Seizure support device, seizure support method and program

Abstract

To provide a seizure supporting apparatus, a seizure supporting method and a program capable of suitably supporting seizure operation.SOLUTION: A seizure supporting apparatus receives a seizure file including one or a plurality of seizure data together with information for authentication required to acquire the seizure file from an administrative-organ terminal so as to receive target file information indicative of a seizure file to be acquired from a financial-institution terminal and the corresponding information for authentication, and then authenticates the seizure file based on the received target file information and the information for authentication so as to send the seizure file to the financial-institution terminal if authentication is successful. The seizure data includes a content of a written garnishment notification, and the information for authentication is inputted to the financial-institution terminal by a fact that the written garnishment notification has been delivered from an administrative organ to a financial institution and to be received from the financial-institution terminal.SELECTED DRAWING: Figure 4

Description

[Technical Field]

[0001] The present invention relates to a seizure assistance device, a seizure assistance method, and a program. [Background technology]

[0002] Systems for supporting the seizure of delinquent taxpayers have been proposed. For example, Patent Document 1 discloses a transaction investigation and seizure support system that aims to reduce the seizure workload of administrative agencies and financial institutions. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Publication No. 2020-95510 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the technology described in Patent Document 1 had the risk of violating Article 22 of the Local Tax Act, for example, by disclosing the information of delinquent taxpayers to financial institutions before the delivery of a notice of seizure of claims, and there was room for improvement in the operation of seizure procedures.

[0005] The present invention has been made in consideration of the above-mentioned circumstances, and aims to provide a seizure support device, a seizure support method, and a program that can favorably support seizure operations. [Means for solving the problem]

[0006] In order to achieve the above object, a seizure assistance device according to a first aspect of the present invention comprises: a seizure file receiving means for receiving a seizure file including one or more pieces of seizure data from an administrative agency terminal together with authentication information required to acquire the seizure file; an acquisition target receiving means for receiving target file information indicating the seized file to be acquired and the authentication information corresponding to the target file information from the financial institution terminal; an authentication means for authenticating the seized file received by the seized file receiving means based on the target file information and the authentication information received by the acquisition target receiving means; and a seizure file transmission means for transmitting the seizure file indicated by the target file information to the financial institution terminal if the authentication by the authentication means is successful, The seizure data includes the contents of a claim seizure notice, The target file information The authentication information corresponding to the above is sent from the administrative agency to the financial institution. together with the authentication information The notice of attachment of claim is input to the financial institution terminal upon delivery, and can be received from the financial institution terminal together with the target file information. It is characterized by:

[0007] The seizure file receiving means seizure Phi Luo and based on receiving the authentication information, seizure Phi Luo and a receipt number generating means for generating a receipt number including at least a file reception date and time that specifies the date and time that the authentication information was received, and transmission source administrative agency information that specifies the transmission source administrative agency, The acquisition target receiving means further receives an acquisition target file reception date and time that specifies the date and time that the seized file to be acquired was received, and acquisition target file transmission source administrative agency information that specifies the administrative agency that transmitted the seized file to be acquired, The authentication means authenticates the seized file received by the seized file receiving means based on the target file information, the authentication information, the acquisition target file reception date and time, and the acquisition target file transmission source administrative agency information received by the acquisition target receiving means. This may be done.

[0008] The authentication means authenticates the seized files by determining whether or not the file reception date and time and the sending administrative agency information specified by the reception number corresponding to the seized file match the acquisition target file reception date and time and the acquisition target file sending administrative agency information received by the acquisition target receiving means, among the seized files received by the seized file receiving means, for the seized files whose authentication information matches the authentication information received by the acquisition target receiving means. This may be done.

[0009] In order to achieve the above object, a seizure assistance method according to a second aspect of the present invention comprises: A seizure support method using a seizure support device, a seizure file receiving step of receiving a seizure file including one or more pieces of seizure data from an administrative agency terminal together with authentication information required to acquire the seizure file; an acquisition target receiving step of receiving target file information indicating the seized file to be acquired and the authentication information corresponding to the target file information from the financial institution terminal; an authentication step of authenticating the seized file received in the seized file receiving step based on the target file information and the authentication information received in the acquisition target receiving step; a seizure file transmission step of transmitting the seizure file indicated by the target file information to the financial institution terminal if the authentication by the authentication step is successful, The seizure data includes the contents of a claim seizure notice, The target file information The authentication information corresponding to the above is sent from the administrative agency to the financial institution. together with the authentication information The notice of attachment of claim is input to the financial institution terminal upon delivery, and can be received from the financial institution terminal together with the target file information. It is characterized by:

[0010] In order to achieve the above object, a program according to a third aspect of the present invention comprises: Computer, a seizure file receiving means for receiving a seizure file including one or more pieces of seizure data from an administrative agency terminal together with authentication information required to acquire the seizure file; an acquisition target receiving means for receiving target file information indicating the seized file to be acquired and the authentication information corresponding to the target file information from the financial institution terminal; an authentication means for authenticating the seized file received by the seized file receiving means based on the target file information and the authentication information received by the acquisition target receiving means; If the authentication by the authentication means is successful, the seizure file transmission means functions as a seizure file transmission means for transmitting the seizure file indicated by the target file information to the financial institution terminal; The seizure data includes the contents of a claim seizure notice, The target file information The authentication information corresponding to the above is sent from the administrative agency to the financial institution. together with the authentication information The notice of attachment of claim is input to the financial institution terminal upon delivery, and can be received from the financial institution terminal together with the target file information. It is characterized by: [Effects of the Invention]

[0011] According to the present invention, seizure operations can be favorably supported. [Brief explanation of the drawings]

[0012] [Figure 1] FIG. 1 is a block diagram illustrating an example of a foreclosure assistance system. [Figure 2] FIG. 1 is a block diagram showing an example of a seizure assistance device. [Figure 3] FIG. 10 is an explanatory diagram showing an example of claim attachment information. [Figure 4] 10 is a flowchart showing an example of processing of the seizure support system. [Figure 5] FIG. 10 is an explanatory diagram showing an example of a seizure file. [Figure 6] FIG. 10 is an explanatory diagram showing an example of a seized file acquisition screen. [Figure 7] FIG. 10 is an explanatory diagram showing an example of seized file request information. [Figure 8] 10 is a flowchart illustrating an example of processing of the seizure support system. DETAILED DESCRIPTION OF THE INVENTION

[0013] (Embodiment) A foreclosure assistance device, a foreclosure assistance method, and a program according to an embodiment of the present invention will be described in detail with reference to the drawings. The same or corresponding parts in the drawings are designated by the same reference numerals. The following describes an example in which the foreclosure assistance device of the present invention is applied to a foreclosure assistance system 1 shown in FIG. 1.

[0014] As shown in Figure 1, the seizure support system 1 is composed of an administrative terminal 200, a financial institution terminal 300, and a seizure support device 100, each of which is communicatively connected via a network 210. Note that although the illustrated example shows a single administrative terminal 200 and a single financial institution terminal 300, there may be multiple administrative terminals and financial institution terminals.

[0015] Administrative terminal 200 is an information terminal (so-called computer) such as a smartphone, tablet, or PC (Personal Computer) at an administrative agency (executive agency) that performs seizure work on debtors, such as a court, tax office, local government, or Japan Pension Service, and is capable of sending and receiving various data to and from seizure support device 100 via network 210. Administrative terminal 200 corresponds to an administrative agency terminal.

[0016] The financial institution terminal 300 is an information terminal (so-called computer) such as a smartphone, tablet, or PC (Personal Computer) at a financial institution such as a bank, insurance company, or securities company that seizes a debtor's account based on instructions from an administrative agency, and is capable of sending and receiving various data with the seizure support device 100 via the network 210.

[0017] The seizure support device 100 is a computer such as a server, and is capable of transmitting and receiving various data to and from the administrative terminal 200 and the financial institution terminal 300 via the network 210. The seizure support device 100 has the function of supporting the administrative terminal 200 in requesting a financial institution to seize and providing the financial institution with information on the seizure. In this embodiment, the seizure support device 100 can support two types of seizure operations: seizure, which prevents a debtor from exercising their deposit claim with the financial institution, and collection, which forcibly recovers the claim amount from the seized account. The two types of seizure operations are immediate collection, which involves both seizure and collection, and collection suspension, which involves only seizure. The seizure support device 100 also has the function of instructing collection from the seized account after suspension of collection, and the function of instructing the release of the seizure. Furthermore, the seizure support device 100 has a function that enables the information of the delinquent taxpayer to be obtained only after the notice of seizure of the claim has been delivered to the financial institution, so that the information of the delinquent taxpayer is not disclosed to the financial institution before the notice of seizure of the claim has been delivered.

[0018] Next, the configuration of the seizure assistance device 100 will be described with reference to FIG.

[0019] As shown in FIG. 2, the seizure assistance device 100 includes a storage unit 110, a control unit 120, an input / output unit 130, a communication unit 140, and a system bus (not shown) that interconnects these units.

[0020] The storage unit 110 includes a ROM (Read Only Memory), a RAM (Random Access Memory), etc. The ROM stores a program 111 executed by a CPU (Central Processing Unit) of the control unit 120, various data (not shown) required in advance for executing the program 111, and claim attachment information 112.

[0021] The program 111 is a program for executing the processing of the seizure support system described later, and is stored in the storage unit 110 in advance.

[0022] The claim seizure information 112 is a list of information for identifying the object of seizure (see FIG. 3), and is stored in the memory unit 110 each time a seizure file containing seizure data is received. The seizure file is a file transmitted from an administrative agency to the seizure support device 100, and contains seizure data that can identify the claim to be seized. The seizure file is created by the transmitting administrative agency, and the seizure file contains one or more pieces of seizure data.

[0023] The seizure data includes a pre-assigned claim seizure notice number that can identify the claim to be seized, information that can identify the debtor such as name and address, seizure account information that can identify the deposit account to be seized such as the bank name, branch name, and account number, amount information that can identify the debt amount, seizure type information that specifies whether to collect immediately or to defer collection, and other necessary information. Other necessary information includes, for example, information that identifies the administrative agency that is the enforcement body, and, if the claim arises due to unpaid taxes, information that specifies the type of unpaid taxes.

[0024] 3, the claim attachment information 112 includes at least a receipt number, the file name of the seized file, a type for identifying whether the seized file is a file to be seized or a file of other interest, a delivery number, and a password. The illustrated example shows a case in which seizure files corresponding to receipt numbers "001XXX56X" and "003XXX56X" are sent from administrative agency A, and seizure files corresponding to receipt numbers "002XXX44X" and "003XXX44X" are sent from administrative agency B, and are stored in the memory unit 110 as claim attachment information 112. The illustrated example also shows a case in which the delivery number and password of the seizure file corresponding to receipt number "001XXX56X" sent from administrative agency A are the same as the delivery number and password of the seizure file corresponding to receipt number "003XXX44X" sent from administrative agency B. As described above, in this embodiment, although duplicate delivery numbers and passwords are not permitted within the same administrative agency, the same delivery number and password may be set, for example, between administrative agency A and administrative agency B. This can lead to such an event. As shown in FIG. 3, claim seizure information 112 includes various types of information on seizure data contained in the seizure file. Furthermore, rather than centrally managing the claim seizure information 112, lists of information included in each seizure data, such as the claim seizure notice number, information that can identify the debtor, such as name and address, seizure account information that can identify the deposit account to be seized, amount information that can identify the debt amount, information indicating whether collection is on hold, and other necessary information, may be stored in association with the seizure file separately from claim seizure information 112.

[0025] The receipt number is generated each time the seizure file is transmitted by the function of the seizure file transmission / reception unit 121, which will be described later. The receipt number includes information that can identify the date and time when the seizure file was transmitted from the administrative terminal 200 (the date and time when the seizure support device 100 received the seizure file), the administrative agency that sent it, and the number of the transmitted seizure file out of the total number of files.

[0026] The delivery number and password are set by an input operation on the administrative terminal 200, and are set arbitrarily by the user of the administrative terminal 200. Note that at least one of the delivery number and password may be automatically generated by an input operation by the user of the administrative terminal 200.

[0027] The control unit 120 is composed of a CPU, an ASIC (Application Specific Integrated Circuit), etc. The control unit 120 operates in accordance with a program 111 stored in the memory unit 110, and executes processing in accordance with the program 111. The control unit 120 includes a seizure file transmission / reception unit 121, a seizure file registration unit 122, an authentication unit 123, a result transmission / reception unit 124, and a collection suspension processing unit 125 as main functional units provided by the program 111 stored in the memory unit 110.

[0028] The seizure file transmitting / receiving unit 121 is a functional unit that receives a seizure file generated by the administrative terminal 200, along with a delivery number and password, via the communication unit 140, and transmits the received seizure file to the financial institution terminal 300 via the communication unit 140 in response to a request from the financial institution terminal 300. When the seizure file transmitting / receiving unit 121 transmits the seizure file to the financial institution terminal 300, processing such as immediate collection or collection suspension is performed depending on the seizure type specified by the seizure data included in the seizure file. The seizure file transmitting / receiving unit 121 also has a function to receive release or collection instruction information, which will be described later. Furthermore, the seizure file transmitting / receiving unit 121 also has a function to generate a receipt number each time it receives a seizure file from the administrative terminal 200. The seized file transmitting / receiving unit 121 counts the date and time when the seized file was received from the administrative terminal 200 (i.e., the date and time when the seized file was transmitted from the administrative terminal 200), the administrative agency that sent it, and the overall file number of the received seized file, and generates a receipt number. The overall file number of the received seized file can be counted using a counter stored in the memory unit 110 (not shown).

[0029] The seizure file registration unit 122 is a functional unit that registers a seizure file received from the administrative terminal 200 in the claim seizure information 112. Specifically, every time the seizure file registration unit 122 receives a seizure file from the administrative terminal 200, it adds the received seizure file to the claim seizure information 112 stored in the memory unit 110, together with the reception number, etc.

[0030] Authentication unit 123 is a functional unit that performs authentication based on the password entered into financial institution terminal 300 to determine whether to permit the download of the seized file. Specifically, authentication unit 123 determines whether the password and corresponding delivery number included in the seized file request information (see FIG. 7) received from financial institution terminal 300 are registered in claim seizure information 112 stored in memory unit 110. Then, authentication unit 123 performs authentication to determine whether to permit the download of the seized file requested by the financial institution based on whether the seized file transmission date / time and sending administrative agency information indicated in the file request information match the seized file transmission date / time and sending administrative agency identified by the reception number of the seized file determined to be registered among the seized files included in claim seizure information 112. As a result, if the password, delivery number, seized file transmission date / time, and sending administrative agency information included in the file request information received from financial institution terminal 300 match, the corresponding seized file can be downloaded.

[0031] As described above, the delivery number and password are set by inputting them into administrative terminal 200. Note that, as will be described in more detail later, in this embodiment, although overlapping delivery numbers and passwords are not permitted within the same administrative agency, the same delivery number and password may be set, for example, between administrative agency A and administrative agency B. Therefore, in addition to authenticating the delivery number and password, authentication unit 123 also determines whether the information on the transmission date and time of the seized file and the sending administrative agency matches the transmission date and time of the seized file and the sending administrative agency identified by the reception number, thereby preventing the download of a seized file different from the seized file requested to be downloaded and enhancing security.

[0032] The result transmission / reception unit 124 is a functional unit that receives the results of the immediate collection or collection deferral processing performed at the financial institution terminal 300 via the communication unit 140, and transmits the results to the administrative terminal 200 via the communication unit 140.

[0033] The collection suspension processing unit 125 is a functional unit having a function to receive from the administrative terminal 200 an instruction to execute a collection process to execute the suspended collection or an instruction to execute a release process to release the seizure status for seized data for which collection is suspended at the financial institution terminal 300, and a function to send the instruction to execute the collection process or the instruction to execute the release process to the financial institution terminal 300. The collection suspension processing unit 125 also has a function to search from the claim seizure information 112 for seized data for which an instruction to execute a collection process or an instruction to execute a release process is to be issued.

[0034] The input / output unit 130 is a device that is configured with a keyboard, a mouse, a camera, a microphone, a liquid crystal display, an organic EL (Electro-Luminescence) display, and the like, and is used to input and output various types of data.

[0035] Communication unit 140 is a device that enables seizure support apparatus 100 to communicate with other information terminals such as administrative terminal 200 and financial institution terminal 300 via network 210. The configuration of seizure support apparatus 100 has been described above.

[0036] Next, the operation of the seizure support system 1 will be described with reference to Figs. 4 to 8. Specifically, Fig. 4 is a flowchart showing an example of the processing of the seizure support system 1 up to the processing of immediate collection or collection suspension. Fig. 5 is an explanatory diagram showing an example of a seizure file. Fig. 6 is an explanatory diagram showing an example of a seizure file acquisition screen. Fig. 7 is an explanatory diagram showing an example of seizure file request information. Fig. 8 is a flowchart showing an example of the processing of the seizure support system 1 after the processing of collection suspension has been performed.

[0037] First, the process 1 of the administrative terminal shown in Fig. 4 is started by the user operating the administrative terminal 200. Specifically, the process of the administrative terminal is started by performing the operation required to create a seizure file on the administrative terminal 200.

[0038] When process 1 of the administrative terminal is started, the administrative terminal 200 makes a request to create a seizure file by sending request information to the seizure support device 100 to request that the seizure support device 100 display a seizure file creation screen for creating a seizure file (step S11). Specifically, in the process of step S11, the administrative terminal 200 sends the request information to the seizure support device 100, for example, by an operation to launch an application for creating a seizure file.

[0039] On the side of the seizure support device 100, when the request information is received, process 1 of the seizure support device is started. When process 1 of the seizure support device is started, the control unit 120 of the seizure support device 100 provides the seizure file creation screen to the administrative terminal 200 by transmitting the seizure file creation screen (step S12).

[0040] Next, when the administrative terminal 200 receives the seizure file creation screen, the seizure file creation screen is displayed on the administrative terminal 200, and the user inputs the seizure data including the claim seizure notice number, information that can identify the debtor, such as name and address, seizure account information that can identify the deposit account to be seized, such as bank name, branch name, and account number, amount information that can identify the debt amount, seizure type information that specifies whether to collect immediately or to defer collection, and other necessary information, sets a sending method and password for the number of seizure data that the user wants to send as a single file, and creates the seizure file shown in Figure 5 (step S13). As shown in Figure 5, the seizure file contains one or more pieces of seizure data to be sent from the administrative agency to the seizure support device 100, and a sending number and password are set for each seizure file. In the illustrated example, the seizure file with the file name "sample_11" contains seizure data corresponding to the seizure notice number "00812" and seizure data corresponding to "00962." The seizure data corresponding to the seizure notice number "00812" is "immediate collection," and the seizure data corresponding to "00962" is "pending collection."

[0041] After executing the processing of step S13, the administrative terminal 200 transmits the created seizure file to the seizure support device 100 along with the delivery number and password (step S14). Note that, in the processing of step S14, information identifying the administrative agency that is the sender is also transmitted. The transmitted seizure file, delivery number, and password are received by the function of the seizure file transmitting / receiving unit 121 of the control unit 120 in the seizure support device 100. Therefore, the seizure file transmitting / receiving unit 121 corresponds to a seizure file receiving means and a seizure file receiving step. When the seizure file, delivery number, and password are received by the function of the seizure file transmitting / receiving unit 121, the seizure file transmitting / receiving unit 121 generates a reception number based on the date and time of reception, information identifying the administrative agency that is the sender (sender administrative agency information), and counter information stored in the memory unit 110. Therefore, the seizure file transmitting / receiving unit 121 corresponds to a reception number generating means. When the seizure file is sent to the seizure support device 100 in step S14, a claim seizure notice corresponding to the seizure data included in the seizure file, notifying the creditor that the creditor will forcibly collect the debt, is sent from the administrative agency to the financial institution whose bank account is being seized, along with a password and a mailing number required to obtain the seizure data. In this embodiment, the claim seizure notice is a paper medium. The financial institution can then obtain (download) the target seizure file from the seizure support device 100 by entering the password enclosed with the delivered claim seizure notice via the financial institution terminal 300. In other words, the financial institution cannot obtain (download) the seizure file until it receives the claim seizure notice. This prevents the defaulter's information from being disclosed to the financial institution before the claim seizure notice is delivered, thereby effectively supporting the seizure process.

[0042] On the seizure support device 100 side, when the seizure file, etc. (seizure file, delivery number, and password) is received, the control unit 120 registers the received seizure file, etc., together with the reception number in the claim seizure information 112 (step S15). Specifically, in the processing of step S15, the control unit 120, using the function of the seizure file registration unit 122, adds the received seizure file to the claim seizure information 112 stored in the memory unit 110 in association with the generated reception number, thereby storing the file as the claim seizure information 112. Also, in the processing of step S15, the control unit 120, using the function of the seizure file registration unit 122, also stores the password, delivery number, and type information associated with the seizure file in the memory unit 110. Note that the password may be stored as the claim seizure information 112, or may be stored in the memory unit 110 separately from the claim seizure information 112. Also, the password corresponds to authentication information.

[0043] Meanwhile, when the financial institution receives the claim seizure notice mailed from the administrative agency, it obtains the password printed on the document enclosed with the claim seizure notice and the corresponding delivery number. Then, the user operates financial institution terminal 300 to start process 1 on the financial institution terminal. Specifically, process 1 on the financial institution terminal is started by performing the operation necessary to download the seizure data on financial institution terminal 300.

[0044] When process 1 of the financial institution terminal is started, the financial institution terminal 300 makes a request to acquire the seized file by transmitting request information to request the seizure support device 100 to display a seizure file acquisition screen for acquiring the seizure file (step S16A). Specifically, in the process of step S16A, the financial institution terminal 300 transmits the request information to the seizure support device 100, for example, by operating to launch an application for acquiring the seizure file.

[0045] On the side of the seizure support device 100, when the request information is received, the control unit 120 transmits a seizure file acquisition screen, thereby providing the seizure file acquisition screen shown in FIG. 6 to the financial institution terminal 300 (step S12).

[0046] Next, when the financial institution terminal 300 receives the seizure file acquisition screen, the seizure file acquisition screen is displayed on the financial institution terminal 300, as shown in FIG. 6. The financial institution terminal 300 then checks the seizure file desired to download from the passwords obtained from the document enclosed with the claim seizure notice and enters the password corresponding to the seizure file. The user then operates the download button shown in the figure to send seizure file request information to the seizure support device 100 and request the acquisition of the seizure file (step S16B). As shown in FIG. 7, the seizure data request information includes the entered password as well as the seizure file transmission date and time (seizure file reception date and time), type, originating administrative agency, and delivery number. The seizure support device 100 then receives the seizure data request information via the communication unit 140. The function and step of the seizure support device 100 that receives the seizure file request information correspond to the acquisition target receiving means and acquisition target receiving step, and the entered password corresponds to the authentication information. Also, the delivery number corresponds to the target file information. The date and time of sending the seizure file included in the seizure file request information corresponds to the date and time of receiving the acquisition target file, and the information of the sending administrative agency corresponds to the information of the administrative agency that sent the acquisition target file.

[0047] When the seizure support device 100 receives the seizure file request information, the control unit 120, using the function of the authentication unit 123, performs authentication to determine whether or not to permit downloading of the seized file based on the password, delivery number, seized file transmission date and time, and information on the sending administrative agency included in the seizure file request information, and determines whether or not the authentication is successful (step S17A). The authentication unit 123 that executes the processing of step S17A and step S17A correspond to the authentication means and the authentication step.

[0048] Specifically, in step S17A, authentication unit 123 determines whether the password and delivery number included in the seizure file request information (see FIG. 7) received from financial institution terminal 300 are registered in claim seizure information 112 (see FIG. 3) stored in memory unit 110. It determines whether the password "XYZ0123" corresponding to delivery number "1234567890" in the seizure file request information shown in FIG. 7 matches those registered in claim seizure information 112 shown in FIG. 3. In the example shown in FIG. 3, it determines that the delivery number and password of the seizure file corresponding to reception number "001XXX56X" sent from administrative agency A match the delivery number and password of the seizure file corresponding to reception number "003XXX44X" sent from administrative agency B.

[0049] The authentication unit 123 then determines that authentication is successful if the seizure file transmission date and time and the information on the sending administrative agency indicated in the file request information match the seizure file transmission date and time and the sending administrative agency identified by the reception number of the seizure file determined to be registered among the seizure files included in the claim seizure information 112. That is, the authentication unit 123 determines whether the seizure file transmission date and time "2023 / 11 / 21 11:34:33" and the sending administrative agency information "Administrative Agency A" in the seizure file request information shown in FIG. 7 match either the seizure file corresponding to reception number "001XXX56X" included in the claim seizure information 112 shown in FIG. 3 or the delivery number of the seizure file corresponding to reception number "003XXX44X." Here, as described above, the seizure file corresponding to reception number "001XXX56X" is a file sent from administrative agency A, and the seizure file corresponding to reception number "003XXX44X" is a file sent from administrative agency B. The transmission dates and times of the seized files are also different. Therefore, the authentication unit 123 determines that the file transmission date and time and the sending administrative agency identified by the reception number "001XXX56X" match the seized file transmission date and time "2023 / 11 / 21 11:34:33" in the seized file request information shown in Figure 7 and the sending administrative agency information "Administrative Agency A," and therefore determines that authentication of the seized file corresponding to the reception number "001XXX56X" has been successful.

[0050] If it is determined in step S17A that the authentication is successful (step S17A; Yes), the seized file transmitting / receiving unit 121 transmits the seized file for which it is determined that the authentication is successful to the financial institution terminal 300 (step S17B). That is, the seized file transmitting / receiving unit 121 starts downloading the seized file by transmitting the seized data to the financial institution terminal 300 in the processing of step S17. The seizure file transmission / reception unit 121 that executes the processing of step S17B and step S17B correspond to the seizure file transmission means and the seizure file transmission step. On the other hand, if it is determined that authentication has failed in step S17A (step S17A; No), that is, if the password and delivery number included in the seizure file request information received from the financial institution terminal 300 are not registered in the claim seizure information 112, or if the information on the seizure file transmission date and time and the sending administrative agency indicated by the file request information does not match either the seizure file transmission date and time or the sending administrative agency identified by the reception number of the seizure file that is determined to be registered, the authentication unit 123 notifies the financial institution terminal 300 of the authentication error (step S17C) and causes the processing of step S16B to be executed again.

[0051] The financial institution terminal 300, which has received the seizure file from the seizure support device 100, checks one or more pieces of seizure data contained in the received seizure file and executes a process to seize the deposit account identified by the seizure data (step S18). The deposit account to be seized can be identified by the seizure account information contained in the seizure data, and the processes of steps S18 to S21 can be executed the number of times corresponding to the number of pieces of seizure data contained in the seizure file. The process of step S21 may be executed on a seizure file basis rather than on a seizure data basis. In this case, it is sufficient to be able to confirm the processing results for each piece of seizure data.

[0052] After executing the processing of step S18, the financial institution terminal 300 checks the information on the seizure type included in the seizure data and determines whether or not the collection is to be immediate, i.e., whether to collect immediately or to suspend collection (step S19). If it is determined that immediate collection is to be performed (step S19; Yes), the financial institution terminal 300 collects the amount specified by the amount information included in the seizure data from the deposit account specified by the seizure account information included in the seizure data (step S20). Note that the destination of the collected amount may also be specified by the seizure data. Furthermore, after processing of step S20, the seizure of the deposit account may be released, or the seizure state may be maintained until instructions are received from the administrative terminal 200.

[0053] After executing the processing of step S20, or if it is determined in the processing of step S19 that collection should be withheld rather than immediately collected (step S19; No), the financial institution terminal 300 transmits the processing result to the seizure support device 100 (step S21), and ends processing 1 of the financial institution terminal. Specifically, in the processing of step S21, it is sufficient that at least information for identifying the seizure data, information on whether immediate collection or collection withholding was executed, and the execution result are transmitted as the processing result.

[0054] When the processing of step S21 is executed, the seizure support device 100 receives the processing result transmitted from the financial institution terminal 300 using the function of the result transmission / reception unit 124 of the control unit 120 (step S22). Then, using the function of the result transmission / reception unit 124, the received processing result is transmitted to the administrative terminal 200 (step S23), and processing 1 of the seizure support device is completed.

[0055] The administrative terminal 200 receives the processing result sent from the seizure support device 100 (step S24), and ends process 1 of the administrative terminal.

[0056] This makes it possible to use the seizure data to perform multiple types of seizure, such as immediate collection or collection suspension. When collection suspension is performed, only seizure is performed, as described above. In this case, the administrative agency negotiates with the debtor for a certain period of time, and then decides whether to collect or release the seizure. Therefore, the processing of the seizure support system 1 when the administrative agency decides whether to collect or release the seizure after suspension of collection is performed will be described with reference to FIG. 8.

[0057] First, the administrative terminal process 2 is started by the user operating the administrative terminal 200. Specifically, the administrative terminal process 2 is started by performing an operation required to instruct the administrative terminal 200 whether to collect or release the seizure.

[0058] When process 2 of the administrative terminal is started, the administrative terminal 200 requests the seizure support device 100 to search for seizure data by sending search request information to the seizure support device 100 (step S31). Specifically, in the process of step S31, the administrative terminal 200 inputs, for example, a claim seizure notice number to identify the seizure data to be searched, and sends this to the seizure support device 100 as search request information.

[0059] On the side of the seizure support device 100, when the search request information is received, process 2 of the seizure support device is started. When process 2 of the seizure support device is started, collection suspension processing unit 125 of control unit 120 in seizure support device 100 identifies seizure data corresponding to the claim seizure notice number identified by the search request information from the claim seizure information 112 (step S32). Note that the search request information corresponds to a search request, and collection suspension processing unit 125 that executes the process of step S32 corresponds to seizure data identification means.

[0060] After executing the process of step S32, the control unit 120 transmits the seizure data identified in the process of step S32 to the administrative terminal 200 by the function of the seizure file transmitting / receiving unit 121 (step S33).

[0061] On the administrative terminal 200 side, when the seizure data is received from the seizure support device 100, the user inputs an input to select whether to release or collect the seizure of the account indicated by the seizure data, and transmits the selected information as release or collection instruction information to the seizure support device 100 (step S34). The release or collection instruction information includes the seizure data and information on whether to release or collect. The release or collection instruction information corresponds to the release and collection instruction information. The transmitted release or collection instruction information is received by the function of the seizure file transmission and reception unit 121 of the control unit 120 in the seizure support device 100. In other words, the seizure file transmission and reception unit 121 corresponds to the release and collection instruction information receiving means.

[0062] Upon receiving the release or collection instruction information, seizure support device 100 transmits the received release or collection instruction information to financial institution terminal 300 using the function of collection suspension processing unit 125 of control unit 120 (step S35).

[0063] On the financial institution terminal 300 side, when the release or collection instruction information is received, processing 2 of the financial institution terminal is initiated. When processing 2 of the financial institution terminal is initiated, processing 2 of the financial institution terminal determines whether the content specified by the received release or collection instruction information is collection (step S36). If it is determined to be collection (step S36; Yes), the financial institution terminal 300 collects the amount specified by the amount information included in the seizure data from the deposit account specified by the seizure data included in the release or collection instruction information (step S37). On the other hand, if it is determined not to be collection (step S36; No), that is, if it is determined that the seizure has been released, the financial institution terminal 300 releases the seizure of the deposit account specified by the seizure data included in the release or collection instruction information (step S38). Note that after performing processing in step S37, the seizure of the deposit account may be released, or the seizure state may be maintained until instructions are received from the administrative terminal 200.

[0064] After executing the processing of step S37 or step S38, the financial institution terminal 300 transmits the processing result to the seizure support device 100 (step S39), and ends processing 2 of the financial institution terminal. Specifically, in the processing of step S39, it is sufficient that the processing results transmitted include at least information for identifying the seizure data, information on whether collection or release of seizure was executed, and the execution result.

[0065] When the processing of step S39 is executed, the seizure support device 100 receives the processing result transmitted from the financial institution terminal 300 using the function of the result transmission / reception unit 124 of the control unit 120 (step S40). Then, using the function of the result transmission / reception unit 124, the received processing result is transmitted to the administrative terminal 200 (step S41), and processing 2 of the seizure support device is terminated. Note that, for example, if the seizure is released, after the processing result is received in the processing of step S40, the seizure data corresponding to the processing result may be deleted from the claim seizure information 112.

[0066] The administrative terminal 200 receives the processing result sent from the seizure support device 100 (step S42), and ends process 2 of the administrative terminal.

[0067] This will allow for flexible responses such as collection and release of seizure depending on subsequent negotiations with the debtor, in the event that seizure is carried out, such as withholding collection.

[0068] The above is the operation of the seizure support system 1. As described above, according to the seizure support system 1 in this embodiment, the financial institution cannot acquire (download) the seizure file until it receives the claim seizure notice, which prevents the defaulter's information from being disclosed to the financial institution before the claim seizure notice is delivered, thereby enabling favorable support for seizure operations. Furthermore, multiple types of seizure, such as immediate collection using seizure data and collection suspension, can be performed. Furthermore, even if the administrative agency decides whether to collect or release the seizure after suspension of collection, this can be handled flexibly. Therefore, seizure operations can be favorably supported.

[0069] (Variation) The present invention is not limited to the above-described embodiment, and various modifications and applications are possible. For example, the seizure assistance device 100 according to the above-described embodiment does not need to have all of the technical features described above, but may have some of the configurations described in the above-described embodiment so as to solve at least one problem in the prior art. Furthermore, at least a portion of each of the following modifications may be combined.

[0070] In the above embodiment, an example has been shown in which a seizure file is created by a user's input operation on the administrative terminal 200, but this is just one example. For example, the seizure file may be created by reading a CSV file or the like that has been created in advance, rather than by a user's input operation. Furthermore, the entity that creates the seizure data does not have to be the administrative terminal 200. For example, the seizure support device 100 may create the seizure file by reading a CSV file stored in the administrative terminal 200.

[0071] In addition, in the above embodiment, an example was shown in which the password required to obtain the seizure file was mailed together with the seizure notice, but it is not limited to a password. For example, instead of a password, any information required to obtain the seizure file, such as a two-dimensional code such as a QR code (registered trademark) or a barcode, may be used.

[0072] In addition, in the above embodiment, an example was shown in which a seizure file received from administrative terminal 200 is sent to financial institution terminal 300 and processing corresponding to the seizure type of the seizure data contained in the seizure file is instructed to the financial institution, but this is just one example. For example, information on the seizure type, such as whether to collect immediately or withhold collection, may be sent separately from the seizure file. In this case, the information on the seizure type, such as whether to collect immediately or withhold collection, may be associated with information, such as a claim seizure notice number, that can identify which seizure type corresponds to which seizure data.

[0073] In the above embodiment, a search for seizure data is requested in step S31 of FIG. 8 , and the seizure support device 100 identifies the seizure data corresponding to the claim seizure notice number identified by the search request information from the claim seizure information 112 in step S32. However, this is merely an example. Alternatively, for example, the administrative terminal 200 may create instruction data including information corresponding to the seizure data for which collection is suspended and information instructing the release or collection, and transmit the instruction data to the seizure support device 100. The seizure support device 100 may then forward the received instruction data directly to the financial institution terminal 300. In other words, the seizure support device 100 may not perform a search, but may directly transmit information on the seizure data to be released or collected and information specifying whether to release or collect. If the seizure support device 100 does not perform a search, the administrative terminal 200 need not perform step S15 of FIG. 4. In other words, the seizure data does not need to be stored as the debt seizure information 112.

[0074] Furthermore, in the above embodiment, the processing of the seizure support system 1 after the collection suspension processing has been performed is shown as being performed on a seizure data unit basis as shown in Figure 8, but this is just one example. The processing shown in Figure 8 may also be performed on a seizure file unit basis, as with the processing shown in Figure 4. In other words, one or more seizure data may be treated as a single unit as a seizure file, and an instruction may be given as to whether to collect or release the seizure for the seizure data contained in the seizure file.

[0075] The seizure support device 100 according to the above embodiment can be realized using a normal computer, not a dedicated device. For example, the seizure support device 100 that executes the above-described processes may be configured by installing a program for executing any of the above-described processes on a computer from a recording medium that stores the program. Also, a single seizure support device 100 may be configured by multiple computers operating in cooperation with each other.

[0076] Furthermore, when the above-mentioned functions are realized by sharing the functions between an OS (Operating System) and an application, or by cooperation between the OS and the application, only the parts other than the OS may be stored on the medium.

[0077] It is also possible to superimpose the program on a carrier wave and distribute it via a communication network. For example, the program may be posted on a bulletin board system (BBS) on the communication network and distributed via the network. These programs may then be started and run under the control of an operating system in the same way as other application programs, thereby enabling the above-mentioned processing to be performed. [Explanation of symbols]

[0078] 1 Seizure support system, 100 Seizure support device, 110 Memory unit, 111 Program, 112 Debt seizure information, 120 Control unit, 121 Seizure file transmission / reception unit, 122 Seizure file registration unit, 123 Authentication unit, 124 Result transmission / reception unit, 125 Collection suspension processing unit, 130 Input / output unit, 140 Communication unit, 210 Network, 200 Administrative terminal, 300 Financial institution terminal

Claims

1. a seizure file receiving means for receiving a seizure file including one or more pieces of seizure data from an administrative agency terminal together with authentication information required to acquire the seizure file; an acquisition target receiving means for receiving target file information indicating the seized file to be acquired and the authentication information corresponding to the target file information from the financial institution terminal; an authentication means for authenticating the seized file received by the seized file receiving means based on the target file information and the authentication information received by the acquisition target receiving means; and a seizure file transmission means for transmitting the seizure file indicated by the target file information to the financial institution terminal if the authentication by the authentication means is successful, The seizure data includes the contents of a claim seizure notice, The authentication information corresponding to the target file information is input to the financial institution terminal when the administrative agency delivers the claim attachment notice together with the authentication information to the financial institution, and can be received from the financial institution terminal together with the target file information. A seizure assistance device characterized by:

2. and a receipt number generating means for generating a receipt number including at least a file reception date and time that specifies the date and time that the seized file and the authentication information were received, and source administrative agency information that specifies the source administrative agency, based on the receipt of the seized file and the authentication information by the seized file receiving means, The acquisition target receiving means further receives an acquisition target file reception date and time that specifies the date and time that the seized file to be acquired was received, and acquisition target file transmission source administrative agency information that specifies the administrative agency that transmitted the seized file to be acquired, The authentication means authenticates the seized file received by the seized file receiving means based on the target file information, the authentication information, the acquisition target file reception date and time, and the acquisition target file transmission source administrative agency information received by the acquisition target receiving means.

2. The seizure assistance device according to claim 1.

3. The authentication means authenticates the seized files by determining whether or not the file reception date and time and the sending administrative agency information specified by the reception number corresponding to the seized file match the acquisition target file reception date and time and the acquisition target file sending administrative agency information received by the acquisition target receiving means, among the seized files received by the seized file receiving means, for the seized files whose authentication information matches the authentication information received by the acquisition target receiving means. The seizure assistance device according to claim 2.

4. A seizure support method using a seizure support device, a seizure file receiving step of receiving a seizure file including one or more pieces of seizure data from an administrative agency terminal together with authentication information required to acquire the seizure file; an acquisition target receiving step of receiving target file information indicating the seized file to be acquired and the authentication information corresponding to the target file information from the financial institution terminal; an authentication step of authenticating the seized file received in the seized file receiving step based on the target file information and the authentication information received in the acquisition target receiving step; a seizure file transmission step of transmitting the seizure file indicated by the target file information to the financial institution terminal if the authentication by the authentication step is successful, The seizure data includes the contents of a claim seizure notice, The authentication information corresponding to the target file information is input to the financial institution terminal when the administrative agency delivers the claim attachment notice together with the authentication information to the financial institution, and can be received from the financial institution terminal together with the target file information. A method for assisting in foreclosure, characterized by:

5. Computer, a seizure file receiving means for receiving a seizure file including one or more pieces of seizure data from an administrative agency terminal together with authentication information required to acquire the seizure file; an acquisition target receiving means for receiving target file information indicating the seized file to be acquired and the authentication information corresponding to the target file information from the financial institution terminal; an authentication means for authenticating the seized file received by the seized file receiving means based on the target file information and the authentication information received by the acquisition target receiving means; If the authentication by the authentication means is successful, the seizure file transmission means functions as a seizure file transmission means for transmitting the seizure file indicated by the target file information to the financial institution terminal; The seizure data includes the contents of a claim seizure notice, The authentication information corresponding to the target file information is input to the financial institution terminal when the administrative agency delivers the claim attachment notice together with the authentication information to the financial institution, and can be received from the financial institution terminal together with the target file information. A program characterized by:

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