JP6804506B2 - Transaction investigation / seizure support system - Google Patents

Description

The present invention relates to a technique for supporting the seizure of a claim against a tax delinquent of an administrative agency.

The administrative agency may finally seize the property of the delinquent who does not fulfill the obligation to pay tax and public money after receiving a notice such as a reminder or a notification. However, seizure between an administrative institution and a financial institution is complicated and requires human costs (see Patent Document 1). On the other hand, Patent Document 1 proposes a system in which an administrative institution and a financial institution are connected by a network in order to eliminate such complexity.

Patent No. 5692586

Examples of seizures against delinquents include investigating delinquent transactions with financial institutions and executing delinquent property seizures against financial institutions. Patent Document 1 aims to save labor by mediating and aggregating requests and their results, but does not describe a specific mechanism for each actual work on the administrative institution side and the financial institution side.

For example, with respect to the cooperation between transaction investigation and seizure and the actual work of seizure performed by financial institutions, Patent Document 1 cannot grasp how it contributes to reducing the burden, so it makes a "request". It is difficult to contribute to actual work just because it was done electronically. In particular, although Patent Document 1 suggests cooperation with the core system of a financial institution, the specific mechanism is not clear only by the suggestion. In addition, since the core system of a financial institution manages including suspension of transactions of personal deposits, the level of information confidentiality and availability for the core system is extremely high. For this reason, the actual situation is that cooperation with the core system is not realistic, or even if it is feasible, considerable ingenuity and cost are required.

For this reason, Patent Document 1 does not describe a mechanism for transmitting seizure information to a financial institution, but reducing the burden of actual work of seizure execution on the financial institution side. In addition, it is said that "reduction of the administrative burden on the seizure process" will be made, but as mentioned above, if the "request" and "result" of the seizure are only electronically delivered, the financial institution will seize. It is hard to say that the burden of actual execution work has been reduced.

The financial institution side must carry out the transaction investigation business based on the transaction investigation request from the administrative agency and the seizure business based on the service of the seizure record in accordance with the legal procedure. In the practice of such transaction investigation and seizure, the work burden on the financial institution side becomes a bottleneck, so it is necessary to consider reducing the burden on the financial institution side from the viewpoint of the administrative institution side.

Therefore, the present invention provides a transaction investigation / seizure support system that can reduce the burden of seizure practice on the administrative and financial institutions side by providing a seizure reservation function on the premise of transaction investigation. The purpose.

(1) The transaction investigation / seizure support system of the present invention receives a transaction investigation request for a delinquent from an administrative agency, provides a transaction investigation request to a financial institution, and receives a transaction investigation result for the transaction investigation request from a financial institution. A survey control unit that provides transaction survey results to government agencies and stores the transaction survey results in a predetermined storage area, and seizures sent by government agencies when creating seizure records for delinquents or sending seizure records to financial institutions. A predetermined format for cooperation between the seizure control unit that accepts reservation requests, extracts the transaction survey results of the relevant delinquents, and generates seizure reservation data, and the core system that manages deposits and withdrawals of trading accounts at financial institutions. It has a data processing unit that converts the seizure reservation data into and generates seizure preparation registration information for registering the seizure execution action by the core system as a preliminary preparation based on the seizure reservation before receiving the seizure record . Then, the seizure control unit provides the seizure preparation registration information to the financial institution, receives the seizure preparation completion notification based on the seizure preparation registration information , provides the administrative agency with the seizure reservation completion notification, and administers based on the seizure reservation. It is characterized by accepting the seizure result, which is the result of the seizure execution action based on the seizure preparation registration information accompanying the receipt of the seizure record sent from the institution, from the financial institution and providing the seizure result to the administrative agency.

(2) In (1) above, the investigation control unit receives the transaction investigation request from the user terminal of the administrative agency that manages the delinquency of tax and public money, and the transaction investigation result from the employee terminal of the financial institution. It can be provided with a control unit on the financial institution side that receives the information. Further, the seizure control unit receives the seizure reservation request from the user terminal, extracts the transaction investigation result of the designated delinquent from the predetermined storage area, and generates the seizure reservation data, and the seizure control unit. It is possible to provide the financial institution side seizure control for transmitting the preparation registration information to the bank employee terminal and receiving the seizure result from the bank employee terminal.

(3) In the above (1) or (2), one or more survey requesting financial institutions that make transaction survey requests for each administrative agency shall be configured to hold the requested financial institution setting information set in advance. Can be done. At this time, when the investigation control unit receives the transaction investigation request, it automatically extracts the investigation request destination financial institution of the corresponding administrative institution by referring to the request destination financial institution setting information, and the extracted investigation request destination finance. A transaction investigation request can be provided to an institution. Here, the request destination financial institution setting information can be configured to include a financial institution having a residence in an area under the jurisdiction of the administrative institution.

(4) In (1) or (2) above, when the investigation control department receives a transaction investigation request, it uses the financial institution information including the address or whereabouts of the financial institution to determine the jurisdiction of the administrative institution or the delinquent. It can be configured to automatically extract financial institutions within a predetermined range for an address and provide a transaction investigation request to the extracted financial institution to which the investigation is requested.

(5) The program of the present invention is a program executed by a computer that provides a transaction investigation / seizure support function, receives a transaction investigation request from an administrative agency to a delinquent, and provides a transaction investigation request to a financial institution. The first function of accepting transaction survey results for transaction survey requests from financial institutions, providing the transaction survey results to government agencies, and storing the transaction survey results in a predetermined storage area, and creating seizure records for delinquents or to financial institutions The second function of accepting the seizure reservation request sent from the government agency when sending the seizure record, extracting the transaction investigation result of the corresponding delinquent and generating the seizure reservation data, and managing the deposit and withdrawal of the trading account at the financial institution Foreclosure preparation registration information for converting seizure reservation data into a predetermined format for cooperation with the core system to register the seizure execution action by the core system as advance preparation based on the seizure reservation before receiving the seizure record. The third function of generating the above-mentioned computer is realized. Furthermore, the above-mentioned second function provides the seizure preparation registration information to the financial institution, receives the seizure preparation completion notification based on the seizure preparation registration information , provides the administrative agency with the seizure reservation completion notification, and administers based on the seizure reservation. The financial institution accepts the seizure result, which is the result of the seizure execution action based on the seizure preparation registration information accompanying the receipt of the seizure record sent from the institution, and provides the seizure result to the administrative agency.

(6) The seizure support system of the present invention has a storage unit that stores transaction survey results provided by a financial institution that has received a transaction survey request for a delinquent from an administrative agency, and prepares a seizure record for the delinquent or sends it to a financial institution. The seizure control unit that accepts the seizure reservation request sent from the administrative agency when sending the seizure record, extracts the transaction investigation result of the relevant delinquent from the storage unit, and generates the seizure reservation data, and the trading account at the financial institution. To convert the seizure reservation data into a predetermined format for cooperation with the core system that manages deposits and withdrawals, and to register the seizure execution action by the core system as a preliminary preparation based on the seizure reservation before receiving the seizure record . It has a data processing unit that generates seizure preparation registration information. Then, the seizure control unit provides the seizure preparation registration information to the financial institution, receives the seizure preparation completion notification based on the seizure preparation registration information , provides the administrative agency with the seizure reservation completion notification, and administers based on the seizure reservation. It is characterized by accepting the seizure result, which is the result of the seizure execution action based on the seizure preparation registration information accompanying the receipt of the seizure record sent from the institution, from the financial institution and providing the seizure result to the administrative agency.

According to the present invention, the seizure work is managed in a straightforward manner from the transaction investigation to the seizure, and the history management is centrally managed. Therefore, it is possible to suppress work omissions and perform smooth seizure work that is not affected by work experience.

In particular, the administrative agency can send the seizure record based on the seizure reservation. For example, since the seizure reservation is transmitted to the financial institution in advance, if the seizure record is mailed, the seizure work will be completed and the work burden will be reduced. To do. In addition, on the financial institution side, since this system provides the seizure preparation registration information for registering the seizure execution action by the core system, it is possible to standardize the seizure preparation work and before receiving the seizure record. Advance preparations can be made by making a seizure reservation, and the work load when receiving the seizure record can be reduced (distributed).

It is a system outline diagram of the transaction investigation / seizure support system of the first embodiment. It is a functional block diagram of the support device of 1st Embodiment. It is a functional explanatory diagram of the transaction investigation request of 1st Embodiment. It is a figure which shows an example of the request destination financial institution setting information of the transaction investigation of 1st Embodiment. It is a function explanatory diagram of the transaction investigation of 1st Embodiment and provision of the investigation result. It is explanatory drawing of the seizure reservation function of 1st Embodiment. It is explanatory drawing of the seizure execution of the 1st Embodiment. It is a figure which shows the processing flow of the transaction investigation / seizure support system of 1st Embodiment. It is a figure for demonstrating the network structure of the transaction investigation / seizure support system of 1st Embodiment.

Hereinafter, embodiments will be described with reference to the drawings.

(First Embodiment)
1 to 9 are diagrams showing the first embodiment. FIG. 1 is a system schematic diagram of the transaction investigation / seizure support system of the present embodiment. The transaction investigation / seizure support system has a support device 100, and provides a transaction investigation function and a seizure function between an administrative institution and a financial institution. In addition to local governments, administrative agencies include tax offices, police / prosecutors, courts, and pension offices.

The user terminal 300 is a computer device operated by an employee of an administrative agency, and can be connected to the support device 100 via a predetermined network. On the other hand, the user terminal 300 includes a core business system (a computer system unique to an administrative agency or a computer system shared by a plurality of administrative agencies) 310 and a dedicated line (in addition to a physical dedicated network, VPN, etc.) Can be connected via a virtual dedicated network). The user terminal 300 can be divided into a computer terminal that can be connected to the support device 100 and a computer terminal that can be connected to the mission-critical business system 310, and the user terminal 300 that connects to the support device 100 can be configured. , It is not always necessary to be able to directly connect to the mission-critical business system 310.

The core business system 310 includes personal information such as the name, date of birth, and address of residents (who have a resident card) residing in the area under their jurisdiction, and the payment status of tax and public money such as local taxes, insurance premiums, and utility charges, that is, Manage delinquency status. The user terminal 300 can access the mission-critical business system 310 to search and extract delinquents. The mission-critical business system 310 can generate various information for the searched delinquents and output them in a predetermined data format (CSV format, TXT format, table format, etc.).

The support device 100 has a transaction investigation function of providing a transaction investigation request of an administrative institution to a financial institution and providing a transaction investigation result provided by the financial institution to the administrative institution. The staff of the administrative agency accesses the support device 100 through the user terminal 300 and registers the transaction investigation request. The support device 100 transmits a transaction survey request registered with one or more financial institutions, receives the transaction survey results provided by each financial institution, and links the transaction survey request with the transaction survey result. Register as transaction survey data. The support device 100 provides the registered transaction investigation result to the administrative agency. The support device 100 can be provided with a function of accepting a transaction survey request on paper (paper medium). For example, the operating company that operates the support device 100 receives the transaction survey request on paper, generates the transaction survey request data manually by the OCR device (optical character recognition device) or manually, and registers it in the support device 100. You may.

On the financial institution side, a system environment including a bank employee terminal 500 and a core system 510 is constructed. The employee terminal 500 can be divided into a computer terminal that can be connected to the support device 100 and a computer terminal that can be connected to the core system 510, and the employee terminal 500 that connects to the support device 100 is not necessarily the backbone. It does not have to be possible to have a direct connection to the system 510. The core system 510 is a computer system that manages the entire transaction business such as a transaction account and transaction history. For example, the core system 510 can perform fund transfer processing such as suspension of transactions of property such as deposits of delinquents due to seizure, transfer from delinquents' account to an account of an administrative agency, transfer, and withdrawal. The core system 510 performs various processes by operating from the employee terminal 500 or by directly inputting an operation command.

The bank employee acquires a survey request from the support device 100 via the bank employee terminal 500, and performs an inquiry process to the core system 510. The result of the inquiry process is output from the core system 510 to the employee terminal 500, and is provided from the employee terminal 500 to the support device 100. The support device 100 transmits the survey result to the administrative agency that requested the transaction survey. The core system 510 is a core banking system that manages transaction execution such as transaction suspension and fund transfer of a trading account, and an information system that inquires and outputs information managed by the core banking system. It may be configured. In this case, the inquiry to the core system 510 for the survey request and the output of the survey result can be performed through the information system. Further, since the seizure preparation process and the seizure execution, which will be described later, need to be executed in the core banking system, various processes for the core banking system are performed via the information system, the bank employee terminal 500, or the dedicated terminal of the core banking system. It can be performed.

In some cases, an environment in which a government agency and a financial institution can communicate data with each other via a dedicated network has been established in advance. In this case, the support device 100 is configured to be connectable to a dedicated network, various information output from the government agency and the financial institution is received through the dedicated network, and various information to the government agency and the financial institution is transmitted through the dedicated network. Will be done. In addition, the support device 100 directly exchanges information with the government agency and the financial institution through a predetermined network, and the support device 100 provides (transmits) the information to the government agency and the financial institution through the dedicated network. The network configuration among the three parties is arbitrary.

The support device 100 supports the seizure of delinquents from the administrative institution to the financial institution based on the transaction investigation data accumulated by the transaction investigation function, and also provides a function of supporting the seizure work on the financial institution side. In particular, the seizure work on the financial institution side must be performed in real time when the seizure record is served, but it imposes a heavy administrative burden. Therefore, in the present embodiment, support is provided through a "seizure reservation" function that utilizes the accumulated transaction survey data.

The staff can access the support device 100 and make a seizure reservation based on the transaction investigation result. Specifically, the accumulated transaction survey data is searched, the transaction survey result of the corresponding delinquent is extracted, and the seizure reservation is created and registered from the extracted transaction survey result (transaction survey data). The registered seizure reservation is notified to the financial institution side, and the seizure reservation information is transmitted to the financial institution through the bank employee terminal 500. The bank employee accesses the core system 510 via the bank employee terminal 500, and according to the transaction processing provided by the core system 510, the delinquent person's transaction suspension reservation using the seizure reservation (subsequent fund transfer processing as necessary) (May be included) Perform seizure preparation registration.

When registering a seizure reservation, the staff prepares a seizure record and serves it to the financial institution (regardless of the context of the registration of the seizure reservation and the preparation of the seizure record). The means of delivery include delivery by paper media or reception at the counter by visiting a financial institution. Therefore, there is a time lag between the receipt of the seizure reservation and the receipt of the seizure record, and the seizure reservation arrives at the financial institution before the seizure record. The preceding seizure reservation allows the seizure preparation process to be performed before the seizure record is received.

The seizure record includes the name, address (or whereabouts) of the delinquent, tax items related to the seizure, the year, the payment deadline and the payment amount (delinquent amount), and the location of the seized property (financial institution and account information). It will be a trigger for formal seizure work on the financial institution side. Since the seizure cannot be executed without the seizure record, when the financial institution receives the seizure record, it confirms the contents of the seizure record and extracts and collates the transaction information of the person to be seized.

However, in the present embodiment, since the financial institution receives the seizure reservation in advance and the seizure preparation registration for the core system 510 is performed before the receipt of the seizure record, the bank employee is triggered by the receipt of the seizure record. , The content of the seizure preparation registration based on the seizure reservation can be collated with the received seizure record to execute the seizure. The transaction of the account of the seizure target person collated in this way is suspended, but since the seizure preparation registration based on the seizure reservation is performed in advance for the core system 510, only the seizure process (seizure transaction) registered in the reservation is executed. , Transaction suspension and various processing of fund transfer can be performed smoothly. The suspension of transactions is a process of freezing the transfer of funds, and is a process of freezing the transfer of deposits and withdrawals or withdrawals (deposits are possible).

The result of the suspension of transactions based on the collation result of the seizure record and the seizure reservation is provided to the support device 100 as the seizure result. The bank employee operates the bank employee terminal 500 to freeze the transfer of funds of the delinquent to the core system 510, and seizes the amount of the claim (the amount delinquent) based on the seizure record. At this time, payment from the obligor to the seizure target to the creditor's administrative agency will be made immediately due to the suspension of transactions, or will be made at a later date after undergoing prescribed procedures within the financial institution and procedures to the court. It may be damaged. Therefore, the seizure result is the seizure result that accompanies the suspension of transactions and the transfer of funds, and the result of the seizure of the amount of claims (the amount that is in arrears) of the seizure record including the suspension of transactions, although the actual payment (transfer of funds) is later. .. Further, if there is a time lag between the suspension of transactions and the actual payment, the support device 100 may be configured to be notified as an individual seizure result when the payment is made. The seizure result transmitted from the bank employee terminal 500 to the support device 100 is provided to the administrative agency (user terminal 300).

FIG. 2 is a functional block diagram of the support device 100 of the present embodiment. The support device 100 includes a communication device 110, a control device 120, and a storage device 130. The communication device 110 controls each communication with respect to the user terminal 300 and the employee terminal 500. The control device 120 includes an investigation control unit 121, a data processing unit 122, and a seizure control unit 123. The investigation control unit 121 includes a user-side control unit 121A that controls the user interface on the administrative agency side, and a financial institution-side control unit 121B that controls the user interface on the financial institution side.

The data processing unit 122 performs data conversion processing for mutually converting the data content and data format created by the administrative agency side and the data content and data format on the financial institution side. For example, data conversion such as file format conversion for converting CSV format to text format, rearrangement of arrangement order of data items of data contents, conversion of character and numerical attributes, and correction of notation fluctuation is performed. With this configuration, it is possible to perform data linkage that can be mutually imported with respect to the data output by the core business system 310 and the core system 510. Even when the support device 100 is not directly connected to the core business system 310 and the core system 510, the support device 100 is indirectly incorporated into the core business system 310 and the core system 510 from the user terminal 300 and the employee terminal 500. Even in that case, it can be done smoothly.

The data processing unit 122 provides each information such as a transaction investigation request provided by an administrative agency, a transaction investigation result provided by a financial institution, a seizure reservation provided by an administrative agency, and a seizure result provided by a financial institution. Performs the process of converting to the file format or data format specified by the acquirer.

The user-side control unit 121A of the survey control unit 121 controls the upload of the transaction survey request created by the staff through the core business system 310 and the operation input through the predetermined screen, and receives the transaction survey request. The received transaction investigation request is given a unique transaction investigation ID and is stored (registered) in the storage device 130. When the transaction investigation request is registered, the investigation control unit 121 controls the employee terminal 500 so that the employee terminal 500 can acquire the data of the transaction investigation request from the support device 100. Further, when the transaction survey result corresponding to the transaction survey request is registered by the financial institution, the user side control unit 121A notifies the user terminal 300 and acquires the transaction survey result data from the support device 100 for the user terminal 300. Control so that At this time, the data processing unit 122 converts the data into data that can be imported by each of the core business systems 310 and 510 and provides the data.

Similarly, the financial institution side control unit 121B of the survey control unit 121 controls uploading of the transaction survey result created through the core system 510 and operation input through a predetermined screen, and receives the transaction survey result. The received transaction survey result is stored (registered) in the storage device 130 in association with the transaction survey ID of the corresponding transaction survey request. When the transaction survey result is registered, the survey control unit 121 controls the user terminal 300 so that the user terminal 300 can acquire the data of the transaction survey result from the support device 100. Also at this time, the data processing unit 122 converts the data into data that can be imported by the core business system 310 and provides the data. In the storage device 130 of the support device 100, transaction survey data in which the request for the transaction survey and the result are linked is stored.

The seizure control unit 123 includes a user-side seizure control unit 123A that controls the user interface on the administrative agency side, and a financial institution-side seizure control unit 123B that controls the user interface on the financial institution side.

The user-side seizure control unit 123A utilizes the transaction survey data stored in the storage device 130 to control the staff so that the seizure reservation can be generated on a predetermined screen and transmitted to the financial institution through the user terminal 300. Further, when the seizure result corresponding to the seizure reservation is registered by the financial institution, the seizure control unit 123 can notify the user terminal 300 and acquire the seizure result data from the support device 100 for the user terminal 300. To control. The data processing unit 122 converts the seizure result provided by the financial institution into data that can be captured by the core system 310.

The financial institution side seizure control unit 123B controls so that the data of the seizure reservation created through the support device 100 can be acquired. Upon receiving the registration notification of the seizure reservation, the bank employee terminal 500 can access the support device 100 and perform an operation of acquiring the seizure preparation registration information from a predetermined screen. The financial institution side seizure control unit 123B controls the download (transmission) of the seizure preparation registration information to the bank employee terminal 500, and receives a notification from the bank employee terminal 500 that the seizure preparation registration setting on the financial institution side is completed. be able to.

Even if the seizure preparation registration information is not downloaded, the bank employee can perform the seizure preparation registration in the core system 510 while viewing the seizure preparation registration information through the bank employee terminal 500. In this case as well, the bank employee can send a notification to the support device 100 that the seizure preparation registration setting is completed through the bank employee terminal 500.

Further, the financial institution side seizure control unit 123B controls uploading of the seizure result created through the core system 510 and operation input through a predetermined screen, and receives the seizure result, similarly to the user side seizure control unit 123A.

<Transaction survey support function>
3 to 5 are diagrams showing a transaction investigation support function. FIG. 3 is a functional explanatory diagram of the transaction survey request. First, the staff accesses the core business system 310 from the user terminal 300, and searches and extracts the target person for conducting the transaction survey. The core business system 310 generates transaction survey target person data including a target person ID, a kanji name, a kana name, a date of birth, an address, etc., and outputs the data to the user terminal 300.

The staff accesses the support device 100 from the user terminal 300 and registers the transaction survey target person acquired from the core business system 310. As a registration method, for example, as shown in the example of FIG. 3, the user-side control device 121A displays the survey target registration screen on the user terminal 300, selects transaction survey target data (registration file), and survey target person. Control so that direct input of is possible. In the file selection, the transaction survey target person data extracted from the core business system 310 can be selected and uploaded to the support device 100. In the direct input of the survey target person, for example, an input form such as the target person ID, the kanji name, the kanji name, the date of birth, and the address is displayed on the user terminal 300, and the staff member displays the survey target person's kanji name and kana in the input form. By inputting the name, date of birth, address, etc., it is possible to control the registration of the person to be investigated.

Next, the staff creates a survey request based on the registered transaction survey target person data. First, the staff selects the registered transaction survey target person data on the request target selection screen. For the selected transaction survey target data, the staff specifies one or more financial institutions to request the survey on the survey request creation screen, and the transaction linking the transaction survey target data with the financial institution requesting the survey. Create survey request data. As a result, the administrative agency can request the financial institution to investigate the transaction of the delinquent.

When the create button is selected on the survey request creation screen, the survey control unit 121 creates transaction survey request data that links the transaction survey target data with the financial institution requesting the survey, and stores the transaction survey request data. In addition to storing (registering) in the device 130, the registration of the survey request triggers the designated financial institution to notify the designated financial institution of the survey request. The survey control unit 121 controls the bank employee terminal 500 so that the transaction survey request data can be acquired in accordance with the notification process.

FIG. 4 is a diagram showing an example of setting information of the financial institution to which the survey is requested. The setting information narrows down financial institutions and their branches in advance for each administrative institution, and automatically sets financial institutions and their branches that match the regional characteristics of the administrative institution without having to specify it on the administrative institution side. .. For example, if a branch of a financial institution that has a residence in an area under the jurisdiction of an administrative institution is set in advance and the administrative institution is in XX city, the □□ financial institution's △△ branch in that area and the XX financial institution's △ □ Branch offices can be configured to automatically set survey requests. It is also possible to set up a financial institution that has a place of residence beyond the area under the jurisdiction of the administrative agency. For example, it is possible to set a financial institution that has a residence in an adjacent administrative institution, or to set a financial institution based on the relationship between financial institutions (partnership, city bank, regional bank, credit union, etc.). it can.

Therefore, when one or more survey requesting financial institutions that make transaction survey requests for each administrative institution use the request destination financial institution setting information set, the survey control unit 121 receives the transaction survey request, and the request destination finance It is possible to automatically extract the financial institution to which the investigation request is made of the relevant administrative institution by referring to the institution setting information, and to provide the transaction investigation request to the extracted financial institution to which the investigation is requested.

On the other hand, in the example of FIG. 4, a list of financial institutions and their branches is displayed, and an example is shown in which the administrator of the administrative institution or the support device 100 can independently set manually. However, in addition to manual setting, the addresses of government agencies and delinquents are matched with the addresses of branches of financial institutions, and the addresses of delinquents and government agencies in the registered transaction survey target data are used. , It is also possible to control so that the transaction survey request data can be created by automatically designating the financial institution that requests the survey.

In this case, the financial institution information including the address or whereabouts of the financial institution is stored in advance, and when the investigation control unit 121 receives the transaction investigation request, the investigation control unit 121 uses the financial institution information to determine the jurisdiction of the administrative institution or the delinquent. It can be configured to automatically extract financial institutions within a predetermined range for an address and provide a transaction investigation request to the extracted financial institution to which the investigation is requested. For example, financial institutions within the jurisdiction of an administrative agency and financial institutions within a radius of several kilometers centered on the address of a delinquent (may be other than that administrative agency) are automatically extracted and transaction surveys are conducted. You can make a request.

With this configuration, the administrative agency can automatically request a financial institution that may have a transaction with a delinquent who has a residence in the area without selecting the financial institution to request. At the same time, it is possible for financial institutions to suppress unconditionally (randomly) requests for investigation of delinquents to many financial institutions, so that the practical burden of investigation requests can be reduced. In addition, since the setting information of the financial institution to which the survey is requested can be accumulated independently for each administrative institution as know-how, it is possible to realize an environment with high efficiency for both parties by utilizing the experience of the staff. Further, in the example of FIG. 4, a classification is provided as an attribute of a financial institution. The categories include, for example, designated money (designated agency financial institution), revenue (storage agency financial institution), city bank, etc., and are information added according to the role played by the financial institution and the size of the scale. By grasping the classification of financial institutions, it is possible to make appropriate selections according to the relationship between delinquents and financial institutions.

FIG. 5 is a diagram for explaining the transaction survey and the provision of the survey results. The bank employee can connect to the support device 100 and acquire transaction survey request data from the survey request receipt screen. For example, after logging in to the support device 100, the financial institution side control unit 121B causes the employee terminal 500 to display the survey request receipt screen. On the survey request receipt screen, one or more administrative agencies that have requested the survey are displayed. At this time, it is possible to receive survey requests from different administrative agencies, or to receive multiple survey requests from the same administrative agency with different survey subjects. Note that one transaction survey request data may be configured to include one or more delinquents. In other words, it is possible to make a transaction investigation request to a plurality of delinquents at once with one request, and in this case, the transaction investigation result also collects the transaction investigation results of a plurality of delinquents according to the transaction investigation request. It can be registered in the support device 100 as one transaction survey result data. The support device 100 can be configured to accumulate a transaction request history and a survey result history for each delinquent person even if a plurality of people collectively receive a survey request and the survey result.

Since the registered transaction survey request data is the transaction survey target person data provided by the administrative agency, it is necessary to convert the data according to the core system 510 on the financial institution side. Therefore, when the cooperation button is pressed, the data processing unit 122 of the support device 100 converts and outputs the transaction survey request data so as to have the transaction survey query format of the core system 510 set in advance. The query format is set according to the specifications of the core system 510 of each financial institution, and is a set of search conditions for extracting the transaction history of delinquents for the core system 510 and the items to be extracted. Is.

By performing such data linkage, it is possible to substantially link the core system 510. That is, for security reasons, when the support device 100 cannot be directly connected to the core system 510, the support device 100 provides inquiry information that can be used by the core system 510, so that smooth data linkage can be performed even via the employee terminal 500. Is possible. On the other hand, it goes without saying that if the support device 100 can directly link data to the core system 510, further centralized management becomes possible.

In addition, although one aspect of data linkage to be converted into a query format has been described, for example, a bank employee manually inputs a search condition, that is, a search query of a survey target person to a core system 510 through a bank employee terminal 500 to enter a core system. It is also possible to make a query to system 510. In this case, the transaction survey request data registered by the administrative agency is displayed on the bank employee terminal 500 or downloaded, and the bank employee confirms the contents of the transaction survey request data while manually inputting the inquiry process to the core system 510. It can also be configured to do so.

The core system 510 outputs the survey result of the delinquent person based on the search query of the survey target person. The output format is not particularly limited, but any file format or data format that can be output by the core system 510 may be used. The survey result output from the core system 510 is registered in the support device 100. For example, the bank employee manually inputs the survey result output from the core system 510 through the survey result input screen provided by the support device 100, or uploads the output file format transaction survey result data to the support device 100. be able to. When the core system 510 and the support device 100 can be directly connected to each other via the network, the transaction survey result data can be automatically uploaded from the core system 510 to the support device 100.

When the transaction survey result data is uploaded and registered in the support device 100, the transaction survey request and the transaction survey result are associated with each other. In the example of FIG. 5, the bank employee calls the transaction survey result data registration screen from the bank employee terminal 500 using the transaction survey request data as a key, and uploads the transaction survey result data on the transaction survey result data registration screen. As a result, the uploaded transaction survey result data will be linked to the transaction survey request. In addition, when the transaction survey result data includes the names of the requesting financial institution and the delinquent, the transaction survey request and the transaction survey result can be automatically matched using this information as a key.

The survey control unit 121 of the support device 100 provides the transaction survey result from the financial institution to the user terminal 300 of the relevant administrative agency in accordance with the registration of the transaction survey result data associated with the transaction survey request. The user-side control unit 121A notifies the user terminal 300 that the transaction survey result has arrived from the financial institution, and controls so that the transaction survey result can be obtained from the user terminal 300. At this time, the transaction survey result data provided by the financial institution is converted into a file format and data content suitable for the core business system 310 used by each administrative agency to generate the transaction survey result data for transmission, and the user terminal is used. It can be transmitted to 300.

In addition, the staff can view the detailed information of the transaction survey result data on the support device 100 through the user terminal 300. As shown in FIG. 5, the transaction survey result details include the bank employee ID, the administrative agency, the transaction survey request data, and the survey ID as the survey target information, and the survey results are displayed. The survey results include the surveyor's name, date of birth, address, as well as result information provided by the financial institution, such as the financial institution surveyed, whether or not there is a deposit in the account, and transaction history (deposit / withdrawal). ..

In this way, the history of transaction survey requests and the history of transaction survey results are linked and accumulated, and data linkage is built for the core business system 310 on the administrative agency side and the core system 510 on the financial institution side. Can be provided.

<Seizure reservation function and seizure processing>
6 and 7 are diagrams showing a seizure function including a seizure reservation function. FIG. 6 is an explanatory diagram of the seizure reservation function. The seizure reservation function of the present embodiment provides a function of notifying the financial institution of the seizure reservation and supporting the seizure work of the financial institution before the seizure record reaches the financial institution.

First, the staff accesses the support device 100 from the user terminal 300, and searches and extracts the transaction survey result data of the target person (delinquent person) to be seized. For example, the user-side seizure control unit 123A identifies the corresponding transaction survey result data when the name of the target person or the like is input, and causes the user terminal 300 to display the details of the transaction survey result data shown in FIG. At this time, the user-side seizure control unit 123A can control the screen on which the details are displayed so that the “seizure reservation” button (not shown) is included.

When the seizure reservation button is selected on the detailed screen of the transaction survey result data, the seizure control unit 123A on the user side provides the seizure reservation registration screen to the user terminal 300 as shown in FIG. On the seizure reservation registration screen, the detailed information displayed on the detailed screen of the transaction survey result data, that is, each item of the transaction survey result data is displayed. In addition, an input field for inputting the seizure reservation date and the seizure amount is provided, and the staff inputs these information on the seizure reservation registration screen. As the seizure reservation date, the current date or a future date can be arbitrarily entered. For example, the date on which the seizure record arrives at the financial institution (for example, the monthly deposit date of the transaction history included in the transaction survey result) may be entered. The seizure is not always executed on the reserved date. In other words, as mentioned above, the financial institution cannot execute the seizure unless it receives the seizure record, so if it is a date that the administrative agency can grasp when the reservation was made or when the seizure is desired to be executed. Good. For example, by automatically or manually inputting the current date when the seizure reservation is created, the financial institution can manage to proceed with the seizure preparation described later by using this reservation date.

In addition, if the staff inputs the date when the seizure record arrives at the financial institution as the seizure reservation date, or if the seizure record does not arrive on the set reservation date, the financial institution side will send the seizure record to the support device 100 as the reservation date. You can notify that it has not arrived at.

The seizure reservation registration screen is provided with a "reservation registration" button, and the staff can perform seizure reservation registration by selecting the "reservation registration" button. Triggered by the seizure reservation registration, the seizure control unit 123 generates seizure reservation data, stores it in the storage device 130, and transmits a seizure reservation notification to the employee terminal 500. The seizure reservation data includes the person in charge ID of the staff, the name of the administrative agency (may be the administrative agency code), the deposit destination account number, the name of the person subject to seizure (survey), the date of birth, the address, the seizure reservation date, the seizure amount, etc. Including.

As described above, in the present embodiment, by accumulating the transaction survey data, the support device 100 can generate the seizure reservation data by using the transaction survey result data, and the staff can easily and without input errors and finance. You can make a seizure reservation with the institution.

The seizure control unit 123 of the support device 100 controls so that the financial institution can acquire the seizure reservation data in accordance with the seizure reservation notification. The bank employee accesses the support device 100 through the bank employee terminal 500 and acquires (receives) the registered seizure reservation data. In the example of FIG. 6, the financial institution side seizure control unit 123B provides the bank employee terminal 500 with a seizure reservation reception screen, and the bank employee can select, confirm, and receive the seizure reservation data on the seizure reservation reception screen. it can. On the seizure reservation receipt screen, the seizure reservation data is displayed together with the name of the administrative institution, and each seizure reservation of each financial institution or / and a plurality of seizure reservations with different target persons from one financial institution are displayed. The bank employee can select the seizure reservation data to be received, confirm the contents, and download the seizure reservation data.

On the other hand, in the present embodiment, the function of linking the seizure reservation data with the core system 510 on the financial institution side is provided, and the seizure reservation data is used to generate the seizure preparation registration setting information in the core system 510, and the employee terminal 500. To provide.

For example, in the example of FIG. 6, when the confirmation button is selected on the seizure reservation receipt screen, the financial institution side seizure control unit 123B causes the bank employee terminal 500 to display the seizure reservation confirmation screen. On the seizure reservation confirmation screen, the contents of the seizure reservation data are displayed, along with the employee ID and financial institution name that receives the seizure reservation, as well as the administrative agency that made the seizure reservation, the deposit account number, the name of the investigator, the date of birth, and the address. , The seizure reservation date, the seizure amount, the deposit and the survey result including the transaction history can also be controlled to be displayed. The reception ID is an identification number assigned to each received seizure reservation data, and by associating this reception ID when generating the seizure preparation registration information described later, the seizure reservation data and the seizure preparation registration information are associated with each other. ..

The seizure reservation confirmation screen is provided with a seizure preparation registration button, and by selecting the seizure preparation registration button, seizure preparation registration information for the corresponding seizure reservation data can be generated. The seizure control unit 123 uses the seizure reservation data and preset information (for example, code information necessary for data linkage in the core system 510, various setting information, etc.) in a predetermined seizure action data format. Generate seizure preparation registration information. The generated seizure preparation registration information is provided to the employee terminal 500, and then registered in the core system 510 from the employee terminal 500. As shown by the alternate long and short dash line in the example of FIG. 6, when the support device 100 and the core system 510 can be directly connected, the seizure preparation registration information is transmitted from the support device 100 to the core system 510. The seizure control unit 123 processes that the acceptance of the seizure reservation has been completed in connection with the selection of the seizure preparation registration button.

Next, the bank employee registers the seizure preparation registration information in the core system 510, but the preparation for seizure is not completed only when the seizure preparation registration information is taken into the core system 510, and the bank employee accesses the core system 510. Then, confirm (completion of seizure preparation) operation is performed on the set seizure preparation registration information. For example, as shown in FIG. 6, when the core system 510 is accessed through the employee terminal 500, the seizure preparation screen can be called. The bank employee confirms various information on the seizure preparation screen provided by the core system 510, and edits the information as necessary. In addition, the bank employee can also set the transfer of funds to the preferred loan, etc. separately from the seizure from the administrative agency, and the transaction processing of the transfer of funds to the preferred loan is set in the seizure of the administrative agency. , The seizure preparation process can be performed.

In addition, one delinquent may be seized by multiple government agencies. Therefore, as shown in FIG. 6, when a seizure reservation is made for one delinquent person by an administrative agency, the seizure reservation date and the seizure amount are displayed for each administrative agency on the seizure preparation screen.

In this way, after the seizure preparation registration information provided by the support device 100 is registered in the core system 510, the bank employee confirms various information on the seizure preparation screen provided by the core system 510 and selects the reservation confirmation button. Then, the preparation for seizure of the core system 510 can be completed. Completion of seizure preparation can be registered in the support device 100 from the employee terminal 500.

FIG. 7 is a diagram for explaining seizure execution. The staff sends a copy of the seizure record to the financial institution, or visits the financial institution and serves it to the financial institution at the reception desk. When the financial institution receives the seizure record, it confirms the contents of the seizure record. At this time, the financial institution performs an internal procedure for the seizure execution based on the seizure record, and after the internal procedure is completed, collates the seizure record with the reservation-registered seizure process and executes the corresponding seizure process. .. The seizure process is executed by executing the process in which the seizure preparation is completed based on the seizure reservation in the core system 510.

The relationship between internal procedures and the execution of reserved seizure processing differs depending on each financial institution. Therefore, for example, it is possible to promptly suspend the transaction only when the seizure record is received, and to perform the internal procedure after freezing the withdrawal of the deposit of the delinquent. Then, after the internal procedure, the frozen deposit can be configured to transfer the seized amount to the deposit account of the administrative agency that is the creditor. Therefore, the processing action prepared for seizure based on the seizure preparation registration information can be appropriately set on the financial institution side so as to be divided into two processes, transaction suspension and fund transfer.

The bank employee inputs (transmits) the result of the seizure execution accompanying the receipt of the seizure record, that is, the seizure result to the support device 100 through the bank employee terminal 500. The seizure result may be information such as the seizure execution date, the seizure target person, the seizure amount, and the like indicating that the seizure process for the seizure record has been completed. When the seizure result is registered, the seizure control unit 123 of the support device 100 notifies the user terminal 300 of the administrative agency that the seizure result has been registered, and can acquire the seizure result data from the support device 100 through the user terminal 300. To control. The staff receives (for example, downloads) the seizure result from the user terminal 300, and imports (inputs) the seizure result into the core business system 310. At this time as well, the data processing unit 122 can convert the seizure result data into the data linkage format of the core business system 310 and provide it to the user terminal 300.

As described above, the transaction investigation / seizure support system of the present embodiment has the advantages of both the administrative institution and the financial institution, and it is possible to carry out from the transaction investigation to the seizure all at once, and the history management is centrally managed. Leakage can be suppressed and smooth seizure work can be performed regardless of work experience.

In addition, as an advantage of administrative institutions, it is possible to investigate transactions with other financial institutions regardless of the designated financial institution of tax and public money that has been delinquent or the collection agency financial institution, and it is possible to send a seizure record based on a seizure reservation. It will be possible, and it will not be necessary to bring it to the window of the financial institution (since the seizure reservation will be transmitted to the financial institution in advance, the seizure record will be completed by mailing the seizure record). Further, since the support device 100 performs data linkage (data conversion), the input load on the core business system 310 is reduced, and the efficiency (collection rate) of the delinquent payment collection business is improved.

As an advantage on the financial institution side, it is possible to improve work efficiency by digitizing and standardize seizure preparation work. In other words, by using this system, no special know-how is required. In addition, it is possible to equalize personnel by consolidating special tasks such as seizure, and it is possible to reduce human costs.

FIG. 8 is a diagram showing a processing flow of the transaction investigation / seizure support system of the present embodiment.

The staff accesses the core business system 310 from the user terminal 300, searches and extracts the target person for conducting the transaction survey, and creates the transaction survey target person data (S301). The staff accesses the support device 100 from the user terminal 300 and transmits the created transaction survey target person data (S302). As described above, it is also possible to directly input the data of the person subject to the transaction survey through a predetermined screen.

The support device 100 registers the transmitted or input transaction survey target person (S101), provides the request target selection screen to the user terminal 300, and controls the registered transaction survey target person data to be selectable (S101). S102, S303). The support device 100 provides a survey request creation screen for the selected transaction survey target person data, and the staff designates one or more financial institutions to request the survey (S103, S303). At this time, as in the example of FIG. 4, the support device 100 refers to the request destination financial institution setting information registered in advance, and checks the request destination financial institution setting information of the corresponding administrative institution. The support device 100 controls each financial institution so that it can be arbitrarily selected by the staff when there is no corresponding administrative institution in the request destination financial institution setting information. On the other hand, when there is a corresponding administrative institution in the request destination financial institution setting information, the support device 100 controls so that the financial institution in the setting information is displayed in a preselected state on the survey request creation screen.

In the control using the request destination financial institution setting information, after the survey request creation button is selected on the request target selection screen of the example of FIG. 3, without selecting the staff or displaying the selected financial institution, It is possible to control to automatically generate transaction survey request data with the financial institution of the request destination financial institution setting information as the request destination without performing control through the survey request creation screen.

When the create button is selected on the survey request creation screen, the support device 100 creates transaction survey request data in which the transaction survey target data and the financial institution requesting the survey are linked (S104, S303). The support device 100 processes the designated financial institution to notify the investigation request from the administrative institution (S105). Further, along with the notification process, the bank employee terminal 500 is controlled so that the transaction survey request data can be acquired (S106).

The bank employee connects to the support device 100 through the bank employee terminal 500, and acquires (receives) transaction survey request data from the survey request receipt screen (S501). At this time, the support device 100 converts and outputs the transaction survey request data so as to have the transaction survey query format of the core system 510 set in advance. The bank employee connects to the core system 510 through the bank employee terminal 500 and inputs an inquiry query based on the transaction survey request data (S502). The core system 510 outputs the survey result of the delinquent person based on the inquiry query (search query) of the survey target person. The bank employee registers the survey result output from the core system 510 in the support device 100 through the bank employee terminal 500 (S503).

When the transaction survey result data is provided from the bank employee terminal 500, the support device 100 associates the transaction survey request with the transaction survey result (S107). The support device 100 provides the transaction survey result from the financial institution to the user terminal 300 of the relevant administrative agency in connection with the registration of the transaction survey result data associated with the transaction survey request (S108). The support device 100 notifies the user terminal 300 that the transaction survey result has arrived from the financial institution, and controls the user terminal 300 so that the transaction survey result can be obtained (S304). The staff can view the detailed information of the transaction survey result data on the support device 100 through the user terminal 300.

By accumulating the transaction survey data, the staff accesses the support device 100 from the user terminal 300, searches and extracts the transaction survey result data of the target person (delinquent person) to be seized, and performs various operations for making a seizure reservation. (S305). At this time, the staff prepares a seizure record corresponding to the seizure reservation and also performs a shipping process of sending the prepared seizure record to the relevant financial institution. The seizure record is prepared and shipped so that it will be delivered to the financial institution after the seizure reservation is registered.

The support device 100 performs various controls of the seizure reservation function based on the operation input of the seizure reservation by the staff (S109), and when the "reservation registration" button is selected on the seizure reservation registration screen, the support device 100 trades. The seizure reservation data is generated based on the survey data, stored (registered) in the storage device 130 (S110), and the seizure reservation notification is transmitted to the employee terminal 500 (S111). The support device 100 controls so that the financial institution can acquire the seizure reservation data in accordance with the seizure reservation notification (S111). The bank employee accesses the support device 100 through the bank employee terminal 500 and acquires (receives) the registered seizure reservation data, and the support device 100 generates the seizure preparation registration setting information in the core system 510 using the seizure reservation data. Then, it is provided to the employee terminal 500 (S504).

The bank employee registers the seizure preparation registration information in the core system 510, accesses the core system 510, and performs a confirmation (seizure preparation completion) operation on the set seizure preparation registration information (S505). The bank employee notifies the support device 100 from the bank employee terminal 500 that the preparation for seizure is completed (S506). Upon receiving the seizure preparation completion notification, the support device 100 transmits the seizure reservation completion notification to the user terminal 300 (S122).

When the financial institution receives the seizure record (YES in S507), the internal procedure is performed, and after the internal procedure is completed, the seizure record is collated with the reservation-registered seizure process and the corresponding seizure process is executed (YES). S508). The bank employee registers (transmits) the result of the seizure execution accompanying the receipt of the seizure record in the support device 100 through the bank employee terminal 500. The support device 100 notifies the user terminal 300 that the seizure result has been registered, and controls the user terminal 300 so that the seizure result data can be acquired from the support device 100 (S113, S306).

FIG. 9 is a diagram for explaining a network configuration of the transaction investigation / seizure support system of the present embodiment. In the above description, the support device 100, the user terminal 300, and the employee terminal 500 are connected via a network ((3), (4)), and the core business system 310 and the core system 510 are connected to the support device 100. As described above, the support device 100 is directly connected to the core business system 310 ((1)), while the support device 100 is directly connected to the core system 510 ((2)). You may. In this case, the user terminal 300 that can be connected to the mission-critical business system 310 can use the transaction investigation function and the seizure reservation function provided by the support device 100 through the mission-critical business system 310. The same applies to the financial institution side, and the bank employee terminal 500 that can be connected to the core system 510 can use the transaction investigation function and the seizure reservation function provided by the support device 100 through the core system 510.

Although the embodiment has been described above, the transaction survey / seizure support system provides consistent support from the transaction survey to the seizure, but it may also be provided as a seizure support system centered on the seizure function including the seizure reservation. It is possible. For example, when the existing transaction investigation system uses the seizure function of the present embodiment or uses only the seizure function, it can be provided as a seizure support system centering on the seizure function including the seizure reservation. In this case, since the transaction survey data is the basic information for creating the seizure reservation data, if the seizure reservation data is created by manually inputting the transaction survey results obtained individually or by importing the data, the seizure including the seizure reservation is included. Functions can be used. As described above, the seizure function including the seizure reservation of the present embodiment can be realized as an independent computer system separately from the transaction investigation function.

In addition to the above, the support device 100, the core business system 310, and the core system 510 have a display device such as a liquid crystal display, a CPU that controls the entire device (each part), and a memory (main storage device). , Mouse, keyboard, touch panel, operation input means such as scanner, output means such as printer and speaker, auxiliary storage device (hardware and the like) and the like.

Further, each function of the present invention can be realized by a program, a computer program prepared in advance for realizing each function is stored in the auxiliary storage device, and a control unit such as a CPU is stored in the auxiliary storage device. By reading the program into the main storage device and executing the program read into the main storage device by the control unit, the computer device can operate the functions of each part of the present invention. On the other hand, each function of the present invention can be configured by an individual control device, and can be configured by connecting a plurality of control devices directly or via a network.

Further, the above program can be provided to a computer in a state of being recorded on a computer-readable recording medium. Computer-readable recording media include optical discs such as CD-ROMs, phase-changing optical discs such as DVD-ROMs, magneto-optical disks such as MO (Magnet Optical) and MD (Mini Disk), floppy (registered trademark) disks, and the like. Examples include magnetic disks such as removable hard disks, compact flash (registered trademarks), smart media, SD memory cards, and memory cards such as memory sticks. In addition, a hardware device such as an integrated circuit (IC chip or the like) specially designed and configured for the purpose of the present invention is also included as a recording medium.

100 Support device 110 Communication device 120 Control device 121 Investigation control unit 121A User side control unit 121B Financial institution side control unit 122 Data processing unit 123 Seizure control unit 123A User side seizure control unit 123B Financial institution side seizure control unit 130 Storage device 300 User Terminal (administrative agency)
310 Core business system (administrative organization)
500 employee terminals (financial institutions)
510 Core system (financial institution)

Claims (6)

Receives a transaction investigation request from a government agency to a delinquent, provides a transaction investigation request to a financial institution, accepts a transaction investigation result for the transaction investigation request from a financial institution, provides the transaction investigation result to an administrative agency, and makes the transaction. A survey control unit that stores survey results in a predetermined storage area,
Seizure control that accepts seizure reservation requests sent from government agencies when creating seizure records for delinquents or sending seizure records to financial institutions, extracts the transaction survey results of the relevant delinquents, and generates seizure reservation data Department and
The seizure reservation data is converted into a predetermined format for cooperation with the core system that manages deposits and withdrawals of trading accounts at financial institutions, and seizure by the core system is performed as a preliminary preparation based on the seizure reservation before receiving the seizure record. It has a data processing unit that generates seizure preparation registration information for registering execution actions.
The seizure control unit provides the seizure preparation registration information to the financial institution, receives the seizure preparation completion notification based on the seizure preparation registration information, and provides the administrative agency with the seizure reservation completion notification.
Accepting the seizure result, which is the result of the seizure execution action based on the seizure preparation registration information accompanying the receipt of the seizure record sent from the administrative agency based on the seizure reservation, from the financial institution and providing the seizure result to the administrative agency. A transaction investigation and seizure support system featuring. The investigation control unit is a user-side control unit that receives the transaction investigation request from a user terminal on the administrative agency side that manages tax and public money delinquency, and a financial institution side that receives the transaction investigation result from a bank employee terminal on the financial institution side. With a control unit
The seizure control unit receives the seizure reservation request from the user terminal, extracts the transaction investigation result of the designated delinquent from the predetermined storage area, and generates the seizure reservation data. The transaction investigation according to claim 1, further comprising a unit and a financial institution-side seizure control that transmits the seizure preparation registration information to the bank employee terminal and receives the seizure result from the bank employee terminal. Seizure support system. The request destination financial institution setting information in which one or more survey request destination financial institutions that make a transaction investigation request for each administrative agency is set is stored in the predetermined storage area.
When the survey control unit receives the transaction survey request, it automatically extracts the survey request destination financial institution of the relevant administrative institution with reference to the request destination financial institution setting information, and the extracted survey request destination finance. Provide the transaction investigation request to the institution,
The transaction investigation / seizure support system according to claim 1 or 2, wherein the requested financial institution setting information includes a financial institution having a residence in an area under the jurisdiction of an administrative institution. When the investigation control unit receives the transaction investigation request, the investigation control unit uses the financial institution information including the address or whereabouts of the financial institution to select a financial institution within a predetermined range with respect to the jurisdiction of the administrative institution or the address of the delinquent. The transaction investigation / seizure support system according to claim 1 or 2, wherein the transaction investigation request is automatically extracted and provided to the extracted investigation request destination financial institution. A program executed by a computer that provides transaction investigation and seizure support functions.
Receives a transaction investigation request from a government agency to a delinquent, provides a transaction investigation request to a financial institution, accepts a transaction investigation result for the transaction investigation request from a financial institution, provides the transaction investigation result to an administrative agency, and makes the transaction. The first function to store the survey results in a predetermined storage area,
The second, which accepts the seizure reservation request sent from the administrative agency when preparing the seizure record for the delinquent or sending the seizure record to the financial institution, extracts the transaction investigation result of the delinquent, and generates the seizure reservation data. Function and
The seizure reservation data is converted into a predetermined format for cooperation with the core system that manages deposits and withdrawals of trading accounts at financial institutions, and seizure by the core system is performed as a preliminary preparation based on the seizure reservation before receiving the seizure record. The computer is realized with a third function of generating seizure preparation registration information for registering an execution action.
The second function provides the seizure preparation registration information to the financial institution, receives the seizure preparation completion notification based on the seizure preparation registration information, and provides the administrative agency with the seizure reservation completion notification.
Accepting the seizure result, which is the result of the seizure execution action based on the seizure preparation registration information accompanying the receipt of the seizure record sent from the administrative agency based on the seizure reservation, from the financial institution and providing the seizure result to the administrative agency. A program featuring. A storage unit that stores the transaction survey results provided by the financial institution that received the transaction survey request for the delinquent from the government agency.
When preparing a seizure record for a delinquent person or sending a seizure record to a financial institution, a seizure reservation request sent from an administrative agency is accepted, and the transaction investigation result of the delinquent person is extracted from the storage unit to obtain seizure reservation data. The seizure control unit to be generated and
The seizure reservation data is converted into a predetermined format for cooperation with the core system that manages deposits and withdrawals of trading accounts at financial institutions, and seizure by the core system is performed as a preliminary preparation based on the seizure reservation before receiving the seizure record. It has a data processing unit that generates seizure preparation registration information for registering execution actions.
The seizure control unit provides the seizure preparation registration information to the financial institution, receives the seizure preparation completion notification based on the seizure preparation registration information, and provides the administrative agency with the seizure reservation completion notification.
Accepting the seizure result, which is the result of the seizure execution action based on the seizure preparation registration information accompanying the receipt of the seizure record sent from the administrative agency based on the seizure reservation, from the financial institution and providing the seizure result to the administrative agency. A seizure support system featuring.