JP2002230440A - Rent contract debt guaranteeing method and rent contract debt guarantee support device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a lessee to make a rent contract, even if there is no guarantor and to guarantee the debt that the lessee will not carry through fulfillment in place the lesser, when the lessee and lesser have the rent contract. SOLUTION: When the lessee and lesser makes the rent contract, the guarantee rank of the lessee is decided, and a guarantor contract with the lessee and a debut guarantee contract with the lesser are made under contract conditions corresponding to the decision result.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to a lease agreement between a lessor and a lessee, whereby the lessee can enter into a security guarantee agreement with the lessee and a debt guarantee agreement with the lessor. BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a lease contract guarantee method for guaranteeing a burden to a lessor and a lease contract guarantee support device.

[0002]

2. Description of the Related Art In a lease agreement between a lessor and a lessee, the lessee incurs obligations such as payment of rent to the lessor. Taking the case where the object of the lease contract is a house as an example, the resident of the rented house, which is the renter, is obliged to pay the rent, which is the rent, to the owner of the rented house, which is the renter. Here, the landlord demands that the resident determine in advance an identity guarantor when concluding a lease agreement in case the resident has late payment of the rent. The guarantor is a person who has an obligation to pay the rent to the landlord on behalf of the resident when the resident does not pay the rent. In addition, the guarantor has an obligation to the landlord to perform necessary processing, such as restoring the current situation, in the event that the resident is in danger.

[0003]

[Problems to be Solved by the Invention] However, if the tenant requests the guarantor to fulfill the lease contract when the rent is delinquent, the guarantor does not necessarily fulfill the above obligation. Landlords are burdened with monetary or labor costs, such as uncollected rent, urging late rents, or recommending evacuation, as well as litigation procedures for default. Therefore, the landlord demands that he / she be a relative of the person who wants to move in, or be an acquaintance living near the rental house, etc., as an guarantor. Therefore, it is difficult for a person who has no relatives such as the elderly or a person who has no acquaintance living in the vicinity, such as a single person to be transferred, to conclude a lease contract and to enter. Furthermore, if the person who wants to move in is an elderly person or a person who is not in good health, he or she may be refused to move in because the burden on the landlord is further increased, such as paying attention to daily living conditions.

[0004] The present invention has been made in view of the above-described conventional circumstances, and in a lease contract between a lessee and a lessor, an identity guarantee contract is concluded with the lessee to guarantee the identity of the lessee. Becoming a person helps the lessee to conclude the lease agreement, and concludes a debt guarantee agreement with the lessor to reduce the burden on the lessor by guaranteeing the lessee's debt burden. It is an object of the present invention to provide a lease contract guarantee method that is highly effective in relieving the vulnerable and a lease contract guarantee support device for supporting the lease contract guarantee.

[0005]

According to the first aspect of the present invention,
In a lease agreement between a landlord and a resident for a rental house for which a rent payment guarantee has been reserved, if the resident has late payment of the rent, the rent is guaranteed to the landlord on behalf of the resident. A method of inputting basic information for determining a resident of the reserved rental house to a server, wherein the server determines a guarantee rank using the basic determination information and a guarantee rank calculation table in the server. And the server calculates the terms and conditions of the identity guarantee contract and the debt guarantee contract according to the determined assurance rank, and the server identifies the identity of the resident based on the calculated terms and conditions from the resident. Receiving the guarantee contract application information and the debt guarantee contract application information from the landlord; Receiving the unpaid information, and accumulating the information in the trouble database in the server; the server confirming the rent delinquency status of the resident using the trouble database; and Outputting information for guaranteeing rent payment to the landlord on behalf of the resident based on the situation.

According to a second aspect of the present invention, in the first aspect of the invention, the determination basic information input to the server includes at least the presence or absence of the resident's relatives, the resident's health condition, and the rent of the rental house. It is characterized by the following.

According to a third aspect of the present invention, in the first aspect of the invention, the information for guaranteeing the rent payment is a rent delinquent postcard shipping list and a content certification shipping list.

According to a fourth aspect of the present invention, in the first aspect of the invention, the delinquency status is confirmed using the number of delinquencies of the resident.

According to a fifth aspect of the present invention, in the fourth aspect of the present invention, the server checks the number of delinquencies of the rent of the resident, and the server checks the number of delinquencies of the rent and the number of delinquencies of the resident. Comparing the number of delinquencies, which is a standard number of delinquencies that guarantees payment of rent, with the server, if the number of delinquencies reaches the limit, obtains information for guaranteeing payment of rent. It is characterized by outputting.

According to a sixth aspect of the present invention, in the first aspect of the present invention, before the resident concludes a lease contract with the landlord, the resident determination basic information is input to the server.

[0011] According to a seventh aspect of the present invention, in the first aspect of the present invention, the server receives a result of the resident responding to the questionnaire survey on the health condition, and the server responds to the resident. Calculating an average value of the remaining life of the resident based on the result, and determining the remaining life of the resident.

According to an eighth aspect of the present invention, in the first aspect of the present invention, rent payment is guaranteed by a franchise system comprising a headquarters, a member store, and an agency.

According to a ninth aspect of the present invention, in the eighth aspect of the present invention, the server is installed in a headquarters of the franchise.

According to a tenth aspect of the present invention, in a lease agreement between a lessor and a lessee with respect to an object of the lease agreement for which a guarantee for debt has been reserved, if the lessee does not fulfill its obligations, A method of guaranteeing a debt on behalf of the lessee, wherein the step of inputting the lessee's determination basic information to a server, the server comprising: Determining the assurance rank using, the server calculates the contract conditions of the identity guarantee contract and the debt guarantee contract according to the determined assurance rank, and the server is based on the calculated contract conditions, Receiving the identity guarantee contract application information from the lessee and the debt guarantee contract application information from the lessor; Receiving unpaid information regarding the lessee based on the following, and accumulating it in a trouble database in the server; the server confirming the fulfillment status of the lessee's debt using the trouble database; A step of outputting information for guaranteeing the debt to the lessor on behalf of the lessee based on the fulfillment status of the debt.

[0015] The invention according to claim 11 is a method for renting a rental house in a lease contract between a landlord and a resident for a rental house for which a rent payment guarantee has been reserved.
A lease contract guarantee assurance device for guaranteeing payment of rent to the landlord on behalf of the resident, the guarantee rank calculation table, the trouble database, and the basic information for determining the resident of the rented house that has made the reservation. Means for inputting, a means for determining a guarantee rank using the above-described determination basic information and the guarantee rank calculation table, and a means for calculating contract conditions of an identity guarantee contract and a debt guarantee contract according to the determined guarantee rank. Means for receiving the identity guarantee contract application information from the resident based on the calculated contract terms and the debt guarantee contract application information from the landlord; Means for receiving information and storing it in the trouble database, and means for checking the rent delinquency status of the resident using the trouble database , Based on the delinquent situation, characterized by having a means for outputting the information for guaranteeing the payment of rent on behalf of the tenant with respect to the landlord.

According to a twelfth aspect of the present invention, in the invention of the eleventh aspect, there is provided means for confirming the number of delinquencies of the rent of the resident by using a trouble database;
By means of comparing the number of delinquencies, which is the standard number of delinquencies that guarantees the payment of the resident's delinquent rent, if the number of delinquencies reaches the limit, information for guaranteeing rent payment can be obtained. It is characterized by outputting.

According to a thirteenth aspect of the present invention, in accordance with the eleventh aspect of the present invention, there is provided means for receiving a result of the resident responding to the questionnaire survey on health condition, and The means for calculating the average value of the remaining life is used to determine the life expectancy of the resident.

According to a fourteenth aspect of the present invention, in the invention of the eleventh aspect, the rent is paid by a franchise system comprising a headquarters, a member store, and an agency.

The invention according to claim 15 is characterized in that, in the invention according to claim 14, the headquarters is installed so that a member store can use it.

According to a sixteenth aspect of the present invention, in the eleventh aspect of the present invention, there is provided means for providing information on rental housing.

According to a seventeenth aspect of the present invention, in a lease contract between a lessor and a lessee with respect to an object of the lease contract for which a debt guarantee has been reserved, if the lessee does not fulfill its obligations, A lease contract guarantee support device for guaranteeing a debt on behalf of the lessee, a guarantee rank calculation table, a trouble database, a means for inputting the lessee's determination basic information, Means for determining a guarantee rank using the above-mentioned guarantee rank calculation table, means for calculating contract conditions for an identity guarantee contract and a debt guarantee contract according to the determined guarantee rank, and Means for receiving identity guarantee contract application information from the lessee, debt guarantee contract application information from the lessor, and the lessee based on unpaid Means for receiving the unpaid information, and storing the information in the trouble database; means for confirming the fulfillment status of the lessee's debt using the trouble database; and providing the lessor with Means for outputting information for guaranteeing the debt on behalf of the lessee.

[0022]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an embodiment of a lease contract guarantee method and a lease contract guarantee support device according to the present invention. 1 to 16 show an embodiment of a lease contract guarantee method according to the present invention. The object of the lease contract here is a house, the lessee is a resident A of the rental house, and the lessor is a landlord B of the rental house. The debt of the resident A to the landlord B is payment of the rent of the rental house. The member store Y concludes an identity guarantee contract described below with the resident A, and provides a lease contract guarantee according to the present invention by concluding a debt guarantee contract described below with the landlord B. Here, the guarantor is a contract between the member store Y and the resident A that stipulates that the member store Y will be the guarantor of the resident A in the lease contract between the resident A and the landlord B. It is a contract. On the other hand, the debt guarantee agreement is a affiliation that stipulates that the franchisee Y guarantees the payment of the rent on behalf of the resident A to the landlord B under certain conditions if the resident A has late payment of the rent. This is a contract between the shop Y and the landlord B. Also, before signing a debt guarantee contract with the landlord B, the member store Y makes a reservation with the landlord B in advance for a debt guarantee. What is a debt guarantee reservation?
If resident A who wants to move into a rental house owned by landlord B (ie, resident A before concluding the lease agreement) concludes an identity guarantee contract with member store Y, landlord B becomes a member. This is a contract concluded between the member store Y and the landlord B, which stipulates an obligation to conclude a debt guarantee contract with the store Y. Here, the unit of the debt guarantee reservation is a unit of the rental house as a unit of the lease contract.

The provision of the lease contract obligation guarantee according to the present invention is a franchise system in which the member store Y is provided through the agency X with the support from the headquarters Z. That is, headquarters Z
Sets up member stores for each region (for example, prefectures)
Assist merchants in providing rental guarantees in the area. The franchisee can pay royalties to the headquarters Z and, with the support of the headquarters Z, can exclusively provide guarantees for lease contracts in the area. The contents of the support from the headquarters Z include the right to license patents, the right to use trademark rights, etc. regarding the guarantee of lease contract obligations, or the permission to use computer equipment. The franchisee establishes an agency (for example, for each municipality) in the area in which it is responsible, and assists the agency in conducting the business related to guaranteeing the lease contract, thereby allowing the franchise to enter the lease agreement through the agency. Provide a debt guarantee. The agency obtains a commission from the member store according to the performance of the agency. Here, member store Y is agent X
Provides a tenant A or a landlord B with a lease contract guarantee. The agency X is a real estate agent managing the rental house owned by the landlord B. However, the agency X does not necessarily need to be a real estate agent.
Note that the provision of the lease contract obligation guarantee according to the present invention does not necessarily need to be performed by the franchise method, and all of the three members of the headquarters Z, the member store Y, and the agent X in the following embodiment are one person. May be implemented.

An embodiment of a lease contract guarantee method according to the present invention will be described below with reference to the drawings. Figure 1
16 to 16 show the embodiments of the lease contract guarantee method according to the present invention. Prior to providing the lease guarantee, the member store Y first makes a reservation with the landlord B through the agency X for a guarantee. In other words, the agency X explains to the landlord B the contents of the lease contract debt guarantee provided by the member store Y, and recommends that the landlord B holds a debt guarantee for the rental house. If landlord B accepts the conclusion of the debt guarantee reservation, agency X notifies member store Y of that. The member store Y receives the notification from the agent X and concludes a debt guarantee reservation with the landlord B. In addition, when landlord B accepts the conclusion of the reservation, agent X may substitute the member store Y to conclude the debt guarantee reservation with landlord B.

When the debt guarantee reservation is concluded, the agency X
In the process of searching for a rental house, a prospective tenant A has a reservation for a debt guarantee for the rental house owned by landlord B. Explain that even if there is no one, if you can conclude an identity guarantee contract with merchant Y, you can conclude a lease contract,
Invite them to get a guarantee on the lease agreement with the rental house. FIG. 1 is a flowchart for explaining the contents of the lease contract debt guarantee. The agency X receives an inquiry from the occupant A about the lease contract debt guarantee (S101).
The agency X uses the explanatory pamphlet 11 or the like provided by the headquarters Z via the member store Y to give the applicant A a description of the contents of the identity guarantee contract and the debt guarantee contract related to the guarantee of the lease contract (P101). Do. When it is difficult for the agency X to answer the question from the tenant A, the agency X inquires of the member store Y (S102), obtains an answer (S103), and then obtains the answer (S103). (P1)
01). In addition, the inquiry from tenant A is the member store Y
May be directly received from the resident applicant A without going through the agency X.

When the member store Y receives an inquiry from the agency X (S102), the member store Y searches the Q & A database 1 (S104) and responds to the inquiry (P102) to reply to the agency X (S103). . Q & A database 1
Holds information for providing the contents of the questions received by the headquarters Z in the past and their answers to all the member stores including the member store Y, and is stored in a server (not shown) installed by the headquarters Z. It is in. The questions received in the past are those received by all member stores that have contracted with headquarters Z, including member store Y. The headquarters Z may prepare in advance questions and answers other than those received in the past. The member store Y receives an inquiry from the agent X (S1
02), report 13 as response to inquiry (P102)
Create and save. If the question received from the agency X is not in the Q & A database 1, the inquiry information is input to the Q & A database 1 using the terminal 12 (S106). The inquiry information is information to be input to the Q & A database 1. For example, the date when an inquiry is received from the agency X, information on the agency X (name, name of person in charge, etc.), contents of the question, and contents of the answer Etc. The headquarters Z determines the items of the inquiry information in advance. In addition, the terminal 12 is installed in the agency X so that the agency X can directly access the Q & A database 1, and when an inquiry is received from the applicant A, a search is made for a reference answer or content. Inquiry information may be input as the result of the explanation (P101). Since the Q & A database 1 can also connect the headquarters Z or the member store Y and grasp the result of the description of the contents of the agency X, the member store Y can use the Q & A database 1 for calculation of an agency fee, for example.

FIG. 2 is a flowchart for accepting an identity assurance application. FIG. 3 is a flowchart for determining a guaranteed rank. The agency X accepts an application for identity assurance from the applicant A (S201). When performing the application procedure (P201), the agency X performs a guaranteed rank determination (P301) shown in FIG. The guarantee rank determination (P301) is a process of determining a guarantee rank used for calculating contract conditions when concluding an identity guarantee contract and a debt guarantee contract. Guarantee rank judgment (P301) is for applicant A
Is performed using the basic information for the determination. The judgment basic information is information necessary for judging the guarantee rank, and includes, for example, the presence or absence of a relative of the applicant A, the health condition of the applicant A, the rent of the lease contract desired by the applicant A, and the like. Information. The headquarters Z determines the items of the determination basic information in advance.
The guarantee rank is determined based on the basic information for determination (P3
01), the terms and conditions of the identity guarantee contract and the debt guarantee contract are calculated. The contract terms are a guarantee fee paid by the resident applicant A to conclude an identity guarantee contract, a guarantee fee paid by the landlord B to conclude a debt guarantee contract, and an identity guarantee contract provided by the member store Y or This is the content of the debt guarantee contract. The member store Y can set the guarantee contents and the like for each applicant by performing the guarantee rank determination. The basic information for determination is provided by the applicant A to the agency X by self-report (S301).

Here, a method of determining a guaranteed rank will be described. FIG. 16 is an example of a guarantee rank calculation table used for calculating a guarantee rank. The basic judgment information is
Relative status, health status, and rent. (A) to (C) of FIG. 16 are point tables according to the presence / absence of the candidate A, the health condition of the candidate A, and the rent (rent), respectively. The agency X multiplies the points of each item by using these tables and calculates the guarantee rank of the applicant A. For example, if the relative is “Yes”, the health condition is “Slightly uneasy”, and the rent is “120,000 yen”, the point is 6 (= 1 × 2 × 3), and the guarantee rank is R5. Can be determined. Here, as shown in FIG. 16 (D), the guarantee rank has nine levels of R1 to R9, and the guarantee fee of R1 is low, and the higher the guarantee rank, the higher the guarantee fee, and R9 is the highest. Note that the guarantee fee for the identity guarantee contract and the debt guarantee contract may be defined as an amount for each guarantee rank, or may be defined as a rate by which the rent is multiplied. In other words, when the amount is set as an amount, the guarantee fee is the same for the same guarantee rank, and when the ratio is set, the guarantee fee is different if the rent is different even for the same guarantee rank. The guarantee fee may be determined by any other method.
May be set in the table shown in FIG. 7 or may be set in another table. Here, the guarantee rank determination is performed using one set of point tables 161, 162, 163, and 164. However, a plurality of sets of point tables may be used to selectively use each of the applicants. Good. That is, in the case of the first identity assurance contract, by changing the set of point tables used in the case of the second identity assurance contract and the like, the contract conditions can be changed in accordance with the term of the identity assurance contract. Further, the data (items, points, etc.) of the point table set in advance may be changed as appropriate according to the past usage status of the identity guarantee contract and the like. The method of determining the guaranteed rank is not limited to this,
The headquarters Z also determines the number of ranks as appropriate. Note that the guarantee rank determination is not necessarily performed after receiving the application for an identity guarantee contract, but the guarantee rank of the applicant A is determined in advance, and after the applicant A examines the result, the identity guarantee contract is determined. The application may be accepted.

The agency X determines the guarantee rank (P301).
Is performed, the result is notified to the applicant A (S30).
Along with 2), a report is made to headquarters Z (S303). Although the report to the headquarters Z is made via the member store Y, the report may be made directly to the headquarters Z. The resident applicant A receiving the result examines whether to conclude a debt guarantee contract. The headquarters Z that has received the result stores the guaranteed rank determination result information in the customer database 2 and the guaranteed rank database 3 in the server (S304). Here, the customer database 2 is a database for accumulating information on the resident A who is a contractor of an identity guarantee contract. The guarantee rank database 3 is a database for storing information necessary for calculating a guarantee rank or guarantee rank determination result information. Further, the guaranteed rank determination result information is information on the result of the guaranteed rank determination, and includes basic determination information of the applicant A, the guaranteed rank, and the like. The headquarters Z determines the items of the guaranteed rank determination result information in advance. Here, the agency X is the point table 161, 1
The guaranteed rank is determined using 62, 163, 164,
The guarantee rank determination result information is reported to the headquarters Z (S303), but separately from the headquarters Z to the agency X.
A terminal that can be connected via a computer network may be installed on the server, and basic determination information may be input from the terminal, and a guaranteed rank determination may be made using the point tables 161, 162, 163, and 164 in the server.

After finishing the guarantee rank determination, the agency X performs an application procedure (P201). As a result of the application procedure, the receipt receipt 21 concerning the identity guarantee contract and the application form 2
2. The contract 23 is issued (S202), and the agency X stores the application form 22 and the copies 24 and 25 of the contract 23 (S202).
203). Next, the agency X notifies the member store Y of the identity guarantee contract application information (S204). The identity guarantee contract application information is information relating to the application for an identity guarantee contract, and includes information on the applicant A (name, contact information, etc.) and information on the rental property (name, contact information, rent, etc. of the landlord B). . The headquarters Z determines the items of the identity guarantee contract application information in advance. Merchant Y
Receives the notification from the agency X (S204), and accepts the application (P202). Merchant Y accepts the application (P20
In 2), the landlord B is requested to conclude a debt guarantee contract, and an application for a debt guarantee contract is received (S207).
The identity guarantee contract application information and the debt guarantee contract application information notified from the agency X are input using the terminal 26, and are notified to the headquarters Z (S205). Here, the debt guarantee contract application information is information on landlord B's application for a debt guarantee contract. Method, etc.). The headquarters Z determines the items of the debt guarantee contract application information in advance. The landlord B confirms that the applicant A has applied to the member store Y for the conclusion of the identity guarantee contract, pays the guarantee fee of the debt guarantee contract to the member store Y, concludes the debt guarantee contract, and A lease contract with the guarantor of the applicant A as the member store Y is concluded with the applicant A. When the headquarters Z receives the notification from the member store Y (S205), the reception processing (P
203) is performed. The reception process (P203) stores the identity guarantee contract application information and the debt guarantee contract application information received from the member store Y in the customer database 2 and the application status database 4 in the server (S206), and creates an application list. There is a process to save. The application list includes an application list (daily) 27D and an application list (monthly) 27M. The application status database 4 stores the date on which the application for the conclusion of the identity guarantee contract or the debt guarantee contract is accepted, the contract period, the guarantee fee, and the like.

FIG. 4 is a flowchart of the depositing process and the receiving process. The process after the headquarters Z receives the identity guarantee contract application information and the debt guarantee contract application information will be described with reference to FIG. The agency X sends the guarantee fee for the identity guarantee contract received from the resident applicant A in the application procedure (P201) to the member store Y (S401) and sends the guarantee fee to the member store Y (P40).
Perform 1). The member store Y performs a payment process (P402) for confirming that the guarantee fee of the identity guarantee contract sent from the agent X matches the information in the application status database 4. As a result of the deposit processing (P402), the member store Y confirms that the guarantee fee of the identity guarantee contract and the information in the application status database 4 match, and completes the conclusion of the identity guarantee contract with the applicant A. Guarantees 41 and 42 for certifying that the contract has been made are issued to the applicant A and the landlord B (S403), and a receipt 43 of the guarantee fee of the identity guarantee contract is issued to the landlord B (S403). ). The prospective tenant A confirms that the guarantor 41 has concluded the identity guarantee contract and the debt guarantee contract, that is, the prospective tenant A and the landlord B
Can be confirmed by the fact that the member store Y has become the guarantor of the resident applicant A. On the other hand, the landlord B uses the guarantee 42 to indicate that in the lease contract between the landlord B and the applicant A, the member store Y will be the guarantor of the applicant A and make a guarantee based on the debt guarantee contract. Confirm. In addition, if the rent is not paid by the renter A, the guarantee 42 shows that the rent for the delinquent rent and the rent after that will be The conditions for the member store Y to fulfill the debt guarantee contract, such as the member store Y paying the rent until the person A leaves, are described.

The member store Y performs a reception process (P403) using the customer database 2 and the application status database 4 to notify the member store Y and the agency X of the application result.
The reception process (P403) includes a daily process and a monthly process. In the daily process, application lists (daily) 43D and 44D are created, and in the monthly process, application lists (monthly) 43M and 43M are created.
Create 4M. The application lists 43D and 43M are sent to the agency X, and the application lists 44D and 44M are sent to the member store Y (S404).

FIG. 5 is a flowchart of the monthly processing. The resident A in the figure is the same as the resident applicant A in FIGS. 1 to 4. The member store Y pays the agency commission 51 to the agency X according to the result of the number of contracts that the agency X has commissioned (S503). On the other hand, the member store Y pays the royalty 52 to the headquarters Z (S504). However, the royalty 52 fluctuates according to the actual number of contracts handled by the member store Y. That is, the headquarters Z
Royalty 5
Calculated as 2. The member store Y uses the customer database 2 and the application status database 4 to calculate the results of the agency X and the member store Y, and performs monthly processing for calculating the agency commission 51 and the royalty 52 according to the results ( P501)
I do. The member store Y confirms that the result of the result calculated in the monthly processing (P501) matches the application list (monthly) 43M, and pays the agency commission 51 (S503).
In addition, it confirms that it matches the application list (monthly) 44M, and pays the royalty 52 to the headquarters Z (S504).
The payment of the commission 51 and the royalty 52 is monthly, but is not necessarily limited to this.

A method in which the member store Y guarantees the payment of the rent delinquent by the resident A based on the debt guarantee contract will be described with reference to FIGS. FIG. 6 is a flowchart of the payment confirmation process. The member store Y performs a payment confirmation process (P601) in order to request the landlord B to check whether the resident A has paid the rent. In the payment confirmation process (P601), a payment confirmation list 61 and a blacklist 62 are created using the customer database 2 in the server and the trouble database 5 described later. Merchant Y
The payment confirmation list 61 and the black list 62 are sent to the landlord B (S601). Here, the payment confirmation list is information indicating an object to be confirmed, and information (name,
Contact information, rent, etc.). Also, the blacklist is
This information is used as a reference when confirming payment, and includes information such as whether or not the rent has been delinquent in the past or is currently being delinquent among the objects of the payment confirmation. The contents of the payment confirmation list and the black list are determined in advance by the headquarters Z. Landlord B
Performs rent payment confirmation (P602) based on the payment confirmation list 61 and the blacklist 62. It is confirmed whether or not the resident A listed in the payment confirmation list 61 has paid the rent. If payment has not yet been made, the past delinquency status and the like can be confirmed from the black list 62.

FIG. 7 is a flowchart of a payment confirmation process when the resident A has not paid the rent. Landlord B
Confirmed the rent payment (P602) and found that resident A
If you have not paid your rent,
01), and notifies the agency X of the unpaid information (S701). The unpaid information is information required for the landlord B to request the member store Y to pay the rent,
Information about tenant A who has delinquent rent (name, contact information,
Rent). The headquarters Z determines the contents of the unpaid information in advance. Upon receiving the unpaid information from the landlord B, the agency X first confirms whether or not the resident A has paid (S70).
2) is performed, and if payment is made, the processing is completed (S70).
3) If there is no payment, the non-payment information is notified to the member store Y (S704), and a payment confirmation process (P702) is performed. The confirmation of the presence or absence of payment (S702) is performed by requesting the resident A to present the certificate 71. Here, the certificate 71 is a document such as a result of a bank transfer or a document such as a rent ledger for certifying that the resident A paid the rent to the landlord B.

When the member store Y receives the notification of the unpaid information from the agency X (S704), the member store Y inputs the unpaid information to the trouble database 5 using the terminal 72 (S705).
An acceptance process (P703) is performed. Trouble database 5
Means that information relating to the rent delinquency of the resident A is accumulated.

The headquarters Z performs a rent delinquency check process (P705) for confirming the rent delinquency status of the resident A using the trouble database 5. The rent delinquency check process (P705) is performed once a month, but is not limited to this. Note that the headquarters Z performs subsequent processing according to the number of delinquencies (that is, the number of delinquent months), but here, the number of consecutive delinquencies is used. FIG. 8 is a flowchart of the rent delinquency check process (P705). The number of delinquencies is one, that is, whether payment was made in the previous month but payment was not made this month (P801).
If there is a delinquency (S802), the number of delinquencies is confirmed (P8).
02,803,804). One time delinquency (S803)
If so, primary processing (P1001), twice (S805)
If it is, the secondary process (P1101), the tertiary process (P1201) if it is performed three times (S807), and the quaternary process (P1301) if it is performed four or more times (S808). When the resident A has paid the rent that has been delinquent, payment confirmation processing is performed and information in the trouble database 5 is updated. FIG.
9 is a flowchart of a payment confirmation process. When landlord B confirms that resident A has paid the delinquent rent (P901), agency X receives notification of payment confirmation information from landlord B (S901), and receives payment (P902).
To notify the member store Y of the payment confirmation information (S90
2). The member store Y inputs payment confirmation information into the trouble database 5 using the terminal 91 (S903). When the payment confirmation information is input (S903), the information is canceled with the above-mentioned non-payment information accumulated in the trouble database 5.
Note that if the resident A has paid off the delinquent rent and the delinquent rent has disappeared, and the rent has not been delinquent for the delinquent rent for the next month, the number of delinquencies is returned to zero.

The processing according to the number of delinquencies will be described below. FIG. 10 is a flowchart of the primary processing (P1001). The headquarters Z sends the rent delinquent postcard (delivery certificate) 101 to the resident A (S1001). This is for notifying the resident A of the fact of delinquency. This is because tenant A may have forgotten the date of payment of the rent. The headquarters Z sends the rent delinquent postcard shipping list 102 to the member store Y.
Is sent (S1002). This is for notifying that the headquarters Z has sent the rent delinquent postcard 101 to the resident A to the member store Y.

FIG. 11 is a flowchart of the secondary processing (P1101). The headquarters Z sends a content certificate (delivery certificate) 111 to the resident A (S1101). This is in order to strongly demand that the resident A fulfill the contract. Also,
The headquarters Z sends the content certification dispatch list 112 to the member store Y (S1102). Inform the member store Y that the number of delinquencies of the resident A is two times,
This is to indicate that it is necessary to perform a delinquent improvement process (P1201) described later as the next process.

FIG. 12 is a flowchart of the tertiary processing (P1201). Merchant Y is the content proof shipping list 1
12 and the non-payment information received from the agency X (S704), when it is confirmed that the number of delinquencies has reached three, the delinquent improvement process (P1201), which is a tertiary process, is performed. The delinquency improvement processing (P1201) will be described. First, member store Y
Exchanges evacuation cooperation letter 121 with landlord B (S1
201). The departure cooperation document 121 is that the landlord B approves that the resident A will leave, and that the landlord B is the member store Y
Is a document for confirming between the member store Y and the landlord B to request that the tenant A advise the resident A on behalf of the landlord B. On the condition that the departure cooperation document 121 has been exchanged, the member store Y pays the landlord B for the delinquent rent 120 that the resident A has delinquent (S1202). Further, the member store Y has the resident A, the evacuation pledge 122 and the payment pledge 123
Are exchanged (S1203). The withdrawal pledge 122 is for causing the resident A to confirm the fact that if the lender is delinquent thereafter, he / she will be withdrawn. In addition, the payment confirmation 123 is a tenant A that the rent is paid to the member store Y instead of the landlord B, and that the rent is paid without delay.
This is to make sure. It should be noted that it is prescribed in advance in an identity guarantee contract that the departure is made when the number of delinquencies becomes four. The member store Y prepares a visit report 124 after exchanging the evacuation pledge 122 and the payment confirmation 123 with the resident A, and sends it to the landlord B together with the evacuation pledge 122 and the copy 127 of the evacuation cooperation ( S1205). The visit report 124 is for notifying the landlord B and the headquarters Z that the tenant A has been instructed not to delinquently pay the rent thereafter and that he has confirmed that he will leave if the tax is delinquent. belongs to. The merchant Y sends the headquarters Z a visit report 125, a departure pledge 126, and a departure cooperation document 12
1. Send the payment confirmation 123 (S1206). This is for reporting to the headquarters Z the result of performing the delinquency improvement processing (P1202). The visit report 125 is a copy of the visit report 124. The evacuation pledge 126 is a copy of the evacuation pledge 122.

FIG. 13 is a flowchart of the fourth processing (P1301). The headquarters Z confirms whether or not there is an intention to pay a rent to the resident A (S1301). If there is no intention to pay the resident A, the headquarters Z instructs the member store Y to perform an evacuation process (P1302) (S130).
1302). On the other hand, if there is an intention to pay to the resident A, another company is introduced (S1308), and payment of the delinquent rent is requested. The other company is a loan company or the like, and is a company that assists the resident A in paying the delinquent rent. The member store Y pays an additional rent to the landlord B by the departure process (P1302) (S1303). The additional rent is a rent until the resident A leaves. The member store Y requests the resident A to leave based on the evacuation pledge 126 and the payment confirmation 123 exchanged in the above-mentioned tertiary processing (S1306). Sends the guarantee contract cancellation notice 131 indicating that the debt guarantee contract with tenant A is canceled to agency X
(S1304). The agency X sends the guarantee contract cancellation notice 131 to the resident A (S1305). The member store Y also updates the contents of the trouble database 5 (S1307). This is a process associated with the cancellation of the debt guarantee contract with the resident A. If the resident A does not respond to the departure, the member store Y continues to pay the rent to the landlord B until the resident A leaves. It is based on a debt guarantee agreement with landlord B. Meanwhile, the member store Y continues to request the resident A to pay the rent.

The number of delinquencies as a reference for the member store Y to pay the delinquent rent on behalf of the resident A is called a limit number. That is, in the case of the present embodiment, the limit number is three, and when the number of delinquencies reaches the limit number of three, the member store Y pays the landlord arrears rent to the landlord B, and the subsequent rent to the resident A. Pay landlord B instead. Note that the maximum number of times is not limited to three, and the headquarters Z determines in advance before concluding a debt guarantee contract. In addition, it is not necessary to make the number of times the same for all tenants, and the number of times may be changed according to the above-mentioned guaranteed rank.

According to the above-described embodiment, in the lease contract between the landlord B and the resident A with respect to the rented house for which the rent payment guarantee has been reserved, if the resident A is late for the rent, A method of guaranteeing the payment of a rent to the landlord B on behalf of the resident A, wherein the step of inputting the basic determination information of the resident A of the reserved rental house to the server, the server comprising: Determining the guarantee rank using the determination basic information and the guarantee rank calculation table in the server; andthe server calculating the contract conditions of the identity guarantee contract and the debt guarantee contract according to the determined guarantee rank. Receiving the identity guarantee contract application information from the resident A and the debt guarantee contract application information from the landlord B based on the calculated contract conditions; The server receiving unpaid information on the resident A based on the unpaid notification from the landlord B and storing the information in the trouble database 5 in the server; A step of confirming the rent delinquency status of the resident A and a step of the server outputting information for guaranteeing payment of the rent on behalf of the resident A to the landlord B based on the delinquency status Therefore, even if the resident A has no relative or acquaintance who can be the guarantor, the resident A can conclude a lease contract by concluding an identity guarantee contract, while the landlord B
As a result, the rent until the resident A leaves is guaranteed by concluding a debt guarantee contract.

The rent delinquency check processing described above (P7
04) is an embodiment following the primary processing to the quaternary processing depending on the number of continuous rent delinquencies, but the embodiment of the rent delinquency check processing (P704) is not limited to this. As another embodiment, the primary processing to the quaternary processing may be performed according to the total number of delinquencies after the resident A concludes the identity guarantee contract, instead of the continuous number of delinquencies. Alternatively, as another embodiment, a point is set for the number of delinquencies, and when the resident A has delinquently paid a rent, a point corresponding to the number of delinquencies is added. Processing corresponding to the next processing to the fourth processing may be performed. Here, as an example of a point setting method, a plurality of points may be set for one delinquency count according to the amount of rent or the guarantee rank.

Next, a questionnaire survey conducted by the headquarters Z for the resident A will be described. The headquarters Z periodically conducts a questionnaire survey on the health status of the resident A during the conclusion of the debt guarantee contract. FIG. 14 is a flowchart of a health check process (P1401) based on a questionnaire survey. First, the headquarters Z sends and collects a health examination questionnaire (survey form) 141 to the resident A (S1).
401). In the health check process (P1401), the remaining life of the resident A is calculated based on the result of the collected health examination questionnaire (survey form) 141 using the life expectancy database 6 in the server. This is for checking the health condition of the resident A periodically. Here, the life expectancy database 6 is a health examination questionnaire (survey form)
Based on the response result of 141, information necessary for calculating the average value of the remaining life of the resident A who is the respondent is stored. Examples of the necessary information include a list of points set for each question item of the health examination questionnaire (survey form) 141, and a list of average values of the remaining lives according to the total points of the respondents. Health check processing (P140
As an example of 1), a health examination questionnaire (survey form) 1
The respondent answers "yes" or "no" to 41, calculates the total points set in the question item "yes", and calculates the remaining life according to the total points.
The response of the resident A to the health examination questionnaire (survey form) 141 or the average value of the calculated remaining life may be stored in the customer database 2.
This is because, by accumulating the results of the questionnaire survey, it is possible to grasp the transition of the health condition of the resident A.

The headquarters Z performs a health check process (P140).
Subsequent to 1), check result processing (P1501) is performed. FIG. 15 is a flowchart of the check result processing (P1501). First, the headquarters Z prepares a health status report. This is for notifying the person concerned of the result of the health check process. The health status report includes a health status report (for member stores) 151, a health status report (for landlords) 152, a health status report (for families) 153, and a health status report (for the person)
The headquarters Z sends them all to the member store Y (S1501). However, if the resident A has no relatives, the health status report (for family) 153 is not created. The member store Y receives a health status report (for member stores) 151
Store. This is for grasping the health status of the resident A. The member store Y sends a health status report (for landlord) 152, a health status report (for family) 153 to the landlord B,
Send the health status report (for the individual) 154 (S150)
2). Landlord B keeps a health status report 152 (for landlord). This is for grasping the health status of the resident A. The landlord B sends a health status report (for family) 153 and a health status report (for himself) 154 to the resident A (S1503). This is for making the resident A himself / herself aware of the health status. The headquarters Z may directly send the health status report (for the landlord) 152 to the landlord B and the health status report (for the individual) 154 to the resident A without going through the member store Y.

Next, as a result of the health check process, resident A
If it is determined that there is a problem, such as that the patient is sick, a request is made to the member store Y for illness treatment (P1502) (S150).
1502). The sickness process (P1502) is a process for dealing with a problem that the resident A has, such as being sick. For example, if the resident A has no relative and no acquaintance in the vicinity, the resident A is advised to provide a service such as visiting the home for nursing care or assisting in going to the hospital. Also, if the resident A is an elderly person and is judged to have a short life expectancy, the necessary information to cope with the emergency, such as a living contract 155, a contact list 156, an identity guarantee 157, etc. Exchange with resident A, resident A
The tenant A is advised to provide the service according to the intention of the resident A.

The questionnaire survey may be aimed at collecting personal information of the resident A in addition to the health check of the resident A. An example of the personal information is the occupation history of the resident A or a hobby. The headquarters Z uses the collected personal information to arrange a job for the resident A, or
It is possible to provide services such as hosting circle activities between persons having the same hobby. Note that the collected personal information is not limited to a person who has concluded a debt guarantee contract, but may be made public.

According to the above-described embodiment, the resident A
Receiving the result answered by the server; and
Calculating the average value of the remaining life of the resident A based on the result of the response by the resident A. Preventive measures (such as providing nursing care services if ill) can be implemented to prevent accidents, such as when the elderly are not relatives. The burden of distributing can be reduced.

In the embodiments shown in FIGS. 1 to 16, the object of the lease contract is a house, but the object of the lease contract is not limited to this, but is the object of the lease contract. Anything is fine.

In the embodiment described above, in the lease contract between the lessor and the lessee with respect to the object of the lease contract for which the debt guarantee has been reserved, if the lessee does not fulfill the obligation, A method for guaranteeing a debt on behalf of the lessee, wherein the basic information of the lessee is input to a server; and
A step of determining a guarantee rank using the determination basic information and the guarantee rank calculation table in the server; and a step in which the server calculates contract conditions of an identity guarantee contract and a debt guarantee contract according to the determined guarantee rank. Receiving the identity guarantee contract application information from the lessee and the debt guarantee contract application information from the lessor based on the calculated contract conditions, and Receiving the non-payment information on the lessee based on the unpaid notification and storing the information in the trouble database in the server; and the server confirming the fulfillment status of the lessee's debt using the trouble database. And the server guarantees the debt to the lessor on behalf of the lessee based on the performance of the debt. And the step of outputting information for the tenant, the lessee can enter into a lease agreement by entering into an identity guarantee contract, while the lessor releases the lease agreement by entering into a debt guarantee agreement Up to rent is guaranteed.

In the embodiments shown in FIGS. 1 to 16,
This is an example in which the applicant A selects a rental house for which the member store Y has reserved a debt guarantee in advance. On the other hand, after the prospective resident A selects a rental house in which the franchisee Y has not made a reservation for the debt guarantee in advance, the franchisee Y becomes the landlord B in response to an application for an identity guarantee contract from the prospective resident A. And a debt guarantee contract may be concluded.

Further, in the embodiment shown in FIGS. 1 to 16, the resident A accepts the application for security assurance before concluding the lease contract with the landlord B. However, after the lease contract is concluded, the member store Y By accepting the identity guarantee contract from the resident A, a lease contract debt guarantee may be provided to the lessor and the lessee who have already concluded the lease contract.

The identity guarantee contract described above is
Although the contract is for the member store Y to assume the guarantor of the resident A, the member store Y may provide other services to the resident A. Examples of additional services include the burden of expenses necessary to restore the current status of rental housing, necessary processing when resident A dies (submission of death notice, burial permission, corpse disposal, etc.), singles, elderly, For example, a telephone call for confirming the daily living situation to the resident A who is not in good health, or a payment of a utility fee paid by the resident A, etc.

An embodiment of a lease contract guarantee support apparatus for supporting the lease contract guarantee method described above will be described below. FIG. 17 is a block diagram illustrating an embodiment of a lease contract obligation guarantee support apparatus according to the present invention. The lease contract guarantee assurance support device E100 includes an identity guarantee application reception unit C10 as a component therein.
1. Guarantee rank determination unit C102, contract condition calculation unit C10
3. Customer database D2, guarantee rank database D
3 and an application status database D4. These components are used by a computer program in the lease contract liability guarantee support device E100 (not shown). Examples of computer programs include, but are not limited to, so-called workflow software. In addition, the lease contract debt guarantee support device E
100 includes a data input unit E101 and a data output unit E1.
02. Examples of the data input unit E101 include:
A keyboard or an information storage medium such as a floppy (registered trademark) disk or the like, and examples of the data output unit E102 include a display device or a printer device, and a plurality of these devices may be provided. The configuration can be changed as appropriate. An example of the lease contract guarantee support apparatus E100 is an information processing terminal represented by a personal computer, but is not limited thereto.

The agency X uses the lease contract debt guarantee support apparatus E100 to perform the application procedure (P20) shown in FIGS.
1), a guarantee rank determination (P301) is performed. First, when an application for identity assurance is received from applicant A (S201),
Identity guarantee contract application information is input from the data input unit E101. The lease contract debt guarantee support device E100 receives the identity guarantee contract application information input by using the identity guarantee application receiving unit C101, and stores the information in the customer database D2.
Next, in order to perform a guaranteed rank determination (P301), basic determination information of the applicant A is input from the data input unit E101. The lease contract obligation guarantee support apparatus E100 receives the judgment basic information input by using the guarantee rank judgment unit C102, and receives a point table 161, which is a guarantee rank calculation table.
The assurance rank of the applicant A is calculated using the assurance rank database D3 in which 162, 163 and 164 are stored. The determination basic information is the presence or absence of the relative of the applicant A, the health condition of the applicant A, and the rent (rent). The calculated result is output to the data output unit E102. Also,
The contract condition calculation unit C103 calculates contract conditions based on the calculated guarantee rank, and outputs the calculated contract conditions to the data output unit E102. Subsequently, the lease contract guarantee assurance support device E100 uses a processing unit (not shown) to execute a receipt 21 and an application form 22.
And its copy 24 and the contract 23 and its copy 25 are output (S
202, S203), and then transmits the identity guarantee contract application information to the application status database D using the identity guarantee application receiving unit C103.
4 and the application procedure (P201) is completed. It should be noted that the member store Y of the guarantor A's identity guarantee application information stored in the customer database D2 and the application status database D4.
(S204), another means such as mailing is used without using the lease contract obligation guarantee support apparatus E100. According to the present embodiment, the lease contract debt guarantee support device E1
00 provides a function necessary for the application procedure (P201) performed by the agency X and the guarantee rank determination (P301). Therefore, the agency X uses the lease contract debt guarantee support device E100 to perform the application procedure (P20
1) and the guaranteed rank determination (P301) can be easily and accurately performed. When the method of determining the guaranteed rank is changed, the contents of the guaranteed rank database D3 necessary for the guaranteed rank determination (P301) (for example, the point table 16)
1, 162, 163, 164) may be replaced, and the agency X is less burdened by changing the determination method.

According to the embodiment shown in FIG.
A lease contract between the tenant A and the resident A, for supporting the lease contract debt guarantee to guarantee the landlord B to pay the rent when the resident A does not pay the rent. An identity assurance application receiving unit C101 for receiving an identity assurance application from A, an assurance rank determination unit C102 for performing an assurance rank determination using an assurance rank calculation table based on the resident A's determination basic information, The agent X uses the lease contract obligation guarantee support device E100 having the contract condition calculation unit C103 for calculating the contract condition of the identity guarantee contract and the contract condition of the debt guarantee contract based on the result. , And guarantee rank determination can be easily and accurately performed. Further, when the method of determining the guarantee rank is changed, the contents of the guarantee rank database D3 necessary for the determination of the guarantee rank may be replaced, and the burden on the agency X regarding the change of the determination method is small.

Here, the object of the lease contract in the lease contract guarantee method provided by using the apparatus shown in FIG. 17 is not limited to the house, but may be any object to be covered by the lease contract. In other words, in a lease agreement between the lessor and the lessee, a device for supporting a lease contract debt guarantee that guarantees the lessor the burden of the debt when the lessee does not fulfill the debt, An identity assurance application receiving unit that accepts an application for identity assurance from a lessee, an assurance rank determination unit that performs an assurance rank determination based on the lessee's basic determination information, and an agreement for an identity assurance contract based on the results of the above assurance rank determination Having a contract condition calculation unit that calculates conditions and contract conditions of a debt guarantee contract makes it possible to easily and accurately perform identity guarantee reception, guarantee rank determination, and calculation of contract conditions for an identity guarantee contract and a debt guarantee contract. .

FIG. 18 is a block diagram showing another embodiment of the lease contract obligation guarantee support apparatus according to the present invention. The lease contract liability guarantee support apparatus E200 includes therein, as constituent elements, an identity guarantee application reception unit C201, a guarantee rank determination unit C202, a contract condition calculation unit C203, a customer database 2, a guarantee rank database 3, and an application status database 4. Have. These components are used by a computer program in the lease contract liability guarantee support device E200 (not shown). Examples of computer programs include so-called workflow software. If the workflow software is used, the lease contract guarantee support device E300 described later
Can be automated, so that the processing can be speeded up. Each of the identity assurance application receiving unit C201, the assurance rank determining unit C202, and the contract condition calculating unit C203 includes the assurance application receiving unit C101 shown in the embodiment of FIG.
It provides a function equivalent to the guarantee rank determination unit C102 and the contract condition calculation unit C103. That is, the lease contract debt guarantee support device E200 includes the identity guarantee application reception unit C
201, an identity guarantee application is accepted, the identity guarantee contract information is stored in the customer database 2 and the application status database 4, and the assurance rank is determined based on the determination basic information and the assurance rank database 3 using the assurance rank determination unit C202. Then, the contract condition of the identity guarantee contract and the contract condition of the debt guarantee contract are calculated according to the guarantee rank calculated using the contract condition calculation unit C203. An example of the lease contract debt guarantee support device E200 is an information processing terminal represented by a personal computer, but is not limited thereto. Also,
The data input unit E101 and the data output unit E102 in FIG.
A data input / output device E210 having therein a data input unit E201 and a data output unit E202 which provide functions equivalent to
It is connected to the lease contract guarantee assurance support device E200 through the connection 200. The means for connecting includes WEB or electronic mail, but is not limited to these.
Information input from the data input unit E201 is transmitted to the lease contract guarantee support apparatus E200 via the computer network N200. The data output unit E2
02 is output from the lease contract guarantee support apparatus E200 via the computer network N200.
Sent from Further, the data input / output device E220
Also has a data input unit E203 and a data output unit E204, and can be connected to the lease contract liability guarantee support device E200 via the computer network N200. 4 can be referred to. Note that the means for connecting includes WEB and electronic mail, but is not limited thereto. Examples of the computer network N200 include the Internet, a dedicated line, a wireless communication network for a public telephone network (PSTN), a mobile phone, and the like, as well as a satellite communication network and a CATV.
Although there are networks and the like, the present invention is not limited to these, and a communication network combining these may be used. Examples of the data input / output devices E210 and E220 include an information processing terminal represented by a personal computer, a mobile phone, and a so-called PDA.
Although there is a portable information processing terminal represented by a terminal, the present invention is not limited thereto, and the lease contract guarantee support device E200 is provided via the computer network N200.
Anything can be used as long as it can exchange information. According to the present embodiment, since the head office Z operates and manages the lease contract guarantee assurance support device E200, the agency X uses the data input / output device E210 to perform the application procedure (P201) and the guarantee rank determination ( P301), the agency X does not need to manage the identity guarantee contract application information and the point tables 161, 162, 163, and 164 for calculating the guarantee rank determination. It is no longer necessary to notify the headquarters Z of contract application information by mail or the like.
Therefore, it is possible to reduce the burden of the agency X's agency work, and it becomes easier for member stores to recruit an agency, increasing the number of agents and expanding the area where the lease contract guarantee is provided. can do. In addition, member store Y
Can use the data input / output device E220 to refer to the identity guarantee contract application information and the like input by the agency X to the lease contract guarantee support device E200 using the data input / output device E210. The agency status of X can be checked, so that the commission of the agency can be easily calculated and the like, so that the burden on the administrative business of the agency in charge can be reduced.

FIG. 19 is a block diagram showing still another embodiment of the lease contract debt guarantee support apparatus according to the present invention. The lease contract guarantee assurance support device E300 includes, as a component, an identity assurance application reception unit C30.
1. Guarantee rank determination unit C302, contract condition calculation unit C30
3. Contract conclusion part C304, obligation fulfillment confirmation request part C30
5. Debt fulfillment information receiving unit C306, debt default notification unit C
307, debt burden processing unit C308, trouble processing unit C3
09, object information providing unit C310, Q & A database 1, customer database 2, guarantee rank database 3,
It has an application status database 4, a trouble database 5, and a life expectancy database 6. These components are used by a computer program in the lease contract liability guarantee support device E300 (not shown). Examples of computer programs include so-called workflow software. If the workflow software is used, the lease contract guarantee support device E300 described later
Can be automated, so that the processing can be speeded up. Each of the identity assurance application receiving unit C301, the assurance rank determining unit C302, and the contract condition calculating unit C303 is an identity assurance application receiving unit C10 in the embodiment of FIG.
1. Guarantee rank determination unit C102, contract condition calculation unit C10
Provides functions equivalent to 3. That is, the lease contract guarantee assurance support device E300 includes the identity assurance application receiving unit C301.
And accepts the identity assurance application, stores the identity assurance contract information in the customer database 2 and the application status database 4,
The guarantee rank is determined based on the determination basic information and the guarantee rank database 3 using the guarantee rank determination unit C302, and the contract condition and the debt guarantee of the identity guarantee contract according to the guarantee rank calculated using the contract condition calculation unit C303. Calculate the contract terms of the contract. Lease contract debt guarantee support device E30
An example of 0 is an information processing terminal represented by a personal computer, but is not limited to this. Each of the data input / output devices E301, E302, E303, and E304 has a data input unit and a data output unit (not shown), and is connected to the lease contract guarantee support device E300 via the computer network N300. The means for connecting includes WEB or electronic mail, but is not limited thereto. Examples of the computer network N300 include, but are not limited to, the Internet, a dedicated line, a wireless communication network for a public telephone network (PSTN), a mobile phone, and the like, as well as a satellite communication network and a CATV network. Instead, a communication network combining these may be used. The data input / output device E301 is used by the resident applicant A (the resident A) to exchange information regarding the identity guarantee contract with the member store Y. The data input / output device E302 is used by the landlord B to exchange information regarding the debt guarantee contract with the member store Y. The data input / output device E303 is used by a bank in which the member store Y has an account to exchange information regarding the debt guarantee contract with the member store Y. Data input / output device E304
Means that the member store Y has a lease contract debt guarantee support device E300
Used to refer to the information on the identity guarantee contract or debt guarantee contract held by the company. Data input / output device E3
Examples of 01, E302, E303, and E304 include an information processing terminal represented by a personal computer and a portable information processing terminal represented by a mobile phone or a so-called PDA terminal, but are not limited thereto. Any device can be used as long as it can exchange information with the lease contract debt guarantee support device E300 via the computer network N300.

The lease contract debt guarantee support device E300 is
By using the contract conclusion unit C304, exchange of debt guarantee contract application information with the landlord B is performed (S207). In addition, the lease contract debt guarantee support apparatus E300 uses the contract conclusion unit C304 to check whether the application status database 4 matches the guarantee fee of the identity guarantee contract or the debt guarantee contract. The payment result information is received from E303. The deposit result information is information on a guarantee fee of an identity guarantee contract transferred by the applicant A to the member store Y or a guarantee fee of a debt guarantee contract transferred by the landlord B to the member store Y. Information (Applicant A, or
Landlord B's name, contact information, etc.), transfer amount, and the like. Here, the reception of the payment result information may be performed by connecting the lease contract debt guarantee support device E300 to the data input / output device E303, or the data input / output device E303 transmits the lease contract debt guarantee support device E300. You may make it. Further, the lease contract debt guarantee support device E30
0 uses the contract conclusion unit C304 to confirm that the information in the application status database 4 matches the payment result information, and notifies the data input / output devices E301 and E302 of that (S403). The contents of the information to be notified correspond to the contents of the guarantees 41 and 42 and the receipt 43.

The lease contract debt guarantee support device E300 is
The payment confirmation list 61 and the blacklist 62 are sent to the data input / output device E302 by using the obligation fulfillment confirmation request unit C305.
Is transmitted to perform the payment confirmation processing (P601). Note that the information of the payment confirmation list 61 and the blacklist 62 may be held in the lease contract guarantee assurance support device E300 and browsed from the data input / output device E302. Moreover, the lease contract obligation guarantee support apparatus E300 performs a rent delinquency check process (P705) using the obligation fulfillment confirmation requesting unit C305.

The lease contract debt guarantee support device E300 is
The unpaid information is received from the data input / output device E302 using the debt fulfillment information receiving unit C306, and the payment confirmation processing (P
702), acceptance processing (P703) and DB management (P70
Perform 4).

The lease contract debt guarantee support device E300 is
By using the default notification unit C307, information indicating that the rent is in arrears is transmitted to the data input / output device E301 to perform the primary processing (P1001) and the secondary processing (P1101). The contents of the information to be transmitted include the rent delinquent postcard 101 shown in FIG. 10 or the content certificate 1 shown in FIG.
It corresponds to 11.

The lease contract debt guarantee support device E300 is
Using the debt burden processing unit C308, based on the information in the trouble database 5, the rent that the resident A who should pay for the landlord B is in arrears is calculated, and the data input / output device E3
03, and transmits the transfer request information. The transfer request information is information necessary for paying the rent of the resident A borne by the member store Y to the landlord B, information on the transfer source (name of the member store Y, contact information, etc.), information on the transfer destination (Name of landlord B, contact information, number of bank account opened by landlord B, etc.), transfer amount, and the like. The data input / output device E303 receives the transfer request information from the lease contract debt guarantee support device E300, and performs a rent transfer process to the landlord B based on the transfer request information.

The lease contract debt guarantee support device E300 is
Using the trouble processing unit C309, necessary information is exchanged between the resident A and the landlord B, and the delinquency improvement processing (P120
2) Quaternary processing (P1301) and departure processing (P130)
Perform 2). The required information is information corresponding to the departure cooperation document 121, the departure pledge 122, and the payment confirmation 123 visit report 124 shown in FIGS.

According to the embodiment shown in FIG. 19, in the lease contract between the landlord B and the resident A with respect to the rental house for which the rent payment guarantee is reserved, when the resident A A lease contract guarantee support apparatus for guaranteeing payment of a rent to the landlord B on behalf of the resident A, wherein the guarantee rank calculation tables 161, 162, 16
3, 164, the trouble database 5, means C302 for inputting the basic information for determination of the resident A of the rented house that has made the reservation, and means for determining the guarantee rank using the basic determination information and the guarantee rank calculation table. C302, means C303 for calculating contract conditions of an identity guarantee contract and a debt guarantee contract according to the determined guarantee rank, identity guarantee contract application information from the resident A based on the calculated contract conditions, Means C301 and C304 for receiving debt guarantee contract application information from landlord B, and means C for receiving unpaid information on resident A based on the unpaid notice from landlord B and storing it in trouble database 5
306, means C305 for checking the rent delinquency status of the resident A using the trouble database 5, and guaranteeing payment of the rent on behalf of the resident A to the landlord based on the delinquency status. The tenant A, the landlord B, or the member store Y opens an account with information relating to an identity guarantee contract or a debt guarantee contract by the lease contract debt guarantee support device E300 having means C307 and C308 for outputting information for the purpose. It is possible to exchange with a bank without the intervention of the member store Y. Therefore, the burden on the member store Y regarding the identity guarantee contract or the debt guarantee contract can be reduced.

The lease contract debt guarantee support device E300 is
Using the object information providing unit C310, the object information is provided to the applicant A. The object information is information on the rental house managed by the landlord B, and includes the address, layout, rent, and the like of the rental house. The headquarters Z determines the contents of the object information in advance. This object information is collected in advance from a real estate agent or the like.

In the embodiment of the lease contract liability guarantee support apparatus E300 shown in FIG. 19, the lease contract liability guarantee support apparatus E300 includes C304, C305, C306, C
It is not necessary to have all of 307, C308, C309, and C310, and some functions may use another means (for example, telephone or mail). Further, in the above embodiment, the lease contract debt guarantee support device E3
The subject of the lease contract related to the guarantee of the lease contract supported by 00 was a rental house, but the subject of the lease contract is not limited to this, provided that the subject of the lease contract is I do not care.

The lease contract debt guarantee support device E300 is
The questionnaire survey response request information on the health condition of the resident A is transmitted to the data input / output device E301 using the questionnaire survey response request unit C311. The content of the information to be transmitted is the same as that of the health examination questionnaire (survey form) in FIG. The lease contract liability guarantee support apparatus E300 receives questionnaire survey response information, which is a response to the questionnaire survey response request information, from the data input / output device E301 using the questionnaire survey response receiving unit C312. The lease contract debt assurance support device E300 that has received the questionnaire survey response information performs a health check process (P1401) using the personal information confirmation unit C313 and the life expectancy database 6.

The lease contract debt guarantee support device E300 is
The above-mentioned questionnaire survey response request section C311, questionnaire survey answer reception section C312, and personal information confirmation section C313
Is not necessarily required. Further, the purpose of the questionnaire survey is not limited to the health check of the resident A. Note that the lease contract debt guarantee support device E300 is
It is not necessary to necessarily have 311, C312, and C313.

According to the embodiment described above, the means C312 for receiving the result of the resident A responding to the questionnaire on the health condition, and the remaining life of the resident A based on the result of the resident A The member shop Y can determine the life expectancy of the resident A by the lease contract debt guarantee support device E300 having the means C313 for calculating the average value. Therefore, the member store Y can periodically check the health condition of the resident A by periodically conducting a questionnaire survey, and in the event that the resident A is an elderly person and has no relatives, for example, Preventive measures for preventing an accident (such as providing a nursing care service if sick) can be implemented, and the burden on the landlord B of paying attention to the living conditions of the resident A can be reduced.

[0073]

According to the first aspect of the present invention, in a lease contract between a landlord and a resident of a rental house for which a rent payment guarantee has been reserved, if the resident is late for the rent, A method of guaranteeing the payment of the rent on behalf of the resident, wherein the step of inputting the determination basic information of the resident of the reserved rental house to the server,
A step in which the server determines a guarantee rank using the determination basic information and the guarantee rank calculation table in the server; and a step in which the server determines an identity guarantee contract and a debt guarantee contract according to the determined guarantee rank. Calculating, and the server receives identity guarantee contract application information from the resident and the debt guarantee contract application information from the landlord based on the calculated contract conditions, and the server Receiving unpaid information on the resident based on the unpaid notification from the landlord and storing the information in a trouble database in the server, wherein the server uses the trouble database to perform the resident A
Checking the rent delinquency status of the rent, and the server having the step of, based on the delinquency status, outputting information for guaranteeing the rent payment to the landlord on behalf of the resident. Even if the resident has no relative or acquaintance who can be the guarantor, the resident can enter into a lease contract by entering into an identity guarantee contract, while the landlord enters into a debt guarantee contract This guarantees the rent until the resident leaves.

According to the second aspect of the present invention, the determination basic information to be input to the server includes at least the presence or absence of the resident's relatives, the resident's health condition, and the rent of the rental housing. The person who provides the lease contract guarantee can set the contract conditions according to the resident's presence or absence, health condition and rent, so that the contents of the lease contract guarantee can be changed for each resident.

According to the seventh aspect of the present invention, the server:
A step of receiving a result of the resident responding to the questionnaire survey on the health condition, and the server having a step of calculating an average value of the remaining life of the resident based on the result of the resident responding, By judging the life expectancy of the resident, it is possible to take preventive measures to prevent accidents (such as providing nursing care services if sick), such as when the resident is elderly and has no relatives. The burden on the landlord to pay attention to the living conditions of the resident can be reduced.

According to the tenth aspect of the present invention, in the lease contract between the lessor and the lessee for the object of the lease contract for which the debt guarantee has been reserved, if the lessee does not fulfill the obligation, A method of guaranteeing a debt to a person on behalf of the lessee, wherein the basic information of the lessee is input to a server, and the server calculates the basic information and a guarantee rank in the server. Determining a guaranteed rank using a table; and
Calculating the terms and conditions of the identity guarantee contract and the debt guarantee contract according to the determined guarantee rank; and the server, based on the calculated terms and conditions, the identity guarantee contract application information from the lessee and the lease Receiving debt guarantee contract application information from a person;
Receiving the unpaid information on the lessee based on the unpaid notification from the lessor and storing the information in the trouble database in the server; and the server performing the lessee's debt using the trouble database. And the server outputs information for guaranteeing the debt to the lessor on behalf of the lessee based on the fulfillment status of the debt. By entering into an identity guarantee contract, a lease contract can be signed, while a lessor can enter into a debt guarantee contract to guarantee the rent until the lease contract is canceled.

According to the eleventh aspect of the present invention, in a lease agreement between a landlord and a resident for a rental house for which a rent payment guarantee has been reserved, if the resident is late for rent, A lease contract guarantee support device for guaranteeing payment of a rent on behalf of the resident by inputting a guarantee rank calculation table, a trouble database, and judgment basic information of the resident of the rented house that has made the reservation. Means for determining a guarantee rank using the basic information for determination and the guarantee rank calculation table; means for calculating contract conditions for an identity guarantee contract and a debt guarantee contract according to the determined guarantee rank; Based on the contract terms, the means for receiving the guarantor contract application information from the resident and the debt guarantee contract application information from the landlord, and the means for receiving the unpaid notification from the landlord Ku receives non payment information related to the tenants, and means for storing the above trouble database,
Means for checking the rent delinquency status of the resident using the trouble database, and means for outputting information for guaranteeing payment of rent on behalf of the resident to the landlord based on the delinquency status The lease agreement guarantee support device having the following information can be used to transfer information about an identity guarantee agreement or a debt guarantee agreement to a tenant, landlord, or a bank that provides an account for guarantee of a lease agreement with a bank that opens an account. Exchanges can be made without the intervention of a debt guarantee provider. Therefore, an identity guarantee agreement,
Alternatively, the burden on the business of a person who provides a lease contract guarantee for a debt guarantee contract can be reduced.

According to the thirteenth aspect of the present invention, the means for receiving the result of the resident's response to the questionnaire survey on the health condition, and the average value of the remaining life of the resident based on the result of the resident's response With the lease contract liability guarantee support device having the calculating means, the person who provides the lease contract liability guarantee can determine the life expectancy of the resident. Therefore, the person providing the lease guarantee is
By regularly conducting questionnaire surveys, it is possible to regularly check the health status of residents, and take preventive measures to prevent accidents, such as when the residents are elderly and have no relatives ( If it is sick, a care service can be provided), and the burden on the landlord to pay attention to the living conditions of the resident can be reduced.

[Brief description of the drawings]

FIG. 1 is a flowchart for explaining the contents of a lease contract guarantee in an embodiment of a lease contract guarantee method according to the present invention.

FIG. 2 is a flowchart for accepting an identity assurance application in the embodiment.

FIG. 3 is a flowchart for determining a guaranteed rank in the embodiment.

FIG. 4 is a flowchart of a depositing process and a receiving process in the embodiment.

FIG. 5 is a flowchart of monthly processing in the embodiment.

FIG. 6 is a flowchart of a payment confirmation process in the embodiment.

FIG. 7 is a flowchart of a payment confirmation process in the embodiment.

FIG. 8 is a flowchart of a rent delinquency check process in the embodiment.

FIG. 9 is a flowchart of a payment confirmation process in the embodiment.

FIG. 10 is a flowchart of a primary process in the embodiment.

FIG. 11 is a flowchart of a secondary process in the embodiment.

FIG. 12 is a flowchart of a tertiary process in the embodiment.

FIG. 13 is a flowchart of a quaternary process in the embodiment.

FIG. 14 is a flowchart of a health check process in the embodiment.

FIG. 15 is a flowchart of a result check process in the embodiment.

FIG. 16 is an example of a guarantee rank calculation table in the embodiment, where (A) shows the relationship between the presence or absence of relatives and points;
(B) is a table showing a relationship between a health condition and points, (C) is a table showing a relationship between rent and points, and (D) is a table showing a relationship between points and a guaranteed rank.

FIG. 17 is a block diagram illustrating an embodiment of a lease contract debt guarantee support apparatus according to the present invention.

FIG. 18 is a block diagram showing another embodiment of the lease contract debt guarantee support device.

FIG. 19 is a block diagram showing still another embodiment of the lease contract debt guarantee support device.

[Explanation of symbols]

E100, E200, E300 Lease contract obligation guarantee support device E101, E201 Data input unit E102, E202 Data output unit E210, E301, E302, E303 Data input / output unit C101, C201, C301 Identity guarantee application receiving unit C102, C202, C302 Guarantee Rank determination unit C103, C203, C303 Contract condition calculation unit C304 Contract conclusion unit C305 Debt fulfillment confirmation requesting unit C306 Debt fulfillment information receiving unit C307 Debt default notification unit C308 Debt burden processing unit C309 Trouble processing unit C310 Object information providing unit C311 Questionnaire Survey response request section C312 Questionnaire survey response reception section C313 Personal information confirmation section N200, N300 Computer network 1 Q & A database 2, D2 Customer database 3, D3 Guaranteed rank database 4, D4 Application status database 5 Trouble database 6 Life expectancy database

Claims (17)

[Claims] [Claim 1] In a lease contract between a landlord and a resident for a rental house for which a rent payment guarantee has been reserved, if the resident has late payment of the rent, the rent is issued to the landlord on behalf of the resident. A step of inputting the basic information for determining the resident of the reserved rental house to a server, wherein the server uses the basic information for determination and a guarantee rank calculation table in the server. Determining the assurance rank, and the server calculating the terms and conditions of the identity guarantee contract and the debt guarantee contract according to the determined assurance rank; and the server, based on the calculated terms and conditions, Receiving the identity guarantee contract application information from the resident and the debt guarantee contract application information from the landlord; and the server, based on the unpaid notification from the landlord, Receiving the unpaid information relating to the resident and accumulating it in a trouble database in the server; the server confirming the rent delinquency status of the resident using the trouble database; and Outputting information for guaranteeing payment of a rent to the landlord on behalf of the tenant based on the delinquency status. 2. The lease contract guarantee method according to claim 1, wherein the basic judgment information input to the server includes at least the presence or absence of the resident, the health of the resident, and the rent of the rental housing. 3. The lease contract guarantee method according to claim 1, wherein the information for guaranteeing the rent payment is a rent delinquent postcard shipping list and a contents certification shipping list. 4. The lease contract guarantee method according to claim 1, wherein the delinquency status is confirmed using the number of delinquencies of the resident. 5. A server, wherein the server confirms the number of delinquent rents of the resident; and the server determines the number of delinquencies, and a limit number of times that is a standard number of delinquencies for guaranteeing payment of the rent of the resident. 5. The method according to claim 4, wherein the server outputs information for guaranteeing rent payment when the number of delinquencies reaches a limit number. 6. The method for guaranteeing a lease contract debt according to claim 1, wherein before the resident enters into a lease contract with the landlord, the basic information for judging the resident is input to a server. 7. A server, wherein the server receives a result of the resident responding to the questionnaire on health condition, and wherein the server calculates an average value of the remaining life of the resident based on the result of the resident's response. The method of claim 1, further comprising the step of: determining the life expectancy of the resident. 8. The lease contract guarantee method according to claim 1, wherein the rent payment is guaranteed by a franchise system comprising a headquarters, a member store, and an agency. 9. The method according to claim 8, wherein the server is installed at a franchise headquarters. Claim 10: In a lease agreement between a lessor and a lessee with respect to the subject matter of the lease agreement for which a guarantee for debt has been reserved, if the lessee does not fulfill its obligations, the lessor is given to the lessee. A method of guaranteeing a debt instead, wherein the step of inputting the basic information of the lessee to the server, and the server determines the guarantee rank using the basic information of the decision and the guarantee rank calculation table in the server And the server calculates the terms and conditions of the identity guarantee contract and the debt guarantee contract according to the determined guarantee rank. The server determines the identity of the lessee based on the calculated terms and conditions. Receiving the guarantee contract application information and the debt guarantee contract application information from the lessor; Receiving unpaid information on the server and storing it in a trouble database in the server; the server confirming the fulfillment status of the lessee's debt using the trouble database; and And outputting information for guaranteeing the debt to the lessor on behalf of the lessor based on the fulfillment status of the lessee. 11. In a lease agreement between a landlord and a resident for a rental house for which a rent payment guarantee has been reserved, if the resident has arrears the rent, the rent is issued to the landlord on behalf of the resident. A guarantee contract calculation table, a trouble database, a means for inputting judgment basic information of a resident of the reserved rental house, a method for inputting the judgment basic information and the above Means for determining a guarantee rank using a guarantee rank calculation table; means for calculating contract conditions for an identity guarantee contract and a debt guarantee contract according to the determined guarantee rank; and the resident based on the calculated contract conditions Means for receiving an identity guarantee contract application information from the landlord and a debt guarantee contract application information from the landlord; Means for receiving the deposit information and storing the information in the trouble database; means for confirming the rent delinquency status of the resident using the trouble database; and Means for outputting information for guaranteeing the payment of the rent instead. 12. A means for confirming the number of delinquent rents of a resident using a trouble database; and determining the number of delinquencies and the limit number of times as a standard number of delinquencies for guaranteeing payment of the rent delinquent by the resident. The lease contract guarantee support apparatus according to claim 11, wherein the means for comparing outputs information for guaranteeing rent payment when the number of delinquencies reaches a limit number. 13. The occupancy by means for receiving a result of the resident's response to the questionnaire survey on the health condition, and means for calculating an average value of the remaining life of the resident based on the result of the resident's response. 12. The lease contract guarantee assurance support device according to claim 11, which determines a life expectancy of a user. 14. The lease contract debt guarantee support device according to claim 11, wherein the rent is paid by a franchise system comprising a headquarters, a member store, and an agency. 15. The lease contract guarantee support device according to claim 14, wherein the headquarters is provided to enable the member store to use it. 16. The lease contract guarantee assurance support device according to claim 11, further comprising means for providing information on the rental house. 17. In a lease agreement between a lessor and a lessee with respect to an object of the lease agreement for which a guarantee for debt has been reserved, if the lessee does not fulfill its obligations, the lessor is given to the lessee. A lease contract guarantee assurance support device for guaranteeing a debt on behalf, comprising: a guarantee rank calculation table, a trouble database, means for inputting the above-described basic information of the lessee, and the above-described basic determination information and the above-mentioned guarantee rank calculation table. Means for determining a guarantee rank using the method; means for calculating the terms and conditions of an identity guarantee contract and a debt guarantee contract according to the determined guarantee rank; and an identity guarantee contract from the lessee based on the calculated terms and conditions. Means for receiving the application information, the debt guarantee contract application information from the lessor, and the unpaid information on the lessee based on the unpaid notice from the lessor. Means for storing the information in the trouble database; means for confirming the performance of the lessee's debt using the trouble database; and providing the lessor to the lessee based on the performance of the debt. A means for outputting information for guaranteeing a debt instead.