WO2002003280A1

WO2002003280A1 - Method for purchasing aggregate credit

Info

Publication number: WO2002003280A1
Application number: PCT/JP2001/005766
Authority: WO
Inventors: Tamio Yamaguchi; Kazuya Kawashima; Kunihiko Anegawa; Koji Tsuchimoto; Hiroyuki Yazawa
Original assignee: Tomen Corporation
Priority date: 2000-07-04
Filing date: 2001-07-03
Publication date: 2002-01-10
Also published as: JP2002024545A; AU2001267918A1

Abstract

This method realizes the fluidity or purchase of aggregate credits (care remuneration credits) which requires no offer of interpolative security and increase the ratio of the settlement amount of an assignment price to the credit face value at the time of transfer, thereby enabling earlier cashing. Individual credit data on each credit of the aggregate credits one of which an assignor (1) has applied to transfer, credit content inspection data, and data (7) on the proof of credit recovery reliability are fetched and stored by a storage medium, transmission medium, or network medium, and the individual credit data is judged (5) whether the credit is eligible as the assignment object according to a processing program by using the content inspection data and the recovery reliability data of each credit. Only a credit judged to be eligible, and the original debtor is informed of credit assignment. Data on the result of the judgment of the eligibility of an individual credit is stored in a database (6), collated with the recovery record data on the credit concerned, and analyzed.

Description

Detail

Title of invention: Method of purchasing collective receivables

Technical field

The present invention relates to liquidation of collective receivables, that is, buying and selling collective receivables, and more particularly to a method and system for purchasing collective receivables. INDUSTRIAL APPLICABILITY The present invention can be used in all fields where the assignee (original creditor) intends to liquidate collective receivables for the purpose of asset reduction and quick cashing. Based on the above, it is suitable for the method and system for purchasing long-term care receivables based on long-term care services provided by in-home care service providers to insured persons (need-to-care recipients). Background art

Conventionally, in the liquidation of collective receivables (transfer of receivables), since individual receivables are small and the number of receivables is large, the eligibility of individual receivables for liquidation is judged. In addition, no analysis has been performed on the certainty of debt collection. Therefore, in liquidating collective receivables, the receivables of the receivable are usually required to provide supplementary collateral (e.g., real estate mortgage, personal property pledge, deposit, solidarity guarantee, etc.) in addition to the receivables. This is a factor that hinders the spread of collective receivables liquidation.

In addition, with regard to the settlement of the transfer of receivables in the liquidation of collective receivables, the transfer of the receivables and the transfer of It is customary to split the loan after the loan collection from the company is completed. In general, payments are settled after collection of receivables by settling the difference between the actual amount collected and the price settled when the receivables were transferred. However, In the case of collective receivables, the qualification of individual receivables and the analysis of collection certainty have not been performed, so the settlement price at the time of transfer of the receivables should remain at a low ratio to the face value of the liquidated receivables. As a result, early cashing through liquidation of collective receivables is limited.

The Long-Term Care Insurance Law has been in force since April 1, 2000, but the Long-Term Care Service Provider, who provided services to insured persons based on the Long-Term Care Insurance Law, also has a long-term care compensation claim. These are collective receivables generated for each insured person based on services provided by a long-term care service provider to a large number of insured persons (that is, care recipients). In the case of this nursing care receivable, the insured bears 10% of the amount of the service, and the remaining 90% is paid to the home care service provider by the Federation of National Health Insurance Associations as the original debtor As a result, the National Federation of National Health Insurance organizations will be paid at the end of the following month after the provision of the service. For this reason, many home care service providers require an early payment, and it is desirable to purchase a long-term care compensation claim. In general, the purchase of a collective or single loan usually requires complementary collateral, such as the setting of a mortgage. However, in the case of collective receivables generated for each insured person, such as long-term care compensation receivables, it is cumbersome to seek complementary collateral for each insured person, which hinders early purchase operations. Therefore, there is a great demand for early purchase of long-term care compensation receivables without the need for complementary collateral procedures. There is also a strong demand for a high ratio of cash to the face value of long-term care compensation claims. Disclosure of the invention

Accordingly, an object of the present invention is to realize liquidation of collective claims that do not require the provision of supplementary collateral, that is, purchase of collective claims (and remuneration for long-term care).

In addition, the settlement price for the transfer of collective receivables (and nursing care remuneration receivables) is set at a high ratio to the face value of the receivables, realizing collective receivables liquidation that enables rapid cashing to the utmost extent. Is to do.

In order to achieve this object, the invention of the method for purchasing a collective claim according to claim 1 is described in claim 1 for an individual claim of a collective claim for which a claimant has applied for a claim transfer, and for a content check of the claim. And a step of capturing and storing the data demonstrating the certainty of collection of the receivables using a storage medium, a transmission medium, or a network medium. Determining the eligibility for transfer of the receivables by the processing program using the data that proves the certainty of collection; and purchasing only the eligible receivables that have been qualified by the determination step. Providing the debtor with a notice of the transfer of the receivable.

In this way, the data that proves the certainty of the collection of the claims is captured by storage media, transmission media, or network media, and is combined with the individual claims of the aggregated claims and the inspection of the contents of the claims. Judgment of eligibility will be enhanced to enhance the accuracy of judgment, and only the selected eligible receivables will be purchased to increase the certainty of collection of receivables, thereby realizing collective receivables liquidation that does not require the provision of supplementary collateral. The transfer of receivables shall be informed to the obligor to satisfy the requirements of a third party against legal regulations.

In the above case, a step of accumulating the result of the eligibility judgment of each receivable obtained in the judgment step in a database, and individually assigning the accumulated result data to the collection result data of the receivable. It is preferable to add the steps to be analyzed. Then, it is preferable to provide a step of feeding back the analysis result of the analysis step so as to be an additional eligibility determination in the eligibility determination step. As a result, the accuracy of the eligibility determination can be further improved.

The collective claim purchase system of claim 4 is based on the following: the individual claim data of the collective claim for which the claimant has applied for the claim transfer, the data of the claim content inspection, and the data that proves the certainty of the claim collection. Storage, transmission, or network media The eligibility to transfer the receivables is determined using the means for capturing and storing the receivables and the data of the individual receivables using the inspection data of the receivables and data proving the certainty of collection of the receivables. And a database for receiving and accumulating eligibility determination result data determined by the determination device, wherein the receivables determined to be eligible by the determination device can be purchased. Features. As a result, the above-described method of purchasing the collective bond can be realized.

In this case, the data collection rate is defined as a means for receiving and storing the debt collection performance data from the obligor and the stored credit collection performance data as the stored eligibility determination result data. Means for analyzing the contents of the collection in response to the request, and the data is collected by the determination device so that the analyzed result data is fed back to the determination device as additional eligibility determination data. It is preferably connected to It is also preferable that the result of the analysis is output from the database to disclose the analysis result information.

Claim 7 provides a method of purchasing a nursing care receivable receivable owned by a home care service provider who provided services to an insured person based on the Nursing Care Insurance Law.介護 The storage media, transmission media, or network media for the individual nursing care benefit claim data, insured person data, and related payment management slips from the home care support provider who received the application for the transfer of receivables And storing the individual nursing care benefit claim data as a transfer object of the nursing care receivable by a processing program using the data of each insured person and each payment management slip data. A step of judging eligibility, and purchasing only qualified nursing care receivables whose eligibility was judged by the judging step, and Characterized in that comprising a step of transferring notification care compensation receivables. In this way, the benefit management slip from the home care support provider, a third-party organization, is captured via storage media, transmission media, or network media, and individual care benefits are provided. The accuracy of the judgment is improved by judging the eligibility together with the overnight claim and the insured person, so that only the eligible long-term care compensation receivables selected by the eligibility judgment To increase the certainty of recovery of long-term care receivables, realize liquidation of long-term care receivables collection that does not require the provision of supplementary collateral, and set the settlement price of the transfer price at the time of transfer high relative to the face value of the receivables It is possible to carry out early cash dagger to the limit.

In this case, a step of accumulating the results of the eligibility judgment of the individual nursing care remuneration claims obtained in the judging step in a database; and transmitting the accumulated result data to the National Health Insurance Association It is preferable to add a step of assigning and analyzing the performance of the collection of the receivables from the association. Preferably, the method further includes a step of feeding back the analysis result of the analysis step in the eligibility determination step so as to provide additional eligibility determination data.

Further, the home care service provider's claims to the insured person associated with the nursing care service provided by the home care service provider pertaining to the nursing care receivables are formatted using the related insured person data. It is preferable to have a step of automatically registering the receivable transfer in accordance with the following. As a result, the home care service provider registers the transfer of the receivables that the insured has to the insured person, and secures the damages in the case where the existence of the receivables is denied due to the legal uncertainty of the remuneration for long-term care. To be able to

Claim 11 In the home care service provider who provided services to the insured person based on the Nursing Care Insurance Law, the purchase system for nursing care receivables received an application from the home nursing care service provider for the transfer of nursing care receivables Means for capturing and storing individual care payment claim data, insured person data, and payment management form data from home care support providers using a storage medium, a transmission medium, or a network medium; Processor means for judging the eligibility of the individual nursing care reimbursement claims for the purpose of assigning the nursing care compensation receivables using the insured persons data and the benefit management card data. Receiving and accumulating the eligibility judgment result data determined by the judging device A reimbursement receivable that is determined to be eligible by the determination device. As a result, the above-mentioned method of purchasing a long-term care compensation claim can be realized.

In this case, the database is configured to receive and accumulate debt collection performance data from the National Health Insurance Federation, which is the obligor, and to store the accumulated debt collection performance data in the accumulated eligibility determination result. Means for individually assigning data and analyzing the contents of collection, wherein the data base is configured to feed back the analyzed data as additional eligibility determination data to the determination device. Is preferably connected to the determination device. In addition, there is a means to register the transfer of the receivables of the home care service provider associated with the nursing care service provided by the home care service provider using the relevant insured data. Is preferred. BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a block diagram including a collective bond purchase system according to the present invention. FIG. 2 is a functional block diagram of the determination device of FIG.

FIG. 3 is a functional block diagram of the database of FIG.

FIG. 4 is a block diagram including a purchase system for a long-term care remuneration claim according to the present invention. FIG. 5 is a functional block diagram of the determination device of FIG.

FIG. 6 is a functional block diagram based on the data of FIG. BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 shows a block diagram relating to liquidation of claims according to the present invention, that is, transfer (purchase) of claims. The assignee 1 is the original creditor, and the claim of the assignor 1 is repaid by the obligor 2 after a period specified by a contract or the like. In the case of the present invention, Receivable holder 1 has a large number of receivables, collective receivables, and wants to be cashed out early, that is, liquidate the receivables. The present invention responds to the liquidation of the receivables, and a collective receivables purchase system 3 that realizes the present invention is provided between the receivable assignee 1 and the obligor 2 as a receivable assignee. The collective receivables purchase system 3 according to the present invention receives an application for transfer of receivables from the receivable assignor 1, makes a judgment on each of the collective receivables, and appropriately purchases the receivables.

In FIG. 1, the collective receivables purchase system 3 includes a liquidity receivable eligibility determination device 5 and a data base 6 for managing and analyzing purchased receivables and accumulating the data. Then, various data of the determination result in the determination device 5 are accumulated in the database 6, and the data collection pace 6 also analyzes the collection of the debt from the obligor 2 and stores the data. The analysis results are also accumulated, and the results are fed back to the determination device 5 as a result.

Now, when an application for the transfer of a collective claim is received from the claimant 1, the collective claim purchase system 3 as a claim transferee is executed by the claimant 1 from the individual claim of the collective claim (amount, etc.) and The contents of the receivables inspection (identification of receivables, etc.) are received by magnetic disk such as FDMO, other storage media, transmission media such as communication, or network media such as Internet connection, etc. It is stored in the storage means provided in the determination device. Separately from this, the purchase system 3 captures the data, which is distributed from the third party 7 and proves the certainty of the collection of the receivables, into the judgment device 5 by using a storage medium, a transmission medium or a network medium. , Also remember this.

Next, the individual credit data stored in the determination device is converted into a credit by a computer processing program, using a content check data of each corresponding credit and a data certifying the reliability of collection of each credit. Of eligibility for transfer. Only eligible receivables for which eligibility has been determined by this determination will be purchased. As a result of this purchase, the receivable transferor 1 transfers the receivable shown by the double arrow 9 and the purchaser 3 The bond transfer price shown by the solid arrow 10 in 1 is paid. Payments are usually made separately at the time of the transfer of the loan and after the collection of the loan from the obligor is completed, in order to reduce the risk of economic loss due to the loss of the loan. In this installment payment, according to the present invention, unlike in the past, the suitability of a claim is individually determined even if it is a collective claim. The risk of financial loss due to the inability to collect debt has been greatly reduced because of the increased accuracy of the decision by adopting the same, and the payment for the transfer of receivables can be significantly higher than in the past. In addition, the purchase system 3 performs the purchase of the receivables to the obligor 2 as shown by a solid arrow 11 in order to satisfy the legal and third party rival requirements.

When the obligor 2 receives the notice, the amount corresponding to the receivable will be repaid as collection of the receivable, as indicated by the solid arrow 12 when the payment is due. The data on the amount and timing of collection of receivables are accumulated on a data collection basis of the purchase system 3 and the contents of those collections are analyzed. Even in the case of unrecoverable cases, the data will be accumulated and analyzed on the Data Base 6. In other words, Data Base 6 analyzes the accumulated result data by assigning it individually to the collection date of the relevant loan. After the analysis, the data are accumulated at the data overnight pace 6. The data after this analysis is also fed back to the judging device 5 to make a decision on the eligibility of the additional car in the eligibility judgment!

FIG. 2 is a functional block diagram showing details of the determination device 5 of the collective receivables purchase system 3. The claim data of each claim taken from the assignee 1 is stored in the first storage means 13, and the contents of the claim for each claim taken from the assignee 1 are stored in the master file 14. Further, the data which proves the certainty of the collection of the receivable from the third party is stored in the second storage means 15. These data are reconciled by Qualification Block 17 according to the transferor's application for transfer. Is made. The hardware for performing the qualification determination block may be formed by a dedicated electronic circuit, or may be formed by a computer system including a processor, a ROM, a RAM, and the like. The result of this eligibility determination is, if eligible, a file as shown in Proc. 18 as Eligible Credit Data, which is processed as shown in Block 19 as a liquidation (purchase) receivable decision. As a result of the eligibility judgment, it is generated as a data file 21. If the eligibility determination result is inappropriate, it is made into an unqualified receivables data file 22, which becomes the eligibility result data file 21 as it is. These result data 21 are all sent to the data base 6 shown in FIGS. 1 and 3 as shown by the arrow 23. If the result of the eligibility determination is qualified, the receivables are transferred based on the eligibility determination result file 21.

FIG. 3 is a functional block diagram showing the details of the database 6 of the collective loan purchase system 3. As a result of the eligibility judgment of each receivable taken in from the judging device 5, both qualified and unqualified ones are accumulated in the database 6. The data collected from the debtor from the obligor 25 is sent to the database 6 together with the deposit, for example, by storage media, transmission media, network media, and paper media. As evening, it is taken in and stored at De-Ishiba Base 6. The day 6 includes means for individually assigning the accumulated debt collection performance data to the accumulated eligibility judgment result data and analyzing the contents of the collection. This analysis means can be configured, for example, by a computer system having a processor, a ROM, a RAM, and the like. This analysis includes, for example, an analysis of the debt collection rate, an analysis of the reduction if the amount has been reduced, and a detailed analysis of the amount if it cannot be collected. The database 6 feeds back the analyzed result data to the judging device 5 as additional eligibility judging data as shown by an arrow 26. Feedback on the results of this analysis further improves the accuracy of eligibility determination and The payment settlement ratio at the time of purchase can be increased. This feedback is preferably always carried out in the same way as the accumulation of the data file 21 as a result of the qualification. From the data pace 6, the analysis result data will be sent to the investor, etc. who invested in the company that conducts the loan transaction business by the purchase system 3, as shown by reference numeral 27. Information can be disclosed by such means.

4 to 6 show an embodiment of the nursing care remuneration claim purchase system according to the present invention relating to the liquidation of nursing care receivables under the nursing care insurance system. As shown in Fig. 4, in the long-term care insurance system, the insured person (that is, the person requiring care) 29 receives a specific service from the home care service provider 30, and the home care service provider 30 pays the fee. The remaining 90% will be paid to home care service providers by the Federation of National Health Insurance Organizations 33 commissioned by municipalities and special wards, etc. For this reason, in the long-term care insurance system, the home care service provider 30 who owns the collective receivables becomes the original creditor, and the National Health Insurance Association Federation 31 becomes the original debtor. Furthermore, in the nursing care insurance system, home care support providers (so-called care managers) 34 create care plans for those requiring long-term care, that is, the insured 29, and provide home care service providers 30 with services. It also performs benefit management work for the accompanying benefits and submits a benefit management vote to the National Health Insurance Association Federation 33. The National Federation of National Health Insurance Associations 3 receives the “Nursing Care Benefit Invoice Data — Evening” and “Nursing Care Benefit Claim Invoice” based on the nursing care receivables from home care service providers, Received a “Benefit Management Form” from the insurer, and received an overnight insured from the insurer (municipalities, etc.) to check for erroneous or fraudulent claims. At the end of the month following the service provided by the home care service provider to the insured, payment will be made to the home care service provider. As described above, the payment of the service to the home care service provider is at the end of the month following the month following the provision of the service, as described above.

0 Wants to cash in early and eventually liquidate receivables. The present invention responds to the liquidation of this claim.The home care service provider 30 as the assignor of the claim and the National Health Insurance Federation 33 as the obligor, There is provided a nursing care remuneration purchase system 35 that realizes the present invention. According to the present invention, the nursing care receivable purchase system 35 receives an application for the transfer of nursing care receivables from the home care service provider 30 and makes a judgment on each of the nursing care receivables, thereby providing accurate nursing care. Purchase remuneration claims.

In Figure 4, the nursing care receivables purchase system 35 consists of a liquidity receivable eligibility determination device 37, and a database 38 that manages and analyzes purchased receivables and accumulates their data. It has. Then, various data in the judgment result from the judging device 37 are accumulated in the database 38, and the data base 38 is used to collect the receivables from the National Health Insurance Association Association 33 (that is, for the nursing care service). The system also analyzes and accumulates data on (reward based on), accumulates the analysis results, and feeds back the result data to the judgment device 37. When a home care service provider 30 receives an application for the transfer of long-term care receivables, the long-term care receivable receivable purchase system 35 as a receivables transferor receives individual data on long-term care receivables from the home care service provider 30 ( Amount, etc.) and the data of the insured person are received by FD, MO or other storage media, transmission media such as communication, or network media such as Internet connection network, etc., and stored in the storage means provided in the judgment device 35. Remember. Separately from this, the nursing care repurchase system 35 is based on the payment management slip data 39 as data proving the certainty of debt collection distributed by home care support providers 34, storage media, and transmission media. Alternatively, it is taken into the judgment device 37 by a network medium, and is also stored.

Next, the judgment device 37 calculates the nursing care receivables stored by the computer using the corresponding insured persons' data and the respective payment management slips by the computer processing program. Determining eligibility for transfer of remuneration receivables. This judgment Purchase only qualified long-term care compensation receivables. As a result of this purchase, the nursing care service provider 30 transfers the nursing care receivables, as indicated by the double arrow 41, and the nursing care receivables purchase system 35 transfers them to the home nursing care service provider 30. The transfer price of the loan indicated by the solid arrow 42 is paid. It is customary to make this payment separately when the receivables are transferred and after the receivables are collected. Even in this installment payment, the present invention determines the eligibility of the nursing care receivables individually, unlike the conventional method, and furthermore, the data which proves the certainty of the receivables in the determination of the eligibility. Since the accuracy of the judgment is improved by adopting the payment management form, the risk of economic loss due to the inability to collect the debt has been greatly reduced, and the payment for the transfer of the receivable has been reduced compared to the past. Can be quite expensive. In addition, the long-term care receivables purchase system 35 sends purchases of the receivables to the National Federation of National Health Insurance Associations 33 as indicated by a solid arrow 43, and stipulates the legal requirements against third parties. I'm satisfied.

The home healthcare service provider 30 and the National Health Insurance Association Federation notified by the nursing care receivables purchase system 35 5 The corresponding amount is repaid as a collection of receivables, as indicated by the solid arrows 45. The data on the amount and timing of collection of the receivables are stored in the database 38 of the nursing care receivables purchase system 35, and the contents of the collection are analyzed. Even in the case of unrecoverable cases, the data will be accumulated and analyzed on the day 38. That is, the data base 38 analyzes the accumulated result data by individually assigning the collected result data to the collection performance data of the relevant nursing care compensation receivables. The night after the analysis is also accumulated at the night 38 pace. The data after this analysis is also fed back to the judging device 37, and is used as an additional eligibility judgment data in the eligibility judgment.

Optionally, based on the specialty of the long-term care insurance system, home care service providers can provide service compensation to insured persons owned by home care service providers. It is also preferable to receive the transfer of receivables (see double arrow 46). Based on the insured data obtained from the home care service provider at the same time as the transfer of the service compensation receivables, the service compensation receivables with the insured as the obligor are automatically converted overnight to the registry office. Register service receivables transfer (reference number 47). As a result, if the home care service provider registers the transfer of the receivables that the insured has to the insured person, and the legal uncertainty of the nursing care receivable claims results in the denial of the existence of the receivables It is possible to secure The registration of this service fee receivable is a registration of the transfer of collective receivables. Also, this registration is not mandatory, and can be omitted once the long-term care compensation claims are clear.

FIG. 5 is a functional block diagram showing the details of the judgment device 37 of the nursing care remuneration purchase system 35. The first night of the long-term care receivable receivable claims taken from the home care service provider 30, that is, the long-term care payment expenses billing statement and the long-term care benefits claim statement data are stored in the first storage means 49. You. The payment management form data as a proof of the certainty of the credits taken from the home care support provider 34 is stored in the second storage means 50. The judgment device 37 includes various master files required for the long-term care insurance system, that is, the service code master file 51, the insured master file 53, the insurer's master file 54, and home care. There are a service provider's mass service file 55 and a home care service provider 57. The insured person information 56 is received, for example, from the home care service provider 30 and stored in the insured person's cell 53.

In accordance with the home care service provider's 30 application for the transfer of remuneration for long-term care, the nursing care claim bill data and nursing care benefit claim statement data in the first memory means 49, and the benefit management slip in the second memory means 50 The e-mail and the insured data in the file 53 of the insured are matched by the eligibility check block 58 to determine the eligibility of the long-term care receivable. In this case, a service prepared independently as data for checking the contents of receivables The scode master file 51, the insurer's box 5-1, the home care service provider's box 夕 5, and the home care support office's box ファイル 5 7 It is preferable to use it overnight. The hardware for performing the eligibility determination block 58 may be formed by a dedicated electronic circuit, or may be formed by a computer system including a processor, a ROM, a RAM, and the like. . The result of the eligibility determination is, if eligible, a file as shown in Block 59 as Eligible Receivable Data, which is processed as shown in Block 61 to determine the purchased receivable and its amount. It is generated as a data file 62 as a result of sex determination. If the result of the eligibility judgment is inappropriate by the judgment process 58, it becomes an unqualified receivables data file 63, which becomes the eligibility judgment result data file 62 as it is. All of these results are sent to the data base 38 shown in FIGS. 4 and 6, as indicated by the arrow 65. If the eligibility result is qualified, the procedure for purchasing a long-term care remuneration receivable shall be performed based on the eligibility result file.

As an option, it is preferable to receive the transfer of the service remuneration claim from the home care service provider to the insured owned by the home care service provider and to register it, whereby the home care service provider Will register the transfer of the receivables it has to the insured so that the legal uncertainty of the nursing care reimbursement will secure the damages in the event of a denial of the receivable. To execute this option, the judgment device 37 sends the insured person information 56 (including information on many insured persons) from the home care service provider as shown on the left side of FIG. Upon receipt, they are sent to the registration format processing section 67 (arrow 69), and the service compensation receivables with the insured as the obligor are automatically converted overnight to comply with the registry office format They can be prepared as documents and submitted to the registry as they are (see arrow 70). Registration of service compensation receivables is a collective bond in which claims for multiple insured persons are registered. Registration of transfer of rights. This registration is not mandatory and can be eliminated.

FIG. 6 is a functional block diagram showing the details of the overnight schedule 38 of the nursing care receivable purchase system 35. As a result of the eligibility determination of individual receivables taken in from the judgment device 37, reference numeral 62 of FIG. Stored in base 38. Data collected from the National Federation of National Health Insurance Federations as Obligors as a Debt Obligor was collected along with payments, for example, in storage media, transmission media, and networks. It is sent by media and paper media, etc., and is captured and stored in the database 38 as a record of the debt collection results. The data base 38 is provided with a means for individually assigning the accumulated credit collection performance data to the accumulated eligibility judgment result data and analyzing the contents of the collection. As the analysis means, for example, a computer system including a processor, a ROM, a RAM, and the like can be configured. This analysis includes, for example, the analysis of the collection rate of the receivables, the analysis of the reduction if the amount has been reduced, and the detailed analysis if the amount cannot be collected. The database 38 feeds back the analyzed data to the judging device 37 as shown in the arrow 7 4 (and the arrow 75 in FIG. 5) as an additional eligibility judgment data. I do. The feedback of the analysis results can further improve the accuracy of eligibility determination and increase the payment settlement ratio at the time of purchasing long-term care compensation claims. Preferably, this feedback is always provided as well as the accumulation of files 21 as a result of the qualification.

From database 38, the results of analysis of the results of the analysis to investors who have invested in businesses that engage in the I Information can also be disclosed through media, paper media, transmission media, and the like. Industrial applicability According to the present invention, the content inspection of collective receivables and the determination of eligibility for liquidation (transfer of receivables) are performed not only for individual receivables of collective receivables but also for the certainty of collection of the corresponding receivables. A decision is made by computer processing using the data to be proved, and the result data obtained by the decision is stored in a database, and a collection of the liquidated receivables collection data is made individually, Perform analysis and provide continuous feedback to the eligibility determination process to increase the certainty of debt collection, eliminate the need to submit supplementary collateral, and allow for early cashing to the utmost. be able to. INDUSTRIAL APPLICABILITY The present invention can be used in all fields where a loan assignor (original creditor) intends to liquidate collective receivables for the purpose of asset compression and early cashing. At the same time, the analysis results can be disclosed to investors, etc. as information on investment decisions on liquidation businesses. Furthermore, by eliminating the necessity of providing supplementary collateral other than the transfer of receivables, companies that do not have supplementary collateral, such as physical collateral, that could not previously benefit from liquidation Etc., and make it possible to liquidate collective receivables with the receivables transferor. Then, it is possible to increase the ratio of the transfer price received at the time of transfer of the receivables to the transferred receivables, and to make the liquidation of collective receivables as short as possible to the maximum. It will also avoid the risk of the transferee suffering an economic loss due to the inability to collect debts, thereby improving the efficiency of the collective debt securitization business.

The present invention may be embodied in various other forms without departing from its spirit or essential characteristics. Therefore, the above-described embodiment is merely an example in every aspect, and should not be construed as limiting. The scope of the present invention is defined by the appended claims, and is not restricted by the specification text. Furthermore, all modifications and changes belonging to the equivalent scope of the claims are within the scope of the present invention.

Claims

Scope

1. A method of purchasing collective receivables,

Import and store the individual claim data of the collective claims for which claims have been transferred from the claimant, data of inspection of claims, and data certifying the certainty of the claim collection using a storage medium, transmission medium, or network medium. Steps to

Determining the eligibility of the individual receivables to be subject to the transfer of receivables by means of a processing program, using the receivables inspection of the receivables and data proving the reliability of collection of the receivables;

A step of purchasing only the eligible receivables that have been qualified by the determination step and notifying the obligor of the transfer of the receivables;

A method of purchasing a collective loan, comprising:

2. The method according to claim 1, wherein

Accumulating in a database overnight the result data of the eligibility determination of each of the receivables obtained in the determination step;

Analyzing and assigning the accumulated results to the collection of the receivables;

A method comprising:

3. The method according to claim 2, further comprising a step of feedbacking an analysis result of the analysis step to an additional eligibility determination in the eligibility determination step. Features method.

4. In the collective loan purchase system, The individual claim data of the collective claims for which the claimant has applied for a claim transfer, the data of the claim inspection, and the data that proves the certainty of the claim collection must be stored on a storage medium, transmission medium, or network medium. Means for fetching and storing the individual claims, and a processor for judging the eligibility of the individual claim data for transfer of the claims using the contents inspection data of each claim and data proving the certainty of collection of each claim. A determination device having means;

A database for receiving and accumulating eligibility determination result data determined by the determination device, wherein the receivables determined to be eligible by the determination device are available for purchase. system.

5. The system of claim 4,

Means for receiving and accumulating debt collection result data from the obligor, and individually assigning the accumulated receivable collection result data to the accumulated eligibility judgment results, and collecting the data. Means for analyzing the content of the data, the data base is connected to the determination device so as to feed back the analyzed result data as additional eligibility determination data to the determination device.

A system characterized in that:

6. The system according to claim 5, wherein the analysis result data is output from the database to disclose analysis result information.

7. This is a method of purchasing care compensation receivables owned by home care service providers who provided services to insured persons based on the Nursing Care Insurance Law.

Request data for individual nursing care benefit expenses received from home care service providers to apply for care receivable receivables, benefits from insured persons and related home care support providers Capturing and storing the management form data by a storage medium, a transmission medium, or a network medium;

A step of judging the eligibility of the individual nursing care benefit claim data to be a transfer object of a nursing care receivable by a processing program using the insured person data and the benefit management slip data. When,

Purchasing only the qualified nursing care receivables for which eligibility has been determined in the determination step, and providing a notice of the transfer of the nursing care receivables to the National Health Insurance Federation, the obligor.

A method of purchasing a collective loan, comprising:

8. The method of claim 7, wherein:

Accumulating the result data of the eligibility judgment of each care-reward receivable obtained in the judgment step in a database; and storing the accumulated result data in the receivable from the National Health Insurance Federation, which is the obligor. Steps to assign and analyze actual collection data and

A method comprising:

9. The method according to claim 8, further comprising a step of feeding back an analysis result of the analysis step to be used as additional qualification data in the qualification step. .

10. The method according to any one of claims 7 to 9, wherein the home care service is provided to the insured person in connection with the care service provided by the home care service provider pertaining to the care compensation loan. Automatically registering the business operator's receivables in accordance with the format using the relevant insured data.

1 1. A home care service provider that provides services to insured persons based on the Nursing Care Insurance Law.

Remembers individual care payment cost claims, overnight insured persons, and payment management slips from home care support providers who received an application for the transfer of long-term care receivables from home care service providers. Means for capturing and storing the data through a medium, a transmission medium, or a network medium, and using the data of the individual care receivable receivables and the data of the care receivable receivables by using the data of each insured person and each benefit management slip data. A determination device having processor means for determining eligibility for performing

A database for receiving and accumulating eligibility determination result data determined by the determination device, wherein the nursing care receivables determined to be eligible by the determination device can be purchased. system.

1 2. In the system according to claim 11,

Means for receiving and accumulating debt collection performance data from the National Health Insurance Federation, which is the obligor, and storing the accumulated debt collection performance data, and storing the accumulated eligibility determination result data Means for analyzing the contents of the collection individually, and wherein the data pace is to feed back the analyzed result data to the judgment device as additional eligibility judgment data. A system connected to the determination device.

13. The system according to claim 11 or 12, wherein the home care service provider's claims associated with the care service provided by the home care service provider relating to the care compensation claim are provided. A system for registering the transfer of claims using the relevant insured persons.