JP4280488B2 - Collection agency / collection guarantee system - Google Patents

Description

なお、集金代行・回収保証装置５０での審査の結果、回収保証限度額が与えられない顧客に対して、本システムと異なる現金カード等を発行することは、各販売店の判断において行えることは言うまでもない。
【００３４】
［販売店統括装置２０］
図４は、本実施形態の集金代行・回収保証システムに備えられる販売店統括装置２０の全体構成図である。同図に示す販売店統括装置２０は、サービスステーション（ガソリンスタンド）に揮発油，軽油を含む燃料を卸す燃料元売り業者の本社や本部等に備えられる情報処理装置で、例えば、ワークステーションやサーバコンピュータ，ホストコンピュータ，パーソナルコンピュータ等で構成される。
そして、本実施形態の販売店統括装置２０は、クレジット部側装置３０と計算センタ側装置４０とに別れており、クレジット部側装置３０では、主に共通会員カードの発行処理と、債権譲渡処理及び譲渡対価の支払い処理を行っており、計算センタ側装置４０では、売掛金データの計算処理及び請求書の代行発行処理を行っている。
【００３５】
ここで、本実施形態では、販売店統括装置２０をクレジット部側装置３０と計算センタ側装置４０の二つの装置により構成してあるが、これを一体化した一つの装置とすることも勿論可能であり、また、実行される処理や機能に応じて三つ以上の装置に細分化して構成することもできる。
すなわち、販売店統括装置２０は、各販売店装置１０と集金代行・回収保証装置５０を仲介して債権譲渡及び譲渡対価の支払い処理が行われる限り、一又は二以上の任意の数の装置構成とすることができる。
なお、これらクレジット部側装置３０と計算センタ側装置４０とが互いにデータ送受信可能に接続されていることは勿論である。
【００３６】
［クレジット部側装置３０］
クレジット部側装置３０は、制御部（ＣＰＵ）３１と、記憶部３２，送受信部３３，入出力部３４及びカード発行部３５を備えている。これら、制御部（ＣＰＵ）３１と、記憶部３２，送受信部３３，入出力部３４及びカード発行部３５については、上述した販売店装置１０に備えられるものとほぼ同様である。
ここで、クレジット部側装置３０のカード発行部３５では、本システム上の一又は二以上の各販売店で利用可能な共通会員カードが発行されるようになっている。各販売店装置１０のカード読取り部１６で読み取られ、複数の販売店において売掛取引が行えるようになっている。なお、この共通会員カードの発行にあたっては、販売店統括部における審査（与信審査）が行われることになる。
この共通会員カードにも、上述した各販売店の会員カードと同様、例えば磁気カード等を利用して所定の顧客情報が格納されるようになっており、本実施形態では、集金代行・回収保証業者の与信審査を経て設定される売掛金の回収保証限度額が記憶されるようになっている。また、この共通会員カードに格納された顧客情報についても、各販売店装置１０のカード読取り部１６で読み取られ、記憶部１２の顧客情報が引き出されることで、当該顧客に対する売掛金販売が行われ、また取引停止の処理が行われるようになっている。
【００３７】
［計算センタ側装置４０］
計算センタ側装置４０も、クレジット部側装置３０と同様、制御部（ＣＰＵ）４１と、記憶部４２，送受信部４３，入出力部４４を備えている。これら、制御部（ＣＰＵ）４１，記憶部４２，送受信部４３，入出力部４４は、上述した販売店装置１０やクレジット部側装置３０とほぼ同様のものである。
さらに、計算センタ側装置４０は、請求書発行部４５を備えている。この請求書発行部４５は、各販売店装置１０から送信されて記憶部４２に格納される売掛金データに基づいて、各販売店装置１０に代わって、当該販売店の顧客に対する請求書を代行発行する手段である。なお、この請求書の代行発行は各販売店側からの依頼により任意に実行される処理であり、販売店自らが請求書を発行できることは言うまでもない。
請求書発行部４５で発行される請求書は、本実施形態では、計算センタ側装置４０の入出力部４４から発行され、販売店装置１０に送信，送付され、販売店装置１０から顧客宛に請求書を送付することができ、また、顧客が所有するパーソナルコンピュータや携帯電話機等の情報処理装置に送信できるようになっている。
但し、計算センタ側装置４０から直接顧客宛に請求書データを送信，送付することも勿論可能である。
【００３８】
そして、このようなクレジット部側装置３０及び計算センタ側装置４０を備える販売店統括装置２０では、以下のような機能，処理を実行する手段が備えられている。以下の各手段は、上述した販売店装置１０における各手段と同様、記憶部３２，４２に格納されたプログラムが制御部３１，４１で実行されることによって実現される。
まず、計算センタ側装置４０は、各販売店装置１０から送信される売掛金データを格納し全販売店の売掛金データを管理する手段を有する。これは、送受信部４３を介して受信される全販売店装置１０からの売掛金データが、制御部４１の制御により記憶部４２に格納，更新され、随時読み出され、入出力部４４へ出力されることにより実現される。
また、この記憶部４２に格納，管理される売掛金データは、送受信部４３，３３を介してクレジット部側装置３０の記憶部３２にも格納，管理される。
この売掛金データの受信によって、上述のように当該売掛金の債権が販売店装置１０から販売店統括装置２０側に譲渡されることになる。
【００３９】
そして、クレジット部側装置３０では、全販売店装置１０の売掛金データを集金代行・回収保証装置５０に送信する手段を有している。
これは、記憶部３２に格納されている売掛金情報が制御部３１の制御により読み出され、送受信部３３を介して集金代行・回収保証装置５０に送信されることにより実現される。
このように全販売店の売掛金データが集金代行・回収保証装置５０に送信されることにより、販売店の全売掛金の債権が集金代行・回収保証装置５０側に全額譲渡されることになる。なお、上述したように、この集金代行・回収保証装置５０側への売掛金債権の譲渡は所定日（例えば締月の翌月１４日）に行われる。
また、クレジット部側装置３０は、集金代行・回収保証装置５０から送信される売掛金の回収状況データを管理するとともに、当該回収状況データを該当する販売店装置１０に送信する手段を有している。
これは、送受信部３３を介して受信される集金代行・回収保証装置５０からの回収状況データが記憶部３２に格納，更新されるとともに、制御部３１の制御により回収状況が随時読み出されて、送受信部３３を介して該当する販売店装置１０に送信されることにより実現される。また、この記憶部３２に格納，管理される売掛金データは、送受信部３３，４３を介して計算センタ側装置４０の記憶部４２にも格納，管理される。
【００４０】
そして、クレジット部側装置３０は、各販売店装置１０の売掛金に対し顧客毎の回収保証限度額を上限として支払い処理を行う手段を有している。これは、集金代行・回収保証装置５０で決定され記憶部３２の顧客マスタに格納されている顧客毎の回収保証限度額が制御部３１の制御により読み出され、当該保証限度額内の支払いデータが送受信部３３を介して金融機関６０に送信され、該当する販売店の口座への入金依頼がなされることで実現される。
この支払い処理により、各販売店の売掛金は回収保証限度額の範囲内で債権が回収保証されたことになる。
支払い処理がなされた売掛金については、当該支払いデータが記憶部３２に格納，更新される。また、この記憶部３２に格納，更新される売掛金の支払いデータは、送受信部３３，４３を介して計算センタ側装置４０の記憶部４２にも格納，管理される。
なお、この各販売店１０に対する譲渡対価の支払い処理も、上述のように所定日（例えば締月の翌月１７日）に実行される。支払い処理がなされた売掛金については、記憶部３２のデータが更新される。
【００４１】
ここで、本実施形態のクレジット部側装置３０は、各販売店に対して未払いの回収保証限度額を超える部分の売掛金については、当該顧客の回収保証限度額内の売掛金が集金代行・回収保証装置で回収された場合に、回収保証限度額の範囲内で各販売店装置に対して支払い処理を行う手段を有している。
クレジット部側装置３０では、各販売店の売掛金に対しては、その全額を支払うのではなく、顧客毎に設定される回収保証限度額の範囲で支払いを行うため、各販売店に対しては、回収保証限度額を超える売掛金について未払いの部分が発生する。一方、集金代行・回収保証装置５０からは、債権譲渡した全販売店の売掛金に対してその全額が支払われる。
そこで、本実施形態のクレジット部側装置３０では、各販売店から譲渡された売掛金のうち回収保証限度額を超える部分については、販売店側に直ちに支払わず未払いとしておき、集金代行・回収保証装置５０側での売掛金の回収が進んで回収保証限度額に空きが生じた場合に、その限度額の範囲内で販売店側に支払いを行うようにしている。
この手段は、送受信部３３を介して受信される集金代行・回収保証装置５０からの回収状況データが、制御部３１の制御により記憶部３２に格納，更新され、随時読み出され、顧客毎の回収保証限度額の範囲内での支払いデータが作成され、送受信部３３を介して金融機関６０に送信され、該当する販売店の口座への入金依頼がなされることで実現される。
【００４２】
さらに、クレジット部側装置３０では、集金代行・回収保証装置５０から支払われた回収保証限度額を超える部分の売掛金について、当該売掛金が集金代行・回収保証装置５０で回収されない場合に、集金代行・回収保証装置５０に対して返還処理を行う手段を有している。
クレジット部側装置３０では、集金代行・回収保証装置５０に対して債権譲渡した売掛金の全額について支払いを受けるが、販売店側には、全額を支払わず、回収保証限度額を超える部分については支払いを留保している。そのため、回収保証限度額を超える売掛金について回収不能が発生した場合には、支払いを留保した資金について集金代行・回収保証装置５０側に返還することが可能となる。そこで、本実施形態のクレジット部側装置３０では、集金代行・回収保証装置５０から支払われた譲渡対価のうち、回収保証限度額を超える部分については、回収不能が発生した場合には、その分の対価を集金代行・回収保証装置５０側に返還するようにしている。
【００４３】
この手段は、送受信部３３を介して受信される集金代行・回収保証装置５０からの回収状況データが、制御部３１の制御により記憶部３２に格納，更新され、随時読み出され、回収不能となった売掛金についての返還データが送受信部３３を介して金融機関６０に送信され、該当する集金代行・回収保証業者の口座への入金依頼がなされることで実現される。
なお、この返還処理により、回収不能が生じた債権は集金代行・回収保証装置５０から販売店装置１０側に再譲渡されることになる。従って、回収不能債権については販売店装置１０側で別途回収処理が行われることになる。販売店装置１０側での回収処理は、後述する集金代行・回収保証装置５０で実行される回収処理と同様に、回収すべき金額データを金融機関６０に送信し、該当する顧客の口座からの引落依頼を行うことで実現できる。
【００４４】
［集金代行・回収保証装置］
図５は、本実施形態の集金代行・回収保証システムに備えられる集金代行・回収保証装置の全体構成図である。同図に示す集金代行・回収保証装置５０は、法人又は個人の顧客に対する与信業務を行う信販会社や金融会社のオフィス等に備えられる情報処理装置で、例えば、ワークステーションやサーバコンピュータ，ホストコンピュータ，パーソナルコンピュータ等で構成される。
具体的には、集金代行・回収保証装置５０は、制御部（ＣＰＵ）５１と、記憶部５２，送受信部５３及び入出力部５４を備えており、これらは、上述した販売店装置１０や販売店統括装置２０に備えられるものとほぼ同様である。
そして、このような構成からなる集金代行・回収保証装置５０では、以下のような機能，処理を実行する手段が備えられている。以下の各手段は、上述した販売店装置１０，販売店統括装置２０における各手段と同様、記憶部５２に格納されたプログラムが制御部５１実行されることで実現される。
【００４５】
まず、集金代行・回収保証装置５０は、各販売店装置１０から送信される顧客情報に基づき顧客毎の回収保証限度額を決定する手段を有している。具体的には、集金代行・回収保証装置５０は、各販売店装置１０からの申請データに基づき、当該顧客に対する回収保証限度額を決定し、当該決定結果を販売店装置１０に直接送信する手段をしている。これは、各販売店装置１０で受け付けられた売掛金取引を申請する顧客の申請データを、各販売店装置１０との間で直接送受信して、申請に係る顧客の審査（与信審査）を迅速に行うための手段である。
与信審査処理は、まず、販売店装置１０で受け付けられ会員カード発行の申込書に記載されたデータが送受信部５３を介して受信され、制御部５１の制御により当該データを記憶部５２の顧客マスタに格納される。そして、当該データが入出力部５４から出力されるとともに、記憶部５２に備えられる図示しない与信審査用データベースのデータと適宜比較，参照され、審査が行われる。審査の結果（カード発行の諾否，回収保証される限度額等）は、記憶部５２の顧客マスタ５２に格納されるとともに、送受信部５３を介して販売店装置１０に直接送信される。これにより、販売店装置１０との間で迅速な会員申込み処理，カード発行処理が行われることになる。
なお、与信審査の結果付与される回収保証の限度額は、上述したように、本システムが適用される販売店の業種や販売される商品や提供サービスの内容、顧客の希望取引額等に応じて設定される。また、限度額の設定の仕方は、例えば、月単位の取引額に数ヶ月分の月数を乗じた額に設定することができる。
【００４６】
また、集金代行・回収保証装置５０は、販売店統括装置２０から送信される全販売店装置１０ａ〜１０ｎの売掛金データを格納し管理する手段を有している。これは、送受信部５３を介して受信される販売店統括部２０からの売掛金データが、制御部５１の制御により記憶部５２に格納，更新され、随時読み出され、入出力部５４へ出力されることにより実現される。
この売掛金データの受信により、上述のように当該売掛金の債権が販売店統括装置２０から集金代行・回収保証装置５０側に譲渡されることになる。
また、集金代行・回収保証装置５０は、販売店統括装置２０に対し全販売店装置の売掛金の全額の支払い処理を行う手段を有している。
これは、販売店統括装置２０から送信され記憶部５２に格納されている顧客毎の債権譲渡された売掛金データが制御部５１の制御により読み出され、当該売掛金全額の支払いデータが送受信部５３を介して金融機関６０に送信され、該当する販売店の口座への入金依頼がなされることで実現される。支払い処理がなされた売掛金については、当該支払いデータが記憶部５２に格納，更新される。
この売掛金の支払い処理により、販売店装置１０で発生した売掛金債権の回収保証がなされたことになる。
【００４７】
また、集金代行・回収保証装置５０は、当該支払い処理が行われた売掛金について顧客に対する回収処理を行う手段を有している。これは、記憶部５２に格納されている支払い処理された売掛金データが制御部５１の制御により読み出され、回収処理されるべき金額データが送受信部５３を介して金融機関６０に送信され、該当する顧客の口座からの引落依頼がなされることで実現される。引落処理がなされた売掛金については、当該引落データが記憶部５２に格納，更新される。
この回収処理により売掛金の集金代行が完了することになる。
さらに、集金代行・回収保証装置５０は、顧客からの売掛金の回収状況を管理するととともに、当該回収状況データを販売店統括装置２０に送信する手段を有している。これは、送受信部５３を介して受信される金融機関６０からの引落結果データに基づく回収状況データが記憶部５２に格納，更新されるとともに、制御部５１の制御により回収状況が随時読み出されて、送受信部５３を介して該当する販売店統括装置２０に送信されることにより実現される。
【００４８】
次に、以上のような構成からなる本実施形態に係る集金代行・回収保証システムの動作について、図６〜図１４を参照しつつ説明する。
なお、以下の説明では、上述した販売店装置１０を「販売店」、販売店総括装置２０を「販売店総括部」、集金代行・回収保証装置５０を「信販会社」と略称する。
［取引申請・カード発行処理］
まず、本システムにおける取引申請・カード発行処理について説明する。
図６は、本実施形態に係る集金代行・回収保証システムにおいて取引申請及びカード発行処理が行われる場合の処理の流れを模式的に示した説明図である。
同図に示すように、取引申請は、まず、販売店が顧客より申込書を取得し、当該申込書に記載された申込みデータを信販会社に送信する。信販会社では、審査の結果、事故等の問題がない顧客には与信決定をし、回収保証限度額を設定するとともに会員コードを付与して、そのデータを販売店に送信する。この段階では、迅速な取引申請処理を行うために、申込みはデータやＦＡＸのみでやり取りされる。従って、会員コード付与後は、正式な申込書類や免許証の写し等の必要書類が別途郵送等により信販会社に送付される。申請された内容は、信販会社の顧客マスタに登録されるともに、販売店統括部にも送信され、クレジット部及び計算センタの顧客マスタに登録される。
【００４９】
販売店では、回収保証限度額が設定された顧客情報が顧客マスタに登録され、当該顧客に対して販売店が発行する会員カード（掛カード）が発行させる。
また、販売店では、販売店統括部で発行される複数販売店で利用可能な共通会員カード（共通カード）の申込みも受け付けられ、当該共通カードの申込みデータが販売店総括部の計算センタで受け付けられ、顧客情報が顧客マスタに登録され、所定の手続を経て販売店統括部のクレジット部で共通カードが発行される。発行された共通カードは、販売店を経由して顧客に提供され、又は顧客に対して直接郵送等により提供されることになる。
【００５０】
［集金代行・回収保証処理］
次に、本システムにおける集金代行・回収保証処理について説明する。
図７は、本実施形態に係る集金代行・回収保証システムにおける集金代行及び回収保証処理が行われる場合の処理の流れを模式的に示した説明図である。なお、以下に示す集金代行・回収保証処理における売掛金の処理単位（月末締）や処理日数（何営業日），送金日や引落日（翌月１７日，翌々月６日），取引金額等は一例であって、特にこれに限定されないことは勿論である。
まず、各販売店で顧客に対する売掛取引があった場合、当該取引に係る売掛金データが販売店統括部の計算センタに送信される。
計算センタでは、毎月の月末締めで請求書を作成し、当該請求書を販売店に送信，送付し、販売店から顧客に請求書が送付，送信される。なお、計算センタによる請求書発行は販売店の判断で選択することができ、請求書発行を販売店自らが行うこともできることは上述した通りである。
計算センタでは、請求書が発行された売掛金データを引落データとして登録し、当該引落データをクレジット部に第二営業日に送信する。
クレジット部では、当該引落データを登録するとともに、翌第三営業日に所定の追加データ（例えば販売店コードや信販会社用の会員コード等）を付加し、第四営業日に信販会社に送信する。
【００５１】
信販会社では、送信された引落データを格納し、当該データに基づき販売店統括部のクレジット部に対し送金処理（売掛金の全額支払い）を行い、クレジット部では、販売店に対して翌月１７日に回収保証限度額の範囲内で送金処理（売掛金の回収保証限度額内の支払い）を行う。これにより、販売店に対する債権の回収保証処理が完了する。
クレジット部では、販売店に送金処理されたデータを入出金データとして格納し、当該データを計算センタに送信する。
その後、信販会社は、翌々月６日に、金融機関の顧客の口座より請求金額の引落処理を行う。これで集金代行処理が完了する。
以上の集金代行・回収保証処理の流れを図８に示すと、販売店の６月分売上げについては信販会社より翌月１７日（７月１７日）に入金が行われ、翌々月６日（８月６日）に顧客の口座から引落が行われる。
同様にして、販売店の７月分売上げについては信販会社より翌月１７日（８月１７日）に入金が行われ、翌々月６日（９月６日）に顧客の口座から引落が行われることになる。
【００５２】
ここで、販売店の売上げ（売掛金）と回収保証される保証限度額の関係を図９に示す。図９に示す例では、上述した表の例の「月額２０万円コース、保証限度額８０万円」の場合となっている。
この例では、まず、図９（ａ）に示す場合には、６〜８月分の売上げ（売掛金）は各月２０万円ずつで合計金額が６０万円であり、保証限度額８０万円以内となっているので、販売店には売上げ金額の全額が毎月信販会社から入金されることになる。
一方、図９（ｂ）に示す場合には、６〜８月分の売上げ（売掛金）の合計金額が９０万円となっており、保証限度額８０万円以内となっているので、保証限度額を超えることになった８月分の売上げについては全額入金はされず、保証限度額の範囲内となる２０万円が信販会社から入金されることになる。
【００５３】
以上のような販売店の売上げ（売掛金）と保証限度額の関係を、さらに場合を分けてより具体的に示すと図１０〜図１２のようになる。
図１０に示す例は、売上額が保証限度額を超えず、かつ、顧客口座から正常に引落が行われたときに、販売店に通常入金が行われる場合を示している。
この場合には、売上額の合計が常に保証限度額８０万円の範囲内であり、顧客の口座からの引落も常に正常に行われているため、販売店には売上げ金額の全額が毎月信販会社から入金される。
【００５４】
図１１に示す例は、売上額が単月で保証限度額を超え、かつ、顧客口座から正常に引落が行われときに、販売店に保証限度超過分が翌月に入金される場合を示している。
この場合では、６月単月の売上げが１００万円であり、保証限度額８０万円を超えているので、翌７月１７日の販売店への入金は保証限度額の範囲内の８０万円となる。このとき、信販会社から販売店統括部へは１００万円が入金されており、差額の２０万円は販売店統括部で支払い留保され、預かり金としてプールされることになる。そして、翌８月６日に顧客の口座から売上額１００万円が全額引落になったので、その時点で売上額は０円となり保証限度額の範囲内となるので、販売店に対し未払いとなっていた差額の２０万円が翌月の入金日（８月１７日）に入金されることになる。
また、７月分の売上げ７０万円は保証限度額８０万円の範囲内なので、翌８月１７日に販売店に入金される。
【００５５】
図１２に示す例では、顧客口座からの未引落が発生したときに、保証限度額の範囲内で販売店に入金が行われる場合を示している。
この例では、６月分の売上げ５０万円は保証限度内なので翌７月１７日に販売店に対して全額入金されるが、８月６日の顧客口座からの引落がなされないために、売上額は５０万円のままとなる。
このため、７月分の売上げ４０万円については、６月分の５０万円と合わせて保証限度額内となる３０万円が販売店に入金されることになる。このとき、信販会社から販売店統括部へは４０万円が入金されており、差額の１０万円が販売店統括部で支払い留保されてプールされることになる。
その後、引落がされなかった６月分の５０万円について８月２０日に顧客から振り込みが入り、さらに９月６日の顧客口座からの引落によって７月分の４０万円が引き落とされ、この時点で売上額は０円となり保証限度額の範囲内となるので、販売店に対し未払いとなっていた差額の１０万円が同月の入金日（９月１７日）に入金されることになる。
【００５６】
［取引停止処理］
次に、本システムにおける取引停止処理について説明する。
図１３は、本実施形態に係る集金代行・回収保証システムにおける取引停止処理が行われる場合の処理の流れを模式的に示した説明図である。なお、以下の取引停止処理で示す処理日や金額等も、上述の集金代行・回収保証処理の場合と同様一例であり、特に限定されるものではない。
まず、信販会社は、顧客口座の引落結果データを販売店統括部のクレジット部に対して毎翌々月１０日に送信する。クレジット部では、信販会社から送信されるデータに基づいて未引落顧客リストを作成し、未引落顧客データを販売店に送信する。信販会社では、未引落顧客に対しては、例えば振込用紙を送付する等して支払いの督促を行う。督促の結果、売上げ月の翌々月２０日までに入金（支払い）がなかった顧客に対しては、信販会社は取引停止を決定しそのデータを格納するとともに、当該取引停止データを売上げ月の翌々月２５日までに販売店統括部のクレジット部に送信する。
販売店統括部のクレジット部では、まず、当該取引停止に係る顧客が共通カードを保有している場合には、その共通カードの利用禁止登録（給禁登録）を行う。
また、取引停止顧客リストを作成し、取引停止顧客データを販売店に送信する。
販売店では、当該取引停止顧客データを格納し、当該データに基づきリストを作成し、取引停止に係る顧客が当該販売店の会員カードを保有している場合には、
その会員カード（掛カード）の利用禁止登録処理（掛給禁登録）を行う。
【００５７】
以上のような取引停止処理が行われる場合を、さらに具体的に示すと図１４のようになる。
図１４に示す例は、６月分の売上げについて、８月６日の顧客口座からの引落がなされないため、当該顧客に対して督促が行われる。その後、売上げ月の翌々月２０日（８月２０日）までに入金（支払い）がなされないため、信販会社は当該顧客に対して取引停止を決定し、当該取引停止データを売上げ月の翌々月２５日（８月２５日）までに販売店統括部のクレジット部に送信する。
なお、取引停止決定前に行われた売上げについては、販売店に対して入金が行われるため、図１４に示す例では、８月分の売上げが９月１７日に入金される場合がある。
【００５８】
以上説明したように、本実施形態に係る集金代行・回収保証システムによれば、まず、売掛販売を行う販売店側は、集金代行業者として顧客に対する与信業務を行う信販会社等が入ることにより、売掛金の管理負担，集金負担がなくなるだけでなく、一定の保証限度額の範囲内で売掛金の回収が保証されることになり、貸倒れリスクが解消され、安心して売掛販売を行うことができる。また、債権譲渡した売掛金に対する支払いが一定期間内（例えば翌月等）に行われるため、売掛債権を早期に現金化でき、手元流動比率を高めて資金の効率化を図ることができる。これにより、会員カード等による売掛販売を積極的に行うことができ、優良顧客の獲得，確保による増客，増収を実現することができる。
各販売店を統括する販売店統括部側でも、各販売店の貸倒リスクが解消され、資金効率が高められることで、個々の販売店における優良顧客の獲得，確保による増客，増収が期待でき、安定した経営基盤を構築することができるようになる。
さらに、集金代行・回収保証業者においては、販売店を統括する本社，本部，親会社等の販売店統括部が間に入ることにより、個々の販売店に対する与信を行う必要がなくなり、集金代行業者側に生ずる売掛金の回収不能のリスクを回避できるとともに、各販売店が有する多数の売掛顧客を与信顧客として確実に獲得することができ、リスクやコストを発生させることなく新規顧客を獲得，増員することが可能となる。
【００５９】
以上、本発明の集金代行・回収保証システムについて、好ましい実施形態を示して説明したが、本発明に係る集金代行・回収保証システムは、上述した実施形態にのみ限定されるものではなく、本発明の範囲で種々の変更実施が可能であることは言うまでもない。
例えば、上述した実施形態では、本システムを適用できる対象の一例としてガソリンのサービスステーションと燃料元売り業者及び信販会社を挙げたが、本発明の対象がこれらのみに限定されないことは勿論である。すなわち、本発明の集金代行・回収保証システムは、売掛販売を行う販売店と、複数の販売店を統括する別法人の本部や本社，親会社等を備える組織であれば、販売店や統括部の業種や取扱商品やサービス内容は特に限定されるものではない。
【００６０】
売掛販売を行う販売店としては、上述したガソリンのサービスステーションの他に、例えば、コンビニエンスストアに代表されるフランチャイズ店，クリーニング店，牛乳販売店，新聞専売所，各種レンタル店（モップやマット，浄水器等），酒販店，本屋，薬屋等がある。
また、販売店を統括する販売店統括部としては、販売店とは別法人であればどのような組織，形態であっても良く、例えば、メーカー，卸業者，フランチャイズの本部等がある。
また、集金代行・回収保証を行う業者も、信販会社のみに限定されるものではなく、例えば、クレジット会社や金融機関（銀行，信用金庫等），消費者金融等がある。
これらの業種，業者についても本発明の集金代行・回収保証システムを適用できることは言うまでもない。
【００６１】
【発明の効果】
以上説明したように、本発明の集金代行・回収保証システムによれば、集金代行業者として顧客に対する与信業務を行う信販会社，金融会社等が入ることにより、各販売店側の売掛金の管理負担，回収負担を削減すると同時に、資金の効率化と貸倒れリスクの解消を図ることが可能となり、優良顧客の獲得，確保による増客，増収を実現できる。
また、各販売店，加盟店等を統括する本社，本部，親会社等が各販売店と集金代行業者の間に入ることで、集金代行業者側に生ずる売掛金の回収不能のリスクを回避でき、販売店を統括する本社，本部等も各販売店の増客，増収と貸倒れリスクの解消による安定した経営基盤を構築することができる。
これにより、例えば、一社の元売り業者のもとに多数の販売店（加盟店）が組織されるガソリン（揮発油，軽油を含む）燃料販売のサービスステーション（ガソリンスタンド）のような組織に好適な集金代行・回収保証システムを実現することができる。
【図面の簡単な説明】
【図１】本発明の一実施形態に係る集金代行・回収保証システムにおける全体の処理の流れを模式的に示す説明図である。
【図２】本発明の一実施形態に係る集金代行・回収保証システムの全体構成図である。
【図３】図１に示す集金代行・回収保証システムに備えられる販売店装置の一実施形態を示す全体構成図である。
【図４】図１に示す集金代行・回収保証システムに備えられる販売店統括装置の一実施形態を示す全体構成図である。
【図５】図１に示す集金代行・回収保証システムの集金代行・回収保証装置の一実施形態を示す全体構成図である。
【図６】本発明の一実施形態に係る集金代行・回収保証システムにおける取引申請及びカード発行処理が行われる場合の処理の流れを模式的に示した説明図である。
【図７】本発明の一実施形態に係る集金代行・回収保証システムにおける集金代行及び回収保証処理が行われる場合の処理の流れを模式的に示した説明図である。
【図８】図７に示す集金代行及び回収保証処理が行われる場合の入金及び引き落とし状況の一例を示す説明図である。
【図９】本発明の一実施形態に係る集金代行・回収保証システムにおいて行われる回収保証される売上額と保証限度額の関係を模式的に示す説明図で、（ａ）は売上額が保証限度額を超えない場合、（ｂ）は売上額が保証限度額を超える場合を示している。
【図１０】図７に示す集金代行及び回収保証処理が行われる場合の入金及び引き落とし状況の一例を示す説明図で、売上額が保証限度額を超えず、かつ、顧客口座から正常に引落が行われたときに、販売店に通常入金が行われる場合を示している。
【図１１】図７に示す集金代行及び回収保証処理が行われる場合の入金及び引き落とし状況の一例を示す説明図で、売上額が単月で保証限度額を超え、かつ、顧客口座から正常に引落が行われときに、販売店に保証限度超過分が翌月に入金される場合を示している。
【図１２】図７に示す集金代行及び回収保証処理が行われる場合の入金及び引き落とし状況の一例を示す説明図で、顧客口座からの未引落が発生したときに、保証限度額の範囲内で販売店に入金が行われる場合を示している。
【図１３】本発明の一実施形態に係る集金代行・回収保証システムにおける取引停止処理が行われる場合の処理の流れを模式的に示した説明図である。
【図１４】図１３に示す取引停止処理が行われる場合の支払い状況の一例を示す説明図である。
【符号の説明】
１０（１０ａ〜１０ｎ） 販売店装置
２０ 販売店統括装置
３０ クレジット部側装置
４０ 計算センタ側装置
５０ 集金代行・回収保証装置[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a collection agency system that is used when a collection agency collects and collects accounts receivable for customers in retail stores, sales outlets, and the like.
In particular, the present invention reduces the burden of managing and recovering accounts receivable at each retailer by entering a credit sales company, a financial company, etc. that performs credit operations for customers as a collection agency, while at the same time increasing the efficiency of funds and credit losses. It is possible to eliminate risks, increase the number of customers and increase sales by acquiring and securing excellent customers, and the head office, headquarters, parent company, etc., which supervises each dealer, member store, etc., collect money with each dealer. By entering between vendors, the risk of uncollectible accounts receivable occurring on the collection agent side can be avoided, and the headquarters, headquarters, etc., which oversees the dealers, are stable by increasing the number of customers at each dealership, increasing revenues and eliminating the risk of credit loss A collection agency / collection guarantee system suitable for accounts receivable sales at a service station (gas station) that sells fuel containing volatile oil, light oil, etc. .
[0002]
[Prior art]
In retail stores and retail stores that sell products and provide services, it is common practice to perform receivable sales (credit transactions) that later charge the sales price to trusted customers or high-quality customers. Yes.
For example, at a service station (gas station) that sells fuel containing volatile oil and light oil, a member card is issued to the customer to register as a member. The fuel etc. are sold by.
Such accounts receivable leads to securing fixed customers and is expected to generate stable profits. In addition, for corporate customers with accounts receivable, it is possible to secure an appropriate margin by holding the discount rate lower than individual customers selling cash. Therefore, the acquisition and maintenance of excellent corporate customers is extremely important in terms of business strategy not only for each dealer, but also for fuel distributors who wholesale fuel to service stations.
[0003]
On the other hand, for sales receivables, after sales, invoices, etc. are created and sent to the customer to notify the invoiced amount, management of whether the invoiced amount is received from the customer, and collection is made to the customer as necessary. It was necessary to manage the accounts receivable and collect the money, such as requesting if the money was not paid. For this reason, there is a problem that the cost of managing and collecting the accounts receivable increases, especially in a store having many customers such as a gasoline service station.
Therefore, in order to reduce the work burden for management and collection of such accounts receivable, a method of entrusting collection (collection) of accounts receivable to a specialized collection agency has been proposed (for example, see Patent Document 1). ).
Employing the proxy collection method of accounts receivable by such a price collection company eliminates the burden of collection and management work on accounts receivable at each sales outlet, which has the advantage of reducing the cost accordingly.
[0004]
[Patent Document 1]
JP 2000-090359 A (page 6-7, FIG. 1)
[0005]
[Problems to be solved by the invention]
However, simply entrusting the collection of accounts receivable as described above to an agent has inherent risks and disadvantages such as credit losses and lack of liquid funds. Accounts receivable bears the risk of bad debt that makes it impossible to collect sales due to poor business conditions or bankruptcies, etc., and unlimited sales receivables will cause damage to dealers and former sellers. Become.
There is also a problem that holding a large number of accounts receivable causes a shortage of liquid funds on hand, making it difficult to improve the efficiency of funds.
For this reason, the conventional method of collecting accounts receivable simply by entrusting the collection work of accounts receivable to an agent does not avoid the risk of accounts receivable loss or increase the efficiency of funds. This was a cause of reluctance of accounts receivable sales.
[0006]
The present invention has been proposed in order to solve such problems of the conventional technology. As a collection agent, a credit sales company, a financial company, etc., which performs credit operations for customers, enter each dealer side. It is possible to reduce the burden of managing and collecting accounts receivable at the same time, while at the same time improving the efficiency of funds and eliminating the risk of bad debts, increasing the number of customers and increasing revenue by acquiring and securing excellent customers. The headquarters, headquarters, parent company, etc. that supervise member stores, etc. enter between each dealer and the collection agency, thereby avoiding the risk of uncollectible accounts receivable on the collection agency side. The headquarters etc. will also be able to build a stable management base by increasing the number of customers at each dealership, increasing revenues and eliminating the risk of bad debts, especially service stations that sell fuels including volatile oil and light oil (gasoline And an object thereof is to provide a suitable collection agency and collection guarantee system to the accounts receivable sales in command).
[0007]
[Means for Solving the Problems]
To achieve the above object, the present invention of The collection agency / collection guarantee system consists of a dealer device that is provided in a dealer that handles sales to customers, a dealer management device that is provided in a dealer management department that supervises one or more dealers, and each sales A collection agency / collection guarantee device provided in a collection agency / collection guarantee company that collects and guarantees the collection of accounts receivable at the store, and has a dealer apparatus, a sales agency control device, and a collection agency / collection guarantee apparatus, Connected to each other via a communication line, the store apparatus has means for managing predetermined customer information including account receivable data for each customer, and means for transmitting account receivable data for each customer to the store management apparatus. The store management device stores the accounts receivable data transmitted from each store device, manages the account receivable data of all the stores, and transmits the account receivable data of all the store devices to the collection agency / collection guarantee device And each sale It has means to perform payment processing for the accounts receivable up to the collection guarantee limit for each customer, and the collection agency / collection guarantee device is based on the customer information transmitted from each dealer's device and collects the collection guarantee limit for each customer. Means for determining the amount, means for storing and managing the accounts receivable data of all the dealers devices transmitted from the dealer supervising device, and means for performing the payment processing of all the accounts receivable of all the dealers to the dealer supervising device And a means for performing a collection process for the customer on the accounts receivable for which the payment process has been performed.
[0008]
According to the collection agency / collection guarantee system of the present invention having such a configuration, first, a sales side that performs sales of accounts receivable receives a credit sales company or the like that performs credit operations for customers as a collection agency. In addition to eliminating the management burden and collection burden, the collection of accounts receivable is guaranteed within a certain guarantee limit, which eliminates the risk of bad debts and enables sales of accounts receivable with peace of mind. In addition, since the receivables transferred are receivable within a certain period (for example, the following month), the receivables can be quickly cashed and the cash flow ratio can be increased to increase the efficiency of funds. As a result, sales of accounts receivable with membership cards and the like can be actively carried out, and an increase in customers and an increase in sales can be realized by acquiring and securing excellent customers.
[0009]
In addition, the dealer headquarters that manages each dealership also eliminates the risk of bad debts at each dealership and raises the efficiency of funds, thereby increasing the number of customers and sales by acquiring and securing excellent customers at each dealership. Can be expected to build a stable management base.
In addition, the collection agency / collection guarantee company does not need to provide credit to individual dealers by having the head office, headquarters, parent company, etc. In addition to avoiding the risk of uncollectible accounts receivable, it is possible to reliably acquire a large number of accounts receivable from each dealer as credit customers, and acquire and increase new customers without incurring risks and costs. It becomes possible.
[0010]
And Of the present invention The collection agency / collection guarantee device has a means to manage the collection status of accounts receivable from customers and to send the collection status data to the dealer management device. In addition to managing the collection status data of the receivables that are sent, the collection device has means for transmitting the collection status data to the corresponding store apparatus, and the store apparatus manages the collection status data transmitted from the store management apparatus. The apparatus has a means for monitoring the collection status of accounts receivable by customer.
further, Of the present invention The dealer apparatus is configured to have means for stopping transactions for the customer based on the collection status of accounts receivable by customer.
[0011]
According to the collection agency / collection guarantee system of the present invention having such a configuration, the collection status of the customer managed and grasped by the collection agency / collection guarantee apparatus is immediately sent to each dealer apparatus via the dealer department. It becomes possible to manage the transaction, and it is possible to quickly carry out processing such as a transaction stop for a bad customer or the like whose accounts receivable are not collected.
As a result, it is possible to prevent the occurrence of uncollectible accounts receivable, and it is possible to maintain and expand the sound management contents at each dealer and dealer management department.
[0012]
Also, Of the present invention The retailer management device collects the portion of the receivables that exceed the unpaid collection guarantee limit for each dealer when the receivable within the collection guarantee limit for the customer is collected by the collection agency / collection guarantee device. It is configured to have means for performing payment processing for each store apparatus within the guaranteed limit amount.
And Of the present invention If the sales receivable is not collected by the collection agency / collection guarantee device for the portion of the accounts receivable exceeding the collection guarantee limit paid by the collection agency / collection guarantee device, Thus, there is provided a means for performing return processing.
[0013]
According to the collection agency / collection guarantee system of the present invention having such a structure, the portion exceeding the collection guarantee limit of the accounts receivable transferred from the dealer was paid from the collection agency / collection guarantee apparatus. After that, when the dealer management device is in between, payment to each dealer device is reserved, and when there is a vacancy in the collection guarantee limit amount, payment processing is performed for each dealer device. .
As a result, when an uncollectible account receivable exceeding the collection guarantee limit is generated, the funds reserved for payment can be returned to the collection agency / collection guarantee apparatus. As a result, risk can be diversified, and in particular, the expansion of damage on the collection agency / collection guarantee limit device side can be minimized.
[0014]
Also, Of the present invention The retail store equipment has a means to directly send the data of the application for collection of guarantees for accounts receivable by customer directly to the collection agency / collection guarantee equipment. The collection agency / collection guarantee equipment is based on the application data from each dealer equipment. The collection guarantee limit amount for the customer is determined, and the determination result is directly transmitted to the store apparatus.
[0015]
According to the collection agency / collection guarantee system of the present invention having such a configuration, the collection guarantee / recovery guarantee apparatus 50 for receiving the application and the collection agency / collection guarantee apparatus 50 that performs credit examination for the data on the collection guarantee limit application for accounts receivable. Can be transmitted / received directly to / from the terminal, and quick membership application processing and card issuance processing can be realized in the store apparatus.
[0016]
Also, Of the present invention The dealer supervision apparatus has a means for issuing a bill on behalf of the account receivable data transmitted from each dealer apparatus.
[0017]
According to the collection agency / collection guarantee system of the present invention having such a configuration, based on the accounts receivable data transmitted from each dealer apparatus, a bill is issued in a lump in the calculation center on the dealer management apparatus side, The invoice data can be transmitted to each corresponding store apparatus side. As a result, it is possible to reduce the burden of creating and issuing bills individually performed at each dealer apparatus, and to perform efficient bill issuing processing.
[0018]
Also, Of the present invention The dealer apparatus is configured to have a means for issuing a membership card storing predetermined customer information including an account receivable guarantee limit to a customer and a means for reading the predetermined customer information stored in the membership card. .
Also, Of the present invention The retail store management device has a means for storing predetermined customer information including an account receivable guarantee limit for a customer and issuing a common membership card that can be used by one or more retail store devices. The apparatus is configured to have means for reading predetermined customer information stored in the common member card.
[0019]
According to the collection agency / collection guarantee system of the present invention having such a configuration, a member card unique to each dealer or a common member card that can be used at a plurality of dealers is used for sales receivable sales in this system. This makes it possible to operate the system more efficiently by utilizing a membership card that can store predetermined customer information including information on the collection guarantee limit for accounts receivable.
[0020]
And Of the present invention The dealer with the dealer equipment is a service station that sells fuel containing volatile oil and light oil. The dealer headquarters with the dealer supervision equipment wholesales fuel containing volatile oil and light oil to the service station. A collection agency / collection guarantee company that is a seller and includes a collection agency / collection guarantee device is a credit sales company that performs credit operations for customers.
[0021]
As described above, according to the collection agency / collection guarantee system of the present invention, gasoline (including volatile oil and light oil) fuel sales in which a number of dealers (members) are organized under one former dealer. A credit sales company that performs credit operations can be allowed to participate as a collection agent / collection guarantee company for accounts receivable sales at service stations (gas stations).
As a result, for service stations that have a large number of accounts receivable customers, it is possible to reduce the burden of managing and collecting accounts receivable while improving the efficiency of funds and eliminating the risk of bad debts. , It is possible to provide an unprecedented superior management system that can increase customers and increase sales by securing.
[0022]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, a preferred embodiment of a collection agency / collection guarantee system according to the present invention will be described with reference to the drawings.
[System configuration]
First, with reference to FIGS. 1-5, the specific structure of the collection agency / collection guarantee system which concerns on one Embodiment of this invention is demonstrated.
FIG. 1 is an explanatory diagram schematically showing the overall processing flow in a collection agency / collection guarantee system according to an embodiment of the present invention. FIG. 2 is an overall configuration diagram of the collection agency / collection guarantee system according to the present embodiment.
As schematically shown in FIG. 1, the collection agency / collection guarantee system according to the present embodiment includes a store (member store) 10 that performs sales (sales) for customers (members) 1 and a plurality of sales. The dealership management department (former dealer) 20 that supervises the shop 10 and the collection agency / collection guarantee dealer (credit sales company) 50 that performs the collection agency and collection guarantee of the accounts receivable of each dealer 10 10 accounts receivable receivables are transferred and the consideration is paid, and the accounts receivable related to the receivables are collected from the customer 1 to the collection agency / collection guarantee company 50 through the financial institution (bank) 60. .
[0023]
Specifically, in the present system, as shown in FIG. 1, first, the store 10 aggregates the usage fee used by the customer 1 as a receivable in a predetermined unit (for example, closing at the end of each month), and the receivable is calculated on a predetermined date. (For example, on the 14th of the month following the closing month) the receivables are transferred to the sales department supervision department 20. An invoice is issued and sent to the customer 1, and the customer 1 pays the money to his / her own account of the financial institution (bank) 60 by a predetermined date (for example, 6th month after the closing month).
The sales department supervision section 20 transfers the accounts receivable transferred from each sales shop 10 to a collection agency / collection guarantee trader 50 on a predetermined date (for example, the 14th of the month following the closing month), and at the same time to each sales shop 10. On the day (for example, the 17th of the month following the closing month), the payment for the transfer is made within the limits of the guarantee for collection of accounts receivable.
The collection agency / collection guarantee company 50 pays the transfer consideration for the entire amount of accounts receivable from all dealers to the dealer management department 20 on a predetermined date (for example, the 14th of the month following the closing month), For example, the customer account of the financial institution 60 is debited on the 6th of the month after the closing month.
Through this series of processes, a collection agency / collection guarantee company collects money for customers on behalf of each dealer that has sold accounts receivable, and the collection agency / collection guarantee company within a certain limit. A guarantee of the collection of receivables will be made.
[0024]
In the present embodiment, these series of processes are performed on-line through the devices 10, 20, and 50 provided in the store, the store management unit, and the collection agent / collection guarantee company. One collection agency / collection guarantee system is configured.
Regarding the transfer of receivables and payment of the transfer consideration between the dealer 10, the dealer supervision section 20, and the collection agency / collection guarantee company 50 in this system, an agreement is obtained between the three parties in advance. Needless to say.
Specifically, as shown in FIG. 2, one or two or more sales outlets that perform sales receivable sales (accounting sales) for the customer 1 (1a to 1n) are respectively connected to the sales shop apparatus 10 (10a to 10n). Is provided. In addition, a dealer management unit 20 that manages a plurality of dealers is provided with a dealer management device 20. Furthermore, a collection agency / collection guarantee device 50 is provided in a collection agency / collection guarantee company that performs collection agency and collection guarantee of accounts receivable at each store.
The dealer apparatus 10 (10a to 10n), the dealer supervision apparatus 20, and the collection agency / collection guarantee apparatus 50, including the financial institution 60, are connected to each other via the communication line 100. ing. The communication line 100 may be any communication line as long as it allows data communication between devices. For example, a public line such as a telephone line or an Internet line, a dedicated line dedicated to this system, or the like may be used. is there. In addition, devices connected via the communication line 100 are usually connected via a public line such as the Internet, and are connected by dial-up or the like when performing communication that requires security protection such as accounts receivable data. It is also possible.
Details of each device will be described below with reference to the drawings.
[0025]
[Dealer device 10]
FIG. 3 is an overall configuration diagram of the store apparatus 10 (10a to 10n) provided in the collection agency / collection guarantee system of the present embodiment.
In the present embodiment, the store apparatus 10 (10a to 10n) shown in the figure is a store or retail store that performs sales receivable such as a service station (gas station) that sells fuel containing volatile oil and light oil. An information processing apparatus provided in an office or the like, which is composed of, for example, a personal computer, a business dedicated terminal, a POS, or the like.
Specifically, the store apparatus 10 includes a control unit (CPU) 11, a storage unit 12, a transmission / reception unit 13, an input / output unit 14, a card issuing unit 15, and a card reading unit 16.
[0026]
The control unit (CPU) 11 is arithmetic processing means, and controls and executes data processing in the store apparatus 10.
The storage unit 12 is a data storage unit including a memory, a hard disk, and the like, and predetermined data is read and written. In the present embodiment, the storage unit 12 stores a customer master that stores predetermined customer information (customer number, name, name, address, telephone number, e-mail address, etc.) of a business partner including a billed customer. At the same time, information necessary for store management, such as accounts receivable data, is stored. Furthermore, in the present embodiment, the storage unit 12 stores data indicating the collection guarantee limit of accounts receivable and the collection status of accounts receivable, which are set as a result of examination by a collection agency / collection guarantee company, which will be described later. Yes.
The transmission / reception unit 13 is a means for transmitting / receiving data to / from the store supervision apparatus 20 and the collection agency / collection guarantee apparatus 50 via the communication line 100, and is configured by, for example, a FAX modem or a LAN board.
The input / output unit 14 includes data input means such as a keyboard, mouse, scanner, and microphone, and data output means such as a display, printer, and speaker.
[0027]
The card issuing unit 15 is a card issuing means for issuing a member card of the store concerned to a customer who is sold, and the card reading unit 16 reads customer information stored and stored in the issued member card. It consists of a card reader, bar code reader, etc.
The membership card issued by the card issuing unit 15 is issued for each store on the system, and can be used only by the store. The membership card stores predetermined customer information using, for example, a magnetic card. In this embodiment, collection of accounts receivable set as a result of examination by a collection agency / collection guarantee company described later is performed. The guarantee limit is memorized.
Note that, as will be described later, the common member card issued by the card issuing unit 46 of the store management device 20 can be used by a plurality of store devices 10.
[0028]
The customer information stored in the membership card (or common membership card) is read by the card reading unit 16, the customer information in the storage unit 12 is extracted, the sales of the accounts receivable to the customer are performed, and the transaction stop processing Is done.
Further, for the customer who has been issued the membership card, an invoice is issued from the input / output unit 14 based on predetermined customer information and sales information stored in the storage unit 12, and the invoice data is sent to the transmitting / receiving unit 13. The information is transmitted to the sales outlet supervision apparatus 20 and can be transmitted to an information processing apparatus such as a personal computer or a mobile phone owned by a customer (not shown) as necessary.
Here, as a customer to which a membership card for sales (including a common membership card) is issued, a corporate customer is generally used, but an individual customer may also be used. A plurality of cards can be issued for one member registration.
[0029]
The store apparatus 10 having such a configuration includes means for executing the following functions and processes. Each means described below is realized by the control unit 11 executing a program stored in the storage unit 12.
Here, the program is a means for sending a command to each component of the computer to perform a predetermined process, for example, a data read / write process, a data transmission process, etc. Is realized by specific means in which a program and a computer cooperate. The program is provided by, for example, a magnetic disk, an optical disk, a semiconductor memory, or any other computer-readable storage medium, and is provided by being directly stored in the computer via a communication line regardless of the recording medium. Is done.
[0030]
First, the dealer apparatus 10 has means for managing predetermined customer information including customer-specific accounts receivable data, and means for transmitting customer-specific accounts receivable data to the dealer management apparatus 20. This is realized by storing a customer master as predetermined information in the storage unit 12, reading the information as needed under the control of the control unit 11, updating it, and transmitting it via the transmission / reception unit 13.
In this way, the account receivable data for each customer is transmitted to the sales outlet management apparatus 20, whereby the receivables of the relevant accounts receivable are transferred from the sales outlet apparatus 10 to the sales outlet management apparatus 20 side. As described above, in this embodiment, the usage fee used by the customer is tabulated as accounts receivable in a predetermined unit (for example, closing at the end of every month), and the accounts receivable data is stored on a predetermined date (for example, the 14th month following the closing month). The total amount of the accounts receivable is transmitted to the general manager 20 so that the receivables are transferred.
[0031]
Further, the store apparatus 10 has means for managing the collection status data transmitted from the store management apparatus 20 and monitoring the collection status of accounts receivable for each customer. This is because the collection status data received from the sales office management device 20 via the transmission / reception unit 13 is stored and updated in the storage unit 12, and the collection status is read out as needed under the control of the control unit 11, and the input / output unit This is realized by outputting to 14.
Further, the store apparatus 10 has means for stopping transactions with the corresponding customer based on the collection status of accounts receivable by customer. This is realized by stopping the use of the membership card (including the common membership card) read by the control unit 11 at any time, and the collection status stored and updated in the storage unit 12 is read by the control unit 11. The Specifically, the use of the membership card is stopped by a process for stopping sales of receivables (prohibition of refueling) using the card.
[0032]
Further, the store apparatus 10 has means for directly transmitting data on the application for the collection of guarantees for accounts receivable by customer to the collection agency / collection guarantee apparatus 50. This is a means for directly transmitting the application data of the customer who applies for the accounts receivable transaction to the sales agent to the collection agency / collection guarantee device 50 so that the customer involved in the application is examined (credit examination). Specifically, data entered in a membership card issuance application submitted by a customer is input by a keyboard, a scanner, or the like, and the data is stored in the customer master of the storage unit 12, and the transmission / reception unit 13 is This is realized by being transmitted to the collection agency / collection guarantee device 50 via the network. Further, the application form can be directly read into the FAX and transmitted from the store apparatus 10 to the collection agency / collection apparatus 50.
Then, as will be described later, the result of the examination by the collection agency / collection guarantee device 50 (acceptance of card issuance, limit amount guaranteed for collection, etc.) can be directly received by the store apparatus 10 via the transmission / reception unit 13, Quick membership application processing and card issuance processing are performed.
[0033]
Here, as a result of the examination by the collection agency / collection guarantee device 50, the limit of the collection guarantee given to the customer is the type of retailer to which this system is applied, the contents of the products sold and the services provided, the customer Can be set according to the desired usage amount.
In this embodiment, as a method of setting the guarantee limit amount, for example, it is possible to set the amount obtained by multiplying the monthly transaction amount by several months (3 to 4 months, etc.). For example, monthly transactions and guarantee limits can be provided to customers as a course as shown in Table 1 below.
[Table 1]

Note that it is possible at the discretion of each dealer to issue a cash card, etc., different from this system to customers who are not given a collection guarantee limit as a result of examination by the collection agency / collection guarantee device 50. Needless to say.
[0034]
[Dealer management device 20]
FIG. 4 is an overall configuration diagram of the sales office supervision apparatus 20 provided in the collection agency / collection guarantee system of the present embodiment. A dealer supervision apparatus 20 shown in the figure is an information processing apparatus provided at the head office or headquarters of a fuel source dealer who wholesales fuel containing volatile oil and light oil at a service station (gas station). For example, a workstation or server It consists of a computer, a host computer, a personal computer, etc.
The dealer management device 20 according to the present embodiment is divided into a credit unit side device 30 and a calculation center side device 40. In the credit unit side device 30, a common member card issuance process and a credit assignment process are mainly performed. The calculation center side device 40 performs calculation processing of the accounts receivable data and proxy issuance processing of the invoice.
[0035]
Here, in the present embodiment, the sales outlet supervision apparatus 20 is configured by two devices, that is, the credit unit side device 30 and the calculation center side device 40. However, it is of course possible to integrate these into one device. In addition, it can be divided into three or more devices according to the processing and functions to be executed.
In other words, the dealer supervision apparatus 20 has one or two or more arbitrary apparatus configurations as long as the process of assigning the receivable and the payment of the transferred consideration is performed via each dealer apparatus 10 and the collection agency / collection guarantee apparatus 50. It can be.
Of course, the credit unit side device 30 and the calculation center side device 40 are connected to each other so as to be able to transmit and receive data.
[0036]
[Credit unit side device 30]
The credit unit side device 30 includes a control unit (CPU) 31, a storage unit 32, a transmission / reception unit 33, an input / output unit 34, and a card issuing unit 35. The control unit (CPU) 31, the storage unit 32, the transmission / reception unit 33, the input / output unit 34, and the card issuing unit 35 are substantially the same as those provided in the store apparatus 10 described above.
Here, the card issuing unit 35 of the credit unit side device 30 is configured to issue a common membership card that can be used at one or two or more stores on the system. It is read by the card reading unit 16 of each store apparatus 10 so that accounts receivable transactions can be performed at a plurality of stores. In issuing the common member card, a review (credit review) is performed in the sales department supervision department.
This common member card stores predetermined customer information using, for example, a magnetic card, for example, as in the case of the member card of each store described above. The collection guarantee limit amount of the accounts receivable set through the credit examination of the trader is stored. Further, the customer information stored in the common member card is also read by the card reading unit 16 of each store apparatus 10 and the customer information in the storage unit 12 is pulled out, so that sales of accounts receivable for the customer are performed, In addition, a transaction stop process is performed.
[0037]
[Calculation center side device 40]
Similarly to the credit unit side device 30, the calculation center side device 40 also includes a control unit (CPU) 41, a storage unit 42, a transmission / reception unit 43, and an input / output unit 44. The control unit (CPU) 41, the storage unit 42, the transmission / reception unit 43, and the input / output unit 44 are substantially the same as the store apparatus 10 and the credit unit side apparatus 30 described above.
Furthermore, the calculation center side device 40 includes a bill issuing unit 45. The invoice issuing unit 45 issues an invoice for the customer of the store on behalf of each store device 10 on the basis of the accounts receivable data transmitted from each store device 10 and stored in the storage unit 42. It is means to do. It should be noted that this issuance of a bill is a process that is arbitrarily executed at the request of each dealer, and it goes without saying that the dealer can issue the bill itself.
In this embodiment, the invoice issued by the invoice issuing unit 45 is issued from the input / output unit 44 of the calculation center side device 40, transmitted to the store apparatus 10, and sent from the store apparatus 10 to the customer. Invoices can be sent, and can be sent to information processing apparatuses such as personal computers and mobile phones owned by customers.
However, it is of course possible to send and send invoice data directly from the calculation center side device 40 to the customer.
[0038]
Then, in the store supervision apparatus 20 including the credit unit side apparatus 30 and the calculation center side apparatus 40, means for executing the following functions and processes are provided. The following units are realized by the control units 31 and 41 executing the programs stored in the storage units 32 and 42 as in the units in the store apparatus 10 described above.
First, the calculation center side apparatus 40 has means for storing the accounts receivable data transmitted from each of the dealer apparatus 10 and managing the accounts receivable data of all the dealers. In this case, the accounts receivable data from all the store apparatuses 10 received via the transmission / reception unit 43 is stored and updated in the storage unit 42 under the control of the control unit 41, read out as needed, and output to the input / output unit 44. It is realized by doing.
Accounts receivable data stored and managed in the storage unit 42 is also stored and managed in the storage unit 32 of the credit unit side device 30 via the transmission / reception units 43 and 33.
By receiving the accounts receivable data, the receivables of the accounts receivable are transferred from the dealer apparatus 10 to the dealer administration apparatus 20 as described above.
[0039]
The credit unit side device 30 has means for transmitting the accounts receivable data of all the store devices 10 to the collection agency / collection guarantee device 50.
This is realized by reading the accounts receivable information stored in the storage unit 32 under the control of the control unit 31 and transmitting it to the collection agency / collection guarantee device 50 via the transmission / reception unit 33.
In this way, the accounts receivable data of all the dealers are transmitted to the collection agency / collection guarantee device 50, so that all the accounts receivable of the dealers are transferred to the collection agency / collection guarantee device 50 side. As described above, the receivables receivables are transferred to the collection agency / collection guarantee device 50 side on a predetermined date (for example, the 14th month following the closing month).
Further, the credit unit side device 30 has means for managing the collection status data of the accounts receivable transmitted from the collection agency / collection guarantee device 50 and transmitting the collection status data to the corresponding store apparatus 10. .
This is because the collection status data received from the collection agency / collection guarantee device 50 received via the transmission / reception unit 33 is stored and updated in the storage unit 32, and the collection status is read out as needed under the control of the control unit 31. This is realized by being transmitted to the corresponding store apparatus 10 via the transmission / reception unit 33. The accounts receivable data stored and managed in the storage unit 32 is also stored and managed in the storage unit 42 of the calculation center side device 40 via the transmission / reception units 33 and 43.
[0040]
And the credit part side apparatus 30 has a means to perform the payment process with respect to the accounts receivable of each store apparatus 10 up to the collection guarantee limit amount for each customer. This is because the collection guarantee limit amount for each customer determined by the collection agency / collection guarantee device 50 and stored in the customer master of the storage unit 32 is read out by the control of the control unit 31, and the payment data within the guarantee limit amount is read. Is transmitted to the financial institution 60 via the transmission / reception unit 33, and a deposit request is made to the account of the corresponding store.
As a result of this payment processing, the accounts receivable of each dealer are guaranteed to be collected within the limits of the collection guarantee limit.
The payment data is stored and updated in the storage unit 32 for the accounts receivable for which payment processing has been performed. The payment data for the accounts receivable stored and updated in the storage unit 32 is also stored and managed in the storage unit 42 of the calculation center side device 40 via the transmission / reception units 33 and 43.
In addition, the payment process of the transfer price to each store 10 is also executed on a predetermined day (for example, the 17th month following the closing month) as described above. The data stored in the storage unit 32 is updated for accounts receivable that have been processed for payment.
[0041]
Here, the credit unit side apparatus 30 of the present embodiment, for the portion of the accounts receivable exceeding the unpaid collection guarantee limit for each dealer, the accounts receivable within the collection guarantee limit of the customer is the collection agency / collection guarantee. When collected by the device, it has means for carrying out payment processing to each store device within the range of the guaranteed collection limit.
The credit device 30 does not pay the full amount of the accounts receivable at each store, but pays within the range of the collection guarantee limit set for each customer. Unpaid portion of accounts receivable exceeding the collection guarantee limit will occur. On the other hand, from the collection agency / collection guarantee device 50, the entire amount is paid for the accounts receivable of all the stores to which the receivables are transferred.
Therefore, in the credit unit side apparatus 30 of the present embodiment, the portion exceeding the collection guarantee limit of the accounts receivable transferred from each dealer is not paid immediately to the dealer but left unpaid, and the collection agency / collection guarantee apparatus When the collection of accounts receivable on the 50th side progresses and there is a vacancy in the collection guarantee limit, payment is made to the dealer within the range of the limit.
In this means, the collection status data received from the collection agency / collection guarantee device 50 received via the transmission / reception unit 33 is stored and updated in the storage unit 32 under the control of the control unit 31 and is read out as needed. Payment data within the collection guarantee limit is created, transmitted to the financial institution 60 via the transmission / reception unit 33, and a payment request to the account of the corresponding store is made.
[0042]
Further, in the credit unit side device 30, with respect to the portion of the accounts receivable exceeding the collection guarantee limit paid by the collection agency / collection guarantee device 50, the collection agency / Means for performing a return process on the collection guarantee device 50 is provided.
The credit unit side device 30 receives payment for the entire amount of accounts receivable transferred to the collection agency / collection guarantee device 50, but does not pay the full amount to the dealer, but pays for the portion exceeding the collection guarantee limit amount. Is reserved. For this reason, in the case where uncollectible accounts receivable exceeding the collection guarantee limit are generated, it becomes possible to return the funds reserved for payment to the collection agency / collection guarantee apparatus 50 side. Therefore, in the credit unit side device 30 of the present embodiment, in the transfer consideration paid from the collection agency / collection guarantee device 50, the portion exceeding the collection guarantee limit amount is not collected. Is returned to the collection agency / collection guarantee device 50 side.
[0043]
In this means, the collection status data received from the collection agency / collection guarantee device 50 received via the transmission / reception unit 33 is stored and updated in the storage unit 32 under the control of the control unit 31 and is read out as needed. The return data for the receivables is transmitted to the financial institution 60 via the transmission / reception unit 33, and is realized by making a deposit request to the account of the corresponding collection agency / collection guarantee company.
Note that, due to this return processing, the claims that have become uncollectable are reassigned from the collection agency / collection guarantee device 50 to the store apparatus 10 side. Therefore, a collection process is separately performed for the uncollectible credit on the store apparatus 10 side. Similar to the collection process executed by the collection agency / collection guarantee device 50 described later, the collection process at the retailer apparatus 10 transmits the amount data to be collected to the financial institution 60, and from the corresponding customer account. This can be realized by making a withdrawal request.
[0044]
[Collecting agent / collection guarantee device]
FIG. 5 is an overall configuration diagram of a collection agency / collection guarantee device provided in the collection agency / collection guarantee system of the present embodiment. A collection agency / collection guarantee device 50 shown in the figure is an information processing device provided in an office of a credit sales company or a financial company that performs a credit service for a corporation or an individual customer, for example, a workstation, a server computer, a host computer, It consists of a personal computer.
Specifically, the collection agency / collection guarantee device 50 includes a control unit (CPU) 51, a storage unit 52, a transmission / reception unit 53, and an input / output unit 54. This is almost the same as that provided in the store supervision apparatus 20.
The collection agency / collection guarantee device 50 configured as described above includes means for executing the following functions and processes. The following units are realized by executing the program stored in the storage unit 52 by the control unit 51 as with the units in the store apparatus 10 and the store management apparatus 20 described above.
[0045]
First, the collection agency / collection guarantee device 50 has means for determining a collection guarantee limit for each customer based on customer information transmitted from each store apparatus 10. Specifically, the collection agency / collection guarantee device 50 determines a collection guarantee limit amount for the customer based on the application data from each dealer device 10, and directly transmits the decision result to the dealer device 10. I am doing. This means that the application data of the customer who applies for the accounts receivable transaction accepted by each dealer apparatus 10 is directly transmitted / received to / from each dealer apparatus 10 to quickly examine the customer (credit examination) related to the application. It is a means for doing.
In the credit screening process, first, data received in the dealer apparatus 10 and described in the membership card issuance application form is received via the transmission / reception unit 53, and the data is stored in the customer master of the storage unit 52 under the control of the control unit 51. Stored in Then, the data is output from the input / output unit 54, and is appropriately compared with and referred to data in a credit examination database (not shown) provided in the storage unit 52 for examination. The result of the examination (card approval / disapproval, limit of guaranteed collection, etc.) is stored in the customer master 52 of the storage unit 52 and directly transmitted to the store apparatus 10 via the transmission / reception unit 53. As a result, rapid membership application processing and card issuance processing are performed with the store apparatus 10.
As described above, the maximum amount of collection guarantee granted as a result of credit review depends on the type of retailer to which this system is applied, the contents of products sold, the contents of services provided, the amount of transactions desired by customers, etc. Is set. The limit amount can be set, for example, by multiplying the monthly transaction amount by the number of months for several months.
[0046]
Further, the collection agency / collection guarantee device 50 has means for storing and managing the accounts receivable data of all the dealer devices 10a to 10n transmitted from the dealer management device 20. In this case, the accounts receivable data from the store supervision unit 20 received via the transmission / reception unit 53 is stored and updated in the storage unit 52 under the control of the control unit 51, read out as needed, and output to the input / output unit 54. It is realized by doing.
By receiving this account receivable data, the receivables of the account receivable are transferred from the store supervising device 20 to the collection agency / collection guarantee device 50 side as described above.
Further, the collection agency / collection guarantee device 50 has means for performing a payment process for the entire amount of accounts receivable of all the sales apparatus to the sales office management apparatus 20.
This is because the accounts receivable data transferred from the store management device 20 and stored in the storage unit 52 for each customer is read under the control of the control unit 51, and the payment data for the total amount of the accounts receivable is sent to the transmission / reception unit 53. This is realized by making a payment request to the account of the corresponding store. For the accounts receivable that have been processed for payment, the payment data is stored and updated in the storage unit 52.
By this payment processing of the accounts receivable, the collection guarantee of the accounts receivable receivable generated at the store apparatus 10 is made.
[0047]
Further, the collection agency / collection guarantee device 50 has means for performing a collection process for the customer on the account receivable for which the payment process has been performed. This is because the payment processed receivable data stored in the storage unit 52 is read out under the control of the control unit 51, and the amount data to be collected is transmitted to the financial institution 60 via the transmission / reception unit 53. This is realized by making a withdrawal request from the customer's account. With respect to the accounts receivable for which the withdrawal process has been performed, the withdrawal data is stored and updated in the storage unit 52.
This collection process completes collection of accounts receivable.
Furthermore, the collection agency / collection guarantee device 50 has a means for managing the collection status of accounts receivable from customers and transmitting the collection status data to the store management device 20. This is because collection status data based on withdrawal result data from the financial institution 60 received via the transmission / reception unit 53 is stored and updated in the storage unit 52, and the collection status is read out as needed under the control of the control unit 51. Thus, it is realized by being transmitted to the corresponding store supervision apparatus 20 via the transmission / reception unit 53.
[0048]
Next, the operation of the collection agency / collection guarantee system according to the present embodiment configured as described above will be described with reference to FIGS.
In the following description, the above-mentioned dealer apparatus 10 is abbreviated as “sales shop”, the dealer comprehensive apparatus 20 is abbreviated as “distributor general department”, and the collection agency / collection guarantee apparatus 50 is abbreviated as “credit sales company”.
[Transaction application and card issuance processing]
First, transaction application / card issue processing in this system will be described.
FIG. 6 is an explanatory view schematically showing the flow of processing when transaction application and card issuance processing are performed in the collection agency / collection guarantee system according to the present embodiment.
As shown in the figure, in order to apply for a transaction, a dealer first obtains an application form from a customer and transmits application data described in the application form to a credit sales company. The credit sales company makes a credit decision for customers who have no problems such as accidents as a result of the examination, sets a collection guarantee limit, assigns a member code, and transmits the data to the store. At this stage, the application is exchanged only by data or FAX in order to perform quick transaction application processing. Accordingly, after the membership code is granted, necessary documents such as official application documents and a copy of the license are sent separately to the credit sales company by mail. The applied content is registered in the customer master of the credit sales company and is also transmitted to the sales department supervision department, and is registered in the customer master of the credit department and the calculation center.
[0049]
At the store, customer information in which a collection guarantee limit is set is registered in the customer master, and a membership card (hanging card) issued by the store is issued to the customer.
In addition, the store accepts applications for common membership cards (common cards) that can be used at multiple dealers issued by the dealer supervision department, and accepts application data for the common cards at the calculation center of the dealer supervision department. The customer information is registered in the customer master, and a common card is issued in the credit department of the sales department supervising department through a predetermined procedure. The issued common card is provided to the customer via the dealer, or is provided directly to the customer by mail or the like.
[0050]
[Cash collection / collection guarantee processing]
Next, the collection agency / collection guarantee process in this system will be described.
FIG. 7 is an explanatory diagram schematically showing the flow of processing when collection agency and collection guarantee processing are performed in the collection agency / collection guarantee system according to the present embodiment. In addition, the processing unit of accounts receivable (the last day of the month), the number of processing days (how many business days), the date of remittance and withdrawal (6th day of next month, 6th month of next month), transaction amount, etc. are examples. Of course, it is not limited to this.
First, when there is an account receivable transaction for each customer at each store, the account receivable data relating to the transaction is transmitted to the calculation center of the store management department.
In the calculation center, an invoice is created at the end of each month, and the invoice is transmitted to the dealer and sent to the customer. It should be noted that billing issuance by the calculation center can be selected at the discretion of the dealer, and the billing can be issued by the dealer himself as described above.
In the calculation center, the receivable data for which the invoice is issued is registered as withdrawal data, and the withdrawal data is transmitted to the credit department on the second business day.
The credit department registers the withdrawal data, adds predetermined additional data (for example, a dealer code or a member code for a credit sales company) on the next third business day, and transmits it to the credit sales company on the fourth business day. .
[0051]
The credit sales company stores the withdrawal data that has been sent and performs remittance processing (full payment of accounts receivable) to the credit department of the sales department management department based on the data. Remittance processing (payment within the collection guarantee limit of accounts receivable) within the collection guarantee limit. Thereby, the collection guarantee process for the receivables to the store is completed.
The credit unit stores the data transferred to the store as deposit / withdrawal data, and transmits the data to the calculation center.
Thereafter, the credit sales company carries out a withdrawal process of the bill amount from the account of the customer of the financial institution on the 6th of the following month. This completes the collection agency process.
The flow of the above collection agency / collection guarantee process is shown in FIG. 8. The sales for the sales in June of the store were received from the credit sales company on the 17th of the following month (July 17), and the 6th of the following month (August (6th) is withdrawn from the customer's account.
In the same way, the sales for July at the store will be credited by the credit sales company on the 17th of the following month (August 17) and will be withdrawn from the customer's account on the 6th of the following month (September 6). become.
[0052]
Here, FIG. 9 shows the relationship between the sales (accounts receivable) of the store and the guaranteed limit amount guaranteed for collection. In the example shown in FIG. 9, the case of “monthly monthly 200,000 yen course, guaranteed limit amount 800,000 yen” in the example of the table described above.
In this example, first, in the case shown in FIG. 9A, the sales (accounts receivable) for June to August are 200,000 yen each month, the total amount is 600,000 yen, and the guarantee limit is 800,000 yen. Therefore, the entire sales amount will be received from the credit sales company every month.
On the other hand, in the case shown in FIG. 9B, the total amount of sales (accounts receivable) from June to August is 900,000 yen, which is within the guarantee limit of 800,000 yen. The sales for August, which exceeded the amount, will not be paid in full, but 200,000 yen, which is within the guaranteed limit, will be credited by the credit sales company.
[0053]
FIG. 10 to FIG. 12 show the relationship between the sales (accounts receivable) of the store as described above and the guarantee limit amount more specifically in different cases.
The example shown in FIG. 10 shows a case where the deposit is normally made to the store when the sales amount does not exceed the guaranteed limit amount and the withdrawal is normally made from the customer account.
In this case, the total sales amount is always within the guaranteed limit of 800,000 yen, and the withdrawal from the customer's account is always performed normally. Deposited from the company.
[0054]
The example shown in FIG. 11 shows a case where the sales amount exceeds the guaranteed limit in a single month, and the amount exceeding the guaranteed limit is credited to the dealer in the next month when the withdrawal is normally made from the customer account. Yes.
In this case, the sales for the month of June are 1 million yen, which exceeds the guaranteed limit of 800,000 yen, so the payment to the store on July 17th is 800,000 within the guaranteed limit. Yen. At this time, 1 million yen has been deposited from the credit sales company to the sales department management department, and the difference of 200,000 yen is reserved by the sales department management department and pooled as deposit. Then, on August 6th, the sales amount of 1 million yen was deducted from the customer's account. At that time, the sales amount was 0 yen, which was within the guaranteed limit. The difference of 200,000 yen will be deposited on the next month's deposit day (August 17).
Also, since the sales of 700,000 yen for July are within the guaranteed limit of 800,000 yen, they will be credited to the store on August 17th.
[0055]
The example shown in FIG. 12 shows a case where payment is made to a store within the guaranteed limit amount when undrawn from a customer account occurs.
In this example, the sales amount of 500,000 yen for June is within the guarantee limit, so the full amount will be paid to the dealer on July 17th, but since the withdrawal from the customer account on August 6 will not be made, The sales amount will remain 500,000 yen.
For this reason, with regard to sales of 400,000 yen for July, 300,000 yen, which is within the guaranteed limit together with 500,000 yen for June, will be credited to the dealer. At this time, 400,000 yen is deposited from the credit sales company to the sales department management department, and the difference of 100,000 yen is reserved and pooled by the sales department management department.
After that, about 500,000 yen in June, which was not withdrawn, was transferred from the customer on August 20, and further, 400,000 yen for July was withdrawn by withdrawal from the customer account on September 6. At that time, the sales amount is 0 yen, which is within the guaranteed limit, so the difference of 100,000 yen that has not been paid to the dealer will be credited on the same day (September 17). .
[0056]
[Transaction stop processing]
Next, the transaction stop process in this system will be described.
FIG. 13 is an explanatory diagram schematically showing the flow of processing when transaction stop processing is performed in the collection agency / collection guarantee system according to the present embodiment. Note that the processing date, amount, and the like shown in the following transaction stop processing are also examples, as in the case of the above-described collection agency / collection guarantee processing, and are not particularly limited.
First, the credit sales company transmits the withdrawal result data of the customer account to the credit department of the sales department supervision department on the 10th of every month. The credit department creates an undrawn customer list based on the data transmitted from the credit sales company, and sends the undrawn customer data to the store. The credit sales company prompts payment of undrawn customers by, for example, sending a transfer form. As a result of the dunning, for customers who have not received payment (payment) by the 20th of the month after the sales month, the credit sales company decides to stop the transaction and stores the data, and stores the transaction stop data as the month after the sales month 25 Send it to the credit department of the sales department supervision department by day.
In the credit department of the sales department supervision department, first, when the customer related to the transaction suspension holds a common card, the use prohibition registration (payment registration) of the common card is performed.
Moreover, a transaction stop customer list is created and the transaction stop customer data is transmitted to the store.
In the case of a store, the transaction stop customer data is stored, a list is created based on the data, and the customer who has the transaction stop holds the member card of the store,
Use prohibition registration processing (payment prohibition registration) of the member card (hanging card) is performed.
[0057]
More specifically, the case where the transaction stop process as described above is performed is as shown in FIG.
In the example shown in FIG. 14, since sales for June are not withdrawn from the customer account on August 6, the customer is prompted. After that, since payment (payment) is not made by the 20th month (August 20th) following the sales month, the credit sales company decides to stop the transaction for the customer, and the transaction stop data is stored on the 25th month after the sales month. It will be sent to the credit department of the sales department supervision department by (August 25).
In addition, since the sales performed before the transaction stoppage decision is made to the dealer, the sales for August may be paid on September 17 in the example shown in FIG.
[0058]
As described above, according to the collection agency / collection guarantee system according to the present embodiment, first, a sales agency side that performs sales of receivables receives a credit sales company that performs credit operations for customers as a collection agency. In addition to eliminating the burden of managing and collecting accounts receivable, collection of accounts receivable is guaranteed within a certain guarantee limit, which eliminates the risk of credit loss and allows you to sell your accounts reassuringly. . In addition, since the receivables transferred are receivable within a certain period (for example, the following month), the receivables can be quickly cashed and the cash flow ratio can be increased to increase the efficiency of funds. As a result, sales of accounts receivable with membership cards and the like can be actively carried out, and an increase in customers and an increase in sales can be realized by acquiring and securing excellent customers.
The dealer management department that supervises each dealership is expected to increase customers and increase revenues by acquiring and securing excellent customers at each dealership by eliminating the risk of bad debts at each dealership and improving the financial efficiency. It will be possible to build a stable management base.
In addition, the collection agency / collection guarantee company does not need to provide credit to individual dealers by having the head office, headquarters, parent company, etc. In addition to avoiding the risk of uncollectible accounts receivable, it is possible to reliably acquire a large number of accounts receivable from each dealer as credit customers, and acquire and increase new customers without incurring risks and costs. It becomes possible.
[0059]
As mentioned above, although the preferred embodiment of the collection agency / collection guarantee system of the present invention has been described, the collection agency / collection guarantee system according to the present invention is not limited to the above-described embodiment, and the present invention. It goes without saying that various modifications can be made within the range described above.
For example, in the above-described embodiment, a gasoline service station, a fuel source dealer, and a credit sales company are given as examples of targets to which the present system can be applied. However, the subject of the present invention is not limited to these. In other words, the collection agency / collection guarantee system of the present invention is an organization having a sales department that sells accounts receivable and a headquarters, head office, parent company, etc. of a separate corporation that supervises a plurality of sales shops. There are no particular restrictions on the type of business, the products handled, and the service content.
[0060]
In addition to the above-mentioned gasoline service stations, for example, franchise stores represented by convenience stores, laundry stores, milk stores, newspaper dealers, various rental stores (mops and mats, etc.) Water purifiers), liquor stores, bookstores, drug stores.
Further, the sales department supervision department that supervises the sales department may have any organization and form as long as it is a separate corporation from the sales department, such as a manufacturer, a wholesaler, a franchise headquarters, and the like.
In addition, the collection agency / collection guarantee is not limited to the credit sales company, but includes, for example, credit companies, financial institutions (banks, credit unions, etc.), consumer finance, and the like.
It goes without saying that the collection agency / collection guarantee system of the present invention can also be applied to these types of businesses and contractors.
[0061]
【The invention's effect】
As described above, according to the collection agency / collection guarantee system of the present invention, the management burden of the accounts receivable of each dealer by entering a credit sales company, a financial company, etc. that performs credit operations for customers as a collection agency, At the same time as reducing the collection burden, it is possible to increase the efficiency of funds and eliminate the risk of bad debts, and increase the number of customers and increase revenue by acquiring and securing excellent customers.
In addition, the head office, headquarters, parent company, etc. that supervises each dealer, member store, etc., enter between each dealer and the collection agency, thereby avoiding the risk of uncollectible accounts receivable from the collection agency. The head office, headquarters, etc., which oversees the store, can build a stable management base by increasing the number of customers at each store, increasing revenues and eliminating the risk of bad debts.
As a result, for example, an organization such as a service station (gas station) that sells gasoline (including volatile oil and light oil), in which a number of dealers (member stores) are organized under a single former dealer. A suitable collection agency / collection guarantee system can be realized.
[Brief description of the drawings]
FIG. 1 is an explanatory diagram schematically showing an overall processing flow in a collection agency / collection guarantee system according to an embodiment of the present invention.
FIG. 2 is an overall configuration diagram of a collection agency / collection guarantee system according to an embodiment of the present invention.
FIG. 3 is an overall configuration diagram showing an embodiment of a store apparatus provided in the collection agency / collection guarantee system shown in FIG. 1;
FIG. 4 is an overall configuration diagram showing an embodiment of a store supervising device provided in the collection agency / collection guarantee system shown in FIG. 1;
5 is an overall configuration diagram showing an embodiment of a collection agency / collection guarantee device of the collection agency / collection guarantee system shown in FIG. 1; FIG.
FIG. 6 is an explanatory view schematically showing a processing flow when transaction application and card issuance processing are performed in the collection agency / collection guarantee system according to the embodiment of the present invention.
FIG. 7 is an explanatory view schematically showing a flow of processing when collection agency and collection guarantee processing is performed in the collection agency / collection guarantee system according to the embodiment of the present invention.
8 is an explanatory diagram showing an example of a deposit and withdrawal situation when the collection agent and collection guarantee process shown in FIG. 7 is performed. FIG.
FIG. 9 is an explanatory view schematically showing the relationship between the guaranteed sales amount and the guaranteed limit amount in the collection agency / collection guarantee system according to one embodiment of the present invention, where (a) is guaranteed by the sale amount. When the limit amount is not exceeded, (b) shows the case where the sales amount exceeds the guaranteed limit amount.
FIG. 10 is an explanatory diagram showing an example of the deposit and withdrawal situation when the collection agency and collection guarantee processing shown in FIG. 7 is performed, and the sales amount does not exceed the guarantee limit amount and is normally withdrawn from the customer account; It shows the case where the deposit is normally made to the store when it is made.
FIG. 11 is an explanatory diagram showing an example of the deposit and withdrawal situation when the collection agency and collection guarantee processing shown in FIG. 7 is performed, and the sales amount exceeds the guarantee limit in a single month and is normally from the customer account This shows the case where the excess limit for the guarantee is credited to the dealer in the following month when the withdrawal is made.
FIG. 12 is an explanatory diagram showing an example of the deposit and withdrawal situation when the collection agency and collection guarantee processing shown in FIG. 7 is performed, and within the range of the guarantee limit when the withdrawal from the customer account occurs. It shows the case where payment is made to the store.
FIG. 13 is an explanatory diagram schematically showing a flow of processing when transaction stop processing is performed in the collection agency / collection guarantee system according to the embodiment of the present invention.
FIG. 14 is an explanatory diagram showing an example of a payment situation when the transaction stop process shown in FIG. 13 is performed.
[Explanation of symbols]
10 (10a-10n) Dealer equipment
20 Dealer control device
30 credit department side device
40 Calculation center side device
50 Collecting agency / collection guarantee device

Claims (10)

A dealer apparatus provided in a dealer who makes a sale to a customer;
A sales office management device provided in a sales office management department that controls one or more sales offices;
A collection agency / collection guarantee device provided in a collection agency / collection guarantee company that collects and guarantees collection of accounts receivable at each dealership,
The dealer device, dealer management device, and collection agency / collection guarantee device are connected to each other via a communication line.
The dealer apparatus has means for managing predetermined customer information including customer-specific accounts receivable data, and means for transmitting customer-specific accounts receivable data to the dealer management apparatus,
The store management device stores the accounts receivable data transmitted from each store device, manages the account receivable data of all the stores, and transmits the account receivable data of all the store devices to the collection agency / collection guarantee device If, as a payment processing against the accounts receivable of the store apparatus, from the storage means the recovery guarantee limit set for each customer, a communication line payment data to the accounts receivable of the recovery guarantee limit the amount and the upper limit Means to transmit to the financial institution via
Collection agency and collection guarantee device, set the recovery guarantee limit of each customer rather than based on the customer information that is sent from each store apparatus, the dealer supervising device via the communication line the recovery guarantee limit data The means for transmitting, the means for storing and managing the accounts receivable data of all the dealers devices transmitted from the dealer supervising device, and the total amount of the accounts receivable as payment processing of the total amount of the accounts receivable of all the dealers to the dealer supervising device Means for sending the payment data to the financial institution via the communication line, and the amount data to be collected is sent to the financial institution via the communication line as a collection process for the accounts receivable for which the payment processing has been performed. A collection agency / collection guarantee system characterized by having means. The collection agency / collection guarantee device has a means for managing the collection status of accounts receivable from customers and transmitting the collection status data to the retailer management device,
The dealer supervising device has means for managing the collection status data of the accounts receivable transmitted from the collection agency / collection guarantee device and transmitting the collection status data to the corresponding dealer device,
The collection / collection guarantee system according to claim 1, wherein the dealer apparatus includes means for managing the collection status data transmitted from the dealer management apparatus, and reading out and outputting the collection status data of accounts receivable for each customer from the storage means . The collection agency / collection guarantee system according to claim 2, wherein the store apparatus has means for storing predetermined customer information in the storage means as transaction stop customer data . Dealer supervising system, recovery indicating that accounts receivable for the portion exceeding the recovery guarantee limit unpaid for each shop, accounts receivable in recovery guarantee limit for the customer was recovered by collection agency and collection CPA Read the status data from the storage means , and make payments to each store device within the range of the collection guarantee limit. Payment data up to the accounts receivable within the collection guarantee limit is sent to the financial institution via the communication line. 4. The collection agency / collection guarantee system according to claim 1, 2 or 3, further comprising means for transmitting to the collection. The dealer supervision device reads from the storage means the collection status data indicating that the receivables are not collected by the collection agency / collection guarantee device for the portion of the accounts receivable exceeding the collection guarantee limit paid by the collection agency / collection guarantee device. 5. A means for sending back to the financial institution, via a communication line, return data of the portion of the accounts receivable exceeding the collection guarantee limit as a return process for the collection agency / collection guarantee device. Collection and collection guarantee system. The dealer apparatus has a means for directly transmitting the data of the application for collection limit of accounts receivable by customer to the collection agency / collection guarantee apparatus.
Collection agency and collection guarantee device, set the recovery guarantee limit for the customer rather than based on the application data from each store apparatus, sent directly to the store apparatus through the communication line the recovery guarantee limit data 6. The collection agency / collection guarantee system according to claim 1, 2, 3, 4, or 5 having means. The retail store management device has means for generating bill data based on the accounts receivable data transmitted from each of the retail store devices, and transmitting the bill data to the retail store device via a communication line. , 3, 4, 5 or 6.   2. The store apparatus has means for issuing a membership card storing predetermined customer information including an account receivable guarantee limit to a customer and means for reading predetermined customer information stored in the membership card. , 2, 3, 4, 5, 6 or 7. The store management device has means for storing predetermined customer information including an account receivable guarantee limit for a customer and issuing a common membership card that can be used by one or more store devices.
9. The collection agency / collection guarantee system according to claim 1, wherein the store apparatus has means for reading predetermined customer information stored in the common member card. A dealer with dealer equipment is a service station that sells fuel containing volatile oil and light oil.
The dealer headquarters department with dealer headquarters is a fuel distributor that sells fuel containing volatile oil and light oil to service stations.
The collection agency / collection guarantee company of claim 1, 2, 3, 4, 5, 6, 7, 8, or 9 wherein the collection agency / collection guarantee company having a collection agency / collection guarantee device is a credit sales company that performs credit operations for customers. Collection guarantee system.

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