JP6022720B1 - Receivables processing management system, control method of receivables processing management system, receivables processing management system program, and recording medium - Google Patents

Abstract

[PROBLEMS] To provide settlement for collecting delinquent funds, including delinquencies that have already been delinquent, and to provide delinquent business management or advisory services related to administrative business. Process receivables in the company. [Solution] When consigning collection work such as condominium management expenses to an entity, after confirming necessary matters such as approval at the general meeting of the apartment management association, the condominium management expenses are replaced by the entity. When payment is made and the property owner is purchased, the contract is made between the lawyer in charge and the entity, and the purchase fund company and the entity. Furthermore, in response to delinquency of management costs etc. by credit card, sales by cancellation slips are canceled or receivables are sold. [Selection] Figure 18

Description

  The present invention relates to a bond processing management system, a control method for a bond processing management system, a bond processing management system program, and a recording medium.

  With the number of condominiums stocked at around 6 million throughout Japan, large-scale repairs such as earthquake-resistant repairs of condominiums that are frequently heard after the Great East Japan Earthquake, barrier-free measures due to aging and aging of residents, etc. It is an environment where needs are increasing. However, when considering the construction, there are various problems that cannot be solved by the condominium management association alone.

  Among them, the biggest problem is the problem of non-payment of administrative expenses, which is the fund for large-scale repairs. In recent years, the number of non-payments has increased and the amount of non-payments has become large, so the screening standards cannot be cleared. Many condominiums are in a situation where they cannot receive borrowings from JFC and other financial institutions and cannot even consider construction. For example, according to the “Condominium Comprehensive Survey” (FY2008), 38.5% of the condominiums have residents who have been delinquent for administrative expenses and reserves for repairs for more than three months. 2% (http://www.homes.co.jp/cont/press/buy/buy_00040/). Furthermore, since large-scale repairs cannot be carried out due to lack of funds, this results in a vicious circle of further decline in the value of condominium assets.

  In such a situation, the board of directors and management companies of many condominium management associations strive to resolve delinquencies such as administrative expenses, but all management associations have expertise and know-how regarding delinquency. Since the management company does not necessarily have it, the delinquency does not decrease as a result, and the amount of delinquency increases.

  In addition, due to institutional problems, delinquency not only ultimately becomes the responsibility of the condominium board, but condominium management associations are rarely incorporated. Even if it is possible to take appropriate countermeasures, the consortium's efforts to deal with delinquent delinquency problems often end up being labored without effective measures being taken by non-corporate management unions.

  Nowadays, due to the spread of credit cards as a general payment method, not only the purchase of relatively expensive products but also the payment of small items, the card payment system is widely used. A technique for performing a fixed amount of recurring settlement with a credit card or the like, such as a management fee for a real estate rental property that has not been targeted, has been disclosed.

  Regarding this credit card, a credit card by a so-called international brand card company is called a proper card, and a credit card issued by an international brand card company in cooperation with a general company is called a partner card. Further, the house card is also called a mono-purpose (single-purpose) card, and becomes a credit card that restricts the use limit and credit loss by limiting the use of only a specific member store. On the other hand, so-called international brand cards and affiliated cards are a kind of general-purpose cards, and become credit cards that can be used at international brand member stores around the world. Furthermore, even with proper cards and affiliated cards, which are originally general-purpose cards, the same functions as house cards can be provided if the purpose of use is limited to payment of related expenses such as administrative expenses. . In addition, in ordinary credit cards, for example, there are so-called shopping slots that can be used for purchasing goods and the like in various stores, and so-called cashing slots that can borrow cash etc. If you set up a payment allowance for administrative expenses, etc. and a credit allowance for payment of administrative expenses, etc., you will still be able to respond in the same way as a house card. Exists.

  Also, by using the price collection function provided for credit cards, etc., not only for house cards, it is possible to guarantee debt temporarily even if the condominium owner defaults, but such rents etc. Regarding this process, a technical idea that supports collection has already been released.

  Cancellation slips, also called cancellation slips and return slips, are used when returning merchandise that has already been purchased with a credit card. When a member issues a card, the merchant returns the advance payment to the card company, but there are various ways to deal with these various slip processes.

  Comprehensive member stores are companies that satisfy certain conditions by entering into comprehensive member store agreements with each card company, such as shopping malls, chain store headquarters, oil retailers, and card payment agency companies (store child member stores) On the other hand, with the mechanism to open the payment service for the card, the comprehensive member store examines whether or not it is a store child member store and then exchanges with each card company on behalf of the store child member store. Thus, it is widely known in the same industry to perform operations such as card sales processing and receipt of advance payment.

Japanese Patent No. 4926282 JP 2011-187035 A International Publication No. 01/054013 JP 2002-15130 A

  As described above, with respect to the conventional technology related to fixed amount and repeated payment, as disclosed in, for example, Japanese Patent No. 4926282, a technical idea of performing a payment for a rental or the like with a credit card or the like is disclosed.

  As described above, with respect to rent, etc., regarding the technical idea of reducing the effort to find joint guarantee, reducing initial burden such as security deposit, security deposit, key money, etc. As disclosed in Japanese Patent No. 187035, monetary time can be provided to tenants, real estate management companies, and leasing companies related to rental properties through, for example, a payment guarantee function by credit card processing, a real estate management company, and an intermediary company. The technical idea to reduce the recovery risk such as the burden on management and management costs is disclosed.

  As for the technical idea of guaranteeing a debt using a credit card or the like, for example, as disclosed in International Publication No. WO 01/054013, a collection mechanism relating to payment provided by a credit issuer is used to If it is possible to collect administrative expenses, etc. related to the divisional ownership, and the administrative expenses etc. cannot be withdrawn from the financial institution account, etc., the credit card issuer will contact the real estate agent etc. for a predetermined number of months The technical idea of paying in advance is disclosed.

  Furthermore, regarding the technical idea of liquidation of real estate receivables, as disclosed in, for example, Japanese Patent Application Laid-Open No. 2002-15130, the trustee holds the credit held by the creditor to the trustee, A technical idea is disclosed in which the trustee sells the beneficiary rights of the trusted receivables to the investors and mobilizes them to raise funds to the trustees with the beneficiary rights price. As described above, the patent documents are shown as described above. However, in any document, the effective collection of so-called past receivables that have already been unpaid and determined to be unpaid for the condominium management expenses to be paid by the category owner. A technical idea related to processing is not disclosed.

  Furthermore, with regard to payments by credit cards, etc. for administrative expenses etc., the number of issued credit cards in Japan exceeds 300 million and is saturated, even if the payment by credit card is stipulated according to the rental provisions etc. It is difficult to ask for a new credit card just to pay for administrative expenses. Furthermore, with cards that can be used at a wide range of member stores, such as so-called credit cards, for example, when the amount of payment for goods purchases becomes high and payment is not possible due to insufficient balance of financial institutions, etc. At the same time, there is a risk of default. As described above, in the case of the credit card, when the condominium owner defaults on the debt, the important management costs cannot be settled.

  In order to solve the above problems, by constructing a system that exceeds the framework of existing condominium management associations and management companies, in addition to the problem of delinquencies such as condominium management costs that are likely to occur in the future, It is also an object of the present invention to provide a system for smoothly proceeding with a procedure for comprehensively and reliably collecting non-payment funds relating to so-called past claims that have been generated in arrears. To that end, apart from the condominium management association and management company, not only settles management expenses, but also charges a certain amount of fees, etc. as consideration for reimbursement of delinquent funds such as management expenses without delay. It is assumed that there is an entity in charge of management.

In order to solve the above problems, in the claim processing management system according to the present application,
This is a settlement agency delinquency management system related to business consignment related to past receivables that have been delinquent among expenses including management expenses for condominiums, which is responsible for receivables processing management business comprising at least a management device database and a management device server A management system that is a business entity, a customer system that has at least the same decision-making ability as an apartment management association or at least a customer device memory and a customer device processor, a trust agency system that has a trust function, and a lawyer or legal qualification A beneficiary representative system for financial institutions and a financial institution system for finance,
In the management device database, the condominium management association or those having the same decision-making ability as the association, outsource the outsourcing of the past claims that were delinquent among the expenses including the management costs of the apartment. In order to determine the applicable condominium management association as a business consignment target based on information indicating that the processing required for the management union or a decision-making equivalent to that of the management association is effective. First storage means for storing information necessary for the determination and the determination result;
Means for displaying information stored by the first storage means;
A second storage means for storing information relating to the settlement means of past claims that have been delinquent among expenses including the condominium management expenses being made by credit card payment settlement;
Means for displaying information stored by the second storage means;
Regarding the card payment of past receivables that have been delinquent among the expenses including the condominium management fee, the third information is stored in the customer column on the management device database of the management system that is the comprehensive member store, the information about the customer system that is the store member store. Storage means,
Means for displaying the information stored by the third storage means;
A customer system that is a store affiliated store specified by information stored in the customer column on the management device database of the management system that is a general affiliated store for card payment of past claims that have been delinquent among expenses including the apartment management fee For payment services by card companies,
Concerning card payment of past receivables that were delinquent among expenses including condominium management expenses,
(1) Information relating to the date on which the cancellation slip is issued in the management system in response to the cancellation slip issuance request sent from the card company, or (2) the cost including the apartment management fee sent from the card company Sale date information sold after the receivables were held for a certain period of time,
Is stored as the fourth storage means,
Means for displaying the information stored by the fourth storage means.

A fifth storage means for storing information on the type of the card with respect to the card payment of the past receivables that are delinquent among the expenses including the condominium management fee;
Means for displaying the information stored by the fifth storage means.

Stores information relating to credit card amount for payment of past receivables that are delinquent among expenses including condominium management costs in the card, in relation to card payments of past receivables that are delinquent among expenses including the condominium management costs 6 storage means;
Means for displaying the information stored by the sixth storage means.

Seventh storage means for storing information that does not actually issue a card as a card used for payment of past claims that have been delinquent among expenses including the condominium management fee;
Means for displaying the information stored by the seventh storage means.

An eighth storage means for storing information relating to points to be given according to the amount of use of the card, with respect to card payment of past claims that are delinquent among expenses including the condominium management fee;
Means for displaying the information stored by the eighth storage means.

Ninth storage means for storing information relating to a result of compensating the granted points for payment of past claims that were arrears out of expenses including the condominium management costs;
Means for displaying the information stored by the ninth storage means.

In order to make the advance payment to the condominium management association for the advance payment by the above-mentioned business consignment, subtracting the fee from the total amount of the past due principal and the arrearage amount out of the expenses including the apartment management fee A means of calculating the necessary information;
Tenth storage means for storing the calculated information;
Means for displaying the information stored by the tenth storage means.

A settlement agency delinquency management system related to business consignment and / or advisory business regarding settlement and delinquency of future claims out of expenses including management costs for condominiums, the system comprising at least a management device database and a management device server Management system, which is a business entity in charge of debt processing management and / or advisory services, a condominium management association comprising at least a customer device memory and a customer device processor, or a customer system having a decision capability equivalent to that of the association, and a trust function Determining ability equivalent to the condominium management association or union, which is provided with a trust organization system, a beneficiary representative system for lawyers or legally qualified persons, and a financial institution system for finance, and stored in the management device database The settlement and delinquency Based on information indicating that the processing required to entrust business outsourcing and / or advisory business to a subcontractor is performed by a management union or a person having decision-making ability equivalent to that of the management union and is effective Eleventh storage means for storing information necessary for determining the applicable condominium management association as a target of business consignment and / or advice business and the determination result;
Means for displaying information stored by the eleventh storage means;
Out of the expenses including the condominium management expenses, as outsourcing to the consignee regarding the settlement of future claims and non-payment,
Information necessary for transferring expenses including the condominium management cost of the category owner to the trust account of the one having the trust function, and information relating to the result of transfer to the trust account by information transmitted from the one having the trust function And information regarding the result of trust preservation of expenses including the condominium management cost of the category owner transferred to the trust account, although having the trust function, and a trust transmitted from the financial institution or an equivalent business function Twelfth storage means for storing information relating to the result of maintenance, and information relating to the result of canceling the trust including the condominium management cost transmitted from the financial institution or one having an equivalent business function;
Means for displaying the information stored by the twelfth storage means;
Of the expenses including the condominium management costs, as outsourcing to the consignee regarding the settlement and delinquency of future claims,
Regarding the reimbursement payment for the business consignment, the financial institution or an equivalent business function is obtained by subtracting the fee related to the cost recovery including the condominium management cost for the fixed period from the cost including the condominium management cost for the segment owner for the fixed period. A means for calculating information necessary for reimbursement to a condominium management association from
Thirteenth storage means for storing the calculated information;
Means for displaying the information stored by the thirteenth storage means;
As part of outsourcing and / or advisory services to consignees regarding the settlement and delinquency of future claims out of expenses including the condominium management expenses,
A means for calculating the amount of deposits, non-payments, and expenses required to collect non-payments for each period, including administrative expenses for a certain period,
Means for calculating the total amount of the non-payment amount and the cost required for collecting the non-payment for each owner,
Fourteenth storage means for storing information relating to the result by the means for calculating;
Means for displaying the information stored by the fourteenth storage means;
As part of outsourcing and / or advisory services to consignees regarding the settlement and delinquency of future claims out of expenses including the condominium management expenses,
Means for calculating the non-payment amount and the cost required for collecting the non-payment for each management association;
Fifteenth storage means for storing information relating to the result by the calculating means;
Means for displaying the information stored by the fifteenth storage means.

Of the expenses including the condominium management cost, the means for settlement of future claims is information relating to at least one of account transfer, credit card payment settlement, and convenience store payment settlement, and either settlement or settlement settlement means. Sixteenth storage means for storing information on whether or not
Means for displaying the information stored by the sixteenth storage means.

When using a card for payment of future claims out of expenses including the condominium management fee, information relating to the customer system that is the store member store is stored in the customer column on the management device database of the management system that is the comprehensive member store. 17 storage means;
Means for displaying the information stored by the seventeenth storage means.

Customers who are store affiliated stores specified by information stored in the customer column on the management device database of the management system that is a general affiliated store when using a card for payment of future claims out of the expenses including condominium management costs In performing payment services by card companies for the system,
Concerning card payment of expenses including condominium management expenses,
(1) Information relating to the date on which the cancellation slip is issued in the management system in response to the cancellation slip issuance request sent from the card company, or (2) the cost including the apartment management fee sent from the card company Information on the date on which the receivable was sold after being held for a certain period of time,
Is stored as the eighteenth storage means,
Means for displaying the information stored in the eighteenth storage means.

19th storage means for storing information on the type of the card when using a card for payment of future claims of the cost including the condominium management fee;
Means for displaying the information stored by the nineteenth storage means.

A twentieth storage means for storing information relating to a credit amount for payment of a cost including the condominium management cost in the card when using a card for payment of a future credit among the costs including the condominium management cost;
Means for displaying the information stored by the twentieth storage means.

21st memory | storage means to store the information which does not actually issue a card | curd as a card | curd used for payment of a future credit among expenses including the said apartment management expenses,
Means for displaying the information stored by the twenty-first storage means.

22nd memory | storage means to store the information regarding the point provided according to the usage amount of this card | curd, when using a card | curd for payment of future credits among expenses including the said apartment management expense,
Means for displaying the information stored by the twenty-second storage means.

A twenty-third storage means for storing information relating to a result of supplementing the given points with payment of expenses including the condominium management expenses;
Means for displaying the information stored by the twenty-third storage means.

Moreover, in the control method of the bond processing management system,
The claim processing management system is realized.

Furthermore, in the program of receivables processing management system,
The claim processing management system is caused to function on a computer.

Furthermore, in the program recording medium of the bond processing management system,
It is a recording medium equipped with a program that causes a computer to function the bond processing management system.

  In the operation of the condominium management association, the existence of an apartment management company, a condominium manager, etc. cannot be ignored, but here it is assumed that it is integrated with the apartment management association and is not particularly distinguished in the description.

  The present invention is intended to solve the above-described conventional problems, and when a non-payment occurs when, for example, a management fee for a condominium owned apartment is paid by a credit card or the like, In particular, the present invention provides a bond processing management system, a method for controlling the bond processing management system, a bond processing management system program, and a recording medium.

  In addition, not only for future claims but also for past claims, if credit cards are unpaid, condominiums that have been unpaid by credit cards due to the issuance of cancellation slips for unpaid receivables and sale of receivables to debt collectors Can be prevented from being subject to invalidation processing of other credit cards, and further, new card issue stop processing.

Furthermore, regarding card settlement, the business entity is a comprehensive member store, and the condominium management association is a store child member store. In addition, as described above, a comprehensive member store is a member store that manages a plurality of store child member stores. It is possible for the business entity in charge of the system to construct a system for receiving payments in a lump from the condominium classification owner for management costs and the like. Furthermore, with regard to the mechanism of comprehensive member stores and store child member stores, the parent member relationship between the general member store and the store child member store is separated, for example, the member member store and the store child member store partner, It is also possible to build a mechanism for processing administrative expenses such as affiliation between member stores. Furthermore, in the event that payment by credit card is defaulted, a card as a debt will be issued from the entity in charge of the said claim processing management business, which is a comprehensive member store, by issuing a cancellation slip for the corresponding default sales. By canceling sales to the company, not only the credit card company's debt is taken over, but for example, after the credit card company holds the debt for a certain period of time, the non-performing portion is treated as a credit, for example, not only the debt collector but also the debt processing management by the sale to the entity in charge of the business, to enable the pull and Rukoto the debt from the card company. It is to be noted that, as of so-called credit card, rather than a possible card used in a wide range of merchants, if you make a payment by the house card that specializes in administrative expenses, etc., relates to a house card that specializes in administrative expenses, such as, for example credit card By securing funds in an account of another financial institution and making payment from here, it becomes possible to separate from normal purchase of goods. Furthermore, points or the like for providing various services or the like can be given according to the payment amount of the management fee or the like related to the management fee or the like by the credit card.

As described above, in the present invention, regarding the problem of delinquents such as condominium management costs, it is possible not only to easily grasp the delinquency status of owners such as condominium management costs or the entire condominium, but for example, settlement of condominium management costs etc. In addition to making reimbursement payments, if credit card payments fail, the business responsible for the processing of receivables, which is a comprehensive member store, issuance of cancellation slips for the relevant default sales By canceling the sales from the body to the card company as a debt , it becomes possible to reduce the debt associated with the card company due to non-payment. As described above, in the first embodiment of the present invention, the procedure for recovering new condominium management expenses, etc. that occur every month, for example, with respect to the divided owners who have already been delinquent and have incurred receivables. Can do. Still further, in the second embodiment of the present invention, after a credit card company holds a claim for a certain period of time, the default is taken as a claim, for example, an entity in charge of not only a claim collection business but also a claim processing management business, etc. It is possible to sell to. Further, in the third embodiment, according to the first and second embodiments, it is not possible to collect even if the apartment management expenses newly generated every month are collected, or it is possible to collect the apartment management expenses to be generated in the future. Even in the past, collection of past claims by card payment, which is separate from the mechanism according to the first and second embodiments, for the past payment of past owners, including collection of past claims that have been delinquent. It is possible to establish a mechanism to do this, and according to this, it is possible to smoothly proceed with the final debt collection business in an entity in charge of credit processing management business.

It is a functional block diagram of the whole system concerning the present invention. It is a block diagram of the management system which concerns on this invention. It is a block diagram of the customer system which concerns on this invention. It is a customer management association data table concerning the present invention. It is a customer division owner data table concerning the present invention. It is a future claim processing trust maintenance timetable concerning the present invention. It is a flowchart regarding the information storage process to the customer management association data table which concerns on this invention. It is a flowchart regarding the information storage process to the customer management association data table which concerns on this invention. It is a data table for settlement according to division owner concerning the present invention. It is a payment means timetable which concerns on this invention. It is a payment progress data table concerning the present invention. It is an advice future claim processing trust maintenance timetable concerning the present invention. It is an advice settlement means timetable concerning the present invention. 3 is a card processing time table according to the present invention. It is a card | curd process 2 timetable which concerns on this invention. It is a card | curd process 3 timetable which concerns on this invention. It is a card | curd process 4 timetable which concerns on this invention. It is a bond sale timetable concerning the present invention. It is a past credit card processing timetable concerning the present invention. It is a past credit customer management data table data table concerning the present invention. It is a past credit classification owner data table concerning the present invention. It is a past credit payment progress data table concerning the present invention.

  FIG. 1 is a functional block diagram showing an outline of the configuration of a bond processing management system according to the present invention. The bond processing management system according to the present invention is configured by connecting a management system 20 and a customer system 30 via a network 10 by so-called cloud computing. In addition, it is assumed that the network is connected to a trust institution system 201, a beneficiary agent system 202, a financial institution system 203 including a card company, and the like as necessary.

  Next, details of the management system 20 will be described with reference to FIG. As shown in FIG. 1, the management system 20 includes a management device database (hereinafter referred to as “management device DB”) 21, a management device server 22, a management output device 23, a management input device 24, and a management device interface 26. It is configured. The management device server 22 processes data related to bond processing management, and the management device DB 21 stores business data such as payment proxy non-payment guarantees, a program for controlling the management device server 22, and the like. The management output device 23 includes a display, a printer, and the like, and outputs various types of information as necessary. The management input device 24 includes a keyboard, a barcode reader, a scanner, and the like, and inputs information as necessary, but includes all devices that can input information. Note that the management system 20 may be composed of a single system or a plurality of systems as long as the management system 20 can finally perform the business of the management system.

  Next, details of the customer system 30 will be described with reference to FIG. As shown in the figure, the customer system 30 includes a customer device memory (or database; the same applies hereinafter) 31, a customer device processor 32, a customer output device 33, a customer input device 34, and a customer device interface 36. Yes. The customer device processor 32 displays information on the customer output device 33 in accordance with information sent from the management system 20 or the like. The customer device memory 31 stores data such as information related to the apartment management association business, a program for controlling the customer device processor 32, and the like. The customer output device 33 includes a display, a printer, and the like, and outputs various types of information as necessary. The customer input device 34 includes a keyboard, a barcode reader, a scanner, and the like, and inputs information as necessary, but includes all devices that can input information. In the customer input device 34, input information from a keyboard or the like is displayed on the customer output device 33 as necessary, and the information displayed on the customer input device 34 is managed via the customer device interface 36 as necessary. 20 to send. In the management system 20, management processing such as payment arrears is performed according to the transmitted information, and if further information is required, the fact is displayed on the customer output device 33 of the customer system 30. The customer system 30 is constructed for each apartment management association, but a plurality of apartment management associations may construct the system jointly. In addition, each condominium management association system may be composed of a single system or a plurality of systems as long as it can finally perform the business as a condominium management association system.

  The outline and configuration of the present invention have been described above. Note that each system other than the management system 20 and the customer system 30 also has a processor, a memory, and the like (not shown), and performs various types of information processing as necessary, similar to the management system 20 and the customer system 30. And Next, details and operation of the first exemplary embodiment of the present invention will be described.

  First, the customer management association data table 40 will be described with reference to FIG. The customer management union data table 40 includes a customer management union data management column 400 for storing management information of the customer management union data table, a customer name column 4002, a customer address column 4003, and a customer representative column 4004 indicating information on the customer management union. , Contract processing column 4005, and so on. Further, the customer management union data management column 400 further includes, for example, a customer 1 column 401, a customer 2 column 402,. Note that the customer management association data table 40 is, for example, information calculated from related information by the management device server 22 in accordance with a program stored in the management device DB 21, or customer management association data setting displayed on the display of the management output device 23. In accordance with a screen (not shown), for example, information input by an operator from the keyboard of the management input device 24 of the management system 20 is transferred to the management device DB 21 by the management device server 22 according to a program stored in the management device DB 21. Shall be stored. The customer management association data setting screen (not shown) has the same format as the customer management association data table 40. Further, if necessary, a customer management association data table display screen (not shown) according to the contents of the customer management association data table 40 is displayed, for example, a management output device 23 of the management system 20 or a customer output device 33 of the customer system 30. Shall be displayed. The customer management association data table 40 may be input and stored in the memory on the customer system 30 side. The information input and stored on the management system 20 side may be transmitted to the customer system 30 side via the network 10, for example, and the information input and stored on the customer system 30 side may be transmitted to the management system 20 side. You can send it. In addition, when the display of a customer management association data table display screen (not shown) is requested, the display range may be limited according to the operator.

  Next, a procedure for storing information in each column of the customer 1 column 401 will be described with reference to FIGS. First, in the business entity in charge of receivables processing management business, it is determined whether or not the customer management association is a new customer registration (S701). In the case of a new customer registration, for example, information "ABC Mansion" is used as the customer name. Stored in the customer name field 4002 of the customer 1 field 401. Similarly, information such as “Minato-ku XXX in Tokyo” is stored in the customer address field 4003, and “◯ × unevenness” is stored in the customer representative field 4004, for example (S702). The new customer registration information may be stored together with image information such as a public certificate in addition to the input information from the keyboard or the like. Also, information created by another system or the like may be transmitted to the management system 20 via the network 10, for example.

  When storage of customer registration information is completed, information necessary for business development is stored. For example, in the condominium management association of the customer 1, when the resolution has already been established at the general meeting or the like regarding the delegation to the entity in charge of the receivables processing management business, the information “Approval” is displayed in the general meeting resolution column 4008. Store (also referred to as “approved” storage, the same applies hereinafter) (S705, S706). Next, for example, if the contract and / or contract related to delegation to the entity in charge of receivables management business is valid in accordance with the contents of the condominium management association management regulations or the resolution at the general meeting, the contract column “Valid” is stored in 4009 (S707, S708). Thereafter, similarly, the management agreement column 4010, the memorandum column 4011, the examination result column 4012, the trust organization contract column 4013, the lawyer contract column 4014, the past claims column 4015, the partner fund contract column 4016, the customer account information 4017, the settlement agent column 4018. The necessary information is stored in the non-payment guarantee column 4019 and the like. In the settlement agency column 4018, when the condominium management association originally consigns the business of collecting and paying the condominium management costs from the category owner to the entity in charge of the claim processing management business, Also, in the non-payment guarantee column 4019, when the condominium management association consigns the guarantee of the non-payment that occurred when the condominium management association originally collected and settled the condominium management costs from the division owner, , Information of entrustment shall be stored respectively.

  As described above, when the storage of various types of information including the general meeting resolution column 4008 necessary for delegating the credit processing management business has been completed, “completed” is stored in the contract processing column 4005. Further, for example, “123400” is stored as a customer code in the customer code column 4099, and the information storage in the customer management association data table 40 regarding the customer 1 column 401 is completed. The customer management association data table 40 may be input and / or changed by the customer system 30 in addition to the management system 20. In that case, it is possible to set an item that can be input on the customer system 30 side, perform input according to this, and provide an item that does not permit input. In addition, display prohibition items may be provided for display.

  When storing “completed” in the contract processing column 4005, the management rules for the condominium are associated with entrusting the receivables management business to a consignee (the business entity in charge is also referred to as a consignee). In addition to necessary items such as outsourcer, details of entrustment, date of commencement of work, etc., in addition to future receivables and past receivables processing, required items such as subcontracting of past receivables, receivable processing As a means of payment for management operations, it is clearly stated that, for example, the credit card payment prescribed by the trustee, the convenience store payment by the storage postcard specified by the trustee, and / or the payment by the account transfer specified by the trustee are accepted. For example, it is determined by a predetermined determiner and the result is reflected in the contract processing column 4005.

  A description will be given of a specific business development of the settlement proxy non-payment guarantee, which is the next stage when the contract processing column 4005 is “completed”. FIG. 5 shows a customer category owner data table 50. The customer category owner data table 50 includes a title column 501, a management item column 502, a category owner 1 information column 5001, a category owner 2 information column 5002, a category owner 3 information column 5003 indicating each category owner information, ... etc. Further, the management item column 502 includes a room number column 5021, a category owner code column 5022, a payment method column 5023, a change column 5024, a repair reserve column 5025, a management fee column 5026, a total management fee etc. column 2027, and a fee column 5028. ,..., A total column 5029 and the like. The customer category owner data table 50 is, for example, information calculated from related information by the management device server 22 according to a program stored in the management device DB 21 or the customer category owner displayed on the display of the management output device 23. In accordance with a data setting screen (not shown), for example, information input by an operator from the keyboard of the management input device 24 of the management system 20 is managed by the management device server 22 according to a program stored in the management device DB 21. Shall be stored above. The customer category owner data setting screen (not shown) has the same format as the customer category owner data table 50. Further, if necessary, a customer category owner data table display screen (not shown) according to the contents of the customer category owner data table 50 is displayed, for example, the management output device 23 of the management system 20 or the customer output of the customer system 30. It is displayed on the device 33. The customer category owner data table 50 may be input and stored in the memory on the customer system 30 side. The information input and stored on the management system 20 side may be transmitted to the customer system 30 side via the network 10, for example, and the information input and stored on the customer system 30 side may be transmitted to the management system 20 side. You can send it. In addition, when the display of a customer classification owner data table display screen (not shown) is requested | required, you may restrict | limit a display range according to an operator.

  Next, each column will be described. In the title column 501, for example, “123400” which is the customer code of the customer 1 in the customer code column 4099 of the customer management association data table 40 is stored, and the target year and month such as the management cost of the corresponding apartment is stored, for example, “Heisei June 25th "is displayed. The customer category owner data table 50 exists for the year and month to be managed. In the room number column 5021, the category owner 1 information column 5001 is “101”, the category owner 2 information column 5002 is “102”, the category owner 3 information column 5003 is “103”,. Stores a specific room number. Next, in the category owner code column 5022, the category owner 1 information column 5001 has “1234101001”, the category owner 2 information column 5002 has “1234102001”, the category owner 3 information column 5003 has “1234103001”, ..., etc. Stores the classification owner code. Hereinafter, information necessary for operations such as receivable processing is stored as necessary. The input of the information may be executed by the management system 20 or the customer system 30. Other details are based on the customer management association data table 40.

  Although the customer category owner data table 50 has been described above, the customer category owner data table 50 is displayed on the management output device 23 of the management system 20 to confirm its contents. At that time, it is possible to display all the information about the customer or display it for each customer.

  Next, display of the customer category owner data table 50 in the customer system 30 will be described. When the customer system 30 is requested to display the contents related to the customer category owner data table 50, the management system 20 uses the contents of the customer category owner data table 50 of the corresponding customer as the customer output device 33 of the customer system 30. (Not shown). Note that the customer month 30 may be specified by the customer system 30 and the contents of the customer category owner data table relating to the corresponding year may be displayed.

  In the customer system 30, the displayed contents of the customer category owner data table are input from the customer input device 34 when there is a correction. Further, regarding the correction contents, the management system 20 may manage whether correction is possible for each item.

  The customer category owner data table 50 has been described above. Hereinafter, the category owner-specific settlement data table 80 that stores information related to the settlement process for the claim processing management business will be described with reference to FIG. The segment owner settlement data table 80 includes a customer data column 801, a settlement management item column 802, a segment owner 1 settlement information column 8001, a segment owner 2 settlement information column 8002 indicating settlement information of each segment owner, The category owner 3 settlement information column 8003,... Further, the settlement management item field 802 includes a category owner code field 8021, an account transfer financial institution field 8022, an account number field 8023, a credit card number field 8024, a postcard for convenience store delivery field 80241, a house card number field 8025, A cardless column 8026, a management fee credit column 8027, a cancel slip issue column 8028, a point column 8029,. The section owner settlement data table 80 is, for example, a section owner displayed on the display of the management output apparatus 23 or information calculated from related information by the management apparatus server 22 according to a program stored in the management apparatus DB 21. In accordance with a settlement data setting screen (not shown), for example, information input by an operator from the keyboard of the management input device 24 of the management system 20 is managed by the management device server 22 according to a program stored in the management device DB 21. It is assumed that the data is stored on the device DB 21. Further, it is assumed that the section owner settlement data setting screen (not shown) has the same format as the section owner settlement data table 80. Further, if necessary, a section owner settlement data table display screen (not shown) according to the contents of the section owner settlement data table 80 is displayed on, for example, the management output device 23 of the management system 20 or the customer system 30. It is displayed on the customer output device 33. The category owner settlement data table 80 may be input and stored in the memory on the customer system 30 side. The information input and stored on the management system 20 side may be transmitted to the customer system 30 side via the network 10, for example, and the information input and stored on the customer system 30 side may be transmitted to the management system 20 side. You can send it. In addition, when the display of the data table display screen (not shown) for classification owner settlement is requested | required, you may restrict | limit a display range according to an operator. Further, for example, in the category owner code column 8021 of the category owner 1 settlement information column 8001, for example, information “123401001” is stored in the same manner as the customer category owner data table 50 shown in FIG. It should be noted that the information of the two data tables is processed as a unit because the category owner codes of the customer category owner data table 50 and the category owner settlement data table 80 are the same. The other details are based on the customer management association data table 40 and the customer category owner data table 50.

  Next, a specific processing method relating to entrustment of receivable processing management work will be described. In accordance with the settlement means specified in the management rules, etc., processing is performed as follows at the consignee.

First, a description will be given of a process related to account transfer by an entity in charge of receivables processing management based on the management rules. The business entity in charge of receivables processing management business, which is a consignee, sends necessary documents to each category owner, for example, via a condominium management association, and finally, for example, the condominium which is a consignee by customer account number column 4017 on top of creating documents for the transfer process the management expenses to the account by the management union was specified, to ask them to return. The consignee fills out the required items in the returned documents and, for example, when entrusting storage to a storage agency (not shown) that performs the storage work, sends the documents to the storage agency. , Wait for the end of the examination results of financial institutions. When this examination is completed, necessary information such as account transfer financial institution information and account number is stored in the account transfer financial institution column 8022 and account number column 8023 of the corresponding category owner code. For example, if the account transfer financial institution field 8022 of the category owner code “123401001” is “0987” and the account number is “5423XXX”, as shown in FIG. 8, the corresponding category owner settlement management is performed. In the item column 8001, information “0987” is stored in the account transfer financial institution column 8022 and information “5423XXX” is stored in the account number column 8023.

  Next, regarding payment by credit card including, for example, an international card, it is assumed that the division owner owns the credit card. The consignee requests the owner of each category via the management association to approve the non-payment reminder by credit payment and to contact the credit card number. When the credit card number to be used is returned after approving credit payment from each section owner, it is stored in the credit card number column 8024 of the corresponding section owner code. For example, if the credit card number of the category owner code “123401001” is “5880XXX”, for example, as shown in FIG. , Information “5880XXX” is stored.

  The collection process using a normal credit card has been described above. For example, even if the credit card is a so-called proper card by an international card company brand, a so-called partner card in which an international brand company and a general company have partnered. Even if it is a house card, the same collection process shall be performed. In addition, for example, in the case of a credit card that is limited to payment of, for example, administrative fees for the divisional ownership with the proper card or the affiliated card, for example, it has the same function as the house card, so the same collection as the house card Process. In this case, for example, the same card number information “5900XXX”, for example, in the credit card number column 8024 and the house card number column 8025 in the segment owner 2 settlement information column 8002 of the segment owner settlement data table 80. Is stored to indicate that the credit card is limited to payment of administrative expenses.

  Furthermore, even with a general credit card, for example, if the purpose of using the card is set to a credit frame specified for payment of administrative expenses, etc., as in the case of purchasing goods, borrowing cash, etc., the house For example, “− (hyphen)” is stored in the house card number field 8025 of the category owner 3 settlement information field 8003 as information indicating that the credit card is not a general card, and the credit for payment of administrative expenses is 500, In the case where 000 yen is given, for example, information “500,000 yen” is stored in the management expense credit column 8027. In the case of a general credit card that does not have a credit frame specified for payment of rental management expenses, for example, “-(hyphen)” is stored in the management expenses credit field 8027, and the rental management expenses etc. Indicates that the specified credit line does not exist. As described above, it is possible to recognize from the information in the house card number column 8025 and the credit for administrative expenses 8027 that the card is limited to the purpose of paying administrative expenses and the credit is set.

  Further, processing related to convenience store payment will be described based on the management rules and the like. The consignee requests, for example, via a condominium management association, to notify each category owner of a postal address or the like for sending a convenience store payment for non-payment reminder. The destinations returned from each category owner are stored in the convenience store postcard destination column 80241 of the corresponding category owner code. For example, if the convenience store postcard destination of the category owner code “123401001” is “Minato-ku XXX, Tokyo”, for example, as shown in FIG. The information “Tokyo Minato-ku XXX” is stored in the convenience store postcard delivery address field 80241.

In the above description, as the storage information of each column of the settlement data table 80 for each category owner, for example, a numeric character code is stored. Or information such as a code uniquely set by a consignee in a character code string such as an address display and a bank name may be added.

  The storage in each item column may be transmitted from the trust organization system 201 or the like via the management apparatus interface 26 via the network 10 and processed by the management apparatus server 22 based on this.

  Next, how to use the information in the customer category owner data table 50 to advance the claim processing management business will be described according to the future claim processing trust maintenance time table 60 shown in FIG. The management fee of each condominium is charged (6001) every month, and payment is made for this. For example, the condominium management association is responsible for the condominium management fee by the settlement agent column 4018, for example. In the case of payment agency stagnation guarantee that entrusts the business of collecting and making payments and the non-payment guarantee column 4019, for example, on the fifth day of every month, from the management system 20 via the network 10, from the account of each section owner When a request is made to each financial institution to transfer the account, subsequent deposits will be processed as deposits for administrative expenses, etc. for that month. However, the deposit is transferred from each category owner (6002) to a trust account of a financial institution (6003) that performs trust business, such as a trust bank, shown in the trust organization contract column 4013 of the customer management association data table 40 Each financial institution transmits this payment information to, for example, the management system 20 via the network 10, for example, and the management system 20 confirms payment based on this information. For example, when there is a deposit such as an administrative fee from the section owner of the room number 101 of the customer code 123400, for example, the deposit information is transmitted from the trust organization system 201 to the management system 20 via the network 10, and based on this information. In the management system 20, the category owner 1 information column 5001 corresponding to the room number 101 of the customer category owner data table 50 for the corresponding month is assumed to have been paid, for example, the display is black shaded, and the non-paid category ownership (Not shown). When deposit information is transmitted from each financial institution or the like to the management system 20, for example, segment owner codes (5022, 8021) may be used as information for determining each segment owner. Further, for example, for a certain year and month, the sum of the amounts stored in the total column 5029 of the customer category owner data table 50 is the total amount received, and the total amount not stored is the total amount not yet received. May be stored separately in a data table (not shown). Further, for example, a predetermined amount may be calculated as a business fee for the management of the apartment management association for a certain year and stored separately in a data table (not shown). Furthermore, the fee required for collection of administrative expenses etc. by the business entity may be included in the fee. Further, the sum of the non-payment of the same category owner stored in the customer category owner data table 50 for all years becomes the total of the non-payment of the category owner, which is added to a separate data table (not shown). ) May be stored.

  Further, when the payment is confirmed, the management system 20 sends the payment date from the beneficiary agent (6004) shown in the lawyer contract column 4014 of the customer management union data table 40 to the financial institution in charge of the trust business regarding the corresponding payment. It is instructed to maintain the trust every time (6005).

  Each category owner deposits money into each financial institution, etc., and each time the beneficiary agent gives an instruction to conserve the trust, but at the end of the month, all the trusts instructed by the beneficiary agent are canceled. (60051) and, for example, in the management system 20, after calculating the amount obtained by subtracting the fee from the total amount of management expenses, etc. related to the apartment, the management system 20 is contacted via the network 10 to the trust organization system 201, Reimbursement payment is made to (6006) (6007). In order to enable such advance payments, the entity (trustee) (6010) in charge of receivables processing management deposits deposits with financial institutions that perform trust operations (6011) and surplus If money is generated, it shall be returned (6012). In the above, the case of guaranteeing settlement agent stagnation has been explained. However, if the condominium management association entrusts, for example, the settlement agency business only to the entity in charge of receivables processing management business, only the settlement agency is performed, and the non-payment guarantee is Shall not be performed.

As described above, the beneficiary agent gives instructions for trust maintenance and trust cancellation. For example, the management system 20 transmits information on trust maintenance and trust cancellation to the beneficiary agent system 202 via the network 10. Based on this information, even if approval information is transmitted from the beneficiary agent system 202 to the trust institution system 201, or approval information from the beneficiary agent system 202 is sent to the management system 20 via the network 10. It may be transmitted and transmitted from the management system 20 to the trust organization system 201. Furthermore, as long as the information is finally transmitted, any route may be used technically. Further, information on cancellation of the trust may be transmitted to the management system 20 from the financial institution or the like that performs the trust business via the network 10, for example, and this information may be stored in a data table (not shown) or the like. It doesn't matter. As described above, account transfer has been described as an example of trust maintenance, but trust maintenance may be used for trust maintenance in credit card payment, convenience store payment, etc., which will be described later.

  As described above, the management fee of the corresponding apartment is usually paid from each division owner to a financial institution, etc., but if there is no payment even the next month, the management system 20 It is determined that the arrears have been made, the arrears are confirmed (6008), and this information is stored in a database (not shown) in the management system 20, for example. When non-payment is confirmed, the management system 20 determines non-payment settlement according to the above information (6009), prompts non-payment to the category owner, and continuously performs non-payment settlement processing (6013).

  As described above, the processing in the management system 20 and the customer system 30 has been described for normal account transfer, but an example of processing in the payment proxy non-payment guarantee using each payment method including account transfer is shown in FIG. A description will be given according to the table 90.

  The settlement means time table 90 includes, for example, three months of a previous month column 901, a current month column 902, and a next month column 903. Furthermore, it comprises an account transfer column 911, a credit card payment column 912, a convenience store payment column 913, and a lawyer etc. column 91. In the account transfer (911), as described above, according to the information shown in the account transfer financial institution column 8022 and the account number column 8023 of the divided owner settlement data table 80, the management system 20 sends the account to the financial institution. A transfer request shall be made. First, at the beginning of the previous month, a request is made to transfer the bill amount to the financial institution designated by each section owner via the storage agency company (9001). Each financial institution transfers a predetermined amount from the account of the divided owner to the trust account of the financial institution according to this information. When a normal transfer process is performed from the account of the category owner (9002), the financial institution is contacted with the consignee via, for example, a storage agency, and this information is stored in the customer category owner data table 50. To reflect. Thereafter, this account transfer is repeated every month. If the account transfer cannot be performed due to a shortage of the balance of the divisional owner account (9003), the management system 20 which is a consignee is notified via the storage agency, for example, via the network 10, for example. The management system 20 of the consignee determines that it is impossible to continue the account transfer, and the management fee is collected by, for example, credit card payment (912) according to the management regulations. First, in the management system 20 which is a consignee, a corresponding settlement request is sent to the corresponding section owner in accordance with the information in the credit card number column 8024 of the section owner settlement data table 80 or a real-time settlement request form by mail or the Internet. It is assumed that a billing process for the unaccounted amount is performed by settlement or the like (9004). When the credit card can be debited (9006), the credit card processing is repeated every month.

  Moreover, when performing a payment process by such a credit card payment, points, such as a privilege which provides a service, may be provided according to the amount of payment. Further, the number of pon-ins and the like are stored in the point column 8029, for example. Further, the management, operation, use, etc. of these points are processed by the management system 20, the financial institution system 203, the customer system 30, etc., for example.

  Next, with regard to detailed processing related to payment by credit card, an example in which an entity in charge of receivables processing management business is a general member store and an apartment management association is a store child member store is shown as an example in FIG. Detailed explanation will be given according to The card processing time table 130 includes a division owner (card owner) column 13011, a card company column 13012, an entity (general member store) column 13013 in charge of bond processing management business, and an apartment management association (store child member store) column. 13014. Each of the above-mentioned columns 13011 to 13014 is further provided with a card company normal processing column 1312, a card company non-accrual processing column 1313, and a claim processing management business entity processing column 1314. From the credit card company, the entity in charge of receivables processing management is regarded as a general member store, and the condominium management association is regarded as a store child member store. Is displayed in parentheses. The comprehensive member store is a member store that collects a plurality of store child member stores as described above, and serves as a contact point with the card company on behalf of the store child member stores. In addition, contracts for inclusion / store child are usually entered into between general member stores and store child member stores, but contracts exist if they function substantially in the same manner as the general / store child relationship. It doesn't have to be.

  Now, when the category owner pays the card, the financial institution or the like transfers, for example, the administrative expenses or the like from the account of the financial institution or the like designated by the category owner to the card company on a predetermined date, for example (13121). The card company normally pays the total amount corresponding to the corresponding administrative expenses, etc., to the business unit (general member store) in charge of receivables processing management before transferring from the account of the section owner (13122). . In this way, with regard to payment of administrative expenses etc. by card, even if there is a shortage of balance etc. due to account transfer of a financial institution designated by the divisional owner, payment of administrative expenses etc. is delayed and unpaid (13131) As a comprehensive member store, lump-sum payments are made to the entity that guarantees the company and is in charge of receivables processing management. On the other hand, the business entity in charge of receivables processing management business, which is a comprehensive member store, sorts the received management expenses and the like corresponding to the condominium management association and pays it to the condominium management association, which is a store member store (13123). ). In the unlikely event that payment by the card of the divisional owner is delayed (13131), for example, according to the agreement between the card company and the entity in charge of receivables management, Guaranteed (13132).

  Thereafter, as a card company, for example, non-payment prompting is performed for non-payment occurrence (13133), but it tries to collect, but if it cannot be collected, it will be a debt in the past, and in the worst case it will carry out a credit loss process . In addition, with respect to the category owner, in the past, withdrawal processing from the card member is performed (13135), and subsequent countermeasures such as refusal of subsequent card member subscription are performed without guaranteeing non-payment thereafter. Become.

  In order to prevent such debt processing and card member withdrawal, the credit card company has determined that the unaccounted by the divisional owner has been confirmed (13134). Then, a request is made to issue a so-called cancellation slip regarding the sales to the section owner regarding the corresponding management expenses (13136). In response to this, in the business entity in charge of the receivables processing management business, for example, the management fee etc. of 150,000 yen for the division owner 123401001 is canceled by cancel slip processing, and the business in charge of the receivables processing management business. However, since the advance payment of the management fee has already been received, 150,000 yen is refunded to the card company (13141). Further, the cost for the cancellation slip processing may be charged from the card company to the business entity in charge of the credit processing management business. As a result, the credit card company will eliminate the non-payment liability. On the other hand, the business entity in charge of receivables processing management pays 150,000 yen refunded to the credit card company (13144), and collects management fees, etc. and expenses related to cancellation slip processing to the category owner. Non-payment reminder from the entity in charge of receivables processing management (13142), and if it does not respond to the reminder, it is collected directly (13143). Receivables are collected through procedures. In addition, when a privilege such as points is given for card payment, the unaccrued portion of management costs and the management costs generated in the future may be offset by filling the points. Further, the point result after canceling is stored in the point column 8029, for example.

  As described above, the case where the entity in charge of receivables processing management business is a comprehensive member store and the condominium management association is a store child member store, or the case where it has the same function as the comprehensive / store child relationship has been described. Regarding explanation, the number of store child member stores may be plural or single. In addition, a store child member store may be a store child member store of a plurality of comprehensive member stores. Alternatively, for example, an entity in charge of receivables processing management and an apartment management association may function as an integrated entity through a business alliance. This is shown in the card processing 2 time table 140 of FIG. The details of FIG. 14 are the same as those of FIG. Furthermore, as a result, if it functions in the same way as the present application, not only the entity in charge of receivables processing management business, condominium management association, but also the card company, the whole or any two business units are integrated, For example, in each department, the card processing time table 130 and the card processing 2 time table 140 may be in charge of a card company, an entity in charge of bond processing management, and an apartment management association. In addition, as an entity in charge of receivables processing management business, for example, an entity that performs management operations for condominiums owned by individuals, individuals, entities that are entrusted with management operations, etc. It shall correspond to. Contrary to the above, even if there are many business entities under the store child member stores, such as several condominium management associations, or each business entity outsourcing the business, it does not matter. Absent.

  As described above, the case where a cancellation slip is issued in the credit card payment and the detailed processing by the comprehensive member store and the store child member store have been described. Furthermore, in the settlement means time table 90 of FIG. If it is determined (9005), the convenience store payment (913) shall be performed. First, it is assumed that the management system 20 performs a billing process such as a management fee and a dunning fee according to the information in the convenience store postcard destination field 80241 of the category owner settlement data table 80 (9008). In addition, even when the credit card payment request (9004) is made but the account is not yet received (9007), the management system 20 performs a billing process by, for example, convenience store payment in the next month (903) ( 9010). In the case where the bill is processed by the convenience store payment (9008, 9010) but the balance is not yet paid, the management system 20 waits for the determination of the unpaid decision (9012) by the lawyer or the like (914). Based on the results, the contractor's lawyer, etc., will then process so that the settlement of non-payment, such as the next purchase, can proceed. Note that this information may be stored in a separate beta table when it has not yet been settled. Further, based on the above information, for example, this information may be sent from the management system 20 to a lawyer or the like via the network 10.

  In this way, when the management fee is charged and the payment is made normally, the above processing is repeated every month, for example, so that the management fee can be collected without delay, but there was a delinquency In such cases, a lawyer or the like will perform a non-payment clearing process. In addition, in the case of long-term delinquencies, or before the entity in charge of receivables processing management outsources non-payment guarantee work, the past receivables processing due to non-payment that has already occurred is stored in the past receivable column 4015, for example. If the total amount of delinquency including past claims is high and there is a risk of exceeding the property evaluation amount, for example, a contract is made by the lawyer contract column 4014 of the customer management union data table 40. For example, after consulting with an attorney, etc., for example, a financial institution that has signed a contract in the partner fund contract column 4016, conducts business related to the purchase of the property, information on the purchase purchase and information on the brokerage agreement Shall be stored. In the case where a privilege such as points is given for card payment, the unaccrued portion of administrative expenses and the administrative expenses that will be generated in the future may be offset by points. The lawyer contract field 4014 may store information related to contracts with a plurality of lawyers.

  In addition, a series of states from the billing (6001) to the non-payment clearing (6013) and the settlement means timetable 90 from the billing (9001) to the unpaid finalization (9012) of the future claim processing trust maintenance timetable 60 shown above. As for the collection by the lawyer and the brokerage by the partner fund company, for example, information processing is performed in the management system 20, and the payment progress data table 100 for storing information on the progress of payment will be described below with reference to FIG. explain.

  The payment progress data table 100 includes a progress title column 1001, a progress management item column 1002, a category owner 1 progress information column 10001, and a category owner 2 progress information column 10002 indicating information for settlement progress management of each category owner. , Etc., and a division owner 3 progress information column 10003... In the progress title column 1001, for example, information “January 2013” is stored regarding the year and month for which progress management is performed, and the year and month of the payment progress data table are clearly indicated. Furthermore, the progress management item column 1002 includes a category owner code column 10021, an account transfer request date column 10022, an account transfer deposit date column 10023, a credit card payment request date column 10240, an accrued date of occurrence. Column 10241, unpaid final date column 10242, cancellation slip issue date column 10243, advance payment return date column 10244, repayment date column 10245, bond sale date column 10246, convenience store payment date Column 10025, Convenience store payment date column 10026, Trust maintenance date column 1000028, Accrued settlement column 1000029, Purchase purchase column 10291, Brokerage agreement column 10292, and so on. The payment progress data table 100 is, for example, information calculated from related information by the management device server 22 in accordance with a program stored in the management device DB 21 or a payment progress data setting screen (displayed on the display of the management output device 23). In accordance with a program stored in the management device DB 21, for example, information input by the operator from the keyboard of the management input device 24 of the management system 20 is stored on the management device DB 21 by the management device server 22 according to a program stored in the management device DB 21. Shall. Also, the payment progress data setting screen (not shown) has the same format as the payment progress data table 100. Furthermore, if necessary, a payment progress data table display screen (not shown) according to the contents of the payment progress data table 100 is displayed on, for example, the management output device 23 of the management system 20 and the customer output device 33 of the customer system 30. It shall be. The payment progress data table 100 may be input and stored in the memory on the customer system 30 side. The information input and stored on the management system 20 side may be transmitted to the customer system 30 side via the network 10, for example, and the information input and stored on the customer system 30 side may be transmitted to the management system 20 side. You can send it. In addition, when the display of a payment progress data table display screen (not shown) is requested | required, you may restrict | limit a display range according to an operator. Further, for example, in the category owner code column 10021 of the category owner 1 progress information column 10001, the customer category owner data table 50 shown in FIG. 5 and the category owner settlement data table 80 shown in FIG. For example, information “123401001” is stored. In addition, since the segment owner codes of the customer segment owner data table 50, the segment owner settlement data table 80, and the segment owner settlement data table 80 are the same, the information in the three data tables is the same segment owner. It shall be processed as information. The other details are based on the customer category owner data table 50 and the category owner settlement data table 80.

  Next, processing for managing the progress of settlement in each settlement means will be described. For example, the division owner “1233401001” in the division owner 1 progress information column 10001 is paying administrative expenses etc. by account transfer, and the withdrawal date by the financial institution of this month was January 5, 2013 In this case, for example, in the management system 20, information “250105” is stored in the account transfer request date column 10022. For example, the information is sent from the management system 20 via the network 10 to, for example, the financial institution for account transfer 8022 of the corresponding category owner “1233401001” in the category owner settlement management item column 8001. It is transmitted to the institution system 203, and the financial institution 203 performs the account transfer process from the account number stored in the account number column 8023 of the corresponding category owner settlement management item column 8001. When the debiting by the account transfer is completed, the management expenses and the like are transferred to the account of the trust organization entrusted shown in the trust organization contract column 4013 shown in FIG. When the date sent to the management system 20 via the network 10 and withdrawn is, for example, January 5, 2013, the date of the account transfer payment of the corresponding category owner “123401001” For example, information “250105” is stored in the column 10027 by the management system 20. Note that the information “250105” is information indicating the date, but if this field is blank, it may be determined that there was no payment by direct debit. Thus, when there is a deposit by account transfer, for example, the management system 20 transmits a trust maintenance request to the beneficiary agent system 202 via the network 10, for example, and the trust maintenance request is sent to the request. When the information indicating that the request has been completed is returned to the management system 20, for example, the management system 20 puts, for example, “250105” in the trust maintenance date column 10022 of the relevant category owner “1233401001”. Store information. As for the information on the date, as in the case of the account transfer deposit date column 10023, if this column is blank, it may be determined that there was no deposit by account transfer.

The information processing of the payment progress data table 100 in the account transfer has been described above. Regarding credit card payment and convenience store payment, the credit card payment request date column 100240, the convenience store payment request date column 10025, and the convenience store payment Each column such as the year / month / day column 10026 is processed in the same manner as the account transfer. Incidentally, there is no payment for any claims, when the accrued is confirmed, for example depending on the management system 20 is intended to store the information of "probability" the receivable confirm field 10029. Furthermore, with regard to the result of non-payment settlement processing, for example, when the brokerage agency has been engaged in the purchase business, the information “purchase” is displayed in the purchase order column 10291. Information “contract” is stored in 10292.

  The specific detailed processing method of the first embodiment of the present application has been described above, but in the description of the settlement means time table 90, the order of account transfer (911), credit card payment (912), and convenience store payment (913). However, in accordance with the contents of the apartment management regulations, for example, the credit card payment may be made from the beginning, or the convenience store payment may be made. Further, the order of transfer to account transfer (911), credit card payment (912), and convenience store payment (913) may be any order. Moreover, even if processing of unsettled confirmation (9012) by a lawyer or the like 914 without going through all of these account transfer 911, credit card payment 912, and convenience store payment 913, account transfer 911, credit card payment 912, Even when payment is not made at any of the convenience store payments 913, the unaccrued confirmation (9012) process may not be performed depending on the situation.

  Next, another second embodiment different from the first embodiment will be described. In the credit card payment according to the first embodiment, when a non-accrual occurs, a cancellation slip is issued. However, in the second embodiment, the cancellation slip is not issued, and the card company does not collect the management fee and the like. Processes credit card credits. Of the payment process using a credit card, the normal process is the same as in the first embodiment.

  Hereinafter, specific business development of the second embodiment will be described according to the bond sales time table 170 shown in FIG. The receivable sales time table 170 includes a division owner (card owner) column 17011, a card company column 17012, a settlement agent non-payment guarantee business entity (inclusive member store) column 17013 in charge of the receivable processing management business, an apartment management association (store child) Member field 17014, and each of the fields 17011 to 17014 further includes a card company normal processing field 1712, a card company non-accrual processing field 1713, and a bond processing field 1714. With regard to card processing, for example, if the payment agency non-payment guarantee business entity in charge of receivables processing management business is a comprehensive member store and multiple or single condominium management associations are store child member stores, the payment agent non-payment guarantee business entity manages the apartment Each business related to cards shall be performed for the association. These details are based on the card processing time table 130 in the first embodiment.

  Now, when the divisional owner pays the card, the financial institution or the like transfers the cost equivalent including the management fee from the account of the financial institution or the like designated by the divisional owner to the card company on a predetermined date, for example (17121). . The credit card company usually pays the total amount equivalent to the expenses including the corresponding administrative expenses to the settlement agency guarantee guarantee business entity (general member store) in charge of receivables processing management before it is transferred from the account of the section owner. Pay in advance (17122). In this way, with regard to the payment of expenses including administrative expenses with cards, there was a shortage of balance in account transfers of financial institutions designated by the divisional owner, etc., and the payment of expenses including administrative expenses was delayed and unpaid (17131) Even in such a case, the credit card company guarantees and the payment agency delinquency guarantee business entity in charge of the debt processing management business makes a lump sum payment as a comprehensive member store. On the other hand, a settlement agency non-payment guarantee business entity that is responsible for managing claims processing, which is a comprehensive member store, sorts the total amount of expenses including the received management fee into condominium management associations and collects condominiums that are store child member stores. Pay to the management union (17123). In the unlikely event that payment by the card of the divisional owner is delayed (17131), the card company, for example, for one month according to the agreement between the card company and the payment agency non-payment guarantee business entity in charge of the debt processing management business, for example The non-payment amount is guaranteed (17132).

  Thereafter, for example, the card company makes an effort to collect the non-payment by urging the non-accrual (17133). Further, for the category owner, a withdrawal process from the card member is finally performed (17135), and corresponding measures such as refusing the subsequent card member subscription are performed.

  With regard to such debt processing, in the second embodiment, even if the credit card company side determines that the receivables by the segment owner have been confirmed (17134), the credit card company will continue to hold the claim and An unaccrual confirmation (17137) is made to an entity in charge of a certain claim processing management business. Furthermore, the non-payment reminder is sent from the credit card company regarding the collection of administrative expenses, etc. and costs related to uncollected processing (17142), and if it does not respond to the reminder, it is collected directly (17143). Will collect debts through legal procedures, even in response to some reminders. Note that, as described in the first embodiment, when a privilege such as points is given for card payment, unpaid expenses including management costs and management costs that will be generated in the future may be offset by points. In addition, when the holding period of a certain period of time has passed, the loan is sold to a debt collector, etc. (17138), the claim is dealt with, and information relating to the sale of the claim is provided to the entity in charge of the claim processing management business. For example, in the case of a settlement agency non-payment guarantee business entity, for example, when the date of sale of the receivable is September 27, 2013, in the receivable sale date column 10246 of the payment progress data table 100, Information “250927” is stored. Even if non-payment of administrative expenses, etc. occurs, if you continue to be charged by card, and further non-payment occurs, these liabilities are added together and managed by category owner. It may be stored in (not shown). Furthermore, the credits sold from the card company may be purchased by, for example, an entity in charge of credit processing management business. In addition, information such as the above-mentioned accrual confirmation, accrual confirmation, receivable collection, point offsetting, receivable sales, expenses required for sales of receivables, damages, etc. are stored in a separate database (not shown) in a card company system, for example, For example, it may be charged to an entity in charge of receivables processing management. In addition, the information related to the cost of selling the receivable may be separately managed in the management system 20 and the customer system 30, for example, and stored in a data table (not shown), for example.

  The relationship between the comprehensive member store and the store child member store is the same as that in the first embodiment. Furthermore, for example, when an entity in charge of receivables processing management business and a condominium management association function as an integrated business entity, not only the entity in charge of receivables processing management business, condominium management association, but also a card company Management as a condominium management association, for example, an entity that manages a condominium owned condominium, an individual that manages a condominium, a business that is entrusted with a consignment management, etc. In the case of collecting expenses, etc., not only the entity in charge of receivables processing management business, condominium management association, but also the case where the whole or any two entities are integrated as an entity, including card companies In addition, as an entity in charge of receivables processing management business, for example, an entity that performs management business of segmented condominiums, Contrary to the above, there are several layers of condominium management associations, etc. under store affiliated stores, in the case of collecting administrative expenses, etc. under separate ownership, such as people, business entities entrusted with management duties, etc. Even in the case where there are a large number of business entities, for example, due to continuous or each business entity entrusting business, it shall be the same as in the first embodiment.

  In the first and second different embodiments, with respect to the work performed by the entity in charge of receivables processing management, the entity in charge of receivables processing management works with the condominium management association in cooperation with attorneys etc. The final management decision is made by the condominium management association itself. However, with regard to business processing and other business operations, for example, a business entity in charge of receivables processing management business may act on behalf. The details of the processing are the same as those in the first and second embodiments, and the processing outline is shown in FIGS. 11, 12, 15, 16, and 17.

  Next, a third embodiment will be described. In the first and second embodiments described above, with regard to condominium management costs, etc., the focus is on the smooth processing of future claims that will be generated in the future. If it goes smoothly, the reason for not paying past receivables in the category owner should also be eliminated, and it is highly possible that past receivables will be eliminated. In the unlikely event that payment for past claims is not made due to the circumstances of the owner of the category, final processing is performed by a lawyer or the like. In contrast, in the third embodiment, past claims are processed. Specializing in card payments, paying attention to the ease of approval regarding the use of cards in house cards and the signing of contracts between general merchants and store child merchants, in particular responsible for condominium management associations and loan processing management It is possible to shorten the time spent for the conclusion of a contract with a business entity.

Hereinafter, the third embodiment, therefore description on past loan card processing time table 180 shown in FIG. 18. The past credit card processing time table 180 includes a past credit card processing management column 1801, a category owner column 18011, an apartment management association column 18012, an agency business column 18013, a card company column 18014, and the like. Each column further includes a future bond processing (normal) column 1821, a past bond processing (normal) column 1822, and a past bond processing (non-performance) column 1823. In addition, the future receivables processing (normal) column 1821 shows normal processing related to condominium management costs, etc. to be generated in the future, and the past receivables processing (normal) column 1822 shows card payments such as condominium management costs that have already been delinquent. In addition, the past claim processing (default) column 1823 shows the past claim processing that also failed by the processing of the past claim processing (normal) column 1822. The details regarding the drawing display of the past bond card processing time table 180 are based on the card processing time table 130 and the like in the first embodiment.

  Next, the future bond processing (normal) column 1821 will be described. Assume that the condominium management association (18012) and the agency (18013) enter into a contract (182101) for settlement of future claims and guarantee of non-payment. When the agency (18013) acts as a payment agent, the agency (18013) acts as a payment related to storage, and the agency (18013) collects payments for condominium management expenses from each category owner. Then, the condominium management association (18012) is paid in a lump (182103). Further, in the case of performing non-payment guarantee, non-payment is guaranteed based on the contract (182101) and paid in a lump to the condominium management association (18012) in the same manner as the settlement agent (182103). When non-payment occurs, the agency (18013) prompts the division owner (18011) to repay, and compensates for non-payment (182104).

  Next, normal processing of past claims will be described according to the past claim processing (normal) column 1822. When consigning past claims processing in the agency (18013), the condominium management association (18012) and the agency (18013) provide a settlement agency for past claims and guarantee of non-payment, for example. A contract is made in association with a new contract (182201). When the contract is concluded (18220), the agency (18013) concludes a general merchant store contract with the card company (18014) regarding the card payment (182203) and the corresponding apartment management association (18012). The store child member store contract is concluded (182204). When the comprehensive member store contract and the store child member store contract are concluded (182205), the agent entity (18013) performs settlement of past claims by the card to the divided owner (18011) with past claims. For example, a cardless house card enrollment application is promoted (182206), and a contract with the card company is concluded, for example, regarding processing in the case of default (182207). When the contract or the like is concluded (182208), the card company gives a usage limit amount necessary for collecting the arrears amount to the corresponding category owner (18011) (182209). Upon completion of the card usage limit grant (18210), the proxy entity (18013) pays the relevant divisional owner (18011) the principal, the arrearage fee and the fee for the card usage. A request is made (182211), and this information is sent to the card company (18014) (182212). In accordance with the sending of the information (182212), the card company (18014) sends the merchant fee to the agency entity (18013), for example, from the sum of the delinquency principal, arrears and the agency entity fee (18013). The deducted amount is paid in advance (182213). In accordance with the advance payment (182213), the agency (18013) makes an advance payment to the apartment management association (18012) via, for example, a financial institution for the amount obtained by subtracting the fee (182214). The division owner (18011) who has received the charge for non-payment pays by the card (182216) according to the request (182215). At this time, points may be given by using a card. In addition, regarding credit cards, for example, the agency (18013), which is a comprehensive agency, can give approval regarding the use of the card itself, so that the divided owner (18011) having a past claim that is not normally approved for card use. Even give approval. For this reason, a house card is suitable in the third embodiment, but other cards may be used as long as the house card can play the same role as the house card. Further, with respect to payment from the card company, for example, the trust may be transferred to a trust account according to the first embodiment.

  The normal past bond processing has been described above. However, the case where payment from the category owner (18011) defaults will be described according to the past bond processing (default) column 1823. In the past claim processing 1823, it is assumed that a contract or the like has already been concluded between the condominium management association and the entity in charge of the credit processing management business to perform settlement agency and non-payment guarantee. In case of default (182030) in the past claim processing (ordinary) column 1822, the substitute entity (18013) issues a cancellation slip regarding the card payment to the card company (18014) (182302). ), The card company (18014) performs a canceling process (182303), and as a result, the corresponding credit is transferred from the card company (18014) to the agency (18013) (182304). The agent (18013) that has received the transfer of the receivable performs a procedure for selling the receivable as, for example, a property as collateral of the applicable divided owner (18011) (182305), and collects the receivable. Assumed to be performed. On the other hand, the credit card company (18014) may be subject to default by the corresponding division owner (18011), and the corresponding claim may be collected as an unsecured monetary claim, for example, by selling it to a servicer. In this case, for example, the management system 20 receives information on the sale of the relevant bond from the card company, and stores the sale date, for example.

  Next, in the third embodiment, a past credit customer management data table 190 for managing an apartment management association will be described with reference to FIG. The past claim customer management data table 190 includes a past claim customer management data management column 191 for storing management information of the customer management association data table, a customer name column 19201, a customer address column 19202, and a customer representative indicating customer management association information. A column 19203, a contract establishment column 19204, and so on are provided. The past credit customer management data management column 191 further includes, for example, a customer 1 column 1901, a customer 2 column 1902,. The past credit customer management data table 190 is, for example, information calculated from related information by the management device server 22 in accordance with a program stored in the management device DB 21 or customer management association data displayed on the display of the management output device 23. In accordance with a setting screen (not shown), for example, information input by an operator from the keyboard of the management input device 24 of the management system 20 is stored on the management device DB 21 by the management device server 22 according to a program stored in the management device DB 21. Shall be stored in The customer management association data setting screen (not shown) has the same format as the past credit customer management data table 190. Further, if necessary, a customer management association data table display screen (not shown) according to the contents of the past claim customer management data table 190 is displayed, for example, the management output device 23 of the management system 20, the customer output device of the customer system 30. 33 is displayed. The past credit customer management data table 190 may be input on the customer system 30 side and stored in memory. The information input and stored on the management system 20 side may be transmitted to the customer system 30 side via the network 10, for example, and the information input and stored on the customer system 30 side may be transmitted to the management system 20 side. You can send it. In addition, when the display of the past credit customer management data table display screen (not shown) is requested, the display range may be limited according to the operator.

  Next, for example, a procedure for storing information in each column of the customer 1 column 1901 will be described. First, the business entity in charge of the agency business determines whether or not the customer management association is a new customer registration, and in the case of a new customer registration, for example, information “ABC Mansion” is used as the customer name in the customer 1 column 1901. Stored in the customer name column 19201. Similarly, in the customer address field 19202, for example, information “Minato-ku Tokyo XXX”, in the customer representative field 19203, for example, information “○ × unevenness”, and in the contract establishment field 19204, the customer For the contract processing, for example, information “Complete” is entered in the contract start date column 19205, for example, “2013.01.01” is entered for the contract start date with the customer, and the contract end date 19206 is entered. For example, information “2017.12.21” is stored for the contract end date with the customer. In particular, in the past receivable column 19214, for example, “contract” information on past receivable contracts with customers, and in the partner fund contract column 19215, for example, information “completed” on partner fund contracts, In the information column 19216, for example, “099-123-12345678” for the customer account information, and in the store child member store contract column 19217, for information related to the store child member store contract with the customer, for example, “complete”. In the comprehensive member store contract column 19218, for example, information “complete” is stored as information on the comprehensive member store contract between the card company and the agency. By storing “completed” in the store member store contract column 19217 and the comprehensive member store contract column 19218, the agency is a comprehensive agent and the condominium management association is a store child agent. Becomes clear. The new customer registration information may be stored together with image information such as a public certificate in addition to the input information from the keyboard or the like. Also, information created by another system or the like may be transmitted to the management system 20 via the network 10, for example.

  When storage of customer registration information is completed, it is necessary to confirm whether necessary information is stored for the start of past bond agency, and to delegate past bond processing management work. In particular, when the information “completed” is stored in the contract processing column 19204, the storage of various types of information is completed. The customer management association data table 40 may be input and / or changed by the customer system 30 in addition to the management system 20. In that case, it is possible to set an item that can be input on the customer system 30 side, perform input according to this, and provide an item that does not permit input. In addition, display prohibition items may be provided for display.

  It should be noted that when storing “completed” in the contract processing column 19204, the past claim processing management is entrusted to the outsourcing party (the business entity in charge is also referred to as the outsourcing party). It is assumed that, for example, a predetermined judge determines that the credit card payment as a settlement means for business is agreed with the condominium management association, and the result is reflected in the contract processing column 19204. The details of the past credit customer management data table 190 are in accordance with, for example, the customer management association data table 40.

  In response to the fact that the contract processing column 19204 is “completed”, the management method of the past owner of the past claim category shown in FIG. A description will be given according to the data table 200. The past claim category owner data table 200 includes a past claim customer data column 2001, a settlement management item column 2002, a category owner 1 settlement information column 20201, and a category owner 2 settlement information column indicating settlement information for each category owner. 20202, the division owner 3 settlement information column 20203, and so on. Further, the settlement management item column 2002 includes a section owner code column 20101, an account transfer financial institution column 20102, an account number column 20103, a credit card number column 20104,..., A house card number column 20105, a cardless column 20106. , A limit amount column 20107, a point column 20109, and so on. The past credit category owner data table 200 is, for example, a category owner displayed on the display of the management output device 23 or information calculated from related information by the management device server 22 in accordance with a program stored in the management device DB 21. In accordance with a settlement data setting screen (not shown), for example, information input by an operator from the keyboard of the management input device 24 of the management system 20 is managed by the management device server 22 according to a program stored in the management device DB 21. It is assumed that the data is stored on the device DB 21. Further, it is assumed that the classification owner settlement data setting screen (not shown) has the same format as the past bond classification owner data table 200. Further, if necessary, a classification owner settlement data table display screen (not shown) according to the contents of the past bond classification owner data table 200 is displayed on, for example, the management output device 23 of the management system 20 or the customer system 30. It is displayed on the customer output device 33. The past bond category owner data table 200 may be input and stored in the memory on the customer system 30 side. The information input and stored on the management system 20 side may be transmitted to the customer system 30 side via the network 10, for example, and the information input and stored on the customer system 30 side may be transmitted to the management system 20 side. You can send it. In addition, when the display of the data table display screen for category owner settlement (not shown) is requested, the display range may be limited according to the operator. Further, for example, in the category owner code column 20101 of the category owner 1 settlement information column 20201, for example, information “123401001” is stored in the same manner as the customer category owner data table 50 shown in FIG. It should be noted that the information of the two data tables is processed as a single unit because the category owner codes of the customer category owner data table 50 and the past credit category owner data table 200 relating to future claims are the same. The other details are based on the customer management association data table 40 and the customer category owner data table 50.

Next, details of the information stored in the past bond category owner data table 200 will be described. First, the business entity that is responsible for managing past claims processing, which is a consignee, sends necessary documents to each category owner via, for example, an apartment management association, and for account transfer related to card payment of the category owner. Necessary information such as financial institution information and account number is stored in the account transfer financial institution column 20102 and account number column 20103 of the corresponding category owner code. For example, if the account transfer financial institution column 20102 of the category owner code “123401001” is, for example, “0987” and the account number is “5423XXX”, as shown in FIG. 20, “0987”, “5423XXX” Is stored in the corresponding column, and in the house card number column 20105, for example, “7123XXX”, in the credit card number column 20104, for example, when using a credit card other than the house card, the card number is “5880XXX”, If the house card is cardless, for example, information “suitable” is stored in the cardless column 20106. Furthermore, regarding the credit card credit limit, if 500,000 yen is given as the credit limit in consideration of the past credit amount of the corresponding category owner, the credit limit credit card credit card credit card " “500,000 yen” is stored. Further, in the point column 20109, for example, when the point is given to the corresponding category owner by card payment, information such as “50” is stored for this point. Further, when the points are given, when further collecting the past receivables for the corresponding category owner, a part of the receivables is compensated with points, and the points after the point compensation are entered in the point column 20109 It shall be reflected.

In the above description, for example, a numeric character code is stored as the storage information for each column, but even information such as a code uniquely set by the contractor or the like is uniquely set by the contractor or the like. It may be the one to which information such as a code is added. The storage in each item column may be transmitted from the trust organization system 201 or the like via the management apparatus interface 26 via the network 10 and processed by the management apparatus server 22 based on this.

Next, with respect to the past receivable payment progress data table 210 showing the payment progress in the past receivable processing (normal) column 1822 and the past receivable processing (default) column 1823 of the past receivable card processing time table 180 shown in FIG. It explains according to. The past receivable payment progress data table 210 includes a progress title column 211, a progress management item column 212, a category owner 1 progress information column 21301, and category owner 2 progress information indicating information for settlement progress management of each category owner. A column 21302, a section owner 3 progress information column 21303, and so on. In the progress title column 211, for example, information “January 2013” is stored regarding the year and month for which progress management is performed, and the date of the past receivable payment progress data is clearly indicated. Further, the progress management item column 212 includes a category owner code column 21201, an account transfer request date column 21202, an account transfer deposit date column 21203, a card payment request date column 21204, and a deposit date column 21205. , Unpaid final date column 21206, cancellation slip draft date column 21207, advance payment return date column 21208, receivable transfer date column 21209, receivable sale date column 21210, principal column 21211, arrears A gold column 21212, a fee column 21213, a reimbursement payment column 21214, a purchase order column 21215, an agency contract column 21216,... The past credit payment progress data table 210 is, for example, information calculated from related information by the management device server 22 according to a program stored in the management device DB 21 or past credit payment progress displayed on the display of the management output device 23. In accordance with a data setting screen (not shown), for example, information input by an operator from the keyboard of the management input device 24 of the management system 20 is managed by the management device server 22 according to a program stored in the management device DB 21. Shall be stored above. The past bond payment progress data setting screen (not shown) has the same format as the past bond payment progress data table 210. Furthermore, if necessary, a past credit payment progress data table display screen (not shown) according to the contents of the past credit payment progress data table 210 is displayed on the management output device 23 of the management system 20 or the customer output of the customer system 30, for example. It is displayed on the device 33. The past bond payment progress data table 210 may be input and stored in the memory on the customer system 30 side. The information input and stored on the management system 20 side may be transmitted to the customer system 30 side via the network 10, for example, and the information input and stored on the customer system 30 side may be transmitted to the management system 20 side. You can send it. In addition, when the display of a past credit payment progress data table display screen (not shown) is requested, the display range may be limited according to the operator. Further, for example, in the category owner code column 21201 of the category owner 1 progress information column 21301, the customer category owner data table 50 shown in FIG. 5 and the category owner settlement data table 80 shown in FIG. For example, information “123401001” is stored. In addition, since the category owner codes of the customer category owner data table 50, the category owner settlement data table 80, and the past receivable payment progress data table 210 are the same, the information in the three data tables is stored in the same category owner. It shall be processed as information. The other details are based on the customer category owner data table 50, the category owner settlement data table 80, and the like.

  First, in past claim processing (usually), a past claim processing agency (also referred to as a substitute entity) makes a request for paying principal, arrearage charges and fees for using the card to the relevant category owner. For this billing date, for example, information “250115” is stored in the card payment billing date column 21204. In response to the request, if there is a payment from the corresponding category owner, for example, information “250527” is stored in the payment date column 21205 regarding the payment date. If the date information is stored in the deposit date column 21205, it is assumed that the card payment for the past receivable is completed. Further, with respect to the principal, arrears and fees in the collection of the past claims, the corresponding principal amount is stored in the principal column 21211, the arrears amount is stored in the arrears column 21212, and the fee amount is stored in 21213. Further, it is assumed that the total amount of principal, arrears, fees, and the total amount thereof for a certain period is stored in a data table (not shown), for example, for each owner and the total amount for each customer.

  On the other hand, when payment from the category owner fails, information on “250227”, for example, is stored in the non-accrual date column 21206 regarding the non-accrual date due to non-performance. The agency will issue a cancellation slip (also referred to as issuance of a cancellation slip) to the relevant card company, and the card company will process the cancellation slip. For example, information “250115” is stored in the vote date field 21207. With respect to the return date for the advance payment by the card company based on the cancellation slip, for example, information “250228” is entered in the advance return date column 21208, and the transfer date of the transfer date with respect to the transfer date of the return due to the return payment. For example, information “250228” is stored in the month / day field 21209. As a result, the relevant receivables are transferred from the card company to the agency. For example, if the agency that received the transfer of the receivable sells the applicable receivable as the collateral property, for example, the property sale date of the receivable property is entered in the receivable sale date column 21210. In the case where the information “250927” is stored and the receivable is sold through a fund or the like whose information is stored in the partner fund contract column 19215, for example, the purchase order column 21215, the brokerage contract column 21216, etc. The date information is stored. In addition, if the card company collects the claim by selling it to the servicer as an unsecured monetary claim (182306), the information about the sale of the claim sent from the card company For example, the sold date information is stored in the bond sale date column 21210.

  As mentioned above, although 1st, 2nd, 3rd embodiment was demonstrated, in the description, the business charge side which manages the apartment by an apartment management association, a management company, an apartment manager, etc., and the business which manages the said apartment, for example It is assumed that there is an entity with the business side that is entrusted with the outsourcing of expenses including management expenses from the person in charge and delinquency and / or the outsourcing of advisory work, but if the technical idea of this application can be realized, for example condominium management The association may include the business content of the entity. Alternatively, the operations described in the first, second, and third embodiments may be collectively entrusted, but it is also possible to subdivide and entrust each business item in each embodiment. Furthermore, depending on the case, a certain item may be entrusted separately as a business consignment according to the first embodiment, and another item may be entrusted as an advisory task according to the second embodiment. For example, although it is entrusted as an advisory service in general, it may be entrusted as a business consignment for the work of collecting costs including administrative expenses. In that case, it may be possible to deduct the expenses etc. of the entrusted entity and pass it to the management association.

The present invention not only can provide an effective countermeasure against the arrears of administrative expenses of apartments, it is efficient line cormorants means cost recovery on real estate. Furthermore, the present invention can be widely applied not only to the industrial field related to the real estate but also to the retail industry where a fixed amount of monthly expenses is required to be collected for confirmation.

DESCRIPTION OF SYMBOLS 10 ... Network 20 ... Management system 30 ... Customer system 40 ... Customer management association data table 50 ... Customer division owner data table 60 ... Future bond processing and trust maintenance time table 80 · · Data table 90 for settlement by category owner · · · Payment means time table 100 · · Payment progress data table 110 · · Advice future bond processing and trust maintenance time table 120 · · Advice settlement means time table 130 · · Card processing Time table 140 .. Card processing 2 time table 150.. Card processing 3 time table 160.. Card processing 4 time table 170 .. Bond sales time table 180 .. Past bond card processing time table 190. Table 200 ・ ・ Past claims category Owner data table 210 ... past credit payment progress data table

Claims (49)

A loan processing management system related to a business consignment related to past receivables that have been delinquent among expenses including management costs for condominiums, the system in charge of a loan processing management business comprising at least a management device database and a management device server A management system that is a business entity, a customer system that has at least the same decision-making ability as a condominium management association or at least a customer device memory and a customer device processor, a trust organization system that has a trust function, and a lawyer or a qualified person who is legal A beneficiary representative system related to financial institution and a financial institution system related to finance,
Wherein stored in the management device database, in those having the condominium management association or combination with equivalent decision capability, consignment relates recovery already Occurring past debts is delinquent of costs, including administrative costs of the condominium processing required to outsourcing to previously been conducted by those having the condominium management association or union equivalent decision capability and, based on the information indicating that it is effective, the relevant condominium management association first storage means for storing by the management device server or the customer device processor and a result of the determination and information necessary to determine as the target for outsourcing,
Means for displaying information stored by the first storage means;
It said information relating to the credit card number and / or house card number on that the arrears are already settlement means of past loans that are occurring out of the costs, including administrative expenses of the condominium is made by credit card payment settlement Second storage means for storing by the management device server or the customer device processor ;
Means for displaying information stored by the second storage means;
Regard already card payment of past loans that are occurring are the arrears of the costs, including administrative expenses of the condominium, the customer column on the management device database of the management system is a comprehensive merchant in tenants merchant a third storage means for storing the certain the customer name and / or the management device and information related to information and tenants distribution agreement regarding customer address is completed the server or the client device processor identifies the customer system,
Means for displaying the information stored by the third storage means;
Relates card payment past claims occurring already the delinquent of costs, including administrative costs of the condominium, the information stored in the customer field on the management device database of the management system is the comprehensive merchant in performing settlement services by the card company to the customer system, which is the tenants merchants are identified,
Regard already card payment of past loans that are occurring are the arrears of the costs, including administrative expenses of the condominium, and the date the information accrued, which is transmitted from the card company has been established,
(1) and said information on the date that issued the canceled slip in the management system by canceling billing request transmitted from the card company,
(2) said was sent from the card company, sold-sale date information after the receivables related to costs, including administrative expenses of the condominium has been a certain period of time held,
A fourth storage means for storing by the management device server or the customer device processor and either one of,
And a means for displaying the information stored by the fourth storage means. Relates Already card payment past claims occurring is the delinquent of costs, including administrative costs of the condominium, fifth storage that stores information about the type of the card by the management device server or the customer device processor Means,
The claim processing management system according to claim 1, further comprising: means for displaying information stored by the fifth storage means. Relates to the aforementioned arrears are already occurred Cards payment of past debts of the costs, including administrative expenses of the condominium, already occurred is the non-payment of the costs, including administrative expenses of the condominium in the card Sixth storage means for storing information relating to a credit line amount for payment of a past bond by the management device server or the customer device processor ;
The claim processing management system according to claim 1, further comprising means for displaying information stored by the sixth storage means. Stored as a card to be used for payment of past claims that the are delinquent already occurred among the costs including administrative costs of the condominium, information that is not actually issued the card by the management device server or the customer device processor And a seventh storage means
The seventh loans management system of any one of claims 1 to 3, further comprising a means for displaying the information stored by the storage means. Already relates to card payment of past loans that have occurred, the management device server or the customer equipment information on the points to be granted in accordance with the usage amount of the card is the non-payment of the costs, including administrative expenses of the condominium An eighth storage means for storing by the processor ;
The eighth loans management system of any one of claims 1 to 4, further comprising a means for displaying the information stored by the storage means. The stores information about the result of the compensation already paid in the past claims occurring is the delinquent of the granted point costs including administrative costs of the condominium by the management device server or the customer device processor 9 storage means;
6. The claim processing management system according to claim 5, further comprising means for displaying information stored by the ninth storage means. It relates to a pay advance by the outsourcing, the apartment the amount minus the fee from the total amount of the principal and arrears of past loans that the are delinquent has already occurred among the costs, including administrative expenses of the condominium A means for calculating the information necessary to make the advance payment to the management union;
Storage means 10 for storing the calculated information by the management device server or the customer device processor,
The tenth loans management system of any one of claims 1 to 6, further comprising a means for displaying the information stored by the storage means. The claim processing management system according to any one of claims 1 to 7, wherein the claim processing management system includes:
It said Ri engaged in outsourcing and / or advisory services related to the settlement and the non-payment of future receivables of the costs, including administrative expenses of the condominium,
Necessary for entrusting outsourcing and / or advisory services to a consignee regarding settlement and delinquency of the future claims in the condominium management association stored in the management apparatus database or having the same decision-making ability as the union performed by those processing has the condominium management association or union equivalent decision capability and, based on the information indicating that it is effective, the relevant condominium management association of the consignment and / or advisory services Eleventh storage means for storing information necessary for determination as a target and the determination result by the management apparatus server or the customer apparatus processor ;
Means for displaying information stored by the eleventh storage means;
As outsourcing to subcontractors relates to settlement and arrears of the future receivables of the costs, including administrative expenses of the condominium,
And information required for to transfer the costs, including the condominium management expenses of the segment owner trusts accounts having the trust functions, regarding the result of transfer to the trust account by information transmitted from those having the trust functions Information related to the result of trust preservation of expenses including the management cost of the condominium of the divided owner transferred to the trust account, although having the trust function and the trust function, and transmitted from the financial institution or an equivalent business function information about the result of the trust conservation is, information relating to the financial institution or a result of the trust cancel costs including administrative costs of the transmitted said condominium from those having an equivalent operational function, the management device server or the Twelfth storage means for storing by the customer device processor ;
Means for displaying the information stored by the twelfth storage means;
As outsourcing to contractors about the settlement and the non-payment of the future receivables of the costs, including administrative expenses of the condominium,
Relates to advance payment of the consignment, said the amount of money obtained by subtracting the fees related to cost recovery, including the administrative expenses of the condominium in the certain period of time from the costs, including the administrative expenses of the condominium of the segment owner in a certain period of time financial institutions or it means for calculating the information required for the payment advances to the condominium management association from those having an equivalent operational function,
Thirteenth storage means for storing the calculated information by the management device server or the customer device processor ;
Means for displaying the information stored by the thirteenth storage means;
As part of the outsourcing and / or advisory services to the contractors about the settlement and the non-payment of the future receivables of the costs, including administrative expenses of the condominium,
A means for calculating the amount of deposits, non-payments, and expenses required to collect non-payments for each period, including administrative expenses for a certain period,
Means for calculating the total amount of the non-payment amount and the cost required for collecting the non-payment for each owner,
Fourteenth storage means for storing information on the result by the means for calculating by the management apparatus server or the customer apparatus processor ;
Means for displaying the information stored by the fourteenth storage means;
As part of the outsourcing and / or advisory services to the contractors it relates to settlement and arrears of the future receivables of the costs, including administrative expenses of the condominium,
Means for calculating the non-payment amount and the cost required for collecting the non-payment for each apartment management association;
Fifteenth storage means for storing information on the result by the means for calculating by the management apparatus server or the customer apparatus processor ;
And a means for displaying the information stored in the fifteenth storage means. Settlement means of the future receivables of the costs, including administrative expenses of the condominium, account transfer, credit card payment settlement, any information related to be made by at least one of the convenience store payment and settlement of the transfer or settlement A storage means for storing information on whether the payment means is by the management device server or the customer device processor ;
Wherein the 16 loans management system of any one of claims 1 to 8, further comprising a means for displaying the information stored by the storage means. The case, which is the tenants merchant to the customer column on the management device database of the management system, which is the comprehensive merchant to use the card to pay for the future receivables of the costs, including administrative expenses of the condominium Seventeenth storage means for storing information related to a customer system by the management device server or the customer device processor ;
The seventeenth loans management system of any one of claims 1 to 9, further comprising a means for displaying the information stored by the storage means. When using the card to pay for the future debts of the costs including administrative costs of the condominium, is specified by the information stored in the customer field on the management device database of the management system is the comprehensive merchant in performing settlement services by the card company to the customer system, which is the tenants merchant,
Relates to a card payment of costs, including administrative expenses of the condominium, and the date the information accrued, which is transmitted from the card company has been established,
(1) Information on the date that issued the canceled slip in the management system by canceling billing request transmitted from the card company,
(2) said was sent from the card company, which was sold date information after the said receivables related to costs, including administrative expenses of the condominium has been a certain period of time held,
A second 18 memory means for storing by the management device server or the customer device processor and either one of,
Wherein the 18 loans management system of any one of claims 1 to 10, further comprising a means for displaying the information stored by the storage means. When using the card to pay for the future claims costs including administrative costs of the condominium, and the 19 storage means for storing information about the type of the card by the management device server or the customer device processor,
Wherein the 19 loans management system of any one of claims 1 to 11, further comprising a means for displaying the information stored by the storage means. If you use the card to pay for the future receivables of the costs, including administrative expenses of the condominium, the management device server information about the credit amount of money for the payment of costs, including administrative expenses of the condominium in the card Or a twentieth storage means stored by the customer device processor ;
Wherein the 20 loans management system of any one of claims 1 to 12, further comprising a means for displaying the information stored by the storage means. 21st memory | storage means to store the information which does not actually issue a card | curd by the said management apparatus server or the said customer apparatus processor as a card | curd used for the payment of the said future debt among expenses including the management expenses of the said condominiums ,
Wherein the 21 loans management system of any one of claims 1 to 13, further comprising a means for displaying the information stored by the storage means. When using the card to pay for the future debts of the costs including administrative costs of the condominium, the stores information about the points assigned depending on the use amount of the card by the management device server or the customer device processor 22 storage means;
Wherein the 22 loans management system of any one of claims 1 to 14, further comprising a means for displaying the information stored by the storage means. Storage means 23 for storing information about the result of filling the point that the applied to the payment of costs, including administrative costs of the condominium by the management device server or the customer device processor,
16. The claim processing management system according to claim 15, further comprising means for displaying information stored by the twenty-third storage means. A control method of a claim processing management system related to a business consignment concerning past claims that have been delinquent among expenses including management costs of condominiums, the system comprising at least a management device database and a management device server. A management system that is a business entity in charge of a customer, a customer system that has at least the same ability as a condominium management union or union comprising a customer device memory and a customer device processor, a trust agency system that has a trust function, and a lawyer or law A beneficiary representative system for qualified persons and a financial institution system for finance,
Wherein stored in the management device database, in those having the condominium management association or combination with equivalent decision capability, consignment relates recovery already Occurring past debts is delinquent of costs, including administrative costs of the condominium processing required to outsourcing to previously been conducted by those having the condominium management association or union equivalent decision capability and, based on the information indicating that it is effective, the relevant condominium management association by the management device server or the customer device processor and a result of the determination and information necessary to determine as the target for outsourcing stored as the first memory means,
Displaying the information stored by the first memory;
It said information relating to the credit card number and / or house card number on that the arrears are already settlement means of past loans that are occurring out of the costs, including administrative expenses of the condominium is made by credit card payment settlement Store as second storage by the management device server or the customer device processor ,
Displaying the information stored by the second memory;
Regard already card payment of past loans that are occurring are the arrears of the costs, including administrative expenses of the condominium, the customer column on the management device database of the management system is a comprehensive merchant in tenants merchant by some the customer name and / or information and tenants agency contract the management device and the information about that was complete server or the customer device processor regarding customer address identifies the customer system stored as a third storage,
Means for displaying information stored by the third storage;
Relates card payment past claims occurring already the delinquent of costs, including administrative costs of the condominium, the information stored in the customer field on the management device database of the management system is the comprehensive merchant in performing settlement services by the card company to the customer system, which is the tenants merchants are identified,
Regard already card payment of past loans that are occurring are the arrears of the costs, including administrative expenses of the condominium, and the date the information accrued, which is transmitted from the card company has been established,
(1) and said information on the date that issued the canceled slip in the management system by canceling billing request transmitted from the card company,
(2) said was sent from the card company, sold-sale date information after the receivables related to costs, including administrative expenses of the condominium has been a certain period of time held,
By the management device server or the customer device processor and either stored as a fourth storage,
A method for controlling a claim processing management system, comprising: displaying information stored in the fourth memory. Relates Already card payment past claims occurring is the delinquent of costs, including administrative costs of the condominium, stores information about the type of the card as a fifth storage of by the manager server or the customer device processor And
The control method of the claim processing management system according to claim 17, further comprising displaying the information stored in the fifth storage. Relates to the aforementioned arrears are already occurred Cards payment of past debts of the costs, including administrative expenses of the condominium, already occurred is the non-payment of the costs, including administrative expenses of the condominium in the card Information relating to the credit amount for the payment of the past claims is stored as a sixth storage by the management device server or the customer device processor ,
The control method of the claim processing management system according to claim 17 or 18, further comprising displaying the information stored by the sixth storage. As a card to be used for payment of past claims that the are delinquent already occurred among the costs including administrative costs of the condominium, the information that is not actually issued the card by the management device server or the customer device processor 7 as memory,
It said seventh control method of the claim processing management system according to any one of claims 17 to 19, further comprising a display information stored by the storing. Already relates to card payment of past loans that have occurred, the management device server or the customer equipment information on the points to be granted in accordance with the usage amount of the card is the non-payment of the costs, including administrative expenses of the condominium Stored as eighth memory by the processor ,
The eighth control method of the claim processing management system according to any one of claims 17 to 20, further comprising a displaying a information stored by the storage of. By the delinquent has been already generated the information about past debts result of compensation to pay for and the management device server or the customer unit processor among the costs including administrative costs of the condominium points that the granted ninth Store as memory,
The method according to claim 21, further comprising displaying information stored in the ninth storage. It relates to a pay advance by the outsourcing, the apartment the amount minus the fee from the total amount of the principal and arrears of past loans that the are delinquent has already occurred among the costs, including administrative expenses of the condominium Calculate the information necessary to make the advance payment to the management union,
Storing the calculated information as a tenth memory by the management device server or the customer device processor ;
Said tenth control method of the claim processing management system according to any one of claims 17 to 22, further comprising a display information stored by the storing. A method for controlling a claim processing management system according to any one of claims 17 to 23, wherein the claim processing management system comprises:
It said Ri engaged in outsourcing and / or advisory services related to the settlement and the non-payment of future receivables of the costs, including administrative expenses of the condominium,
Necessary for entrusting outsourcing and / or advisory services to a consignee regarding settlement and delinquency of the future claims in the condominium management association stored in the management apparatus database or having the same decision-making ability as the union performed by those processing has the condominium management association or union equivalent decision capability and, based on the information indicating that it is effective, the relevant condominium management association of the consignment and / or advisory services Information necessary for determining as an object and the determination result are stored as an eleventh storage by the management device server or the customer device processor ,
Displaying the information stored by the eleventh memory;
As outsourcing to subcontractors relates to settlement and arrears of the future receivables of the costs, including administrative expenses of the condominium,
And information required for to transfer the costs, including the condominium management expenses of the segment owner trusts accounts having the trust functions, regarding the result of transfer to the trust account by information transmitted from those having the trust functions Information related to the result of trust preservation of expenses including the management cost of the condominium of the divided owner transferred to the trust account, although having the trust function and the trust function, and transmitted from the financial institution or an equivalent business function information about the result of the trust conservation is, information relating to the financial institution or a result of the trust cancel costs including administrative costs of the transmitted said condominium from those having an equivalent operational function, the management device server or the Stored as a twelfth memory by the customer device processor ;
Displaying the information stored by the twelfth memory;
As outsourcing to contractors about the settlement and the non-payment of the future receivables of the costs, including administrative expenses of the condominium,
Relates to advance payment of the consignment, said the amount of money obtained by subtracting the fees related to cost recovery, including the administrative expenses of the condominium in the certain period of time from the costs, including the administrative expenses of the condominium of the segment owner in a certain period of time financial institutions or calculating the information necessary for the payment advances to the condominium management association from those having an equivalent operational function,
The calculated information is stored as a thirteenth storage by the management device server or the customer device processor ,
Displaying the information stored by the thirteenth memory;
As part of the outsourcing and / or advisory services to the contractors about the settlement and the non-payment of the future receivables of the costs, including administrative expenses of the condominium,
Calculate the amount of money received including non-administrative expenses for a certain period, the amount of non-payment, and the cost required to collect non-payment for each category owner.
Calculate the total amount of the non-payment amount and the cost required to collect the non-payment for each category owner,
Storing information on the result by the means for calculating as a fourteenth storage by the management device server or the customer device processor ;
Displaying the information stored by the fourteenth memory;
As part of the outsourcing and / or advisory services to the contractors it relates to settlement and arrears of the future receivables of the costs, including administrative expenses of the condominium,
Calculate the non-payment amount and the cost required to collect the non-payment for each apartment management association,
Information relating to the result by the means for calculating is stored as a fifteenth memory by the management device server or the customer device processor ,
The fifteenth control method of the claim processing management system according to any one of claims 17 to 23, further comprising a display information stored by the storing. Settlement means of the future receivables of the costs, including administrative expenses of the condominium, account transfer, credit card payment settlement, any information related to be made by at least one of the convenience store payment and settlement of the transfer or settlement Information regarding whether the payment is made by the management device server or the customer device processor as a sixteenth storage,
The sixteenth control method of the claim processing management system according to any one of claims 17 to 24, further comprising a display information stored by the storing. The case, which is the tenants merchant to the customer column on the management device database of the management system, which is the comprehensive merchant to use the card to pay for the future receivables of the costs, including administrative expenses of the condominium Storing information related to the customer system as a seventeenth memory by the management device server or the customer device processor ;
The seventeenth control method of the claim processing management system according to any one of claims 17 to 25, further comprising a display information stored by the storing. When using the card to pay for the future debts of the costs including administrative costs of the condominium, is specified by the information stored in the customer field on the management device database of the management system is the comprehensive merchant in performing settlement services by the card company to the customer system, which is the tenants merchant,
Relates to a card payment of costs, including administrative expenses of the condominium, and the date the information accrued, which is transmitted from the card company has been established,
(1) Information on the date that issued the canceled slip in the management system by canceling billing request transmitted from the card company,
(2) said was sent from the card company, which was sold date information after the said receivables related to costs, including administrative expenses of the condominium has been a certain period of time held,
By the management device server or the customer device processor and either stored as storage of the 18,
The eighteenth control method of the claim processing management system according to any one of claims 17 to 26, further comprising a display information stored by the storing. When using the card to pay for the future claims costs including administrative costs of the condominium, stores information about the type of the card as storage of the 19 by the management device server or the customer device processor,
The method of claim 19 loans management system of any one of claims 17 to 27, further comprising a display information stored by the storing. If you use the card to pay for the future receivables of the costs, including administrative expenses of the condominium, the management device server information about the credit amount of money for the payment of costs, including administrative expenses of the condominium in the card Or stored as a twentieth memory by the customer device processor ,
The twentieth control method of the claim processing management system according to any one of claims 17 to 28, characterized in that further comprising displaying the information stored by the storing. As cards used to pay for the future debts of the costs including administrative costs of the condominium, to store information which does not issue the card actually as a 21 storing by said management device server or the customer device processor,
Wherein the 21 control method of the claim processing management system according to any one of claims 17 to 29, further comprising a display information stored by the storing. When using the card to pay for the future debts of the costs including administrative costs of the condominium, by the management device server or the customer device processor information about points assigned depending on the use amount of the card 22 Store as memory,
The method of claim 22 loans management system of any one of claims 17 to 30, characterized in that further comprising displaying the information stored by the storage of. Storing points that the applied as a 23 storing information about the result of the compensation to the payment of charges by the management device server or the customer device processor including administrative costs of the condominium,
32. The method of controlling a claim processing management system according to claim 31, further comprising displaying the information stored in the 23rd memory. A loan processing management system program related to business consignment related to past claims that have been delinquent among expenses including management costs for condominiums, the system performing at least a claims processing management business comprising a management device database and a management device server A management system as a business in charge, a customer system having at least the same decision-making ability as a condominium management union or union comprising at least a customer device memory and a customer device processor, a trust organization system having a trust function, and a lawyer or legal legal A beneficiary representative system for qualified persons and a financial institution system for finance,
The program is
Wherein stored in the management device database, in those having the condominium management association or combination with equivalent decision capability, consignment relates recovery already Occurring past debts is delinquent of costs, including administrative costs of the condominium processing required to outsourcing to previously been conducted by those having the condominium management association or union equivalent decision capability and, based on the information indicating that it is effective, the relevant condominium management association first storage means for storing by the management device server or the customer device processor and a result of the determination and information necessary to determine as the target for outsourcing,
Means for displaying information stored by the first storage means;
It said information relating to the credit card number and / or house card number on that the arrears are already settlement means of past loans that are occurring out of the costs, including administrative expenses of the condominium is made by credit card payment settlement Second storage means for storing by the management device server or the customer device processor ;
Means for displaying information stored by the second storage means;
Regard already card payment of past loans that are occurring are the arrears of the costs, including administrative expenses of the condominium, the customer column on the management device database of the management system is a comprehensive merchant in tenants merchant a third storage means for storing the certain the customer name and / or the management device and information related to information and tenants distribution agreement regarding customer address is completed the server or the client device processor identifies the customer system,
Means for displaying the information stored by the third storage means;
Relates card payment past claims occurring already the delinquent of costs, including administrative costs of the condominium, the information stored in the customer field on the management device database of the management system is the comprehensive merchant in performing settlement services by the card company to the customer system, which is the tenants merchants are identified,
Regard already card payment of past loans that are occurring are the arrears of the costs, including administrative expenses of the condominium, and the date the information accrued, which is transmitted from the card company has been established,
(1) and said information on the date that issued the canceled slip in the management system by canceling billing request transmitted from the card company,
(2) said was sent from the card company, sold-sale date information after the receivables related to costs, including administrative expenses of the condominium has been a certain period of time held,
A fourth storage means for storing by the management device server or the customer device processor and either one of,
A program for a claim processing management system, which causes a computer to function as means for displaying information stored in the fourth storage means. Relates Already card payment past claims occurring is the delinquent of costs, including administrative costs of the condominium, fifth storage that stores information about the type of the card by the management device server or the customer device processor Means,
34. A program for a claim processing management system according to claim 33, further causing a computer to function as means for displaying information stored in said fifth storage means. Relates to the aforementioned arrears are already occurred Cards payment of past debts of the costs, including administrative expenses of the condominium, already occurred is the non-payment of the costs, including administrative expenses of the condominium in the card Sixth storage means for storing information relating to a credit line amount for payment of a past bond by the management device server or the customer device processor ;
35. The program of a claim processing management system according to claim 33 or 34, further causing a computer to function as means for displaying information stored in the sixth storage means. Stored as a card to be used for payment of past claims that the are delinquent already occurred among the costs including administrative costs of the condominium, information that is not actually issued the card by the management device server or the customer device processor And a seventh storage means
36. The program for a claim processing management system according to any one of claims 33 to 35 , further causing a computer to function as means for displaying information stored in the seventh storage means. Already relates to card payment of past loans that have occurred, the management device server or the customer equipment information on the points to be granted in accordance with the usage amount of the card is the non-payment of the costs, including administrative expenses of the condominium An eighth storage means for storing by the processor ;
The eighth further claims 33 to 36 any one of claims loans management system program of characterized in that to function the computer as a means for displaying the information stored by the storage means. The stores information about the result of the compensation already paid in the past claims occurring is the delinquent of the granted point costs including administrative costs of the condominium by the management device server or the customer device processor 9 storage means;
38. The program for a claim processing management system according to claim 37, further causing a computer to function as means for displaying information stored in the ninth storage means. It relates to a pay advance by the outsourcing, the apartment the amount minus the fee from the total amount of the principal and arrears of past loans that the are delinquent has already occurred among the costs, including administrative expenses of the condominium A means for calculating the information necessary to make the advance payment to the management union;
Storage means 10 for storing the calculated information by the management device server or the customer device processor,
The tenth further claims 33 to 38 any one of claims loans management system program of characterized in that to function the computer as a means for displaying the information stored by the storage means. A claim processing management system program according to any one of claims 33 to 39, wherein the claim processing management system comprises:
It said Ri engaged in outsourcing and / or advisory services related to the settlement and the non-payment of future receivables of the costs, including administrative expenses of the condominium,
The program is
Necessary for entrusting outsourcing and / or advisory services to a consignee regarding settlement and delinquency of the future claims in the condominium management association stored in the management apparatus database or having the same decision-making ability as the union performed by those processing has the condominium management association or union equivalent decision capability and, based on the information indicating that it is effective, the relevant condominium management association of the consignment and / or advisory services Eleventh storage means for storing information necessary for determination as a target and the determination result by the management apparatus server or the customer apparatus processor ;
Means for displaying information stored by the eleventh storage means;
As outsourcing to subcontractors relates to settlement and arrears of the future receivables of the costs, including administrative expenses of the condominium,
And information required for to transfer the costs, including the condominium management expenses of the segment owner trusts accounts having the trust functions, regarding the result of transfer to the trust account by information transmitted from those having the trust functions Information related to the result of trust preservation of expenses including the management cost of the condominium of the divided owner transferred to the trust account, although having the trust function and the trust function, and transmitted from the financial institution or an equivalent business function information about the result of the trust conservation is, information relating to the financial institution or a result of the trust cancel costs including administrative costs of the transmitted said condominium from those having an equivalent operational function, the management device server or the Twelfth storage means for storing by the customer device processor ;
Means for displaying the information stored by the twelfth storage means;
As outsourcing to contractors about the settlement and the non-payment of the future receivables of the costs, including administrative expenses of the condominium,
Relates to advance payment of the consignment, said the amount of money obtained by subtracting the fees related to cost recovery, including the administrative expenses of the condominium in the certain period of time from the costs, including the administrative expenses of the condominium of the segment owner in a certain period of time financial institutions or it means for calculating the information required for the payment advances to the condominium management association from those having an equivalent operational function,
Thirteenth storage means for storing the calculated information by the management device server or the customer device processor ;
Means for displaying the information stored by the thirteenth storage means;
As part of the outsourcing and / or advisory services to the contractors about the settlement and the non-payment of the future receivables of the costs, including administrative expenses of the condominium,
A means for calculating the amount of deposits, non-payments, and expenses required to collect non-payments for each period, including administrative expenses for a certain period,
Means for calculating the total amount of the non-payment amount and the cost required for collecting the non-payment for each owner,
Fourteenth storage means for storing information on the result by the means for calculating by the management apparatus server or the customer apparatus processor ;
Means for displaying the information stored by the fourteenth storage means;
As part of the outsourcing and / or advisory services to the contractors it relates to settlement and arrears of the future receivables of the costs, including administrative expenses of the condominium,
Means for calculating the non-payment amount and the cost required for collecting the non-payment for each apartment management association;
Fifteenth storage means for storing information on the result by the means for calculating by the management apparatus server or the customer apparatus processor ;
The fifteenth further claims 33 to 39 any one of claims loans management system program of characterized in that to function the computer as a means for displaying the information stored by the storage means. Settlement means of the future receivables of the costs, including administrative expenses of the condominium, account transfer, credit card payment settlement, any information related to be made by at least one of the convenience store payment and settlement of the transfer or settlement A storage means for storing information on whether the payment means is by the management device server or the customer device processor ;
The sixteenth further claims 33 to 40 any one of claims loans management system program of characterized in that to function the computer as a means for displaying the information stored by the storage means. The case, which is the tenants merchant to the customer column on the management device database of the management system, which is the comprehensive merchant to use the card to pay for the future receivables of the costs, including administrative expenses of the condominium Seventeenth storage means for storing information related to a customer system by the management device server or the customer device processor ;
The seventeenth further claims 33 to 41 any one of claims loans management system program of characterized in that to function the computer as a means for displaying the information stored by the storage means. When using the card to pay for the future debts of the costs including administrative costs of the condominium, is specified by the information stored in the customer field on the management device database of the management system is the comprehensive merchant in performing settlement services by the card company to the customer system, which is the tenants merchant,
Relates to a card payment of costs, including administrative expenses of the condominium, and the date the information accrued, which is transmitted from the card company has been established,
(1) Information on the date that issued the canceled slip in the management system by canceling billing request transmitted from the card company,
(2) said was sent from the card company, which was sold date information after the said receivables related to costs, including administrative expenses of the condominium has been a certain period of time held,
A second 18 memory means for storing by the management device server or the customer device processor and either one of,
The eighteenth further claims 33 to 42 any one of claims loans management system program of characterized in that to function the computer as a means for displaying the information stored by the storage means. When using the card to pay for the future claims costs including administrative costs of the condominium, and the 19 storage means for storing information about the type of the card by the management device server or the customer device processor,
The nineteenth further claims 33 to 43 any one of claims loans management system program of characterized in that to function the computer as a means for displaying the information stored by the storage means. If you use the card to pay for the future receivables of the costs, including administrative expenses of the condominium, the management device server information about the credit amount of money for the payment of costs, including administrative expenses of the condominium in the card Or a twentieth storage means stored by the customer device processor ;
The twentieth further claims 33 to 44 any one of claims loans management system program of characterized in that to function the computer as a means for displaying the information stored by the storage means. 21st memory | storage means to store the information which does not actually issue a card | curd by the said management apparatus server or the said customer apparatus processor as a card | curd used for the payment of the said future debt among expenses including the management expenses of the said condominiums ,
Wherein said 21 further claims 33 to 45 any one of claims loans management system program of characterized in that to function the computer as a means for displaying the information stored by the storage means. When using the card to pay for the future debts of the costs including administrative costs of the condominium, the stores information about the points assigned depending on the use amount of the card by the management device server or the customer device processor 22 storage means;
Wherein said 22 further claims 33 to 46 any one of claims loans management system program of characterized in that to function the computer as a means for displaying the information stored by the storage means. Storage means 23 for storing information about the result of filling the point that the applied to the payment of costs, including administrative costs of the condominium by the management device server or the customer device processor,
48. A program for a claim processing management system according to claim 47, further causing a computer to function as means for displaying information stored in said twenty-third storage means. 49. A recording medium on which a program for a claim processing management system according to any one of claims 33 to 48 is mounted.

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