JP4189976B2 - Rent guarantee processing device, method and computer program - Google Patents

Description

  The present invention relates to a technology capable of examining whether or not a borrower can rent a rental property on the spot for real estate leasing, and easily performing a rental contract procedure.

When renting real estate, a guarantor is required to secure the borrower's ability to pay rent at the time of the lease contract.
In this case, depending on the tenant, there may be no person who can ask for a guarantor in the immediate vicinity, or the guarantor is far away, and the procedure may take time. When such guarantor procedures are difficult, a so-called institutional guarantee is made in which a contract is made with a guarantee company (guarantee company) and this guarantee company becomes the guarantor of the borrower. In this way, even if it is difficult for the borrower to request a guarantor himself, the guarantor can be a guarantor, and the borrower can conclude a lease contract for real estate.

In such a case, the guarantee company needs to investigate the borrower's ability to pay and make an accurate decision as to whether or not the guarantee can be made.
For this purpose, a server computer having a credit information database including a history of payment status of real estate rents and a network connection with the server computer based on the identification information of the target person, the credit of the target person is obtained from the database. There has been proposed a credit information retrieval system including an operation computer for extracting information and information processing means for converting credit information including a history of payment status into rank data by ranking (see, for example, Patent Document 1). ). According to this mechanism, credit information including the history of payment status and credit information including grade data without including the history of payment status can be extracted from the operation computer. You can investigate the ability to pay.

  In addition, when a credit sales company becomes a guarantor necessary for a real estate lease contract of a borrower, a guarantee company different from the credit sales company guarantees the tenant to the credit sales company, and at this time, the credit sales management of the credit sales company A system has been proposed that enables efficient processing between the credit sales management device and the tenant warranty management device by setting a guarantee code in common between the ledger and the guarantee management ledger of the guarantee company and having a link relationship. (For example, see the prior patent document 2).

JP-A-2005-352533 JP 2005-173773 A

  However, in the conventional technology as described above, since a credit sales company conducts a credit check of the borrower, it takes time and expense, and immediately checks the credit of the borrower's payment ability etc. and makes a contract on the spot. There was a problem that I could not. In particular, when a credit sales company conducts a credit check, it usually takes about 3 to 4 days, and during that time, the borrower cannot conclude a rental contract, and the real estate agent cannot conclude a contract in the meantime. There was also a problem of missing the opportunity.

  Also, the borrower did not know at all whether it would be possible to rent a property at a real estate agent on a street corner, etc., with his own payment ability. For this reason, you must first go to a real estate agent to apply for a rental contract, and after you conduct a credit check, you will know whether you can make a rental contract for the first time. I couldn't know if I could borrow it.

  In addition, when a guarantee company provides a guarantee, it is necessary to create a guarantee contract for that purpose, a lease contract and an important matter manual, etc., which takes a lot of time and makes the paperwork complicated. There was a problem of becoming.

  The present invention has been made in order to solve the above-described problems, and whether or not the borrower has the ability to pay on the spot when looking at the property information without looking for the guarantor himself. It is an object to provide a mechanism for confirming whether or not a desired property can be rented.

In order to achieve the above object, a rent guarantee processing apparatus according to one aspect of the present invention has a credit card company center that performs credit card authentication and settlement processing, and handles real estate rental properties and possesses real estate rental property information. A real estate agent's store terminal and a mobile phone terminal that reads and decodes a two-dimensional barcode including website information for institution guarantee held by a borrower who wants to rent the real estate property are configured to communicate with each other, and the real estate agent Confirmation of whether the borrower is eligible for institutional guarantee prior to the contract for the real estate rental property based on the application from the mobile phone terminal that reads the two-dimensional bar code described in the property information advertisement or advertisement flyer posted at This is a processing device that stores the database of the information of the borrower who applied for an institutional guarantee when concluding a lease agreement. A borrower information storage means, a property code for identifying each real estate rental property owned by each real estate agent at the store terminal of the real estate agent, and property information having at least the property name, room number, and rent, Property information storage means for storing the database in association with each other, real estate agent information storage means for storing in advance at least a store number and person-in-charge information for each real estate agent as information for identifying the real estate agent, and each processing means Temporary storage means for temporarily storing as necessary, access request receiving means for receiving an access request transmitted for pre-examination from the mobile phone terminal that has read the two-dimensional barcode, and the access request receiving means After confirming receipt by, use to send display screen data of pre-examination usage confirmation items to the above mobile phone terminal An acceptance request means, a usage confirmation receiving means for receiving the usage confirmation item input data input and transmitted by the mobile phone terminal based on the display screen of the usage confirmation item, and after receiving confirmation by the usage confirmation receiving unit, Store number request means for transmitting store number input screen data to the mobile phone terminal, and the store number described in the advertisement or the like by the mobile phone terminal based on the screen transmitted by the store number request means. The store number input unit that receives the input and transmitted store number input data, stores the received store number data in the temporary storage unit, and after the reception confirmation by the store number reception unit, the mobile phone terminal, At least the customer name, contract years, rent, credit card number, expiry date, etc. A personal information request means for transmitting data, and an individual for receiving the borrower information and credit card information data input by the mobile phone terminal based on the input request screen and storing the received data in the temporary storage means Based on the rent information of the rental property acquired by the information reception means and the personal information reception means, the guarantee amount when performing the institutional guarantee for the rental property is calculated with the prescribed percentage of the rent as the guarantee amount. A guarantee amount calculating means for storing the guarantee amount in the temporary storage means, and referring to the temporary storage means to obtain the calculated guarantee amount, the borrower information and the credit card information, and at least the contract year, the rent, An application confirmation requester that generates an application confirmation screen that extracts information with the expiration date and guaranteed amount and sends the application confirmation screen data to the mobile phone terminal. And receiving the application confirmed data from the mobile phone terminal for the transmitted application confirmation screen, and the data that is the data under the received application confirmed data and stored in the one storage means as application acceptance information An application confirmation receiving means that stores a temporary registration flag in the borrower information storage means, and the credit card information of the borrower and the guaranteed amount of the data received by the application confirmation receiving means are sent to the center of the credit card company. An authentication request means to be transmitted to and an approval result notification from the center of the credit card company for the authentication request, and whether or not the result notification is a notification that the credit card can be settled is determined. If the authentication acceptance determination means determines that the result of the determination is a notification that the notification result is settled, Issuing an identification number for identifying the reception information, referring to the borrower information storage means, canceling the temporary registration flag attached to the application reception information, and associating with the identification number as the main registration Guarantee contract information processing means stored in the borrower information storage means, the identification number, approval information notification means for transmitting notification that the institution guarantee is possible to the mobile phone terminal, and the store terminal from the above When the identification number is accepted, the borrower information storage means is referred to extract the borrower information stored in association with the identification number, enter it in the corresponding item of the contract application information screen, and the contract application information screen data The generation information for generating, and the contract information for transmitting the contract application information screen data generated by the generation means to the store terminal and requesting input of the contract application information to the empty item. When the property code is received from the information confirmation requesting means and the store terminal, the property information associated with the property code is extracted with reference to the property information storage means, and the property information is displayed on the contract application information screen. The property information processing means for inputting in the corresponding item, the contract information confirmation accepting means for judging whether or not the input application confirmed contract application information screen data has been received from the store terminal, and after the receipt confirmation by the contract information confirmation accepting means, A payment request means for requesting the credit card company center for a payment process for the guaranteed amount in the credit card; a payment acceptance means for receiving a payment completion notice from the credit card company center for the payment request; and When the settlement completion notice is received, the real estate property is stored based on the borrower information stored in the borrower information storage means. A document creation means for generating contract data necessary for loan contract, characterized by having a a contract notifying means for transmitting contract data created above with respect to the shop terminal.

A blacklist of borrowers with a history of at least one of past rent arrears, forced evictions, and credit card non-settlement, and information including at least name, reading, date of birth, and credit card number is stored in a database The black list storage means and the credit card information received by the personal information reception means are referred to the black list storage means, and the customer name and credit card number of the credit card information are stored in the black list storage means. And a black list discriminating means for discriminating whether the black list information corresponds to the name and reading of the black list information, date of birth, credit card number, and the approval request means by the black list discriminating means. If the result is not applicable, And the borrower's credit card information, and the guarantee amount of money that the above calculation, may be able to be sent to the center of the credit card company.

A processing method according to one aspect of the present invention includes a credit card company center that performs credit card authentication and settlement processing, a store terminal of a real estate agent that handles real estate rental properties and holds real estate rental property information, and It is configured to be able to communicate with a mobile phone terminal that reads and decodes a two-dimensional barcode including the website information for institution guarantee held by the borrower who wants to rent real estate properties, and applies for institution guarantee when concluding a lease agreement Borrower information storage means for storing the borrower information in a database, a property code for identifying the real estate rental property owned by each real estate agent at the store terminal of the real estate agent, and at least the property name and room The property information storage means for storing the property information having the number and the rent in association with the database, and the real estate agent As separate information, a real estate agent information storage unit that stores in advance at least a store number and person-in-charge information in association with each real estate agent, and a temporary storage unit that temporarily stores each processing unit as needed is performed by a computer. Based on the application from the mobile phone terminal that read the two-dimensional bar code described in the property information advertisement or advertisement flyer posted at the real estate agent's store, the borrower is eligible for institutional guarantee before the contract of the real estate rental property The mobile phone terminal that has read the two-dimensional bar code receives an access request transmitted for pre-examination, and after the reception confirmation, the mobile Based on the process of transmitting the usage confirmation item display screen data to the telephone terminal and the usage confirmation item display screen, Processing for receiving pre-examination usage confirmation items input data input and transmitted by the talk terminal, processing for transmitting store number input screen data to the mobile phone terminal after the reception confirmation, and transmission Processing for receiving store number input completed data received by the store number described in the advertisement or the like by the mobile phone terminal based on the screen, and storing the received store number data in a temporary storage means; and After confirming reception, a process for transmitting the borrower information including at least the customer name, the contract year, the rent, the credit card number, the expiration date, and the credit card information input request screen data to the mobile phone terminal as item names The borrower information and the credit card information data input by the mobile phone terminal based on the input request screen are received, and the received data is received. Based on the processing to store the data in the temporary storage means and the rent information of the acquired rental property, the guaranteed amount when performing the institutional guarantee for the rental property, with a predetermined percentage of the rent as the guaranteed amount Calculate and store the guaranteed amount in the temporary storage means, and referring to the temporary storage means, obtain the calculated guaranteed amount, the borrower information and the credit card information, and at least the contract year, rent, valid Generates an application confirmation screen that extracts information with deadlines and guaranteed amounts, sends the application confirmation screen data to the mobile phone terminal, and application confirmed data from the mobile phone terminal for the transmitted application confirmation screen Is received based on the received application confirmed data and the data stored in the one storage means is attached with a temporary registration flag as application acceptance information. Processing to store in the borrower information storage means, processing to transmit the credit card information of the borrower and the guaranteed amount of the received data to the center of the credit card company, and the center of the credit card company in response to the authentication request A process for determining whether the result notification is a notification that the credit card can be settled, and that the result of the determination is that the notification result can be settled. If it is determined that the notification is a notification, an identification number for identifying the application acceptance information is issued and the provisional registration flag attached to the application acceptance information is canceled with reference to the borrower information storage means. The process of storing in the borrower information storage means in association with the identification number as the main registration, the identification number, and the notification that the institution guarantee is possible. When the identification number is received from the store terminal and the processing to be transmitted to the telephone terminal, the borrower information stored in association with the identification number is extracted with reference to the borrower information storage means, and the contract application Processing to generate the contract application information screen data by entering the corresponding items on the information screen, and sending the generated contract application information screen data to the store terminal, requesting input of the contract application information to the empty item When the property code is received from the store terminal, the property information associated with the property code is extracted with reference to the property information storage means, and the property information is displayed on the contract application information screen. Processing to input items, processing to determine whether or not the input application confirmed contract application information screen data has been received from the store terminal, and after the reception confirmation, the credit card association A process for requesting a settlement process for the guaranteed amount in the credit card, a process for receiving a settlement completion notification from the center of the credit card company for the settlement request, and a process for receiving the settlement completion notification. A process for generating contract data necessary for a real estate lease contract based on the borrower information stored in the borrower information storage means, and a process for transmitting the created contract data to the store terminal. , Is performed.

A computer program according to one aspect of the present invention includes a credit card company center that performs credit card authentication and settlement processing, a store terminal of a real estate agent that handles real estate rental properties and holds real estate rental property information, and It is configured to be able to communicate with a mobile phone terminal that reads and decodes a two-dimensional barcode including the website information for institution guarantee held by the borrower who wants to rent real estate properties, and applies for institution guarantee when concluding a lease agreement Borrower information storage means for storing the borrower information in a database, a property code for identifying the real estate rental property owned by each real estate agent at the store terminal of the real estate agent, and at least the property name and room The number of property information that has a rent and the information that identifies the real estate agent Both real estate agent information storage means for storing the store number and person-in-charge information in association with each other, property information storage means for storing the database in association with each other, and temporary storage means for temporarily storing each processing means as needed Based on an application from the mobile phone terminal that has read the two-dimensional bar code written in the property information advertisement or advertisement flyer posted on the real estate agent's store to the computer that the borrower has before contracting the real estate rental property Is a computer program for confirming whether or not it is eligible for institutional guarantee, and is an access request transmitted to the computer for pre-examination from the mobile phone terminal that has read the two-dimensional barcode After the confirmation of reception and the confirmation of reception, display screen data of usage confirmation items is sent to the mobile phone terminal. Processing to receive, processing to receive pre-examination usage confirmation item input data input and transmitted by the mobile phone terminal based on the display screen of the usage confirmation item, and after the reception confirmation, to the mobile phone terminal On the other hand, the process of transmitting the store number input screen data, and the store number input completed data transmitted by inputting the store number described in the advertisement etc. by the mobile phone terminal based on the transmitted screen are received. , The process of storing the received store number data in the temporary storage means, and after the above reception confirmation, at least the customer name, the contract year, the rent, the credit card number, the expiration date as the item name for the mobile phone terminal Processing for transmitting input request screen data of the borrower information and credit card information including the above, the above-mentioned input by the mobile phone terminal based on the input request screen Guarantee when receiving an institutional guarantee for the rental property based on the processing of receiving the data of the borrower information and credit card information, storing the received data in the temporary storage means, and the rent information of the acquired rental property The amount is calculated with a predetermined percentage of the rent as a guaranteed amount, and the guaranteed amount is stored in the temporary storage means, and the calculated guaranteed amount, the borrower information and the credit are referred to the temporary storage means. Processing to send application confirmation screen data to the mobile phone terminal by obtaining card information, generating an application confirmation screen that extracts at least the contract age, rent, expiration date, and guaranteed amount of information, and the transmitted application The application confirmed data from the mobile phone terminal for the confirmation screen is received, and the data is based on the received application confirmed data and recorded in the one storage means. A process of storing the stored data in the borrower information storage means with provisional registration flag as application acceptance information, and the credit card information of the borrower and the guaranteed amount of the received data, the credit card company Processing to be sent to the center, and an approval result notification from the center of the credit card company in response to the authentication request, and whether or not the result notification is a notification that the credit card can be settled When it is determined that the notification result is a notification indicating that payment is possible as a result of the processing and the determination, an identification number for identifying the application acceptance information is issued, and the borrower information storage means is referred to The temporary registration flag attached to the application reception information is canceled, and the main registration is associated with the identification number and stored in the borrower information storage means. And when the ID number is received from the store terminal, refer to the borrower information storage means. Then, the borrower information stored in association with the identification number is extracted, entered in the corresponding item of the contract application information screen, and the contract application information screen data is generated, and the generated contract application information screen When the data is transmitted to the store terminal and a contract code is input to the empty item, and the property code is received from the store terminal, the property code is referenced with reference to the property information storage means. The property information associated with is extracted, the property information is entered in the corresponding item on the contract application information screen, and the contract application information screen data that has been confirmed input from the store terminal is received. A process for determining whether or not, after the reception confirmation, a process for requesting the credit card company center for a settlement process for the guaranteed amount in the credit card, and a process for requesting the settlement request from the credit card company center. Processing for receiving the payment completion notification, and processing for generating contract data necessary for the lease contract of the real estate based on the borrower information stored in the borrower information storage means when the payment completion notification is received, and And processing for transmitting the created contract data to the store terminal.

  According to the present invention, if the borrower has a credit card, the borrower can know whether or not the desired property can be leased on the spot without searching for a guarantor. Therefore, there is no need to search for a guarantor, and payment can be made with a credit card, so that the procedure can be easily performed without cash.

Real estate agents can also know whether they can guarantee it on the spot, so the contract rate will be high and the cash settlement will be saved.
In addition, since contracts such as warranty consignment contracts can be created on the spot, it is possible to save the trouble of creating contracts.

  In addition, when using a mobile phone, credit information can be inquired on the spot, and the procedure when visiting a real estate agent is simplified.

Hereinafter, an embodiment according to the present invention will be described with reference to the drawings.
FIG. 1 shows the overall configuration of the system according to the present embodiment. As shown in FIG. 1, the present system includes a rental information processing server 1, a credit card center 2 configured to be connectable to the rental processing server 1 via communication such as a dedicated line, a rental information processing server 1, and the like. A store terminal 3 of a real estate agent and a mobile phone terminal 4 of a borrower configured to be connectable via communication such as the Internet are configured to be connectable.

  The credit card center 2 is a center of a credit card company, issues a credit card, and performs a settlement process using the credit card. The credit card center 2 performs an authorization process. The credit card center 2 actually exists for each card company.

The store terminal 3 is a terminal installed in a real estate agent's store or the like. The store terminal 3 is constituted by a so-called personal computer or the like, and can be connected to the Internet by executing a browser program.
Further, the store terminal 3 is connected to a printer (not shown) or the like, and can print out a form, a contract, or the like according to an output instruction.

  The mobile phone terminal 4 is a terminal held by a borrower who rents a real estate property. This mobile phone terminal 4 is equipped with a CCD camera, which reads property information posted at a storefront of a real estate agent's store or a two-dimensional bar code posted on a flyer of the property. The two-dimensional barcode can be decoded. In addition, the mobile phone terminal 4 is configured to be connected to the Internet by executing a predetermined program, and can transmit and receive data to and from the rental information processing server 1.

The rental information processing server 1 is a computer that stores rental information on real estate properties and inquires about credit information of the borrower.
The rental information processing server 1 is configured by cooperation of one or a plurality of computers, and temporarily or continuously executes a CPU (Central Processing Unit) and a computer program, a computer program, and other data executed by the CPU. The functional blocks shown in FIG. 2 are configured by a memory such as a RAM (Random Access Memory) for storing data and an external storage device such as a hard disk drive.
2 includes a real estate agent information database (DB) 101, a form data storage unit 102, a property database (DB) 103, a guarantee database (DB) 104, a black list database (BLDB) 105, and a transmission / reception processing unit 106. , An authentication processing unit 107, a guarantee processing unit 108, a property information processing unit 109, a credit card processing unit 110, a document creation processing unit 111, and an output processing unit 112.

The real estate agent information database 101 is a database of information on real estate agents. The real estate agent information database 101 stores a user ID, a password, a store number, and person-in-charge information for each real estate agent.
This user ID and password are issued in advance to identify a real estate agent by an application from the real estate agent. The store number and the person in charge information are registered in advance based on an application from a real estate agent.

  The form data storage unit 102 is a storage unit that stores various form data on the site. The form data storage unit 102 stores format files such as Web site HTML data such as an application acceptance form, warranty consignment contract form, important matter manual data, and lease contract data.

The property database 103 is a database of property information held by a real estate agent.
In this property database 103, for each real estate agent, the property code of the property managed by the real estate agent and the property name, room number, postal code, address, contract year, rent, common service fee parking lot associated with this property code Information on properties such as expenses, tenant name and name, tenant postal code, tenant address, tenant telephone number can be stored.

The guarantee database 104 is a database of information on renters who have applied for guarantees when concluding a lease contract.
The guarantee database 104 can store contractor information of a guarantee contractor, emergency contact information and identity underwriter information that are information of an emergency contact address and identity underwriter, and resident information.
The contractor information includes name, reading, postal code, address, telephone number, gender, date of birth, relationship with tenant, monthly income, annual income confirmation method, identity confirmation method, forced retirement history, company name, company name Includes a phone number.
Emergency contact / identity underwriter information includes name and reading, postal code, address, telephone number, and resident relationship.
The resident information includes the resident's name and reading, postal code, address, telephone number, gender, and date of birth.
In the case of applying for a guarantee from the mobile phone terminal 4, the guarantee acceptance number, the name of the applicant, and the store number can be stored. Further, a temporary registration flag for temporarily registering these temporarily can be stored.

The blacklist database 105 is a database of information on borrowers who have not been eligible for guarantee, such as borrowers who have been behind or forced to move out of their rent, or borrowers who have not been able to settle by credit card. It is.
The black list database 105 can store personal data such as names and readings of people registered as a black list, gender, age, date of birth, credit card information, and the like.

The transmission / reception processing unit 106 performs data transmission / reception processing with the credit card center 2, the store terminal 3, or the mobile phone terminal 4 via the Internet or a dedicated line.
The transmission / reception processing unit 106 can transmit data according to a predetermined protocol, and can receive data transmitted from these devices.

The authentication processing unit 107 performs processing for authenticating the user ID and password based on the access request from the real estate agent.
This process is performed by the authentication processing unit 107 referring to the real estate agent database 101 to determine whether or not the input user ID and password match the registered data.

The guarantee processing unit 108 performs processing for determining whether or not a guarantee contract can be made with a contractor.
Specifically, the guarantee processing unit 108 determines whether or not the applicant (borrower) satisfies the use conditions (nationality, contract age, monthly income, credit payment approval).
In addition, the guarantee processing unit 108 performs a process of calculating a compensation amount in the case of performing the institution guarantee from the rent of the leased property for which application has been applied. As this guarantee fee, for example, a half of the total amount of the rent and the common service cost can be calculated and used as the guarantee fee.
Then, when the guarantee processing unit 108 can settle the guarantee fee with a credit card, the guarantee processing unit 108 determines that it has a payment capability and accepts the guarantee application. If payment cannot be made with a credit card, it is determined that there is no payment capability and it is determined that a guarantee application cannot be made.

  The property information processing unit 109 refers to the property database 103 according to a request, and performs a process of searching and extracting property information from the input property code.

  The credit card processing unit 110 displays a credit payment application screen at the time of applying for a guarantee, and transmits information such as the entered credit card company name, card number, validity period, and holder to the credit card center 2 for authorization. Perform processing and payment processing.

The document creation processing unit 111 performs processing for creating a warranty consignment contract, a rental contract, and the like. In this process, the document creation processing unit 111 inputs the contractor information, the property information, and the emergency contact information entered in the predetermined items of the warranty consignment contract and the rental contract form data stored in the form data storage unit 102. The necessary document data can be created by applying the information extracted from the share holder information and the resident information for each item.
Note that the document creation processing unit 111 may convert the created contract document data into a predetermined file format such as a portable document format (PDF). This makes it easier to print later and save file data.

  The output processing unit 112 causes the store terminal 2 to display the warranty consignment contract or the lease contract created by the document creation unit 111, or sends these files created by a print request from the store terminal 2 for printing. Perform the process to make it possible.

Next, an embodiment of a lease information processing method using the above-described system will be described.
First, with reference to FIG. 3, the processing of the rental information processing server 1 when the borrower views property information at a real estate agent's store and applies for a lease contract and an institution guarantee will be described.
In FIG. 3, when the real estate agent makes an access request to the site by inputting the URL of the website from the store terminal 3, the transmission / reception unit 106 of the rental information processing server 1 accepts the access request (S101). The authentication information processing unit 107 transmits a login page and requests input of authentication information (S102).
As this login page, as shown in FIG. 5, a user ID input field, a password input field, and a login button are displayed.

When the real estate agent inputs the user ID and password and instructs the login button according to this login page, the authentication information processing unit 107 refers to the real estate agent database 101 and the input user ID and password are registered. It is determined whether or not the data matches (S103).
As a result of the determination, if the input user ID and password do not match, the authentication processing unit 107 performs error processing such as notification of an error message, and ends the processing (S104).

If the user ID and password are correct as a result of authentication, the guarantee processing unit 108 transmits confirmation item screen data and requests input of the confirmation item in the contract (S105).
As shown in FIG. 6, the confirmation items include “both contractor and resident have Japanese nationality or permanent residence”, “contractor is 18 years old or older and under 71 years old”, “public You can confirm monthly income more than double the monthly rent etc. with a simple certificate. ”Select“ YES ”or“ NO ”for the four items of“ I agree to pay the specified guarantee fee with a credit card. ” It comes to answer.
And if you are accessing from a PC, click the “To PC Application Form” button, and if you are a borrower who has applied with a mobile phone terminal, press the “To Mobile / PHS Application Form” button. Yes.
If there is an item that corresponds to NO in any one of these items, the guarantee processing unit 108 displays a message indicating that a contract cannot be made and ends the process.

If all the answers in step S105 are YES and the “go to PC application form” button is instructed, the guarantee processing unit 108 sends an application reception form stored in the form data storage unit 102 to the store terminal 3. To request input of application information (S106).
As shown in Fig. 7, this application acceptance form includes the contractor information such as name, reading, postal code, address, telephone number, gender, date of birth, relationship with tenant, monthly income, annual income confirmation method, identity verification. Accepts method, forced leave history, work name, and work phone number.
In addition, as shown in FIG. 8, the property code, property name, room number, postal code, address, planned contract year, rent, common service / parking fee, etc. Accepts the input of the renter zip code, the renter address, and the renter telephone number.
Furthermore, as shown in FIG. 9, on the same screen, input of name, reading, postal code, address, telephone number, and relationship with the resident is accepted as emergency contact and identity undertaker information, and occupancy is entered as resident information. The name, reading, postal code, address, telephone number, gender and date of birth of the person are accepted, and finally the person in charge of the real estate agent is entered.
If the resident is the same as the contractor, the same information as the information entered in the contractor information can be input and reflected by instructing the button “same as the contractor information”. It has become.

In addition, when inputting the property information, if the property code is known, the property information processing unit 109 searches the property database 103 and inputs the property code and indicates a reference button. The property information associated with the code is searched and extracted, and the extracted property information is input in a lump (S107).
Note that the property information can be manually input, and this processing is not performed when the property information is manually input.

When all items have been input, the guarantee processing unit 108 determines whether or not appropriate input has been made for all required input items (S108).
If there is an input omission as a result of the determination, the process returns to the above-described processing of S106, and a re-input is requested by highlighting an item portion with the omission.

As a result of the determination, if it is determined that all input items have been input, the received application information is provisionally registered in the guarantee database 104, and the credit card processing unit 110 displays a credit card information input request screen. And requesting input of credit card information (S109).
In this credit card information input request screen, as shown in FIG. 10, a box for inputting a card company name, a card number and re-entry confirmation, a card validity period, and a name of a holder is displayed.

  When the credit card information is input and the “Agree and Send” button is pressed, the credit card processing unit 110 receives the input credit card information and temporarily stores it in the memory (S110).

And the guarantee process part 108 calculates a guarantee amount from the rent of a rental property, and memorize | stores it in memory (S111).
This calculation process is performed, for example, by the guarantee processing unit 108 adding the rent of the desired property, the common service cost, etc., and calculating a half of the sum as a guarantee fee.

And the guarantee process part 108 produces | generates input information and a guarantee amount confirmation screen based on the reception information and guarantee amount which were memorize | stored in memory, and transmits this to the shop terminal 2 (S112).
As shown in Fig. 11, this confirmation screen displays the name of the person in charge, the contractor information, the property information, the emergency contact / identity underwriter information, the resident information, and the calculated guaranteed amount on the screen. Then, a “confirmation button” is displayed at the bottom of the screen.
As a result, the person in charge of the real estate agent and the borrower can confirm the application contents and the guaranteed amount.

  In this state, the guarantee processing unit 18 waits while determining whether the confirmation button has been pressed and the application content has been confirmed (S113).

In FIG. 4, when the person in charge of the real estate agent confirms the display content, the credit card processing unit 110 refers to the black list database 105 to determine whether or not the input credit card information is registered ( S114).
If it is registered in the blacklist database 105 as a result of determination, an application impossible notification is made (S115).

  If the credit card information is not registered in the black list database 105 as a result of the determination, the credit card processing unit 110 transmits the credit card information and the guaranteed amount information to the credit card center 2 for authorization and settlement. Processing is performed (S116). As a result, the credit card center 2 determines whether or not the credit card can be used to settle the guaranteed amount, and notifies the rental information processing server 1 of the result.

The credit card processing unit 110 determines whether or not the credit card center 2 has settled with the credit card (S117).
As a result of the determination, if settlement is not possible, an application impossible notice is given (S115).

If the settlement is successful as a result of the determination, the guarantee processing unit 108 officially registers the application acceptance information in the guarantee database 104 (S118). As a result, the temporary registration flag is canceled and the registration is officially performed.
And the guarantee process part 108 transmits application result information with respect to the shop terminal 3 (S119). In this case, as shown in FIG. 12, the message “Accepted as a result of inquiring” is displayed as an application result, and a message prompting the stamping of the required document is displayed to obtain the required document. The button “Click here if you want to apply continuously” is displayed.

According to this message, when the “Click here for a subsequent application” button is instructed, the document creation processing unit 111 refers to the form data storage unit 102 and takes in the application acceptance information into the form data of the necessary contract. Thus, a necessary contract document file is created in a predetermined format such as PDF (S120).
And the output process part 112 transmits the produced contract document file to the shop terminal 3 (S121), and complete | finishes a process.
As this contract document file, for example, as shown in FIG. 13, the data on which the application is accepted is displayed in the column of the contractor, resident, identity underwriter, etc. of the guarantee consignment contract.
In this state, the person in charge of the real estate agent can make a contract by outputting the contract document from the store terminal 3 using a printer and performing signature stamping.

As described above, according to the above-described embodiment, if the borrower has a credit card, the borrower can know whether or not the desired property can be leased on the spot without searching for a guarantor. Therefore, there is no need to search for a guarantor, and since the payment is completed with a credit card, the procedure can be easily performed without cash.
In addition, since it took 3 to 4 days for the guarantor's examination in the past, it can be done immediately, so it is possible to check whether the property can be rented easily.

Real estate agents can also know whether they can guarantee it on the spot, so the contract rate will be high and the cash settlement will be saved.
In addition, since contracts such as warranty consignment contracts can be created on the spot, it is possible to save the trouble of creating contracts.

In the above-described embodiment, the example in which the person in charge operates the store terminal 3 of the real estate agent has been described, but the borrower may be directly inquired from the mobile phone terminal 4.
Processing in this case will be described with reference to FIG.
In FIG. 14, when the borrower makes a request to access the site by inputting the URL of the Web site from the mobile phone terminal 4 , the transmission / reception unit 106 of the rental information processing server 1 accepts the access request (S201).
When accessing a site, information such as the URL of the site is converted into a two-dimensional barcode and displayed on a real estate agent's storefront or flyer, and the two-dimensional barcode is read by the CCD camera of the mobile phone terminal 4. You may make it input by decoding.

When accessing the rental information processing server 1, the guarantee processing unit 108 transmits confirmation item screen data and requests confirmation of the confirmation item in the contract (S202).
The confirmation items are the same as those shown in FIG.

When the confirmation items are confirmed, the guarantee processing unit 108 transmits the store number input form stored in the form data storage unit 102 to the mobile phone terminal 4 to manage the property. The store number is requested and the input store number is temporarily stored in the memory (S203).
As shown in FIG. 16, a store number input box and a transmission button are displayed following the precautions. This store number is composed of several digits or characters printed in advance on a real estate agent's storefront or flyer.

  When the input of the store number is completed, the guarantee processing unit 108 transmits the rent guarantee application form stored in the form data storage unit 102 to the mobile phone terminal 4 and requests input of application information (S204). . As shown in FIG. 17, this rent guarantee application form displays a customer name, contract years, total rent, credit card number, card number re-input, expiration date input box, and a send button.

  When the guarantee processing unit 108 receives the application content / credit card information (S205), the guarantee processing unit 108 calculates a guarantee amount from the rent of the rental property and stores it in the memory (S206). This calculation process is performed, for example, by the guarantee processing unit 108 adding the rent of the desired property, the common service cost, etc., and calculating a half of the sum as a guarantee fee.

And the guarantee process part 108 produces | generates input information and a guarantee amount confirmation screen based on the reception information and guarantee amount which were memorize | stored in memory, and transmits this with respect to the mobile telephone terminal 3 (S207). .
As shown in FIG. 18, this screen displays the contract year, the total rent, the expiration date, the withdrawal amount (guarantee fee), and a send button.
Thereby, the borrower can confirm the application contents and the guaranteed amount.

In this state, the guarantee processing unit 18 waits while determining whether the transmission button has been pressed and the application content has been confirmed (S208).
When the application button is pressed, the guarantee processing unit 108 provisionally registers application acceptance information in the guarantee database 104 (S209).

In FIG. 15, the credit card processing unit 110 refers to the black list database 105 to determine whether or not the input credit card information is registered (S210).
If it is registered in the blacklist database 105 as a result of determination, an application impossible notification is made (S211).

  If the credit card information is not registered in the black list database 105 as a result of the determination, the credit card processing unit 110 transmits the credit card information and the guaranteed amount information to the credit card center 2 to perform the authorization process. Perform (S212). As a result, the credit card center 2 determines whether or not the credit card can be used to settle the guaranteed amount, and notifies the rental information processing server 1 of the result.

The credit card processing unit 110 determines whether or not payment can be made with the credit card from the credit card center 2 (S213).
As a result of the discrimination, if settlement is not possible, an application impossible notice is given (S211).

If the settlement is possible as a result of the determination, the guarantee processing unit 108 officially registers the application reception information in the guarantee database 104 (S214).
At the same time, the guarantee processing unit 108 issues a guarantee acceptance number indicating acceptance of application to the borrower and registers it in the guarantee database 104 (S215).

Then, the guarantee processing unit 108 notifies the mobile phone terminal 4 of the issued guarantee acceptance number (S216), and ends the process.
As shown in FIG. 19, the notification screen displays the guaranteed acceptance number issued together with the registered name, and notifies the message so as to keep it.
As a result, the borrower can make a note of this number, it is possible to perform the processing of guarantee contracts in person to the real estate agent.

Next, a process in which a borrower registered with the mobile phone terminal 4 applies for a guarantee contract with a real estate agent will be described. In addition, about the process similar to the process shown to FIG. 3 and 4, the same symbol is attached | subjected and description is abbreviate | omitted.
In FIG. 20, when the confirmation of the confirmation items of S105 is completed, and the “To Mobile / PHS Application Form” button is instructed on the screen of FIG. 6, the guarantee processing unit 108 displays a guarantee acceptance number input screen ( S301).
On this screen, as shown in FIG. 21, an input box for inputting the name of the borrower and the guarantee acceptance number is displayed.

When the name and the guarantee underwriting number are input and transmitted in accordance with this, the guarantee processing unit 108 refers to the guarantee database 104 and inputs the data of the borrower temporarily registered in association with the guarantee underwriting number into the application reception form. Then, the application acceptance form in the input state is generated (S302). Thereafter, the processes of S106 to S108, S112, and S113 described above are performed.
The credit card information is not input here because it has already been input from the mobile phone terminal 4.

When the input content is confirmed in the process of S113, the credit card processing unit 110 performs a settlement process for the guaranteed amount to the credit card center 2 using the credit card information (S303).
When this instruction is completed, the processing from S118 onward is performed.

Thus, according to the above-described embodiment, in addition to the effects of the above-described embodiment, the credit check can be easily viewed with a mobile phone.
In addition, since the procedure at the real estate agent is simple, the procedure on the spot becomes very simple.

  In the above-described embodiment, the example in which the rental information processing server 1 performs the process related to the guarantee consignment contract and the provision process of the property information has been described. However, these processes are performed by another server. Also good.

It is a figure showing the whole system composition concerning one embodiment of the present invention. The functional block diagram of the rental information processing server which concerns on this embodiment. The processing flow which showed the process of the rental information processing server at the time of accessing from a store terminal. The process flow which showed the process of the rental information processing server following FIG. The figure which showed the login screen of the shop terminal. The figure which showed the use condition confirmation screen of a shop terminal. The figure which showed the application screen of the store terminal. The figure which showed the application screen of the shop terminal following FIG. The figure which showed the application screen of the shop terminal following FIG. The figure which showed the card information input screen of the shop terminal. The figure which showed the application content confirmation screen of a shop terminal. The figure which showed the application result notification screen of the store terminal. The figure which showed the guarantee commission contract display screen of a shop terminal. The processing flow which showed the process of the rental information processing server at the time of accessing from a mobile telephone terminal. The processing flow which showed the process of the rental information processing server at the time of accessing from a mobile telephone terminal following FIG. The figure which showed the store number input screen of the mobile telephone terminal. The figure which showed the application content input screen of the mobile telephone terminal. The figure which showed the application content confirmation screen of a mobile telephone terminal. The figure which showed the registration screen of the mobile telephone terminal. The processing flow which showed the process of the rental information processing server in case the borrower registered with the mobile phone terminal carries out the procedure at the store terminal. The figure which showed the store number input screen of the store terminal.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Rental information processing server, 2 ... Credit card center, 3 ... Store terminal, 4 ... Mobile phone terminal, 101 ... Real estate agent database, 102 ... Form data storage part, 103 ... Property database, 104 ... Guarantee database, 105 ... Black list database, 106 ... Transmission / reception processing unit, 107 ... Authentication processing unit, 108 ... Guarantee processing unit, 109 ... Property Information processing unit 110 ... Credit card processing unit 111 ... Document creation processing unit 112 ... Output processing unit

Claims (4)

A two-dimensional bar held by the credit card company's center that performs credit card authentication and settlement processing, the store terminal of a real estate agent that handles real estate rental properties and holds real estate rental property information, and the borrower who wants to rent the real estate property A two-dimensional barcode including website information for institutional guarantee described in a property information advertisement or an advertisement flyer that is configured to be able to communicate with a mobile phone terminal that reads and decodes a code and is posted in a store of the real estate agent A device that confirms whether the borrower is eligible for an institutional guarantee before contracting the real estate rental property based on the application from the mobile phone terminal that has been read,
And borrower information storage means for storing the borrower of the information that was application of the institutions guarantee order to conclude a lease agreement database to,
Store the property code that identifies the property rental property held by each real estate agent at the store terminal of the above real estate agent by associating with the property code having at least the property name, room number, and rent in a database Property information storage means,
As information for identifying the real estate agent, real estate agent information storage means for storing at least a store number and person-in-charge information in association with each real estate agent in advance,
Temporary storage means for temporarily storing each processing means as necessary;
An access request receiving means for receiving an access request transmitted for pre-examination from the mobile phone terminal that has read the two-dimensional barcode;
After confirmation of reception by the access request accepting means, a usage confirmation requesting means for transmitting display screen data of usage confirmation items for preliminary examination to the mobile phone terminal;
Usage confirmation accepting means for receiving usage confirmation item input data input and transmitted by the mobile phone terminal based on the display screen of the usage confirmation item;
A store number requesting means for transmitting store number input screen data to the mobile phone terminal after the reception confirmation by the use confirmation accepting means;
Based on the screen transmitted by the store number requesting means, the store number entered in the advertisement or the like is input by the mobile phone terminal and the transmitted store number input data is received, and the received store number data is temporarily stored. Store number reception means for storing in
After confirming receipt by the store number accepting means, an input request screen for borrower information and credit card information including at least the customer name, contract year, rent, credit card number, expiration date as item names for the mobile phone terminal Personal information requesting means for transmitting data;
Personal information receiving means for receiving the borrower information and credit card information data input by the mobile phone terminal based on the input request screen, and storing the received data in a temporary storage means;
Based on the rent information of the rental property acquired by the personal information receiving means, the guarantee amount for the institutional guarantee for the rental property is calculated as the guaranteed amount of the rent, and the temporary storage means A guarantee amount calculation means for storing the guarantee amount;
Referring to the temporary storage means, obtain the calculated guarantee amount, the borrower information, and the credit card information, and generate an application confirmation screen that extracts at least the contract age, rent, expiration date, and guaranteed amount information. Application confirmation request means for transmitting application confirmation screen data to the mobile phone terminal,
Receiving the application confirmed the data from the mobile telephone terminal to said transmitted application confirmation screen is the original data of the application confirmed data received provisionally registers the data stored in said first storage means as the application receiving the information An application confirmation receiving means for storing a flag in the borrower information storage means ;
An authentication request means for transmitting the credit card information of the borrower and the guaranteed amount of the data received by the application confirmation accepting means to the center of the credit card company;
An authentication acceptance determination means for receiving an approval result notification from the center of the credit card company in response to the authentication request and determining whether the result notification is a notification that the credit card can be settled;
As a result of the determination, if it is determined that the notification result is a notification that payment is possible, an identification number for identifying the application acceptance information is issued and the application is referred to by referring to the borrower information storage means. Guarantee contract information processing means for releasing the temporary registration flag attached to the reception information and storing it in the borrower information storage means in association with the identification number as the main registration ;
An approval information notification means for transmitting the identification number and a notification that the institution guarantee is possible to the mobile phone terminal;
When the identification number is received from the store terminal, the borrower information stored in association with the identification number is extracted with reference to the borrower information storage means, entered in the corresponding item of the contract application information screen, and the contract Generation means for generating application information screen data;
Contract information confirmation requesting means for transmitting the contract application information screen data generated by the generating means to the store terminal and requesting input of the contract application information to an empty item;
When the property code is received from the store terminal, the property information storage means is referred to, the property information associated with the property code is extracted, and the property information is input to the corresponding item on the contract application information screen. Information processing means;
Contract information confirmation acceptance means for determining whether or not the input application confirmed contract application information screen data has been received from the store terminal;
Payment confirmation means for requesting the credit card company center to perform payment processing for the guaranteed amount in the credit card after the reception confirmation by the contract information confirmation receiving means;
Payment acceptance means for accepting a payment completion notice from the center of the credit card company in response to the payment request;
When receiving the settlement completion notification, based on the borrower information stored in the borrower information storage means, a document creation means for generating contract data necessary for a real estate lease contract;
A contract notification means for transmitting the created contract data to the store terminal;
A device characterized by comprising: A blacklist of borrowers with a history of at least one of past rent arrears, forced evictions, and credit card non-settlement, and information including at least name, reading, date of birth, and credit card number is stored in a database A blacklist storage means for
Based on the credit card information received by the personal information receiving means, referring to the black list storage means, the name of the black list information in which the customer name and credit card number of the credit card information are stored in the black list storage means And blacklist discriminating means for discriminating whether or not it corresponds to a reading, a date of birth, a credit card number,
Further comprising
The authentication requesting means further sends the received credit card information of the borrower and the calculated guarantee amount to the credit card company center when the blacklist determining means determines that the result is not applicable. Send,
The apparatus of claim 1. A two-dimensional bar held by the credit card company's center that performs credit card authentication and settlement processing, the store terminal of a real estate agent that handles real estate rental properties and holds real estate rental property information, and the borrower who wants to rent the real estate property a mobile phone terminal that reads decoding the code, communicatively configured, the borrower information storage means for storing borrower information to make an offer of the engine warranty when fastening database to the lease, the realtor of the store terminal Property information storage means for storing the property code for identifying the property rental property owned by each real estate agent for each property and the property information having at least the property name, room number, and rent in a database As the information for identifying the real estate agent, at least the store number and the person in charge information are associated with each real estate agent in advance. A realtor information storage means for only storing a temporary storage unit that temporarily stores necessary in each processing unit is performed by a computer having, in listing advertisement or advertising flyers posted on the realtor store Based on the application from the mobile phone terminal that has read the two-dimensional bar code including the website information for the institutional guarantee described, it is confirmed whether the borrower is eligible for the institutional guarantee before contracting the real estate rental property. A method,
A process of receiving an access request transmitted for a preliminary examination from the mobile phone terminal that has read the two-dimensional barcode;
After the reception confirmation, a process of transmitting display screen data of usage confirmation items to the mobile phone terminal;
A process of receiving pre-examination usage confirmation item input data input and transmitted by the mobile phone terminal based on the use confirmation item display screen;
After the reception confirmation, a process of transmitting the store number input screen data to the mobile phone terminal;
A process of receiving store number input completed data transmitted by inputting the store number described in the advertisement or the like by the mobile phone terminal based on the transmitted screen, and storing the received store number data in a temporary storage means ; ,
After the above reception confirmation, a process for transmitting the borrower information including at least the customer name, the contract year, the rent, the credit card number, the expiration date, and the credit card information input request screen data as the item name to the mobile phone terminal When,
A process of receiving data of the borrower information and credit card information input by the mobile phone terminal based on the input request screen, and storing the received data in a temporary storage means;
Based on the rent information of the acquired rental property, the guarantee amount for the institutional guarantee for the rental property is calculated using the specified percentage of the rent as the guaranteed amount, and the guaranteed amount is stored in the temporary storage means. Processing to
Referring to the temporary storage means, obtain the calculated guarantee amount, the borrower information, and the credit card information, and generate an application confirmation screen that extracts at least the contract age, rent, expiration date, and guaranteed amount information. Process to send the application confirmation screen data to the mobile phone terminal,
Receiving the application confirmed the data from the mobile telephone terminal to said transmitted application confirmation screen is the original data of the application confirmed data received provisionally registers the data stored in said first storage means as the application receiving the information A process of attaching a flag and storing it in the borrower information storage means ;
A process of transmitting the borrower's credit card information and the guaranteed amount of the received data to the credit card company center;
A process of receiving an approval result notification from the center of the credit card company in response to the authentication request and determining whether the result notification is a notification that the credit card can be settled;
As a result of the determination, if it is determined that the notification result is a notification that payment is possible, an identification number for identifying the application acceptance information is issued and the application is referred to by referring to the borrower information storage means. A process of canceling the temporary registration flag attached to the reception information and storing it in the borrower information storage means in association with the identification number as the main registration ;
A process of transmitting the identification number and a notification that an institution guarantee is possible to the mobile phone terminal;
When the identification number is received from the store terminal, the borrower information stored in association with the identification number is extracted with reference to the borrower information storage means, entered in the corresponding item of the contract application information screen, and the contract Processing to generate application information screen data,
A process of transmitting the generated contract application information screen data to the store terminal and requesting input of contract application information to an empty item;
When receiving the property code from the store terminal, refer to the property information storage means, extract the property information associated with the property code, and input the property information in the corresponding item of the contract application information screen When,
A process for determining whether or not the input application confirmed contract application information screen data has been received from the store terminal;
After the receipt confirmation, a process for requesting the credit card company center to perform a settlement process for the guaranteed amount in the credit card;
Processing for receiving a payment completion notification from the credit card company center in response to the payment request;
When receiving the settlement completion notification, a process for generating contract data necessary for a real estate lease contract based on the borrower information stored in the borrower information storage means;
A process of transmitting the created contract data to the store terminal;
The method characterized by performing. A two-dimensional bar held by the credit card company's center that performs credit card authentication and settlement processing, the store terminal of a real estate agent that handles real estate rental properties and holds real estate rental property information, and the borrower who wants to rent the real estate property a mobile phone terminal that reads decoding the code, communicatively configured, the borrower information storage means for storing borrower information to make an offer of the engine warranty when fastening database to the lease, the realtor of the store terminal For each real estate agent, the property code that identifies the real estate rental property owned by each real estate agent for each property, the property information that has at least the property name, room number, and rent, and information that identifies the real estate agent in advance Data associated with at least a store number and a real estate agent information storage means for storing information associated with the person in charge. A property information storage means for storing in over gasification, the computer having a temporary storage unit that temporarily stores necessary in each processing unit, listing advertisements or advertising flyers that are posted on the realtor store Based on the application from the mobile phone terminal that has read the two-dimensional bar code including the website information for institutional guarantee described in, check whether the borrower is eligible for institutional guarantee before contracting the real estate rental property A computer program for performing
For the above computer
A process of receiving an access request transmitted for a preliminary examination from the mobile phone terminal that has read the two-dimensional barcode;
After the reception confirmation, a process of transmitting display screen data of usage confirmation items to the mobile phone terminal;
A process of receiving pre-examination usage confirmation item input data input and transmitted by the mobile phone terminal based on the use confirmation item display screen;
After the reception confirmation, a process of transmitting the store number input screen data to the mobile phone terminal;
A process of receiving store number input completed data transmitted by inputting the store number described in the advertisement or the like by the mobile phone terminal based on the transmitted screen, and storing the received store number data in a temporary storage means ; ,
After the above reception confirmation, a process for transmitting the borrower information including at least the customer name, the contract year, the rent, the credit card number, the expiration date, and the credit card information input request screen data as the item name to the mobile phone terminal When,
A process of receiving data of the borrower information and credit card information input by the mobile phone terminal based on the input request screen, and storing the received data in a temporary storage means;
Based on the rent information of the acquired rental property, the guarantee amount for the institutional guarantee for the rental property is calculated using the specified percentage of the rent as the guaranteed amount, and the guaranteed amount is stored in the temporary storage means. Processing to
Referring to the temporary storage means, obtain the calculated guarantee amount, the borrower information, and the credit card information, and generate an application confirmation screen that extracts at least the contract age, rent, expiration date, and guaranteed amount information. Process to send the application confirmation screen data to the mobile phone terminal,
Receiving the application confirmed the data from the mobile telephone terminal to said transmitted application confirmation screen is the original data of the application confirmed data received provisionally registers the data stored in said first storage means as the application receiving the information A process of attaching a flag and storing it in the borrower information storage means ;
A process of transmitting the borrower's credit card information and the guaranteed amount of the received data to the credit card company center;
A process of receiving an approval result notification from the center of the credit card company in response to the authentication request and determining whether the result notification is a notification that the credit card can be settled;
As a result of the determination, if it is determined that the notification result is a notification that payment is possible, an identification number for identifying the application acceptance information is issued and the application is referred to by referring to the borrower information storage means. A process of canceling the temporary registration flag attached to the reception information and storing it in the borrower information storage means in association with the identification number as the main registration ;
A process of transmitting the identification number and a notification that an institution guarantee is possible to the mobile phone terminal;
When the identification number is received from the store terminal, the borrower information stored in association with the identification number is extracted with reference to the borrower information storage means, entered in the corresponding item of the contract application information screen, and the contract Processing to generate application information screen data,
A process of transmitting the generated contract application information screen data to the store terminal and requesting input of contract application information to an empty item;
When receiving the property code from the store terminal, refer to the property information storage means, extract the property information associated with the property code, and input the property information in the corresponding item of the contract application information screen When,
A process for determining whether or not the input application confirmed contract application information screen data has been received from the store terminal;
After the receipt confirmation, a process for requesting the credit card company center to perform a settlement process for the guaranteed amount in the credit card;
Processing for receiving a payment completion notification from the credit card company center in response to the payment request;
When receiving the settlement completion notification, a process for generating contract data necessary for a real estate lease contract based on the borrower information stored in the borrower information storage means;
A process of transmitting the created contract data to the store terminal;
A computer program for executing