JP6692122B2 - Warranty contract processing device, warranty contract processing method, and program - Google Patents

Description

  The present invention relates to a guarantee contract processing device, a guarantee contract processing method, and a program.

  In recent years, when making a real estate lease agreement, there are cases where a rent guarantee company pays rent on behalf of the renter when the renter fails to pay the rent between the lessor and the rent guarantee company. It has increased.

  In addition, in Patent Document 1, "the lessee has a rental property management organization that makes an outsourcing contract for a rental warranty including a guarantee of rent related to the rental property, and the rental property management organization has a rental guarantee agency contract. A rental guarantee mechanism that is connected to the rental property management mechanism via a line and has a computer that performs processing related to the rental guarantee and a database that stores the rental guarantee information, and a collection and transfer management of the rent related to the lessee. The rent guarantee mechanism includes a rent transfer management mechanism connected to the rent guarantee mechanism via a line and a damage insurance mechanism connected to the rent guarantee mechanism via a line. Fire insurance by the insurance organization is attached, and the rental property management organization is responsible for the rent when the lessee makes the rental guarantee consignment contract with the rental property management organization. It is configured to notify the guarantee organization of the content of the rental guarantee consignment contract, and when the rental guarantee mechanism receives the content of the rental guarantee consignment contract from the rental property management organization, the rental guarantee information is described as above. A rental guarantee system characterized by being stored in a database and notifying fire insurance information to the non-life insurance mechanism so as to guarantee the fire insurance.

JP, 2009-223585, A

  The rent guarantee company will be informed of the arrears of rent by the notice from the lessor (or its agent). Therefore, the rent guarantee company may suffer a disadvantage because it cannot grasp the rent deposit information in real time. For example, the timing of exercising the right to rehabilitate after the rent guarantee company repays the rent debt (substitution payment) on behalf of the lessee, or double reminder occurs by notifying the lessor of the repayment. , There may be problems such as not being able to calculate the delinquent damages accurately, or having difficulty in determining which debt should be used for deposits when there are multiple deposits.

  In the technology described in Patent Document 1, the rent guarantee company recognizes that the rent is unpaid by the notification from the rent transfer management mechanism, which is a credit card company, but the rent guarantee company exercises the right of reparation to the borrower. It is not configured to. Therefore, the rent guarantee company has no choice but to entrust the rent transfer management mechanism from the processing of overdue to the exercise of the right of indemnification, which is disadvantageous in terms of cost.

  The present invention has been made in view of the above points, and an object of the present invention is to provide a technique capable of efficiently performing a process associated with a guarantee contract.

  The present application includes a plurality of means for solving the above problems, and examples thereof are as follows.

In order to solve the above problems, a guarantee contract processing device according to the present invention is a guarantee contract processing device according to a contract that guarantees a debt that occurs periodically, and information about the debt guaranteed in the contract, a debtor , And a storage unit that stores customer information associated with flag information indicating the intention of the debtor regarding the contract, and payment history information including a deposit amount by the debtor and an estimated payment amount to the creditor, and communication. A payment detection unit that detects payment from the debtor based on the information obtained from the financial institution terminal device that is possible to be connected and generates the payment history information, and a debt payment date to the creditor that occurs regularly. identify, and the use of money is credited from the debtor, dispensing processing unit that outputs an instruction of money according to the debt to the creditor's account to the financial institution terminal device to periodically repayment, And a dunning information generation unit for determining whether to exercise the advance reimbursement right for the debtor, wherein the dunning information generation unit is the debt for which the deposit amount is less than the scheduled payment amount. When the repayment date is not reached and the flag information satisfies a predetermined condition, it is determined that the advance reimbursement right is to be exercised, and dunning information including information indicating that it is a reminder based on the advance reimbursement right is generated. Is characterized by.

Further, in order to solve the above problems, the guarantee contract processing device according to the present invention is such that, with respect to the debt in which the deposit amount on the debt repayment date is less than the scheduled payment amount, the withdrawal processing unit subrogates the debt. A subrogation repayment determination unit that determines whether or not the debt repayment date is used. The financial institution terminal device to perform subrogation payment to the person's account, and the dunning information generation unit, when the subrogation payment determination unit determines that the subrogation payment is made, information indicating that the dunning is based on the right of reimbursement. The dunning information including the information may be generated.

Further, in order to solve the above problem, the subrogation repayment determination unit is configured such that the scheduled subrogation repayment date of the debt guarantee company concluding the contract is after the debt repayment date, and the withdrawal processing unit is If you do not pay the money for the previous Symbol payment schedule amount that occurred before the debt repayment date, it may be characterized in that it is not determined that the subrogation.

In order to solve the above problems, guarantee contract processing apparatus according to the present invention, a communication unit which is connected via the business terminal and the network with the financial institution terminal and output devices financial institution has the The deposit detection unit may detect the deposit using a notification from the financial institution terminal device, and the communication unit may transmit the dunning information to the business terminal.

In order to solve the above problems, guarantee contract processing method according to the present invention is a guarantee contract processing method using a guarantee contract processing apparatus according to the contract to ensure obligation periodically generated, the guarantee contract processing The apparatus includes a storage unit, a deposit detection unit, a withdrawal processing unit, and a dunning information generation unit, and the storage unit includes information regarding the debt guaranteed in the contract, a debtor, and the contract information. The customer information associated with the flag information indicating the intention of the debtor and the payment history information including the amount of deposit by the debtor and the amount of payment to be paid to the creditor are stored, and the deposit detection unit is communicable. the creditor perform the deposit detection step of generating the payment history information detects the deposit from the debtor based on the information obtained from the connected financial institution terminal device, the payment processing unit, which regularly occurs To the person A withdrawal process that specifies a repayment date and outputs an instruction to the financial institution terminal device to periodically repay the money related to the debt to the account of the creditor using the money deposited by the debtor. And executing the step , the dunning information generating unit executes a dunning information generating step of determining whether or not to exercise a pre-claim right for the obligor, and in the dunning information generating step, the deposit amount is the payment amount. For the debt that does not reach the planned amount, if the debt repayment date has not come and the flag information satisfies a predetermined condition, it is determined that the pre-claim right is to be exercised, and the reminder is based on the pre-claim right. It is characterized in that dunning information including information indicating is generated .

Further, in order to solve the above-mentioned problems, a program according to the present invention is a program for causing a computer to execute processing relating to a contract for guaranteeing a debt that occurs periodically, and the computer functions as a storage unit and a control unit. The storage means associates information on the debt guaranteed in the contract, a debtor, and customer information in which flag information indicating the intention of the debtor with respect to the contract is associated with the deposit amount by the debtor and the creditor. and payment history information including a scheduled payment amount, and stores, to said control means, based on information obtained from a communicatively coupled financial institution terminal device detects the deposit from the debtor said The deposit detection step of generating deposit history information, and the date of debt repayment to the creditor that occurs on a regular basis is specified, and the money deposited by the debtor is identified. Using the dispensing processing step of outputting an instruction money according to the debt to the creditor's account to the financial institution terminal device to periodically payment, or to exercise pre recourse to the obligor A dunning information generation step of determining whether or not to execute, and in the dunning information generation step, for the debt in which the deposit amount is less than the expected payment amount, the debt repayment date has not come, and the flag information is When a predetermined condition is satisfied, it is determined that the advance reimbursement right is to be exercised, and dunning information including information indicating that it is a reminder based on the advance reimbursement right is generated .
Further, in order to solve the above-mentioned problems, a guarantee contract processing system according to the present invention is a guarantee contract processing system relating to a contract that guarantees a debt that occurs periodically, and the guarantee contract processing system is a financial institution terminal device. And a guarantee contract processing device, wherein the financial institution terminal device notifies the guarantee contract processing device of payment from a debtor, and at the same time issues an instruction to deposit money relating to the debt into an account of a creditor. a communication unit for receiving from the guarantee contract processing apparatus, the guarantee contract processing apparatus, information about the obligation to ensure in the contract, the debtor, and associated flag information indicating intention of the debtor related to the contract A storage unit for storing customer information, deposit history information including the deposit amount by the debtor and the expected payment amount to the creditor, and a notification from the financial institution terminal device. Based on the payment detection unit that detects the payment from the debtor and generates the payment history information, the debt payment date to the creditor that occurs regularly is specified, and the money deposited from the debtor is used. Then, a withdrawal processing unit that outputs an instruction to the financial institution terminal device to periodically reimburse the debtor's money to the creditor's account, and whether or not to exercise a pre-claim right for the debtor. A dunning information generation unit for determining whether the debt payment date is less than the debt payment date and the flag information is a predetermined condition. When the above conditions are satisfied, it is determined that the advance reimbursement right is to be exercised, and dunning information including information indicating that it is a reminder based on the advance reimbursement right is generated .

  According to the present invention, it is possible to provide a technique capable of efficiently performing processing associated with a guarantee contract.

  Problems, configurations, and effects other than those described above will be clarified by the following description of the embodiments.

It is a figure for explaining the outline of a guarantee contract processing system. It is an example of a functional block diagram of a guarantee contract processing system. It is a figure which shows an example of customer information. It is a figure showing an example of payment history information. It is a figure which shows an example of dunning information. It is a figure which shows the hardware structural example of a server apparatus. It is a flow chart which shows an example of payment application processing in a server device. It is a flow chart which shows an example of payment processing in a server device. It is a flow chart which shows an example of dunning information generation and output processing.

  Hereinafter, an example of an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a diagram for explaining an outline of the guarantee contract processing system 1. The guarantee contract will be described below by taking a contract regarding guarantee of rent debt as an example. In this example, the debtor is the lessee, the creditor is the lessor, and the rent guarantee company guarantees the rent debt.

  The lessor B is the landlord and leases the real estate to the lessee A by concluding a real estate lease agreement with the lessee A ((1) in the figure). At that time, a rent debt guarantee consignment contract is concluded between the lessee A and the rent guarantee company C ((2) in the figure), and the lessor B and the rent guarantee company C are in accordance with the rent debt guarantee consignment contract. The rent debt guarantee contract is concluded in ((3) in the figure). At this time, the rent guarantee company C acquires information on the rent obligation to be guaranteed.

  The rent guarantee company C stores the rent from the lessee A on behalf of the lessor B ((4) in the figure). The stored rent is paid to the lessor B ((5) in the figure). When the rent is delinquent, the rent guarantee company C pays the rent debt to the lessor B on behalf of the lessee A based on the rent guarantee contract (substituting subrogation) ((6) in the figure) and the rent. Exercise the right of reimbursement for person A and urge the payment of rent. Note that the rent mentioned here means money paid from the lessee A to the lessor B when the real estate is rented, and includes a management fee, a guarantee fee, and a late damages described later.

  Here, subrogation payment means that a third party, such as a guarantor, pays the debt on behalf of the debtor. It is the right to claim redemption. The rent guarantee company C can request the renter A to pay the subsidized rent based on the right of reimbursement. It should be noted that, in a predetermined case described later, the rent guarantee company C can exercise a pre-claim right on behalf of the renter A in place of the right to claim.

  By paying the rent from the lessee A to the lessor B via the rent guarantee company C, the rent guarantee company C can grasp the rent payment status, and thus can recognize the delay in payment in real time. ..

  FIG. 2 is an example of a functional block diagram of the guarantee contract processing system 1. The guarantee contract processing system 1 includes a server device 10, a business terminal device 20, and a bank terminal device 30. The server device 10 and the business terminal device 20 are connected by, for example, a LAN (Local Area Network). Further, the server device 10 and the bank terminal device 30 are connected via, for example, a network 40. However, the connection state is not limited to the above example, and for example, the business terminal device 20 and the server device 10 may be connected via the network 40, and the server device 10 and the bank terminal device 30 may be connected by a dedicated line. May be connected by.

  The server device 10 is provided with a hardware device that constitutes a so-called data center system, but the data center may be geographically separated from the business terminal device 20 or may be in the same place. Good.

  The server device 10 is, for example, a PC (Personal Computer) or the like, and functions as a rent processing device that performs a process related to a rent guarantee based on an input process from the business terminal device 20. The business terminal device 20 is a terminal device such as a PC, a PDA (Personal Digital Assistant), or a smartphone, and is operated by an operator of a rent guarantee company. The bank terminal device 30 is a terminal device such as a PC and is operated by a financial institution such as a bank. When the server device 10 and the bank terminal device 30 are connected via the network 40, the bank terminal device 30 provides a so-called internet banking service to the server device 10, so that the server device 10 connects via the network 40. It is possible to acquire deposit data and transfer money by transfer.

  The business terminal device 20 is, for example, a terminal device operated in a call center. Based on the dunning information displayed on the display (not shown) of the business terminal device 20, the operator of the call center urges the lessee A to pay the rent, so that the rent guarantee company C can obtain the indemnification right or the indemnification right described later. Exercise. Alternatively, by presenting the reminder letter printed on the server device 10 or the business terminal device 20 to the lessee A, the rent guarantee company C exercises the reimbursement right or the advance reimbursement right.

  The server device 10 includes a control unit 110, a storage unit 120, and a communication unit 130. The control unit 110 includes a customer information generation unit 111, a deposit detection unit 112, a withdrawal processing unit 113, a dunning information generation unit 114, and a subrogation payment determination unit 115.

  The customer information generation unit 111 generates the customer information 121 using the information about the lease contract input to the business terminal device 20. The customer information 121 is information in which, for each renter A, information relating to a lease contract such as a rent amount and a designated date of rent payment is associated, which will be described in detail later. The word “customer” is used to indicate the lessee A for convenience.

  The deposit detection unit 112 detects the payment of the rent to the bank by the lessee A. The deposit detecting unit 112 detects the deposit of the rent, for example, by periodically making an inquiry to the bank terminal device 30. When the rent is deposited, the deposit processing unit generates deposit history information 122, which will be described later, and stores it in the storage unit 120. The withdrawal processing unit 113 performs processing for transferring rent and the like to the account of the lessor B. The withdrawal processing unit 113 pays the rent to the lessor B on behalf of the lessor A in a predetermined case described later.

  The dunning information generation unit 114, when the planned payment amount to be paid to the lessor B is less than the deposit amount paid by the lessee A, information for identifying the lessee A and the deposit amount. The dunning information 123 that specifies the difference between the payment amount and the planned payment amount is generated.

  The storage unit 120 stores customer information 121, deposit history information 122, and dunning information 123.

  FIG. 3 is a diagram showing an example of the customer information 121. The customer information 121 is a customer number 121a of a renter A who is a party to a rental contract for a rent debt guaranteed by a rent guarantee company C, a name 121b, an address 121c, a designated rent payment date 121d, and a rent amount. 121e, management fee 121f, guarantee fee 121g, move-in date 121h, move-out date 121i, advance reimbursement clause FLG (flug: flag) 121j, advance reimbursement exercise FLG 121k, and lessor account 121m are associated with each other. Information. The customer information 121 is information that is generated in advance before the processing described below is started based on the conclusion or modification of the lease contract between the lessee A and the lessor B.

  The customer number 121a is identification information for identifying the lessee A, and the lessee A is uniquely determined for the customer number 121a. When the same lessee A has a plurality of lease contracts, different customer numbers 121a are set. In this sense, the customer number 121a can be said to be identification information for identifying the lease contract.

  The name 121b is the name of the lessee A. The address 121c is where the renter A is. The designated rent payment date 121d is the designated rent payment date of the rent to the lessor B, and if the rent is not paid and there is no balance on the date, the rent payment is treated as delayed. ..

  The rent amount 121e is the amount of rent determined in the lease contract. The management fee 121f is the management fee amount when there is an arrangement for payment of the management fee in the lease contract. The guarantee fee 121g is the amount of the guarantee fee paid to the rent guarantee company C from the lessee A, which is the contractor of the guarantee contract. Note that the rent, management fee, and guarantee fee are explained as being monthly, but the present invention is not limited to this.

  The moving-in date 121h is the date when the lessee A starts occupying the real estate. The move-out date 121i is the date when the lessee A ended the occupation of the real estate. The advance compensation clause FLG121j is information indicating whether or not the lessee A has consented to the fact that the rent guarantee company C is allowed to exercise the advance compensation right. The advance compensation exercising FLG 121k is information indicating whether or not the renter A has exercised the advance compensation right. The lessee account 121m is the bank account number of the lessee B. The advance reimbursement right will be described later.

  FIG. 4 is a diagram showing an example of the deposit history information 122. The payment history information 122 shows the payment date 122b, the payment amount 122c, the rent 122d, the management fee 122e, the guarantee fee 122f, the excess / deficiency 122g, the number of overdue days 122h, and the damage interest rate for the customer number 122a. The information 122i is associated with the damage amount 122j.

  The customer number 122a is identification information for identifying the lessee A, and corresponds to the customer number 121a of the customer information 121. The deposit date 122b is the date when the rent A was paid from the lessee A to the bank. The deposit amount 122c is the amount deposited on the deposit date 122b. The rent 122d is the amount of rent scheduled to be paid when the deposit history information 122 is created. If the rent is delinquent, the rent 122d stores an amount including the rent for the previous month that was delinquent.

  The management fee 122e is the amount of the management fee scheduled to be paid when the deposit history information 122 is created. The guarantee fee 122f is the amount of the guarantee fee that is scheduled to be paid when the deposit history information 122 is created. Note that the rent 122d, the management fee 122e, and the guarantee fee 122f are increased by a certain number of contract units (for example, one month) on a predetermined date, for example, the day after the designated rent payment date.

  The excess / deficiency 122g is the difference between the deposit amount, which is the amount deposited by the lessee A, and the estimated payment amount to be paid to the lessor B, and is the total amount of the rent 122d, the management fee 122e, and the guarantee fee 122f. Is an amount obtained by subtracting from the deposit amount 122c. The number of overdue days 122h is the number of days that the lessor A has overdue the deposit when there is an overdue payment, and the overdue and deficit 122g described later is multiplied by the negative i It is a value obtained by adding to 122 g.

  FIG. 5 is a diagram showing an example of the dunning information 123. The dunning information 123 is information in which the billing date 123b, the billing amount 123c, the compensation right exercise FLG 123d, the advance compensation right FLG 123e, and the subrogation payment date 123f are associated with the customer number 123a.

  The customer number 123a is identification information that identifies the lessee and corresponds to the customer number 121a of the customer information 121. The billing date 123b is the date when the dunning information 123 was presented to the lessee A. The billed amount 123c is the billed amount presented to the lessee A.

  The reimbursement right exercise FLG 123d is information indicating whether or not the reminder presented by presenting the reminder information 123 is due to the exercise of the reimbursement right. The advance reimbursement right FLG 123e is information indicating whether or not the reminder presented by presenting the reminder information 123 is due to the exercise of the advance reimbursement right. Whether the reminder is due to the exercise of the right to redeem or the right to redeem will be described in detail later. The subrogation repayment date 123f is information that specifies the date of subrogation repayment when the rent guarantee company C makes a subrogation repayment to the lessor B of the lease contract related to the customer number 123a.

  The description returns to FIG. The communication unit 130 transmits and receives information between the server device 10 and the business terminal device 20, and between the server device 10 and the bank terminal device 30. Further, the communication unit 130 may send and receive information to and from a terminal device (not shown) of the lessee A based on the input process from the business terminal device 20.

  The business terminal device 20 includes a communication unit 210. The communication unit 210 transmits / receives information to / from the server device 10. The bank terminal device 30 includes a communication unit 310. The communication unit 310 transmits / receives information to / from the server device 10.

  FIG. 6 is a diagram illustrating a hardware configuration example of the server device 10. The server device 10 includes a CPU (Central Processing Unit) 140, a RAM (Random Access Memory) 141, a nonvolatile storage 142, an output device 143, an input device 144, and a network I / F (Interface) 145. ..

  The CPU 140 is a central processing unit, and executes processing according to a program stored in the RAM 141 or the non-volatile storage 142. In the server device 10, processing is performed by the CPU 140 that operates according to the program read on the RAM 141 or the non-volatile storage 142.

  The RAM 141 is a storage device and functions as a storage area in which programs and data are temporarily read. The non-volatile storage 142 is used as a storage destination for programs and various data. The function of the storage unit 120 is realized by the RAM 141 or the non-volatile storage 142.

  The output device 143 is a display such as an LCD (Liquid Crystal Display) or a printer. The input device 144 is a device that receives an input operation from a user, and is a touch panel, a hardware button, or the like. The network I / F 145 is an interface for connecting the server device 10 to the network 40.

  The processing of each component of the server device 10 may be performed by one piece of hardware or a plurality of pieces of hardware. Further, the processing of each component of the server device 10 may be realized by one program or may be realized by a plurality of programs.

  The hardware configurations of the business terminal device 20 and the bank terminal device 30 are the same as those of the server device 10, and thus the description thereof is omitted.

  FIG. 7 is a flowchart showing an example of deposit appropriation processing in the server device 10. For example, when the server device 10 is activated, the process of this flowchart is started.

  First, the deposit detecting unit 112 detects deposit from the lessee A to the bank (step S11). In the information detected by the deposit detection unit 112, at least information identifying the lessee A, the deposit amount, and the deposit date are identified. The deposit detection unit 112 identifies the customer number 121a of the renter A in the customer information 121 by using the information identifying the renter A.

  Next, the deposit detection unit 112 applies the deposit amount in a predetermined order to the rent, management fee, and guarantee fee (step S12). The storage unit 120 has a predetermined allocation order, and the deposit detection unit 112 allocates the deposit amount according to the order.

  Next, the deposit detection unit 112 calculates the total amount of excess / deficiency and generates deposit history information 122 (step S13). The deposit detection unit 112 generates the deposit history information 122 with the deposit date identified in step S11 as the deposit date 122b and the deposit amount as the deposit amount 122c. Further, the deposit detection unit 112 uses the amounts of the rent, management fee, and guarantee fee allocated in step S12 to obtain the rent, management fee, and remaining amount of guarantee fee on the day, and the rent 122d and management fee, respectively. 122e and a guarantee fee 122f, and an excess / deficiency amount 122g is obtained.

  When the obtained surplus / deficit amount 122g is a negative value, the deposit detection unit 112 calculates the number of days past due 122h until that day, and calculates the loss amount 122j using the loss interest rate 122i. Then, the deposit detection unit 112 ends the process of this flowchart.

  According to this embodiment, the rent guarantee company can immediately recognize the payment of the rent of the lessee A. Further, since the deposit amount is appropriately applied, for example, even when the deposit amount is less than the rent amount, the delay damage amount can be appropriately calculated.

  FIG. 8 is a flowchart showing an example of the withdrawal process in the server device 10. This process is periodically executed in the server device 10, for example.

  First, the withdrawal processing unit 113 identifies the customer information that is the day after the designated rent payment date (step S21). The control unit 110 specifies the date to start this process by a known method, and the withdrawal processing unit 113 refers to the customer information 121 using the date, and the date is the day after the rent payment designation date 121d. The customer information 121 that is If there is no customer information 121 that is the day after the rent payment designation date, the withdrawal processing unit 113 ends the processing of this flowchart. The following processing is performed for each customer information 121, which is the day after the rent payment designation date.

  In addition, the reason why the next day of the designated rent payment date is used is that it is assumed that the rent is paid to the lessor B. The date used to specify the customer information may be any predetermined payment date to the lessor B, and is not limited to the day following the rent payment designation date.

  Next, the withdrawal processing unit 113 increases the rent, the management fee, and the guarantee fee to generate the deposit history information 122 (step S22). Specifically, the withdrawal processing unit 113 sets the rent amount 121e of the customer information 121, the management fee 121f, and the guarantee fee 121g to the rent 121d and the management fee 121e of the deposit history information 122 corresponding to the customer number 121a. The deposit history information 122 is generated by adding it to the guarantee fee 121f. Next, the withdrawal processing unit 113 subtracts the total amount of the rent 122d, the management fee 122e, and the guarantee fee 122f from the deposit amount 122c to calculate an excess / deficiency 122g. If the excess / deficiency 122g is a negative value, the withdrawal processing unit 113 calculates the loss 122j based on the number of days past due 122h and the loss interest rate 122i.

  Next, the withdrawal processing unit 113 determines whether or not the excess / deficiency 122g is 0 or more (step S23). If the withdrawal processing unit 113 does not determine that the excess / deficiency 122g is 0 or more (in the case of “NO” in step S23), the excess / deficiency 122g is a negative value, and thus the rent, etc. on the designated rent payment date. Assuming that the lessee A did not make a deposit corresponding to the planned expenditure amount including, the withdrawal processing unit 113 advances the processing to step S32 of the dunning information generation / output processing shown in FIG. The dunning information generation / output process will be described later.

  When the withdrawal processing unit 113 determines that the excess / deficiency amount 122g is 0 or more (in the case of “YES” in step S23), the withdrawal processing unit 113 directs the bank terminal device 30 to the lessor B. The withdrawal is instructed (step S24). Specifically, the lessor account 121m of the customer information 121 specified in step S21 is specified, and the total amount of the rent 122d and the management cost 122e is set as the planned expenditure amount, and is output to the bank terminal device 30 via the communication unit 130. Give money instructions.

  Next, the withdrawal processing unit 113 cancels the deposit amount 122c of the deposit history information 122, the rent 122d, the management fee 122e, and the guarantee fee 122f (step S25). Specifically, the rent 122d, the management cost 122e, and the guarantee fee 122f of the deposit history information 122 are set to 0, and the total amount of these is subtracted from the deposit amount 122c. The withdrawal processing unit 113 thereafter ends the processing of this flowchart.

  In this embodiment, the withdrawal process is performed on the day after the designated rent payment date, but the date when the withdrawal processing unit performs the withdrawal process is not limited to this. For example, when the rent is received from the lessee A before the designated date of rent payment, the withdrawal process may be performed subsequent to the above-described deposit appropriation process.

  FIG. 9 is a flowchart showing an example of the dunning information generation / output process. This process is periodically executed in the server device 10, for example. This process is performed for each record of the deposit history information 122. Therefore, the description will be made assuming that the target deposit history information 122 is specified before the start of the process.

  First, the dunning information generation unit 114 determines whether the excess or deficiency is negative (step S31). When the dunning information generation unit 114 does not determine that the excess / deficiency amount 122g of the deposit history information 122 is a negative value (in the case of “NO” in step S31), that is, it is determined that the excess / deficiency amount is 0 or more. In this case, the dunning information generation unit 114 ends the processing of this flowchart.

  When the dunning information generation unit 114 determines that the excess or deficiency is negative (“YES” in step S31), the subrogation payment determination unit 115 determines whether or not to perform subrogation payment (step S32). .. An expected payment date of the rent guarantee company C to the lessor B is stored in advance in an area (not shown) of the storage unit 120. The subrogation payment determination unit 115 does not determine to perform subrogation payment when the scheduled subrogation payment date (scheduled payment date for the current month) of the rent guarantee company C is after the designated rent payment date. If the excess or deficiency is negative, the withdrawal processing unit has not performed withdrawal processing for the planned payment amount that occurred before the designated date of rent payment.

  When the subrogation payment determination unit 115 does not determine to perform the subrogation payment (“NO” in step S32), the dunning information generation unit 114 determines whether or not the pre-reimbursement clause FLG is “informed consent”. Is determined (step S33). The dunning information generation unit 114 refers to the advance reimbursement clause FLG 121j of the customer information 121 corresponding to the deposit history information 122 and the customer number 122a identified before the start of this processing, and the lessee A is allowed to exercise the advance reimbursement right. To determine whether or not there is consent.

  The advance reimbursement right is a reimbursement right that can be exercised in advance by the guarantor, in the case prescribed by law, when the guarantor has entrusted the guarantee to the main debtor (Article 460 of the Civil Code). ). In the present embodiment, as described with reference to FIG. 1, the rent guarantee company C is entrusted by the lessee A, which is the main debtor, to provide the guarantee. Therefore, in the present embodiment, when the lessee A agrees to exercise the advance reimbursement right, there is no payment from the lessee A before the rent payment designation date, which is the payment period of the debt, and the rent guarantee company C is the creditor. If the subrogation payment has not been made for the rent guarantee company C, that is, if the subrogation payment date of the rent guarantee company C is after the rent payment designation date, the prepaid right is exercised for the lessee A.

  If the dunning information generation unit 114 does not determine that the advance reimbursement clause FLG is information indicating "agreement" (in the case of "NO" in step S33), the dunning information generation unit 114 ends the process of this flowchart.

  When the dunning information generation unit 114 determines that the advance reimbursement clause FLG is information indicating "agreement" (in the case of "YES" in step S33), the dunning information generation unit 114 sets the advance reimbursement right exercise FLG to " Yes ”, and the dunning information 123 is generated using the excess / deficiency amount (step S34). Specifically, the dunning information generation unit 114 makes the advance compensation request FLG 121k of the customer information 121 information indicating that the advance compensation right has been exercised. Further, the dunning information generation unit 114 sets the customer number 122a related to the deposit history information 122 to the customer number 123a, the date to the billing date 123b, the surplus / deficiency 122g to the billing amount 123d, and the advance compensation right exercise FLG 123e in advance. The dunning information 123 is generated by associating the information with the information indicating that the reimbursement right has been exercised. It should be noted that the FLG 123d exercising restitution rights is information indicating that recourse rights are not being exercised, and nothing is stored in the subrogation payment date 123f.

  Next, the dunning information generation unit 114 outputs the dunning information 123 (step S35). The dunning information generation unit 114 outputs the dunning information 123 generated in step S34 to the business terminal device 20 via the communication unit 130. The output dunning information 123 is displayed on the display of the business terminal device 20. Alternatively, it is printed on a paper medium via a printer connected to the business terminal device 20. The dunning information generation unit 114 may output the dunning information 123 to the output device 143 included in the server device 10. The dunning information generation unit 114 thereafter ends the processing of this flowchart.

  In step S32, when the subrogation payment determination unit 115 determines to perform subrogation payment (in the case of “YES” in step S32), the withdrawal processing unit 113 makes subrogation payment to the lessor account (step S36). The withdrawal processing unit 113 identifies the lessor account 121m in the customer information 121 corresponding to the deposit history information 122, and pays the excess / deficiency 122g of the deposit history information 122.

  Next, the dunning information generation unit 114 sets the compensation right exercising FLG to “present” and generates the dunning information 123 using the excess / deficiency amount (step S37). Specifically, the dunning information generation unit 114 sets the customer number 122a relating to the deposit history information 122 to the customer number 123a, the date to the billing date 123b, the excess / deficiency 122g to the billing amount 123d, and the compensation right exercise FLG 123d. The information indicating that the reimbursement right has been exercised is used, and the date is associated with the subrogation payment date 123f to generate the dunning information 123. Note that the FLG 123d for exercising advance reimbursement rights is information indicating that pre-repair rights are not being exercised.

  Next, the dunning information generation unit 114 outputs the dunning information 123 (step S38). The process performed in step S38 is similar to the process performed in step S35. After that, the dunning information generation unit 114 ends the processing of this flowchart.

  When paying the lessee A on the basis of the dunning information 123, it is preferable to notify the lessee A of the request in advance and afterwards. Therefore, the dunning information generation unit 114 may create a notification including the dunning information 123 and information specifying the excess / deficiency amount and the lessee A. The created notification is output together with the dunning information 123.

  According to the present embodiment, even when the guarantee based on the guarantee contract is performed due to the shortage of the deposit amount, it is possible to appropriately perform the dunning by detecting the delay of deposit in real time. As a result, the processing associated with the guarantee contract can be efficiently performed. Even if subrogation payment is not made due to the circumstances of the guarantor company, the indemnification right can be exercised for the obligor, so that appropriate reminder can be made without waiting for the subrogation payment date. ..

  Although the respective embodiments according to the present invention have been described above, the present invention is not limited to the examples of the above-described embodiments, and various modifications are included. For example, one example of the above-described embodiment is described in detail for making the present invention easy to understand, and the present invention is not limited to one including all the configurations described herein. Further, it is possible to replace a part of the configuration of one example of an embodiment with the configuration of another example. Further, it is possible to add another example configuration to the example configuration of an embodiment. Further, with respect to a part of the configuration of the example of each embodiment, other configurations may be added, deleted, or replaced. Further, the above-described respective configurations, functions, processing units, processing means, etc. may be realized by hardware by designing a part or all of them, for example, with an integrated circuit. Further, the control lines and information lines in the figure show those considered to be necessary for explanation, and not all are shown. It may be considered that almost all configurations are connected to each other.

  For example, the above-described embodiment has been described by using the process associated with the rent guarantee, but the service provided using this system is not limited to the rent guarantee. For example, the technology according to the present embodiment can be applied to a system used in a service that guarantees a debt that occurs regularly, such as an account receivable guarantee service.

  1: Warranty contract processing system, 10: Server device, 20: Business terminal device, 30: Bank terminal device, 40: Network, 110: Control unit, 111: Customer information generation unit, 112: Deposit detection unit, 113: Withdrawal Money processing unit, 114: Dunning information generation unit, 115: Subrogation payment determination unit, 120: Storage unit, 121: Customer information, 122: Deposit history information, 123: Dunning information, 130: Communication unit, 140: CPU, 141: RAM, 142: Non-volatile storage, 143: Output device, 144: Input device, 145: Network I / F, 210: Communication unit, 310: Communication unit

Claims (7)

A guarantee contract processing device for a contract that guarantees a debt that occurs on a regular basis,
The customer information in which the information on the debt guaranteed in the contract, the debtor , and flag information indicating the intention of the debtor regarding the contract are associated, and the deposit amount by the debtor and the expected payment amount to the creditor are included. A storage unit for storing the deposit history information,
A deposit detection unit that detects deposit from the debtor based on information acquired from a financial institution terminal device that is communicatively connected and generates the deposit history information,
The financial institution that identifies the debt repayment date to the creditor that occurs on a regular basis and uses the money deposited by the debtor to regularly repay the money related to the debt to the account of the creditor. Withdrawal processing unit for outputting instructions to the terminal device,
And a dunning information generation unit for determining whether to exercise a pre-claim right for the debtor,
The dunning information generation unit exercises the advance reimbursement right when the payment amount is less than the planned payment amount and the debt repayment date is not reached and the flag information satisfies a predetermined condition. Then , the guarantee contract processing device is characterized by generating dunning information including information indicating that the dunning is based on the advance reimbursement right . The guarantee contract processing device according to claim 1,
For the debt whose deposit amount on the debt repayment date is less than the planned payment amount, a subrogation repayment determination unit that determines whether or not the withdrawal processing unit repudiates the debt by using the debt repayment date. Prepare,
The withdrawal processing unit, when the subrogation payment determination unit determines to perform subrogation, directs the financial institution terminal device to substituting money relating to the debt to the account of the creditor,
The guarantee contract processing device, wherein the dunning information generation unit generates the dunning information including information indicating that it is a dunning based on the right of reimbursement when the subrogation payment determining unit determines that the subrogation payment is completed. The warranty contract processing device according to claim 2,
The subrogation repayment determination unit occurs when the scheduled subrogation repayment date of the debt guarantee company that concludes the contract is after the debt repayment date and before the withdrawal processing unit has the debt repayment date. A guarantee contract processing device, wherein when the money is not paid for the planned payment amount, it is not determined that subrogation is paid. The guarantee contract processing device according to any one of claims 1 to 3 ,
The financial institution has a communication unit connected via a network to a business terminal having the financial institution terminal device and an output device,
The deposit detection unit detects deposit using a notification from the financial institution terminal device,
The guarantee contract processing device, wherein the communication unit transmits the dunning information to the business terminal. A guarantee contract processing method using a guarantee contract processing device pertaining to a contract that guarantees a debt that occurs on a regular basis,
The guarantee contract processing device includes a storage unit, a deposit detection unit, a withdrawal processing unit, and a dunning information generation unit,
The storage unit associates information about the debt guaranteed in the contract, a debtor, and customer information in association with flag information indicating the intention of the debtor with respect to the contract, the deposit amount by the debtor, and payment to the creditor. The payment history information including the estimated amount is stored,
The deposit detection unit executes the deposit detection step of generating the payment history information detects the deposit from the debtor based on the information obtained from the financial institution terminal device communicably connected,
The withdrawal processing unit identifies a debt repayment date to the obligor that occurs regularly, and uses the money deposited from the obligor to periodically issue money relating to the debt to the account of the obligor. To execute a withdrawal processing step for outputting an instruction to the financial institution terminal device to make payment
The dunning information generation unit executes a dunning information generation step of determining whether to exercise a pre-claim right for the obligor,
In the dunning information generation step, the advance reimbursement right is exercised for the debt whose deposit amount is less than the planned payment amount, when the debt repayment date is not reached and the flag information satisfies a predetermined condition. Then , the guarantee contract processing method is characterized in that the dunning information including information indicating that the dunning is based on the advance reimbursement right is generated . A program that causes a computer to perform processing related to a contract that guarantees a debt that occurs regularly,
Causing the computer to function as storage means and control means,
The storage means associates information about the debt guaranteed in the contract, a debtor, and customer information associated with flag information indicating the intention of the debtor with respect to the contract, a deposit amount by the debtor, and payment to the creditor. The payment history information including the estimated amount is stored,
With respect to the control means,
A deposit detection step of generating the payment history information detects the deposit from the debtor based on the information obtained from the financial institution terminal device communicably connected,
The financial institution that identifies the debt repayment date to the creditor that occurs on a regular basis and uses the money deposited by the debtor to regularly repay the money related to the debt to the account of the creditor. A withdrawal processing step of outputting an instruction to the terminal device,
A dunning information generation step of determining whether or not to exercise a pre-claim right for the debtor ;
In the dunning information generation step, the advance reimbursement right is exercised for the debt whose deposit amount is less than the planned payment amount, when the debt repayment date is not reached and the flag information satisfies a predetermined condition. Then , the program is characterized in that the dunning information including information indicating that the dunning is based on the advance reimbursement right is generated . A guarantee contract processing system relating to a contract that guarantees a debt that occurs on a regular basis,
The guarantee contract processing system has a financial institution terminal device and a guarantee contract processing device,
The financial institution terminal device,
It has a communication unit that notifies the guarantee contract processing device of payment from the debtor and receives an instruction from the guarantee contract processing device to deposit money relating to the debt into the account of the creditor.
The guarantee contract processing device is
Information relating to the debt to guarantee in the contract, and the customer information associated with the debtor, and the flag information that indicates the intention of the debtor relating to the contract, and payment schedule amount for the deposit amount to the creditor by the debtor A storage unit for storing payment history information including
A deposit detection unit that detects a deposit from the obligor based on a notification from the financial institution terminal device and generates the deposit history information;
The financial institution that identifies the debt repayment date to the creditor that occurs on a regular basis and uses the money deposited by the debtor to regularly repay the money related to the debt to the account of the creditor. Withdrawal processing unit for outputting instructions to the terminal device,
And a dunning information generation unit for determining whether to exercise a pre-claim right for the debtor ,
The dunning information generation unit exercises the advance reimbursement right when the payment amount is less than the planned payment amount and the debt repayment date is not reached and the flag information satisfies a predetermined condition. Then , the guarantee contract processing system is characterized by generating dunning information including information indicating that the dunning is based on the advance reimbursement right .

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