JP2003085371A - Rental agreement insurance system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a new rental agreement insurance system for satisfying demands of both a lessor and a lessee in a rental agreement conventionally accompanying a deposit wherein the lessee wants to minimize the financial load at an agreement and the lessor wants to conclude as many rental agreements as possible with guarantees against unexpected situations. SOLUTION: In the system handling information on rental real estate through a network 4, a server 2 and a user terminal 3 are connected via the network 4. The server 2 is provided with an insurance introducing means 214 introducing and promoting sales of insurance where the lessee pays an insurance fee to an organization undertaking a guarantee to the lessor as an alternative to the deposit entrusted to the lessor from the lessee at the rental agreement.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention belongs to the technical field of a system for handling real estate rental property information through a network.

[0002]

2. Description of the Related Art It is a conventional business practice to exchange a guarantee deposit (sometimes called a security deposit) in a rental contract between a lender who owns a real estate rental property and a lessee who leases the rental property. This security deposit is the amount presented in advance by the lender to the borrower, but the amount, arrangement details, name, etc. differ depending on the regional characteristics and properties.
Generally, when a contract is signed, the borrower deposits a fixed amount of money as collateral with the lender, and when the contract is concluded or when the contract is renewed, it is returned to the borrower. Amortization is often deducted at the time of return. Then, this guarantee money is used for appropriation in the case that the rent is not paid to the borrower or the contract contents are violated during the contract. The real estate rental property mentioned here includes all forms such as a building, a floor of a building, a detached house, a room of an apartment or a condominium, a store, an office, and a parking lot.

An example of renting a rental property will be described. For example, when renting a room of an apartment for rent of 100,000 yen, the amount of the deposit is generally required for several months, although the amount of the deposit varies greatly depending on the regional characteristics and the property as described above. Therefore, the lessee is required to pay a security deposit and rent, and in some cases, a key money and a commission to the intermediary, at the time of concluding the rental contract. Had to prepare.

[0004]

[Problems to be Solved by the Invention] For a borrower who rents a rental property, there is a demand to reduce the burden of payment as much as possible due to not only the expenses associated with the rental contract but also moving expenses and other expenses. . In particular, since the deposit is deposited with the lender at the time of the contract and then returned, it has been a great financial and psychological burden for the borrower to prepare a large deposit for deposit.

On the other hand, for the lender who leases the rental property, it is necessary for the stable real estate management to deposit the guarantee money in order to prepare for an unexpected situation that occurs in the lessee. However, as mentioned above, the preparation of the guarantee deposit is a heavy burden on the borrower, so it cannot be denied that the property with a small guarantee deposit will become more popular. It is also a management problem for the landlord to leave the rental property in a vacant state. Therefore, in order to conclude as many rental contracts as possible for the properties owned, it was inevitably necessary to reduce the amount of the guarantee deposit, or even to make it zero.

[0006] In addition, if the borrower is in breach of the contract content and the rent becomes unpaid, the lender takes a notice or a visit prompting the borrower to pay the rent or a court procedure in order to recover the rent. I will go. Therefore, the burden of labor and time spent on such processing work is a heavy burden on the lender.

[0007] As described above, in the conventional rental contract with guarantee money, there is a demand for the lessee to reduce the financial burden at the time of the contract as much as possible, while the lessor has to make more rental contracts. At the same time, there was a request to obtain a guarantee in case of an unexpected situation. Therefore, an object of the present invention is to provide a new rental contract insurance system for satisfying the demands of both the lender and the borrower.

[0008]

In order to solve the above problems, the rental contract insurance system of the present invention employs the following means.

That is, according to claim 1, in a system for handling real estate rental property information through a network, a server and a user terminal are connected via the network, and the server is provided with a guarantee deposit deposited by the borrower to the lender under a rental contract. As an alternative insurance, there is provided an insurance introduction means that introduces the insurance, in which the borrower pays the insurance fee to the institution that undertakes the guarantee to the lender, to the user terminal and encourages the user to join the insurance.

[0010] In this means, insurance is provided in a rental property where the borrower must deposit a guarantee deposit as a real estate rental contract to the user terminal that is going to acquire the rental property information using the network. It is possible to introduce new insurance that the deposit is unnecessary by using it (hereinafter simply referred to as insurance) and encourage participation. Note that, hereinafter, the insurance of the present invention includes the meaning of guarantee (debt guarantee).

[0012] According to claim 2, in the rental contract insurance system according to claim 1, the user terminal transmits the applicant's name, contact information and the like as information of the applicant to the server, and the insurance. Is provided with an insurance application means for applying to the server for subscription.

By this means, it is possible to subscribe to the insurance using a network.

Further, in claim 3, in the rental contract insurance system according to claim 1 or 2, the server is provided with a property introducing means for transmitting the information of the rental property to the user terminal. The insurance introduction method is executed.

By this means, the insurance is introduced together with the introduction of the rental property, so that the insurance is introduced to the user terminal of the user who has a high possibility of the rental contract in good timing.

Further, in claim 4, in the rental contract insurance system according to claim 3, the user terminal is provided with a property application means for applying to the server for a contract for the introduced rental property. It is characterized in that the insurance application means is executed.

[0016] By this means, by applying for the insurance together with the contract for the rental property, it is possible to prevent the insurance from failing and to quickly carry out the application procedure.

Further, in claim 5, in the rental contract insurance system according to any one of claims 2 to 4, the server decides whether or not to join the insurance based on the examination using the information of the applicant. It is characterized in that an examination decision means is provided.

By this means, by examining the applicant,
Warranty risks are reduced.

Further, in claim 6, in the rental contract insurance system according to claim 5, a collating means for collating the information of the applicant with a credit information database storing credit information of individuals, corporations, etc. is provided. And

By this means, the time required for examination is shortened by collating with the credit information database.

[0021] Further, in claim 7, in the rental contract insurance system according to claim 6, the examination authority terminal of the examination authority having the credit information database is connected to the server through the network, and the server collating means uses the applicant. This information is transmitted to the terminal of the certification body for verification.

By this means, the creditworthiness of the examination can be enhanced by using the rich credit information database held by the examination organization.

Further, in claim 8, in the system for handling real estate rental property information through a network, the server is connected to the user terminal via the network, and the server sends the rental property information to the user terminal. Introducing means and insurance introducing means that introduces insurance that the borrower pays insurance premiums to the organization that undertakes the guarantee to the lender to the user terminal as an alternative to the deposit that the borrower deposits with the lender under the rental contract , Applicant information receiving means for receiving the name, contact information, etc. as the applicant information from the user terminal,
Property application receiving means for receiving a contract application for rental property from the user terminal, insurance application receiving means for receiving the insurance application for the insurance from the user terminal, and whether or not the insurance can be added based on the examination using the information of the applicant. An examination decision means to decide
Contract content notifying means for notifying the user terminal of the contents of the rental contract including whether or not to join insurance is provided.

By this means, the server sends the information of the rental property to the user terminal and introduces the insurance available for the contract to the rental property. When the server receives the contract application for the rental property and the insurance contract application, the server screens the applicant and notifies the user terminal of the contract content according to the screening result.

Further, in claim 9, in the system for handling real estate rental property information through a network, the user terminal is connected to the server through the network, and the user terminal requests the server to introduce the rental property. And the property introduction receiving means for receiving introductions of rental property information from the server, and as an alternative insurance to the deposit that the borrower deposits with the lender under the rental contract from the server, the borrower insures the institution that undertakes the guarantee to the lender Insurance introduction receiving means for receiving insurance introductions for paying fees, applicant information transmitting means for transmitting name, contact information, etc. to the server as applicant information, and property application means for applying for a rental property contract to the server , An insurance application means for applying to the server for insurance participation, and a contract content receiving means for receiving from the server the content of the rental contract including whether or not to join the insurance. Provided.

By this means, the user terminal can request the introduction of the rental property, and can receive the information of the rental property and the insurance that can be used instead of the deposit of the rental property. Then, the user terminal can apply for insurance together with the application for the rental property contract. Then, the contents of the contract according to the result of the examination are received.

Further, in claim 10, a server of an institution that handles real estate rental properties and a user terminal are connected via a network, and the server has property introduction means for transmitting information of rental properties to the user terminal. As an insurance alternative to the deposit that the borrower deposits with the lender in the rental contract, insurance introduction means that introduces the insurance that the borrower pays the insurance fee to the institution that undertakes the guarantee to the lender to the user terminal and encourages participation, is provided, The user terminal is provided with property application means for applying to the server for the introduced rental property contract, and insurance application means for applying for the insurance subscription to the server.

This means introduces information on the rental property from the server of the institution that handles real estate rental properties, and provides insurance for rental properties where the borrower must deposit a deposit with the landlord as a real estate rental contract. A new insurance (hereinafter simply referred to as insurance) that the deposit is unnecessary by using it is introduced, and the user terminal applies for a rental property to the server and applies for insurance.

[0029] According to claim 11, in the rental contract insurance system according to claim 10, the terminal of the inspection agency of the inspection agency is connected to the server via a network.

By this means, it is possible to collate or request the examination of the user corresponding to the user terminal to the examination organization when making a contract.

[0031] According to a twelfth aspect, in the rental contract insurance system according to the tenth or eleventh aspect, an insurance agency terminal of an insurance agency is connected to the server via a network.

By this means, it is possible to connect to the insurance institution terminal as needed when making an insurance contract.

Further, in claim 13, from claim 10 to claim 1.
In the rental insurance system according to any one of 2 above, a lender terminal of a lender of a real estate rental property is connected to the server via a network.

By this means, the lender can register the rental property in the server or grasp the contract status from the lender terminal.

[0035]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment (1) of a rental contract insurance system of the present invention will be described below with reference to the drawings. FIG. 1 is a conceptual diagram of the embodiment (1), FIG. 2 is a configuration diagram of the embodiment (1), FIG. 3 is a detailed configuration diagram of the embodiment (1), and FIGS. The flowchart of (1) and FIGS. 6 and 7 are examples of the screen of the embodiment (1).

In the rental contract insurance system 1 of the present invention, a server 2 and a user terminal 3 are connected via a network 4 in a system for handling real estate rental information through a network 4.

In the embodiment (1), the user terminal 3 is a terminal of a user who wishes to make a rental contract, and the server 2 is an agency that handles real estate rental properties and is provided in an intermediary agency that performs the intermediary business. The case where the server is a registered server will be described. It should be noted that the server 2 is not limited to being provided in the intermediary agency of the rental department, and may be provided in any agency such as an agency that handles rental properties or an agency that handles insurance. Then, it is assumed that the server 2 is connected to the inspection agency terminal 5 of the inspection agency via the network 4. The examination organization is an organization that holds a credit information database of an individual (natural person) or a corporation, such as a credit company that issues a credit card or a rating agency for a corporation. Further, the intermediary body and the examination body are not limited to being composed of one company, but may be composed of a plurality of companies or organizations.

The server 2 has an input / output function, a recording function, a communication function, an arithmetic function, etc., and is generally a mainframe, a workstation, a personal computer or the like having a function of responding to a request from another computer. is there. Further, the server 2 may be configured by combining a plurality of servers and terminal devices.

The user terminal 3 and the examination agency terminal 6 have an input function, a display function, a recording function, a communication function (which may be a mobile communication function), and the like. The input function includes a button, a touch panel, a keyboard, a mouse, and the like, and the display function includes an LCD, a CRT, and the like. Generally, these are personal computers, portable terminals (PDA), mobile phones, home appliances such as televisions and fixed-line phones that can be connected to a network, and can obtain information from a Web browser by connecting to a network.

The network 4 is the Internet or LA.
It is a network including N (Local Area Network), communication lines, radio, satellite, or other communication systems.

First, the configuration of the server 2 will be described.
This server 2 is an introduction unit 21 that introduces information on rental properties.
Is roughly divided into a screening section 22 for screening applicants and a contracting section 23 for contracts.

The introduction section 21 stores a property information database 211 that stores real estate rental property information (hereinafter referred to as property information) and property information in the property information database 211 in response to a request from the user terminal 2. Search means 212 for searching for, a property introduction means 213 for transmitting the search result to the user terminal 3, an insurance introduction means 214 for introducing the rental contract insurance to the user terminal 3, and an application for renting a property or insurance. The application form transmitting means 215 for transmitting the application form 2151 of No. 2 to the user terminal 3 and the application receiving means 216 for receiving the application form created by the user terminal 3 are provided.

As the property information stored in the property information database 211, the location of each rental property, the rent, the size, the contract conditions, the key money and the fee required for the contract,
The amount of the original deposit when insurance is not used, and the insurance premium when insurance is used. Further, it may include a distance from the nearest station, neighborhood information, presence / absence of a parking lot, structure of a building, and images inside and outside the building (still image or moving image may be included). In the embodiment (1), all rental properties registered in the property information database 211 are registered in the contract by the lender in advance.

In response to a request from the user terminal 3, the search means 212 searches the property information database 211 for rental properties that meet the conditions specified by the user terminal 3. Depending on the specified conditions, the search results may be multiple or zero.

As a result of the search, the property introduction means 213 sends property information of the rental property that matches the conditions to the user terminal 3 and introduces it. When there are a plurality of rental properties that meet the conditions requested from the user terminal 3, all of them are transmitted, and when there are zero, the fact that there are no rental properties that meet the conditions is notified.

The insurance introducing means 214 is the property introducing means 21.
Introducing insurance to the user terminal 3 as well as introducing rental properties in 3. This insurance is an insurance that is an alternative to the deposit that the borrower deposits with the lender under the lease contract.
This is an insurance policy in which the borrower pays insurance premiums to an organization that undertakes guarantees to the lender. The institution may be any institution as long as it can carry out insurance business, and it is not limited to an insurance institution and may be a financial institution. However, the institution will be described here. The insurance premium paid to the insurance organization is paid monthly, for example, during the contract of the rental property, but it is much lower than the security deposit, so the burden on the borrower is greatly reduced. Further, the insurance premium may be discounted by setting a half-year payment or an annual payment for payment. With this means, the above-mentioned insurance is a new type of insurance that has never existed before. Therefore, in order to understand this insurance for the first time, we will introduce the explanation of the contents and the terms and conditions and encourage the user terminal 3 to use the insurance. There is.

The application form transmission means 215 is the user terminal 3
The application form 2151 is sent to the user to enroll in a rental property contract and the accompanying insurance. Property introduction means 2
If there is a property for which a contract is desired among the rental properties introduced in 13, the items required for the contract are entered in the application form 2151. The application form 2151 includes the applicant's name (company name in the case of a corporation), address, contact information, e-mail address, credit card information for payment of rent and insurance (card Type, card number, etc.) will be prompted. The credit card information is also used for the examination in the case of an individual described later. In addition,
If the applicant does not have a credit card,
You will be prompted to make a card with the credit company you specify. If the rental property introduced to the user terminal 3 does not include the desired property, of course, the application form 21
It need not be entered at 51. And, in order to use insurance for the above-mentioned rental property contract, the application form 2151 includes
An insurance application is also entered. In addition, application form 21
In 51, in consideration of the case where the applicant desires a contract for deposit of deposit from the beginning, an option may be provided to inquire about whether or not to have insurance. Further, the contractor information, the rental contract application, and the insurance application may be divided into individual styles to prompt the input.

The application receiving means 216 uses the application form 2151.
The application form created by the user terminal 3 is received from the user terminal 3. The application receiving unit 216 includes an applicant information receiving unit 2161, a property application receiving unit 2162, and an insurance application receiving unit 2163. Information of the applicant included in the contents of the application form and an application for a rental property contract are provided. Applications for insurance coverage are received respectively.

The examination unit 22 collates the information of the applicant with the examination agency terminal 5 and requests examination, and the examination section 22 which receives the examination result from the examination agency terminal 5 and decides whether or not to use insurance. And a determining means 222.

In the collating means 221, the application receiving means 216
Request the examination of the applicant to the examination authority terminal 5 based on the information of the applicant received in. The examination authority terminal 5 is provided with a credit information database 511 having abundant contents, and it is possible to examine and examine whether there is any trouble in the past or present margin transactions of the requested applicant. If the applicant is an individual, the credit card type and number will be used for prompt examination. In addition, if the applicant is a corporation, the examination will be conducted based on the rating for the corporation and other methods. Further, this collating means 221
For example, register as a member of a credit information center such as the National Bank Personal Credit Information Center, Japan Information Center, or CIC, and click "CRIN (Credit Info).
"Ration Network)" may be used. In this case, a wide range of credit information such as mortgage, card loan, current transaction information, credit card transaction information, etc. can be obtained.

In the examination decision means 222, the examination agency terminal 5
Applicant's insurance coverage will be decided based on the examination results sent from the applicant.

The contract section 23 notifies the user terminal 3 of the contract content including whether or not to take out insurance.
31, a contract form transmitting means 232 for transmitting the contract form for the formal contract to the user terminal 3, and a contract receiving means 233 for receiving the contract form from the user terminal 3.

The contract content notifying means 231 sends to the user terminal 3 a notification of the content of the rental contract using the insurance to the applicant who has been judged to be able to use the insurance. On the other hand, the applicant who is judged to be unable to use insurance is sent a notification of the contents of the rental contract that requires deposit of deposit.

The contract form transmitting means 232 transmits the contract form in order to prompt the user terminal 3 to input the items necessary for the contract, in accordance with the contract contents notified to the user terminal 3. In this contract form, the forms for the rental contract and the insurance contract are transmitted to the user terminal 3 that is allowed to join the insurance, and the user terminal 3 that is not allowed to join the insurance is
The form for the rental contract will be sent. This contract form is transmitted in the state already described in the contract form for the items that are input in the application form 2151 and overlapped,
The input load on the user terminal 3 is reduced. of course,
If the notified contract content is not desired, it is not necessary to input the contract form on the user terminal 3.

The contract document receiving unit 233 is a unit for receiving the contract document created by the user terminal 3 according to the contract document format.

Next, the configuration of the user terminal 3 will be described. In accordance with the application form 2151, the user terminal 3 has a request unit 311 for requesting the server 2 to introduce a desired rental property, an introduction receiving unit 312 for receiving property information and insurance from the server 2, and an application form 2151. An application form creating unit 313 that creates an application form, an application unit 314 that sends the created application form to the server 2, a contract content receiving unit 315 that receives the contract content and the contract format according to the examination result, and the contract. A contract document creating unit 316 for creating a contract document according to the call form and a contract document sending unit 317 for sending the created contract document to the server 2 are provided.

The application means 314 is the applicant information transmission means 3
141, Property Application Means 3142, and Insurance Application Means 3143
The applicant's information, the application for the contract of the property and the application for the insurance are transmitted at the same time in the application form. In the embodiment (1), the application form 2151 prompts these three means to be executed at the same time. However, when the application form 2151 is divided, it is configured to be executed individually. Good.

Next, the examination authority terminal 5 will be described.
The examination authority terminal 5 has a credit information database 511 in which credit information about individuals and corporations is stored in advance, an examination means 512 for receiving a request from the server 2 and collating the applicant information with the credit information database 511, and an examination Result transmitting means 513 for transmitting the result to the server 2 is provided.

The operation of the embodiment (1) thus configured will be described with reference to FIGS. 4 to 7 in which an applicant is an individual who uses a credit card for examination. This operation is an example, and the order and screens are not limited to these.

First, the user terminal 3 connects to the server 2, and the request means 311 inputs and transmits the desired rental property conditions, and requests information on rental properties that meet the conditions (S101). This is W provided by the server 2, for example.
This is done by connecting to an eb page and writing. As the desired condition of the rental property, the nearest station, rent zone, floor plan, etc. are input according to the Web page. In the server 2, the property information database 211 is searched by the search means 212 in response to the request from the user terminal 3 (S102).
Then, the property introduction unit 213 transmits information about all rental properties that meet the conditions to the user terminal 3 for introduction.
If there is no corresponding rental property, the condition will be changed again and a notification will be sent to prompt input. At the same time, the insurance introducing means 214 introduces that insurance can be used in place of deposit of deposits in the introduced rental property, and encourages participation of this insurance. In this introduction, the product content of insurance is explained, and the scope of warranty and disclaimers are also shown. In addition, the application form transmitting means 215 also transmits an application form 2151 for applying for a contract (S10).
3). Then, the property information, the insurance introduction, and the application form 2151 are received by the introduction receiving unit 312 of the user terminal 3 and displayed on the screen.

In the user terminal 3, if there is property information for which a contract is desired in the introduction, the necessary items are input according to the application form 2151 as shown in FIGS. 6 and 7, and the application form creating means 313. Create application forms in sequence. First, the desired property information is selected (S104), and then the name, contact information, mail address, etc. are input as the applicant information. It is also input whether or not to use insurance when making a rental contract (S105). Here, it is assumed that you want to use insurance.

Then, it is required to input the information of the credit card held by the applicant. Therefore, it is determined whether or not the user has a credit card (S106),
If No, you are prompted to apply for the designated credit card and enter the required information (S
108). If Yes, you are prompted to enter the credit card type and card number (S10).
7). The application form thus created according to the application form 2151 is the applicant information transmitting means 314 of the applying means 314.
1, the property application unit 3142 and the insurance application unit 3143 simultaneously transmit to the server 2 (S109).

In the server 2, the application information receiving means 2161, the property application receiving means 2162 and the insurance application receiving means 2163 of the application receiving means 216 respectively receive the contents of the application form (S110), and the collating means 221 receives the applicant information. The information of the credit card in the above is transmitted to the examination institution terminal 5 to request the examination (S111). In the examination authority terminal 5, the examination means 512 examines the received credit card information against the credit information database 511 (S112). If the applicant already has a credit card, the examination will be done promptly just by checking the number, but if a new credit card is applied, it may take some time for the examination. Also occurs. The result of the examination is transmitted to the server 2 by the result transmitting means 513 (S113). The examination determination means 222 determines whether or not the applicant is allowed to join the insurance based on the received examination result (S114, 115). It should be noted that although the case where the credit card is used for the examination is illustrated here, the examination may be performed using the CRIN described above.

As a result, it is possible that the applicant can use insurance.
In the case of s, the contract content notifying unit 231 and the contract form transmitting unit 232 notify the user terminal 3 of the notice of the rental contract by using the insurance and the contract form for the rental contract and the insurance contract correspondingly. It is transmitted (S116). on the other hand,
When the number is unavailable, the contract content notifying means 231
Then, the contract form transmitting means 232 transmits the notice of the rental contract by depositing the deposit and the contract form for the rental contract to the user terminal 3 in response to the notice (S117).

In the user terminal 3, the contract content receiving means 31
5 receives the result of the examination and the contract form (S11
8) If the user wants to make a contract with the received contents, the contract forming means 316 creates a contract according to the contract form (S119). The contract is transmitted to the server 2 by the contract transmitting unit 317 of the user terminal 3 and received by the contract receiving unit 233 of the server 2, and the rental contract and the insurance contract are established. Although not shown, the server 2 may be configured to transmit a notice of the establishment of the rental contract and the insurance contract or the contract number of the insurance to the user terminal 3.

In the embodiment (1) described above, only the property information for which insurance can be used is registered in advance in the property information database 211 of the server 2, but there are properties of lenders who do not want to use insurance. When registering and introducing the property information to the user terminal 3, it may be configured to clearly indicate whether or not the property is available for insurance.

Further, when applying for a rental property or insurance contract using the network 4, but if it is desired to exchange contracts thereafter after the face-to-face procedure, the contract form transmission 232 of the server 2 and the contract reception Means 233, contract creation means 316 of user terminal 3, contract transmission means 3
17 may be omitted.

The user terminal 3 has been described as a terminal for a user who wishes to make a rental contract, but as a terminal that can be used by an unspecified user installed at a window of an intermediary agency that performs real estate brokerage work or at a convenience store. Good.

Furthermore, in the introduction of insurance, the insurance may be introduced so that the insurances of a plurality of insurance institutions can be compared and examined, and the insurance facility can be selected by the user terminal 3. The insurance agency may offer additional services such as providing different insurance premiums and taking out fire insurance and other insurance.

As described above, in the rental contract insurance system 1 of the embodiment (1), the user terminal 3 can receive an extremely effective introduction of insurance in accordance with the desired introduction of the rental property, and thus the insurance coverage. You can apply for the timely and easily. Also, by simply sending the credit card information, you can easily undergo the examination, and because you can pay rent and insurance premiums with the credit card, you do not need a transfer fee and you can save small expenses. In addition, insurance premiums may be subject to deductions when calculating taxes on the borrower side, so financial benefits can be obtained in addition to when a rental contract is made.

Next, the embodiment (2) of the rental contract insurance system of the present invention will be described. FIG. 8 is a configuration diagram of the embodiment (2). Since the embodiment (2) is an application of the embodiment (1), the same reference numerals are given to the same description, and the details are omitted.

The embodiment (2) is characterized in that the examination authority terminal 5 is omitted and the examination section 22 of the server 2 is previously provided with the credit information database 511. Therefore, the collating unit 221 can directly collate the credit information database 511 without going through the network 4.
In addition, the examination decision means 222 immediately obtains the collation result. This makes it possible to speed up the examination. Other actions and effects are similar to those of the embodiment (1).

Next, an embodiment (3) of the rental contract insurance system of the present invention will be described. FIG. 9 is a configuration diagram of the embodiment (3). Since the embodiment (3) is an application of the embodiment (1), the same reference numerals will be given to the same description and the details thereof will be omitted.

In the embodiment (3), the server 2 of the embodiment (1) is provided with the insurance organization terminal 6 of the insurance organization and the network 4.
Connected through. As a result, it is possible to immediately notify the insurance institution terminal 6 of the establishment of the insurance contract, and to promptly deal with any troubles related to the insurance contract. Other actions and effects are similar to those of the embodiment (1).

Next, the embodiment (4) of the rental contract insurance system of the present invention will be described. FIG. 10 is a configuration diagram of the embodiment (4). Since the embodiment (4) is an application of the embodiment (1), the same reference numerals will be given to the same description and the details thereof will be omitted.

In the embodiment (4), the lender terminal 7 of the lender of the rental property is connected to the server 2 of the embodiment (1) through the network 4. As a result, the leaser terminal 7 can be instantly notified of the establishment of the rental contract, and the property information database 211 can be easily registered with the property information database 211 from the lender terminal 7 via the network 4. It can be registered in the property information database 211. Other actions and effects are similar to those of the embodiment (1).

The above-mentioned embodiments (1) to (4) may be implemented in combination.

[0078]

As described above in detail, in the rental contract insurance system of the present invention, although it is necessary for the lessee to pay the insurance premium for the use of insurance, a large amount of guarantee money is collected at the time of the rental contract. Compared to preparing a large amount of money, the burden can be greatly reduced both financially and mentally.

Further, since the cost paid as insurance premium may be subject to deduction at the time of tax calculation on the borrower side, financial merit can be obtained in addition to the time of renting a contract.

On the other hand, the lender side is not only required to reduce the security deposit management work, but is also guaranteed by insurance in the event of an unexpected situation on the borrower side, and the processing work for the unexpected situation is also reduced. .

Further, the lender side can present the rental property with a small financial burden to the borrower side, so that it is highly possible to promote the establishment of more rental contracts, and stable real estate management can be achieved.

[Brief description of drawings]

FIG. 1 is a conceptual diagram of an embodiment (1).

FIG. 2 is a configuration diagram of an embodiment (1).

FIG. 3 is a detailed configuration diagram of the embodiment (1).

FIG. 4 is a flowchart of the embodiment (1).

FIG. 5 is a flowchart of the embodiment (1).

FIG. 6 is a screen example of the embodiment (1).

FIG. 7 is an example of a screen according to the embodiment (1).

FIG. 8 is a configuration diagram of an embodiment (2).

FIG. 9 is a configuration diagram of an embodiment (3).

FIG. 10 is a configuration diagram of an embodiment (4).

[Explanation of symbols]

1 Rental contract insurance system 2 servers 21 Introduction Department 211 Property information database 212 Search method 213 Property introduction method 214 Insurance introduction method 215 Application form transmission means 2151 Application form 216 Application reception means 2161 Applicant information receiving means 2162 Property application receiving means 2163 Insurance application receiving means 22 Examination Department 221 verification means 222 Examination decision means 23 Contract Department 231 Contract content notification means 232 Contract form transmission means 233 Contract Receiving Method 3 user terminals 311 Request means 312 Referral receiving means 313 Application form creation method 314 Application means 3141 Applicant information transmission means 3142 Property application method 3143 Insurance application means 315 Contract content receiving means 316 Contract making method 317 Contract transmission means 4 network 5 Examining Authority Terminal 511 Credit Information Database 512 Examination method 513 Result transmission means 6 insurance organization terminals 7 Lender terminal

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Yukio Ogata             28-1 Ebisu, Shibuya-ku, Tokyo Ai             Oi General Insurance Co., Ltd. (72) Inventor Daisuke Kodama             28-1 Ebisu, Shibuya-ku, Tokyo Ai             Oi General Insurance Co., Ltd. F term (reference) 2C005 HB06 HB15 LB31

Claims (13)

[Claims] 1. In a system for handling real estate rental property information through a network, a server and a user terminal are connected via the network, and the server serves as an insurance alternative to the deposit deposited by the borrower under the rental contract. , A rental contract insurance system equipped with insurance introduction means that introduces insurance that the borrower pays to the institution that undertakes the guarantee to the lender to the user terminal and encourages participation. 2. The rental contract insurance system according to claim 1, wherein the user terminal transmits applicant name information, contact information, etc. to the server as applicant information, and the insurance subscription to the server. A rental contract insurance system, which is equipped with means for applying for insurance. 3. The rental contract insurance system according to claim 1 or 2, wherein the server is provided with a property introducing means for transmitting rental property information to a user terminal, and with this property introducing means, an insurance introducing means is also provided. A rental contract insurance system characterized by being implemented. 4. The rental contract insurance system according to claim 3, wherein the user terminal is provided with a property application means for applying to the server for the introduced rental property contract, and the insurance application means is also provided with this property application means. A rental contract insurance system characterized by being implemented. 5. The rental contract insurance system according to any one of claims 2 to 4, wherein the server is provided with examination determining means for deciding whether or not to join insurance based on examination using information of the applicant. A rental contract insurance system characterized by being operated. 6. The rental contract insurance system according to claim 5, characterized in that a credit information database storing credit information of individuals and corporations is provided with a collating means for collating the information of the applicant. system. 7. The rental contract insurance system according to claim 6, wherein the examination agency terminal of the examination agency having the credit information database is connected to the server via the network, and the collating means of the server checks the applicant information with the examination agency. Rental contract insurance system characterized by sending it to a terminal for verification. 8. In a system for handling real estate rental property information via a network, a server is connected to a user terminal via the network, and the server has a property introducing means for transmitting rental property information to the user terminal, and a rental property. As an insurance alternative to the deposit that the borrower deposits with the lender under the contract, an insurance introduction method that introduces the insurance that the borrower pays the insurance fee to the institution that undertakes the guarantee to the lender to the user terminal and encourages the user to join, and apply from the user terminal Applicant information receiving means for receiving the name, contact information, etc. as information of the person, property application receiving means for receiving a contract application for a rental property from the user terminal, and insurance application reception for receiving the insurance application from the user terminal Method and examination decision means for deciding whether to join insurance based on examination using applicant's information, and rental agreement including whether to join insurance Lease insurance system provided with and the contract notifying means for notifying the user terminal. 9. In a system for handling real estate rental property information via a network, a user terminal is connected to a server via a network, and the user terminal has a requesting means for requesting the server to introduce the rental property, and the server. As an insurance alternative to the property introduction receiving method for receiving information on rental property information and the deposit deposit from the server to the lender under the rental contract from the server, the borrower pays an insurance premium to the institution that undertakes the guarantee to the lender. Insurance introduction receiving means for receiving introductions, applicant information transmitting means for transmitting name, contact information, etc. to the server as applicant information, property application means for applying rental property contract to the server, insurance participation A rental contract provided with an insurance application means for applying to the server and a contract content receiving means for receiving from the server the contents of the rental contract including whether or not to take out insurance. Insurance system. 10. A server of an institution that handles rental properties of real estate and a user terminal are connected via a network, and the server introduces a property introduction means for transmitting information of the rental property to the user terminal, and a borrower in a rental contract. As an insurance alternative to the deposit deposited with the lender, insurance introduction means that introduces the insurance that the borrower pays the insurance premium to the organization that undertakes the guarantee to the lender to the user terminal and encourages the user to join is provided, and the user terminal, A rental contract insurance system comprising property application means for applying to the server for the introduced rental property contract, and insurance application means for applying to the server for participation in the insurance. 11. The rental contract insurance system according to claim 10, wherein a screening agency terminal of a screening agency is connected to the server via a network. 12. The rental contract insurance system according to claim 10 or 11, wherein an insurance institution terminal of an insurance organization is connected to the server via a network. 13. The rental insurance system according to claim 10, wherein the lender terminal of the lender of the real estate rental property is connected to the server via a network. system.