JP2002150198A - Proxy collecting system for credit and proxy collecting method therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a proxy collecting system for credit and a proxy collecting method therefore capable of improving the collection rate of bills, and causing no loss even in transactions of a small lot commodities. SOLUTION: Thie proxy collecting method for credit and the system therefore include a step for accepting an offer of registering a member and a selling company, a step of investigating credit of a user 1 and an enterprise for receiving resistration, a step for registering the member 71 or the selling company 3 according to a credit result 15, a step for deciding a payment limit amount according to an evaluation point, a step for accepting a request for recovering the price from the selling company 3, a step for judging whether or not this credit transaction is effective, and a step for a proxy collection dealer 7 to collect bills from the member 71.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and a method of collecting and selling a product or the like from a customer member who has sold a product or the like by a sales company.

[0002]

2. Description of the Related Art Conventionally, when a sales company sells a product or service to a customer, a customer who has determined that the product or service is credible due to long-term transactions or the like receives the price of the product or the like after a certain period of time, not immediately. In some cases, a payment collection method called “credit sale” is applied. Here, when the sales company cannot collect the money from the customer, the amount of money becomes a so-called “bad debt”. Therefore, depending on the sales company, in order to avoid the above-mentioned risk, there is a case where the agency collection company is requested to collect the above-mentioned money. Upon receiving this request, the agency collection company collects the price of the product or the like from the customer and pays the price to the sales company to receive a certain commission from the sales company. If the agent collects the transaction credit insurance at the time of collection, even if the agent is unable to collect the money, the agent can receive the payment equivalent to the money. I do not receive.

[0003] However, due to the complexity of the procedure, the above-mentioned credit insurance can be applied only to the case where the products handled are expensive, such as land and buildings. When trading on shelves or desks, it is necessary to collect goods and the like on behalf of trade credit insurance. In addition, if the customer is a corporation, small-scale transactions will have to receive a collection request from a sales company without investigating the financial status of the corporation or the level of repayment capacity. We couldn't make a solid chance of collecting the money. Further, in recent years, due to the development of electronic communication technology, facsimile, the Internet, and the like, the number of orders from new customers has increased without going through a sales person. Many of such customers are located in remote locations, and as the trade area expands, managing the customer's solvency is becoming difficult or impossible. In such a situation,
There is an increasing demand for the construction of a safer system in order to collect money for small transactions.

[0004]

SUMMARY OF THE INVENTION The present invention solves the above-mentioned problems and can reliably receive a request for agency collection even in the transaction of small amount of goods, etc., and the agency of accounts receivable whose collection rate is improved as compared with the prior art. An object of the present invention is to provide a collection system and a substitute collection method thereof.

[0005]

According to the present invention, there is provided a method for collecting accounts receivable by an agent, in which an agent collecting application for a member registration and a sales company registration is accepted, and a user who has applied for the member registration and an application for a sales company registration. Transmitting the information of the company that has performed the above to the credit inspection company via the Internet, and performing a credit check of these users and the company; and A step in which the agent collection company registers as a member or a sales company for the user or the company whose evaluation point satisfies the specified value, and a step in which the agent collection company pays a payment limit to the sales company in accordance with the evaluation point, A request from the sales company to collect payment for the sale of goods or services to the member from the sales company. The step of receiving, the step of determining whether the credit transaction is valid or not by the agency collection company, and the step of collecting the money from the member and paying it to the sales company when the agency collection company determines that the transaction is valid. Including.

In this collection method, when the evaluation point of the user is equal to or more than a specified value, a step of enrolling the user in the transaction credit insurance, and a database is constructed using the results of the credit survey of the member and the sales company. The step of performing the operation can be further added. In the past, small transactions, for example, when a customer sold a personal computer or desk to a customer, it was not possible to join the transaction credit insurance, but according to the above method, comprehensive transactions were also possible in the case of small transactions. You can subscribe to trade credit insurance. Therefore, even if the accounts receivable cannot be collected, the agency collection company does not suffer any loss. According to the above collection method, a credit check is performed in advance when registering as a sales company and a member, and the payment limit paid by the agent collection agency is set in accordance with the credit score based on the credit check. Can understand enough,
Receivables can be reliably collected. The determination of whether the credit transaction is effective is based on the amount of the transaction between the distributor and the member, the amount of the member's accounts receivable, the amount of credit insurance, and the payment limit. Can be done by forehead.

[0007] The credit limit of the member and the sales company is
For example, it is possible to perform a replacement process of automatically reviewing the contract period after the contract period of one year or two years has passed. The application for membership registration or sales company registration can be made by mailing a document to ensure confidentiality. However, if this secret does not leak, other means including electric communication means such as the Internet may be used. Further, the agent receivable collection system according to the present invention is a sales company that sells goods or services, a member who purchases goods or services from the sales company, a credit research company that performs a credit check of these sales companies and members, A credit transaction insurance insurer that the member joins if the credit investigation result of the member is less than the specified value, and an agency collection agency that collects the accounts receivable from the member on behalf of the member in response to the collection request from the above sales company and pays it to the sales company And

[0008]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an embodiment of a system and a method for the agency collection of accounts receivable according to the present invention;

[0009] The method of the agency collection of accounts receivable according to the present invention is roughly divided into the conclusion of a membership contract, the conclusion of a sales company agreement, the collection and payment of money associated with the sale, and the renewal processing. These will be described in order. [Conclusion of Membership Agreement] (Application for Membership Registration) As shown in FIG. 1, when a user 1 of a company or the like wants to register as a member in the above-mentioned agency collection system, the prescribed items of the sales company 3 that signs a credit agreement are required. It is described in the section registration application form 5, and the section registration application form 5 is mailed to the agent collection agency 7, or the leg is directly carried and handed. Furthermore, if security is ensured, this application can be accepted using telecommunication means such as the Internet. The section registration application form 7 may be filled out on behalf of the sales company 3 under contract. Upon receipt of the section registration application form 5, the agency collection company 7 registers the company information 8 thereof.

(Credit) On the other hand, the agent recovery agency 7 requests the research company 9 in advance to investigate various past transaction results and the like, and finds a company that can be judged to be sufficiently credible based on the results. Make a list in advance. Therefore, upon receiving the above-mentioned section registration application form 5, the agency collection company 7 searches for the company, etc., which is the user 1 who made the application, and if it is on the list, conducts a survey normally necessary for credit. No consideration is given to whether or not to subscribe to the credit insurance 11. If not, go to credit check.

First, user 1 who has applied for membership registration
(Company), after simply examining the location of the business establishment of the user 1, a request is made to the survey company 9 for credit work. The research company is responsible for the financial status, past transaction results,
Investigation 13 is carried out using various types of databases for information such as credit balances and the like. The credit rating, which is the result 15 of the credit survey, is sent to the agency collection company 7. If the credit rating satisfies the reference value set by the agent collection company 7, the credit information 17 of the user 1 is input to the computer, and the credit information 17 is automatically stored in the credit information database 19 on the computer. Sent to and stored. Next, if necessary, the process proceeds to the stage of examining the participation of the trade credit insurance 11. It is preferable that the evaluation of the credit score, which is the result of the credit check, be performed on a computer based on a predetermined standard.

On the other hand, if the credit score does not satisfy the reference value set by the agent recovery agent 7, the registered corporate information 8 is deleted as described above, and then the contract invalidation notification 21 is sent to the user 1. Send by e-mail or mail. The maximum amount to be paid to the member is determined according to the credit rating. For example, if the credit rating is 51 to 55 points, 100
You can only sell for up to ¥ 10,000, but the payment limit will increase to ¥ 3,000,000 from 55 to 65, and to ¥ 5,000,000 for more than 65.

(Participation in Transaction Credit Insurance) Credit Result 1
Next, for the user 1 whose value 5 satisfies the prescribed value, it is examined whether or not to take out the comprehensive insurance of the trade credit insurance 11.
Also in this case, the determination is made based on whether or not the credit score of the user 1 satisfies the reference value set by the agency collection company 7. If the credit score exceeds this reference value, the process proceeds to the next step of inputting the membership contract information 23 without joining the credit insurance business 11. Join and combine the credit margin 25
Set. Thereafter, the process proceeds to an input step of the member contract information 23, and a contract period and a renewal period are set. This step of judging whether or not to take out insurance is unnecessary when all members automatically take out insurance. This is a matter that can be changed according to the service provided by the insurance company.

(Cash Collection Method) Next, a bill collection method 25 is determined. This collection method 25 includes an automatic transfer 27
And an individual transfer 29. In the case of corporate credit, the automatic transfer 27 is used in principle. In this case, after confirming 33 the billing account of the billing account using the deposit account automatic transfer request form 31 from the user 1, the member code number, ID and password are given 35, and the member registration 37 is performed. Procedure is completed. Here, user 1
Will be registered as a “member”. When the registration is completed, the agency collection company 7 mails the stamped member contract 39 to the registered member.

[Conclusion of Sales Company Contract] As shown in FIG. 2, a company wishing to register as the sales company 3 in the above-mentioned agency collection system can conclude a sales company contract with the agency collection company 7 in accordance with the following procedure. . (Application for a sales company contract) The above-mentioned company passes the sales company registration application form 51 to the agency collection company 7 by mail or by directly carrying a leg, or by using electronic communication means. In the sales company registration application form 51, an applicant, a manager in charge, a payee, and a fee billing destination are described.

(Credit work) As in the case of listing in the conclusion of a membership contract, the agent collection agency 7 requests the research company 9 to judge from the past transaction results and the like, and determines that there is sufficient credit. List the companies that can be judged in advance. The agency collection company 7 registers the contents of the sales company registration application form 51 as corporate information. In addition, agent collection agency 7
Searches for the name of the company for which the application was made and enters the basic contract information without credit if the company is on the list.
The process proceeds to step 7, and if the item is not listed, the credit operation is started. That is, the agency collection company 7 inputs the name of the company to which the sales company contract has been applied, and requests the investigation company 9 for credit work by e-mail. The survey company 9 receiving this credit request, as in the case of membership registration described above,
The research company 9 conducts credit work by investigating information such as the financial contents of the target company and past transaction results from various data. The credit score, which is the credit result 59, is represented by the agent collection agency 7
If the reference value is satisfied, the credit result 59 is input to the credit information database 61, and then the process proceeds to the basic contract information input 57 step. On the other hand, if the credit rating of the company is less than the reference value set by the agent recovery company 7, the company information 53 is deleted, and then the contract invalidation notification 63 is notified to the company by e-mail or mail.

(Conclusion of Basic Contract Contents) The basic contract contents include, for example, the member name of the counterparty who sells the merchandise, registration of the payee, registration of the fee billing destination, etc., and are entered on a predetermined screen of the computer. . When these inputs are completed, the payee number 65 and the management number are sent to the company using electronic communication means such as e-mail or online transmission. When these numbers are entered on the computer screen, the sales company The screen can shift to an input screen for the contract information 67. When information such as the contract period is input on this screen, a sales company contract 69 is issued, and the sales company contract 69 is sent from the agency collection company 7 usually by mail.

Next, a description will be given of a procedure in which the member and the sales company who have completed the registration according to the above-described procedure use the agent system for collecting accounts payable according to the present invention. [Pickup Collection and Payment] First, a case will be described in which the member 71 purchases a product or the like from the sales company 3 and requests the transfer collection company 7 for the collection of the payment. (Request for Collection) As shown in FIG. 3, the sales company 3 sends the transaction contents 73, such as the payee number 65, the member code, the password, and the IP address, to the agent / collector via electronic communication means such as electronic mail or online communication. 7 to make a request to collect the payment. In addition, sales company 3
The user also inputs information on the transaction for which he / she has sold, and the member code, ID, password and the like of the other party. (Specification of Sales Company and Member) The agency collection company 7 specifies the sales company 3 based on whether or not the payee number 65, the member code, and the like match those notified in advance. In addition, the identification of the member 71 is performed using the above-described member code or the like. If the contract period of the sales company 3 and the member 71 has expired, a renewal process described later is separately performed.

(Confirmation of Transaction Validity) Next, the validity of the transaction content 73 input above is confirmed. This is a member 71
The balance of the receivable is calculated, the payment limit, the transaction credit insurance subscription amount, and the existence of the excess of the credit limit are confirmed, and the judgment is made in consideration of the transaction results of the member 71 and the sales company 3. This can be done automatically by a computer.
If it is confirmed by these confirmations that the transaction is invalid, a transaction invalidation notification 75 is sent from the agent collection company 7 to the sales company 3 and the member 71 by e-mail. On the other hand, if the transaction is confirmed to be valid, it is assumed that the credit transaction requested by the sales company 3 has been received, and the sales receipt notification 79 is sent to the sales company 3 and / or the member 71 by e-mail. Will be sent by At the same time, the balance of accounts receivable of the member 71 and the balance of accounts receivable of the sales company 3 are reviewed, and the credit limit 81 is updated.

(Substitute collection work) Thereafter, the collection work is performed by the substitute collection company 7. More specifically, the agent collection agency 7 requests the member 71 to pay the above-mentioned amount, and collects the amount from the member 71. The information on the collection of the payment is stored as credit information of the member in association with each member. Further, in this collection, since the supplier common information 83 and the supplier base information 85 are obtained, they can be accumulated as valuable company information.

[0021]

According to the present invention, by using the electronic communication technology and the computer, it becomes possible to collect the receivable of small-lot transactions, which has been difficult because of cost and time constraints. In small-lot transactions, if it is not determined in a very short time whether or not an order can be received, the convenience for the customer will be significantly deteriorated. According to the present invention, however, it is quickly determined whether or not an order can be received. And the cost for that decision can be reduced. Further, when concluding a contract with a member and a sales company, since credit management is performed in advance and the credit limit is determined, even when a small amount of merchandise or the like is traded for credit, it is possible to join the transaction credit insurance. For this reason, the collection rate of money can be improved, and even if the money cannot be collected, the loss can be avoided by insurance.

[Brief description of the drawings]

FIG. 1 is a flowchart for performing a member registration procedure according to the present invention.

FIG. 2 is a flowchart of a procedure for registering a sales company according to the present invention.

FIG. 3 is a flowchart showing a procedure for performing a credit transaction according to the present invention.

[Explanation of symbols]

 1 User 3 Sales Company 5 Department Registration Application 7 Agency Collection Company 8 Corporate Information 9 Research Company 11 Credit Insurance 13 Credit Act 15 Credit Result 17 Credit Information 19 Credit Information Database 21 Contract Invalid Notification 23 Membership Information 25 Automatic Collection 27 Automatic Transfer 29 Transfer 31 Deposit Account Automatic Transfer Request Form 33 Billing Account 35 Member Code 37 Member Registration 39 Member Contract 51 Sales Company Contract Registration Application 57 Basic Contract Information Input 59 Credit Result 61 Credit Information Database 63 Contract Invalid Notification 65 Payee Number 67 Sales company contract information 69 Sales company contract 71 Member 73 Transaction details 75 Transaction invalidity notification 77 Agency collection 79 Transaction receipt notification 81 Credit limit 83 Business partner common information 85 Business base information

Claims (7)

[Claims] Claims: 1. A step in which an agency collection agency accepts an application for member registration and sales company registration, and the agency collection company credits information on the user who applied for membership registration and the company that applied for sales company registration via the Internet. A step of transmitting a credit to the user and the company by transmitting it to the research company, and collecting the user or the company for which the credit evaluation score transmitted from the credit research company via the Internet satisfies the specified value. A step in which the trader registers as a member or a sales company, a step in which the agency collection company pays a payment limit to the sales company in accordance with the evaluation point, and a step in which the sales company sells goods or services to the member. The step of receiving a request for collection of money from the sales company through the agency via the Internet, and whether the credit transaction is valid or not. A receivable agent collection method comprising: a step of determining by an agent collection company; and a step of collecting the money from a member and paying the sales agent to the agent when the credit transaction is determined to be valid. 2. The method according to claim 1, further comprising the step of, when the evaluation point of the user is equal to or more than a specified value, enrolling the user in the credit insurance. 3. The method according to claim 1, further comprising the step of constructing a database using the results of the credit survey of the member and the sales company. 4. The method according to claim 1, wherein the validity of the sales transaction is determined based on the sales transaction amount, the balance of the accounts receivable of the member, the participation amount in the transaction credit insurance, and the payment limit. 3. The method for collecting accounts receivable on behalf of any one of 3. 5. The method according to claim 1, further comprising a step of periodically performing a renewal process when the contract period of the member or the sales company has expired. Method. 6. The method according to claim 1, wherein said application for membership registration or sales company registration is made in writing. 7. A sales company that sells goods or services for credit.
A member who purchases goods or services from the sales company, a credit research company that conducts a credit check of these sales companies and members, and a credit transaction insurance that the member joins when the result of the credit check of the member does not reach the specified value. Receivable agency collection system comprising an insurance company and an agency that collects accounts receivable from members in response to collection requests from the above distributors and collects and pays them to distributors.