TWI271662B - Method for managing and tracing an account payable - Google Patents

Abstract

A method for managing and tracing an account payable is provided. The present invention includes providing an account payable and storing related information in a database. The related information includes assignor of the account payable, type of the account payable, times of transference, days of deferment, assigning date and an account. When the account payable does not less than predetermined money, a mail file, a short-message file and an audio file of the account payable are set in accordance with the related information. And, the execution times for sending the mail-file, the short-message file and the audio file are set, and then are automatically sent out via an operation system. The related information of the account payable is simultaneously transmitted to a visiting system and a client relationship management (CRM) system. A display showing status of the account payable is established via the visiting system, and used for a specific person to trace the account payable. The CRM system assists the specific person to get deficient information of the account payable. In another aspect, a bonus rate of the account payable can be calculated in accordance with the related information of the account payable and payment date. An account should be received from the assignor is thus obtained in accordance with the bonus rate and the real payment of the account payable. The operating system establishes a schedule of the accounts payable for automatically checking the real payment of each account payable, and then sends a debit note to the assignor.

Description

1271662 V. INSTRUCTIONS (1) 5 - 1 Field of the Invention: The present invention relates to an account receivable management and collection method, and more particularly to a method for managing and automatically performing accounts receivable collection operations by an operating system. 5 - 2 Invention Background: With the development of financial markets, competition among banks has become increasingly fierce. In order to attract more customers, banks have continuously expanded their business scope and provided more business projects to attract stability. Live more customers. Among the various businesses currently undertaken by banks, such as individuals, corporate general loans, credit card issuance, various loans such as home loans, auto loans and entrepreneurial loans, etc., all belong to the convenience business that provides customers with the first to enjoy post-paid. Although the above-mentioned businesses launched by banks can absorb more customers to maintain a competitive advantage, at the same time, banks also have to bear the risks of the above-mentioned businesses, such as the failure to comply with the customer’s personal integrity or economic situation. On-time payment or repayment, and the formation of many outstanding debts of banks, even become bad debts of banks. Moreover, in order to facilitate consumption and prevent counterfeit banknotes, people generally use credit cards instead of cash, so many banks provide credit card issuance services. Although this business can absorb many customers for each bank, at the same time, many credit card accounts have not been repaid as expected, and they have become the assets and liabilities of each bank.

1271662 V. INSTRUCTIONS (2) Moreover, the wireless communication industry is nowadays developed, and many telecommunications/telecommunications companies have responded. Everyone can enjoy the convenience of a mobile telephony system provided by various telecommunications/telecommunications companies. However, telecommunications/telecommunications companies are also facing the problem of mobile phone tenants overdue telecommunications charges. In addition, for example, product insurance companies or general companies may also encounter customers who fail to pay premiums, purchases, or repay loans. All of the above outstanding amounts become non-performing assets of banks, telecommunications/telecommunications companies, insurance companies and general enterprises. In order to solve the above-mentioned large and complex accounts receivable problem, it often requires a lot of human resources to invest in the collection and collection work. However, due to the limited human resources of banks, telecommunications/telecommunications companies, insurance companies and general enterprises, and accounts receivable management is not the main activity of this enterprise, it is impossible to conduct long-term and professional and effective account receivable tracking management, a professional operation. Asset management consultants are born to accept, such as the commission of banks, telecommunications/telecommunications companies, insurance companies and general enterprises, to carry out long-term and professional and effective account receivable tracking management and collection, to solve the huge and complex commission company Debt/bad debt problems, thereby reducing the financial burden on the entrusted company, making its finances more sound, and thus improving the overall economic and social asset quality. Such asset management consultants also need to establish an efficient and reliable accounts receivable management and collection process to effectively handle a large number of accounts receivable entrustment cases from various industries before all kinds of resources are limited. 5 - 3 Purpose and overview of the invention:

1271662

V. Invention Description (3) Law, which can be quickly, effectively and reliably ^Two types of accounts receivable management and rushing cases, and can be set up and fixed from the regular/tmi-type accounts receivable accounts. At your gentleman's Γ automatic execution of the dunning action, ~^^ Beiyuan and the recovery rate of the accounts receivable into the receivables p) that is another purpose of the present invention, which can be quickly, efficiently and reliably managed. The collection method of collection of accounts, which is set up to automatically carry out the types of accounts receivable for the various types of accounts receivable. To enhance the accounts receivable management personnel, the re-purpose of the present invention is to provide assistance to the entrusting company to have a 邳=彳^, a receivables collection method, accumulate too much, resulting in! 4; problem 'avoid the commission company due to stay According to the method described above. The method of the invention comprises the following: providing the information of the accounts receivable account receivables in the case of - accounts for 2 ^; - accounts receivable cases and establishing the trustee = division, product category, transfer hands. The case information includes the amount of support & According to the data of the database, the number of days in the period, the date of the entrustment, and the account of the I ^ accounts receivable case, = the number of the mail, the second amount, respectively, "corresponding: between, 鞞: file, collection of news files: reminder :Collect the voice file. Set 3 to - the operating system automatically accepts the action of the wu file. Execution of the action (1271662 V, invention description (4) case data is simultaneously transmitted to A reminder of the external visit system and a customer relationship management system. After the accounts receivable case information is transmitted to the electric reminder external visit system, a corresponding individual collection interface is established in the electric reminder external visit system. The collection personnel are connected with the electric reminder external visit system. The personal computer of the line can obtain the collection of the accounts receivable case. The collection personnel can judge whether to perform the external payment dumming action according to the receivables case data and the collection record of the collection. The collection personnel directly set the collection execution time of the mail collection file, the collection of the short message file and the collection of the voice file on the collection surface, or manually select the only way to adopt the method on the collection surface. The receivables are collected to avoid unnecessary waste of resources. Furthermore, through this customer relationship management system, it is possible to assist in obtaining insufficient case data from the entrusting company. The purpose and many advantages of the present invention are embodied by the following DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT, and with reference to the accompanying drawings, it will be apparent. 5 - 4 Detailed Description of the Detailed Description: The present invention provides an account receivable collection method which can effectively and reliably process/manage large items. Type accounts receivable cases, and can be set to automatically perform dunning actions frequently, in order to save huge human resources and improve the receivables return rate. The accounts receivable cases handled by the present invention are from various types of entrusted companies. Including banks, various enterprises, product insurance companies, credit card issuers, telecommunications/telecommunications companies, etc. The accounts receivable cases handled by the present invention may include credit cards, various bank loans such as general loans, home loans,

Page 10 1271662 V. Description of invention (5) Various types of insurance such as auto loans, salary loans and entrepreneurial loans, such as auto insurance, employee insurance, mortgage insurance, fire insurance and general insurance, various telecommunications charges and expenses. The receivable receivable collection method of the invention can assist each entrusting company to effectively deal with the problem of bad debts, and does not fail to load the dutiable accounts to collect the workload due to the shortage of manpower of the entrusting company, resulting in too much bad debts of the company and forming a financial burden on the company. The method of the present invention will be described in detail below by way of the following specific embodiments in conjunction with the accompanying drawings. The first to the first B diagrams are flowcharts of the steps of a specific embodiment of the receivable receivable collection method of the present invention. First, in step 100, provide a receivables case data, including the entrusting company, product category (case category), number of turnovers (referred to as a few hands), overdue days, commission period and commission amount. Then, in step 1 0 1 , the account receivable case data is established in a database, that is, the above related data of the accounts receivable case are respectively established in a database (step 1 〇1 1 to step 1) 〇1 6). In the present invention, the relevant information of the accounts receivable case is preferably established in a structured query language database, and the above-mentioned accounts receivable case related materials such as the entrusted company, the product category, the number of times of transfer, The overdue days, the commission date, and the commission amount are stored in a data table in the structured query language database (step 1 0 2 ). Refer to the second A to the second D,

1271662 V. Description of invention (6) Structured query language (structured qUery language) database Γ Established data sheets for various accounts receivable cases. The types of data stored in the grazing table of the second picture A to D are respectively corresponding to the company, the mouth of the product, the number of times of transfer and the number of days overdue.夫 I ΐ : A diagram of the tribute table includes at least three types of barriers such as parameter type, : months and parameter codes... parameter type storage company category eight: Shi: 1, law t, insurance industry and telecommunications corporation , Parameter Description Storage Request Diagram I Lum Γ A and Mai number code store the corresponding code of the commission company. The second B:, Z 案件 case category data sheet includes at least three fields such as parametric type; 4::f翏number code's median account receivable case type information (:K shell material) is stored in the second block &, including credit card, various ^ ^ ^ ^ I / speed car private, house t and salary loans, ^ drama, employee insurance, fire insurance and general, : sign:: etc. 'Where the bank / second child system · said this accounts receivable ^ up to mi. The number of turnovers of accounts receivable in the second c chart = three? Bits such as parameter type, parameter descriptions and parameters are several types of products. (referred to as a few hands) refers to a receivables case is already the first =, the Secretary undertakes 'one of them' 'this should The account receivable case, "three, " refers to this account receivable case has been transferred ^ a water by the euphemistic company to undertake the jn« " C7 乂 „ case i i # 气不不一一手" This account receivable has the following: the first stage of the second account before the delinquency of the first-time entrusted out of the 2 P _ accounts receivable case overdue days data sheet including the number of positions such as the number of dreams, age, & ^ m 夕° brother month and number of codes, where the parameter description

Page 12 1271662 V. Description of invention (7) The amount of overdue receivables for accounts receivable in accounts receivable cases, π 1 2 Ο π means that one account receivable has been overpaid for 120 days. If the receivables are not less than 180 days in excess of the number of days, they become the bad debts of the entrusted company. The overdue days of the accounts receivable case of the present invention are stored in the parameter list of the data sheet in units of 30 days. In addition, in the second picture, when the entrusted company is a telecommunications operator, the number of overdue days in the accounts receivable case can be changed to 〃 〃 〃, 〃 〃 〃 and β 退 〃 or 〃 〃 〃 and 〃 号电信 and other telecommunications operators are generally accustomed to using words to distinguish the current status of a receivables case. For example, a stop-and-go file means that the accounts receivable case is the first stage of entrustment after the company has suspended the call. The second-hand file of the leaseback refers to the fact that this account receivable case belongs to the stage of being transferred to the second company after the company has retired. The second-hand sales number refers to this account receivable case, which belongs to the stage of the second company being entrusted after being transferred to the company. Next, in step 1 〇 3, according to the account receivable case data in the database, respectively set a corresponding mailing file, a reminder message file and a collection voice file. After that, in step 1 〇4, according to the data of the accounts receivable in the database, when the amount of the accounts receivable is not less than a predetermined amount, for example, not less than the gins, the mail file is set separately. The collection execution time of the collection of the short message file and the collection of the voice file is automatically performed by an operating system. For example, in step 1 0 5, the mail collection file is automatically stored as a temporary file archive, and the envelope is automatically overprinted at the scheduled execution time (step 1 0 5 1 ) to be sent (step 1 0 5 2 ). In step 1 0 6~1 0 6 1 , the collection of the SMS file is set.

Page 13 1271662 ____ // ____' ---------------- """" — --- V. Invention Description (8) After the execution time of the action, That is, it is transmitted through a short message host at a predetermined execution time. In step 1〇7~1071, after receiving the execution time of the voice file, the host is broadcasted through the voice at the scheduled execution time. In step 1 0 2, establish various types of accounts receivable in the database.

After the information, these accounts receivable case data are simultaneously transmitted to the electric reminder system (step 1 0 8) and the customer relationship management system (C1 ient Relat ionshiP).

Management System) (Step 1 〇 9). After the accounts receivable case data is transmitted to the electric reminder external visit system, a corresponding individual collection screen is established in the electric reminder external visit system. This collection screen displays the above-mentioned case information, the personal data of the callee and the current case collection record. Moreover, according to the operating system of the present invention (named as a professional integrated account receivable operation module (PICK) internal setting, for example, according to the type of the entrusted company, each account receivable case is assigned to A specific collection person, the collection personnel can obtain the collection of the accounts receivable case through the personal computer connected with the electric reminder external access system. The collection personnel directly set up the collection mail file, the collection of the short message file and the collection on the collection screen. The action execution time of the voice file 'or select the only way to collect the receivables on the collection screen to avoid unnecessary waste of resources. In addition, the collection personnel can also check the status of the accounts receivable according to the collection. And its collection record, to determine whether to click on the function of the external visit reminder, the results of the external visit will also be returned to the database for the collection of inquiries for inspection.

Page 14 1271662 V. INSTRUCTIONS (9) The data of each type of accounts receivable in the database is simultaneously transmitted to the customer relationship management system (step 1 0 9). This CRM system serves as an aid to assist the entrusting company in obtaining accurate information or disputes in the case of a receivables case. When each type of accounts receivable case data is transmitted to the customer relationship management system, various receivable cases are distributed to individual customer service windows according to the internal settings of the system, for example, according to the type of the entrusted company, so as to The customer service window assists the entrusting company to obtain the correct information of the insufficient case information or the account receivable case information for the disputed case inquiry lacks the application process of the contact person of the callee, and the company can obtain this correct information. First, in step 3 0, click “Receive the receipt and you want to apply for the co-organizer to pick up the collection and pick up the supervisor. You can apply for the application according to this association, or directly to the management system. When collecting, the co-organizer will be written. Responsible for 3 0 3, responsible for the execution of the customer, in the customer relationship management, when the collection staff finds that there is insufficient information in the collection, or finds that there may be wrong information, such as the telephone number, the collection personnel only need to use the customer relationship management system through The third picture is the description of the application process of the co-sponsored order. The collection function of the collection personnel on the collection side is π to add a co-organized application form: the item is typed. Then, in step 3 0 2, on the side of the function menu on the π co-sponsored π, to collect the contents of the application form, decided to approve or return the revised content, and then send out the co-organized application form to the customer's customs supervisor to send a co-organized application form, at the same time On the reminder record. Next, a customer service window in the transaction of the household relationship management system

Page 15 1271662 V. Description of the invention (10) On the window function menu of the system, select “Process Coordination π to perform subsequent actions, and obtain the required case data from the entrusting company. Refer to step 3 0 4 and co-organize the single transaction. Upon completion, the collection personnel may also choose to sign or return the co-organized application form to the customer service window responsible for executing the co-sponsorship support, that is, return to step 3 0 3 to re-circulate the process. Furthermore, in step 3 0 2, the collection supervisor shall co-organize In the case of a single transaction, the co-organized matter is returned to the co-organized application form when the collection person can handle the problem or the co-organized matter is unknown. In step 3 0 5, the collection personnel select the π co-organized inquiry function on the collection menu. You can check the individual's returned application form to select the modified content or delete this co-organized application form. If the co-organized application form has been modified, it will return to step 3 0 2 and be re-approved by the collection supervisor. In another aspect of the present invention, a system automatic reconciliation request operation process is provided, which is referred to in the third step, step 4 Ο 1 to 4 0 8 , according to the present invention established in the database. The accounts receivable case information includes the entrusting company, the product category, the number of turnovers, the number of overdue days and the date of entrustment, and the date of repayment of the receivables, to compare the selected commission rate. Then according to the commission rate and the actual recovery amount, it is automatically obtained. The amount of money that can be requested from the entrusting company, and the system batch execution schedule and automatic reconciliation operation, then make a request to the entrusting company. The above description is only a specific embodiment of the present invention, not for The scope of the present invention is defined by the scope of the invention, and other equivalent changes or modifications which are made without departing from the spirit of the invention shall be included in the application below.

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Claims (1)

1271662 VI. Application for Patent Scope 1. A method for collection of accounts receivable includes: providing a receivables case; establishing the accounts receivable case information in a database, the accounts receivable case data including commission Company, product category, number of turnovers, number of days overdue, date of entrustment and entrusted amount; according to the information of the accounts receivable in the database, when the receivables of the accounts receivable case are not less than a predetermined amount, respectively And setting a corresponding reminder mail file, a reminder mail file and a reminder voice file; and respectively setting the reminder mail file, the reminder message file and an action execution time of the collection voice file, which are automatically executed by an operating system. 2. For the receivables collection method described in item 1 of the patent application scope, the above-mentioned accounts receivable case data is established in a structured query language database. 3. For the receivables collection method described in item 2 of the patent application scope, the above-mentioned accounts receivable case information including the entrusted company, the product category, the number of transfer times and the number of overdue days are respectively stored in the structure query language database. One of the corresponding data sheets. 4. If you apply for the account receivable reminder method mentioned in item 1 of the profit-making scope, it further includes transmitting the account receivable case data in the database to a power reminder external visit system to establish a collection receipt. In this way, the collection of the mail file, the collection of the short message file and the execution of the collection voice file can be controlled manually. Page 19 1271662 VI. Scope of application for patents. 5 · The method for collection of accounts receivable mentioned in item 1 of the patent application scope, which further comprises transmitting the data of the accounts receivable in the database to a remote reminder system to establish a collection screen, borrowing The collection of the case data and the collection record displayed on the face of the receipt to determine whether to click the external visit function to perform the collection action. 6. The method for collecting accounts receivable according to item 1 of the patent application scope, wherein the above-mentioned entrusted company comprises a bank, a credit card issuing company, a legal person, a product insurance company, a telecommunications corporation and a general enterprise. 7. The method for collection of accounts receivable as described in item 1 of the patent application scope, wherein the product categories mentioned above include credit card, bank loan, corporate loan, insurance fee, charge card and telecommunication fee, and accounts receivable of general enterprises. . 8. The method for collecting accounts receivable as described in item 1 of the patent application, wherein the above-mentioned overdue days are the number of days over which the accounts receivable have been overpaid. 9. The method for collecting accounts receivable according to item 8 of the patent application scope, wherein the above-mentioned bad debt is the number of overpayment days of the accounts receivable case is not less than 180 days. 1 0. If the accounts receivable collection method mentioned in item 1 of the patent application scope, Page 20 1271662 VI. Scope of Application The above-mentioned entrusted amount is the minimum receivable amount due. 1 1 · If the receivable collection method mentioned in item 1 of the patent application scope, the above-mentioned number of turnovers refers to the number of times the accounts receivable case has been handled by other industry players. In the case of the receivables collection method described in item 7 of the patent application, in which the product category mentioned above is the telecommunications fee, the number of overdue days is replaced by the type of limited call, stop-selling number and lease-off. 1 3. The method for collection of accounts receivable mentioned in item 1 of the patent application scope, which further includes the application of the receivables case data and the amount and date of receipt of the receivables established in the database. One commission rate, and automatically obtain a request amount. 1 4. The method for collecting accounts receivable according to claim 1 of the patent application, further comprising transmitting the account receivable case data in the database to a customer relationship management system, and managing according to the customer relationship The internal setting of the system distributes the accounts receivable case data to a customer service personnel to assist in the supplement of the accounts receivable case data. 1 5 . The method for collecting accounts receivable according to claim 14 of the patent application scope, which further comprises executing a co-organizing application process through the customer relationship management system, which includes: Page 21 1271662 VI. Application for Patent Scope In the function menu of one of the accounts receivable cases, select a collection cooperation function to add a co-organized application form and input the co-organized application. On the function menu of the collection of the accounts receivable case, select a co-organisation verification function to verify the co-organized application form. When the verification is correct, the co-organized application form is sent to the customer relationship. Management system; and The customer management system selects the co-organized application form of the accounts receivable case by selecting the co-organizing inquiry function on the window function menu of the own, and according to the co-organized application form, the co-organized application form is decided to sign the co-organized application form or return. The co-organized application form. Page 22