JPH08315022A - Payment managing system - Google Patents

Abstract

PURPOSE: To standardize operation and to reduce the delay of payment by referring to an experience rank determined based upon payment history information, extracting a customer having low payment history and recording the customer in a notifiable member's list. CONSTITUTION: When a member e.g. executes transactions by a credit card, a sales file 11 is monthly updated. When the sales amount of the preceding month is determined, the claimed amount of a current month is calculated by adding a balance to the sales amount of the preceding month and recorded in a claimed amount list 14 and claiming processing such as the printing of a bill BL and the recording of the claimed amount in a magnetic tape MT is executed. A member file 13 and a payment state file 12 are referred to and a notifiable member's list 17 recording yellow members to which payment is to be previously noticed prior to the settlement of a monthly claimed amount is prepared. Previous notice operation is executed based upon the list 17. On a fixed date, settlement processing is executed and a delaying member's list 22 recording red members is prepared by referring to the payment contents of the list 14. Dunning operation is executed based upon the list 22.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a deposit management system for credit transactions such as credit cards.

In a credit transaction in which a credit card is used to pay the price, it is extremely important for a credit company to improve the efficiency of collection of the usage price, and it is the basis for establishing a system. For this reason, credit companies are urging those who are delinquent in usage fees to pay by telephone. Payment settlement of the usage fee is usually performed by bank transfer or postal transfer, and since the payment contract date is concentrated at one time, the dunning work will be concentrated at one time. There is a demand for a deposit management system for efficiently performing dunning work and reducing uncollectible bonds.

[0003]

2. Description of the Related Art In a conventional deposit management system in a credit transaction, a reminder operation is carried out when a payment delay is confirmed.

That is, in the conventional deposit management system, an invoice for the credit balance for each member is issued at the end of the month, and the credit balance is withdrawn from the deposit account of each member on the contract day in response to the invoice. For members who were unable to withdraw due to insufficient balance in their deposit account, a list of members (sometimes referred to as "red members") was created at the time when withdrawal became impossible, and by telephone based on the created list. A reminder is made (JP-A-2-53180).

[0005]

However, in the conventional deposit management system, a list is created at the stage when the payment delay is confirmed, and the target of the telephone reminder is determined by the list.
Since the dunning work was carried out, it was necessary to carry out the dunning work in an extremely short period of time.

[0006] In other words, for example, it is assumed that it is the 10th day of the current month that the bill for the previous month is fixed and the invoice is issued.
Assuming that the payment date is the 20th day of the current month, it is necessary to perform a reminder operation after the 20th day until the end of the month or the beginning of the next month, and confirm the payment accordingly. Therefore, the dunning work needs to be carried out by manpower tactics by putting a large number of personnel within a short period of a few days, and there is a big problem in terms of leveling the work, which is an extremely poor work form.

In the conventional deposit management system,
Since redemption work was carried out for Red members who had a confirmed delinquency in payment, it did not reduce delinquency in payment and was merely a coping therapy approach.

The present invention has been made in view of the above problems, and an object of the present invention is to provide a deposit management system capable of equalizing business operations and reducing delinquent deposits. To do.

[0009]

According to a first aspect of the invention, there is provided a deposit management system including a sales file for recording sales by customer, a deposit status file for recording deposit history information for each customer, and a credit for each customer. A customer management file that records the balance, a billing amount list that records the billing amount for each customer per unit period, a billing amount for the unit period based on the sales file and the customer management file, and the billing amount list Check the billing amount calculation means for recording and the presence or absence of deposit of the billing amount recorded in the billing amount list,
Deposit check means for recording the result in the billing amount list, rank determining means for determining the actual rank of the deposit result based on the deposit history information recorded in the deposit status file, and billing for the unit period A noticer list for recording customers who should give a notice of payment prior to settlement of the amount, and a noticer extraction means for extracting a customer with a poor deposit record by referring to the achievement rank and recording it in the noticer list And.

In the deposit management system according to the second aspect of the present invention, a credit amount, which is the maximum limit of credit balance, is recorded in the customer management file, and the credit balance is stored in the noticer extraction means. An excess credit amount extractor means is provided for extracting a customer who has exceeded the credit amount and recording it in a noticer list.

[0011]

The operation and operation contents of the deposit management system according to the present invention will be described with reference to FIGS. 1 to 7 and the flow chart shown in FIG.

For example, when a member makes a transaction using a credit card (# 1), the sales file 11 is updated every month (# 2). The sales amount SU for the previous month is fixed, and the balance BA is added to it to calculate the invoice amount BI for this month. The invoice amount list 14 is recorded, the invoice BL is printed, and the magnetic tape MT is invoiced. Is performed (# 3).

Member file 13 and deposit status file 1
2 is referred to, and a noticer list 17 recording members (may be referred to as “yellow members”) who should give notice of payment prior to settlement of billing amount for one month is created (#
4). Based on the created noticer list 17, the notice work for yellow members is performed (# 5).

The settlement process is performed on the trade date (#
6) The delinquent list 22 in which the red members are recorded is created by referring to the payment presence / absence YN in the billing amount list 14 (#
7). Based on the created delinquent list 22, the red member is urged (# 8).

[0015]

1 is a block diagram functionally showing a deposit management system 1 according to the present invention, FIG. 2 is a diagram showing an example of a sales file 11 and FIG. 3 is a diagram showing an example of a deposit status file 12.
4 is a diagram showing an example of the member file 13, FIG. 5 is a diagram showing an example of the bill amount list 14, FIG. 6 is a diagram showing an example of the noticer list 17, and FIG. 7 is an example of the hardware configuration of the deposit management system 1. FIG.

In FIG. 1, the deposit management system 1 includes a sales file 11, a deposit status file 12, a member file 13 as a customer management file, a bill amount list 14,
A billing processing unit 15 as a billing processing unit, a rank determination unit 16 as a rank determination unit, a noticer list 17, a noticer extraction unit 18 as a noticer extraction unit, a balance update unit 19,
The payment history update unit 20, the delinquent person extraction unit 21, the delinquent person list 22, and the negotiation information input unit 23 are included.

The sales file 11 is a file for recording sales for each member registered as a credit member. As shown in FIG. 2, the sales file 11 includes items of a member name NM, a usage date DT, and a sales amount (usage amount) SU. In the example of FIG. 2, sales for April are recorded.

The deposit status file 12 is a file for recording deposit history information for each member. As shown in FIG.
The deposit status file 12 includes the member name NM and rank R
A and history HS items are provided.

The rank RA is determined according to the payment status and usage status of the member. Regarding the deposit situation, “R1” indicates that the delinquency is excellent, not once a year, “R2”, which is less than twice a year, and more than three times a year. There are four ranks of "R3" and "R4" indicating that there is a possibility of being uncollectible. For the usage status, a rank of "E" indicating that the credit balance BA exceeds the credit amount RL is provided.

The history HS records the usage status of the past several months, the payment status, the advance notice by telephone, and the status of correspondence at the time of reminder. In the member file 13, as shown in FIG. 4, the member name NM, the credit balance BA, and the credit amount RL which is the maximum limit of the balance BA are recorded. Although illustration is omitted, each member's address, telephone number, etc. are recorded in the member file 13.

The billing amount list 14 is a file for recording the billing amount for each member with a unit period of one month.
As shown in FIG. 5, the billing amount list 14 records the member name NM, the billing amount BI of the current month, and the deposit presence / absence YN indicating the presence or absence of deposit for the billing amount BI.

The billing processing unit 15 is provided with a billing amount calculating unit 31 as a billing amount calculating means and a deposit checking unit 32 as a deposit checking unit. Claim amount calculation unit 31
Calculates the current billing amount BI based on the sales amount SU recorded in the sales file 11 and the balance BA recorded in the member file 13, and records it in the billing amount BI of the billing amount list 14.

The deposit check unit 32 is used for the charge amount list 14
With respect to the billed amount BI recorded in, it is checked whether or not there is a deposit from the member, and the result is billed amount list 14
Record whether or not the payment is made YN. To check if there is a deposit,
The data recorded on the magnetic tape MT returned from the bank is referred to.

The billing processing unit 15 performs a process for printing a bill BL having the same contents as the billing amount list 14 for each member, and a process for recording the data on the magnetic tape MT. . The printed invoice BL is mailed to each member, and the magnetic tape MT is sent to the bank.

At the bank, each billing amount BI is withdrawn from the deposit account MAC of each member on the contract day based on the sent magnetic tape MT, and the account CA of the credit company is issued.
Settlement processing PA for depositing to C is performed. Payment processing PA
As a result, that is, data indicating whether or not the billing amount BI has been withdrawn for each member is recorded on the magnetic tape MT,
It is returned to the deposit management system 1.

The rank determination unit 16 uses the deposit status file 1
Based on the history HS recorded in 2, the rank of the deposit status is determined and recorded in the rank RA. List 17
Is a file that records yellow members. That is,
The members whose deposit status is “R2”, “R3”, and “R4” and the members whose usage status is “E” are extracted for each rank. List 17
Is displayed on the screen of the terminal device 45, and is printed on paper as needed.

The advance notice extraction unit 18 uses the deposit status file 1
From 2, the member with a bad deposit record, that is, the rank is "R
Members who are “2”, “R3”, and “R4” are extracted and recorded in the noticer list 17. Further, the noticer extraction unit 18 is provided with a credit amount excess person extraction unit 33 as a credit amount excess person extraction means. The credit amount excess person extraction unit 33 extracts a member whose balance BA recorded in the member file 13 exceeds the credit amount RL, that is, a member whose rank is “E” and records it in the noticer list 17.

The automatic dialing device 24 automatically makes a call to each yellow member in sequence based on the data from the noticer list 17. The person in charge of the advance notice will notify the member of the billed amount for this month, the date of withdrawal, etc. by calling, request the confirmation of the balance of the deposit account so that the withdrawal is possible, and not withdraw from the deposit account In case you install a promise to deposit by the promised date. The person in charge inputs the status of these negotiations from the negotiation information input unit 23.

When making a call for advance notice, the priority order is determined according to the rank RA. For example, the members with rank "R4" are given the highest priority, and "R3" and "R2"
The order is "E".

The balance updating unit 19 refers to the data recorded on the magnetic tape MT returned from the bank, and updates the balance BA recorded in the member file 13. The deposit history update unit 20 updates the history HS recorded in the deposit status file 12 based on the data similarly recorded on the magnetic tape MT and the data input from the negotiation information input unit 23.

The delinquent person extraction unit 21 extracts members who have no deposit due to non-withdrawal or the like based on the record of the presence / absence of deposit YN in the bill amount list 14 and creates the delinquent person list 22. Based on data from the delinquent list 22,
The automatic dialing device 24 automatically calls each member in sequence. The person in charge of the dunning work urges the user to deposit the overdue amount by a telephone call and inputs the negotiation status and the like from the negotiation information input unit 23.

In FIG. 7, the hardware of the deposit management system 1 comprises a processing device 41, a magnetic disk device 42, magnetic tape devices 43 and 44, a terminal device 45, a printer device 46 and the like.

The magnetic disk device 42 has a sales file 11, a deposit status file 12, a member file 13, a billing amount list 14, a noticer list 17, and a delinquent list 22.
Is stored. Magnetic tape device 43 or terminal device 4
From 5, data about the sales of the members is input.
Various files, list contents, and other information can be displayed on the screen of the terminal device 45. The magnetic tape device 44 records the data of the result of the billing process or reads the data of the result of the settlement process on the magnetic tape MT for exchanging the data with the bank. The bill BL is printed by the printer device 46. The processing device 41 causes the billing processing unit 15, the rank determination unit 16,
Forecaster extractor 18, balance updater 19, deposit history updater 2
The functions of 0, the delinquent person extraction unit 21, the billing amount calculation unit 31, the deposit check unit 32, the credit amount excess person extraction unit 33, and the like are realized. Although not shown, the processing device 41 is connected to another computer through a communication line, and data is input / output through the communication line.

Next, the processing or operation contents in the deposit management system 1 will be described with reference to the flowchart shown in FIG. When the member makes a transaction using the credit card (# 1), the sales file 11 is updated every month (# 2). The sales amount SU for the previous month is fixed, and the balance BA is added to it to calculate the invoice amount BI for this month. The invoice amount list 14 is recorded, the invoice BL is printed, and the magnetic tape MT is invoiced. Is performed (# 3).

Member file 13 and deposit status file 1
Referrer list 1 which recorded yellow members by referring to 2
7 is created (# 4). Created notice list 17
Based on the above, we will give advance notice to Yellow members (#
5). For example, assuming that the invoice BL is issued on the 10th day of the current month and the contract date for payment is the 20th day of the current month, the advance notice work is performed after the 10th day until the 20th day.

The settlement process is performed on the trade date (#
6) The delinquent list 22 in which the red members are recorded is created by referring to the payment presence / absence YN in the billing amount list 14 (#
7). Based on the created delinquent list 22, the red member is urged (# 8). The dunning work is performed, for example, after 20 days until the beginning of the next month.

According to the above embodiment, the rank determining unit 16
Then, the rank RA of each member is automatically determined and recorded in the deposit status file 12, and the yellow member is automatically extracted by the notifier extraction unit 18 based on the RA, and the notifier list 17 is easily and appropriately timed. Will be created. By performing the notice work based on the noticer list 17, the number of persons who cannot be withdrawn on the contract day is reduced, and thus the number of people who are late in payment is reduced and the deposit rate is improved. Therefore, the number of red members will decrease, the amount and cost of dunning work will be reduced, and the reduction of uncollectible bonds is expected.

Further, it is possible to make advance notice work at another time for a person who has conventionally only performed a reminder work for a period of time, so that the work can be leveled and the human resources can be effectively utilized. .

Further, it is considered that there is no intention of paying the overdue amount by analyzing various information such as whether or not the member is yellow and whether or not the member is red and the contents of the rank RA. Black members can be identified quickly, and uncollectible bonds can be minimized.

In the above embodiment, the automatic dialing device 24 is used to automatically make a call.
The person in charge may dial manually.
Although the unit period is one month, it may be one week, two weeks, two months, or the like. Although the rank RA for the deposit status is set to 4 steps, it may be set to 3 steps or less or 5 steps or more. The rank RA regarding the usage status may be set in two or more stages.
The structure and contents of each file or list can be changed as appropriate. In addition, the configuration, processing content, processing order, etc. of the deposit management system 1 can be appropriately changed in accordance with the gist of the present invention.

[0041]

According to the inventions of claims 1 and 2,
Since the yellow member is automatically extracted and the noticer list is created, it is possible to give a notice of payment easily and at an appropriate timing based on the noticer list. By performing the advance notice work of deposit, it becomes possible to achieve the equalization of the work and it is possible to reduce the delinquency of deposit.

According to the second aspect of the present invention, a customer whose credit balance exceeds the credit amount is automatically extracted, and such a yellow member can be notified of the deposit easily and at an appropriate timing. You can

[Brief description of drawings]

FIG. 1 is a block diagram functionally showing a deposit management system according to the present invention.

FIG. 2 is a diagram showing an example of a sales file.

FIG. 3 is a diagram showing an example of a deposit status file.

FIG. 4 is a diagram showing an example of a member file.

FIG. 5 is a diagram showing an example of a billing amount list.

FIG. 6 is a diagram showing an example of a noticer list.

FIG. 7 is a diagram showing an example of a hardware configuration of a deposit management system.

FIG. 8 is a flowchart showing processing and operation contents in the deposit management system.

[Explanation of symbols]

 1 Payment Management System 11 Sales File 12 Payment Status File 13 Membership File (Customer Management File) 14 Billing Amount List 15 Billing Processing Unit (Billing Processing Means) 16 Rank Determining Unit (Rank Determining Means) 17 Noticer List 18 Noticer Extractor (Advancer extraction means) 31 Charge amount calculation unit (charge amount calculation means) 32 Deposit check unit (deposit check means) 33 Credit amount excess person extraction unit (credit amount excess person extraction means)

Claims (2)

[Claims] [Claim 1] A sales file that records the sales of each customer, a payment status file that records the payment history information of each customer, a customer management file that records the credit balance of each customer, and a billing of the unit period for each customer An invoice amount list for recording an amount, an invoice amount calculating means for calculating an invoice amount for a unit period based on the sales file and the customer management file, and recording the invoice amount list in the invoice amount list, and recording in the invoice amount list Based on the deposit check means for checking whether or not the billed amount has been deposited and recording the result in the billed amount list, and the deposit history information recorded in the deposit status file, the actual rank of the deposit record A rank determining means for determining the amount of money, a list of notifiers recording the customers who should give advance notice of payment prior to the settlement of the billing amount for the unit period, Deposit management system characterized by comprising comprises a notice who extracting means for extracting a bad customer with a payment record with reference to the click is recorded in the warning list, the. 2. A credit amount, which is the maximum credit balance amount, is recorded in the customer management file, and the noticer extracting means extracts a customer whose credit balance exceeds the credit amount. The deposit management system according to claim 1, further comprising: credit amount excess person extraction means for recording the credit amount in the noticer list.