Reminder management system, reminder management method, and reminder management program

Abstract

To provide a novel technique for determining content of an appropriate reminder to be implemented to debtors.SOLUTION: A reminder system 0 includes a storage unit, an acquisition unit and a determination unit. The storage unit stores condition information regarding reminder content to a debtor and debtor information regarding the debtor. The acquisition unit acquires resource information regarding resources available for a creditor to make a reminder. The determination unit determines reminder content to the debtor on the basis of the condition information, the debtor information and the resource information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a dunning management system, a dunning management method, and a dunning management program. [Background technology]

[0002] Conventionally, there are techniques for sending various types of reminders to debtors.

[0003] For example, Patent Document 1 discloses a technique for sending reminders by email, telephone, etc. Furthermore, Patent Document 2 discloses a technique for notifying a customer of a debt using a synthesized voice corresponding to a message desired by the customer. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2008-077390 [Patent Document 2] Japanese Patent Application Laid-Open No. 2008-305039 Summary of the Invention [Problem to be solved by the invention]

[0005] The effects and costs of email and telephone reminders differ. Furthermore, the resources available for reminders vary from creditor to creditor. While the technologies in Patent Documents 1 and 2 can make various reminders available to debtors, they cannot determine the appropriate reminder content for each debtor, taking into account the creditor's resources.

[0006] The present invention has been made in consideration of the above-mentioned circumstances, and an object of the present invention is to provide a new technique for determining appropriate reminder content to be given to a debtor. [Means for solving the problem]

[0007] In order to solve the above problems, the present invention provides a debt reminder management system for managing debt reminders, The dunning management system includes a storage unit, an acquisition unit, and a determination unit, The storage unit stores condition information regarding the details of a reminder to a debtor and debtor information regarding the debtor; the acquiring unit acquires resource information regarding resources available for the creditor to make a collection request; The determination unit determines the details of the reminder to be sent to the debtor based on the condition information, the debtor information, and the resource information.

[0008] The present invention also provides a dunning management method executed by a dunning management system that manages debt dunning, comprising: The dunning management system includes a storage unit, an acquisition unit, and a determination unit, a step in which the storage unit stores condition information relating to the details of the reminder to the debtor and debtor information relating to the debtor; The acquisition unit acquires resource information regarding resources available for the creditor to make a collection request; The method includes a step in which the determination unit determines the details of a reminder to be given to the debtor based on the condition information, the debtor information, and the resource information.

[0009] The present invention also provides a debt reminder management program for managing debt reminders, comprising: causing a computer to function as a storage unit, an acquisition unit, and a determination unit; The storage unit stores condition information regarding the details of a reminder to a debtor and debtor information regarding the debtor; the acquiring unit acquires resource information regarding resources available for the creditor to make a collection request; The determination unit determines the details of the reminder to be sent to the debtor based on the condition information, the debtor information, and the resource information.

[0010] By adopting such a configuration, it is possible to determine appropriate demand content using information on the creditor and debtor.

[0011] In a preferred embodiment of the present invention, the debtor information includes debtor behavior information relating to behavior obtained from the debtor.

[0012] By configuring in this way, it becomes possible to use more detailed information about the debtor, including the behavior of the debtor, and to determine more appropriate reminder content.

[0013] In a preferred embodiment of the present invention, the condition information includes costs incurred in implementing the reminder. the resource information includes a budget available for conducting dunning for a predetermined period of time; The determination unit determines the details of the reminder for each debtor based on the cost, the debtor information, and the budget.

[0014] This configuration allows for more detailed information about the creditor, including the creditor's available budget, to be used, allowing for more appropriate reminder content to be determined.

[0015] In a preferred embodiment of the present invention, the dunning management system includes a budget management section, The budget management unit manages the remaining amount of the budget according to the reminder status during the predetermined period, The determination unit determines the details of the reminder for each debtor based on the condition information, the debtor information, and the remaining balance.

[0016] By adopting such a configuration, it is possible to determine more appropriate reminder content depending on the creditor's budget and the debtor's repayment status.

[0017] In a preferred embodiment of the present invention, the dunning management system includes a repayment amount determination unit, The acquisition unit acquires a target collection amount that the creditor aims to collect and a target collection amount repayment deadline by which the debtor is to repay the target collection amount, the repayment amount determination unit determines the repayment status of the debtor based on the target collection amount, the target collection amount repayment deadline, and the repayment amount from the debtor; The determination unit determines the details of the reminder for each debtor based on the result of the determination.

[0018] With this configuration, the creditor can decide the content of the reminder according to his / her own circumstances, such as requesting that the debt be repaid as soon as possible.

[0019] In a preferred embodiment of the present invention, the condition information includes a plurality of types of reminder means, and further includes a cost incurred in implementing the reminder means for each of the reminder means, The determination unit determines the means of dunning and the number of times for each debtor based on the cost for each means of dunning, the debtor information, and the budget.

[0020] By adopting such a configuration, it is possible to determine appropriate means and frequency of reminders even in complex reminder situations where reminders are implemented using multiple types of reminder means.

[0021] In a preferred embodiment of the present invention, the acquisition unit acquires, via a debtor terminal, a planned contact date on which the debtor plans to contact the creditor, or a planned repayment date on which the debtor plans to repay the creditor, The determination unit determines a non-implementation period during which no reminders will be sent to the debtor, based on the debtor information, the scheduled contact date, and / or the scheduled repayment date.

[0022] By adopting such a configuration, it is possible to determine a period during which no reminders are to be issued in order to prevent unnecessary reminders from being issued.

[0023] In a preferred embodiment of the present invention, the dunning management system includes a budget distribution unit, The budget distribution unit distributes a budget to each debtor based on the debtor information.

[0024] By adopting such a configuration, it becomes possible to allocate an appropriate budget according to the debtor, and to determine more appropriate reminder content.

[0025] In a preferred embodiment of the present invention, the reminder means includes email, short message, or auto-call; The determination unit determines a dunning means for each of the debtors based on the cost for each of the dunning means, the debtor information, and the budget.

[0026] By adopting such a configuration, it is possible to determine more appropriate reminder content that takes into account the cost of each reminder method.

[0027] In a preferred embodiment of the present invention, the storage unit stores history information of reminders issued to the debtor, The determination unit determines a reminder expression to be used by the reminder means based on the debtor information and the history information.

[0028] By adopting such a configuration, it is possible to send a reminder to each debtor in more appropriate terms. [Effects of the Invention]

[0029] According to the present invention, a new technique can be provided for determining appropriate reminder content to be given to a debtor. [Brief explanation of the drawings]

[0030] [Figure 1] FIG. 1 is a block diagram showing the configuration of a dunning management system according to an embodiment of the present invention. [Figure 2] FIG. 2 is a diagram showing the hardware configuration according to the present embodiment. [Figure 3] FIG. 2 is a block diagram showing functional components in the present embodiment. [Figure 4] 3 shows an example of a data configuration stored in a storage unit in this embodiment. [Figure 5] 1 is a schematic image diagram of a dunning management system according to an embodiment of the present invention. [Figure 6]3 is a flowchart of processing in this embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0031] The dunning management system of the present invention will be described below with reference to the drawings. The drawings show preferred embodiments. However, the present invention may be embodied in many different forms and is not limited to the embodiments set forth herein.

[0032] For example, although the configuration, operation, etc. of the dunning management system will be described in this embodiment, the same effects can be achieved by the executed method (steps), device, computer program, etc. The program in this embodiment may be provided as a non-transitory computer-readable recording medium, or may be provided so as to be downloadable from an external server, or the program may be started on an external computer to implement its functions on a client terminal (so-called cloud computing).

[0033] In addition, in this embodiment, the term "unit" may include, for example, a combination of hardware resources implemented by a circuit in the broad sense and software information processing that can be specifically realized by these hardware resources. In this embodiment, "information" is represented by, for example, the physical value of a signal value representing voltage or current, the high or low value of a signal value as a binary bit set consisting of 0 or 1, or quantum superposition (so-called quantum bits), and communication and calculation can be performed on a circuit in the broad sense.

[0034] A circuit in the broad sense is a circuit realized by appropriately combining a circuit, circuitry, processor, memory, etc. That is, it includes a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), an LSI (Large Scale Integration), an ASIC (Application Specific Integrated Circuit), an FPGA (Field-Programmable Gate Array), etc.

[0035] <System Overview> Fig. 1 is a block diagram showing the configuration of a dunning management system in this embodiment. As shown in Fig. 1, the dunning management system 0 includes a dunning management device 1, a creditor device 2, and a debtor terminal 3. The dunning management device 1 is configured to be able to communicate with the creditor device 2 and the debtor terminal 3 via a communication network NW.

[0036] The dunning management device 1 acquires resource information, basic debtor information, etc. stored in the creditor device 2. Furthermore, the dunning management device 1 determines the content of the dunning to be sent to the debtor using the information stored in the memory unit, acquired information, accepted information, etc. The dunning management device 1 can be a general-purpose server computer or a personal computer. It is also possible to configure the dunning management device 1 using multiple computers.

[0037] In this embodiment, a reminder is a notice or the like to urge the debtor to fulfill a promise or to perform an action. For example, it includes reminders (reminders regarding debts such as repayment dates) sent to the debtor before the debt repayment date (before arrears) and / or after the debt repayment date, and reminders sent to the debtor after the debt repayment date to urge the debtor to fulfill the debt.

[0038] The creditor device 2 accepts input of resource information and the like from the creditor and transmits it to the dunning management device 1. For example, resource information could be the budget available for the creditor to carry out dunning and the number of telephone lines. The creditor device 2 also accepts basic debtor information and the like via the debtor terminal 3. Furthermore, the creditor sets information about his or her debt, such as the repayment date, via the creditor device 2. A general-purpose server computer or a personal computer can be used as the creditor device 2. Alternatively, a terminal device such as a smartphone, tablet terminal, or personal computer can be used as the creditor device 2.

[0039] The debtor terminal 3 accepts input of debtor information and the like from the debtor and transmits it to the dunning management device 1. Possible debtor information includes the debtor's gender, age, occupation, contact information, etc. The debtor may also set information about his or her debt, such as setting the monthly repayment amount, via the debtor terminal 3. The debtor terminal 3 can be a terminal device such as a smartphone, tablet terminal, or personal computer.

[0040] In this embodiment, the communication network NW is an IP (Internet Protocol) network, but there is no limitation on the type of communication protocol, and there is also no limitation on the type and scale of the network.

[0041] <Hardware configuration> Fig. 2 is a hardware configuration diagram. As shown in Fig. 2(a), the information processing device 10 (the dunning management device 1 and the creditor device 2) has a control unit 101, a memory unit 102, and a communication unit 103, which are used to perform the functions of each unit and each process.

[0042] The control unit 101 includes one or more processors such as a CPU (Central Processing Unit), and controls the overall operation and processing of the dunning management device 1 by executing the dunning management program of the present invention, an OS (Operating System), browser software, and other applications.

[0043] The storage unit 102 is a hard disk drive (HDD), read only memory (ROM), random access memory (RAM), etc., and stores the dunning management program according to the present invention and data used when the control unit 101 executes processing based on the program. The control unit 101 executes processing based on the dunning management program stored in the storage unit 102, thereby realizing the functional configuration described below.

[0044] The communication unit 103 controls communication with the communication network NW, and performs inputs required to operate the dunning management device 1 and outputs related to the operation results.

[0045] As shown in FIG. 2(b), the terminal device 9 (debtor terminal 3) has a control unit 91, a memory unit 92, a communication unit 93, an input unit 94, and an output unit 95, which are used to perform the functions of each unit and each process.

[0046] The control unit 91 of the terminal device 9 includes one or more processors such as a CPU, and controls the overall operation and processing of the terminal device 9. The storage unit 92 of the terminal device 9 is an HDD, ROM, RAM, etc., and stores the above-mentioned applications and data used when the control unit 91 executes processing based on a program. The communication unit 93 of the terminal device 9 controls communication with the network. The input unit 94 of the terminal device 9 is a mouse, keyboard, etc., and inputs operation requests from the user / provider to the control unit 91. The output unit 95 of the terminal device 9 is a display, etc., and displays the results of processing by the control unit 91, etc.

[0047] <Functional components> As shown in FIG. 3, the dunning management device 1 includes an acquisition unit 11, a determination unit 12, a dunning implementation unit 13, a budget management unit 14, a repayment amount determination unit 15, a budget distribution unit 16, and a debtor classification unit 17.

[0048] The arrangement of these functional components is an example, and some of the functional components of the dunning management device 1 may be arranged in one or more devices configured to be able to communicate with the creditor device 2 and the debtor terminal 3.

[0049] <Data structure> 4 shows an example of the data configuration stored in the storage unit in this embodiment. The dunning management device 1 stores condition information regarding the dunning content to the debtor, debtor information regarding the debtor (e.g., debtor basic information, debtor behavior information, debt information, etc., which will be described later), and resource information in the storage unit. The creditor device 2 stores debtor basic information such as the debtor's name, debt amount, gender, age, occupation, address, telephone number, email address, etc.

[0050] The arrangement of each piece of data is also an example, and some or all of the data stored in the memory unit of the dunning management device 1 may be stored in one or more devices configured to be able to communicate with the creditor device 2 and the debtor terminal 3. Similarly, some or all of the data stored in the memory unit of the creditor device 2 may be stored in one or more devices configured to be able to communicate with the dunning management device 1 and the debtor terminal 3. Furthermore, some or all of the data stored in the memory unit of the debtor terminal 3 may be stored in one or more devices configured to be able to communicate with the dunning management device 1 and the debtor device 2.

[0051] The condition information is information about the details of the reminder sent to the debtor, and may include the reminder method, which is the method of reminding, and the costs incurred in carrying out the reminder. As shown in Figure 4(a), the condition information includes the reminder method and costs, and is managed by the reminder method ID. There may be one or more reminder methods. If there are multiple reminder methods, it may be possible to include the costs incurred in carrying out the reminder for each reminder method.

[0052] Possible collection methods include email, SMS (short message), telephone (e.g., auto-call, human telephone call, etc.), mail (e.g., collection letters, reminder postcards regarding the debt, etc.), push notification, human visits to the debtor's home, and litigation. The cost is the expense incurred per collection using that collection method. Since the cost of auto-call or human telephone calls varies depending on the call duration, a calculation formula using the call duration may be stored, or the average value incurred in the past may be used. Furthermore, since the cost of SMS varies depending on the number of characters, a calculation formula using the number of characters may be stored, or the average value incurred in the past may be used. Depending on the collection method, labor costs, postage, transportation costs, etc. may also be taken into account in the cost.

[0053] Debtor information is information about the debtor. Debtor information may include basic debtor information, which is information specific to the debtor. As shown in Figure 4(b), basic debtor information may include, for example, the debtor's name, gender, age, occupation, address, telephone number, email address, etc., and is managed by debtor ID.

[0054] The debtor information may also include debtor behavior information regarding the behavior of the debtor. The debtor behavior information includes information such as that shown in FIG. 4(c) and is managed by debtor ID. The debtor behavior information includes information obtained after the start of a collection request, such as information regarding the debtor's behavior (actions, etc.) in response to a collection request, such as an email containing the repayment due date being sent but no repayment being made, or an auto-call being made but no one answering the phone. The debtor behavior information may also include the number of collection requests made in cases where there is no response after multiple collection requests. For example, an auto-call being made 10 times but no one answering the phone. The debtor behavior information may further include information regarding the date and time of the debtor's action (repayment), such as the repayment date on which the debtor repaid the debt.

[0055] Furthermore, the debtor information may include debt information regarding the debtor's debt. The debt information includes information such as that shown in Figure 4(d) and is managed by debtor ID. For example, the debt information may include the debtor's debt amount, debt repayment date, monthly repayment amount, etc.

[0056] Resource information is information about the resources available to a creditor for sending collection requests, and includes information such as that shown in Figure 4(e), managed by creditor ID. Possible resource information includes the budget available to a creditor for sending collection requests over a given period (e.g., one day, one week, one month, one year), the number of telephone lines available for home calls, etc.

[0057] <Outline of the dunning management system> 5 is a schematic image diagram of the dunning management system according to this embodiment. The dunning management system according to this embodiment is a system that determines the dunning content for a debtor based on condition information, debtor information, and resource information.

[0058] The debtor transmits the debtor basic information to the debtor device 2 via the debtor terminal 3. The debtor device 2 stores the received debtor basic information in the storage unit (see (A)).

[0059] The dunning management device 1 acquires debtor information based on the debtor basic information stored in the debtor device 2. Furthermore, the dunning management device 1 acquires the debtor's resource information (see (B)).

[0060] The dunning management device 1 determines the dunning content for the debtor based on the condition information, debtor information, and resource information. Specifically, the dunning management device 1 determines at least one of the dunning means, the number of dunning attempts (i.e., the number of times the dunning attempts are made), the dunning time period (i.e., the time period when the dunning attempts are made), the dunning timing (i.e., the time when the dunning attempts are made), and the guidance text for providing information about the dunning attempts (see (C)).

[0061] The dunning management device 1 implements the determined dunning content to the debtor. Specifically, the dunning management device 1 sends emails, makes home calls, etc. to the debtor (see (D)). The dunning management device 1 may store debtor behavior information regarding the behavior of the debtor obtained by implementing the dunning after the implementation of the dunning in the storage unit as debtor information.

[0062] <Storing debtor information> 6 is a flowchart of the processing in this embodiment. First, in step S601, the acquisition unit 11 acquires the debtor basic information and stores it in the memory unit as debtor information. The acquisition unit 11 may acquire the debtor basic information via the creditor device 2 or via the debtor terminal 3.

[0063] <Get resource information> In step S602, the acquisition unit 11 acquires resource information. For example, the acquisition unit 11 may acquire resource information stored in the creditor apparatus 2. The creditor apparatus 2 may not necessarily store resource information; for example, a contractor entrusted by the creditor may call the debtor. In this case, the acquisition unit 11 needs to acquire the number of telephone lines available to the creditor based on a contract or the like with the contractor, rather than the number of telephone lines of the creditor, and may acquire this information directly.

[0064] <Determining the content of the reminder> In step S603, the determination unit 12 determines the content of the reminder for the debtor (at least one of the reminder means, number of reminders, reminder time period, reminder timing, and expression in the reminder means (e.g., guidance text, guidance voice for guiding the reminder, etc.)) based on the condition information, debtor information, and resource information.

[0065] As an example, consider a case where the only reminder method is auto-call, the cost incurred for making one auto-call is 10 yen as condition information, the debtor's occupation is stored as debtor information, and the creditor's available budget per month is 100,000 yen as resource information. Since the monthly budget is 100,000 yen and the cost incurred for making one auto-call is 10 yen, 10,000 auto-calls per month are possible. Furthermore, since the debtor's occupation is stored as debtor information, it is preferable to make auto-calls at night for those whose occupations are likely to be working during the day. The determination unit 12 determines the number of reminders and the time period for reminders based on the condition information (costs, etc.), debtor information, and resource information (budget, etc.).

[0066] As an example, consider a case where the collection methods are email, autocall, and SMS, and the costs incurred for each email, autocall, and SMS are 0 yen, 10 yen, and 20 yen, respectively, as condition information; the debtor's occupation and phone number are stored as debtor information; and the creditor's available budget per month is 100,000 yen as resource information. Since the monthly budget is 100,000 yen and the costs incurred for each email, autocall, and SMS are 0 yen, 10 yen, and 20 yen, respectively, there is a limit to the total number of autocalls and SMS that can be sent per month. Furthermore, since the debtor's occupation is stored as debtor information, it is preferable to make autocalls at night for those whose occupations are likely to work daytime hours. Furthermore, it is preferable to focus on emails and SMS for those whose occupations are likely to work night shifts. Furthermore, if a landline number is stored as the debtor's phone number, SMS cannot be sent. The determination unit 12 determines the dunning means, number of dunning attempts, and dunning time period for each debtor based on condition information (such as the cost for each dunning means), debtor information, and resource information (such as the budget).

[0067] Furthermore, as an example of debtor behavior information, we will cite whether or not a debtor takes any repayment-related actions (repaying the debt, notifying the debtor of the scheduled repayment date, logging in to a web page, etc.) when a certain debtor is reminded using a certain reminder method (email, telephone, etc.) and a certain number of reminders (for example, 10 times).

[0068] For example, if a certain debtor is reminded 10 times by email and no repayment action is obtained, debtor behavior information is obtained indicating that no action was taken from the debtor after that number of reminders.The determination unit 12 may determine that the reminder is ineffective based on the debtor behavior information and determine a different reminder for that debtor.For example, if the storage unit associates a threshold value with each reminder and stores it (e.g., 10 emails), and no action is taken from the debtor even after the reminder is sent the threshold number of times, the determination unit 12 determines that the reminder is ineffective.

[0069] Further, as an example of debtor behavior information, the repayment date on which the debtor repaid the debt is taken as an example. The determination unit 12 may determine a day on which the debtor is likely to repay based on the repayment date, and determine the timing of the reminder to the debtor. For example, if multiple repayment dates are concentrated at the end of the month on or after the 26th, the determination unit 12 may determine that the debtor is likely to repay at the end of the month. The determination unit 12 may determine a day on which the debtor is likely to repay based on past debtor behavior information (repayment date), and determine that in the future, the reminder will be carried out on a day close to the determined date (such as a few days before the determined date) (the reminder timing).

[0070] In addition, the determination unit 12 may determine the time and day when a debtor is likely to take action based on past reminder timings and whether or not the debtor has taken action, and determine the timing of reminders to be sent to the debtor. For example, for a debtor who does not respond to home call calls at night but responds to home call calls during the day, the determination unit 12 may decide to send home call calls during the day. Also, if reminders are sent by email at the beginning, middle, and end of the month, and the debtor makes a repayment immediately after the beginning of the month, the determination unit 12 may decide to send reminders to that debtor on a day closer to the beginning of the month in the future.

[0071] Furthermore, the determination unit 12 may determine that a reminder be sent in a specific month (the reminder timing). For example, summer bonuses are generally paid in June and July, and winter bonuses are generally paid in December. The determination unit 12 determines whether a bonus is likely to be paid to the debtor based on the debtor's occupation, and then determines the reminder timing. For example, if a debtor is working, there is a possibility that the debtor will receive a bonus. Therefore, the determination unit 12 may determine that a reminder be sent to a working debtor in the month in which the bonus is paid or in the month before that in order to remind the debtor of his or her debt.

[0072] Furthermore, when the date on which the debtor receives money (such as payday, bonus payment date, or pension payment date) is accepted as debtor basic information, the determination unit 12 may determine to carry out the reminder around that date. Specifically, the determination unit 12 determines to carry out the reminder on the day, a few days before, or a few days after the day on which the debtor receives money.

[0073] Furthermore, the determination unit 12 may determine a month in which more reminders will be sent than in other months (timing and number of reminders). A debtor who receives a bonus is considered to be more likely to repay his / her debt. Therefore, the determination unit 12 determines to increase the number of reminders for a debtor who receives a bonus in that month. The determination unit 12 may also determine to increase the number of reminders for a debtor who receives a bonus in the month before the bonus is paid, in order to remind the debtor who receives a bonus of his / her debt.

[0074] Furthermore, in order to determine the details of the reminder for each debtor, the budget management unit 14 manages the remaining budget amount according to the reminder status during a specified period. For example, if the monthly budget is 100,000 yen, but most debtors repay their debts through reminders by email, which costs 0 yen, there will be a surplus in the monthly budget. In this case, it will be decided to use reminder methods that incur higher costs for the remaining debtors, or to send reminders more frequently.

[0075] The determination unit 12 determines the details of the reminder for each debtor based on the condition information, debtor information, and the remaining amount. Specifically, if the remaining amount of the budget is equal to or greater than a certain threshold (e.g., more than half of the monthly budget) even after a period (e.g., three weeks) set by the creditor or the like has passed within a predetermined period (e.g., one month), the determination unit 12 may determine the details of the reminder so as to use up the remaining amount of the budget.

[0076] Furthermore, the determination unit 12 may determine the expression in the dunning means based on history information regarding the history of dunning sent to the debtor. The history information may include the number of dunning sent to the debtor, etc. The expression in the dunning means may include the contents of emails (subject and body), SMS (message), and mail (postcards, etc.) sent to the debtor, as well as the contents of auto-calls made to the debtor. For debtors who have not taken any action regarding repayment despite multiple dunnings, the expression in the dunning means may be changed.

[0077] For example, if no repayment is made even after the repayment due date, it is possible that the debtor has simply forgotten to make the repayment, so the decision unit 12 decides to send a reminder email or an auto-call with a voice message gently encouraging the debtor to repay the debt up to a predetermined number of times (for example, up to three times) after the repayment due date. The gentle message encouraging the debtor to repay the debt may be, for example, the same message as that sent before the debt repayment due date, such as a debt reminder. Other possible messages may include a message indicating that the repayment due date has passed.

[0078] On the other hand, if the debt is not repaid despite a predetermined number of reminders being sent after the due date, the decision unit 12 decides to send a reminder by email or by auto-call with a message strongly urging the debtor to repay the debt. The message strongly urging the debtor to repay the debt may include actions that the creditor may take in the future if the debt is not repaid, such as a suggestion of taking legal action.

[0079] The memory unit stores multiple types of written content (email, SMS, mail, etc.) and spoken content (auto-call), and further stores a predetermined number of times for each written content and spoken content, thereby enabling the determination unit 12 to determine the expression in the collection means for each debtor.

[0080] <Implementation of reminders> In step S604, the dunning execution unit 13 executes the dunning content determined in step S603 by the determination unit 12. If the determination unit 12 determines to perform dunning by email, the dunning execution unit 13 may send an email to the debtor, or if the determination unit 12 determines to perform dunning by home call, the dunning execution unit 13 may send an instruction to make an home call to the debtor to a terminal or the like.

[0081] <Determining the collection amount based on the creditor's target collection amount> The acquisition unit 11 may acquire a target collection amount that the creditor aims to collect and a target collection amount repayment deadline by which the debtor must repay the target collection amount. The creditor may set a target collection amount that the creditor aims to collect for all of the creditors that the creditor holds, or may set a target collection amount that the creditor aims to collect for a specific debtor. The target collection amount repayment deadline may be a specific date (for example, June 30, 2024) or a period (one month from now).

[0082] The repayment amount determination unit 15 determines the repayment status of the debtor based on the target collection amount, the target collection amount repayment deadline, and the repayment amount from the debtor. Specifically, the repayment amount determination unit 15 compares the repayment amount from the debtor at the time the target collection amount repayment deadline arrives with the target collection amount, and determines whether the repayment amount has reached the target collection amount. The repayment amount determination unit 15 may also calculate the ratio of the repayment amount from the debtor to the target collection amount.

[0083] The determination unit 12 determines the details of the reminder (for example, changing the reminder method, increasing the number of reminders, etc.) for each debtor based on the result of the judgment. Specifically, if the debt from the debtor has not reached the target collection amount when the target collection amount repayment deadline arrives, the determination unit 12 may determine the details of the reminder (changing to a reminder method that incurs more costs, increasing the number of reminders, etc.). In addition, the determination unit 12 may determine the details of the reminder based on the ratio of the repayment amount from the debtor to the target collection amount when the target collection amount repayment deadline arrives.

[0084] By setting a target collection amount and a target collection deadline, creditors can make collection requests tailored to the creditor's circumstances. For example, a creditor may wish for the debtor to repay before the repayment date for their own convenience. Since the repayment date has not yet arrived, the creditor cannot be forced to repay, but by sending reminders, the debtor will become aware of their debt and can be expected to repay. Also, if the debtor's debt amount is large and no monthly repayment amount has been set, it is considered unrealistic for the debtor to repay the amount in one lump sum. Creditors can set a target collection amount and a target collection deadline for such debtors to encourage regular debt repayment.

[0085] <Determining the content of reminders using the debtor's expected contact date and expected repayment date> The acquisition unit 11 may acquire, via the debtor terminal 3, the scheduled contact date on which the debtor plans to contact the creditor, or the scheduled repayment date on which the debtor plans to repay the creditor. If the debtor is busy, it is possible that the debtor will not be able to contact the creditor immediately. It is also possible that there is a debtor who will receive money and be able to repay the debt in a few days. For example, by including in an email sent to the debtor a uniform resource locator (URL) that takes the debtor to a page where the debtor can enter the scheduled contact date or scheduled repayment date, the debtor can easily enter the date on which the debtor will be able to contact or the date on which the debtor plans to repay. This allows the creditor to understand the debtor's situation.

[0086] The determination unit 12 determines a non-implementation period during which no reminders will be sent to the debtor based on the debtor information, the scheduled contact date, and / or the scheduled repayment date. Sending reminders when a scheduled date for the debtor to contact or repay the creditor has been determined will result in unnecessary costs. Therefore, for example, the determination unit 12 may determine not to send reminders to the debtor until the scheduled contact date and / or the scheduled repayment date has passed. The determination unit 12 may also determine not to send reminders until a few days before or a few days after the scheduled date.

[0087] <Determining the details of the budget allocation for each debtor> The budget distribution unit 16 distributes a budget to each debtor based on the debtor information. Since debt amounts and repayment dates vary depending on the debtor, it may be preferable to implement more costly reminder methods or send reminders more frequently to encourage repayment for some debtors. By distributing different budgets to each debtor, it becomes possible to encourage specific debtors to repay their debts.

[0088] For example, the budget distribution unit 16 may allocate a larger budget to debtors with larger debts based on debt information. The budget distribution unit 16 may also allocate a larger budget to debtors who are slow to take action based on debtor behavior information. Furthermore, the budget distribution unit 16 may allocate a larger budget to older debtors based on debtor basic information.

[0089] Furthermore, the budget distribution unit 16 may distribute the budget to each debtor based on the priority input by the creditor. It is conceivable that different creditors may wish to send reminders to different debtors. The budget distribution unit 16 may distribute a larger amount of the budget to creditors with higher priorities input by the creditors.

[0090] <Determining the details of dunning by grouping debtors> The debtor classification unit 17 groups debtors based on the debtor information. The determination unit 12 may determine the details of the reminder based on the grouping performed by the debtor classification unit 17.

[0091] For example, the debtor classification unit 17 groups debtors into a group of debtors who have made repayments in the past and a group of debtors who have not made repayments in the past, based on the debtor behavior information. The determination unit 12 may determine the timing of reminders to be concentrated on the date of the previous repayment or a few days before that for debtors in the group who have made repayments in the past. Furthermore, the determination unit 12 determines reminder content to contact debtors in the group who have not made repayments in the past as soon as possible. In order to contact debtors as soon as possible, the determination unit 12 may decide to implement reminder measures that incur more costs or to implement more reminders. Furthermore, in order to contact debtors as soon as possible, the budget allocation unit 16 may give the debtor a higher priority and allocate a larger budget to that debtor.

[0092] Furthermore, the debtor classification unit 17 groups debtors with small debt amounts based on the debt information. For example, debtors with debt amounts of 100,000 yen or less are more likely to repay, so the determination unit 12 determines that debtors in the small debt amount group should be reminded as soon as possible (the timing of reminder).

[0093] As described above, the configuration of the present invention can provide a new technique for determining appropriate reminder content to be given to a debtor. [Explanation of symbols]

[0094] 0 Dunning Management System 1 Dunning management device 11 Acquisition Department 12 Decision Section 13. Collection and Implementation Department 14. Budget Management Department 15 Repayment amount determination section 16. Budget Allocation Division 17 Debtor Classification Department 2. Creditor Device 3 Debtor terminal NW communication network

Claims

1. A debt collection management system for managing debt collection, The dunning management system includes a storage unit, an acquisition unit, and a determination unit, The storage unit stores condition information regarding the details of a reminder to a debtor and debtor information regarding the debtor; the acquiring unit acquires resource information regarding resources available for the creditor to make a collection request; the determination unit determines the details of the reminder to be sent to the debtor based on the condition information, the debtor information, and the resource information. Dunning management system.

2. The debtor information includes debtor behavior information regarding behavior obtained from the debtor. The dunning management system according to claim 1 .

3. The condition information includes costs incurred in implementing the reminder. the resource information includes a budget available for conducting dunning for a predetermined period of time; the determination unit determines the details of the reminder for each debtor based on the cost, the debtor information, and the budget. The dunning management system according to claim 1 or 2.

4. The dunning management system includes a budget management unit, The budget management unit manages the remaining amount of the budget according to the reminder status during the predetermined period, the determination unit determines the details of the reminder for each debtor based on the condition information, the debtor information, and the remaining amount. The dunning management system according to claim 3 .

5. The dunning management system includes a repayment amount determination unit, The acquisition unit acquires a target collection amount that the creditor aims to collect and a target collection amount repayment deadline by which the debtor is to repay the target collection amount, the repayment amount determination unit determines the repayment status of the debtor based on the target collection amount, the target collection amount repayment deadline, and the repayment amount from the debtor; the determination unit determines the details of the reminder for each debtor based on the result of the determination. The dunning management system according to claim 3 .

6. The condition information includes a plurality of types of reminder means, and further includes a cost incurred in implementing the reminder means for each of the reminder means, the determination unit determines the means of dunning and the number of times for each debtor based on the cost for each means of dunning, the debtor information, and the budget; The dunning management system according to claim 3 .

7. the acquisition unit acquires, via the debtor terminal, a planned contact date on which the debtor plans to contact the creditor, or a planned repayment date on which the debtor plans to repay the creditor, the determination unit determines a non-implementation period during which no reminders will be sent to the debtor based on the debtor information, the scheduled contact date, and / or the scheduled repayment date; The dunning management system according to claim 1 or 2.

8. The dunning management system includes a budget distribution unit, the budget distribution unit distributes a budget to each debtor based on the debtor information; The dunning management system according to claim 3 .

9. The reminder means includes email, short message, and auto-call. the determination unit determines a dunning means for each of the debtors based on the cost for each of the dunning means, the debtor information, and the budget. The dunning management system according to claim 6.

10. The storage unit stores history information of reminders issued to the debtor, the determination unit determines a reminder expression to be used by the reminder means based on the debtor information and the history information; The dunning management system according to claim 9 .

11. A dunning management method executed by a dunning management system that manages debt dunning, The dunning management system includes a storage unit, an acquisition unit, and a determination unit, a step in which the storage unit stores condition information relating to the details of the reminder to the debtor and debtor information relating to the debtor; The acquisition unit acquires resource information regarding resources available for the creditor to make a collection request; the determination unit determines details of a reminder to be given to the debtor based on the condition information, the debtor information, and the resource information, Dunning management methods.

12. A debt collection management program for managing debt collection, causing a computer to function as a storage unit, an acquisition unit, and a determination unit; The storage unit stores condition information regarding the details of a reminder to a debtor and debtor information regarding the debtor; the acquiring unit acquires resource information regarding resources available for the creditor to make a collection request; the determination unit determines the details of the reminder to be sent to the debtor based on the condition information, the debtor information, and the resource information. Dunning management program.

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