Retransfer information generating device, retransfer information generating method, and retransfer information generating program

Abstract

To provide a retransfer information generation device or the like capable of generating account transfer request information for retransfer in the case that account transfer of a contract cannot be performed.SOLUTION: In this embodiment, (1) a transfer result at a prescribed time point after a contracted day is acquired for each contract number, and also, the number of delay months at the prescribed time point after the contracted day is calculated and acquired for each contract number on the basis of the number of delay months in contract basic information, (2) a contract number satisfying conditions that the acquired transfer result is the same as an object transfer result in common parameter information and that the acquired number of delay months is equal to or less than the object number of delay months in the common parameter information is acquired as a contract to be a retransfer object, (3) a transfer day for retransfer and a transfer amount for retransfer are calculated for each acquired contract number, and (4) contract transfer request information for retransfer including the acquired contract number, the calculated transfer day for retransfer, and the calculated transfer amount for retransfer is generated.SELECTED DRAWING: Figure 6

Description

[Technical Field]

[0001] The present invention relates to a retransfer information generating device, a retransfer information generating method, and a retransfer information generating program. [Background technology]

[0002] Patent document 1 discloses a re-transfer system and re-transfer method that can reduce the burden on the person entrusting the account transfer by re-transferring the billing amount changed according to the re-transfer date when an account transfer is not possible due to insufficient balance or other reasons (see paragraph 0010 of Patent document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2014-106796 Summary of the Invention [Problem to be solved by the invention]

[0004] If the agreed account transfer cannot be made due to insufficient balance or the like, initial reminders are often made by individual phone calls and requests for payment via a separate channel.

[0005] However, there was a problem in that making individual phone calls and requesting payment through other channels was a heavy burden on both the customer and the collection company.

[0006] The present invention has been made in consideration of the above-mentioned problems, and aims to provide a retransfer information generation device, a retransfer information generation method, and a retransfer information generation program that can generate account transfer request information for retransfer when the agreed account transfer cannot be made. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems and achieve the object, the retransfer information generation device of the present invention is a retransfer information generation device comprising a control unit and a storage unit, which generates account transfer request information for retransfer when an agreed account transfer cannot be made, wherein the storage unit stores common parameter information including a target transfer result, which is a transfer result that is the transfer result that is the target of retransfer among the transfer results on the account transfer agreement date, and a target overdue period, which is the overdue period that is the target of retransfer, contract identification information for identifying a contract with a customer, and contract basic information including a record having a period of overdue at a predetermined time point after the agreement date, and the control unit obtains the transfer result at a predetermined time point after the agreement date for each of the contract identification information, and calculates the period of overdue at a predetermined time point after the agreement date for each of the contract identification information based on the period of overdue in the contract basic information. and (ii) the overdue period acquired by the transfer result acquisition means is equal to or less than the target overdue period in the common parameter information; re-transfer target acquisition means for acquiring, as a contract to be subject to re-transfer, contract identification information that satisfies the conditions that (i) the transfer result acquired by the transfer result acquisition means is the same as the target transfer result in the common parameter information, and (ii) the overdue period acquired by the transfer result acquisition means is equal to or less than the target overdue period in the common parameter information; re-transfer calculation means for calculating the transfer date and transfer amount for re-transfer for each contract identification information acquired by the re-transfer target acquisition means; and re-transfer information generation means for generating account transfer request information for re-transfer that includes a record having the contract identification information acquired by the re-transfer target acquisition means, the transfer date for re-transfer calculated by the re-transfer calculation means, and the transfer amount for re-transfer calculated by the re-transfer calculation means.

[0008] In addition, in the retransfer information generation device of the present invention, the record in the contract basic information further has a retransfer target category, which is a category for setting whether or not to make it the subject of retransfer for each contract identification information, and the retransfer target acquisition means is characterized in that it acquires contract identification information that further satisfies the condition (iii) in addition to the conditions (i) and (ii), that the retransfer target category held by the record in the contract basic information is a category indicating that it is the subject of retransfer.

[0009] In addition, in the retransfer information generation device of the present invention, the common parameter information further includes a retransfer number of days, which is the number of days for calculating the transfer date for the retransfer, and the retransfer calculation means calculates the transfer date for the retransfer based on the retransfer number of days in the common parameter information.

[0010] In addition, in the retransfer information generation device of the present invention, the common parameter information further includes a flat-rate classification for whether or not to add late fees, which is a classification for uniformly setting whether or not to add late fees, and the retransfer calculation means is characterized in that, if the flat-rate classification for whether or not to add late fees in the common parameter information is a classification indicating that late fees will be added, it calculates the transfer amount for the retransfer with the late fees added on.

[0011] In addition, in the retransfer information generation device of the present invention, the common parameter information further includes a flat classification for whether or not a retransfer fee will be added, which is a classification for uniformly setting whether or not a retransfer fee will be added, and a retransfer fee if the classification indicates that a retransfer fee will be added, and the retransfer calculation means is characterized in that, if the flat classification for whether or not a retransfer fee will be added in the common parameter information is a classification indicating that a retransfer fee will be added, it calculates the transfer amount for the retransfer with the retransfer fee in the common parameter information added on.

[0012] In addition, in the retransfer information generation device of the present invention, the record in the basic contract information further has an individual category for whether or not to add late fees, which is a category for individually setting whether or not to add late fees for each of the contract identification information, and an individual category for whether or not to add retransfer fees, which is a category for individually setting whether or not to add retransfer fees for each of the contract identification information, and the retransfer calculation means calculates the transfer amount for the retransfer by giving priority to the individual category for whether or not to add late fees and the individual category for whether or not to add retransfer fees that the record in the basic contract information has, rather than the flat category for whether or not to add late fees and the flat category for whether or not to add retransfer fees in the common parameter information.

[0013] Furthermore, in a retransfer information generation method according to the present invention, when an agreed account transfer cannot be performed, the retransfer information generation method is executed by an information processing device having a control unit and a storage unit, and generates account transfer request information for retransfer when the agreed account transfer cannot be performed. The storage unit stores common parameter information including a target transfer result, which is a transfer result that is the transfer result that is the target of retransfer among the transfer results on the account transfer agreement date, and a target overdue period, which is the overdue period that is the target of retransfer, contract basic information including a record having contract identification information for identifying a contract with a customer, and an overdue period at a predetermined time point before the agreement date. The retransfer information generation method executed by the control unit obtains the transfer result at a predetermined time point after the agreement date for each of the contract identification information, and calculates and obtains the overdue period at a predetermined time point after the agreement date for each of the contract identification information based on the overdue period in the contract basic information. The method is characterized by including: a transfer result acquisition step, etc.; a re-transfer target acquisition step for acquiring, as a contract to be subject to re-transfer, contract identification information that satisfies the conditions that (i) the transfer result acquired in the transfer result acquisition step, etc. is the same as the target transfer result in the common parameter information, and (ii) the overdue period acquired in the transfer result acquisition step, etc. is less than or equal to the target overdue period in the common parameter information; a re-transfer calculation step for calculating the transfer date for re-transfer and the transfer amount for re-transfer for each contract identification information acquired in the re-transfer target acquisition step; and a re-transfer information generation step for generating account transfer request information for re-transfer that includes a record having the contract identification information acquired in the re-transfer target acquisition step, the transfer date for re-transfer calculated in the re-transfer calculation step, and the transfer amount for re-transfer calculated in the re-transfer calculation step.

[0014] Furthermore, in the retransfer information generation program according to the present invention, the program generates account transfer request information for retransfer when an agreed account transfer cannot be performed, and is to be executed by an information processing device having a control unit and a storage unit, wherein the storage unit stores common parameter information including a target transfer result, which is the transfer result that is the target of retransfer among the transfer results on the account transfer agreement date, and a target overdue period, which is the overdue period that is the target of retransfer, contract identification information for identifying a contract with a customer, and contract basic information including a record having the overdue period at a predetermined time point before the agreement date, and the program obtains the transfer result at a predetermined time point after the agreement date for each of the contract identification information, and calculates the overdue period at a predetermined time point after the agreement date for each of the contract identification information, based on the overdue period in the contract basic information, to be executed by the control unit. a re-transfer target acquisition step of acquiring, as a contract to be subject to re-transfer, contract identification information that satisfies the conditions that (i) the transfer result acquired in the transfer result acquisition step is the same as the target transfer result in the common parameter information, and (ii) the overdue period acquired in the transfer result acquisition step is equal to or less than the target overdue period in the common parameter information; a re-transfer calculation step of calculating a transfer date for re-transfer and a transfer amount for re-transfer for each contract identification information acquired in the re-transfer target acquisition step; and a re-transfer information generation step of generating account transfer request information for re-transfer that includes a record having the contract identification information acquired in the re-transfer target acquisition step, the transfer date for re-transfer calculated in the re-transfer calculation step, and the transfer amount for re-transfer calculated in the re-transfer calculation step. [Effects of the Invention]

[0015] According to the present invention, it is possible to generate account transfer request information for retransfer when an agreed account transfer cannot be performed. [Brief explanation of the drawings]

[0016] [Figure 1]FIG. 1 is a block diagram showing an example of the configuration of a retransfer information generating device. [Figure 2] FIG. 2 is a diagram illustrating an example of common parameter information. [Figure 3] FIG. 3 is a diagram illustrating an example of basic contract information. [Figure 4] FIG. 4 is a diagram showing an example of account transfer request information for the first account transfer. [Figure 5] FIG. 5 is a diagram for explaining a specific example of determining whether a transaction is eligible for retransfer. [Figure 6] FIG. 6 is a diagram for explaining a specific example of determining whether a transaction is eligible for retransfer. [Figure 7] FIG. 7 is a diagram for explaining a specific example of determining whether a transaction is eligible for retransfer. [Figure 8] FIG. 8 is a diagram for explaining a specific example of calculation of the transfer date and transfer amount for retransfer. [Figure 9] FIG. 9 is a diagram for explaining a specific example of generating account transfer request information for retransfer. DETAILED DESCRIPTION OF THE INVENTION

[0017] Hereinafter, embodiments of a retransfer information generating device, a retransfer information generating method, and a retransfer information generating program according to the present invention will be described in detail with reference to the accompanying drawings. Note that the present invention is not limited to these embodiments.

[0018] [1. Overview] B2C financial receivables are generally collected by direct debit. However, when the agreed-upon direct debit cannot be made due to insufficient balances, the initial collection process often involves individual phone calls and the issuance of a collection letter requesting payment via another channel (bank transfer, convenience store payment, etc.).

[0019] However, there was a problem that individual reminders placed a heavy administrative burden on the company, and there was also a problem that collection costs were high when requesting payment via a separate channel.

[0020] In some cases, even at the initial collection stage, direct debit collection offers the lowest burden and lowest cost in terms of the effort required for the customer to make the deposit and the workload and costs for the collection company. For example, this may be the case when direct debit fees are low due to economies of scale for companies belonging to large corporate groups. In such cases, it is preferable to utilize the existing system for generating direct debit request data and build a system for re-direct debit.

[0021] However, because the timing, target, and amount of retransfers differ from company to company, it was difficult to establish uniform rules and generate data for retransfers.

[0022] Therefore, in this embodiment, for example, it is possible to perform an initial reminder by re-transferring the account in accordance with the rules of each company. More specifically, when a transfer is rejected, it is possible to automatically generate a re-transfer request information. In addition, the timing, target, and amount of the re-transfer can be flexibly controlled by parameter settings.

[0023] The definition of "initial reminder" in this embodiment is as follows: Installment payments for financial receivables are due monthly, but those that have not received payment for one to two months are called early delinquent receivables, and making a reminder for payment of such early delinquent receivables is called early reminder. The specific configuration and operation will be explained below.

[0024] [2. Configuration] An example of the configuration of the retransfer information generation device 100 according to this embodiment will be described with reference to Fig. 1. Fig. 1 is a block diagram showing an example of the configuration of the retransfer information generation device 100.

[0025] The retransfer information generation device 100 is a commercially available desktop personal computer. Note that the retransfer information generation device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may also be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

[0026] The retransfer information generating device 100 comprises a control unit 102, a communication interface unit 104, a memory unit 106, and an input / output interface unit 108. Each unit of the retransfer information generating device 100 is connected to each other so that they can communicate with each other via any communication path.

[0027] The communication interface unit 104 communicably connects the retransfer information generation device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of connecting the retransfer information generation device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). Note that data such as various masters described below may be stored in the server 200, for example.

[0028] An input device 112 and an output device 114 are connected to the input / output interface unit 108. The output device 114 may be a monitor (including a home television), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that cooperates with a mouse to achieve a pointing device function. In the following, the output device 114 may be referred to as the monitor 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0029] Various databases, tables, files, etc. are stored in the storage unit 106. Computer programs that work in conjunction with the OS (Operating System) to issue commands to the CPU (Central Processing Unit) to perform various processes are recorded in the storage unit 106. The storage unit 106 can be, for example, a memory device such as RAM (Random Access Memory) or ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc.

[0030] The storage unit 106 includes, for example, common parameter information 106a, basic contract information 106b, and account transfer request information 106c.

[0031] The common parameter information 106a is information for setting common parameters to be applied to each contract. As shown in Fig. 2, the common parameter information 106a includes, for example, a target transfer result, which is a transfer result that is subject to re-transfer among the transfer results on the account transfer agreement date, a target delinquency period (target delinquency months), which is a delinquency period that is subject to re-transfer, a re-transfer number of days, which is the number of days for calculating the transfer date for re-transfer, a flat-rate category for whether or not to add a late penalty, a flat-rate category for whether or not to add a re-transfer fee (flat-rate category for whether or not to add a re-transfer fee), and a re-transfer fee (re-transfer fee) if the category indicates that a re-transfer fee will be added.

[0032] The target transfer result is, in other words, the result of the previous contracted account transfer to be retransferred. The types of the target transfer result include "1: Insufficient balance," "2: No transaction," and "4: No request." Multiple types of the target transfer result may be specified.

[0033] The target overdue period (target number of months overdue) is, in other words, the number of months overdue that are eligible for re-transfer. For example, if the target number of months overdue is set to "2," contracts that are two months or less overdue will be eligible for re-transfer.

[0034] The number of days for retransfer is, in other words, the number of days that determines how many days after the initial account transfer date the retransfer date will be.

[0035] The uniform classification of whether or not late payment penalties will be added includes "1: No," which indicates that late payment penalties will not be added, and "2: Yes," which indicates that late payment penalties will be added.

[0036] The flat-rate classification for whether or not a retransfer fee is added (flat-rate classification for whether or not a retransfer fee is added) includes "1: No," which indicates that no retransfer fee is added, and "2: Yes," which indicates that a retransfer fee is added.

[0037] As shown in FIG. 3, basic contract information 106b is roughly divided into contract information, account transfer information, and individual parameter information, which is information for setting individual parameters to be applied to each contract. More specifically, as shown in FIG. 3, basic contract information 106b includes records having, for example, customer identification information (customer number), contract identification information (contract number) for identifying the contract with the customer, contractor identification information (contractor name), the agreement date, the delinquency period (number of months delinquent) at a specified point before the agreement date, financial institution identification information (financial institution code and financial institution name), branch identification information (branch code and branch name), account identification information (account number), depositor identification information (depositor name), a re-transfer target category (re-transfer target) which is a category for setting whether or not to make the contract subject to re-transfer for each of the contract identification information, an individual category for whether or not to add late fees which is a category for individually setting whether or not to add late fees for each of the contract identification information, and an individual category for whether or not to add re-transfer fees (individual category for whether or not to add re-transfer fees) which is a category for individually setting whether or not to add re-transfer fees for each of the contract identification information.

[0038] The re-transfer target category (re-transfer target) is, in other words, a category that can be set so that a specific contract is not subject to re-transfer even if it meets the conditions in the common parameter information 106a. The re-transfer target category (re-transfer target) includes a category "0: target" that indicates that the contract is subject to re-transfer, and a category "1: not target" that indicates that the contract is not subject to re-transfer.

[0039] The individual classification of whether or not to add late charges includes "0: apply common," which indicates that the classification of whether or not to add late charges is to be followed in the common parameter information 106a, "1: no," which indicates that no late charges will be added, and "2: yes," which indicates that late charges will be added. The retransfer calculation unit 102c, which will be described later, prioritizes the individual classification of whether or not to add late charges in the basic contract information 106b over the uniform classification of whether or not to add late charges in the common parameter information 106a.

[0040] The individual classification of whether or not a retransfer fee is added (individual classification of whether or not a retransfer fee is added) includes "0: apply common," which indicates that the classification follows the flat classification of whether or not a retransfer fee is added (flat classification of whether or not a retransfer fee is added) in the common parameter information 106a, "1: none," which indicates that no retransfer fee is added, and "2: yes," which indicates that a retransfer fee is added. The retransfer calculation unit 102c, which will be described later, preferentially follows the individual classification of whether or not a retransfer fee is added (individual classification of whether or not a retransfer fee is added) in the basic contract information 106b over the flat classification of whether or not a retransfer fee is added (flat classification of whether or not a retransfer fee is added) in the common parameter information 106a.

[0041] As shown in Figures 4 and 9, the account transfer request information 106c includes, for example, the transfer date, the contract identification information (contract number), the transfer amount, and the transfer result. Figure 4 shows account transfer request information 106c for the first account transfer (i.e., the account transfer on the contract date). Figure 9 shows account transfer request information 106c for a re-transfer.

[0042] The control unit 102 is a CPU or the like that comprehensively controls the retransfer information generation device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs.

[0043] The control unit 102 functionally comprises, for example, (1) a transfer result etc. acquisition unit 102a as a transfer result etc. acquisition means for acquiring a transfer result at a predetermined time point after the contract date for each of the contract identification information, and calculating and acquiring the overdue period at a predetermined time point after the contract date for each of the contract identification information based on the overdue period in the contract basic information; and (2) a contract identification unit 102b as a transfer result etc. acquisition means for acquiring a transfer result at a predetermined time point after the contract date for each of the contract identification information, which satisfies the following conditions: (i) the transfer result acquired by the transfer result etc. acquisition means is the same as the target transfer result in the common parameter information, and (ii) the overdue period acquired by the transfer result etc. acquisition means is equal to or shorter than the target overdue period in the common parameter information. (3) a retransfer calculation unit 102c as retransfer calculation means for calculating the retransfer transfer date and retransfer transfer amount for each contract identification information acquired by the retransfer object acquisition means, and (4) a retransfer information generation unit 102d as retransfer information generation means for generating account transfer request information for retransfer including a record having the contract identification information acquired by the retransfer object acquisition means, the retransfer transfer date calculated by the retransfer calculation means, and the retransfer transfer amount calculated by the retransfer calculation means. Details of the processing performed by each unit will be explained in [4. Specific example of processing] below.

[0044] The transfer result acquisition unit 102a acquires the transfer result at a predetermined time point after the account transfer agreement date for each contract number. In addition, the transfer result acquisition unit 102a calculates and acquires the overdue period at a predetermined time point after the agreement date for each contract number based on the overdue period in the contract basic information 106b.

[0045] The re-transfer target acquisition unit 102b acquires, as the contract to be re-transferred, a contract number that satisfies the following conditions: (i) the transfer result acquired by the transfer result etc. acquisition unit 102a is the same as the target transfer result in the common parameter information 106a, and (ii) the overdue period acquired by the transfer result etc. acquisition unit 102a is less than the target overdue period in the common parameter information 106a.

[0046] In addition to the conditions (i) and (ii), the re-transfer target acquisition unit 102b may acquire a contract number that further satisfies the condition (iii) that the re-transfer target category (re-transfer target) of the record in the contract basic information 106b is "0: Target."

[0047] The retransfer calculation unit 102c calculates the retransfer date and the retransfer amount for each contract number acquired by the retransfer target acquisition unit 102b.

[0048] The retransfer calculation unit 102c may calculate the retransfer date for retransfer based on the number of retransfer days in the common parameter information 106a.

[0049] The retransfer calculation unit 102c may calculate the retransfer amount with the late charge added if the uniform classification for whether or not the late charge is added in the common parameter information 106a is "2: Yes."

[0050] The retransfer calculation unit 102c may calculate the transfer amount for the retransfer by adding the retransfer fee (retransfer fee) in the common parameter information 106a if the flat classification for whether or not a retransfer fee is added (flat classification for whether or not a retransfer fee is added) in the common parameter information 106a is "2: Yes."

[0051] The retransfer calculation unit 102c may calculate the transfer amount for retransfer by giving priority to the individual classification of whether or not a late fee will be added and the individual classification of whether or not a retransfer fee will be added (individual classification of whether or not a retransfer fee will be added) held by the record in the basic contract information 106b, rather than the flat classification of whether or not a late fee will be added and the flat classification of whether or not a retransfer fee will be added (flat classification of whether or not a retransfer fee will be added) in the common parameter information 106a.

[0052] The calculation of the late payment charge by referring to the individual classification of whether or not the late payment charge is to be added in the basic contract information 106b will be specifically described. If the individual classification of whether or not to add late charges in the basic contract information 106b is "0: Apply common," calculate and acquire late charges according to the uniform classification of whether or not to add late charges in the common parameter information 106a, If the individual classification of whether or not to add late charges in the basic contract information 106b is "1: No," even if the uniform classification of whether or not to add late charges in the common parameter information 106a is "2: Yes," 0 yen will be acquired as late charges. If the individual classification of whether or not to add late charges in the basic contract information 106b is "2: Yes", even if the uniform classification of whether or not to add late charges in the common parameter information 106a is "1: No", the late charges are calculated and acquired. The transfer amount for re-transfer may be calculated by adding the acquired late payment penalty.

[0053] The calculation of the retransfer fee (redirect transfer fee) by referring to the individual classification of whether or not a retransfer fee is added (individual classification of whether or not a retransfer fee is added) in the basic contract information 106b will be specifically described. If the individual classification of whether or not a retransfer fee is added (individual classification of whether or not a retransfer fee is added) in the basic contract information 106b is "0: Apply common," calculate and acquire the retransfer fee (retransfer fee) according to the uniform classification of whether or not a retransfer fee is added (uniform classification of whether or not a retransfer fee is added) in the common parameter information 106a, If the individual classification of whether or not a retransfer fee is added (individual classification of whether or not a retransfer fee is added) in the basic contract information 106b is "1: No", even if the flat classification of whether or not a retransfer fee is added (flat classification of whether or not a retransfer fee is added) in the common parameter information 106a is "2: Yes", 0 yen is acquired as the retransfer fee (retransfer fee), If the individual classification of whether or not a retransfer fee is added (individual classification of whether or not a retransfer fee is added) in the basic contract information 106b is "2: Yes", even if the flat classification of whether or not a retransfer fee is added (flat classification of whether or not a retransfer fee is added) in the common parameter information 106a is "1: No", the retransfer fee (retransfer fee) is calculated and acquired, The transfer amount for re-transfer may be calculated by adding the acquired re-transfer fee (re-account transfer fee).

[0054] The retransfer information generation unit 102d generates account transfer request information 106c for retransfer, which includes a record having the contract number acquired by the retransfer target acquisition unit 102b, the transfer date for retransfer calculated by the retransfer calculation unit 102c, and the transfer amount for retransfer calculated by the retransfer calculation unit 102c.

[0055] [3. Specific examples of processing] In this section, a specific example of the processing according to this embodiment will be explained. Specifically, it will be explained how the account transfer request information 106c for re-transfer is generated in response to the account transfer result on the settlement date (10 / 27). Below, [3-1] explains the determination of the re-transfer target, [3-2] explains the calculation of the transfer date and transfer amount for re-transfer, and [3-3] explains the generation of the account transfer request information for re-transfer.

[0056] In this section [3. Specific example of processing], it is assumed that the common parameter information 106a has the content shown in Figure 2, the contract basic information 106b has the content shown in Figure 3, and the account transfer request information 106c for transfer on the contract date has the content shown in Figure 4.

[0057] [3-1. Determining the retransfer target] (1) Creating a work table The transfer result etc. acquiring unit 102a acquires the transfer result for each contract as shown in FIG. 5 when the account transfer result for the contract date (10 / 27) becomes known (10 / 30).

[0058] Furthermore, after the settlement date (10 / 27), the transfer result etc. acquisition unit 102a adds (counts up) 1 to the number of overdue months in the contract basic information 106b in Fig. 3. As a result, when the account transfer result on the settlement date (10 / 27) is determined (10 / 30), the transfer result etc. acquisition unit 102a acquires the number of overdue months for each contract, as shown in Fig. 5.

[0059] In this way, the transfer result etc. acquisition unit 102a generates the work table shown in Figure 5, which contains the transfer result and the number of months in arrears for each contract as of a predetermined time point (10 / 30) after the contract date (10 / 27). This work table is used to determine the re-transfer targets, as explained in (2) below.

[0060] (2) Determining the re-transfer target Referring to the common parameter information 106a shown again in Figure 6, the target transfer result is "1: Insufficient balance" and the target number of months in arrears is "2." In this case, the re-transfer target acquisition unit 102b acquires, from the work table generated in (1) and shown again in Figure 6, contracts for which the transfer result is "1: Insufficient balance" and the number of months in arrears is "2" or less. That is, as shown in the work table in Figure 6, three contracts with contract numbers 101, 102, and 103 are acquired.

[0061] Referring to the basic contract information 106b shown again in Figure 6 as an excerpt, the contracts whose re-transfer target category is "0: Target" are contracts other than 101. In this case, the re-transfer target acquisition unit 102b acquires contracts 102 and 103 from the three acquired contracts as contracts whose re-transfer target category is "0: Target".

[0062] In this way, the re-transfer target acquisition unit 102b acquires two contracts, 102 and 103, as shown in Figure 7, as contracts (=contracts that are subject to re-transfer) that meet the conditions for all three items: transfer result, number of months in arrears, and re-transfer target category.

[0063] [3-2. Calculation of transfer date and transfer amount for retransfer] Next, the retransfer calculation unit 102c calculates the retransfer date and transfer amount for the two contracts 102 and 103 acquired in [3-1] as follows.

[0064] (1) Regarding Contract 102 This section explains how to calculate the transfer date and transfer amount for re-transfer of contract 102.

[0065] The calculation of the re-transfer date for contract 102 will be explained. Referring again to the common parameter information 106a shown in Figure 8, the number of re-transfer days is "6 days." In this case, the re-transfer calculation unit 102c calculates the re-transfer date for contract 102 as 11 / 2 by adding 6 days, which is the number of re-transfer days, to the most recent transfer date, 10 / 27.

[0066] The calculation of the retransfer amount for contract 102 will be described below. Referring to basic contract information 106b, an excerpt of which is shown again in Figure 8, the individual category for whether or not a late charge will be added and the individual category for whether or not a retransfer fee will be added for contract 102 are both "0: common applies." In this case, the retransfer calculation unit 102c calculates the late charge and retransfer fee for contract 102 in accordance with the flat category for whether or not a late charge will be added and the flat category for whether or not a retransfer fee will be added in the common parameter information 106a.

[0067] Referring again to the common parameter information 106a shown in FIG. 8, the uniform classification for whether or not to add late fees is "1: None," so the late fees for the contract 102 will be no addition (0 yen).

[0068] On the other hand, referring to the common parameter information 106a shown again in Figure 8, the uniform classification for whether or not a re-transfer fee is added is "2: Yes," and the re-transfer fee is "110 yen," so the re-transfer fee for contract 102 is 110 yen.

[0069] From the above, the retransfer calculation unit 102c calculates the retransfer amount for contract 102 as the latest transfer amount of 30,000 yen + late payment penalty of 0 yen + retransfer fee of 110 yen = 30,110 yen.

[0070] (2) Regarding the 103 contract We will explain how to calculate the transfer date and transfer amount for the re-transfer of contract 103, but since the transfer date for the re-transfer of contract 103 is calculated in the same way as in (1) and is 11 / 2, we will omit the explanation.

[0071] The calculation of the retransfer amount for contract 103 will be described below. Referring to the basic contract information 106b, a partial excerpt of which is shown again in Figure 8, for contract 103, the individual classification for whether or not a late charge will be added is "2: Yes," and the individual classification for whether or not a retransfer fee will be added is "1: No." Referring to the common parameter information 106a, also shown in Figure 8, the flat classification for whether or not a late charge will be added is "1: No," and the flat classification for whether or not a retransfer fee will be added is "2: Yes." In this way, if the individual classification for whether or not a late charge will be added and the individual classification for whether or not a retransfer fee will be added in the basic contract information 106b and the flat classification for whether or not a late charge will be added and the flat classification for whether or not a retransfer fee will be added in the common parameter information 106a have opposite meanings, the retransfer calculation unit 102c will calculate the retransfer amount by giving priority to the classification in the basic contract information 106b.

[0072] As described in the previous paragraph, the individual classification of whether or not a late payment penalty will be added for contract 103 is "2: Yes." In this case, the retransfer calculation unit 102c calculates the late payment penalty for contract 103 according to the general logic for calculating late payment penalty as follows: late payment penalty 40,000 yen × late payment penalty interest rate 14.6% × number of days of late payment 6 days / 36,500 (rounded down) = 96 yen.

[0073] As stated in the previous paragraph, the individual classification for whether or not there will be a re-transfer fee surcharge for Contract 103 is "1: None," so there will be no surcharge on the re-transfer fee for Contract 103 (0 yen).

[0074] From the above, the retransfer calculation unit 102c calculates the retransfer amount for contract 103 as the latest transfer amount of 40,000 yen + late payment penalty of 96 yen + retransfer fee of 0 yen = 40,096 yen.

[0075] Then, the retransfer calculation unit 102c generates a work table 2 shown in Figure 9, which for contract 102 includes the retransfer transfer date of 11 / 2 and the retransfer transfer amount of 30,110 yen calculated in (1), and for contract 103 includes the retransfer transfer date of 11 / 2 and the retransfer transfer amount of 40,096 yen calculated in (2).

[0076] [3-3. Creating account transfer request information for retransfer] Finally, the retransfer information generating unit 102d generates the account transfer request information 106c for retransfer shown in FIG.

[0077] [4. Summary of this embodiment] As explained above, the retransfer information generating device 100 according to this embodiment can generate retransfer request information when the agreed-upon account transfer cannot be made. This can reduce the burden on both the customer and the collection company during the initial reminder period, for example.

[0078] [5. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of SDGs Goals 8 and 9.

[0079] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0080] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0081] 6. Other Embodiments The present invention may be implemented in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0082] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using known methods.

[0083] Furthermore, the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed as desired unless otherwise specified.

[0084] Furthermore, with regard to the retransfer information generation device 100, the components shown in the figure are functional concepts, and do not necessarily have to be physically configured as shown in the figure.

[0085] For example, all or any part of the processing functions of the retransfer information generation device 100, particularly the processing functions performed by the control unit, may be implemented by a CPU and a program interpreted and executed by the CPU, or may be implemented as hardware using wired logic. The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the retransfer information generation device 100 as needed. That is, a computer program is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive) for working with the OS to issue instructions to the CPU and perform various processes. This computer program is executed by being loaded into RAM and works with the CPU to form the control unit.

[0086] In addition, this computer program may be stored in an application program server connected to the retransfer information generation device 100 via any network, and it is also possible to download all or part of it as needed.

[0087] Furthermore, the program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium or configured as a program product. Here, the term "recording medium" includes any "portable physical medium" such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) disc.

[0088] Furthermore, a "program" is a data processing method written in any language or description method, regardless of the format, such as source code or binary code. Note that a "program" is not necessarily limited to a single structure, but also includes a structure that is distributed as multiple modules or libraries, or a structure that achieves its function by cooperating with a separate program, such as an OS. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, can use well-known configurations and procedures.

[0089] The various databases stored in the memory unit are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and providing websites.

[0090] The retransfer information generating device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The retransfer information generating device 100 may also be realized by installing software (including programs or data) that causes the device to perform the processing described in this embodiment.

[0091] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be configured by functionally or physically distributing and integrating them in any unit depending on various additions or functional loads. In other words, the above-described embodiments can be implemented in any combination, or embodiments can be implemented selectively. [Industrial Applicability]

[0092] The present invention is useful, for example, in any industry or business type where customer remuneration is billed by direct debit. [Explanation of symbols]

[0093] 100 Retransfer information generation device 102 Control section 102a Transfer result acquisition section 102b Retransfer target acquisition section 102c Retransfer Calculation Section 102d Retransfer information generation unit 104 Communication interface unit 106 Storage section 106a Common parameter information 106b Basic contract information 106c Direct debit request information 108 Input / Output Interface Section 112 Input Device 114 Output Device 200 servers 300 Network

Claims

1. A retransfer information generating device that generates retransfer request information when an agreed-upon account transfer cannot be performed, the device comprising a control unit and a storage unit, The storage unit includes: Common parameter information including a target transfer result, which is a transfer result that is subject to retransfer among the transfer results on the account transfer agreement date, and a target overdue period, which is a period of overdue that is subject to retransfer; basic contract information including a record having contract identification information for identifying a contract with a customer and a delinquency period at a predetermined point in time before the contract date; is stored, The control unit a transfer result obtaining means for obtaining a transfer result at a predetermined time point after the contract date for each of the contract identification information, and calculating and obtaining a delinquency period at a predetermined time point after the contract date for each of the contract identification information based on the delinquency period in the basic contract information; (i) the transfer result acquired by the transfer result acquisition means is the same as the target transfer result in the common parameter information, and (ii) the overdue period acquired by the transfer result acquisition means is equal to or less than the target overdue period in the common parameter information, as a contract to be subject to re-transfer; and a retransfer calculation means for calculating a retransfer date and a retransfer amount for each contract identification information acquired by the retransfer target acquisition means; a retransfer information generation means for generating account transfer request information for the retransfer, which includes a record having the contract identification information acquired by the retransfer target acquisition means, the transfer date for the retransfer calculated by the retransfer calculation means, and the transfer amount for the retransfer calculated by the retransfer calculation means; To have A retransfer information generating device characterized by the above.

2. The record in the basic contract information further has a retransfer target classification, which is a classification for setting whether or not to subject the record to retransfer for each contract identification information, The re-transfer target acquisition means acquires contract identification information that further satisfies the condition that, in addition to the conditions (i) and (ii), the re-transfer target category held by the record in the contract basic information is a category indicating that the record is subject to re-transfer; The retransfer information generating device according to claim 1,

3. The common parameter information further includes a retransfer number of days, which is the number of days for calculating the retransfer date for the retransfer, the retransfer calculation means calculates a transfer date for the retransfer based on the number of retransfer days in the common parameter information; The retransfer information generating device according to claim 1,

4. The common parameter information further includes a uniform classification for whether or not to add a late payment charge, which is a classification for uniformly setting whether or not to add a late payment charge, the re-transfer calculation means calculates the re-transfer amount to which the late charge is added when the uniform classification of whether or not the late charge is added in the common parameter information is a classification indicating that the late charge is added; 4. The retransfer information generating device according to claim 1, wherein:

5. The common parameter information further includes a retransfer fee surcharge or non-surcharge uniform category, which is a category for uniformly setting whether or not a retransfer fee will be surcharged, and a retransfer fee if the category indicates that a retransfer fee will be surcharged; the retransfer calculation means calculates the transfer amount for the retransfer to which the retransfer fee in the common parameter information has been added when the uniform classification of whether or not a retransfer fee is added in the common parameter information is a classification indicating that a retransfer fee is added; 5. The retransfer information generating device according to claim 4,

6. The record in the basic contract information further includes an individual category for whether or not to add a late charge, which is a category for individually setting whether or not to add a late charge for each of the contract identification information, and an individual category for whether or not to add a retransfer fee, which is a category for individually setting whether or not to add a retransfer fee for each of the contract identification information, the retransfer calculation means calculates the transfer amount for the retransfer in accordance with the individual classification of whether or not a late charge will be added and the individual classification of whether or not a retransfer fee will be added, which the record has in the basic contract information, rather than the uniform classification of whether or not a late charge will be added and the uniform classification of whether or not a retransfer fee will be added, which the common parameter information has; The retransfer information generating device according to claim 5,

7. A re-transfer information generation method executed by an information processing device having a control unit and a storage unit, which generates account transfer request information for re-transfer when an agreed account transfer cannot be performed, The storage unit includes: Common parameter information including a target transfer result, which is a transfer result that is subject to retransfer among the transfer results on the account transfer agreement date, and a target overdue period, which is a period of overdue that is subject to retransfer; basic contract information including a record having contract identification information for identifying a contract with a customer and a delinquency period at a predetermined point in time before the contract date; is stored, Executed by the control unit, a transfer result acquisition step for acquiring a transfer result at a predetermined time point after the contract date for each of the contract identification information, and calculating and acquiring a delinquency period at a predetermined time point after the contract date for each of the contract identification information based on the delinquency period in the basic contract information; (i) a re-transfer target acquisition step for acquiring, as a contract to be re-transferred, contract identification information that satisfies the following conditions: (i) the transfer result acquired in the transfer result acquisition step is the same as the target transfer result in the common parameter information; and (ii) the overdue period acquired in the transfer result acquisition step is equal to or shorter than the target overdue period in the common parameter information. a re-transfer calculation step of calculating a re-transfer date and a re-transfer amount for each contract identification information acquired in the re-transfer target acquisition step; a re-transfer information generation step for generating account transfer request information for the re-transfer including a record having the contract identification information acquired in the re-transfer object acquisition step, the transfer date for the re-transfer calculated in the re-transfer calculation step, and the transfer amount for the re-transfer calculated in the re-transfer calculation step; containing, A method for generating retransfer information, characterized by the above.

8. A re-transfer information generation program for generating re-transfer request information for a contracted account transfer when the contracted account transfer cannot be performed, to be executed by an information processing device having a control unit and a storage unit, The storage unit includes: Common parameter information including a target transfer result, which is a transfer result that is subject to retransfer among the transfer results on the account transfer agreement date, and a target overdue period, which is a period of overdue that is subject to retransfer; basic contract information including a record having contract identification information for identifying a contract with a customer and a delinquency period at a predetermined point in time before the contract date; is stored, To cause the control unit to execute a transfer result acquisition step for acquiring a transfer result at a predetermined time point after the contract date for each of the contract identification information, and calculating and acquiring a delinquency period at a predetermined time point after the contract date for each of the contract identification information based on the delinquency period in the basic contract information; (i) a re-transfer target acquisition step for acquiring, as a contract to be re-transferred, contract identification information that satisfies the following conditions: (i) the transfer result acquired in the transfer result acquisition step is the same as the target transfer result in the common parameter information; and (ii) the overdue period acquired in the transfer result acquisition step is equal to or shorter than the target overdue period in the common parameter information. a re-transfer calculation step of calculating a re-transfer date and a re-transfer amount for each contract identification information acquired in the re-transfer target acquisition step; a re-transfer information generation step for generating account transfer request information for the re-transfer including a record having the contract identification information acquired in the re-transfer object acquisition step, the transfer date for the re-transfer calculated in the re-transfer calculation step, and the transfer amount for the re-transfer calculated in the re-transfer calculation step; containing, A retransfer information generation program characterized by the above.

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