JP5984322B2 - Settlement arrears business management system, control method for settlement arrears business management system, settlement arrears business management system program, and recording medium - Google Patents

Description

  The present invention relates to a settlement arrears business management system, a control method for a settlement arrears business management system, a settlement arrears business management system program, and a recording medium.

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

  Among them, the biggest problem is the problem of non-payment of administrative expenses, which is the fund for large-scale repairs. In recent years, the number of non-payments has increased and the amount of non-payments has become large, so the screening standards cannot be cleared. Many condominiums are in a situation where they cannot receive borrowings from JFC and other financial institutions and cannot even consider construction. Furthermore, since large-scale repairs cannot be carried out due to lack of funds, this results in a vicious circle of further decline in the value of condominium assets.

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

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

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

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

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

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

In addition, comprehensive member stores sign a comprehensive member store contract with each card company, such as shopping malls, chain store headquarters, oil retailers, card payment agency,
A system that opens a payment service for the card to companies (store child merchants) that satisfy certain conditions, and the general merchant stores card sales with each card company on behalf of the store child merchants. It is widely known in the same industry to perform operations such as processing and receipt of advance payment.

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

  In this way, with respect to the prior art relating to fixed amount and repeated payment, for example, as disclosed in Japanese Patent No. 4926282, although consideration is given to paying a lease with a credit card or the like, the management cost of a condominium There was no consideration for payment methods. Furthermore, no consideration is given to the processing of past claims that have already been paid.

  As described above, with respect to rent, etc., regarding the technical idea of reducing the effort to find joint guarantee, reducing initial burden such as security deposit, security deposit, key money, etc. As disclosed in Japanese Patent No. 187035, monetary time can be provided to tenants, real estate management companies, and leasing companies related to rental properties through, for example, a payment guarantee function by credit card processing, a real estate management company, and an intermediary company. Although consideration was given to reducing the recovery risk such as administrative burden and administrative costs, the response in case of default was not fully considered.

  As for the technical idea of guaranteeing a debt using a credit card or the like, for example, as disclosed in International Publication No. WO 01/054013, a collection mechanism relating to payment provided by a credit issuer is used to It is possible to collect administrative expenses, etc. related to divisional ownership, but if the administrative expenses etc. cannot be withdrawn from the financial institution account etc., the credit card issuer will be the real estate broker for a predetermined number of months Although it is considered to pay in advance, etc., not only will it be impossible to collect credit card payments after the default, but the subsequent credit card will be issued to the condominium owners who were unable to withdraw. The apartment owner will not be able to use a credit card, etc. There is a possibility, but for this was not taken into consideration.

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

  In order to solve the above problems, by constructing a system that exceeds the framework of existing condominium management associations and management companies, in addition to the problem of delinquencies such as condominium management costs that are likely to occur in the future, The purpose is to provide a system for smoothly proceeding with procedures for comprehensively and reliably collecting delinquent funds, including past claims that have been delinquent. To that end, apart from condominium management associations and management companies, not only settle management expenses, but also charge a certain amount of commission, etc., as a consideration to replace all management expenses without delay. It is assumed that there is an entity in charge of non-payment guarantee work and / or an entity that advises on collection of administrative expenses.

To solve the above problem,
A payment agency delinquency management system for business consignment and / or advice related to settlement and delinquency of expenses including management costs for condominiums, the system comprising at least a management device database and a management device server Management system as a business entity in charge of business and / or advisory business, a condominium management union comprising at least a customer device memory and a customer device processor, or a customer system having a decision capability equivalent to that of the union, and a trust organization system having a trust function A beneficiary representative system for lawyers or legally qualified persons, and a financial institution system for finance,
Processing required for entrusting outsourcing and / or advisory services to a subcontractor with respect to the settlement and delinquency in the condominium management association stored in the management device database or having the same determination capability as the union To determine the applicable condominium management association as a subcontractor and / or advisory business based on information indicating that it is effective and effective by a management association First storage means for storing necessary information and the determination result;
Means for displaying information stored by the first storage means;
As a business consignment to the contractor regarding the settlement and non-payment,
Information necessary for transferring expenses including the condominium management cost of the category owner to the trust account of the one having the trust function, and information relating to the result of transfer to the trust account by information transmitted from the one having the trust function And information regarding the result of trust preservation of expenses including the condominium management cost of the category owner transferred to the trust account, although having the trust function, and a trust transmitted from the financial institution or an equivalent business function Second storage means for storing information relating to a result of maintenance, and information relating to a result of canceling the trust including the condominium management cost transmitted from the financial institution or an equivalent business function;
Means for displaying information stored by the second storage means;
As a business consignment to a contractor regarding the settlement and non-payment,
Regarding the reimbursement payment for the business consignment, the financial institution or an equivalent business function is calculated by subtracting the fee related to the expenses including the condominium management expenses for the fixed period from the expenses including the condominium management expenses for the segment owner for the fixed period. Means for calculating the information necessary to make a reimbursement payment from the possession to the condominium management association;
Third storage means for storing the calculated information;
Means for displaying the information stored by the third storage means;
As part of outsourcing and / or advising to the outsourcer regarding the settlement and non-payment,
A means for calculating the amount of deposits, non-payments, and expenses required to collect non-payments for each period, including administrative expenses for a certain period,
Means for calculating the total amount of the non-payment amount and the cost required for collecting the non-payment for each owner,
Fourth storage means for storing information relating to the result by the means for calculating;
Means for displaying information stored by the fourth storage means;
As part of outsourcing and / or advising to the outsourcer regarding the settlement and non-payment,
Means for calculating the non-payment amount and the cost required for collecting the non-payment for each management association;
Fifth storage means for storing information relating to the result by the means for calculating;
Means for displaying the information stored by the fifth storage means,
further,
The settlement means for expenses including the condominium management expenses are as follows:
Sixth storage means for storing information relating to at least one of account transfer, credit card payment settlement, and convenience store payment settlement, and information relating to which settlement means for the transfer or settlement,
Means for displaying information stored by the sixth storage means,
Also,
When a card is used for payment of the cost including the condominium management fee, seventh storage means for storing information relating to the customer system as the store member store in the customer column on the management device database of the management system as the comprehensive member store When,
Means for displaying the information stored by the seventh storage means,
Furthermore,
When using a card for payment of expenses including the condominium management fee, for a customer system that is a store child member store specified by information stored in the customer column on the management device database of the management system that is a comprehensive member store In performing payment services by card companies,
Concerning card payment of expenses including condominium management expenses,
(1) Information regarding the date of issue of the cancellation slip in the management system regarding the cancellation slip issuance request transmitted from the card company, or (2) Accrual regarding expenses including condominium management costs transmitted from the card company After the receivables are held for a certain period of time, information on the date of sale sent by the card company
Is stored as the eighth storage means,
Means for displaying the information stored by the eighth storage means,
Also,
When a card is used for payment of the cost including the condominium management fee, ninth storage means for storing information on the type of the card;
Means for displaying the information stored by the ninth storage means,
further,
A tenth storage means for storing information relating to a credit line amount for payment of the cost including the condominium management cost in the card when using the card for payment of the cost including the condominium management cost;
Means for displaying the information stored by the tenth storage means,
Furthermore,
An eleventh storage means for storing information that does not actually issue the card as a card used for payment of the cost including the condominium management fee;
Means for displaying information stored by the eleventh storage means,
further,
A twelfth storage means for storing information relating to points to be given according to the amount of use of the card when a card is used for payment of expenses including the condominium management fee;
Means for displaying the information stored by the twelfth storage means,
Also,
Thirteenth storage means for storing information relating to a result of applying the given points to payment of expenses including the condominium management expenses;
Means for displaying the information stored by the thirteenth storage means,
Furthermore,
A payment agency delinquency management system for business consignment and / or advice related to settlement and delinquency of expenses including management costs for condominiums, the system comprising at least a management device database and a management device server Management system as a business entity in charge of business and / or advisory business, a condominium management union comprising at least a customer device memory and a customer device processor, or a customer system having a decision capability equivalent to that of the union, and a trust organization system having a trust function A beneficiary representative system for lawyers or legally qualified persons, and a financial institution system for finance,
Fourteenth storage means for storing information on the date on which information on the actual condition of the person who has been delinquent including the condominium management fee is collected;
Means for displaying the information stored by the fourteenth storage means;
Fifteenth storage means for storing information relating to the date of preparation and presentation of a repayment plan to the delinquent,
Means for displaying the information stored by the fifteenth storage means,
further,
A sixteenth storage means for storing information relating to the fact that a legal procedure for settlement for the delinquent is performed;
Means for displaying information stored by the sixteenth storage means;
Means for grasping the repayment status by means of performing the legal procedure;
Seventeenth storage means for storing the means for performing the legal procedure and information on the repayment status;
Means for displaying the information stored by the seventeenth storage means.

  In the operation of the condominium management association, the existence of the condominium management company, condominium manager, etc. cannot be ignored, but here it is not particularly distinguished as being integrated with the condominium management association.

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

  In addition, if a credit card has been unpaid, the owner of the condominium that has been unpaid with a credit card by issuing a cancellation slip for unpaid receivables or selling the unpaid receivables to a debt collector will receive another credit card. It is possible to prevent the invalidation process and the new card issuance stop process target.

  Furthermore, regarding card settlement, the business entity is a comprehensive member store, and the condominium management association is a store child member store. In addition, as described above, a comprehensive member store is a member store that assembles a plurality of store child member stores, and in the case of dealing with a card company on behalf of the store child member stores, An entity in charge of business and / or an entity that advises on collection of management expenses, etc., can construct a system for collectively receiving payment by card from the condominium classification owner for management expenses. Furthermore, with regard to the mechanism of comprehensive member stores and store child member stores, the parent member relationship between the general member store and the store child member store is separated, for example, the member member store and the store child member store partner, It is also possible to build a mechanism for processing administrative expenses such as affiliation between member stores. Furthermore, in the event that payment by credit card is defaulted, the credit card will be deducted from the entity in charge of the above-mentioned settlement agency non-payment guarantee business by issuing a cancellation slip for the sales of the corresponding default. By canceling sales to the company, not only the credit card company's debt is taken over, but, for example, after the credit card company holds the debt for a certain period, the non-performing portion is taken as the credit, for example, not only the debt collector but also the payment agency delinquent By selling to the entity responsible for the guarantee business, it will be possible to withdraw debt from the card company. In addition, when paying with a house card specialized in administrative expenses, etc. instead of a card that can be used in a wide range of member stores like so-called credit cards, a house card specialized in administrative expenses etc., for example, a credit card By securing funds in an account of another financial institution and making payment from here, it becomes possible to separate from normal purchase of goods. Furthermore, points or the like for providing various services or the like can be given according to the payment amount of the management fee or the like related to the management fee or the like by the credit card.

  Furthermore, in the first embodiment of the present invention, regarding the delinquent problem such as condominium management costs, it is not only possible to easily grasp the delinquency status by owner of condominium management costs, etc., or the entire apartment, and it is only possible to make reimbursement payments. Rather, the procedure for collecting past claims that have already been delinquent can be facilitated. Furthermore, in the second embodiment of the present invention, accurate advice regarding collection of condominium management costs, etc., and advice for smoothly proceeding with procedures for collecting past claims that have already been delinquent. Alternatively, it is possible to outsource business to specialized entities. Further, in the third embodiment, it is possible to smoothly proceed with the final collection of receivables in the business entity in charge of the payment arrears guarantee business before reaching the legal procedure.

It is a functional block diagram of the whole system concerning the present invention. It is a block diagram of the management system which concerns on this invention. It is a block diagram of the customer system which concerns on this invention. It is a customer management union data table concerning the present invention. It is a customer division owner data table concerning the present invention. It is a future claim processing trust maintenance time table according to the first embodiment of the present invention. It is a flowchart regarding the information storage process to the customer management association data table which concerns on this invention. It is a flowchart regarding the information storage process to the customer management association data table which concerns on this invention. It is a data table for settlement according to division owner concerning the present invention. It is a payment means timetable which concerns on this invention. It is a payment progress data table concerning the present invention. It is the advice future claim processing trust maintenance time table concerning another embodiment of a 1st embodiment of the present invention. It is an advice settlement means timetable which concerns on another embodiment of 1st Embodiment of this invention. It is a card | curd process timetable which concerns on 1st Embodiment of this invention. It is a card | curd process 2 timetable which concerns on 1st Embodiment of this invention. It is a card | curd process 3 timetable which concerns on another embodiment of 1st Embodiment of this invention. It is a card | curd process 4 timetable which concerns on another embodiment of 1st Embodiment of this invention. It is a bond sale timetable which concerns on 2nd Embodiment of this invention. It is a past claim collection timetable concerning a 3rd embodiment of the present invention. It is a past credit acceptance data table concerning a 3rd embodiment of the present invention. It is a past claim collection progress data table concerning a 3rd embodiment of the present invention.

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

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

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

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

  First, the customer management association data table 40 will be described with reference to FIG. It is assumed that the customer management association data table 40 is developed on the management apparatus DB 21 by processing the management apparatus server 22 according to a program in the management system 20, for example. The customer management association data table 40 stores customer information such as information in the customer identification field 4001, information in the customer name field 4002, information in the customer address field 4003, information in the customer representative field 4004, information in the contract establishment field 4005, and the like. To do. The customer identification column 4001 is provided with, for example, a customer 1 column 401, a customer 2 column 402,..., And the like, and can manage a plurality of customers. When the display of the customer management association data table 40 is requested, the display range may be limited depending on the operator.

  Next, a procedure for storing information in each column of the customer 1 column 401 will be described with reference to FIGS. It is assumed that the input to the customer management association data table 40 is performed from the management input device 24 of the management system 20 according to a customer management association information input screen (not shown) displayed on the management output device 23, for example. First, in the business entity in charge of the payment proxy non-payment guarantee business, it is determined whether or not the customer management association is a new customer registration (S701). , Stored in the customer name column 4002 of the customer 1 column 401. Similarly, information such as “Minato-ku XXX in Tokyo” is stored in the customer address field 4003, and “◯ × unevenness” is stored in the customer representative field 4004, for example (S702). The new customer registration information may be stored together with image information such as a public certificate in addition to the input information from the keyboard or the like. Also, information created by another system or the like may be transmitted to the management system 20 via the network 10, for example.

  When storage of customer registration information is completed, information necessary for business development is stored. For example, in the condominium management association of the customer 1, regarding the delegation to the entity in charge of the payment proxy non-payment guarantee business, if a resolution is established at the general meeting, etc., information “approved” is displayed in the general meeting resolution column 4008. Store (also referred to as “approved” storage, the same applies hereinafter) (S705, S706). Next, if the contract and / or the contract regarding the delegation to the entity responsible for the payment proxy non-payment guarantee business is valid according to the resolution at the general meeting, “valid” is stored in the contract column 4009 ( S707, S708). Thereafter, similarly, information necessary for the management agreement column 4010, the memorandum column 4011, the examination result column 4012, the trust organization contract column 4013, the lawyer contract column 4014, the past claims column 4015, the partner fund contract column 4016, the customer account information 4017, etc. Store.

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

  In storing “completed” in the contract processing column 4005, the consignment management is managed as a result of entrusting the payment proxy non-payment guarantee business to a consignee (the business entity in charge is also referred to as a consignee). In addition to the required items such as outsourcer, entrustment details, business start date, etc. in the required documents such as regulations, as a settlement means for settlement agency business, for example, credit card payment specified by the outsourcer, predetermined storage of the outsourcer For example, it is determined by a predetermined judge that the convenience store payment by postcard and / or the payment by the account transfer specified by the trustee is accepted, and the result is reflected in the contract processing column 4005. It shall be.

  A description will be given of a specific business development of the settlement proxy non-payment guarantee, which is the next stage when the contract processing column 4005 is “completed”. FIG. 5 shows a customer category owner data table 50. The customer category owner data table 50 is expanded, for example, in the management system 20 by being processed by the management apparatus server 22 according to a program, and includes a title column 501, a management item column 502, and each category owner information. The section owner 1 information column 5001, the section owner 2 information column 5002, the section owner 3 information column 5003,. Further, the management item column 502 includes a room number column 5021, a division owner code column 5022, a payment method column 5023, a change column 5024, a repair reserve column 5025, a management fee column 5026, a total management fee etc. column 2027, and a fee column 5028. ,..., A total column 5029 and the like.

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

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

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

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

  The customer category owner data table 50 has been described above. Hereinafter, the category owner-specific settlement data table 80 that stores information related to the settlement processing for the settlement proxy guarantee service will be described with reference to FIG. For example, in the management system 20, the classification owner settlement data table 80 is expanded on the management apparatus DB 21 by being processed by the management apparatus server 22 according to a program. A section owner 1 settlement information field 8001, a section owner 2 settlement information field 8002, a section owner 3 settlement information field 8003,... Further, the settlement management item column 802 includes a category owner code column 8021, an account transfer financial institution column 8022, an account number column 8023, a credit card number column 8024, a convenience store postcard destination column 80241, a house card number column 8025, A cardless column 8026, a management fee credit column 8027, a cancel slip issue column 8028, a point column 8029,. For example, information “1233401001” is stored in the category owner code column 8021 of the category owner settlement management item column 8001, as in the customer category owner data table 50 shown in FIG. It should be noted that the information of the two data tables is processed as a unit because the category owner codes of the customer category owner data table 50 and the category owner settlement data table 80 are the same. Other details are based on the customer category owner data table 50.

  Next, as a first embodiment, a specific processing method related to entrusting settlement proxy non-payment guarantee business will be described. In accordance with the settlement means specified in the management rules, etc., processing is performed as follows at the consignee.

  First, a description will be given of a process related to a predetermined account transfer by an entity in charge of a settlement agent non-payment guarantee business based on the management rule. The entity that is in charge of the settlement agency payment guarantee service that is the consignee, for example, via the condominium management association, for example, the condominium management association sends the necessary documents to each category owner according to the advice of the consignee, and the condominium management association For example, regarding the transfer of the management fee or the like due to the account transfer to the account specified by the entrustee in the customer account number column 4017, a request is made to return the document after preparing a document for performing the transfer process. The consignee fills in the necessary items in the returned document and sends it to, for example, a storage agent company (not shown) acting on behalf of the storage operation, and waits for the examination results of the storage agent company and the financial institution to end. When this examination is completed, necessary information such as account transfer financial institution information and account number is stored in the account transfer financial institution column 8022 and account number column 8023 of the corresponding category owner code. For example, if the account transfer financial institution field 8022 of the category owner code “123401001” is “0987” and the account number is “5423XXX”, as shown in FIG. 8, the corresponding category owner settlement management is performed. In the item column 8001, information “0987” is stored in the account transfer financial institution column 8022 and information “5423XXX” is stored in the account number column 8023.

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

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

  In addition, even if it is a general credit card, for example, if the purpose of use of the card is the same as the purchase of goods etc., the borrowing of cash etc. For example, when “-(hyphen)” is stored in the house card number field 8025 of the category owner 3 settlement information field 8003 and a credit for payment of administrative expenses, etc., is given 500,000 yen, For example, information “500,000 yen” is stored in the equal credit column 8027. In the case of a general credit card that does not have a credit frame specified for payment of rental management expenses, for example, “-(hyphen)” is stored in the management expenses credit field 8027, and the rental management expenses etc. Indicates that the specified credit line does not exist. As a result, it is possible to recognize that the card is limited to the purpose of payment of administrative expenses and the like and the credit is set from the information in the house card number field 8025 and the administrative expenses credit field 8027.

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

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

  In addition, when each data table is stored in, for example, the management apparatus DB 21, the storage in each item column is stored by the management apparatus server 22 according to a program. Further, the information in each item column is transmitted from the trust organization system 201 or the like via the management apparatus interface 26 via the network 10 even if it is input by the operator from the management input apparatus 24, for example. Based on this, the management apparatus server 22 may perform the processing.

  Next, in the first embodiment, how to use the information in the customer category owner data table 50 to proceed with the payment proxy non-payment guarantee business, as shown in FIG. It explains according to. The management fee of each condominium is billed monthly (6001), and payment is always made for this, but in the case of settlement agency stagnation guarantee, for example, on the 5th of every month, the management system 20 via the network 10 Then, when each financial institution is requested to transfer the account from the account of each category owner, the subsequent deposits shall be processed as deposits for administrative expenses, etc. for that month. However, the deposit is transferred from each category owner (6002) to a trust account of a financial institution (6003) that performs trust business, such as a trust bank, shown in the trust organization contract column 4013 of the customer management association data table 40 Each financial institution transmits this payment information to, for example, the management system 20 via the network 10, for example, and the management system 20 confirms payment based on this information. For example, when there is a deposit such as an administrative fee from the section owner of the room number 101 of the customer code 123400, for example, the deposit information is transmitted from the trust organization system 201 to the management system 20 via the network 10, and based on this information. In the management system 20, the category owner 1 information column 5001 corresponding to the room number 101 of the customer category owner data table 50 for the corresponding month is assumed to have been paid, for example, the display is black shaded, and the non-paid category ownership (Not shown). When deposit information is transmitted from each financial institution or the like to the management system 20, for example, segment owner codes (5022, 8021) may be used as information for determining each segment owner. Further, for example, for a certain year and month, the sum of the amounts stored in the total column 5029 of the customer category owner data table 50 is the total amount received, and the total amount not stored is the total amount not yet received. May be stored separately in a data table (not shown). Further, for example, a predetermined amount may be calculated as a business fee for the management of the apartment management association for a certain year and stored separately in a data table (not shown). Furthermore, the fee required for collection of administrative expenses etc. by the business entity may be included in the fee. Further, the sum of the non-payment of the same category owner stored in the customer category owner data table 50 for all years becomes the total of the non-payment of the category owner, which is added to a separate data table (not shown). ) May be stored.

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

  Each category owner deposits money into each financial institution, etc., and each time the beneficiary agent gives an instruction to conserve the trust, but at the end of the month, all the trusts instructed by the beneficiary agent are canceled. (60051) and, for example, in the management system 20, after calculating the amount obtained by subtracting the fee from the total amount of management expenses, etc. related to the apartment, the management system 20 is contacted via the network 10 to the trust organization system 201, Reimbursement payment is made to (6006) (6007). In order to enable such advance payment, the entity (outsourcing party) (6010) in charge of settlement proxy non-payment guarantee business deposits the deposit to the financial institution performing the trust business (6011), If surplus is generated, it shall be returned (6012).

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

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

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

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

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

  Next, with respect to detailed processing related to payment by credit card, a card processing time table shown in FIG. 13 is taken as an example in which the entity in charge of the settlement guarantee guarantee business is a general member store and the condominium management association is a store child member store. Detailed description will be given according to 130. The card processing time table 130 includes a division owner (card owner) column 13011, a card company column 13012, an entity (general member store) column 13013 in charge of settlement agency delinquency guarantee business, an apartment management association (store child member store). A column 13014 is provided, and each of the above-mentioned columns 13011 to 13014 further includes a card company normal processing column 1312, a card company non-accrual processing column 1313, and a settlement agent non-payment guarantee business entity processing column 1314. From the credit card company, since the entity in charge of the payment proxy non-payment guarantee business is regarded as a general member store, and the condominium management association is regarded as a store child member store, the columns 13013 and 13014 indicate the general member store and the store child member store. Are displayed in parentheses. The comprehensive member store is a member store that collects a plurality of store child member stores as described above, and serves as a contact point with the card company on behalf of the store child member stores. In addition, contracts for inclusion / store child are usually entered into between general member stores and store child member stores, but contracts exist if they function substantially in the same manner as the general / store child relationship. It doesn't have to be.

Now, when the category owner pays the card, the financial institution or the like transfers, for example, the administrative expenses or the like from the account of the financial institution or the like designated by the category owner to the card company on a predetermined date, for example (13121). Usually, the card company pays the total amount corresponding to the corresponding administrative expenses to the business entity (general member store) in charge of the settlement proxy non-payment guarantee business before it is transferred from the account of the section owner (13122). ). In this way, with regard to payment of administrative expenses etc. by card, even if there is a shortage of balance etc. due to account transfer of a financial institution designated by the divisional owner, payment of administrative expenses etc. is delayed and unpaid (13131) company makes a guarantee, an entity that is responsible for clearing arrears assurance, bulk payment Ru been made as comprehensive merchant. On the other hand, the entity in charge of the settlement agency non-payment guarantee business, which is a comprehensive member store, sorts the total amount of management expenses received, etc., into apartment management associations and pays them to the apartment management association, which is a store subsidiary member store ( 13123). In the unlikely event that payment by the card of the category owner is delayed (13131), for example, according to the arrangement between the card company and the entity in charge of the payment arrears payment guarantee business, Is guaranteed (13132).

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

  In order to prevent such debt processing and card member withdrawal, the credit card company side determines that the unpaid by the owner is confirmed (13134). On the other hand, a request is made to issue a so-called cancel slip regarding the sales to the section owner regarding the corresponding management cost (13136). In response to this, in the business entity in charge of the settlement agent non-payment guarantee business, for example, the business in charge of the settlement agent non-payment guarantee business by canceling the sales by the cancellation slip processing for the charge of 150,000 yen for the administrative fee etc. to the division owner 1234011001 Although the payment to the body is reduced by 150,000 yen, since the advance payment such as the management fee has already been received, 150,000 yen is refunded to the card company (13141). Furthermore, you may charge the entity which advises from the card company about the expense concerning cancellation slip processing. As a result, the credit card company will eliminate the non-payment liability. On the other hand, the entity in charge of the payment agency non-payment guarantee business pays 150,000 yen refunded to the card company (13144), thereby giving the classification owner the administrative expenses and the expenses related to the cancellation slip processing. Non-payment reminder is requested from the entity responsible for the settlement agency non-payment guarantee business for collection (13142), and if it does not respond to the reminder, it is collected directly (13143). Receivables are collected through legal procedures. In addition, when a privilege such as points is given for card payment, the unaccrued portion of management expenses and the management expenses that will be generated may be offset by points. Further, the point result after canceling may be stored in the point column 8029, for example.

  As described above, the case where the entity in charge of the payment agency guarantee guarantee business is a general member store, the condominium management association is a store child member store, or the case where it has the same function as the comprehensive / store child relationship has been described. With regard to this explanation, the number of store child member stores may be plural or single. In addition, a store child member store may be a store child member store of a plurality of comprehensive member stores. Alternatively, for example, the business entity in charge of the payment proxy non-payment guarantee business and the condominium management association may function as an integrated business entity through a business alliance or the like. This is shown in the card processing 2 time table 140 of FIG. The details of FIG. 14 are the same as those of FIG. Furthermore, as a result, if it functions in the same way as the present application, not only the entity in charge of the payment agency non-payment guarantee business, the condominium management association, but also the card company, the whole or any two entities are integrated. For example, in each of the departments, the card processing time table 130 and the card processing 2 time table 140 may be in charge of the card company, the business entity in charge of the settlement proxy non-payment guarantee business, or the business of the condominium management association. In addition, as an entity in charge of settlement agency delinquency guarantee business, for example, an entity that conducts management operations for condominiums owned by individuals, individuals, entities that consign management services, etc. It corresponds to the thing. Contrary to the above, even if there are many business entities under the store child member stores, such as several condominium management associations, or each business entity outsourcing the business, it does not matter. Absent.

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

  In this way, when the management fee is charged and the payment is made normally, the above processing is repeated every month, for example, so that the management fee can be collected without delay, but there was a delinquency In such cases, a lawyer or the like will perform a non-payment clearing process. In addition, in cases where delinquency is long-term, or before the entity in charge of settlement proxy non-payment guarantee business entrusts non-payment guarantee work, it is also entrusted with the processing of past receivables due to non-payment that has already occurred. If the total amount of delinquency included is high and there is a risk of exceeding the property evaluation value, for example, a partner is signed in the lawyer contract column 4014 of the customer management association data table 40. For example, for a financial institution that has a contract in the fund contract column 4016, it performs brokerage of business relating to property purchase, and stores information related to the brokerage and information related to brokerage contracts. In the case where a privilege such as points is given for card payment, the unaccrued portion of administrative expenses and the administrative expenses that will be generated in the future may be offset by points.

Incidentally, shown above, future debts Trust preservation time tables 60, wherein (6001) delinquent liquidation from (6013), the payment means timetable 90, a series of state of the preceding (9001) to accrued determined (9012) For the collection by the lawyer and the brokerage by the partner fund company, for example, the management system 20 performs information processing. The payment progress data table 100 for storing information on the progress of payment will be described below with reference to FIG. It explains according to.

  The payment progress data table 100 is expanded on the management apparatus DB 21 by processing by the management apparatus server 22 according to a program, for example, and includes a progress title column 1001, a progress management item column 1002, and settlement progress of each category owner. A section owner 1 progress information column 10001, a section owner 2 progress information column 10002, a section owner 3 progress information column 10003,... In the progress title column 1001, for example, information “January 2013” is stored regarding the year and month for which progress management is performed, and the year and month of the payment progress data table are clearly indicated. Furthermore, the progress management item column 1002 includes a category owner code column 10021, an account transfer request date column 10022, an account transfer deposit date column 10023, a credit card payment request date column 10240, an accrued date of occurrence. Column 10241, unpaid final date column 10242, cancellation slip issue date column 10243, advance payment return date column 10244, repayment date column 10245, bond sale date column 10246, convenience store payment date Column 10025, Convenience store payment date column 10026, Trust maintenance date column 1000028, Accrued settlement column 1000029, Purchase purchase column 10291, Brokerage agreement column 10292, and so on. For example, in the category owner code column 10021 of the category owner 1 progress information column 10001, the customer category owner data table 50 shown in FIG. 5 and the category owner settlement data table 80 shown in FIG. , Information “123401001” is stored. In addition, since the segment owner codes of the customer segment owner data table 50, the segment owner settlement data table 80, and the segment owner settlement data table 80 are the same, the information in the three data tables is the same segment owner. It shall be processed as information. The other details are based on the customer category owner data table 50 and the category owner settlement data table 80.

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

  The information processing of the payment progress data table 100 in the account transfer has been described above. Regarding credit card payment and convenience store payment, the credit card payment request date column 100240, the convenience store payment request date column 10025, and the convenience store payment Each column such as the year / month / day column 10026 is processed in the same manner as the account transfer. If there is no payment for any of the charges and the unaccrued payment is confirmed, for example, the management system 20 stores the information “probability” in the unpaid confirmation column 1000029. Furthermore, with regard to the result of non-payment settlement processing, for example, when the brokerage agency has been engaged in the purchase business, the information “purchase” is displayed in the purchase order column 10291. Information “contract” is stored in 10292.

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

  Next, another embodiment of the first embodiment will be described. In the credit card payment according to the first embodiment, when a non-accrual occurs, a cancellation slip is issued. However, in another embodiment of the first embodiment, the cancellation slip is not issued and the card company is unaccounted for. The management expenses are treated as credits of the credit card company. Of the payment process using a credit card, the normal process is the same as in the first embodiment.

  Hereinafter, specific business development of another embodiment of the first embodiment will be described according to a bond sales time table 170 shown in FIG. The receivable sales time table 170 includes a division owner (card holder) column 17011, a card company column 17012, a settlement agent non-payment guarantee business entity or an advisory business entity (general member store) column 17013, and an apartment management association (store child member store). The column 17014 includes a card company normal processing column 1712, a card company non-accrual processing column 1713, and a bond processing column 1714. With regard to card processing, for example, when a payment agency non-payment guarantee business entity is a comprehensive member store and a plurality or a single condominium management association is a store child member store, the payment agency non-payment guarantee business entity shall Do business. These details are based on the card processing time table 130 in the first embodiment.

Now, when the divisional owner pays the card, the financial institution or the like transfers the cost equivalent including the management fee from the account of the financial institution or the like designated by the divisional owner to the card company on a predetermined date, for example (17121). . The credit card company usually pays the total amount equivalent to the cost including the corresponding administrative expenses to the settlement agency guarantee advisory entity or advisory entity (general member store) before it is transferred from the account of the section owner. (17122). In this way, with regard to the payment of expenses including administrative expenses with cards, there was a shortage of balance in account transfers of financial institutions designated by the divisional owner, etc., and the payment of expenses including administrative expenses was delayed and unpaid (17131) Even in such cases, the credit card company guarantees, and the payment agency delinquency guarantee business entity makes a lump sum payment as a comprehensive member store. On the other hand, the settlement agency non-payment guarantee business entity which is a comprehensive member store sorts the total amount including the received management fee into the apartment management association and pays it to the apartment management association which is the store affiliated store (17123). . Should the case situation in which the payment by Segment, the owner of the card stagnates has occurred (17131), in accordance with arrangements for example, a card company and the settlement agent delinquent guaranteed entities or advice entities, card companies, for example, one month non-payment Minutes are guaranteed (17132).

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

  With regard to such debt processing, in another embodiment of the first embodiment, even if the card company determines that the receivables by the segment owner have been confirmed (17134), the card company will continue to hold claims. The non-payment confirmation notice (17137) is made to the settlement agency non-payment guarantee business entity which is a comprehensive member store. Furthermore, the non-payment reminder is sent from the credit card company regarding the collection of administrative expenses, etc. and costs related to uncollected processing (17142), and if it does not respond to the reminder, it is collected directly (17143). Will collect debts through legal procedures, even in response to some reminders. Note that, as described in the first embodiment, when a privilege such as points is given for card payment, unpaid expenses including management costs and management costs that will be generated in the future may be offset by points. In addition, if a certain period of time, the loan is sold to a debt collector, etc. (17138), and the claim is dealt with. (17144), for example, in the settlement agency non-payment guarantee business entity, for example, when the sale date of the receivable is September 27, 2013, the receivable sale date column 10246 of the payment progress data table 100 is displayed. , “250927” is stored. Even if non-payment of administrative expenses, etc. occurs, if you continue to be charged by card, and further non-payment occurs, these liabilities are added together and managed by category owner. It may be stored in (not shown). Furthermore, the credit sales sold from the card company may be purchased by, for example, a settlement agent non-payment guarantee business entity. Note that information such as the above-mentioned unpaid confirmation, non-accrual confirmation communication, collection of receivables, point offsetting, purchase and sale of receivables, expenses for sales of receivables may be stored in a separate database (not shown) or the like in a card company system, for example. Absent. In addition, the information related to the cost of selling the receivable may be separately managed in the management system 20 and the customer system 30, for example, and stored in a data table (not shown), for example.

  The relationship between the comprehensive member store and the store child member store is the same as that in the first embodiment. Furthermore, for example, in the case where the settlement agency non-payment guarantee business entity and the apartment management association function as an integrated business entity, not only the settlement agency non-payment guarantee business entity and the apartment management association, but also as a business entity including card companies Also in the case of functioning as an integrated unit, as a condominium management association, for example, an entity that manages a condominium owned apartment, an individual, an entity that has entrusted the administrative work, etc., collects administrative expenses etc. in the divisional ownership In some cases, not only the entity in charge of the payment agency delinquency guarantee business, the condominium management association, but also the case where the whole or any two entities are integrated as a business entity, including card companies, and settlement is also possible. As an entity responsible for agency delinquency guarantee business, for example, an entity that performs management operations on condominiums owned by individuals, individuals, management businesses In the case of collecting administrative expenses, etc. under divisional ownership, etc., which are entrusted to the company, there are several condominium management associations under the store child member stores, Even when a large number of business entities exist, for example, when a business entity entrusts the work, it is assumed to be in accordance with the first embodiment.

  Next, a second embodiment of the present application will be described. In this other embodiment, the business entity gives advice to the condominium management association in cooperation with a lawyer or the like, and the outline of the configuration is as described above with reference to FIG.

  Next, the details of the management system are the same as those of the management system 20, and the detailed description is as described above with reference to FIG.

  Next, the customer system is the same as the customer system 30, and the detailed description is as shown in FIG. 3 and the above description.

The outline and configuration of the second embodiment have been described above. Next, details and operation of the second embodiment will be described. In addition, the entity in charge of the settlement agent arrears assurance of the first embodiment, in the second embodiment, those first acts as entities that advice relates to the recovery of administrative expenses, etc., managed by the management association, etc. Various advice regarding the collection of In addition, if it is determined that the management fee collection by the management association does not function sufficiently even if the advice is given, it may be advised to collect it by replacing the claim with a financial institution or the like. In addition, if administrative expenses etc. are delinquent for a long time and the past claims are large, according to the details of the entrustment, the condominium management association, etc. will collect the claims by appointment, auction, etc. Entities that advise on the recovery of administrative expenses, etc. shall advise.

  First, for example, the customer management association data table created at the start of advice is basically the same as the customer management association data table 40 in the first embodiment, and the detailed description thereof is as described above with reference to FIG. In addition, if the condominium management association, etc. that is entrusted with the payment arrears guarantee business, is required to provide further advice on collection of management expenses, etc., a customer management association data table for advice shall be provided separately. . In addition, an entity that advises on the collection of administrative expenses, etc. may cooperate with attorneys etc. on the content of the advice.

  Next, a procedure for storing information in each column of the customer 1 column 401 will be described with reference to FIGS. The input to the customer management association data table 40 in the second embodiment is based on the first embodiment.

  When storage of customer registration information is completed, information necessary for business development is stored. For example, in the condominium management union of customer 1, regarding the delegation of management cost collection advice to the business in charge, if a resolution is established at a general meeting, etc., information “approved” is displayed in the general meeting resolution column 4008. Store (also referred to as “approved” storage, the same applies hereinafter) (S705, S706). Next, in accordance with a resolution at the general meeting, etc., if the contract and / or the contract regarding delegation of management fee collection advice to the responsible entity is valid, “valid” is stored in the contract column 4009. (S707, S708). Thereafter, similarly, necessary information is stored in the management agreement column 4010, the memorandum column 4011, and the like as in the first embodiment, and the necessary information is stored in the attorney agreement column 4014, etc. for the coordinating lawyer. Do.

  As described above, when the storage of various information including the general meeting resolution column 4008 necessary for delegation of management fee collection advice has been completed, the contract processing column 4005 displays “completed”. Further, for example, “123400” is stored as the customer code in the customer code column 4099, and the information storage in the customer management association data table 40 regarding the customer 1 column 401 is completed. Other points to consider are the same as in the first embodiment.

  When storing “completed” in the contract processing field 4005, the management fee collection advice is outsourced to a consignee (an entity in charge of business that advises management fee collection is also referred to as a consignee). Accordingly, in addition to the required items such as consignee, consignment details, business start date, etc. in the required documents such as management regulations for the apartment, as a settlement means as required, for example, the credit card payment prescribed by the management association For example, it is judged by a predetermined judge that the convenience store payment by the management association specified postcard, etc. and / or payment by the account transfer specified by the management association is approved, and the result is contract processed. It is assumed that it is reflected in the column 4005.

  In response to the fact that the contract processing column 4005 is “completed”, a specific business development of management fee collection advice at the next stage will be described. Also in the second embodiment, the customer category owner data table 50 of FIG. 5 is configured in the same manner as in the first embodiment.

  Next, the information contents in each column of the customer category owner data table 50 are the same as those in the first embodiment.

  Although the customer category owner data table 50 has been described above, the customer category owner data table 50 is displayed on the management output device 23 of the management system 20 as a part of the advice for collecting the management expenses, etc. You can go. At that time, it is possible to display all the information about the customer or display it for each customer.

  Next, as part of the advice for collecting management expenses, etc., for example, when the customer category owner data table 50 is collectively managed on the management system 20 side, the display of the customer category owner data table 50 in the customer system 30 explain. When the customer system 30 is requested to display the contents related to the customer category owner data table 50, the management system 20 uses the contents of the customer category owner data table 50 of the corresponding customer as the customer output device 33 of the customer system 30. (Not shown). Note that the customer month 30 may be specified by the customer system 30 and the contents of the customer category owner data table relating to the corresponding year may be displayed.

  In the customer system 30, the displayed contents of the customer category owner data table are input from the customer input device 34 when there is a correction. However, as with the first embodiment, the correction content may be managed on the management system 20 side to determine whether correction is possible for each item.

  Although the customer category owner data table 50 has been described above, the category owner-specific settlement data table 80 that stores information related to settlement processing for collection operations such as administrative expenses will be described with reference to FIG. Note that FIG. 8 is also created as part of advice, for example, and the configuration and information content are the same as those in the first embodiment.

  Next, the specific processing of the second embodiment is also performed, for example, at the outsourcer in accordance with the contents specified in the management rules and the like, but the specific processing contents are the same as those of the first embodiment. .

  Next, in the second embodiment, the advice future receivables processing trust maintenance time shown in FIG. 11 is shown for how the information in the customer category owner data table 50 is used to proceed with the collection operation of the management expenses and the like. A description will be given according to the table 110. For example, if the management fee of each condominium is charged (11001) in the previous month, for example, this month's payment (11002) is always made, but in the second embodiment, for example, on the 5th of every month When each financial institution is requested to transfer the account from the account of each category owner via the network 10 from the customer system 30, the subsequent deposit is processed as a deposit for administrative expenses, etc. of the month To do. Each financial institution or the like transmits to the customer system 30 via the network 10, for example, and based on this, the customer system 30 confirms payment (11003). For example, when there is a deposit such as an administrative fee from the owner of the room number 101 of the customer code 123400, for example, each financial institution transmits the deposit information to the customer system 30 via the network 10, and based on this information In the customer system 30, the category owner 1 information column 5001 corresponding to the room number 101 of the customer category owner data table 50 for the corresponding month is credited, for example, the display is black shaded and the non-paid category owner (Not shown). When deposit information is transmitted from each financial institution to the customer system 30, for example, segment owner codes 5022 and 8021 may be used as information for determining each segment owner. In addition, for a certain year and month, the total amount stored in the total column 5029 of the customer category owner data table 50 is the total amount received, and the total amount not stored is the total amount not yet received. It may be stored separately in a data table (not shown). Further, the sum of the non-payment of the same category owner stored in the customer category owner data table 50 for all years becomes the total of the non-payment of the category owner, which is added to a separate data table (not shown). ) May be stored.

  As described above, the management fees of the apartments are usually paid from each category owner to financial institutions, etc., but if there is no payment even in the next month (1103), for example, a consignment lawyer In accordance with the above advice, it is determined that the category owner is delinquent in the customer system 30, the delinquency is confirmed (11008), and this information is stored in a database (not shown) in the customer system 30, for example. Further, based on the non-payment confirmation information, this information may be sent from the customer system 30 to a lawyer or the like via the network 10, for example. When the non-payment is confirmed, the customer system 30 determines that the non-payment is settled according to the above information (11009). It shall be performed (11013).

  In the above, the process in the management system 20 and the customer system 30 was demonstrated about normal account transfer. The processing of the customer system 30 may be performed by the management system 20 as a part of advice regarding collection of management costs and the like. Next, an example of processing in the second embodiment using each settlement method including account transfer will be described according to the advice settlement means time table 120 shown in FIG.

  The settlement means time table 120 includes, for example, a previous month column 1201, a current month column 1202, and a subsequent month column 1203. Further, it is composed of an account transfer column 1211, a credit card payment column 1212, a convenience store payment column 1213, a lawyer etc. column 1214, a financial institution column 1215, and an advisory entity column 1216 for giving advice. In the account transfer (1211), as described in the first embodiment, according to the information shown in the account transfer financial institution column 8022 and the account number column 8023 of the divided owner settlement data table 80, the customer system 30 performs the financial transfer. The institution shall be requested to transfer the account. First, at the beginning of the previous month (1201), the customer system 30 requests the financial institution designated by each category owner to transfer the bill amount to the account (12001). Each financial institution performs a transfer process of a predetermined amount according to this information from the account of the divided owner to, for example, an account such as a management association which is a customer indicated in the customer account information 4017. When normal transfer processing is performed from the account of the category owner (12002), the customer system 30 is contacted and this information is reflected in the customer category owner data table 50. Thereafter, this account transfer is repeated every month. If the account transfer cannot be performed due to a lack of balance of the category owner account (12003), the customer system 30 is contacted via the network 10, for example. If the customer entrusts a lawyer or the like in the attorney agreement column 4014 (12013) and determines that continuation of the account transfer is impossible, for example, by credit card payment (1212), etc. It will be collected. First, in the customer system 30 as a customer, according to the information in the credit card number column 8024 of the category owner settlement data table 80, the settlement request form by mail or real-time settlement such as the Internet, etc. Thus, a billing process for the uncollected amount is performed (12004). When the credit card can be debited (12006), the credit card processing is repeated every month. It should be noted that the management fee by credit card payment is also transferred to an account of a management association, etc., which is a customer shown in the customer account information 4017.

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

  Next, with regard to detailed processing related to payment by credit card, for example, a case where an entity that advises collection of management expenses and the like is a general member store and an apartment management association is a store child member store is shown in FIG. Detailed description will be given according to the time table 150. The card processing 3 timetable 150 includes a category owner (card owner) column 15011, a card company column 15012, an advisory entity (general member store) column 15013 that advises management fee collection, an apartment management association (store child) Membership) column 15014, and each of the columns 15011 to 15014 further includes a card company normal processing column 1512, a card company non-accrual processing column 1513, and an advisory entity processing column 1514. From the credit card company, the business that advises the collection of management fees, etc. is regarded as a general member store, and the condominium management association is regarded as a store child member store. Are displayed in parentheses. The comprehensive member store is a member store that collects a plurality of store child member stores as described above, and serves as a contact point with the card company on behalf of the store child member stores. In addition, contracts for inclusion / store child are usually entered into between general member stores and store child member stores, but contracts exist if they function substantially in the same manner as the general / store child relationship. It doesn't have to be. As a comprehensive member store, you may select an entity other than the one that advises management fee collection.

  Now, when the category owner pays the card, the financial institution or the like transfers, for example, the administrative expenses or the like from the account of the financial institution or the like designated by the category owner to the card company on a predetermined date, for example (15121). In general, the card company pays the total amount corresponding to the corresponding administrative expenses, etc. to the business entity (general member store) that advises the collection of the administrative expenses before it is transferred from the account of the section owner (15122). ). In this way, with regard to payment of administrative expenses etc. by card, even if there is a shortage of balance, etc. due to account transfer by a financial institution designated by the divisional owner, payment of administrative expenses etc. is delayed and unpaid (15131) A lump sum payment is made as a comprehensive member store to an entity that provides guarantees and advises on collection of administrative expenses. On the other hand, an entity that advises on the collection of administrative expenses, etc., which is a comprehensive member store, sorts the total amount of received administrative expenses, etc., into apartment management associations and pays them to the condominium management association, which is a store affiliated store ( 15123). In the unlikely event that payment by the card of the divisional owner is delayed (15131), the card company, for example, in accordance with the arrangement between the card company and the business entity that advises the collection of management expenses, etc. Is guaranteed (15132).

  Thereafter, the card company, for example, makes a non-payment prompt for non-payment (15133), and tries to collect it. However, if it cannot be collected, it will be a debt in the past, and in the worst case, it will be charged off . In addition, with respect to the category owner, in the past, withdrawal processing from the card member is performed (13135), and subsequent countermeasures such as refusal of subsequent card member subscription are performed without guaranteeing non-payment thereafter. Become.

In order to prevent such debt processing and card member withdrawal, in the second embodiment as well, if it is determined that the credit card company has not yet received (15134), the management fee, etc., which is a comprehensive member store, etc. (15136) is requested to issue a so-called cancellation slip for the sales to the section owner regarding the corresponding management cost and the like (15136). In response to this, in an entity that advises collection of administrative expenses, etc., for example, to an entity that cancels a charge of 150,000 yen for administrative expenses etc. to the division owner 123401001 by cancel slip processing and advises on collection of administrative expenses etc. However, since the advance payment such as the management fee has already been received, 150,000 yen is refunded to the card company (15141). Furthermore, you may charge the entity which advises from the card company about the expense concerning cancellation slip processing. As a result, the credit card company will eliminate the non-payment liability. On the other hand, an entity that advises the collection of administrative expenses, etc. pays 150,000 yen refunded to the credit card company (13144), thereby recovering the expenses related to the cancellation slip processing to administrative expenses etc. Non-payment reminder from the entity that advises on (15142), and if it does not respond to the reminder, it is collected directly (15143). . It should be noted, may be offset by if you are granted the privilege of point such as relates to card payment, point, such as the administrative expenses such as accrued content and administrative expenses and the like generated this or et al.

As described above, the case where the entity that advises the collection of management expenses is a comprehensive member store, the condominium management association is a store child member store, or the case where it has the same function as the comprehensive / store child relationship has been explained. With regard to this explanation, the number of store child member stores may be plural or single. In addition, a store child member store may be a store child member store of a plurality of comprehensive member stores. Alternatively, for example, an entity that advises collection of management expenses and the apartment management association may function as an integrated entity through a business alliance. This is shown in the card processing 4 time table 160 of FIG. The details of FIG. 16 are the same as those of FIG. Furthermore, as a result, if it functions in the same way as the present application, not only the entity that advises collection of management expenses, etc., the condominium management association, but also the card company and the whole or any two entities are integrated. For example, in each department, the card processing 3 time table 150 and the card processing 4 time table 160 may be in charge of the business of the card company, the business entity that advises the collection of management costs, and the condominium management association. In addition, as an apartment management association, for example, an entity that advises collection of management expenses, an individual, an entity that has been commissioned to advise collection of management expenses, etc., etc. It shall correspond to the thing. Contrary to the above, even if there are many business entities under the store child member stores, such as several condominium management associations, or each business entity outsourcing the business, it does not matter. Absent.

  As described above, the case where the cancellation slip is issued in the credit card payment and the detailed processing by the comprehensive member store and the store child member store have been described. Furthermore, in the advice settlement means time table 120 of FIG. If it is determined that the card is invalid (12005), it is entrusted to a lawyer or the like (12013), for example, a convenience store payment (1213) is made. First, it is assumed that the customer system 30 performs a billing process such as a management fee and a dunning fee according to the information in the convenience store postcard destination field 80241 of the category owner settlement data table 80 (12008). In addition, even when a credit card payment request (12004) is made but not yet received (12007), the customer system 30 entrusts a lawyer or the like (12013), and the customer system 30 receives the next month (1203). For example, it is assumed that a billing process by a convenience store payment is performed (12010). If the customer system 30 is not yet receivable despite being billed at the convenience store (12008, 12010), the customer system 30 confirms the receivable (12012) by the lawyer etc. (1214) in the lawyer contract column 4014. Based on the result of the determination, the contractor is entrusted with a lawyer or the like, and processing is performed so that non-payment settlement is advanced. In the case where a privilege such as points is given for card payment, the unaccrued portion of administrative expenses and the administrative expenses that will be generated in the future may be offset by points.

  In this way, when the management fee is billed and the payment is made normally, the processing can be recovered without delay by repeating the above process every month, for example, but there was a delinquency In this case, for example, an entity that provided advice on collection of administrative expenses, etc. conducts customer reviews including assessment of the relevant customer property, and further examines information on delinquents (12015), and can form a business alliance with the management union. If it is determined (12016), for example, a lawyer 1214 in the lawyer contract column 4014 is entrusted to the non-payment settlement process. For example, receivables are collected by entrusting the reimbursement process of the receivables to the financial institution 1215 shown in the partner fund contract column 4016 (12014). In addition, if the total amount of delinquency is high and there is a risk of exceeding the property evaluation amount, upon request from the management association, advisory entities, lawyers, etc., for example, consignment related to the sale or auction (12017) of the relevant property To receive. In another embodiment of the present invention, when it is determined that the above business alliance is possible, “valid”, “participation possible” or the like may be stored in the contract column 4009 again.

  In addition, about the series of states from the billing (12001) to the auction / auction (12013) and the outsourcing to a lawyer described above, for example, information processing is performed in the customer system 30; The payment progress data table 100 that stores information related to the above will be described with reference to FIG. This figure is also prepared as part of the advice, for example.

  The payment progress data table 100 also conforms to the first embodiment.

  Next, it is assumed that the processing for managing the progress of settlement in each settlement means also conforms to the first embodiment.

As described above, the second embodiment of the present application has been described. Here, it is assumed that the business entity has been entrusted with an advisory service related to a recovery operation such as a management fee from an apartment management association or the like. If, at the discretion of the entity that commissioned the collection business of management expenses, in the case refused the contract as a business body, at that time, it may be a rather perform the subsequent processing. In addition, when the system processing in the customer management association is included as the commissioned contents, for example, human resources may be dispatched and processed by the customer system 30, or for example, the processing by the customer system 30 may be performed by the management system 20. It doesn't matter.

  Further, in FIG. 12, the processing is sequentially performed in the order of account transfer 1211, credit card payment 1212, and convenience store payment 1213, and this order also conforms to the first embodiment. Further, in the second embodiment, the process of unpaid confirmation (12012) by a lawyer 1214 without going through all of the account transfer 1211, credit card payment 1212, and convenience store payment 1213, or the account transfer 1211 Even if neither the credit card payment 1212 nor the convenience store payment 1213 is paid, according to the first embodiment, the unaccrued confirmation (12012) may not be performed depending on the situation.

  Next, another embodiment of the second embodiment will be described. In the credit card payment according to the second embodiment, when a non-accrual occurs, a cancellation slip is issued. However, in another embodiment of the second embodiment, similarly to another embodiment of the first embodiment. Without issuing a cancellation slip, the card company processes the unpaid administrative expenses etc. as credits of the card company. Of the payment processing using a credit card, the normal processing is based on the first embodiment and the second embodiment.

  Hereinafter, specific business development of another embodiment of the second embodiment will be described in accordance with a bond sales time table 170 shown in FIG. The receivable sales time table 170 includes a division owner (card holder) column 17011, a card company column 17012, a settlement agent non-payment guarantee business entity or an advisory business entity (general member store) column 17013, and an apartment management association (store child member store). The column 17014 includes a card company normal processing column 1712, a card company non-accrual processing column 1713, and a bond processing column 1714. Concerning card processing, for example, when an advisory entity is a comprehensive member store and a single or multiple condominium management association is a store child member store, the advisory entity shall perform each card-related business to the apartment management association. . These details are based on the card processing time table 130 in the first embodiment and the second embodiment.

Now, when the divisional owner pays the card, the financial institution or the like transfers the cost equivalent including the management fee from the account of the financial institution or the like designated by the divisional owner to the card company on a predetermined date, for example (17121). . The card company normally pays the advisory entity (general member store) the total amount equivalent to the cost including the corresponding management fee before transfer from the account of the section owner (17122). In this way, with regard to the payment of expenses including administrative expenses with cards, there was a shortage of balance in account transfers of financial institutions designated by the divisional owner, etc., and the payment of expenses including administrative expenses was delayed and unpaid (17131) even if, performs a warranty card company, to advice entities, bulk payment Ru been made as comprehensive merchant. On the other hand, the advisory entity that is a comprehensive member store sorts the total amount including the received management fee into the apartment management association and pays it to the apartment management association that is the store affiliated store (17123). In the unlikely event that payment by the card of the category owner is delayed (17131), the card company guarantees a non-payment for one month, for example, according to the agreement between the card company and the advisory entity (17132).

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

Regarding such debt processing, in the second embodiment as well, even if the credit card company side determines that the unearned by the segment owner has been confirmed (17134), the credit card company will continue to hold the claim and An accrual confirmation (17137) is made to an advisory entity. Furthermore, the credit cardholder is urged to delinquent payments from the credit card company (17142), and if it does not respond to the reminder, it is collected directly (17143). Receivables are collected through procedures. As described in the first embodiment and the second embodiment, if benefits such as points are given for card payments, expenses not accrued including administrative expenses and administrative expenses that will be generated will be offset by points. It doesn't matter. In addition, when the debt holding period has passed for a certain period of time, the loan is sold to a debt collector, etc. (17138), the claim is dealt with, and information on the sale of the claim is sent to the advisory entity (17144), information for example, in a management union or advice entities, for example, the receivables sale date, the case was September 27, 2015, the receivables sale date column 10246 of the payment progress data table 100, referred to as "250927" Is stored. Even if non-payment of administrative expenses, etc. occurs, if you continue to be charged by card, and further non-payment occurs, these liabilities are added together and managed by category owner. It may be stored in (not shown). In addition, the creditors to sell from the card company, for example, may be management union or advice entities purchased. Note that information such as unaccrued settlement, unpaid settlement confirmation, collection of claims, point offsetting, sale of claims, etc. may be stored separately in a database (not shown) or the like in the card company system 20, for example.

  The relationship between the entrant member store and the store child member store is the same as in the first embodiment and the second embodiment. Furthermore, for example, when an advisory entity and an apartment management association function as an integrated entity, not only the advisory entity and apartment management association, but also function as an entity including card companies In addition, as an apartment management association, for example, in the case of carrying out collection operations such as administrative expenses for divisional ownership, such as entities that manage division-owned apartments, individuals, entities that have been entrusted with advisory duties, etc. In addition to the condominium management association, condominium management association, card companies, etc., as a whole, or when any two business units are integrated, Management expenses for divisional ownership, such as entities that manage division-owned condominiums, individuals, entities that have been entrusted with management duties, etc. In the case of conducting business, contrary to the above, there are many business units, such as several condominium management associations under the store child member stores, or each business unit outsourcing business. Even in the case where there is, it shall be in accordance with the first embodiment and the second embodiment.

  Next, a third embodiment of the present invention will be described. In the first embodiment, for example, when a contract for consignment of a proxy payment guarantee service for future claims arising from an apartment management association and an entity in charge of the proxy payment guarantee service is concluded For example, all repayment responses to delinquents are entrusted to the business entity in charge of the settlement agent non-payment guarantee business. Furthermore, regarding the processing of past claims for which delinquency has already been confirmed, if a contract for consignment of agency work has been concluded, the entity will respond in accordance with the contents of the contract. In the second embodiment, the business entity first advises the condominium management association about the collection of future claims. For example, when a legal procedure is required for past claims that have been delinquent, The condominium management association and the business entity that advises on the collection of past claims will be discussed, or a separate contract will be concluded as an entity in charge of agency work for the collection of past claims. In any case, in the first embodiment and the second embodiment, at the stage when the contract entrusted to the entity in charge of the agency business regarding the collection of past claims is concluded and becomes effective, Advising on collection of past claims and / or acting on collection of past claims. In the third embodiment, the contents of correspondence with a delinquent will be described below until a final legal procedure or the like, for example, a legal procedure such as an appointment or auction.

  First, regarding the processing in the third embodiment, a past bond collection time table 180 shown in FIG. 18 will be described. The past claim collection time table 180 is composed of a management association column 181, a lawyer column 182, an advisory entity / debt processing entrusted entity column 183, a delinquent customer column 184, and the like. When the condominium management association entrusts the collection of past claims to the advisory entity, the condominium management association makes a contract with the advisory entity, etc. regarding the collection of past claims, and the advisory entity, etc. The past claim collection business will be started, and the past claim acceptance data table 190 shown in FIG.

  The past claim acceptance data table 190 includes a customer item column 19001 for storing a category of a customer to be delegated, a customer code column 19002 for storing a customer code, an address column 19003 for storing a customer address, and a claim for storing an acceptance status from a customer A process acceptance column 19004,... The customer item column 19001 further includes an item column 1901, a customer 1 column 1902, a customer 2 column 1903, and so on. The past claim acceptance data table 190 is, for example, according to a program stored in the management device DB 21, information calculated from related information by the management device server 22, or past claim acceptance data table displayed on the display of the management output device 23. In accordance with a setting screen (not shown), for example, information input by an operator from the keyboard of the management input device 24 of the management system 20 is stored on the management device DB 21 by the management device server 22 according to a program stored in the management device DB 21. Shall be stored in The past bond acceptance data table setting screen (not shown) has the same format as the past claim acceptance data table 190. Further, if necessary, a past credit acceptance data table display screen (not shown) according to the contents of the past credit acceptance data table 190 is displayed on, for example, the management output device 23 of the management system 20 and the customer output device 33 of the customer system 30. Shall be displayed. The past bond acceptance data table 190 may be input and stored in the memory on the customer system 30 side. The information input and stored on the management system 20 side may be transmitted to the customer system 30 side via the network 10, for example, and the information input and stored on the customer system 30 side may be transmitted to the management system 20 side. You can send it.

  Next, a procedure for storing information in each column of the past claim acceptance data table 190 will be described with reference to FIG. First, it is determined whether or not the information related to the customer subject to the credit collection service contract is newly registered. In the case of new customer registration, for example, each information is stored in the customer 1 column 1902 of the past claim acceptance data table 190. In the customer code field 19002, if the customer code is 123400, for example, “123400”, and the address field 19003 indicates the address of the target apartment, for example, “Minato-ku, Tokyo XXX”, bond processing acceptance column In 19004, if a contract related to acceptance of past claims is concluded, for example, “Acceptance of past claims”, and in the original claims column 19005, if the underlying claims are held by the management association, In the arrears damage column 19006, if the management association has abandoned the arrears damages, for example, “abandonment of management association”, the arrears details column 19007 For example, if the advisory entity has been scrutinized regarding the handling of delinquent damages, for example, “scrutinized”, the time-effective support column 19008 indicates that, for example, if the advisory entity has scrutinized regarding the handling of timely-paid, for example, “scrutinized”, If the lawyer in charge column 19209 has already selected a lawyer in charge of past claim processing, for example, “Done”, and in the fee column 19010, the fee for past claim processing by the credit processing entity is agreed, for example, In the case of “Done”, the legal procedure column 19011 is in charge of the legal procedure when the past claim cannot be collected from the delinquent. For example, information “acceptance”,... Is stored. In the receivables processing acceptance column 19004, for example, in the advisory entity, regarding the contents shown in the item columns 19005 to 19010, for example, the condominium management association continues to hold the original receivables, but the rights regarding past due damages On the other hand, in the entity that accepts receivables, the details of the non-payment regarding the section owner of the condominium management association will be examined closely. In relation to waiver of delinquent damages, for example, the provisions for delinquent damages are made in the management regulations of condominium management associations, etc. If there is no confirmation, the conditions are set such as not accepting consignment. When it is determined that the situation is possible, for example, the information “acceptance of past claims processing” is stored, and the legal procedure column 19011 can receive the contents of the related item columns as in the case of the claims processing acceptance column 19004. When it is determined, for example, information “acceptance” is stored. Thereafter, similarly to the customer 1 column 1902, each information is also stored in the customer 2 column 1903,. In addition, the details of the past claim acceptance data table 190 are based on the purchase target property data table 40 and the like.

The contents of each column of the past claim collection time table 180 and the information stored in the past claim acceptance data table 190 have been described above. Specific processing contents will be described according to the past claim collection time table 180 below. In the condominium management association, when the past claim processing is delegated to, for example, a claim processing acceptance entity, the contract 1811 with the claim processing acceptance entity is discussed. Oite in loans mandatory entity, if the contract mandatory 1831 result was judged according to the receivables processing mandatory column 19004 of past receivables mandatory data table 190, to the lawyer, from both the apartment management union and creditors processing mandatory entity Concluded Contract Acceptance 1821 for legal consideration. As described above, when the contract relating to the collection of past claims becomes valid, the claim processing business entity requests legal examination 1822 from a lawyer and the like, and grasps the actual situation 1832 regarding delinquency through hearings and the like. If the delinquent pays back 1841 based on the actual situation grasp 1832, for example, based on the information stored in the commission column 19010 of the past claim acceptance data table 190, the necessary expenses such as the agreed fee are reduced from the claim amount. Remittance 1833 and the apartment management association receives 1812. If you also delinquent Oite to the actual condition 1832 is not depending on the repayment, loans mandatory entity, together with a request for legal consider 1823 a lawyer, etc., with respect to the apartment of the delinquent, repayment planning 1834 For example, a collective return or split repayment 1842 is presented. If the delinquent of the applicable apartment makes a repayment 1843 by presenting the repayment plan, for example, if repayment 1843 including late damages, lawyer expenses, etc. In accordance with the information stored in the commission column 19010 of the credit acceptance data table 190, the amount reduced by the late damages, attorney's fees, etc. is remittance 1833, and the condominium management association receives 1812. Even if the contents of the repayment plan formulation 1834 are presented to the delinquent, if the repayment is still not responded, the receivable processing commissioned entity, for example, according to the information stored in the legal procedure column 19011 of the past receivable acceptance data table 190, A lawyer or the like will be requested for legal review 1824 and a legal procedure 1835 for collecting past claims will be promoted.

The processing details of the condominium management association and the credit processing acceptance business entity in the third embodiment have been described above, but the past credit collection progress data table 200 shown in FIG. . The past bond collection progress data table 200 includes a customer code column 2001 for storing customer code information that is a target of the past bond collection progress data table 200, a content column 2002 for storing each category content of the past bond collection progress data table 200, and Non-payment category owner 1 column 20001, non-payment category owner 2 column 20002, non-payment category owner 3 column 20003,..., Etc., and the content column 2002 has non-payment category ownership The owner code field 20021 for storing the person's code, the non-accrual date field 20022 for storing the non-accrual date of the corresponding non-payment person, and the date on which the hearing and actual condition of the non-payment person were conducted The actual condition grasping date field 20023, the repayment plan presentation date field 20024 for storing the repayment plan presentation date, Return classification field to store the Batch or division or information about 20025, legal proceedings column that stores information about the legal proceedings 20026, with a repayment column 15027 or the like which stores information about whether repayment already, and also actual grasp years The date column 20023 includes a first implementation date column 2002012, a second implementation date column 2002022,..., Etc., indicating the date of implementation. The past debt collection progress data table 200 is, for example, in accordance with a program stored in the management apparatus DB 21, information calculated from related information by the management apparatus server 22 or past debt collection progress displayed on the display of the management output apparatus 23. In accordance with a data table setting screen (not shown), for example, information input by an operator from the keyboard of the management input device 24 of the management system 20 is managed by the management device server 22 according to a program stored in the management device DB 21. The data is stored on the DB 21. The past bond collection progress data table setting screen (not shown) has the same format as the past bond collection progress data table 150. Furthermore, if necessary, a past debt collection progress data table display screen (not shown) according to the contents of the past debt collection progress data table 200 is displayed, for example, a management output device 23 of the management system 20 or a customer output of the customer system 30. It is displayed on the device 33. The past bond collection progress data table 200 may be input and stored in the memory on the customer system 30 side. The information input and stored on the management system 20 side may be transmitted to the customer system 30 side via the network 10, for example, and the information input and stored on the customer system 30 side may be transmitted to the management system 20 side. You can send it.

Next, the contents of various information stored in the past bond collection progress data table 200 are shown below. First, in the customer code column 2001, for example, if the customer code is 123400, information such as “past claim collection progress data table customer code: 123400” is stored in the category owner code column 20001 of the content column 2002, for example, “segment ownership. For example, information for “acquired date of accrual” in the non-accrual date field 22022, for example, information for “acquisition actuality date” for example, In the repayment plan presentation date field 20024, for example, information “repayment plan presentation date” is displayed, in the repayment category field 20025, for example, information “repayment lump sum / split”, and in the legal procedure column 20026, for example “law” The information “manual procedure” is stored in the repayment column 20027, for example, the information “repayment” is stored. In addition, for example, the first implementation date column 200201 in the actual status date column 22023 includes information “first” and the second implementation date column 200202 includes information “second”, for example. In the following, each information is stored in the same manner. Next, regarding specific non-payment category owner information, the non-payment category owner 1 column 20001 in the category owner code column 20001 includes the customer non-payment category owner code indicated by the customer code in the customer code column 2001. Is 1234103001, for example, information “1234103001” is stored in the non-accrual date column 22022, and the non-accrual date of the delinquent is January 31, 2013. 250131 ”, in the first implementation date column 150231 of the actual status grasp date column 15023, the first interview actual grasp date of the delinquent is February 1, 2013. If there is, for example, the information “250201”, the second implementation date field 2002022 shows the second actual hearing grasp date of the relevant delinquent. In the case of February 15, 2013, for example, the information “250215” is displayed, and in the repayment plan presentation date field 20024, for example, the repayment processing acceptance business entity presents the repayment plan to the corresponding delinquent If the date is March 1, 2013, for example, information “250301” is stored. Further, information regarding non-payment category owner 2 column 20002 non-payment category owner 3 column 20003,... In addition, the repayment classification column 20025, in consultation relates to repayment, in the case agreed to the effect that be repaid, for example, the information that the "bulk", in legal proceedings column 20026 is, if you run the legal proceedings For example, information “execution” is stored in the repayment column 20027, and information “end” is stored in the repayment column 20027, for example. In addition, the details of the past bond collection progress data table 200 are based on the purchase target property data table 40 and the like.

As described above, the information stored in the past debt collection progress data table 200 has been described. The information includes the lawyer column 182, the advisory entity / receivable processing acceptance business column 183, the delinquent Corresponding to the processing after the hearing actual condition grasping 1832 shown in the column 184, it is stored in each item column of the corresponding delinquent in the past debt collection progress data table 200. Further, the past amount of receivables related to the delinquent in question may be separately stored in a data table or the like (not shown) and may be aggregated for each customer. In particular, fees, overdue damage amount, the attorney costs, etc., another delinquent, aggregated by the customer, may be reported to each. In the above, the case of accepting past claim processing has been explained. For customers who have received only past advice related to past claim processing, the past claim processing column 14004 is blank, and “accepted” is stored in the advice acceptance column 14012. Will advise the condominium management association to carry out the processing performed on behalf of the entity that accepts credit claims. In this case, the past debt collection progress data table 200 will be created and stored by the condominium management association. However, as part of the advisory business, on behalf of the condominium management association, the advice will be accepted and the business entity will act on its behalf. It doesn't matter.

In this way, in the third embodiment, even if nonpayment of nonpayment is confirmed, legal procedures are not performed immediately, but the cause of nonpayment is clarified according to the status of nonpayment. of about the payment of administrative expenses, etc., induced to pay future debts, in many cases along with the shows you that the loans repayment is possible, further loans mandatory entity, the repayment plan to the past receivables lawyers were investigated By showing, it leads to repayment of past debt. In some cases, even if it is necessary to repay the debt by auction, etc., it is sufficient to arrange for the residence after leaving the current residence in the repayment plan, etc. By responding, even if it leads to legal procedures, it will be possible to proceed with repayment more smoothly by building a trusting relationship with creditors. The correspondence to these non-payers may be managed by separately storing each information in a data table (not shown) as information related to the repayment classification column 20025 and the legal procedure column 20026, for example. Absent.

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

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

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

Claims (34)

A payment agency delinquency management system for business consignment and / or advice related to settlement and delinquency of expenses including management costs for condominiums, the system comprising at least a management device database and a management device server Management system as a business entity in charge of business and / or advisory business, a condominium management union comprising at least a customer device memory and a customer device processor, or a customer system having a decision capability equivalent to that of the union, and a trust organization system having a trust function A beneficiary representative system for lawyers or legally qualified persons, and a financial institution system for finance,
Processing required for entrusting outsourcing and / or advisory services to a subcontractor with respect to the settlement and delinquency in the condominium management association stored in the management device database or having the same determination capability as the union To determine the applicable condominium management association as a subcontractor and / or advisory business based on information indicating that it is effective and effective by a management association First storage means for storing necessary information and the determination result;
Means for displaying information stored by the first storage means;
As a business consignment to the contractor regarding the settlement and non-payment,
Information necessary for transferring expenses including the condominium management cost of the category owner to the trust account of the one having the trust function, and information relating to the result of transfer to the trust account by information transmitted from the one having the trust function And information regarding the result of trust preservation of expenses including the condominium management cost of the category owner transferred to the trust account, although having the trust function, and a trust transmitted from the financial institution or an equivalent business function Second storage means for storing information relating to a result of maintenance, and information relating to a result of canceling the trust including the condominium management cost transmitted from the financial institution or an equivalent business function;
Means for displaying information stored by the second storage means;
As a business consignment to a contractor regarding the settlement and non-payment,
Regarding the reimbursement payment for the business consignment, the financial institution or an equivalent business function is calculated by subtracting the fee related to the expenses including the condominium management expenses for the fixed period from the expenses including the condominium management expenses for the segment owner for the fixed period. Means for calculating the information necessary to make a reimbursement payment from the possession to the condominium management association;
Third storage means for storing the calculated information;
Means for displaying the information stored by the third storage means;
As part of outsourcing and / or advising to the outsourcer regarding the settlement and non-payment,
A means for calculating the amount of deposits, non-payments, and expenses required to collect non-payments for each period, including administrative expenses for a certain period,
Means for calculating the total amount of the non-payment amount and the cost required for collection of non-payment for each category owner;
Fourth storage means for storing information relating to the result by the means for calculating;
Means for displaying information stored by the fourth storage means;
As part of outsourcing and / or advising to the outsourcer regarding the settlement and non-payment,
Means for calculating the non-payment amount and the cost required for collecting the non-payment for each management association;
Fifth storage means for storing information relating to the result by the means for calculating;
And a means for displaying information stored by the fifth storage means. The settlement means for expenses including the condominium management expenses are as follows:
Sixth storage means for storing information relating to at least one of account transfer, credit card payment settlement, and convenience store payment settlement, and information relating to which settlement means for the transfer or settlement,
The payment arrears business management system according to claim 1, further comprising: means for displaying information stored by the sixth storage means. When a card is used for payment of the cost including the condominium management fee, seventh storage means for storing information relating to the customer system as the store member store in the customer column on the management device database of the management system as the comprehensive member store When,
The payment arrears business management system according to claim 2, further comprising means for displaying the information stored by the seventh storage means. When using a card for payment of expenses including the condominium management fee, for a customer system that is a store child member store specified by information stored in the customer column on the management device database of the management system that is a comprehensive member store In performing payment services by card companies,
Concerning card payment of expenses including condominium management expenses,
(1) Information regarding the date of issue of the cancellation slip in the management system regarding the cancellation slip issuance request transmitted from the card company, or (2) Accrual regarding expenses including condominium management costs transmitted from the card company After the receivables are held for a certain period of time, information on the date of sale sent by the card company
Is stored as the eighth storage means,
4. The system for managing payment arrears according to claim 3, further comprising means for displaying information stored in the eighth storage means. When a card is used for payment of the cost including the condominium management fee, ninth storage means for storing information on the type of the card;
The payment arrears business management system according to claim 4, further comprising: means for displaying information stored in the ninth storage means. A tenth storage means for storing information relating to a credit line amount for payment of the cost including the condominium management cost in the card when using the card for payment of the cost including the condominium management cost;
The payment arrears business management system according to claim 5, further comprising: means for displaying information stored by the tenth storage means. An eleventh storage means for storing information that does not actually issue the card as a card used for payment of the cost including the condominium management fee;
The payment arrears business management system according to claim 6, further comprising: means for displaying information stored in the eleventh storage means. A twelfth storage means for storing information relating to points to be given according to the amount of use of the card when a card is used for payment of expenses including the condominium management fee;
The payment arrears business management system according to claim 5 or 6, further comprising: means for displaying information stored in the twelfth storage means. Thirteenth storage means for storing information relating to a result of applying the given points to payment of expenses including the condominium management expenses;
The payment arrears business management system according to claim 8, further comprising: means for displaying information stored in the thirteenth storage means. A payment agency delinquency management system for business consignment and / or advice related to settlement and delinquency of expenses including management costs for condominiums, the system comprising at least a management device database and a management device server Management system as a business entity in charge of business and / or advisory business, a condominium management union comprising at least a customer device memory and a customer device processor, or a customer system having a decision capability equivalent to that of the union, and a trust organization system having a trust function A beneficiary representative system for lawyers or legally qualified persons, and a financial institution system for finance,
First information about whether the management association holds a claim due to arrears of expenses including the management costs of the condominium, second information about whether the management association abandoned the arrearage damage related to the arrears, Third information on whether the entity has scrutinized the handling of the delinquent damages, Fourth information on whether the entity has scrutinized the handling of time-definition, and related to the claims due to the delinquency Claim processing on condition that at least one of the fifth information on whether the lawyer in charge of processing claims has been selected and the sixth information on whether the fee for processing claims by the entity has been agreed Receivable processing acceptance information storage means for storing information on whether or not it can be accepted,
Information related to the date on which information related to the actual condition of the person who failed to pay the expenses including the management fee of the condominium was collected when the information stored in the claim processing acceptance information storage means is information indicating that the claim processing can be accepted. Fourteenth storage means for storing
Means for displaying the information stored by the fourteenth storage means;
Fifteenth storage means for storing information relating to the date of preparation and presentation of a repayment plan to the delinquent,
A settlement arrears business management system, comprising: means for displaying information stored in the fifteenth storage means. A sixteenth storage means for storing information relating to the fact that a legal procedure for settlement for the delinquent is performed;
Means for displaying information stored by the sixteenth storage means;
Means for grasping the repayment status by means of performing the legal procedure;
Seventeenth storage means for storing the means for performing the legal procedure and information on the repayment status;
The payment arrears business management system according to claim 10, further comprising: means for displaying information stored in the seventeenth storage means. A payment agency delinquency management system for business consignment and / or advice related to settlement and delinquency of expenses including management costs for condominiums, the system comprising at least a management device database and a management device server Management system as a business entity in charge of business and / or advisory business, a condominium management union comprising at least a customer device memory and a customer device processor, or a customer system having a decision capability equivalent to that of the union, and a trust organization system having a trust function A beneficiary representative system for lawyers or legally qualified persons, and a financial institution system for finance,
Processing required for entrusting outsourcing and / or advisory services to a subcontractor with respect to the settlement and delinquency in the condominium management association stored in the management device database or having the same determination capability as the union To determine the applicable condominium management association as a subcontractor and / or advisory business based on information indicating that it is effective and effective by a management association First storage means for storing necessary information and the determination result;
Means for displaying information stored by the first storage means;
As a business consignment to the contractor regarding the settlement and non-payment,
Information necessary for transferring expenses including the condominium management cost of the category owner to the trust account of the one having the trust function, and information relating to the result of transfer to the trust account by information transmitted from the one having the trust function And information regarding the result of trust preservation of expenses including the condominium management cost of the category owner transferred to the trust account, although having the trust function, and a trust transmitted from the financial institution or an equivalent business function Second storage means for storing information relating to a result of maintenance, and information relating to a result of canceling the trust including the condominium management cost transmitted from the financial institution or an equivalent business function;
Means for displaying information stored by the second storage means;
As a business consignment to a contractor regarding the settlement and non-payment,
Regarding the reimbursement payment for the business consignment, the financial institution or an equivalent business function is calculated by subtracting the fee related to the expenses including the condominium management expenses for the fixed period from the expenses including the condominium management expenses for the segment owner for the fixed period. Means for calculating the information necessary to make a reimbursement payment from the possession to the condominium management association;
Third storage means for storing the calculated information;
Means for displaying the information stored by the third storage means;
As part of outsourcing and / or advising to the outsourcer regarding the settlement and non-payment,
A means for calculating the amount of deposits, non-payments, and expenses required to collect non-payments for each period, including administrative expenses for a certain period,
Means for calculating the total amount of the non-payment amount and the cost required for collection of non-payment for each category owner;
Fourth storage means for storing information relating to the result by the means for calculating;
Means for displaying information stored by the fourth storage means;
As part of outsourcing and / or advising to the outsourcer regarding the settlement and non-payment,
Means for calculating the non-payment amount and the cost required for collecting the non-payment for each management association;
Fifth storage means for storing information relating to the result by the means for calculating;
A non-payment settlement business management system program for causing a computer to function as means for displaying information stored in the fifth storage means. The settlement means for expenses including the condominium management expenses are as follows:
Sixth storage means for storing information relating to at least one of account transfer, credit card payment settlement, and convenience store payment settlement, and information relating to which settlement means for the transfer or settlement,
13. The settlement arrears business management system program according to claim 12, further causing a computer to function as means for displaying information stored in the sixth storage means. When a card is used for payment of the cost including the condominium management fee, seventh storage means for storing information relating to the customer system as the store member store in the customer column on the management device database of the management system as the comprehensive member store When,
14. The nonpayment settlement business management system program according to claim 13, further causing a computer to function as means for displaying information stored in the seventh storage means. When using a card for payment of expenses including the condominium management fee, for a customer system that is a store child member store specified by information stored in the customer column on the management device database of the management system that is a comprehensive member store In performing payment services by card companies,
Concerning card payment of expenses including condominium management expenses,
(1) Information regarding the date of issue of the cancellation slip in the management system regarding the cancellation slip issuance request transmitted from the card company, or (2) Accrual regarding expenses including condominium management costs transmitted from the card company After the receivables are held for a certain period of time, information on the date of sale sent by the card company
Is stored as the eighth storage means,
15. The nonpayment settlement business management system program according to claim 14, further causing a computer to function as a means for displaying information stored in the eighth storage means. When a card is used for payment of the cost including the condominium management fee, ninth storage means for storing information on the type of the card;
16. The nonpayment settlement business management system program according to claim 15, further causing a computer to function as a means for displaying information stored in the ninth storage means. A tenth storage means for storing information relating to a credit line amount for payment of the cost including the condominium management cost in the card when using the card for payment of the cost including the condominium management cost;
17. The nonpayment settlement business management system program according to claim 16, further causing a computer to function as a means for displaying information stored in the tenth storage means. An eleventh storage means for storing information that does not actually issue the card as a card used for payment of the cost including the condominium management fee;
18. The payment arrears business management system program according to claim 17, further causing a computer to function as means for displaying information stored in the eleventh storage means. A twelfth storage means for storing information relating to points to be given according to the amount of use of the card when a card is used for payment of expenses including the condominium management fee;
19. The nonpayment settlement business management system program according to claim 17 or 18, further causing a computer to function as a means for displaying information stored in the twelfth storage means. Thirteenth storage means for storing information relating to a result of applying the given points to payment of expenses including the condominium management expenses;
20. The settlement arrears business management system program according to claim 19, further causing a computer to function as means for displaying information stored in the thirteenth storage means. A payment agency delinquency management system for business consignment and / or advice related to settlement and delinquency of expenses including management costs for condominiums, the system comprising at least a management device database and a management device server Management system as a business entity in charge of business and / or advisory business, a condominium management union comprising at least a customer device memory and a customer device processor, or a customer system having a decision capability equivalent to that of the union, and a trust organization system having a trust function A beneficiary representative system for lawyers or legally qualified persons, and a financial institution system for finance,
First information about whether the management association holds a claim due to arrears of expenses including the management costs of the condominium, second information about whether the management association abandoned the arrearage damage related to the arrears, Third information on whether the entity has scrutinized the handling of the delinquent damages, Fourth information on whether the entity has scrutinized the handling of time-definition, and related to the claims due to the delinquency Claim processing on condition that at least one of the fifth information on whether the lawyer in charge of processing claims has been selected and the sixth information on whether the fee for processing claims by the entity has been agreed Receivable processing acceptance information storage means for storing information on whether or not it can be accepted,
Information related to the date on which information related to the actual condition of the person who failed to pay the expenses including the management fee of the condominium was collected when the information stored in the claim processing acceptance information storage means is information indicating that the claim processing can be accepted. Fourteenth storage means for storing
Means for displaying the information stored by the fourteenth storage means;
Fifteenth storage means for storing information relating to the date of preparation and presentation of a repayment plan to the delinquent,
A nonpayment transaction management system program for causing a computer to function as means for displaying information stored in the fifteenth storage means. A sixteenth storage means for storing information relating to the fact that a legal procedure for settlement for the delinquent is performed;
Means for displaying information stored by the sixteenth storage means;
Means for grasping the repayment status by means of performing the legal procedure;
Seventeenth storage means for storing the means for performing the legal procedure and information on the repayment status;
23. The nonpayment settlement business management system program according to claim 21, further causing a computer to function as means for displaying information stored in the seventeenth storage means. A payment agency delinquency management system for business consignment and / or advice related to settlement and delinquency of expenses including management costs for condominiums, the system comprising at least a management device database and a management device server Management system as a business entity in charge of business and / or advisory business, a condominium management union comprising at least a customer device memory and a customer device processor, or a customer system having a decision capability equivalent to that of the union, and a trust organization system having a trust function A beneficiary representative system for lawyers or legally qualified persons, and a financial institution system for finance,
Processing required for entrusting outsourcing and / or advisory services to a subcontractor with respect to the settlement and delinquency in the condominium management association stored in the management device database or having the same determination capability as the union To determine the applicable condominium management association as a subcontractor and / or advisory business based on information indicating that it is effective and effective by a management association Storing necessary information and the determination result as a first storage means;
Displaying the information stored by the first storage means;
As a business consignment to the contractor regarding the settlement and non-payment,
Information necessary for transferring expenses including the condominium management cost of the category owner to the trust account of the one having the trust function, and information relating to the result of transfer to the trust account by information transmitted from the one having the trust function And information regarding the result of trust preservation of expenses including the condominium management cost of the category owner transferred to the trust account, although having the trust function, and a trust transmitted from the financial institution or an equivalent business function Storing the information on the result of the maintenance and the information on the result of canceling the trust including the condominium management cost transmitted from the financial institution or those having an equivalent business function as the second storage means,
Displaying the information stored by the second storage means;
As a business consignment to a contractor regarding the settlement and non-payment,
Regarding the reimbursement payment for the business consignment, the financial institution or an equivalent business function is calculated by subtracting the fee related to the expenses including the condominium management expenses for the fixed period from the expenses including the condominium management expenses for the segment owner for the fixed period. Calculate the information necessary to make a reimbursement payment from the possession to the condominium management association,
Storing the calculated information as a third storage means;
Displaying the information stored by the third storage means;
As part of outsourcing and / or advising to the outsourcer regarding the settlement and non-payment,
Calculate the amount of money received including non-administrative expenses for a certain period, the amount of non-payment, and the cost required to collect non-payment for each category owner.
Calculate the total amount of the non-payment amount and the cost required to collect the non-payment for each category owner,
Storing information on the result of the calculating means as a fourth storage means;
Displaying the information stored by the fourth storage means;
As part of outsourcing and / or advising to the outsourcer regarding the settlement and non-payment,
Calculate the non-payment amount and the expenses required to collect the non-payment by management union,
Storing information on the result of the calculating means as a fifth storage means;
A method for controlling a payment arrears business management system, comprising: displaying information stored by the fifth storage means. The settlement means for expenses including the condominium management expenses are as follows:
Storing information relating to at least one of account transfer, credit card payment settlement, and convenience store payment settlement, and information relating to which settlement means of the transfer or settlement is used as a sixth storage means,
24. The method of controlling a settlement arrears business management system according to claim 23, further comprising: displaying information stored by the sixth storage means. When a card is used for payment of expenses including the condominium management fee, information is stored as a seventh storage means related to the customer system that is the store child member store in the customer column on the management device database of the management system that is the comprehensive member store. And
25. The control method for a settlement arrears business management system according to claim 24, further comprising displaying information stored by the seventh storage means. When using a card for payment of expenses including the condominium management fee, for a customer system that is a store child member store specified by information stored in the customer column on the management device database of the management system that is a comprehensive member store In performing payment services by card companies,
Concerning card payment of expenses including condominium management expenses,
(1) Information regarding the date of issue of the cancellation slip in the management system regarding the cancellation slip issuance request transmitted from the card company, or (2) Accrual regarding expenses including condominium management costs transmitted from the card company After the receivables are held for a certain period of time, information on the date of sale sent by the card company
Is stored as the eighth storage means,
26. The method of controlling a payment arrears business management system according to claim 25, further comprising displaying information stored by the eighth storage means. When a card is used for payment of expenses including the condominium management fee, information on the type of the card is stored as a ninth storage means,
27. The method of controlling a payment arrears business management system according to claim 26, further comprising: displaying information stored by the ninth storage means. When a card is used for payment of the cost including the condominium management fee, information on a credit line amount for payment of the cost including the condominium management cost in the card is stored as a tenth storage means,
28. The method of controlling a payment arrears business management system according to claim 27, further comprising: displaying information stored by the tenth storage means. As a card used for payment of expenses including the condominium management fee, information that does not actually issue the card is stored as the eleventh storage means,
29. The method of controlling a payment arrears business management system according to claim 28, further comprising displaying the information stored by the eleventh storage means. When using a card for payment of expenses including the condominium management fee, information on points to be given according to the amount of money used for the card is stored as a twelfth storage means,
30. The method of controlling a payment arrears business management system according to claim 28 or 29, further comprising: displaying information stored in the twelfth storage means. Storing information on the result of applying the given points to payment of expenses including the condominium management costs as a thirteenth storage means;
31. The control method of a settlement arrears business management system according to claim 30, further comprising displaying information stored by the thirteenth storage means. A payment agency delinquency management system for business consignment and / or advice related to settlement and delinquency of expenses including management costs for condominiums, the system comprising at least a management device database and a management device server Management system as a business entity in charge of business and / or advisory business, a condominium management union comprising at least a customer device memory and a customer device processor, or a customer system having a decision capability equivalent to that of the union, and a trust organization system having a trust function A beneficiary representative system for lawyers or legally qualified persons, and a financial institution system for finance,
First information about whether the management association holds a claim due to arrears of expenses including the management costs of the condominium, second information about whether the management association abandoned the arrearage damage related to the arrears, Third information on whether the entity has scrutinized the handling of the delinquent damages, Fourth information on whether the entity has scrutinized the handling of time-definition, and related to the claims due to the delinquency Claim processing on condition that at least one of the fifth information on whether the lawyer in charge of processing claims has been selected and the sixth information on whether the fee for processing claims by the entity has been agreed Store the information about whether you can accept as a debt processing acceptance information storage means,
If the information stored in the receivable processing acceptance information storage means is information indicating that the receivable processing can be accepted , the actual situation of the person who is behind the expenses including the condominium management costs The delinquency of the expenses including the condominium management costs Information on the date of collecting information on the actual condition of the person is stored as the fourteenth storage means,
Displaying the information stored by the fourteenth storage means;
Storing information on the date of presentation of the repayment plan for the delinquent as the 15th storage means;
The information stored in the fifteenth storage means is displayed. A control method for a payment arrears business management system, comprising: Storing information on the fact that a legal procedure for settlement of the delinquent has been performed as a sixteenth storage means;
Displaying the information stored by the sixteenth storage means;
Understand the repayment status by means of the legal procedure,
Storing the means for performing the legal procedure and information on the repayment status as the seventeenth storage means;
33. The method of controlling a payment arrears business management system according to claim 32, further comprising displaying the information stored by the seventeenth storage means.   A recording medium on which the program according to any one of claims 12 to 22 is mounted.

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