JP2003162572A - Management system of credit information for leasing real estate property - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a management system of credit information on leasing real estate properties, capable of confirming the credit information of a lessor, when the owner of real estate leasehold property or the like concludes a lease contract. <P>SOLUTION: The management system is provided with a means for collecting money-receipt information, such as housing rent by connecting a contracted member's terminal 3 with an ANSER center 4 of financial institutions, a means for collating the collected money-receipt data with a hirer and performing money-receipt processing, a means for transmitting the data of causing money- receipt delay as a result of money-receipt collation to a service center 1 via a network 5, a means for registering/managing the credit information collected from a contracted member in a database 14, a means of performing authentication of the contracted member for a variety of requests from the contracted member's terminal, a means of inquiring the credit data of the database 14 when the contracted member is authenticated, and a means of collecting accounting information for the contracted member inquired of the credit information, etc. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to automatic deposit payment by a landlord property owner and a real estate agent who have become contract members by using a network such as the Internet to import deposit data of a lessee from an ANSER center of a financial institution. Monthly rental management can be performed by renewal processing, and at the same time, automatic delinquency judgment processing based on delinquency judgment criteria is performed, data determined to be delinquent is sent to the center, and the credit information database of the center is updated. As a result, the contract member refers to the credit information of the center when applying for occupancy from the lessee and uses it for resident determination.

[0002]

2. Description of the Related Art Conventionally, a rent management ledger is used by confirming the deposit data by processing the entry into a passbook at a bank counter or ATM, or by confirming the deposit data at a terminal using an ANSER center from a network such as the Internet. We use it for payment management by matching each lessee. Further, credit information such as rent delinquency is limited to information exchange for particularly malicious ones by using telephone, FAX, email, etc. within a limited number of companies of the same trade.

[0003]

[Problems to be Solved by the Invention] For example, delinquent information from a real estate rental property owner or real estate agent based on rent ledger management by conventional deposit processing can be exchanged only in a limited area and related parties. Also, because real estate agents have a duty of confidentiality, there is no means to exchange that information with the unspecified majority, and the amount of credit information is very limited.

Further, since the lessee moves without specifying the area and the number thereof is enormous, it is impossible at present to confirm the creditworthiness of the lessee. The purpose of the present invention is to collect this credit information automatically and effectively from all regions, strictly manage the information confidentially, and provide a means for the contract members to effectively utilize the credit information in real time. It is provided.

[0005]

SUMMARY OF THE INVENTION The present invention collects delinquent data based on delinquency criteria at the same time as performing payment processing such as rent that contract members routinely perform through a network such as the Internet. In addition, the necessary credit information is provided in real time to contract members who have a need for inquiring about the credit information.

That is, the present invention is a system for connecting a contract member terminal and a service center via a network such as the Internet to collect and inquire credit information. More specifically, the system according to the present invention (hereinafter referred to as the system) is a means for connecting a contract member terminal to an ANSER center of a financial institution through a service center to collect payment data of a lessee. , The means for processing the collected deposit data and the monthly scheduled deposit amount of the lessee and the lessee who meets the delinquency criterion are searched and collated, and the information is obtained from the contract member terminal via the network to the service center. A means for updating the credit information database built in the server of the service center, and a means for authenticating the contract member in response to a credit information inquiry request or the like from the contractor terminal for the database,
When the contract member is authenticated, it is provided with means for inquiring about credit information data managed as the database, and means for collecting usage information of the contract member who has made a data retrieval inquiry or the like. .

In order to carry out the present invention, it is necessary to collect a large amount of credit information, but for that purpose, a comprehensive system having the following functions is required. 1. Member registration function Those who wish to use this system should register in advance at the service center. At that time, unique information such as user ID and password for registering as a member is registered in the system. 2. Various functions when operating the system

The above function needs to be able to perform the following processing. 1) Registration of renters Members who manage rent payments using this system use terminals to register data about renters in advance in this system. The member can also request the service center to perform the registration work by sending a predetermined registration form in which necessary items are filled in to the service center. 2) Acquisition of rent payment information Members can use their system to AN at any time.
Connect to the SER center and acquire the payment statement data for the member account of the financial institution. 3) The rent payment management member uses this system to register the payment data based on the payment statement data and cash payment information acquired in 2),
Regularly (usually every month) manage rent payment for each property and lessee. 4) Judgment of delinquency and credit information When the member uses this system to perform the process of 3), the system automatically judges whether or not there is delinquency for each lessee, and the data of the lessee determined to be delinquent. Is automatically transmitted to the service center as credit information and registered in the credit information database of the service center. The standard for determining whether or not there is delinquency in this system is registered in the system in advance as a delinquency criterion database. This system refers to this delinquency criterion database to determine the presence or absence of delinquency and the credit rank of the lessee when there is delinquency. The credit information registered in this credit information database can be corrected or deleted by the system administrator of the service center by a predetermined method.

5) Inquiry of credit information By using this system, the member can inquire the credit information of the lessee at any time. Members who wish to make inquiries search the credit information database registered in the service center by entering the lessee specified keyword for inquiries into this system from their own terminals, and the credit information of the specified lessee To inquire. 6) Using the system from the member authentication terminal, 1), 2), 3),
A person who intends to perform the processing such as 5) needs to input the member authentication information and obtain the authentication as a member prior to the processing. The information for this system to authenticate the members is the above 1. This is the member authentication information registered in this system at the time of member registration. 7) Recording of usage information and billing information This system records the usage information and billing information in the system each time a member uses the system. The service center charges the member a usage fee of this system based on the billing information.

Various tools are required to perform the above-mentioned functions and processing, and for this purpose, known programs or self-made programs are used. The systems and functions required for these are described below. 1. Interface system A subsystem that serves as an interface between various application systems of this system stored in the server of the service center and terminals connected to a network such as the Internet. The interface system is an interface between the application system and the terminal browser, such as displaying various screens of the system on the WWW browser on the terminal side and accepting input from the terminal.
It is composed of an EB engine and a file transfer protocol (hereinafter referred to as FTP) system that transmits and receives files to and from the member terminals. For the WEB engine and FTP, a general-purpose system that is generally used is used. 2. Database management system This is a subsystem that manages various databases stored in the server of the service center. Database management is performed as an interface between the application system and the database. The database management system also uses a general-purpose system that is generally used. 3. Screen management system This is a subsystem that sends the portal screen etc. to the member terminal from the service center server. In response to the connection request from the member terminal, after the authentication by the member authentication management system is performed, the portal screen is sent to the member terminal,
It has a function of sending a screen common to the system, such as sending a processing end screen to the member terminal when the processing of the application system is finished, which is not an application-specific screen.

4. The server of the credit information registration system service center is an application subsystem that registers the credit information data received from the member terminal using FTP in the credit information database. If you receive credit information of a registered renter, update the corresponding renter data in the credit information database, or if you receive new renter credit information data,
A new record will be added. Access to the credit information database is made through a database management system. 5. Non-payment Judgment Criteria Management System This is a subsystem that manages registration / update of the non-payment judgment standard database that provides the criteria for the non-payment judgment when judging non-payment according to the payment status in the rent payment management system of the member terminal. The delinquency criterion database generated and managed by this subsystem is downloaded to the member terminal by FTP. 6. Credit Information Retrieval System This is a subsystem that searches the credit information database on the service center server and sends the retrieval result to the member terminal in response to a credit information inquiry request from the member terminal. When there is a credit information inquiry request from the member terminal, first, a screen for entering the key of the lessee to be searched is sent to the member terminal.
Next, the search key input using the screen and transmitted to the server is received, and the credit information database is searched based on the lessee search key. If the corresponding renter exists, the data is sent to the member terminal as a search result and displayed, assuming that there is no corresponding renter.

7. Member authentication management system This is a subsystem for authenticating whether or not the requester is a registered member when a connection request is made from the member terminal to the server of the service center. When there is a connection request from the member terminal, this subsystem first sends the authentication information input screen to the terminal. Whether the requester is a registered member by searching the member information database based on the member authentication information input and sent on that screen and matching it with the member authentication information registered in the database. Check whether or not. If the member is not authenticated as a registered member, the authentication information input screen is retransmitted to the terminal up to a predetermined maximum number of times to prompt re-input. When authenticated as a registered member, this subsystem transfers control to the screen management system and causes the terminal to output the screen of the next step such as the portal screen. 8. The billing information management system is a subsystem that records usage information and billing information in a usage information database and a billing information database when a member uses the service center. When a member uses the system on the server, the user ID, usage details, usage time, etc. are recorded in the usage information database, and the user ID, billing amount, etc. are recorded in the billing information database. 9. Interface system This subsystem is an interface between the application system of this system on member terminals and the service center server connected to the Internet. The interface system is an interface between the application system and the service center WEB engine, such as displaying and inputting various screens of this system on the terminal.
It consists of a WW browser and an FTP system that sends and receives files to and from the service center server. WW
For the W browser and FTP, a generally used general-purpose system is used.

The control system 32 of the member terminal 3 is a subsystem for registering renter information, managing rent payment, judging delinquency, and sending credit information to a service center in the member terminal 3. 10. Tenant information management system F1 In registering renter information, personal information for each renter input from the subsystem input screen of the member terminal is registered in the renter information database H1. This database is stored in the member terminal, but a backup can be stored in the server of the service center at the request of the member. In this case, when the member selects the option of saving the renter information database center, the renter information database of the member terminal is transmitted to the server of the service center using FTP. 11. Rent payment management system F2 In rent payment management, the payment data for each property and renter entered from the subsystem input screen of the member terminal is registered in the rent payment database. This database is stored in the member terminal, but a backup can be stored in the server of the service center at the request of the member. In this case, when the member selects the option of saving the rent payment database center, the rent payment database of the member terminal is transmitted to the server of the service center using FTP. 12. Delinquency determination and credit information F2 Following this rent payment management, delinquency determination processing is automatically performed. This determination process uses FTP in advance,
This is based on the criteria in the delinquency criteria database downloaded from the service center server. The data of the lessee determined to be delinquent in this determination process is temporarily written in the credit information file on the member terminal. When this delinquency determination processing is completed, the credit information file is further automatically transmitted to the server of the service center using FTP and registered in the credit information database on the server. This subsystem is characterized in that delinquency determination processing is automatically performed in accordance with rent payment management, and credit information is automatically transmitted to the service center and registered in the credit information database. The programs of the renter information management system and the rent payment management system are downloaded from the server of the service center to the member terminal using FTP prior to use.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is an overall view showing a configuration example of the present invention. In FIG. 1, 1 is a service center server, and 2 is a management terminal for the service center server. 3 is a member terminal and 4 is an ANSER center. The ANSER center 4 provides a service that mediates the connection between the member terminal 3 and the financial institution via the network, and transmits the payment status of the member's designated account at the financial institution from the financial institution to the member terminal 3. An organization operated by Communication Co., Ltd. Reference numeral 5 is a network such as the Internet. The server 1, the member terminal 3, and the ANSER center 4 are connected via the network 5. The server 1 connected to the network includes an interface system 11, a control system 12, a database management system 13, and a database 14. The member terminal 3 includes an interface system 31, a control system 32, a database management system 33, and a database 34.

Interface system 11 of server 1
Is a home page opened via the network and includes a Web engine A1 and an FTP system A2. The control system 12 includes a screen management system B1, a credit information registration system B2, and a delinquency criterion management system B.
3, credit information search system B4, member authentication management system B5, billing information management system B6, and the like. The database management system 13 manages new creation, correction, update, deletion, etc. of the credit information collected from the member terminal 3, information about members, information about usage of this system, billing information accompanying usage, etc. in the database 14. Is to do. The database 14 includes a credit information database D1, a delinquency criterion database D2, a member information database D3, a usage information database D4, and a billing information database D5.

The screen management system B1 is means for transmitting a portal screen or the like from the server of the service center 1 to the member terminal 3. The credit information registration system B2 is a data (credit information) regarding the delinquency of the real estate lessee from the member terminal 3.
Is a means for collecting and registering in the database. The delinquency determination criterion management system B3 is a means for providing a criterion for determining the state of delinquency from the payment status such as the rent of the lessee. The credit information search system B4 is means for transmitting a search screen for data regarding a specific item managed as the credit information database D1 to the member terminal 3 and browsing the data regarding the specific item. The member authentication management system B5 is means for authenticating whether or not the requester is an authorized member in response to a connection request from the member terminal to the service center by using cryptographic information or the like. The billing information management system B6 is means for managing billing information for members who have used various services provided by the service center in this system and member usage information.

The credit information database D1 is a database for recording credit information composed of data of specific items including delinquency information of real estate renters. The data regarding a specific item includes, for example, personal information such as a name identifying the lessee, and information such as rent that the lessee is in arrears. The delinquency criterion database D2 is a database that records information on criteria for determining delinquency based on the payment status of the rent of the lessee. For information on that standard,
For example, it includes a standard for delaying the deposit date and a standard for insufficient deposit amount. The member information database D3 is a database that records information about the member such as the user ID, name, and address of the member. The usage information database D4 is
It is a database that records information on the usage status of members who have used the services provided by the service center in this system. The billing information database D5 is a database that records information for billing members corresponding to the usage information.

FIG. 2 is a schematic diagram showing the contents of the member terminal 3. The member terminal 3 has an interface system 31,
It comprises a control system 32, a database management system 33, and a database 34. The interface system 31 includes a browser E1 and an FTP system E2. The control system 32 includes a renter information management system F1 and a rent payment management system F2. The database management system 33 manages the database 34. Database 34
Consists of a renter information database H1 and a rent deposit database H2.

The renter information management system F1 is means for registering and managing personal information of each renter in the member terminal 3. The rent payment management system F2 is means for performing management of the payment status of rent and the like, determination of delinquency, and sending of credit information to a service center at the member terminal 3.
The renter information database H1 is a database that records data relating to the name of the renter, date of birth, permanent address, etc., and data relating to the rented property such as property name and rent.
The rent deposit database H2 is a database that records the deposit status such as rent for each renter in the member terminal 3.

[0020]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT FIG. 3 is an overall view showing a general operation outline of the present invention. Hereinafter, a case where the present invention is realized by using a home page on the Internet will be described based on examples.

First, the service center 1 stores a necessary program in a server having necessary equipment,
Establish a home page on the Internet using the b engine, etc. The member accesses the home page of the service center 1 by the WWW browser of the member terminal 3 or the like. To the ANSER center 4, the member terminal 3 is ANSE
The R terminal 4 is connected to the R center 4 via the Internet, and the member terminal 3 acquires the deposit data from the financial institution via the ANSER center 4. The rent payment management system F2 of the member terminal 3 uses the acquired payment data to obtain the rent payment database H.
Write to 2 and manage. The rent payment management system F2
Continuing to automatically access the credit information registration system B2 of the service center 1, the delinquency criterion database D
Request registration of credit information determined based on 2. The credit information registration system B2 writes and manages the credit information sent from the member terminal 3 in the credit information database D1.

A member who desires to browse the registered credit information accesses the credit information search system B4 using the home page of the service center 1 as an interface by using the WWW browser of the member terminal 3 connected to the Internet. The credit information search system B4 acquires the credit information matching the search condition from the credit information database D1,
It is provided to the member terminal 3 using an interface called a home page.

At the time of connecting the member terminal 3 and the service center 1, this system is a member whose member is properly registered by the member authentication management system B5 by the member authentication information such as the user ID and password of the member. Certify that.

This system is a billing information management system B6.
Accordingly, the usage information such as the access status of the member terminal 3 is recorded in the usage information database D4, and the charging information for the charging process according to the usage amount of the system is recorded in the charging information database D5.

The operating company of the service center 1 charges the service center usage fee to the member based on the charging information recorded in the charging information database D5, and the member pays the charging.

An example of the structure of each database 14 managed by the database management means 13 in the service center 1 and each database in the member terminal 3 is shown below. "Credit Information Database D1" The credit information database D1 stores the name of the lessee, the date of birth, the place of residence, the credit rank, the delinquency statement data, and the like as items of the credit information. Among these, the lessee name, date of birth, and permanent place of residence are search keys when inquiring about credit information, and the credit rank and delinquency statement data are credit information of the lessee to be inquired about.

"Delinquent Determining Criteria Database D2" The delinquency determining criteria database D2 stores comparative items, deposit delay days, deposit deficit rate, etc. as criteria for determining delinquency. The comparison item is information that specifies payment items such as rent and management expenses that are subject to the determination of whether or not there is delinquency.The delay days of payment refers to the delay days of payment relative to the promised payment date, and the level of delay days of payment is the level. This is information for determining the credit level according to the number of delay days of actual deposit by separately specifying. In addition, the deposit shortage rate is the shortfall rate of the deposit amount relative to the promised payment amount. By specifying the deposit shortage rate at different levels, the credit level can be set according to the actual shortfall rate of the deposit amount. This is information for judging.

"Member Information Database D3" In the member information database D3, as information about members, classification (individual / corporation), name, date of birth, address, telephone number, F
The ax number, mail address, work place, charge debit financial institution name / account number / account name, user ID, password, etc. are stored.

[Usage Information Database D4] The usage information database D4 contains information such as the user's service center usage status, etc., including the user ID and sequence N.
o, date of use, time of use, type of use information, number of use information items, etc. are stored. The sequence No. is a sequence number automatically given to the member's service center connection.

"Billing Information Database D5" The billing information database D5 has a user ID, a sequence number, and information as billing information according to the usage status of members.
The date of use, the charge amount, etc. are stored.

"Renter's information database H1" The renter information database H1 contains information about renters as follows.
Application date, property name, room number, property data such as rent, individual / corporate classification, name, date of birth, permanent address, address,
Applicant data such as telephone number, workplace, date of payment of rent, payment method of rent, etc., resident data, guarantor data, etc. are stored. If the applicant is a corporation, the name is the name of the company, the date of birth is the date of establishment of the company, the domicile of residence is the company registration address, the address is the company address, and the telephone number is the person in charge of application of the company. Apply the numbers.

"Rent payment database H2" In the rent payment database H2, as information about rent payment from renters, data such as property name, room number, name, etc. regarding rentee, deposit amount, deposit date, deposit method The data related to the deposit of money etc. is stored.

FIG. 4 and FIG. 5 show the flow of the process of acquiring the data relating to the payment to the member account of the financial institution at the member terminal 3. First, when connecting to the service center 1 from the member terminal 3, the service center 1 will access the member terminal 3
Send the member authentication screen to. The member inputs the member authentication information such as the user ID and the password on the member terminal 3 and sends it to the service center 1. At service center 1,
The received member authentication information is collated with the member information database D3 to authenticate the member, and if the authentication is successful, the portal screen is transmitted to the member terminal 3. An example of the portal screen is shown in FIG. The member selects the deposit data acquisition menu from the portal screen displayed on the member terminal 3 and transmits instruction information for selecting the deposit data acquisition menu. The service center 1 receives the instruction information for selecting the deposit data acquisition menu, and connects the member terminal 3 to the ANSER center 4. At the answer center 4, the member terminal 3
Send the center menu screen. Members are member terminals 3
Select the deposit detail transmission menu from the ANSER center menu screen displayed in, and transmit the instruction information for selecting the deposit detail transmission menu. The ANSER center 4 receives the instruction information for selecting the payment statement transmission menu and requests the financial institution to transmit the payment statement. The financial institution receives the request for sending the deposit details and sends the deposit details to the ANSER center 4. The ANSER center 4 transmits the deposit details received from the financial institution to the member terminal 3. The member confirms the payment details displayed on the member terminal 3, clicks the button for disconnecting the connection with the ANSER center 4, and transmits a disconnection request. The service center 1 receives the request for disconnecting the connection with the ANSER center 4, and the member terminal 3 and the AN
The connection with the SER center 4 is disconnected, the usage information is registered in the usage information database D4, the charging information is registered in the charging information database D5, and the portal screen is transmitted to the member terminal 3.

FIGS. 6 and 7 show the flow of the rent payment canceling process and the delinquency determination process which are performed subsequent to the rent deposit data acquisition process of FIGS. 4 and 5. First, the member selects the deposit application menu from the service center portal screen displayed on the member terminal 3. In the member terminal 3, the deposit application process is executed and the process result is displayed. The member confirms the displayed processing result and makes correction input if necessary. This correction input is also used for cash deposits that are not deposits into financial institution accounts. After the deposit application process, the rent deposit information is registered in the rent deposit database H2. Continue to the member terminal 3 in advance
The delinquency judgment process is executed based on the judgment standard of the delinquency judgment standard database D2 acquired in step S3, and the processing result is displayed. The member confirms the displayed processing result and makes correction input if necessary. When this process ends, the credit information file is registered in the member terminal 3, and the contents of the credit information file are automatically transmitted to the service center 1.
In the service center 1, the contents of the received credit information data file are registered in the credit information database D1 and the usage information is registered in the usage information database D4. continue,
The service center 1 notifies the member terminal 3 that the credit information database D1 has been updated, and sends a screen displaying "Do you want to store rent payment data in the center?" The member is a rent deposit database H stored in the member terminal 3.
If you want to save the backup of 2 in the service center 1, click the save button and send the rent deposit database H2 to the service center 1. The service center 1 saves the received rent deposit database H2 as a backup, and registers the usage information in the usage information database D4 and the charging information in the charging information database D5. Subsequently, the service center 1 notifies the member terminal 3 that the rent deposit database H2 has been saved, and transmits a screen displaying “processing completed”. The member selects the end menu of the member terminal 3 to end the processing and disconnect the connection with the service center 1.

8 and 9 show the flow of processing when the member terminal 3 inquires of the service center 1 about the credit information. First, when the member terminal 3 connects to the service center 1, the service center 1 transmits a member authentication screen to the member terminal 3. Members are member terminals 3
Enter the user authentication information such as user ID and password with
Send to service center 1. At the service center 1, the received member authentication information is stored in the member information database D3.
The member is authenticated by collating with, and if the authentication is successful, the portal screen is transmitted to the member terminal 3. An example of the transmitted portal screen is shown in FIG. The member selects the credit information inquiry menu from the portal screen displayed on the member terminal 3 and transmits instruction information for selecting the credit information inquiry menu.
The service center 1 receives the instruction information for selecting the credit information inquiry menu and displays the credit information search screen on the member terminal 3
Send to. The member inputs a search key such as the name of the lessee, the date of birth, the domicile of residence, etc. on the credit information search screen displayed on the member terminal 3 and sends it to the service center 1. The service center 1 searches the credit information database D1 with the received search key, registers the usage information in the usage information database D4 and the charging information in the charging information database D5, and then transmits the corresponding credit information to the member terminal 3. . The member terminal 3 displays the received credit information. FIG. 16 shows an example in which the received credit information is displayed on the screen. The member selects the end menu of the member terminal 3 to end the processing and disconnect the connection with the service center 1.

10 and 11 show a flow of processing when registering lessee data in the member terminal 3. First, the member selects the renter registration menu on the member terminal 3 to activate the renter registration program. Enter the renter data on the displayed renter data input screen and click the register button. Since the contents input as the confirmation screen are displayed, if the OK button is clicked after confirmation, the renter data is registered in the renter information database H1. When the registration is completed, "Do you want to save the tenant data in the center?" Is displayed on the screen. If the member wants to save a backup of the renter information database H1 held in the member terminal 3 in the service center 1,
Click the save button. The member terminal 3 is connected to the service center 1, and at the service center 1, the member terminal 3
Send the member authentication screen to. The member inputs the member authentication information such as the user ID and the password on the member terminal 3 and sends it to the service center 1. At service center 1,
The received member authentication information is collated with the member information database D3 to authenticate the member. If the authentication is successful, the member terminal 3 is notified of the authentication success and the send button is displayed.
The member clicks the send button to send the renter information database H1 to the service center 1. At the service center 1, the lessee information database H1 received
Is stored as a backup, the usage information is stored in the usage information database D4, and the charging information is stored in the charging information database D5.
Register with. Subsequently, the service center 1 notifies the member terminal 3 that the renter information database H1 has been saved, and transmits a screen displaying "processing completed". The member selects the end menu of the member terminal 3 to end the processing and disconnect the connection with the service center 1.

12, FIG. 13 and FIG. 14 show the flow of processing when the service center 1 performs the renter data registration agency service. First, the member fills out the renter data on the registration form and sends it to the service center 1 by FA.
Send by X or mail. Upon receiving the registration form, the service center 1 calls the renter registration program on the center terminal, and inputs the renter data based on the contents entered on the registration form. The input data is confirmed on the displayed confirmation screen and saved as the renter information database H1, the usage information is registered in the usage information database D4, and the charging information is registered in the charging information database D5. The service center 1 notifies the member that the registration of the renter information database H1 is completed by FAX or mail. The member who receives the registration completion notice connects the member terminal 3 to the service center 1. The service center 1 transmits the member authentication screen to the member terminal 3. The member, user ID on the member terminal 3,
Enter the member authentication information such as password and send it to the service center 1. The service center 1 authenticates the member by collating the received member authentication information with the member information database D3, and if the authentication is successful, transmits the portal screen to the member terminal 3. The member selects the renter information database H1 reception menu from the portal screen displayed on the member terminal 3 and transmits instruction information for selecting the renter information database H1 reception menu. The service center 1 receives the instruction information of the renter information database H1 reception menu selection and uses the usage information in the usage information database D.
After registering the billing information in the billing information database D5, the lessee information database H1 is transmitted to the member terminal 3. The member terminal 3 registers the received lessee information database H1 in the lessee information database H1. The member selects the end menu of the member terminal 3 to end the processing and disconnect the connection with the service center 1.

[0038]

[Effects of the Invention] Conventionally, real estate rental property owners and real estate agents have individually managed payment of rent, etc.,
Regarding delinquency information of real estate renters, delinquent information in a very limited range could only be exchanged manually between the property owners or real estate agents in a limited range.
By using the system of the present invention, the real estate rental property owner and the real estate agent can share the database with the system of the service center via the network, and can perform the same individual payment management of rent etc. At the same time as the system, the delinquency information can be automatically registered in the database of the service center, and the delinquency information can be easily inquired. As a result, real estate rental property owners and real estate agents can easily perform payment management and can refer to the credit information of real estate renters collected and accumulated over a wide range at any time. There is an advantage that the credit information of the applicant can be easily confirmed at the time of reception.

[Brief description of drawings]

FIG. 1 is an overall view showing a configuration example of the present invention.

FIG. 2 is an explanatory diagram showing a configuration example of a member terminal 3 in the present invention.

FIG. 3 is an overall explanatory diagram showing an operation outline of the present invention.

FIG. 4 is a diagram showing a flow of processing in which the member terminal 3 requests payment data from the ANSER center 4.

FIG. 5 is a diagram showing a flow of processing in which the member terminal 3 acquires deposit data from the ANSER center 4.

FIG. 6 is a diagram showing a flow in which the member terminal 3 transmits to the service center 1 the result of processing of rent payment application and delinquency determination.

FIG. 7 is a diagram showing a flow in which the service center 1 notifies the member terminal 3 that the rent payment application and delinquency determination results received are registered in the database, and both parties share the same information.

FIG. 8 is a diagram showing the flow of the former stage of authentication and inquiry when inquiring of credit information from the member terminal 3 to the service center 1.

FIG. 9 is a diagram showing a latter stage flow when inquiring credit information from the member terminal 3 to the service center 1.

FIG. 10 is a diagram showing a flow of processing in which the member terminal 3 registers data relating to a lessee.

FIG. 11 is a diagram showing a flow of processing in which the member terminal 3 saves data related to the lessee in the service center 1.

FIG. 12 is a diagram showing a flow of processing in which a service center acts on behalf of and registers information in which members manually fill out renter data on a registration form.

FIG. 13 is a diagram showing a flow of processing in which a member connects to the service center 1 using the member terminal 3 after the service center 1 performs registration.

FIG. 14 is a diagram showing a flow of processing for receiving renter information after the member terminal 3 connects to the service center 1.

FIG. 15 is a diagram showing an example of a portal screen received by the member terminal 3.

16 is a diagram showing an example of a credit information inquiry screen transmitted to the member terminal 3. FIG.

[Explanation of symbols]

1 Service center or its server 11 Interface system 12 Control system 13 Database management system 14 Database 2 Management terminal for service center server 3 member terminals 31 Member terminal interface system 32 Member terminal control system 33 Member terminal database management system 34 Member terminal database 4 ANSER Center 5 network A1 Web engine A2 FTP system B1 screen management system B2 Credit information registration system B3 delinquency criteria management system B4 Credit information search system B5 Member Authentication Management System B6 Billing information management system D1 credit information database D2 delinquency criteria database D3 Member information database D4 usage information database D5 Billing information database E1 WWW browser E2 FTP system F1 renter information management system F2 rent payment management system H1 renter information database H2 rent deposit database

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Takayuki Saito             7-6-12 Hikarigaoka, Nerima-ku, Tokyo 808             Room

Claims (3)

[Claims] [Claim 1] The service center collects and manages credit information extracted based on specific conditions from rent payment management and payment information of the contract member terminal, through which each contract member inquires the credit information of the lessee. Is a system that can
Payment information such as rent from contract member's terminal
A means for collecting data from the SER center via the network, a means for performing the payment processing by collating the collected deposit data with the lessee, and transmitting the data for which a deposit delay has occurred as a result of the deposit verification to the service center via the network. Means, means for registering and managing the credit information collected from the contract member in the database, means for authenticating the contract member in response to various requests from the contract member terminal, and managing as the database when the contract member is authenticated. A real estate rental credit information management system, characterized in that it comprises means for inquiring the credit data that is present, and means for collecting the billing information for the contract member who made an inquiry for the credit information. 2. The real estate rental credit information management system according to claim 1, wherein the credit information of the ANSER center is collected from the contract member terminal, and specific credit information is sent to the service center from the collected data, and the contract member terminal. The real estate rental credit information management system is characterized in that the credit information data is provided in response to a credit information inquiry request from the home page of a service center on the network. 3. The real estate rental credit information management system according to claim 1 or 2, wherein the credit information data includes authentication information for identifying a lessee, credit level and accident content information. Real estate rental credit information management system.