setting of the alert at the time of returning to Japan corresponds to, for example, a process of setting a predetermined flag in the record of the foreign customer in the management database 125.

In addition, the above-mentioned alert at the time of returning to Japan is information on the remaining bonds calculated for the foreign customer, and is a service provider who has a contract with the foreign customer as (negative) credit information for the foreign customer. Each operator system 300 is notified (screen 1010 in FIG. 7).

<Flow example: Detecting signs of returning to Japan>
Here, a process for detecting the return of a foreign customer will be described. FIG. 5 is a diagram showing a flow example of the debt management support method of the present embodiment. It is assumed that this flow is executed in accordance with the determination of s17 in the above flow example.

In this case, the debt management support device 100 acquires information on the usage status of each service by the foreign customer from the management database 125 (s20). This usage information is, for example, electricity contract, gas contract, net contract, credit card, and other services and information about the contract, such as electricity, gas, net usage, and credit card usage in the most recent predetermined period. Information such as frequency is applicable.

Subsequently, the debt management support device 100 analyzes the frequency or level of use of the service by the foreign customer based on the information obtained in s20 (s21). This analysis is based on the time-series information of the usage amount, for example, that the usage amount of electricity, gas, etc. has decreased sharply after a certain day and has not recovered as it is during the last one month period. It will be analyzed. As a matter of course, it is assumed that the debt management support device 100 holds and can use an engine for such analysis in advance.

As a result of the above analysis, when the frequency of use or the level of use of the service shows a predetermined downward tendency, it is detected as a sign of the return of the foreign customer (s22).

As a result of the above-mentioned detection, when there is a sign of returning to Japan (s22: Y), the debt management support device 100 transitions to s18 of the above-mentioned flow and ends this flow.

On the other hand, when there is no sign of returning to Japan as a result of the above-mentioned detection (s22: N), the debt management support device 100 notifies the customer terminal 2000 of the above-mentioned foreign customer of the instruction for debt settlement (FIG. 8). Screen 1020) (s24).

Further, the debt management support device 100 notifies the service provider system 300 of the sign of the return of the foreign customer (see screen 1030 in FIG. 9) (s25), and ends the process.

The debt management support device 100 is a business of a service provider that holds a claim (in other words, the foreign customer has a debt) with respect to the foreign customer when there is a sign of returning to Japan as described above. It may be possible to send a debt settlement start notification (screen 1040 in FIG. 10) to the person system 300 regarding the foreign customer.

As described above, it is assumed that the debt information held by the foreign customer who is the customer of each service provider is acquired from the corresponding carrier system 300 and stored in the management database 125.

If such an operation is carried out, as a service provider, it is possible to appropriately exercise and incorporate into its own cash flow the receivables that it had for foreign customers but was destined to become a liability in the past. Will be.

For foreign customers who have returned to their home countries with the remaining bonds, an alert will be set when they return to Japan, as already mentioned. Therefore, when the foreign customer re-enters Japan and resumes the use of the service for which information is managed by the management database 125, new information is added to the management database 125 of the debt management support device 100 from the business operator system 300. It will be delivered and stored.

Therefore, the debt management support device 100 can detect that the foreign customer has re-entered the country by detecting the resumption of storage of such new information with respect to the management database 125.

In that case, the debt management support device 100 notifies the service provider system 300 of the fact that the foreign customer has re-entered Japan (see screen 1050 in FIG. 11). Further, the debt management support device 100 notifies the customer terminal 200 of the foreign customer that the debt of the foreign customer remains with respect to a certain service provider and needs to be settled (the debt management support device 100 needs to settle the debt). (See screen 1060 in FIG. 12) is even more suitable.

Upon receiving this notification, the foreign customer clearly recognizes that he has left the debt and returned to Japan without noticing it, and will accelerate his sincere actions including the subsequent settlement.

Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and various modifications can be made without departing from the gist thereof.

According to this embodiment, it is possible to effectively reduce the debt collection risk related to foreigners. This is also expected to have the effect of increasing the motivation and business feasibility of businesses for foreigners. In addition, for good foreigners, it is possible to accurately avoid (unintended) debt neglect due to returning to Japan and to make appropriate payments.

The description herein reveals at least the following: That is, in the debt management support method of the present embodiment, even if the information processing apparatus further executes a process of remittance of the specified surplus to an overseas account that holds information about the foreign customer in advance. good.

According to this, foreigners can efficiently and accurately receive money, which was normally difficult to receive with conventional techniques. As a result, the risk of debt collection for foreigners can be effectively reduced.

Further, in the debt management support method of the present embodiment, the information processing apparatus may execute the remittance of the surplus after the fact that the foreign customer has returned to Japan is detected or estimated.

According to this, it is possible to avoid such a situation and ensure the payment of the surplus, considering that the foreign customer may act to receive the surplus before returning to Japan. As a result, the risk of debt collection for foreigners can be effectively reduced.

Further, in the debt management support method of the present embodiment, the information processing apparatus further executes a process of notifying the system of each service provider of the information of the remaining bonds as credit information regarding the foreign customer. May be.

According to this, each service provider can be informed of the status of the remaining bonds of foreign customers. As a result, the risk of debt collection for foreigners can be effectively reduced.

Further, in the debt management support method of the present embodiment, the information processing device extracts information on the service usage status of the service provider from the information of each foreign customer held by the storage device, and the extraction is performed. If the information provided indicates a tendency for the foreign customer to use the service frequently or at a lower level, the process of detecting the service as a sign of return of the foreign customer and the result of the detection will be applied to the terminal of the foreign customer. On the other hand, the process of instructing and notifying the debt settlement may be further executed.

According to this, it is possible to efficiently detect the return to Japan. As a result, the risk of debt collection for foreigners can be effectively reduced.

Further, in the debt management support method of the present embodiment, the information processing apparatus further executes a process of notifying the system of the service provider of the sign of return of the foreign customer based on the detection result. May be.

According to this, it has become possible to settle accounts payable before returning to Japan for foreign customers who are less reliable from the viewpoint of service providers. As a result, the risk of debt collection for foreigners can be effectively reduced.

10 Network 20 Core banking 100 Debt management support device 101 Storage device 102 Program 1021 Name identification engine 103 Memory 104 Arithmetic device 105 Communication device 125 Management database 200 Customer terminal 300 Business operator system

Claims (7)

Information processing equipment
Information on each foreign customer in the service provider is acquired from the system of each of the multiple service providers and stored in the storage device.
A process of identifying the information of each foreign customer by performing a predetermined name identification process between the acquired information, and a process of identifying each foreign customer.
The process of extracting the information corresponding to the claims and debts from the specified information and totaling it for each foreign customer.
The processing to settle the debt of the foreign customer by the claim shown by the result of the above aggregation,
Processing to output information on the remaining bonds or surplus specified by the above settlement,
Debt management support method to execute. The information processing device
Further executing the process of remittance of the specified surplus to an overseas account that holds information in advance regarding the foreign customer.
The debt management support method according to claim 1, characterized in that. The information processing device
The remittance of the surplus is executed after the fact that the foreign customer has returned to Japan is detected or estimated.
The debt management support method according to claim 2, characterized in that. The information processing device
Further executing a process of notifying the system of each of the service providers of the information of the remaining bonds as credit information regarding the foreign customer.
The debt management support method according to claim 1, characterized in that. The information processing device
From the information of each foreign customer held in the storage device, information on the service usage status of the service provider is extracted, and the extracted information reduces the frequency or level of use of the service by the foreign customer. If a tendency is shown, the process of detecting it as a sign of the return of the foreign customer and
Based on the result of the detection, the process of notifying the terminal of the foreign customer of the debt settlement instruction and
The debt management support method according to claim 1. The information processing device
Processing to notify the system of the service provider of the sign of return of the foreign customer based on the result of the detection.
5. The debt management support method according to claim 5. A storage device that acquires and holds information on each foreign customer in the service provider from the systems of each of the multiple service providers.
By performing a predetermined name identification process between the acquired information, the process of specifying the information of each foreign customer and the information corresponding to the claims and debts from the specified information are extracted, and the information corresponding to the claims and debts is extracted for each foreign customer. An arithmetic device that executes a process of totaling, a process of settling the debt of the foreign customer based on the claim indicated by the result of the total, and a process of outputting information on the remaining bonds or surplus specified by the settlement.
Debt management support device equipped with.

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