TWI678673B - Timeliness control system of entitlement foreclosure and debt certificate - Google Patents
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Abstract
一種執行名義及債權憑證之時效控管系統包含一儲存模組、一偵測模組與一處理器單元。偵測模組用以偵測一債務對象是否被轉列一催收名單內。處理器單元電性連接偵測模組與儲存模組。當債務對象被轉列催收名單內時，處理器單元判斷是否取得債務對象所關聯的執行名義/債權憑證。當處理器單元判斷出已取得執行名義/債權憑證，處理器單元將所述之執行名義/債權憑證的消滅時效期間儲存至儲存模組內，且對此消滅時效期間進行時效控管。 An aging control system for executing nominal and debt certificates includes a storage module, a detection module and a processor unit. The detection module is used to detect whether a debt object is transferred to a collection list. The processor unit is electrically connected to the detection module and the storage module. When the debt object is transferred to the collection list, the processor unit determines whether to obtain the execution name / debt certificate associated with the debt object. When the processor unit determines that the execution nominal / debt certificate has been obtained, the processor unit stores the expiration limitation period of the execution nominal / debt certificate into the storage module, and performs aging control on the expiration limitation period.
Description
本發明有關於一種時效控管系統，尤指一種執行名義及債權憑證之時效控管系統。 The present invention relates to a time-limiting control system, and more particularly to a time-limiting control system for executing nominal and debt certificates.
按，所謂「執行名義」是指債權人據以聲請民事強制執行的依據，是表示私法上給付請求權存在及範圍如何的公文書。如此，有了執行名義，債權人才可以聲請強制執行，執行機關也才可以根據執行名義進行強制執行程序。所謂「債權憑證」是指債權人聲請強制執行，但未受清償或是未完全受償時，法院所核發記載原執行名義(不發還)、聲請執行對象、金額及執行受償情形的證明文件。也是執行名義的一種。 According to the press, the so-called "executive name" refers to the basis on which the creditor claims civil enforcement, and it is a public document indicating the existence and scope of the right to claim for payment in private law. In this way, with the execution name, the creditor can claim enforcement, and the enforcement agency can carry out the enforcement process according to the execution name. The so-called "credit certificate" refers to the certificate issued by the court that records the original execution name (not returned), the claim execution object, the amount, and the execution compensation situation when the creditor's claim is enforced but is not fully paid or not fully paid. It is also a form of implementation.
執行名義或債權憑證的消滅時效(statutes of limitations)是指請求權因一定期間不行使而消滅或效力減損的時效制度。再者，消滅時效之中斷，即時效期間進行中，因有消滅時效要素相反之事實發生，而使已進行之時效期間全歸無效，且其時效期間得予重行起算之。 The statutes of limitations for the execution of nominal or creditor's rights certificates refer to the statute of limitations system in which the right to claim is extinguished or its effectiveness is impaired due to a period of non-exercise. In addition, the interruption of the expiration of the limitation period is in progress, and due to the fact that the opposite elements of the limitation period have been eliminated, the limitation period that has been performed is completely invalidated, and the limitation period can be restarted.
然而，目前銀行業界皆以人工控管方式管理執行 名義或債權憑證的消滅時效，無法事前提醒其消滅時效即將到期，亦無法管控借戶轉列催收款項時有無取得執行名義，不僅浪費人力，也降低作業效率，而有待加以進一步改良。 However, at present, the banking industry manages and implements them manually. The expiration time limit of the nominal or debt certificate cannot be reminded in advance that the expiration time limit is about to expire, and it is impossible to control whether the borrower obtains the execution name when transferring the collections, which not only wastes manpower, but also reduces operating efficiency, and needs to be further improved.
本發明之一實施例提供了一種執行名義及債權憑證之時效控管系統包含一儲存模組、一偵測模組與一處理器單元。偵測模組用以偵測一債務對象是否被轉列一催收名單內。處理器單元電性連接偵測模組與儲存模組。故，當債務對象被轉列催收名單內時，處理器單元判斷是否已取得債務對象所關聯的執行名義、債權憑證或二者皆是。當處理器單元判斷出債務對象具有執行名義、債權憑證或二者皆是，處理器單元將債務對象所關聯的執行名義、債權憑證或二者皆是的消滅時效期間儲存至儲存模組內，且對此消滅時效期間進行時效控管。 An embodiment of the present invention provides a time-lapse control system for executing nominal and debt certificates, which includes a storage module, a detection module, and a processor unit. The detection module is used to detect whether a debt object is transferred to a collection list. The processor unit is electrically connected to the detection module and the storage module. Therefore, when the debt object is transferred to the collection list, the processor unit determines whether the execution name, the debt certificate, or both associated with the debt object have been obtained. When the processor unit determines that the debt object has an execution name, a claim, or both, the processor unit stores the expiration period of the associated debt object with the execution name, the claim, or both in the storage module. In addition, the aging control shall be performed during the eradication aging period.
依據本發明一或複數個實施例，上述之執行名義及債權憑證之時效控管系統更包含一顯示模組。顯示模組電性連接處理器單元。故，當偵測模組偵測出債務對象被轉列催收名單內時，處理器單元使顯示模組顯示債務對象所關聯的資料。 According to one or more embodiments of the present invention, the above-mentioned time limit control system for executing nominal and debt certificates further includes a display module. The display module is electrically connected to the processor unit. Therefore, when the detection module detects that the debt object is transferred to the collection list, the processor unit causes the display module to display the data associated with the debt object.
依據本發明一或複數個實施例，上述之執行名義及債權憑證之時效控管系統更包含一建檔模組。建檔模組電性連接偵測模組、儲存模組與處理器單元。故，當處理器單元接收一建檔指令，處理器單元使建檔模組將債務對象所關聯的執行名義、債權憑證或二者皆是進行建檔。 According to one or more embodiments of the present invention, the above-mentioned time limit control system for executing nominal and debt certificates further includes a file creation module. The archiving module is electrically connected to the detection module, the storage module and the processor unit. Therefore, when the processor unit receives a file-building instruction, the processor unit causes the file-building module to file the execution name, debt certificate, or both associated with the debt object.
依據本發明一或複數個實施例，上述之執行名義及債權憑證之時效控管系統更包含一報表輸出模組。報表輸出模組電性連接儲存模組與處理器單元。故，當處理器單元判斷出消滅時效期間已結束或者即將結束時，處理器單元使報表輸出模組輸出一報表，報表內至少記載有債務對象所關聯的執行名義、債權憑證或二者皆是。 According to one or more embodiments of the present invention, the above-mentioned time limit control system for executing nominal and debt certificates further includes a report output module. The report output module is electrically connected to the storage module and the processor unit. Therefore, when the processor unit determines that the expiration period has expired or is about to end, the processor unit causes the report output module to output a report, which at least records the execution name, debt certificate, or both associated with the debt object. .
依據本發明一或複數個實施例，上述之執行名義及債權憑證之時效控管系統更包含一訊息警示模組。訊息警示模組電性連接儲存模組與處理器單元。故，當處理器單元判斷出消滅時效期間已結束或者即將結束時，處理器單元使訊息警示模組發出一警示訊息。 According to one or more embodiments of the present invention, the above-mentioned time limit control system for executing nominal and debt certificates further includes a message warning module. The message warning module is electrically connected to the storage module and the processor unit. Therefore, when the processor unit determines that the expiration period has expired or is about to end, the processor unit causes the message alarm module to issue a warning message.
依據本發明一或複數個實施例，上述之執行名義及債權憑證之時效控管系統更包含一計時模組。計時模組電性連接處理器單元，用以計算債務對象所關聯的執行名義、債權憑證或二者皆是的時效完成日期與當日之系統日期之差值。處理器單元透過差值與一預設值之比較，判斷消滅時效期間是否已結束或者即將結束。 According to one or more embodiments of the present invention, the above-mentioned time limit control system for executing nominal and debt certificates further includes a timing module. The timing module is electrically connected to the processor unit, and is used to calculate the difference between the execution name, debt certificate, or both of the limitation completion date and the system date of the day. The processor unit compares the difference with a preset value to determine whether the expiration aging period has ended or is about to end.
依據本發明一或複數個實施例，上述之執行名義及債權憑證之時效控管系統更包含一計時模組。計時模組電性連接偵測模組，用以計算債務對象之一還款期限與一系統日期之差值。故，當差值為負值，偵測模組偵測出債務對象被轉列催收名單內。 According to one or more embodiments of the present invention, the above-mentioned time limit control system for executing nominal and debt certificates further includes a timing module. The timing module is electrically connected to the detection module and is used to calculate the difference between the repayment term of a debt object and a system date. Therefore, when the difference is negative, the detection module detects that the debt object is transferred to the collection list.
依據本發明一或複數個實施例，上述之執行名義及債權憑證之時效控管系統更包含一計時模組。計時模組電性 連接偵測模組，用以透過一時效中斷日計算債務對象所關聯的執行名義、債權憑證或二者皆是的最新消滅時效期間。 According to one or more embodiments of the present invention, the above-mentioned time limit control system for executing nominal and debt certificates further includes a timing module. Timing module electrical The connection detection module is used to calculate the latest expiration limitation period associated with the debt object through the limitation period of the limitation date.
依據本發明一或複數個實施例，上述之執行名義及債權憑證之時效控管系統更包含一外借控管模組。外借控管模組電性連接處理器單元，用以標記債務對象所關聯的執行名義、債權憑證或二者皆是的正本的外借與歸還紀錄。故，當外借控管模組標記債務對象所關聯的執行名義、債權憑證或二者皆是的正本為外借時，處理器單元禁止任何對債務對象所關聯的執行名義、債權憑證或二者皆是的資料修改。反之，當外借控管模組標記債務對象所關聯的執行名義、債權憑證及二者皆是的正本為歸還時，處理器單元准許對債務對象所關聯的執行名義、債權憑證及二者皆是的正本的資料修改。 According to one or more embodiments of the present invention, the above-mentioned time limit control system for executing nominal and debt certificates further includes a foreign loan control module. The loan control module is electrically connected to the processor unit, and is used to mark the loan and return records of the execution name, debt certificate, or both of the originals associated with the debtor. Therefore, when the lending control module marks the execution name, debt certificate or both of the originals associated with the debt object as foreign loans, the processor unit prohibits any execution name, debt certificate or Everyone modifies the data. Conversely, when the loan control module marks the execution name, debt certificate and both originals associated with the debt object as return, the processor unit allows the execution name, debt certificate and both related to the debt object to be returned. Yes, the original document is revised.
如此，藉由上述實施例之架構，由於時效控管系統能夠管控借戶轉列催收款項時有無取得執行名義，更能夠事前提醒其消滅時效即將到期，不僅節省人力，也能夠提高整體之作業效率。 In this way, with the structure of the above-mentioned embodiment, since the time limit control system can control whether the borrower obtains the execution name when transferring the collections, it can also remind it in advance that the time limit will expire, which not only saves manpower, but also improves the overall operation. effectiveness.
此外，上述實施例也得以避免以人工備查簿方式控管債權憑證，不致因疏忽遺漏債務對象所關聯的執行名義、債權憑證及二者皆是的消滅時效期間而損及債權對象之權益。 In addition, the above-mentioned embodiment can also avoid the manual control of bookkeeping documents to prevent the debtor's rights and interests from being neglected due to the negligent omission of the execution name, the debtor's certificate, and the expiration period.
以上所述僅係用以闡述本發明所欲解決的問題、解決問題的技術手段、及其產生的功效等等，本發明之具體細節將在下文的實施例及相關圖式中詳細介紹。 The above is only used to explain the problem to be solved by the present invention, the technical means for solving the problem, and the effects produced by it, etc. The specific details of the present invention will be described in detail in the following embodiments and related drawings.
100、101、102‧‧‧時效控管系統 100, 101, 102‧‧‧ aging control system
110‧‧‧儲存模組 110‧‧‧Storage Module
120‧‧‧偵測模組 120‧‧‧ Detection Module
130‧‧‧處理器單元 130‧‧‧ processor unit
140‧‧‧顯示模組 140‧‧‧Display Module
150‧‧‧建檔模組 150‧‧‧archiving module
160‧‧‧報表輸出模組 160‧‧‧Report output module
170‧‧‧計時模組 170‧‧‧ timing module
180‧‧‧訊息警示模組 180‧‧‧Message Alert Module
190‧‧‧外借控管模組 190‧‧‧Lending Control Module
為讓本發明之上述和其他目的、特徵、優點與實施例能更明顯易懂，所附圖式之說明如下：第1圖繪示依據本發明一實施例之執行名義及債權憑證之時效控管系統的方塊圖；第2圖繪示依據本發明一實施例之執行名義及債權憑證之時效控管系統的方塊圖；以及第3圖繪示依據本發明一實施例之執行名義及債權憑證之時效控管系統的方塊圖。 In order to make the above and other objects, features, advantages, and embodiments of the present invention more comprehensible, the description of the drawings is as follows: FIG. 1 shows the time-effective control of the execution of the nominal and debt certificates according to an embodiment of the present invention. A block diagram of a management system; FIG. 2 shows a block diagram of a time-effective control system for executing nominal and debt certificates according to an embodiment of the present invention; and FIG. 3 shows a performing nominal and debt certificate according to an embodiment of the present invention Block diagram of the time control system.
以下將以圖式揭露本發明之複數個實施例，為明確說明起見，許多實務上的細節將在以下敘述中一併說明。然而，應瞭解到，這些實務上的細節不應用以限制本發明。也就是說，在本發明實施例中，這些實務上的細節是非必要的。此外，為簡化圖式起見，一些習知慣用的結構與元件在圖式中將以簡單示意的方式繪示之。 In the following, a plurality of embodiments of the present invention will be disclosed graphically. For the sake of clear description, many practical details will be described in the following description. It should be understood, however, that these practical details should not be used to limit the invention. That is, in the embodiment of the present invention, these practical details are unnecessary. In addition, in order to simplify the drawings, some conventional structures and components will be shown in the drawings in a simple and schematic manner.
第1圖繪示依據本發明一實施例之執行名義及債權憑證之時效控管系統100的方塊圖。如第1圖所示，執行名義及債權憑證之時效控管系統100包含一儲存模組110、一偵測模組120與一處理器單元130。偵測模組120用以偵測任何債務對象是否被轉列一催收名單內。債務對象例如為債務人或保證人。處理器單元130電性連接偵測模組120與儲存模組110。故，當至少其中一債務對象被轉列催收名單內時，處理器單元130判斷是否取得債務對象所關聯的執行名義、債權憑證或二 者皆是。當處理器單元130判斷出已取得債務對象所關聯的執行名義、債權憑證或二者皆是，處理器單元130將此債務對象所關聯的執行名義、債權憑證或二者皆是的消滅時效期間儲存至儲存模組110內，且對此消滅時效期間進行時效控管。 FIG. 1 is a block diagram of a time-control management system 100 for executing nominal and debt certificates according to an embodiment of the present invention. As shown in FIG. 1, the aging control system 100 for executing nominal and debt certificates includes a storage module 110, a detection module 120, and a processor unit 130. The detection module 120 is used to detect whether any debt object is transferred to a collection list. The debt object is, for example, a debtor or a guarantor. The processor unit 130 is electrically connected to the detection module 120 and the storage module 110. Therefore, when at least one of the debt objects is transferred to the collection list, the processor unit 130 determines whether to obtain the execution name, debt certificate or Everyone is. When the processor unit 130 determines that the execution name, debt certificate, or both associated with the debt object have been obtained, the processor unit 130 has an expiration limitation period associated with the execution name, debt certificate, or both associated with the debt object It is stored in the storage module 110, and the aging control is performed during the aging period.
如此，一旦債務對象被轉列催收款項，上述時效控管系統100便可立即對債務對象是否有申請執行名義或債權憑證加以控管，以便債權對象盡快對債務對象申請執行名義或債權憑證，以確保債其務權益；或者，對於已對債務對象申請執行名義或債權憑證者，上述時效控管系統100得以對債務對象所關聯的執行名義與債權憑證的消滅時效期間進行時效控管，以便事前提醒其消滅時效即將到期，如此，不僅節省人力，也能夠提高整體之作業效率。 In this way, once the debtee is reclassified for collection, the above-mentioned limitation control system 100 can immediately control whether the debtor has applied for execution of the nominal or debt certificate, so that the debtor can apply for the execution of the nominal or debt certificate as soon as possible. To ensure the rights and interests of the debtor; or, for those who have applied for the execution of the nominal or claims of the debtor, the above-mentioned limitation control system 100 can perform the limitation of the execution of the associated name of the debtor and the expiration of the claim It reminds them that the expiration date is about to expire. In this way, it not only saves manpower, but also improves overall operating efficiency.
舉例來說，儲存模組110為唯讀記憶體、快閃記憶體、軟碟、硬碟、光碟、隨身碟、磁帶或其他類似硬體電路。處理器單元130為中央處理器單元130、單晶片裝置或其他類似硬體電路。偵測模組120為晶片裝置或其他類似硬體電路，或者，偵測模組120為整合至處理器單元130內之其他韌體，或者，偵測模組120為軟體程式，然而，本發明不限儲存模組110、偵測模組120與處理器單元130必須只為以上所述種類。 For example, the storage module 110 is a read-only memory, a flash memory, a floppy disk, a hard disk, an optical disk, a flash drive, a magnetic tape, or other similar hardware circuits. The processor unit 130 is a central processing unit 130, a single-chip device, or other similar hardware circuits. The detection module 120 is a chip device or other similar hardware circuit, or the detection module 120 is other firmware integrated into the processor unit 130, or the detection module 120 is a software program, however, the present invention The storage module 110, the detection module 120, and the processor unit 130 are not limited to the types described above.
更具體地，在本實施例中，時效控管系統100更包含一顯示模組140。顯示模組140電性連接處理器單元130。舉例來說，顯示模組140為顯示螢幕。一旦偵測模組120偵測出債務對象被轉列催收名單內時，處理器單元130便檢索出這些債務對象所關聯的資料，並要求顯示模組140顯示債務對象所 關聯的資料。如此，使用者便可從顯示模組140看到這些被轉列催收名單內的債務對象是否已取得債務對象所關聯的執行名義、債權憑證或二者皆是，以及這些執行名義、債權憑證或二者皆是是否被建檔；若否，使用者可從顯示模組140看到未被建檔的件數。 More specifically, in this embodiment, the aging control system 100 further includes a display module 140. The display module 140 is electrically connected to the processor unit 130. For example, the display module 140 is a display screen. Once the detection module 120 detects that the debt objects are transferred to the collection list, the processor unit 130 retrieves the data associated with these debt objects and requests the display module 140 to display the debt objects. Associated Information. In this way, the user can see from the display module 140 whether these debtees in the transferred collection list have obtained the execution name, creditor's certificate, or both associated with the debtor, and whether these execution names, debtor's certificates, or Both are filed; if not, the user can see the number of unfiled files from the display module 140.
此外，在本實施例中，時效控管系統100更包含一建檔模組150。建檔模組150電性連接偵測模組120、儲存模組110與處理器單元130。建檔模組150用以將債務對象所關聯的執行名義、債權憑證或二者皆是進行建檔。故，透過顯示模組140上述之顯示，使用者便可決定對這些債務對象中未被建檔者進行建檔，若同一帳號之債務對象有多張執行名義/債權憑證者，應分別建檔。當處理器單元130接收使用者之建檔指令，處理器單元130便要求建檔模組150將這些債務對象所關聯的執行名義、債權憑證或二者皆是進行建檔。舉例來說，建檔模組150為晶片裝置或其他類似硬體電路，或者，建檔模組150為整合至處理器單元130內之其他韌體，或者，建檔模組150為軟體程式，然而，本發明不限建檔模組150必須只為以上所述種類。 In addition, in this embodiment, the aging control system 100 further includes a file creation module 150. The archiving module 150 is electrically connected to the detection module 120, the storage module 110 and the processor unit 130. The archiving module 150 is used for archiving the execution name, debt certificate, or both associated with the debt object. Therefore, through the above display of the display module 140, the user can decide to archive those debtees who have not been archived. If there are multiple debtees in the same account who execute the nominal / debt certificate, they should create separate archives. . When the processor unit 130 receives the user's file creation instruction, the processor unit 130 requests the file creation module 150 to archive the execution name, debt certificate, or both associated with these debt objects. For example, the archive module 150 is a chip device or other similar hardware circuit, or the archive module 150 is other firmware integrated into the processor unit 130, or the archive module 150 is a software program, However, the present invention does not limit the file-building module 150 to only the types described above.
時效控管系統100更包含一報表輸出模組160。報表輸出模組160電性連接儲存模組110與處理器單元130。故，當處理器單元130判斷出上述之消滅時效期間已結束或者即將結束時，處理器單元130使報表輸出模組160輸出一報表，報表內至少記載有債務對象所關聯的執行名義、債權憑證或二者皆是。舉例來說，報表輸出模組160為晶片裝置或其他類似硬 體電路，或者，報表輸出模組160為整合至處理器單元130內之其他韌體，或者，報表輸出模組160為軟體程式，然而，本發明不限報表輸出模組160必須只為以上所述種類。 The aging control system 100 further includes a report output module 160. The report output module 160 is electrically connected to the storage module 110 and the processor unit 130. Therefore, when the processor unit 130 determines that the above expiration period has expired or is about to end, the processor unit 130 causes the report output module 160 to output a report, which at least records the execution name and debt certificate associated with the debt object. Or both. For example, the report output module 160 is a chip device or other similar hardware. The body output circuit, or the report output module 160 is other firmware integrated into the processor unit 130, or the report output module 160 is a software program, however, the present invention does not limit the report output module 160 to only the above. Mentioned species.
更具體地，時效控管系統100更包含一計時模組170。計時模組170電性連接偵測模組120，用以計算債務對象之一還款期限與一系統日期之差值。故，當差值為負值，偵測模組120偵測出債務對象被轉列催收名單內。 More specifically, the aging control system 100 further includes a timing module 170. The timing module 170 is electrically connected to the detection module 120 to calculate a difference between a repayment term of a debt object and a system date. Therefore, when the difference is negative, the detection module 120 detects that the debt object is transferred to the collection list.
此外，計時模組170還電性連接處理器單元130，用以計算債務對象所關聯的執行名義、債權憑證或二者皆是的時效完成日期與當日之系統日期之差值。處理器單元130透過差值與一預設值之比較，判斷上述之消滅時效期間是否已結束或者即將結束。舉例來說，當預設值設定為零，且差值小於等於預設值時，意即，時效完成日期>=當日之系統日期，處理器單元130則判斷上述之消滅時效期間已結束。接著，處理器單元130依需求或設定可以要求顯示模組140顯示上述之消滅時效期間已結束的訊息，以提醒盡快申請消滅時效期間之中斷。 In addition, the timing module 170 is also electrically connected to the processor unit 130 to calculate the difference between the execution name associated with the debt object, the creditor's certificate, or both the limitation completion date and the system date of that day. The processor unit 130 compares the difference value with a preset value to determine whether the above-mentioned expiration aging period has ended or is about to end. For example, when the preset value is set to zero and the difference is less than or equal to the preset value, that is, the aging completion date is greater than or equal to the system date of the current day, the processor unit 130 determines that the foregoing aging limitation period has ended. Then, the processor unit 130 may request the display module 140 to display the above-mentioned expiration period expiration message according to requirements or settings, so as to remind to apply for the interruption of expiration period as soon as possible.
反之，當差值大於等於預設值時，且預設值設定為6個月或7~12個月，處理器單元130判斷上述之消滅時效期間將於6個月或7~12個月後即將結束。接著，處理器單元130依需求或設定可以要求顯示模組140顯示上述之消滅時效期間將於6個月或7~12個月後即將結束的訊息，以提醒盡快申請消滅時效期間之中斷。 Conversely, when the difference is greater than or equal to a preset value, and the preset value is set to 6 months or 7 to 12 months, the processor unit 130 determines that the above-mentioned expiration period will be 6 months or 7 to 12 months later. Coming to an end. Then, the processor unit 130 may request the display module 140 to display the message that the expiration period will end soon after 6 months or 7 to 12 months as required or set, so as to remind to apply for the interruption of the expiration period as soon as possible.
舉例來說，銀行一般債權之消滅時效期間、票據 權利之消滅時效及本票以消費借貸請求之時效期間，分述如下：(一)一般債權之消滅時效期間：1.借款本金償還請求權：15年。2.利息給付請求權：5年。(二)票據權利之消滅時效期間：1.本票：3年。2.支票：1年。(三)本票以消費借貸請求之時效期間：5年。 For example, the expiration period of bank general claims, bills The expiration limitation period of the right and the limitation period of the promissory note to the consumption loan request are described as follows: (1) Expiration limitation period of the general creditor's right: 1. The right to claim the loan principal: 15 years. 2. Claim for interest payment: 5 years. (2) Elimination period of bill rights: 1. Promissory note: 3 years. 2. Check: 1 year. (3) Limitation period of promissory note based on consumer loan request: 5 years.
此外，當消滅時效期間之中斷已取得申請時，透過時效控管系統100可以再次提供此債務對象所關聯的執行名義、債權憑證或二者皆是的。具體來說，計時模組170用以透過一時效中斷日計算債務對象所關聯的執行名義、債權憑證或二者皆是的最新消滅時效期間。 In addition, when the application for eliminating the interruption of the limitation period has been obtained, the limitation control system 100 can again provide the execution name, creditor's certificate, or both associated with this debt object. Specifically, the timing module 170 is used to calculate the latest expiration limitation period associated with the debt object through the limitation period of the limitation date, the execution name associated with the debt object, or the debt certificate.
舉例來說，以支票票款請求法院發支付命令經確定者，其消滅時效中斷後，重行起算之請求權時效期間為1年。以本票票款請求法院發支付命令經確定者，其消滅時效中斷後，重行起算之請求權時效期間為3年。以借據借款請求法院發支付命令經確定者，其消滅時效中斷後，重行起算之請求權時效期間為5年。 For example, a person who asks the court to issue a payment order by cheque is determined. After the expiration of the limitation period, the limitation period for the reinstatement of the right of claim is 1 year. For those who request the court to issue a payment order based on the promissory note, after the expiration of the expiration of the limitation period, the limitation period for the reinstatement of the right of claim shall be 3 years. If the borrower has requested the court to issue a payment order and the payment order has been determined, the limitation period for the reinstatement after the expiration of the limitation period is 5 years.
舉例來說，上述計時模組170為晶片裝置或其他類似硬體電路，或者，計時模組170為整合至處理器單元130內之其他韌體，或者，計時模組170為軟體程式，然而，本發明不限計時模組170必須只為以上所述種類。 For example, the timing module 170 is a chip device or other similar hardware circuit, or the timing module 170 is other firmware integrated into the processor unit 130, or the timing module 170 is a software program, however, The timing module 170 of the present invention is not limited to the types described above.
第2圖繪示依據本發明一實施例之執行名義及債權憑證之時效控管系統101的方塊圖。如第2圖所示，第2圖之時效控管系統101與第1圖之時效控管系統100大致相同，相同的部件沿用相同的符號，第2圖之時效控管系統101與第1圖之 時效控管系統100之差別在於：第2圖之時效控管系統101更包含一訊息警示模組180。訊息警示模組180電性連接儲存模組110與處理器單元130。故，當處理器單元130判斷出消滅時效期間已結束或者即將結束時，處理器單元130使訊息警示模組180發出一警示訊息。舉例來說，訊息警示模組180為揚聲器。一旦處理器單元130判斷出任一債務對象所關聯的執行名義、債權憑證或二者皆是的消滅時效期間已結束或者即將結束時，處理器單元130要求訊息警示模組180發出一警示訊息，以吸引使用者的注意。如此，使用者便可從顯示模組140看到這些被轉列催收名單內的債務對象所關聯的執行名義、債權憑證或二者皆是的消滅時效期間已結束或者即將結束。 FIG. 2 is a block diagram of a time-effective control system 101 for executing nominal and debt certificates according to an embodiment of the present invention. As shown in FIG. 2, the aging control system 101 in FIG. 2 is substantially the same as the aging control system 100 in FIG. 1, and the same components use the same symbols. The aging control system 101 in FIG. 2 and FIG. 1 Of The difference between the aging control system 100 is that the aging control system 101 in FIG. 2 further includes a message warning module 180. The message warning module 180 is electrically connected to the storage module 110 and the processor unit 130. Therefore, when the processor unit 130 determines that the expiration period has expired or is about to end, the processor unit 130 causes the message alert module 180 to issue a warning message. For example, the message alert module 180 is a speaker. Once the processor unit 130 determines that the expiration period or expiration period associated with any debt object has expired or is about to end, the processor unit 130 requests the message alert module 180 to issue a warning message to Get users ’attention. In this way, the user can see from the display module 140 that the expiration limitation period associated with the debt objects in the delisted debt collection list has expired or is about to end.
第3圖繪示依據本發明一實施例之執行名義及債權憑證之時效控管系統102的方塊圖。如第3圖所示，第3圖之時效控管系統102與第1圖之時效控管系統100大致相同，相同的部件沿用相同的符號，第3圖之時效控管系統102與第1圖之時效控管系統100之差別在於：第3圖之時效控管系統102更包含一外借控管模組190。外借控管模組190電性連接處理器單元130，用以標記債務對象所關聯的執行名義、債權憑證或二者皆是的正本的外借與歸還紀錄。 FIG. 3 is a block diagram of the time-effective control system 102 for executing nominal and debt certificates according to an embodiment of the present invention. As shown in FIG. 3, the aging control system 102 in FIG. 3 is substantially the same as the aging control system 100 in FIG. 1, and the same components use the same symbols. The aging control system 102 in FIG. 3 and FIG. 1 The difference between the aging control system 100 is that the aging control system 102 in FIG. 3 further includes a loan control module 190. The loan control module 190 is electrically connected to the processor unit 130 and is used to mark the loan and return records of the execution name, the debt certificate, or both of the originals associated with the debt object.
故，當外借控管模組190標記債務對象所關聯的執行名義、債權憑證或二者皆是的正本為外借時，處理器單元130禁止任何對債務對象所關聯的執行名義、債權憑證或二者皆是的資料修改。反之，當外借控管模組190標記債務對象所關聯的執行名義、債權憑證及二者皆是的正本為歸還時，處理器單 元130准許對債務對象所關聯的執行名義、債權憑證及二者皆是的正本的資料修改。 Therefore, when the lending control module 190 marks the execution name, creditor's certificate or both of the originals associated with the debt object as foreign loans, the processor unit 130 prohibits any execution name, creditor's certificate related to the debt object. Or both. Conversely, when the foreign loan control module 190 marks the execution name, debt certificate, and both originals associated with the debt object as return, the processor orders Yuan 130 allows the modification of the data relating to the execution name, creditor's certificate and both of the originals associated with the debtor.
舉例來說，上述外借控管模組190為晶片裝置或其他類似硬體電路，或者，外借控管模組190為整合至處理器單元130內之其他韌體，或者，外借控管模組190為軟體程式，然而，本發明不限外借控管模組190必須只為以上所述種類。 For example, the loan control module 190 is a chip device or other similar hardware circuit, or the loan control module 190 is other firmware integrated into the processor unit 130, or the loan control module The module 190 is a software program. However, the present invention does not limit the borrowing control module 190 to only the types described above.
如此，藉由上述實施例之架構，由於時效控管系統100能夠管控借戶轉列催收款項時有無取得執行名義，更能夠事前提醒其消滅時效即將到期，不僅節省人力，也能夠提高整體之作業效率。此外，上述實施例也得以避免以人工備查簿方式控管債權憑證，不致因疏忽遺漏債務對象所關聯的執行名義、債權憑證及二者皆是的消滅時效期間而損及債權對象之權益。 In this way, with the structure of the above embodiment, since the time limit control system 100 can control whether the borrower transfers the collection of money to obtain the execution name, it can also remind it in advance that the expiration of the time limit is about to expire, which not only saves manpower, but also improves the overall Operational efficiency. In addition, the above-mentioned embodiment can also avoid the manual control of bookkeeping documents to prevent the debtor's rights and interests from being neglected due to the negligent omission of the execution name, the debtor's certificate, and the expiration period.
最後，上述所揭露之各實施例中，並非用以限定本發明，任何熟習此技藝者，在不脫離本發明之精神和範圍內，當可作各種之更動與潤飾，皆可被保護於本發明中。因此本發明之保護範圍當視後附之申請專利範圍所界定者為準。 Finally, the embodiments disclosed above are not intended to limit the present invention. Any person skilled in the art can make various modifications and retouches without departing from the spirit and scope of the present invention. Invented. Therefore, the protection scope of the present invention shall be determined by the scope of the appended patent application.
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