JP5153362B2 - Installment Claim Management System and Installment Claim Management Method - Google Patents

Description

  The present invention relates to an installment claim management system and an installment claim management method. More specifically, the present invention relates to an installment claim management system for managing a claim generated by an installment sales contract, and an installment claim management system used in the installment claim management system. It is about the method.

  2. Description of the Related Art Conventionally, service utilization apparatuses that receive a service charge (providing a communication service in the case of a mobile phone device) by paying a fee after purchase have been widely used. This service utilization device represented by a mobile phone device is generally an advanced information processing device and is an expensive product.

  For this reason, a method is often adopted in which the selling price is reduced at the time of the purchase contract of such a service using device, and the difference between the price of the service using device and the selling price is compensated as the monthly service using fee, for example. ing. In this method, the purchaser of the service using device can reduce the amount of money at the time of purchase, and can receive service provision, for example, with an average amount of money for each month.

  By the way, the amount of money to be added to the service usage fee as described above is determined by the seller of the service usage device based on the average period from the purchase of the service usage device to the replacement. However, the period for purchasing and replacing the service using device varies greatly for each purchaser. That is, once a service using device is purchased, there are purchasers who use the service using device for a long period of time, and there are also purchasers who purchase a new model every time a new model is released. For this reason, the situation where the unfairness of the burden amount between buyers generate | occur | produces has generate | occur | produced.

  Therefore, a method of separating the sales amount of the service use device from the service use fee is being adopted. As one of such methods, an installment sales method for service use devices that can suppress the burden of money at the time of purchase has attracted attention.

  The above-mentioned installment sales method for service use devices can separate the sales amount of service use devices from the service use fee, and can prevent the occurrence of unfairness of the burden amount among purchasers, This is a very good method that can both reduce the burden of money. However, this method has been newly introduced, and at present, no proposal has been made regarding a technique for realizing the method reasonably and efficiently.

  For this reason, when adopting the installment sales method of the service using device, a technique capable of realizing the method reasonably and efficiently is desired. Responding to such a request is one of the problems to be solved by the present invention.

  The present invention has been made in view of the above circumstances, and provides an installment claim management system and an installment claim management method capable of reasonably and efficiently managing a claim generated by an installment sale contract for a product. For the purpose.

From the first viewpoint, the present invention is an installment receivable management system for managing receivables generated by an installment sales contract of a mobile phone device, for each product identification information of a product that can be a target of the installment sales contract. Reference information holding means for holding reference information including a corresponding installment repayment period and installment amount; product identification information, contractor information, billing destination specifying information, and contract repayment period regarding the purchased product specified in the installment sales contract Contract master information holding means for holding contract master information including: product identification information, contractor information, billing destination identification information, and contract repayment period regarding a purchased product selected from the products that can be the target of the installment sales contract The contract master information is generated based on the purchase contract information including the reference information and the contract master information holding hand Contract master information generating means to be registered in the bill; billing information including billing amount that is the amount to be billed for each purchased product, billing destination specifying information, and billing status information indicating whether or not billing has been completed Billing statement information holding means for holding; generating the billing specification information prior to the next payment request for each purchased product based on the contract master information held in the contract master information holding unit; Billing details information generating means to be registered in the billing details information holding means; for each billing destination specifying information, billing information including a billing amount is sent to a charge management server that manages bill issuance and payment; Billing information processing means for updating the billing status information held in the billing details information holding means; and a deposit detail holding the deposit details information including the deposit status information corresponding to the billing information Information holding means; generating payment details information based on the billing details information held in the billing details information holding means, and registering them in the payment details information holding means; and the fee management A deposit information processing unit for updating the deposit status information in the deposit details information holding unit based on deposit information from a server, and the contract master information further includes billed information and deposited information The billing information processing means updates the billed information in the contract master information holding means after transmission of the billing information, and the deposit information processing means confirms the full deposit corresponding to the billed information. In the case of an installment receivable management system, the received payment information in the contract master information holding means is updated .

  In this installment claim management system, the reference information holding means holds reference information including an installment repayment period and an installment amount corresponding to each product identification information of a product that can be a target of an installment sales contract. This reference information is updated as appropriate when a new product is subject to installment sales or when a new installment sales mode is adopted.

  When this installment receivable management system is notified of purchase contract information including product identification information, contractor information, billing destination identification information, and contract repayment period related to a purchase product selected from among products that can be subject to an installment sales contract, Based on the purchase contract information and the reference information corresponding to the product identification information in the purchase contract information, the contract master information generating means is the product identification information and contractor information related to the purchased product specified in the installment sales contract. The contract master information including the billing destination specifying information and the contract repayment period is generated. The contract master information generated in this way is stored in the contract master information holding means.

  Based on the contract master information stored in the contract master information holding means in this way, the billing details information generating means bills the amount to be charged prior to the next payment request for each purchased product, billing destination specifying information. And billing details information including billing status information indicating whether or not billing has been completed. The billing details information generated in this way is stored in the billing details information holding means.

  Based on the billing details information stored in the billing details information holding means in this way, the billing information processing means manages billing information including the billing amount for each billing destination specifying information, billing issuance and payment Send to. Subsequently, the billing information processing means updates the billing status information of the billing status information held in the billing details information holding means.

  Further, based on the billing details information stored in the billing details information holding means, the deposit details information generating means generates payment details information including the payment status information corresponding to the billing information. The payment details information generated in this way is stored in the payment details information holding means.

Then, when receiving the deposit information from the fee management server, the deposit information processing means updates the deposit status information of the deposit status information in the deposit details information holding means based on the received deposit information.
Further, the contract master information further includes billed information and deposited information, and the billing information processing means updates the billed information in the contract master information holding means after transmission of the billing information, The receipt information processing means updates the receipt information in the contract master information holding means when full payment corresponding to the billed information is confirmed. For this reason, by referring only to the contract master information held in the contract master information holding means, it is possible to know the contract contents, the billing status, and the payment status.

  That is, in the installment claim management system of the present invention, when managing installment claims, contract master information, billing details information, and receipt details information that are held independently of each other are sequentially generated corresponding to the order, billing, and receipt stages. And update as appropriate. Therefore, according to the installment claim management system of the present invention, installment claims can be managed rationally and efficiently with a simple configuration.

  In the installment claim management system according to the present invention, the billing information processing means can update the billing status information when receiving receipt confirmation of the billing information from the fee management server. In this case, it is possible to update the billing status information with a very high probability that the bill will actually be issued, and to improve the reliability of installment claim management.

  In the installment claim management system of the present invention, the deposit information processing means may periodically send a request for transmitting the deposit information to the fee management server. In this case, the deposit information processing means can reliably acquire the deposit information.

  Here, the deposit information processing means can send the deposit information transmission request to the fee management server every day. In this case, the period from the actual deposit to the update of the deposit status information can be set to one day or less, and the deposit status information can be quickly reflected in the deposit status information.

  In the installment claim management system of the present invention, when there is a plurality of billing details information having the same billing destination identification information, the billing information processing means adds the billing amounts in the plurality of billing details information. The billing information including the amount as the billing amount may be sent to the fee management server. In this case, it is possible to reduce the number of invoices issued to the billing party specified by the billing destination specifying information, and the load of the bill issuing process by the fee management server is reduced.

  Further, in the installment claim management system of the present invention, the purchase contract information includes a bill selected for the purchased product from a plurality of bill issuance times related to the periodic payment bill issuance by the fee management server. Selective issue time information corresponding to the issue time is further included, and the billing specification information further includes the selective issuance time information, and the billing information processing unit is held in the billing specification information holding unit. Further, the billing information can be sent to the fee management server at a time determined corresponding to the bill issuance time specified by the selective issuance time information with reference to the selective issuance time information. In this case, the transmission of the billing information to the fee management server can be rationally distributed, so that the load on the fee management server can be rationally distributed.

  Here, when the billing information processing means receives confirmation of the billing information from the fee management server, the billed information can be updated. In this case, it is possible to update the billed information with a very high probability that the bill is actually issued, and the reliability of the billed information in the contract master information can be improved.

  Further, the billed information can be a billed number of times. In this case, it is possible to easily grasp the invoice issue status up to now.

  Moreover, the said payment completion information can be made into the deposit remaining frequency which shows the frequency | count of deposit required in the future. In this case, it becomes possible to easily grasp the relationship between the current payment status and the invoice issue status.

In the installment claim management system of the present invention, the fee management server further performs a billing process for using the communication service by the purchased product, and the reference information includes contract type information indicating a type of the installment sales contract, and Service discount information that is discount information on the charge for using the communication service corresponding to each contract type information is further included, and the purchase contract information further includes designation of the contract type information and contract date information, The contract master information further includes service contract period information and service discount amount information determined corresponding to the contract type information, the contract date information, and the service discount information, and the billing details information includes the contract date. Information, the service discount period information, and the service discount amount information are further included, and the billing information processing means includes the service discount period. During determined period by information, it is possible to send the service discount information with the billing information to the charge management server. In this case, when a special service fee discount is made during the campaign period, it is possible to efficiently and reliably bill the service fee with the special discount.

  In the installment claim management system of the present invention, the purchase contract information further includes product discount information that is discount information related to the purchased product, and the contract master information includes each payment determined by the product discount information. Each time discount amount information, which is discount amount information for each charge, is further included, and the charge detail information further includes, as the charge amount, discount charge amount information reflecting the respective discount amount information. it can. In this case, for example, using a coupon or a service use point, discount processing can be efficiently and reliably performed when the sales price of the purchased product is discounted and sold.

According to a second aspect of the present invention, there is provided a reference information holding unit that holds reference information including an installment repayment period and an installment amount corresponding to each product identification information of a mobile phone device that can be a target of an installment sales contract; Contract master information holding means for holding contract master information including product identification information, contractor information, billing destination identification information and contract repayment period related to the purchased product specified in the installment sales contract; Billing details information holding means for holding billing details information including a billing amount that is a billing amount, the billing destination specifying information, and billing status information indicating whether or not the billing has been completed; and corresponding to the billing information An installment claim management method used in an installment claim management system comprising: a receipt details information holding means for holding receipt details information including receipt status information; Based on the reference information, the purchase contract information including product identification information, contractor information, billing destination identification information and contract repayment period regarding the purchased product selected from the products that can be the target of the installment sales contract A contract master information generating step for generating the contract master information and registering the contract master information in the contract master information holding means; and for each purchased product based on the contract master information held in the contract master information holding means, Prior to the payment request, the billing details information is generated and registered in the billing details information holding means; the billing information including the amount of each bill for each billing destination specific information; A billing information processing step for sending to a charge management server for managing issuance and payment; and a bill for updating the billing status information held in the billing details information holding means An information updating step; generating payment details information based on the billing details information held in the billing details information holding means and registering them in the payment details information holding means; and the fee management A deposit information processing step of updating the deposit status information in the deposit details information holding means based on deposit information from a server, and the contract master information further includes billed information and deposited information In the billing information processing step, after the billing information is transmitted, the billed information in the contract master information holding unit is updated, and in the deposit information processing step, a full payment corresponding to the billed information is confirmed. In the case, the installment claim management method is characterized in that the received information in the contract master information holding means is updated .

  In this installment claim management method, when purchase contract information including product identification information, contractor information, billing destination identification information, and contract repayment period regarding a purchased product selected from among products that can be subject to an installment sales contract is notified. , In the contract master information generation step, based on the purchase contract information and the reference information corresponding to the product identification information in the purchase contract information, the product identification information on the purchased product specified in the installment sales contract, the contractor Contract master information including information, billing destination specifying information and contract repayment period is generated. The contract master information generated in this way is stored in the contract master information holding means.

  Based on the contract master information stored in the contract master information holding means in this way, in the billing details information generating step, for each purchased product, the billing amount, billing destination specifying information that is the amount to be billed prior to the next payment request And billing details information including billing status information indicating whether or not billing has been completed. The billing details information generated in this way is stored in the billing details information holding means.

  Based on the billing details information stored in the billing details information holding means in this way, in the billing information processing step, billing information including the billing amount for each billing destination specifying information manages billing issuance and payment. Sent to. Subsequently, in the billing details information updating step, the billing status information of the billing status information held in the billing details information holding means is updated.

  Further, based on the billing details information stored in the billing details information holding means, in the deposit details information generating step, the deposit details information including the deposit status information corresponding to the billing information is generated. The payment details information generated in this way is stored in the payment details information holding means.

When receiving the deposit information from the fee management server, the deposit status information of the deposit status information in the deposit details information holding means is updated based on the deposit information received from the fee management server in the deposit information processing step.
Further, the contract master information further includes billed information and deposited information. In the billing information processing step, the billed information in the contract master information holding means is updated after the billing information is transmitted. In the deposit information processing step, when the full deposit corresponding to the billed information is confirmed, the deposited information in the contract master information holding means is updated. For this reason, by referring only to the contract master information held in the contract master information holding means, it is possible to know the contract contents, the billing status, and the payment status.

  Therefore, by using the installment claim management method of the present invention in the above-described installment claim management system of the present invention, installment claims can be managed reasonably and efficiently.

  In the installment claim management method of the present invention, the billing details information update step can be executed when receiving receipt of the billing information from the fee management server. In this case, it is possible to update the billing status information with a very high probability that the bill will actually be issued, and to improve the reliability of installment claim management.

  In the installment claim management method of the present invention, in the deposit information processing step, the deposit information transmission request can be periodically transmitted to the fee management server. In this case, the deposit information processing means can reliably acquire the deposit information.

  Here, in the deposit information processing step, a request for transmitting the deposit information can be sent to the fee management server every day. In this case, it is possible to quickly reflect that the deposit has been made in the deposit status information in one day or less.

  Further, in the installment claim management method of the present invention, in the claim information processing step, when there are a plurality of billing details information having the same billing destination identification information, the sum of the billing amounts in the plurality of billing details information The billing information including the amount as the billing amount may be sent to the fee management server. In this case, since the number of bills issued to the billing party specified by the billing destination specifying information can be reduced, the load of the bill issuing process by the fee management server is reduced.

  Further, in the installment claim management method of the present invention, the purchase contract information includes a bill selected for the purchased product from a plurality of bill issuance times related to the periodic payment bill issuance by the fee management server. The selective issuance time information corresponding to the issuance time is further included. The billing specification information further includes the selective issuance time information, and the billing information processing step is held in the billing specification information holding unit. It can be executed at a time determined corresponding to the invoice issue time specified by the selected issue time information. In this case, the transmission of the billing information to the fee management server can be rationally distributed, so that the load on the fee management server can be rationally distributed.

  Here, in the billing information processing step, the billing information can be updated when receiving the billing information reception confirmation from the fee management server. In this case, it is possible to update the billed information with a very high probability that the bill is actually issued, and the reliability of the billed information in the contract master information can be improved.

  Further, the billed information can be a billed number of times. In this case, it is possible to easily grasp the invoice issue status up to now.

  Moreover, the said payment completion information can be made into the deposit remaining frequency which shows the frequency | count of deposit required in the future. In this case, it becomes possible to easily grasp the relationship between the current payment status and the invoice issue status.

In the installment claim management method of the present invention, the fee management server further performs a billing process for using the communication service by the purchased product, and the reference information includes contract type information indicating a type of the installment sales contract, and Service discount information that is discount information on the charge for using the communication service corresponding to each contract type information is further included, and the purchase contract information further includes designation of the contract type information and contract date information, The contract master information further includes service contract period information and service discount amount information determined corresponding to the contract type information, the contract date information, and the service discount information, and the billing details information includes the contract date. Information, the service discount period information, and the service discount amount information are further included. During the period defined by screws discount period information, it is possible to the service discount information to send with the billing information to the charge management server. In this case, when a special discount is given during the service campaign period, it is possible to efficiently and reliably charge a service fee with the special discount.

  In the installment claim management method of the present invention, the purchase contract information further includes product discount information that is discount information related to the purchased product, and the contract master information includes a payment each time determined by the product discount information. Each time discount amount information, which is discount amount information for each charge, is further included, and the charge detail information further includes, as the charge amount, discount charge amount information reflecting the respective discount amount information. it can. In this case, for example, using a coupon or a service use point, discount processing can be efficiently and reliably performed when the sales price of the purchased product is discounted and sold.

  As described above, according to the installment claim management system and the installment claim management method of the present invention, there is an effect that it is possible to manage a claim generated by an installment sale contract for a product.

  Hereinafter, an embodiment of the present invention will be described with reference to FIGS. In the drawings, the same or equivalent elements are denoted by the same reference numerals, and redundant description is omitted.

  As shown in FIG. 1, an installment claim management system 100 according to an embodiment is connected to an intranet 500. In addition to the installment claim management system 100, a reference information management server 210, an order reception server 220, and a charge management server 230 are connected to the intranet 500. For this reason, the installment claim management system 100 can communicate with the reference information management server 210, the order reception server 220, and the charge management server 230.

  The installment claim management system 100 will be described below assuming that the installment claim of the mobile phone device sold by installment is managed. Also, the installment sales form is a monthly installment form.

  The reference information management server 210 manages installment sales. The reference information management server 210 registers information on a new installment sale mode sent from a manager terminal device in a sale mode (not shown) every time a new installment sale mode appears. When the new installment sale mode information is registered, the reference information management server 210 uses the new installment sale mode information as reference update information RUI (see FIG. 2), and the installment claim management system 100. Via the intranet 500.

  Further, when the time limit of the installment sales mode that has been implemented with a time limit elapses, the reference information management server 210 uses the installment credit management as reference update information RUI to indicate that the installment sales mode that has expired should be deleted Send to system 100 via intranet 500.

  The order receiving server 220 receives an order from a store terminal device (not shown), an online shop server, or the like. Then, of the received orders, information on the installment sales contract is sent as purchase contract information ODI (see FIG. 2) to the installment claim management system 100 via the intranet 500.

  The charge management server 230 charges for an installment sales fee and a service usage fee. Information exchange between the fee management server 230 and the installment claim management system 100 will be described later.

  FIG. 2 schematically shows the configuration of the installment claim management system 100. As shown in FIG. 2, the installment claim management system 100 includes a reference information storage unit 110R and a contract master information storage unit 110M. The installment claim management system 100 includes a billing details information storage unit 110D and a deposit details information storage unit 110T.

  Furthermore, the installment claim management system 100 includes a reference information update unit 120 and a contract master information generation unit 130. In addition, the installment claim management system 100 includes a billing detail information generation unit 140 and a billing information processing unit 150. Further, the installment claim management system 100 includes a deposit details information generating unit 160 and a deposit information processing unit 170.

The reference information storage unit 110R stores the reference information RIF. As shown in FIG. 3, the reference information RIF includes individual reference information DRF ₁ , DRF ₂ ,..., DRF _j ,.

As shown in FIG. 4, each of the individual reference information DRF _j (j = 1,...) Has an individual reference information code, model information of a mobile phone device to be sold, and an installment repayment period length (for example, 12 Month, 24th month, etc.). Each individual reference information DRF _j (j = 1,...) Performs monthly installment amount information, contract type information, service fee discount information (whether or not there is a communication service fee discount, communication service fee discount). The discount period length (for example, March, June, etc.) and discount amount information, etc. of the communication service fee is included.

Returning to FIG. 2, the contract master information storage unit 110M stores the contract master information MIF. As shown in FIG. 5, the contract master information MIF includes individual contract master information DMF ₁ , DMF ₂ ,..., DMF _k ,.

The individual contract master information DMF _k (k = 1,...) Includes, as shown in FIG. 6, an individual contract master information code, model information of a mobile phone device subject to an installment sales contract, and a monthly installment. And monetary information. Each of the individual contract master information DMF _k includes contractor information that is information on a purchase contractor in an installment sales contract, and billing destination specifying information for specifying a billing destination.

Further, each of the individual contract master information DMF _k includes selection issue time information for designating which time in the month (for example, any of the 5th, 15th and 25th) the invoice is issued; The contract repayment period length (for example, December, 24, etc.) is included. Further, each of the individual contract master information DMF _k includes billed information indicating the invoice issue status up to that point and deposit information indicating the deposit status so far. In the present embodiment, the billed number indicating the number of bills issued so far is adopted as the billed information. Moreover, in this embodiment, the number of remaining payments which shows the number of payments required from now on is employ | adopted as payment completion information.

Further, each of the individual contract master information DMF _k includes contract type information and contract date information. Each of the individual contract master information DMF _k includes service fee discount period information for discounting the communication service fee and service discount amount information for the service fee discount period. Further, each piece of individual contract master information DMF _k includes each-time discount information to be discounted from the installment amount indicated by the installment amount information.

Returning to FIG. 2, the billing details information storage unit 110D stores billing details information DIF. The billing details information DIF includes individual billing details information DDF ₁ , DDF ₂ ,..., DDF _p ,.

As shown in FIG. 8, each of the individual billing details information DDF _p (p = 1,...) Has an individual billing details information code and one or more individual contract masters corresponding to the individual billing details information DDF _p. Corresponding individual contract master information code for specifying information is included. Each of the individual billing details information DDF _p includes a billing date indicating a billing month and billing amount information.

Further, each of the individual billing details information DDF _p includes billing destination specifying information and billing status information indicating a billing result. Each of the individual billing details information DDF _p includes selection issue date information and contract date information. Further, each of the individual billing details information DDF _p includes service fee discount period information and service discount amount information.

Returning to FIG. 2, the deposit details information storage unit 110T stores the deposit details information TIF. As shown in FIG. 9, the deposit details information TIF includes individual bill details DTF ₁ , DTF ₂ corresponding to the individual bill details DDF ₁ , DDF ₂ ,..., DDF _p ,. ,..., DTF _p ,.

As shown in FIG. 10, each of the individual receipt details information DTF _p (p = 1,...) Includes one or more individual contract masters corresponding to the individual receipt details information code and the receipt request details information DTF _p. the corresponding individual contract master information code for identifying the information, corresponding individual billing information code indicating the individual billing information corresponding to the payment billing information DTF _p is included. Further, each of the individual deposit details information DTF _p includes a billing destination specific information code and a billing date indicating a billing month.

Each of the individual deposit details information DTF _p includes a deposit date and a deposit status indicating the deposit status. Further, each of the individual deposit details information DTF _p includes the invoice amount and the total deposit amount actually deposited.

  Returning to FIG. 2, the reference information update unit 120 updates the reference information RIF based on the reference update information RUI received from the reference information management server 210. That is, when information on a new installment sale mode is received as the updated reference information RUI, the reference information update unit 120 generates and registers new individual reference information. When the update reference information RUI is received indicating that the installment sales mode whose term has expired should be deleted, the reference information update unit 120 deletes the corresponding individual reference information. As a result, the reference information RIF maintains a state in which only usable individual reference information is included.

  The contract master information generation unit 130 updates the contract master information MIF by generating and registering new individual contract master information based on the purchase contract information ODI from the order reception server 220.

  Here, in the purchase contract information ODI, as shown in FIG. 11, there are a purchase contract information code, model information of a mobile phone device subject to an installment sales contract, and information of a purchase contractor in the current installment sales contract. The contractor information and billing destination specifying information for specifying the billing destination are included. Further, the purchase contract information ODI includes a contract repayment period length and selective issuance time information.

  Further, the purchase contract information ODI includes contract type information and contract date information. The purchase contract information ODI includes product discount information. Here, the product discount information is, for example, discount information when discounting the price of a mobile phone device to be purchased by using coupons or using service points.

  Returning to FIG. 2, the contract master information generation unit 130 specifies corresponding individual reference information based on the model information and contract type information in the received purchase contract information ODI when generating new individual contract master information. . Subsequently, the contract master information generation unit 130 generates new individual contract master information based on the received purchase contract information ODI and the specified individual reference information. Then, the contract master information generation unit 130 updates the contract master information MIF by registering the generated individual contract master information.

  The billing details information generating unit 140 generates billing details information DIF based on the contract master information MIF. The billing details information generation unit 140 creates individual billing details information for each month in the contract repayment period corresponding to one individual contract master information. Then, the billing details information generation unit 140 updates the billing details information DIF by registering the generated individual billing details information.

  The billing information processing unit 150 creates a billing information DBI based on the billing details information DIF and sends it to the charge management server 230. In addition, when the billing information processing unit 150 receives the billing confirmation DBC from the fee management server 230, the billing information processing unit 150 updates the billing details information DIF and the contract master information MIF based on the billing confirmation DBC. The billing information processing unit 150 having such a function includes a billing information transmission unit 151 and a billing confirmation unit 152, as shown in FIG.

  The billing information transmission unit 151 is the individual billing details information in the billing details information DIF, the billing issue time indicated by the selection issue date information is approaching, and each of the billing status information is unbilled The billing information DBI corresponding to is generated. Then, the billing information transmission unit 151 sends the generated billing information DBI to the fee management server 230. Then, the billing information transmission unit 151 updates the billing status information of the individual billing detail information from “unbilled” to “billed information transmitted”.

  Here, as shown in FIG. 13, the billing information DBI includes an individual billing detail information code, a billing month and month indicating the billing month, and billing amount information. Further, the billing information DBI includes billing destination specifying information and selective issue time information. Further, the billing information DBI includes contract date information, service fee discount period information, and service discount amount information.

  Upon receiving this billing information DBI, the fee management server issues a bill for the mobile phone device to be sold by installment and a bill for the service fee considering the service discount amount to the purchaser.

  Returning to FIG. 12, the billing confirmation unit 152 receives the billing confirmation information DBC from the fee management server 230. This billing confirmation information DBC includes an individual billing detail information code.

  Upon receiving the billing confirmation information, the billing confirmation unit 152 changes the billing status information of the individual billing item information specified by the individual billing item information code included in the billing confirmation information DBC from “billing information transmitted” to “billed”. Update to The billing confirmation unit 152 that has received the billing confirmation information DBC updates the billed information of the individual contract master information indicated by the corresponding individual contract master information code in the specified individual billing detail information.

  The payment details information generation unit 160 generates payment details information TIF based on the billing details information DIF. The deposit details information generating unit 160 generates one individual receipt details information corresponding to one individual billing details information. Then, the payment details information generating unit 160 updates the payment details information TIF by registering the generated individual payment details information.

  Returning to FIG. 2, the deposit information processing unit 170 sends a deposit information request TRR to the fee management server 230. Further, upon receipt of the receipt information TRI from the fee management server 230, the receipt information processing unit 170 updates the receipt details information TIF and the contract master information MIF based on the receipt information TRI. As shown in FIG. 14, the deposit information processing unit 170 having such a function includes a deposit information request unit 171 and a deposit confirmation processing unit 172.

  The deposit information request unit 171 periodically sends a deposit information request TRR to the fee management server 230. In the present embodiment, the payment information requesting unit 171 periodically sends the payment information request TRR to the fee management server 230 every day.

  The payment confirmation processing unit 172 receives the payment information TRI from the fee management server 230. As shown in FIG. 15, the deposit information TRI includes an individual billing detail information code and a billing month and month indicating a billing month. Further, the payment information TRI includes the payment date and the payment amount.

  Returning to FIG. 14, the receipt confirmation processing unit 172 that has received the receipt information TRI specifies individual receipt details information corresponding to the individual billing details information code in the receipt information TRI. Subsequently, the deposit confirmation processing unit 172 updates the deposit date, the total deposit amount, and the deposit status in the specified individual deposit details information based on the deposit date and deposit amount in the deposit information TRI. Here, when the total deposit amount is less than the full amount (billed amount), the deposit confirmation processing unit 172 updates the deposit status to “with remaining amount”. When the total deposit amount is full, the deposit confirmation processing unit 172 updates the deposit status to “full deposit” and indicates the corresponding individual contract master information code in the specified individual deposit details information. Update the received information in the individual contract master information.

[Operation]
Next, the operation of the installment claim management system 100 configured as described above will be described.

  When receiving the reference update information RUI from the reference information management server 210, the reference information update unit 120 updates the reference information RIF based on the received reference update information RUI as described above. In parallel with the update process of the reference information RIF by the reference information update unit 120, the installment claim management system 100 executes the installment claim management process.

  In this installment receivable management process, as shown in FIG. 16, when receiving the purchase contract information ODI from the order reception server 220, the contract master information generation unit 130 starts the contract master information generation process in step S11. . In this contract master information generation process, first, the contract master information generation unit 130 specifies individual reference information to be referred to based on the model information and contract type information in the received purchase contract information ODI. If there is no individual reference information to be referred to, the contract master information generation unit 130 returns that fact to the order receiving server, although not shown.

  Subsequently, the contract master information generation unit 130 generates new individual contract master information based on the received purchase contract information ODI and the specified individual reference information. Then, the contract master information generation unit 130 updates the contract master information MIF by registering the generated individual contract master information.

  When generating the new individual contract master information, the contract master information generating unit 130 derives service discount period information and service discount amount information from the service fee discount information in the specified individual reference information. Further, the contract master information generation unit 130 obtains discount information each time when information (point number, coupon type) reflecting the total discount amount is specified in the product discount information of the received purchase contract information ODI. .

  Further, the contract master information generation unit 130 sets the billed information and the paid information in the newly created individual contract master information to initial values. In the present embodiment, the contract master information generation unit 130 sets the billed number of times, which is billed information, to “0”, and sets the remaining number of deposits, which is the deposited information, to the same number of months as the contract repayment period length. Set.

In parallel with the processing of step S11 described above, the billing details information generation unit 140 refers to the individual contract master information DMF ₁ ,... Of the contract master information MIF, and the individual contract master that has reached the time when a new invoice should be issued. Extract information. In this extraction, the billing details information generation unit 140 has the number of billed times indicated by the billed information in each contract master information less than the same number of months as the contract repayment period length, and the selective issuance time is approaching. This is done by extracting things.

  As a result of the extraction of the individual contract master information, when the individual contract master information that has arrived at the time when a new invoice is to be issued is found, the billing details information generation unit 140 performs the billing details information generation processing in step S21 of FIG. Start. In the billing details information generation process, first, the billing details information generation unit 140 generates new individual billing details information based on the extracted individual contract master information. Then, the billing details information generation unit 140 updates the billing details information DIF by registering the generated individual billing details information.

  In generating the new individual billing details information, the billing details information generation unit 140 subtracts each discount amount indicated by each discount information from the installment amount information in the extracted individual contract master information to obtain billing amount information. calculate. Further, the billing details information generating unit 140 sets the billing status information in the newly created individual billing details information to “unbilled”.

When it is time to send the billing information DBI to the charge management server 230 after the individual billing details information generation process, the billing information processing unit 150 (more specifically, the billing information transmission unit 151) Referring to the individual billing details information DDF ₁ ,..., The individual billing details information at the time when billing information should be newly issued is extracted. In this extraction, the billing information processing unit 150 extracts billing status information in each billing detail information that is “unbilled” and that it is time to transmit the billing information in view of the selection issue timing. It is done by.

  As a result of the extraction of the individual billing details information, when the individual billing details information at the time when the billing information is to be newly transmitted is found, the billing information processing unit 150 starts the billing information transmission process in step S22. In the billing information transmission process, billing information processing unit 150 creates billing information DBI based on the extracted individual billing details information. Then, the billing information processing unit 150 sends the created billing information DBI to the fee management server 230. Thereafter, the billing information processing unit 150 updates the billing status information of the individual billing details information from “unbilled” to “billed information transmitted”.

  After transmitting the billing information DBI as described above, when billing confirmation information is received from the fee management server 230, the billing information processing unit 150 starts the billing confirmation process in step S23. In this billing confirmation process, the billing information processing unit 150 (more specifically, the billing confirmation unit 152) first charges the individual billing specification information specified by the individual billing specification information code included in the received billing confirmation information. Update the status information from “billed information sent” to “billed”.

  Subsequently, the billing information processing unit 150 updates the billed information of the individual contract master information indicated by the corresponding individual contract master information code in the specified individual billing detail information. That is, the number of billed times that is billed information is increased by one.

  In parallel with the above processes, the payment details information generating unit 160 periodically refers to the billing details information DIF, and extracts the individual billing details information newly registered after the previous reference. As a result, when new individual billing details information is extracted, the deposit details information generator 160 starts the deposit details information generation process in step S31 shown in FIG. In the payment details information generation process, the payment details information generator 160 first generates new individual payment details information based on the extracted individual billing details information. Then, the payment details information generating unit 160 updates the payment details information TIF by registering the generated individual payment details information.

  In parallel with the above processes, the deposit information processing unit 170 (more specifically, the deposit information request unit 171) periodically sends the deposit information request TRR to the fee management server 230 in step S32. As described above, in this embodiment, the payment information request unit 171 periodically sends the payment information request TRR to the fee management server 230 every day.

  When receiving the receipt information TRI sent from the fee management server 230 in response to this receipt information request TRR, the receipt information processing section 170 (more specifically, the receipt confirmation processing section 172) performs the receipt confirmation process in step S33. Start. In this deposit confirmation process, the deposit information processing unit 170 specifies individual receipt details information corresponding to the individual billing details information code in the receipt information TRI. Subsequently, the deposit information processing unit 170 updates the deposit date, the total deposit amount, and the deposit status in the specified individual deposit details information based on the deposit date and deposit amount in the deposit information TRI.

  Here, when the total deposit amount is less than the full amount (billed amount), the deposit information processing unit 170 updates the deposit status to “with remaining amount”. If the total deposit amount is full, the deposit information processing unit 170 updates the deposit status to “full deposit” and indicates the corresponding individual contract master information code in the specified individual receipt details information. Update the received information in the individual contract master information. That is, the remaining number of deposits, which is the deposited information, is reduced by 1.

  As described above, in this embodiment, when purchase contract information ODI including model information, contractor information, billing destination identification information, and contract repayment period of a mobile phone device that can be an object of an installment sales contract is notified, The master information generation unit 130 generates new individual contract master information based on the purchase contract information ODI and the individual reference information corresponding to the purchase contract information ODI in the reference information RIF, and in the contract master information MIF. Register with. Based on the individual contract master information generated in this way, the billing details information generation unit 140 indicates billing amount information, billing destination identification information, and billing status prior to the next payment request. Individual billing details information including information is generated and registered in the billing details information DIF.

  Further, based on each individual billing detail information, the billing information processing unit 150 sends a billing information DBI including the billing amount to the charge management server 230 that manages billing and payment. Subsequently, the billing information processing unit 150 updates the billing status information in the individual billing details information.

  Also, based on the individual billing details information, the payment details information generator 160 generates individual payment details information including the payment status information and registers it in the payment details information TIF. Then, upon receipt of the deposit information TRI from the fee management server 230, the deposit information processing unit 170 updates the deposit status in the corresponding individual deposit details information based on the received deposit information.

  In other words, in the present embodiment, when managing installment receivables of mobile phone devices, contract master information, billing details information and deposit details information that are held independently of each other are sequentially generated corresponding to the order, billing and receipt stages. And update as appropriate. Therefore, according to the present embodiment, installment receivables can be managed rationally and efficiently with a simple configuration.

  In the present embodiment, when the billing information processing unit 150 receives billing confirmation information from the fee management server 230, the billing status information in the individual billing details information is updated. For this reason, it is possible to update the billing status information with a very high probability that an invoice will actually be issued, and to improve the reliability of installment claim management.

  In this embodiment, the payment information processing unit 170 periodically sends a payment information request to the fee management server 230. For this reason, the receipt information processing part 170 can acquire receipt information reliably.

  In the present embodiment, the deposit information processing unit 170 sends a deposit information request to the fee management server 230 every day. For this reason, the period from the actual deposit to the update of the deposit status information can be set to one day or less, and the reflected deposit status information can be quickly reflected.

  Further, in the present embodiment, the purchase contract information ODI corresponds to the invoice issue time selected for the purchased product from a plurality of invoice issue times related to the issuance of periodic payment invoices by the fee management server 230. The selective issuance time information is further included, and the individual billing details information further includes the selective issuance time information, and the billing information processing unit 150 responds to the invoice issuance time specified by the selective issuance time information. The billing information is sent to the charge management server 230 at a fixed time. For this reason, since the transmission of the billing information to the charge management server 230 can be reasonably distributed, the load on the charge management server 230 can be rationally distributed.

  In the present embodiment, the individual contract master information further includes billed information and deposited information, and the billing information processing unit 150 updates the billed information after transmitting the billing information. The deposit information processing unit 170 updates the deposited information when full deposit is confirmed. For this reason, by referring only to the contract master information MIF, it is possible to know the contract contents, the billing status, and the payment status.

  In the present embodiment, when the billing information processing unit 150 receives the billing confirmation information DBC from the fee management server 230, the billing information is updated. For this reason, it is possible to update the billed information with a very high probability that the bill is actually issued, and it is possible to improve the reliability of the billed information in the contract master information MIF.

  In the present embodiment, the billed information is the number of billed times. For this reason, it is possible to easily grasp the invoice issue status up to now.

  Moreover, in this embodiment, the number of remaining payments which shows the number of payments required in the future is employ | adopted as payment completion information. For this reason, it becomes possible to easily grasp the relationship between the current payment status and the invoice issue status.

  Further, in the present embodiment, the individual reference information further includes service discount information that is discount information on the charge for using the communication service corresponding to the contract type, and the purchase contract information ODI includes the designation of contract type information and the contract. Further date information is included. For this reason, when a special service fee discount is made during the campaign period, it is possible to efficiently and reliably bill the service fee with the special discount.

  In the present embodiment, the purchase contract information ODI includes discount information related to the mobile phone device to be purchased. For this reason, for example, discount processing can be efficiently and reliably performed when the selling price of the mobile phone device is discounted and sold by using coupons or service use points.

[Modification of Embodiment]
The present invention is not limited to the above-described embodiment, and various modifications are possible.

  For example, in the above embodiment, the number of billed times and the number of remaining payments are adopted as the billed information and the paid information in the individual contract master information. However, if the information reflects the billed status and the paid status, other information Types of information can be employed.

  In the above embodiment, the individual billing detailed information for each month in the contract repayment period is created corresponding to one individual contract master information. On the other hand, when there are a plurality of individual contract master information having the same billing destination specifying information, one individual billing detailed information is generated corresponding to the plurality of individual contract master information, and the billing amount information is Also, the sum of billing amounts determined from each of the plurality of individual contract master information can be used.

  In the above embodiment, the installment sales target is the mobile phone device, but the present invention can be applied even when other products are the installment sales target.

  As described above, the installment claim management system and installment claim management method of the present invention can be applied to the management of claims generated by installment sales contracts.

It is a figure for demonstrating the various servers connected with the installment loan management system which concerns on one Embodiment of this invention. It is a block block diagram which shows schematically the structure of the installment claim management system which concerns on one Embodiment of this invention. It is a figure for demonstrating the structure of the reference information of FIG. It is a figure for demonstrating the content of the separate reference information of FIG. It is a figure for demonstrating the structure of the contract master information of FIG. It is a figure for demonstrating the content of the individual contract master information of FIG. It is a figure for demonstrating the structure of the billing details information of FIG. It is a figure for demonstrating the content of the individual claim detailed information of FIG. It is a figure for demonstrating the structure of the payment details information of FIG. It is a figure for demonstrating the content of the individual payment detailed information of FIG. It is a figure for demonstrating the content of the purchase contract information (ODI) of FIG. It is a block diagram for demonstrating the structure of the claim information processing part of FIG. It is a figure for demonstrating the content of the claim information (DBI) of FIG. It is a block diagram for demonstrating the structure of the payment information processing part of FIG. It is a figure for demonstrating the content of the payment information (TRI) of FIG. It is a sequence diagram for demonstrating the production | generation process of contract master information. It is a sequence diagram for demonstrating the production | generation process of billing details information, and billing information processing. It is a sequence diagram for demonstrating the production | generation process of payment details information, and payment information processing.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 100 ... Installment receivable management system, 110R ... Reference information storage part (reference information holding means), 110M ... Contract master information storage part (contract master information holding means), 110D ... Billing details information storage part (billing details information holding means), 110T ... Payment details information storage unit (Payment details information holding unit), 120 ... Reference information update unit, 130 ... Contract master information generation unit (contract master information generation unit), 140 ... Billing details information generation unit (billing details information generation unit) ), 150... Billing information processing unit (billing information processing unit), 151... Billing information transmitting unit, 152... Billing confirmation unit, 160. (Payment information processing means), 171 ... deposit information request unit, 172 ... deposit confirmation processing unit, 210 ... reference information management server 20 ... the order receiving server, 230 ... Price from management server.

Claims (6)

An installment receivable management system for managing receivables generated by installment sales contracts for mobile phone devices ,
Reference information holding means for holding reference information including an installment repayment period and an installment amount corresponding to each product identification information of a product that can be a target of the installment sales contract;
Contract master information holding means for holding contract master information including product identification information, contractor information, billing destination identification information, and contract repayment period related to the purchased product specified in the installment sales contract;
Based on the product identification information on the purchased product selected from among the products that can be the target of the installment sales contract, the contractor information, the billing destination specifying information and the contract repayment period, and the reference information, Contract master information generating means for generating contract master information and registering it in the contract master information holding means;
Billing information holding means for holding billing information including billing amount that is the amount of money to be charged, billing destination specifying information, and billing status information indicating whether or not the product has been charged;
A request for generating the billing details information and registering it in the billing details information holding means for each purchased product prior to the next payment request based on the contract master information held in the contract master information holding means. Detailed information generating means;
For each billing destination specifying information, billing information including a billing amount is sent to a charge management server that manages bill issuance and payment, and thereafter the billing status information held in the billing details information holding unit is updated. Billing information processing means;
Deposit details information holding means for holding deposit details information including receipt status information corresponding to the billing information;
Deposit details information generating means for generating the deposit details information based on the bill details information held in the bill details information holding means and registering it in the deposit details information holding means;
Comprising a,; based on the payment information from the charge management server, and money information processing means for updating the payment status information in the deposit specification information holding means
The contract master information further includes billed information and deposited information,
The billing information processing means updates the billed information in the contract master information holding means after transmission of the billing information,
The payment information processing means updates the payment information in the contract master information holding means when a full payment corresponding to the billed information is confirmed.
Installment receivable management system characterized by that. When there is a plurality of pieces of billing specification information having the same billing destination specifying information, the billing information processing unit includes a sum of billing amounts in the plurality of billing specification information as the billing amount. The installment claim management system according to claim 1 , wherein the installment claim management system is sent to the charge management server. The purchase contract information further includes selection issue time information corresponding to an invoice issue time selected for the purchased product from a plurality of invoice issue times related to periodic issuance of payment invoices by the fee management server. Included,
The billing details information further includes the selective issue time information,
The bill information processing means refers to the selective issuance time information held in the billing detail information holding means, and the billing information is determined at a time determined corresponding to the bill issuance time specified by the selective issuance time information. To the charge management server,
The installment claim management system according to claim 1 or 2 , characterized in that. The charge management server further performs a billing process for using the communication service by the purchased product,
The reference information further includes contract type information indicating the type of the installment sales contract, and service discount information which is discount information on the charge for using the communication service corresponding to each contract type information,
The purchase contract information further includes designation of the contract type information and contract date information,
The contract master information further includes service contract period information and service discount amount information determined corresponding to the contract type information, the contract date information, and the service discount information,
The billing details information further includes the contract date information, the service discount period information, and the service discount amount information,
The billing information processing means sends the service discount amount information together with the billing information to the fee management server during a period determined by the service discount period information.
The installment claim management system according to any one of claims 1 to 3 , wherein The purchase contract information further includes product discount information that is discount information related to the purchased product,
Each contract master information further includes each discount amount information that is discount amount information for each payment request determined by the product discount information,
The billing details information further includes, as the billing amount, discount billing amount information reflecting each discount amount information.
The installment claim management system according to any one of claims 1 to 4 , characterized in that: Reference information holding means for holding reference information including an installment repayment period and an installment amount corresponding to each product identification information of a mobile phone device that can be a target of an installment sale contract; purchased product specified in the installment sale contract Contract master information holding means for holding contract master information including product identification information, contractor information, billing destination specifying information, and contract repayment period; billing amount that is an amount to be charged for each purchased product; Billing detail information holding means for holding billing specification information including pre-specified information and billing status information indicating whether or not billing has been performed; holding deposit details information including payment status information corresponding to the billing information An installment claim management method used in an installment claim management system comprising:
Based on the product identification information on the purchased product selected from among the products that can be the target of the installment sales contract, the contractor information, the billing destination specifying information and the contract repayment period, and the reference information, A contract master information generating step of generating contract master information and registering it in the contract master information holding means;
A request for generating the billing details information and registering it in the billing details information holding means for each purchased product prior to the next payment request based on the contract master information held in the contract master information holding means. Detailed information generation step;
A billing information processing step of sending billing information including a billing amount for each billing destination specifying information to a charge management server that manages billing and payment;
A billing details information updating step for updating the billing status information held in the billing details information holding means;
A payment details information generating step of generating the payment details information based on the billing details information held in the billing details information holding means and registering it in the payment details information holding means;
A deposit information processing step of updating the deposit status information in the deposit details information holding means based on the deposit information from the fee management server;
The contract master information further includes billed information and deposited information,
In the billing information processing step, after the billing information is transmitted, the billed information in the contract master information holding unit is updated,
In the deposit information processing step, when the full deposit corresponding to the billed information is confirmed, the deposited information in the contract master information holding means is updated.
An installment claim management method characterized by the above.

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