JP2005018691A - Caution money alternative service support device and caution money alternative service support program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To support and promote a caution money alternative service and to calculate a value for a proper non-refundable compensation fee for every tenant who uses the service. <P>SOLUTION: This device comprises a DB 120 for registering tenant information including tenant identification information; a DB 121 for registering property information including the rent of a rental house; a non-refundable compensation fee calculation and registration means 11 for calculating the value of the non-refundable compensation fee and registering it as an execution value in a storage medium 12; a contract object information registration means 11 for registering the tenant information, the property information and the execution value in the storage medium 12 in association with each other; a repair information input means 15 for inputting the repair information of the house according to the leaving of the tenant; a compensation amount determination means 11 for determining the amount of the compensation fee paid to a lender based on the inputted repair information; and a compensation information registration means 11 for registering the compensation amount paid to the lender and the non-refundable compensation fee paid by the tenant in the storage medium 12 in association with the tenant identification information. The non-refundable compensation fee calculation and registration means updates the execution value based on the information registered by the compensation information registration means and registers the result to the storage medium 12. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to house lease management technology, and more specifically, to an apparatus and program for supporting a service (service) that reduces the burden of a deposit to be paid by a borrower when a lease contract is concluded. , Instead of depositing the deposit to the lender when the tenant enters the rental house, pay the compensation fee to the third party, and when the lease ends, the third party will give the lender the prescribed range. This is related to a security deposit replacement service support device and a security deposit replacement service support program for supporting a security deposit replacement service that pays the repair cost of the above as a restoration compensation fee.
[0002]
[Prior art]
Conventionally, a person who rents various rental houses (a housing complex such as an apartment or a condominium or a detached house) (hereinafter referred to as a borrower) is leased with a landlord such as a landlord (hereinafter referred to as a lender). When signing a contract, it was customary to pay the lender in addition to the rent, a security deposit (sometimes called a security deposit) and key money.
[0003]
Here, the key money is money paid as a reward to the lender (for example, one to two months of the monthly rent), and is not of the nature of being returned to the borrower even when the lease contract is terminated.
[0004]
On the other hand, security deposits (or guarantee deposits) are lease contracts that are paid to the lender (for example, for two to three months of monthly rent) for the purpose of securing the lender's rent claims, etc., and are separate from the lease contract Is paid based on. In general, the nature of this security deposit should be fully refunded to the lessee when the lease contract ends in the future. When a rental building is damaged (for example, when a borrower burns a carpet or the like with a cigarette), the refund can be made by subtracting the amount of the repair cost at the time of refund.
[0005]
In other words, when the lease contract ends due to circumstances such as the move of the borrower to another house, in order to restore the original condition of the house covered by the contract, a portion of the deposit is used for repair costs and the balance It has been a conventional practice to return the property to the borrower.
[0006]
However, under such leasing practices, the borrower's financial burden was large at the time of occupancy, and the lender was also bothered by various tasks such as settlement of expenses when the borrower moved out and recording repair costs. .
[0007]
Due to such an event, a new service for reducing the burden on the borrower and the lender in the lease and a technology for supporting the service have been demanded.
[0008]
In addition, as a service and service support technology to reduce the lump-sum payment at the time of moving out of the rental housing, the necessary expenses for the lump-sum payment (deposit, key money, security deposit, brokerage fee, contract renewal fee, the original state of Recovery system) is set for a loan of a predetermined period, and the system for automatically paying the total rent of the monthly loan payment and the monthly rent to the card company from the customer's designated account is known. (See Patent Document 1).
[0009]
On the other hand, as a service and service support technology for improving the efficiency of operations at the time of moving out of rental housing, repair information on rental properties that are vacated from the host computer's repair information database and payment information database prior to the eviction. If the repair quantity for each repair item is input to the mobile terminal at the witness site, the repair cost and the payment amount are automatically calculated based on the repair information and the payment information. There is a known system (see Patent Document 2).
[0010]
[Patent Document 1]
JP 2002-203025 A
[Patent Document 2]
JP 2001-263913 A
[0011]
[Problems to be solved by the invention]
However, under the leasing practices described above, there is a problem that the following disputes easily occur between the borrower and the lender as well as the individual burden on the borrower side or the lender side. In other words, at the end of the lease contract, the building is actually repaired after the move of the borrower, so the borrower is often not informed about the usage and amount of repair costs. There are cases where the deposit is not returned due to estimation of repairs that seem excessive, and there are cases where the borrower is charged with additional repair costs if the deposit is not enough, so there is a case between the borrower and the lender. The trouble was easy to happen. Furthermore, when a lease contract is concluded, the lender often gives a special provision for returning the deposit to the borrower, and there was a case in which there was a dispute over the validity of the special provision. In general, there have been many lenders who have not unreasonably returned deposits due to lack of understanding of the legal nature of deposits and the significance of “restoration” under conventional rental practices.
[0012]
In view of these circumstances, in recent years, when a lease agreement is concluded between a borrower and a lessor, the repair costs for restoration of the original state of the building, which are incurred at the end of the agreement, are used as third parties such as intermediaries. A new service has appeared to compensate, and a three-way contract has been concluded for this purpose.
[0013]
Specifically, an example of this three-party contract is as follows: “Instead of not paying the deposit to the lender, the borrower deducts some percent (for example, about 40%) of the monthly rent of the tenant for annual payment. “Payment to third party as compensation fee”, “At the end of the lease contract, the third party will pay the repair location, repair amount, repair cost of the rental building (the lender, borrower, For any one of the third-party organizations), an assessment is made based on the compensation agreement, and the repair amount assessed to be borne by the third-party organization is paid to the lender as compensation ”.
[0014]
The contents of this compensation agreement include, for example, “the lender bears the expense for items that should be replaced due to natural wear and general contamination due to normal use”, "The borrower bears the expense", "The third party bears the thing that should be replaced due to the damage, dirt, breakage, stain, etc. due to the borrower's negligence".
[0015]
According to such contracts and services (hereinafter referred to as “securities substitute service”), at the end of the lease contract, there is no scheme to return the deposit from the lender to the borrower, so troubles related to the return of the deposit are avoided. It becomes possible. In addition, since the third party conducts an assessment of the repair location and the repair amount for the restoration of the original condition based on the compensation agreement, the repair costs (cost burden) for the restoration of the original condition will be clarified and standardized, and It is possible to prevent and eliminate unnecessary conflicts. In addition, for the borrower, the burden on the lease contract will be reduced and the cash flow will be strengthened due to the cancellation of the deposit assets (deposit), the burden of restoration costs at the end of the lease contract will be reduced, and payment will be made to a third-party organization. Benefits such as the expense of compensation can be obtained. On the other hand, for the lender side, there are advantages such as security management, freeing up from various operations such as settlement and expense recording when the borrower leaves, and reduction in labor costs. It is done.
[0016]
Such deposit replacement services are currently being used more frequently, and are considered to have high utility value especially in the case of short-term lease contracts such as the following. In other words, deposit replacement services are in high demand for companies that use rental housing as company housing for a relatively short period of time, and employees of companies that are frequently transferred. In many cases, these are lease contracts and deposit replacement services. In fact, the three-party contract is based on the legal entity, not the individual. Also, the lenders are increasing the number of relocation properties that are rented in the short term due to circumstances such as relocation, and the deposit replacement service can be suitably used for such properties that are rented in the short term.
[0017]
However, it has been pointed out that the deposit replacement service has the following improvements.
[0018]
In other words, in the conventional practice (laws, etc.), if damage occurs due to use beyond “normal use”, for example, repair costs for damage due to negligence should be borne by the borrower. As described above, the purpose of deposit replacement service is to reduce the burden of restoring the original condition of the borrower at the end of the lease contract. Unless otherwise, the financial liability of the borrower does not occur, and repair costs for damages due to the negligence of the borrower will be paid to the lender by the third party as “compensation”.
[0019]
In addition, in deposit replacement services, each repair item is repaired based on “general dirt due to natural wear and normal use” that should be borne by the lender, or “dirt caused by negligence by the borrower” that should be borne by a third party. It may be difficult for a third party to clearly assess whether the repair is based on the above. In addition, repairs for restoration of the original condition when the borrower leaves are not limited to cases where a third-party organization places an order with a repairer. In fact, the lender places an order with the repairer, and the repairer In such cases, each repair item is for the original “restoration” or deviated from the scope of restoration. In other words, it may be difficult for a third party to clearly assess whether the purpose is “reform”.
[0020]
For these reasons, compensation replacement services tend to cover a wide range of compensation items and costs that should be borne by the third party organization.Furthermore, depending on the living attitude of the borrower and the common sense of the lender, etc. The burden cost has the property of fluctuating significantly. And with the current deposit replacement service, it is difficult to individually set the compensation fee rate for the lump sum compensation paid by the borrower to the third party, and it is currently operating at the same interest rate among each borrower. .
[0021]
On the other hand, as a result of earnest research, the present inventor has come to the idea that it is preferable to be able to operate the compensation fee rate of the withdrawal compensation fee in the deposit substitution service at a different interest rate for each borrower. .
[0022]
In other words, the deposit has the property that it should be returned in its entirety as long as it is in normal life, whereas in the deposit replacement service, if the number of borrowers with poor living conditions increases, the overall compensation rate (that is, the burden of each borrower) This will cause unfairness for borrowers who have a good track record of use, especially for borrowers who have repeatedly used deposit replacement services for relocation, etc. become. In other words, if you register the borrower's usage status record and build a system that lowers the compensation fee rate for the borrower who has a good usage status record, you can promote the use of deposit replacement services. I can expect.
[0023]
In addition, as described above, if the act of requesting the repair items for the “reform” from the lender side to exceed the scope of the original restoration is performed as compensation, it will eventually be necessary to increase the overall compensation fee rate. As a result, the cost burden on the borrower will increase, and it is necessary to construct a system to check for this.
[0024]
The present invention has been proposed in view of the above-described circumstances, and provides a technique for supporting and promoting the deposit replacement service, more specifically, for each borrower using the deposit replacement service. It is an object of the present invention to provide a deposit substitution service support device and a deposit substitution service support program that can calculate a reasonable value for a lump sum compensation fee and present it to a borrower.
[0025]
[Means for Solving the Problems]
The main configuration of the deposit replacement service support apparatus according to the present invention that solves the above problem is that, when moving into a rental house, the borrower pays a deposit compensation fee to a third party instead of depositing the deposit to the lender, At the end of a lease, this is a device that supports a deposit replacement service that pays a specified range of repair costs to a lender from a third-party organization, and various data including borrower identification information about the borrower Calculate the value of the borrower information database registered as the borrower information, the property information database in which various data including the rent amount for the rental house is registered as the property information, and the compensation fee, and round the calculated value Matching fee calculation registration and registration means to be registered in the storage medium as compensation fee execution value, and the corresponding borrower information, property information, and charge compensation fee execution value associated with the conclusion of the lease agreement Payment to the lender based on the contract object information registration means to be registered in the storage medium, repair information input means for entering repair information for the repair of the house upon moving out based on the termination of the lease contract, and the entered repair information Compensation information registration for registering compensation amount determining means for determining the amount of compensation money, compensation amount paid to the lender, and withdrawal compensation fee paid by the borrower in the storage medium in association with the borrower identification information And the charge compensation fee calculation / registration means updates the charge compensation fee execution value based on the information registered by the compensation information registration means and registers it in the storage medium.
[0026]
According to the security deposit substitute service support apparatus of the present invention, the charge compensation fee execution value is updated and registered every time the compensation information registration means is registered, and the updated value is presented to the borrower as the next execution value.
[0027]
Here, the borrower information database, the property information database, the storage medium used by the charge compensation calculation calculation registration means, the storage medium used by the contract object information registration means for registration, and the compensation information registration means for registration. The storage medium to be used need not be physically the same medium.
[0028]
In addition, a plurality of types of execution value registration fields are provided in the storage medium in which the rounding compensation fee execution value is registered, and the rounding compensation fee calculation registration means is at least one of them when the rounding compensation fee execution value is updated. The value in the execution value registration field may be updated and registered.
[0029]
For example, as the execution value registration column, the individual average value registration column for registering the average execution value for each individual related to the case where the property used for the deposit substitution service was contracted in the individual name, and the property used for the deposit substitution service were contracted in the corporate name A corporation average value registration field for registering the average execution value for each corporation related to the matter shall be provided, and the reimbursement fee calculation registration means will at least be a value in the individual average value registration field when updating the remuneration compensation execution value Update registration.
[0030]
By adopting such a configuration, the charge compensation compensation execution value for each individual using the deposit substitute service is updated and registered. Then, the renewal registration fee execution value can be used as an execution value when the individual uses the deposit replacement service next time.
[0031]
In addition, in the case of the above configuration, the charge compensation calculation calculation registration means determines whether the contract name of the property used for the deposit replacement service is a corporation or an individual when updating the charge compensation charge execution value, and determines that it is a corporation. In such a case, the value in the corporate average value registration column is updated and registered.
[0032]
With this configuration, if the property used for the security deposit substitution service is contracted in the name of a corporation, the running compensation charge execution value for each corporation to which the individual using the security deposit substitution service belongs is updated and registered. . The renewal-registered execution compensation fee execution value can be used as an execution value when the individual uses the deposit replacement service in the name of the corporation next time.
[0033]
Furthermore, the execution value registration column includes an overall average registration column for registering the overall average value of execution values for all properties used for deposit replacement services. The configuration may be such that when the execution value is updated, the value in the overall average value registration field is updated and registered. The execution compensation value updated and registered in the overall average value registration field can be used as an execution value when the deposit substitute service is used for the first time, for example.
[0034]
In addition, as an example of the update registration processing of the reimbursement compensation fee execution value, for the execution value registration column, the borrower has to register the theoretical compensation fee rate for each case that has previously used the deposit substitute service individually The theoretical compensation fee rate registration field is configured to be associated with each other, and the rounding compensation fee calculation registration means calculates the theoretical compensation fee rate for the case, and the calculated theoretical compensation fee rate value corresponds to the execution value registration field. A value obtained by accumulating the theoretical compensation fee rate value in each of the attached theoretical compensation fee rate columns is registered in the execution value registration column as the next rounding compensation fee execution value.
[0035]
Here, “theoretical compensation fee rate” means the compensation fee rate that should be originally, for example,
Theoretical compensation rate = A / B / C
A: Compensation amount paid to the lender
B: Number of payments for lump sum compensation paid by the borrower
C: Rent amount
It can be obtained from the following formula.
[0036]
In each of the above configurations, the borrower information database includes the identification information of the individual borrower and the identification information of the corporation to which the individual belongs as the borrower identification information, as well as the execution of the personal compensation fee. A storage area for registering the value and a storage area for registering the execution value of the relevant company's reimbursement compensation fee. The reimbursement fee calculation and registration means determines the contract name of the property when updating the reimbursement compensation fee execution value. If you decide to register the reimbursement fee execution value and determine that it is the name of the corporation, both the renewal registration of the borrower's reimbursement fee execution value and the renewal registration of the retirement compensation fee execution value of the corporation To do is listed as a preferred configuration .
[0037]
Further, in each of the above configurations, a communication unit that transmits and receives data to and from the borrower side terminal used by the borrower via a communication network is provided, and the communication unit is registered in the storage medium based on the access of the borrower side terminal. It is also possible to transmit the charge compensation fee execution value to the borrower side terminal.
[0038]
In addition, the main structure of the deposit replacement service support program according to the present invention that solves the above-mentioned problems is that, when moving into a rental house, instead of depositing the deposit with the lender, the lending compensation fee is paid to a third party organization. In order to support a deposit replacement service that pays repair expenses within the prescribed range to the lender from the third party organization as the compensation for restoration to the lender at the time of payment or lease termination, the computer includes the borrower identification information about the borrower Calculate the value for the borrower information database in which various data is registered as the borrower information, the property information database in which various data including the rent amount for the rental house is registered as the property information, and the surcharge compensation fee. Reimbursement fee calculation registration and registration means to be registered in the storage medium as the reimbursement fee execution value, along with the conclusion of the lease agreement, the corresponding borrower information and property information and the actual reimbursement fee Based on the inputted repair information, the contract object information registration means for registering in the storage medium in association with the value, the repair information input means for entering the repair information for the repair of the house upon moving out based on the end of the lease contract , Compensation amount determination means for determining the amount of compensation paid to the lender, compensation amount paid to the lender and withdrawal compensation fee paid by the borrower are registered in the storage medium in association with the borrower identification information The compensation information registration means functions as a compensation compensation fee calculation registration means that updates the compensation compensation fee execution value based on the information registered by the compensation information registration means and serves as a means for registering in the storage medium.
[0039]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described in detail with reference to the drawings.
[0040]
First, referring to FIG. 1, an overall outline of a security deposit substitution service support system to which the present invention is applied will be described.
[0041]
The deposit replacement service support system of the present embodiment shown in FIG. 1 includes a lease management apparatus 10 having various databases for managing the lease of a house, a tenant and a tenant of a rental house (hereinafter referred to as these persons). Borrower side terminals 20 (20A, 20B, 20C,..., 20n) that are used by the “borrower” and communicate with the lease management apparatus 10 via the communication network 100 such as the Internet.
[0042]
The lease management apparatus 10 is a computer in which the deposit substitution service support program of the present invention is installed, and functions as a server that communicates with the lease management apparatus 10 via the communication network 100.
[0043]
In the present embodiment, for the sake of simplicity, a case will be described in which a third party that is the execution subject of the deposit substitution service uses the lease management apparatus 10. The third-party organization is not particularly limited as long as it is a person other than the lender and the borrower of the rental house, but representative examples include a real estate broker and a financial operator.
[0044]
As shown in FIG. 1, the borrower-side terminal 20 has a function of communicating with the lease management apparatus 10 via the communication network 100, an operation input unit using a keyboard, a mouse, a key switch, etc., a display unit using an LCD, a CRT, etc. Various terminals equipped are included.
[0045]
As shown in FIG. 2, the lease management apparatus 10 includes a CPU 11 that controls the entire apparatus, an HDD 12 as an external storage unit that stores various databases and files to be described later, and an operation input unit including a keyboard, a mouse, and the like. 13, a display unit 14 by LCD or CRT, and a transmission / reception unit 15 by a modem or a terminal adapter for connecting to the communication network 100, and these units are mutually connected via a bus or interface (not shown). It is connected to the. Although not shown, of course, various devices such as a printer may be connected to the CPU 11 via an interface.
[0046]
As shown in FIG. 2, in the HDD 12 of the lease management apparatus 10, a borrower database 120 in which various data of the borrower of the leased property is registered as borrower information, and a property database in which various data of the leased property are registered as property information. 121, a lender database 122 in which information on the lender of the leased property is registered, a contract object information database 123 in which various information relating to the property subject to the lease contract, the lease contract and the deposit replacement service are registered, Information on the repair information database 124 in which information on repairs of rental houses in Japan is registered, and information on various contractors such as intermediaries that act as intermediaries during lease contracts and repair companies that perform repairs to restore the original condition are registered Trader database 125, and each data in each database 121-125 is individually It is registered in association with leasehold each (Property Code properties database 121 to be described later).
[0047]
Also, in the HDD 12 of the lease management apparatus 10, an assessment standard master file 126 and a member master file 127 are stored as files in which information on unified standards related to restoration of the rental house is registered. Here, in the assessment standard master file 126, it is determined whether the third-party organization, the lender, and the borrower will bear the costs for the individual repairs for the repair for the restoration of the rental house. Information about the unified standard is registered. On the other hand, in the member master file 127, information on the name of the repair member and its unit price is registered.
[0048]
Further, in the HDD 12 of the lease management apparatus 10, a compensation information file 128 is stored as a file for storing the total value of the deposit replacement service at the present time. Details of the compensation information file 128 will be described later.
[0049]
In this embodiment, each database and each file are stored in one HDD 12. However, it goes without saying that these databases and files may be stored in different storage media as necessary. is there.
[0050]
FIG. 3 illustrates one person's information (borrower information) registered in the borrower database 120. As shown in FIG. 3, the borrower database 120 includes, as personal information of the borrower, a personal ID, password, name, address, contact information (telephone number, fax number, email address, etc.), date of birth, family structure, Etc. are registered. Among these, the personal ID and password are used as information for login (authentication) when the borrower accesses the lease management apparatus 10 via the communication network 100 using the borrower side terminal 20.
[0051]
As shown in FIG. 3, when the borrower (individual) belongs to a specific corporation, in addition to the above personal information, corporate information such as a corporate ID, an employee number, and a department name is stored in the borrower database 120. Registered in Here, the “specific corporation” refers to a corporation to which a corporate ID has been issued by completing member registration for a deposit replacement service provided by a third party organization that uses the lease management apparatus 10. Therefore, when the borrower (individual) does not belong to a specific corporation, the corporation information is not registered.
[0052]
As can be seen from FIG. 3, in this embodiment, the first four digits of the personal ID are the same as the corporate ID, and this configuration speeds up the processing at the time of authentication described later. Can do.
[0053]
Further, as shown in FIG. 3, in the borrower database 120, information (numerical value) about the number of times of the use of the deposit substitution service as the use history of the deposit substitution service is registered in each of the personal information and the corporate information. It has become. In this embodiment, the number of deposit replacement services is used every time you enter a rental house, and even if you pay multiple deposit compensation, 1.
[0054]
Further, as can be seen from FIG. 3, in the borrower database 120, a storage area (“compensation fee (rate)” column) for registering and updating various values for the later-described compensation fee is stored as personal information. It is provided for each corporate information. Here, as the value of the withdrawal compensation fee registered in the “compensation fee (rate)” column, the theoretical value (theoretical compensation fee rate) as the compensation fee rate that should be originally, and the execution actually executed for the borrower It is roughly divided into a value (execution compensation rate), and details thereof will be described later.
[0055]
In the present embodiment, the above-described registration information in the borrower database 120 is appropriately set when the borrower makes a move (or reservation) for any property (house) registered in the property database 121 described later. This is copied and stored in the contract object information database 123 described later, and is registered in association with the property code of the leased property at this time.
[0056]
FIG. 4 illustrates the property information of one rental property registered in the property database 121.
[0057]
As shown in FIG. 4, the property database 121 includes a property code, property name, building structure, property classification (for example, apartment, apartment, detached house, etc.), address, nearest station, nearest station for leased properties. Walking time, presence of bus service, building date, monthly rent, common service fee, security deposit (information on how many months of rent), key money (information on how many months of rent), private area, floor plan (for example, one room) , 2LDK, 3DK, etc.), floor plan details (for each room, its use, size, floor structure (tatami, carpet, flooring, etc.), etc.), etc. are registered.
[0058]
In addition, as can be seen from FIG. 4, the property database 121 is provided with a “deposit substitution response” column that indicates whether or not the property can use the deposit substitution service. The lender can select whether or not the property is subject to deposit replacement service. In this example, if “Yes” is registered in the Deposit Replacement column, it is a property that can be used as a Deposit Replacement Service and can be a conventional contract. If “No” is registered, the Deposit Replacement This indicates that the property is subject to a conventional contract where the service is not available and a deposit is paid.
[0059]
Note that the property information registered in the property database 121 can be accessed by the borrower-side terminal 20 via the communication network 100 until the tenant, that is, the borrower is determined, and details thereof will be described later.
[0060]
In the lender database 122, information such as the name of the lender (rent collector in this example), code as identification information, address, contact information (telephone number, fax number, etc.), e-mail address, etc. are stored in the above property database. 121 is registered in association with each property code (see FIG. 4) of the leased property in 121. An example of information of one lender registered in the lender database 122 is shown in FIG.
[0061]
In the contract object information database 123, information on a property for which a lease contract has been concluded (or a property to be concluded), information on a borrower of the property, and various types of information on the contract are registered. In the present embodiment, a database of properties subject to deposit replacement services (hereinafter also referred to as “service use case database” for convenience) and properties subject to conventional contracts that pay deposits to lenders. FIG. 6 shows a service use case database in which various types of information related to one leased property for which a lease contract has been concluded and which is the subject of a deposit replacement service are registered.
[0062]
As shown in FIG. 6, in the service use case database of the contract object information database 123, a property code and a renter code are registered as information on a property (rental house) to be contracted, and information on the borrower of the property is obtained. The tenant code (the borrower's personal ID) and the contract name code (either the borrower's personal ID or corporate ID) are registered.
[0063]
In the service use case database, the contract number (see “Contract No.” column) registered after this contract for the three-party contract for lease contracts and deposit replacement services, information on contracts, contract start date, occupancy From the start date, the compensation fee rate (see “Deposit Deduction Compensation Rate” column) and compensation amount (see “Deposit Deduction Compensation Compensation Rate” column), and the borrower from the borrower. Rent paid to the lender (monthly rent), if renewed, contract renewal date, renewed rent (monthly rent) and compensation fee, end date of these contracts (cancellation date), contract end date ( The tenant's tenancy period until the cancellation date) is registered.
[0064]
Furthermore, in the service use case database, as the information on the restoration of the rental house, the status of the house at the time of moving in (see “Status of moving in”) declared by the borrower, and the status of the house at the time of moving out (see “ Status ”), information on the difference (deterioration degree) between the status of moving in and the status of moving out (see“ Restoring the original state of the fixed borrower ”), lender or repairer (hereinafter referred to as“ the lender ”for convenience) 3) Items and expenses for repairs of rental houses sent to the third party from the unit price check performed by the third party (see “Final Restoration Items and Expenses” column) ), The frequency of compensation paid by the third-party organization (see “Determined restoration rate (compensation)”)), and the amount of compensation paid by the third-party organization (ie, paid to the lender) Cost (Amount of compensation) "See column), information about the like are registered.
[0065]
In addition, items and expenses for repairs of rental houses sent from the lender side to the third party organization side are first registered in the column “Restoration Declaration Amount” in the repair information database 124. . The information in the “determined original restoration item / cost” column of the contract object information database 123 is a copy of the information in the “determined original restoration amount” column of the repair information database 124. FIG. 7 shows information on one leased property registered in the repair information database 124. Details of the registration process for each piece of information will be described later with reference to a flowchart.
[0066]
FIG. 8 is a diagram showing information of one repair company registered in the supplier database 125. As shown in FIG. 8, the supplier database 125 includes a repair company name, company code, address, contact information (phone number, etc.), contact person name, email address, payee bank, payee bank branch name, The account number of the payee bank is registered.
[0067]
FIG. 9 shows an example of the standard information regarding the cost burden ratio registered in the assessment standard master file 126. In this example, when the frequency is 1 to 5, the third party compensates at a rate of 0% to 100% and the rest is paid by the lender. It is out of the compensation of the person's organization.
[0068]
FIG. 10 is a diagram showing information on repair member names and unit prices registered in the member master file 127. As shown in FIG. 10, in the member master file 127, the unit price of the standard member and the unit price of the high-grade member are registered for the repair member.
[0069]
FIG. 11 is a diagram showing information registered in the compensation information file 128. As shown in FIG. 11, the compensation information file 128 includes the total amount of compensation received by the third-party organization in the year (the “total amount of compensation received (year)” column) and the cumulative total (“ "Total amount of compensation received (cumulative)"), total number of receipts per year ("total number of compensation received (years)"), and total number of times received ("total number of compensation received (cumulative)") ), The total amount of compensation paid by the third party to the lender for the year (total payment compensation fee (year) column) and the total payment to date (total payment compensation fee (cumulative) column), and In addition, the current execution compensation fee rate for the entire security deposit substitution service (“execution compensation fee rate (overall)” column) and other various information relating to the overall operation status of the security deposit substitution service are registered. Details of the registration processing of these information will be described later with reference to a flowchart.
[0070]
Thus, in the lease management apparatus 10 having such a data structure, the CPU 11 communicates with the borrower side terminal 20 via the communication network 100, an authentication means for authenticating the borrower during the communication, and a security deposit. It will function as a means for performing various processes for alternative services.
[0071]
Here, the main processes among the various processes related to the security deposit substitute service include a search screen data transmission process for transmitting search screen data corresponding to each borrower at the time of communication with the borrower side terminal 20, and a deposit substitute service. Calculate the compensation compensation fee for each borrower, register the compensation value in the HDD 12 as the compensation compensation execution value, and register the relevant compensation with the conclusion of the lease agreement. The contract object information registration process for registering the information, the property information, and the charge for executing the compensation fee in the contract object information database 123 of the HDD 12, and the repair information on the repair of the house with the retreat based on the end of the lease contract The repair information registration process to be registered in the contract object information database 123 of the HDD 12, the next rounding compensation fee execution value regarding the retired borrower, etc. are calculated, and the HDD 12 Mentioned processing for registering the Kake捨 compensation charge execution value update will be described later with reference to flowcharts for details about each of these processes.
[0072]
Next, processing performed by the lease management apparatus 10 during communication with the borrower-side terminal 20 will be described mainly with reference to the flowchart of FIG.
[0073]
In this security deposit substitute service support system, first, the borrower operates the borrower side terminal 20 to access a predetermined site, and as shown in FIG. A login screen for prompting transmission of the personal ID and password (see FIG. 3) is displayed.
[0074]
Here, by operating the borrower side terminal 20 so that the borrower inputs the personal ID and password and selects the “login” button, the login information is transmitted to the lease management apparatus 10 via the communication network 100.
[0075]
At this time, the CPU 11 of the lease management apparatus 10 is in a standby state until the login information is received (step S11). When the login information is received via the transmission / reception unit 15 (Yes in step S11), the login information is stored in the internal memory or the like. Temporarily stored in step S12, the process proceeds to step S12. In step S12, an authentication process is performed to determine whether or not the member is a regular member.
[0076]
Specifically, in the authentication process in step S12, the CPU 11 refers to the registration information in the borrower database 120, and proceeds to step S13 if the received login information is registered, and if it is not registered. Until the regular login information is received, the transmission / reception unit 15 is controlled to transmit data of an error display screen (not shown) that prompts re-input of the login information to the borrower side terminal 20.
[0077]
In step S13 after the authentication process, the CPU 11 transmits the data of the menu screen to the borrower side terminal 20, and then proceeds to step S14 and waits for a request (command).
[0078]
FIG. 14 shows an example of a menu screen displayed on the display unit of the borrower side terminal 20. In this example, when a user wishes to preview a property that has been clicked on the menu screen to search for various rental houses registered in the property database 121 (“Property Search” button) or any property that has been searched, etc. "Preliminary request" button, "Temporary reservation" button to make a temporary reservation for a rental house that has undergone a preliminary inspection, and the contents of the check sheet that will be described later when ending a contract or moving out after the contract ends "Check sheet input" button to input, various click buttons such as request for registration of various data such as cancellation application and renewal application, request for change of personal information such as borrower's address and password, request for logout, etc. Is done.
[0079]
Then, in step S14 after the transmission of the menu screen data, the CPU 11 monitors the received signal from the borrower side terminal 20 and enters a standby state until some request (command) is sent. When received, the process proceeds to step S15 to step S18, and processing corresponding to the type of received request is performed.
[0080]
That is, the CPU 11 determines whether the sent command is a property search request (whether the property search button has been clicked) (step S15), whether it is a provisional reservation request (step S16), check sheet input If it is determined whether the request is a request (step S17) or another request (step S18), and the property search request is determined (Yes in step S15), the process proceeds to step S19. If it is determined that the request is a reservation request (Yes in step S16), the process proceeds to step S20. If it is determined that the request is a check sheet input request (Yes in step S17), the process proceeds to step S21, and other requests (step S18). When it determines, it transfers to step S22.
[0081]
In step S19, the CPU 11 performs processing for transmitting the property search screen data to the borrower side terminal 20. In step S20, the CPU 11 performs processing for transmitting the temporary reservation input form data to the borrower side terminal 20, and in step S21. Depending on the current situation of the borrower, a process of transmitting a check sheet for entering or leaving a check sheet, which will be described later, to the borrower side terminal 20 is performed. In step S22, various processes corresponding to the clicked button are performed. .
[0082]
In addition, when the CPU 11 completes any one of the processes from step S19 to step S22, the CPU 11 again enters the request waiting state in step S14, and until the connection is terminated by a logout request from the borrower side terminal 20 or the like, the above-described steps S15 to S15 are performed. The process of step S22 is repeated.
[0083]
Next, the details of the search screen data transmission process performed by the lease management apparatus 10 during communication with the borrower side terminal 20, that is, the subroutine of step S19 will be described mainly with reference to the flowchart of FIG.
[0084]
If it is determined Yes in step S15 described above, the CPU 11 of the lease management apparatus 10 first transmits data on the search condition input screen for narrowing down the search condition for the rental house to the borrower side terminal 20 in step S191. As described above, the transmission / reception unit 15 is controlled, and the process proceeds to step S192. The process waits in step S192 until input data from the borrower side terminal 20 is transmitted.
[0085]
FIG. 16 shows an example of a search condition input screen transmitted from the lease management apparatus 10 and displayed on the display unit of the borrower side terminal 20.
[0086]
In this search condition input screen, as shown in FIG. 16, for example, the area, rent, floor plan, etc. of the property to be moved in can be selected by a pull-down method. Also, here, whether the name of the contract is a corporation (hereinafter also referred to as a corporate contract) or an individual (hereinafter also referred to as an individual contract), and whether or not to use a security deposit substitute service (security deposit replacement compensation service). It is a screen for selecting whether or not to enter. That is, in the present embodiment, the search condition input screen is also a screen for allowing the borrower to select whether or not to use the deposit substitution service (deposit substitution compensation). Here, when the borrower operates the borrower side terminal 20 to determine each input item and clicks the “search” button, input data for each item is transmitted to the lease management apparatus 10.
[0087]
When the transmission / reception unit 15 receives this input data (Yes in step S192), the CPU 11 of the lease management apparatus 10 temporarily stores the received data in the internal memory and determines whether or not the borrower uses the deposit replacement service. (Step S193) Yes, if it is determined to be used, the process proceeds to Step S194. If No, that is, it is determined not to be used, the process proceeds to Step S195.
[0088]
In step S194 after determining that the deposit replacement service is to be used, the CPU 11 determines, from the property database 121 described above with reference to FIG. Among them, the transmission / reception unit 15 is controlled so as to transmit the data of the property that matches the search conditions such as the above-mentioned area, rent, floor plan, etc. to the borrower-side terminal 20, and the process proceeds to step S196. It waits until a content display request for deposit substitute service is sent from the side terminal 20.
[0089]
Although not shown, at this time, the display unit of the borrower side terminal 20 is in a state where a click button for displaying the contents of the deposit replacement service is displayed together with information on various properties as a search result. When this click button is selected, a deposit display substitute content display request is transmitted to the lease management apparatus 10.
[0090]
On the other hand, in step S195 after determining that the deposit replacement service is not used, the CPU 11 matches the search conditions such as the above-mentioned area, rent, floor plan, etc., among the data of all the properties registered in the property database 121. The transmission / reception unit 15 is controlled so as to transmit the data of the existing property to the borrower-side terminal 20, and the process returns to step S14 described above.
[0091]
Although not shown in the drawing, at this time, unlike the case of step S194 described above, only the information on various properties is displayed on the display unit of the borrower side terminal 20, and the contents of the deposit replacement service are displayed. A screen that does not include a click button or the like is displayed.
[0092]
When the transmission / reception unit 15 receives the deposit substitution service content display request (Yes in step S196), the CPU 11 refers to the borrower information in the borrower database 120 in step S197 and the input data received in step S192. Based on the above, it is determined whether the contract name is a corporation or an individual (step S198). If it is determined that the contract is a corporation, the process proceeds to step S199. If it is determined that the contract is an individual, the process proceeds to step S200. .
[0093]
In step S199, based on the reference result in step S197, the CPU 11 determines whether or not the contract holder (in this case, a corporation) already has a record of using the deposit replacement service in the corporate information in the borrower database 120. Judgment is made based on the data in the “number of deposit replacement service usage” column (see FIG. 3). If Yes, that is, if there is a usage record, the process proceeds to step S201. If No, that is, there is no use record, the process proceeds to step S202. .
[0094]
Similarly, in step S200, based on the reference result in step S197, the CPU 11 determines whether or not the contract holder (in this case, an individual) already has a record of using the deposit replacement service in the borrower database 120. Judgment is made on the basis of the data in the “number of deposit replacement service usage” column (see FIG. 3) of the personal information. If Yes, that is, if there is a usage record, the process proceeds to step S203. Migrate to
[0095]
In step S201, the CPU 11 calculates the value of the effective compensation fee registered in the “compensation fee (rate)” column (see FIG. 3) of the corporate information in the borrower database 120, and the monthly fee of the property (see FIG. 3). 4), the transmission / reception unit 15 is controlled to transmit the data to the borrower side terminal 20, and the process returns to the above-described step S14. .
[0096]
As a result, the display unit 14 of the borrower-side terminal 20 displays the average value based on the actual use of the deposit substitution service of the corporation (corporate, etc.) for the compensation fee rate. A value based on the value is displayed, and details of the average value calculation process will be described later.
[0097]
In step S203, the CPU 11 calculates the value of the effective compensation fee registered in the “compensation fee (rate)” column (see FIG. 3) of the personal information in the borrower database 120, and the monthly fee of the property. Step S14 described above is performed by generating the data of the screen that displays the value of the execution compensation fee multiplied by (see FIG. 4) and controlling the transmission / reception unit 15 to transmit this data to the borrower side terminal 20. Return to.
[0098]
As a result, the display unit 14 of the borrower-side terminal 20 displays the average value based on the usage record of the individual deposit replacement service for the compensation fee rate, and the compensation fee amount is a value based on this average value. The details of the average value calculation process will be described later.
[0099]
On the other hand, in step S202 after it is determined that there is no usage record, the CPU 11 generates screen data for displaying the registration data in the “execution compensation rate (overall)” column of the compensation information file 128 described above, and this data. Is transmitted to the borrower-side terminal 20, the transmission / reception unit 15 is controlled, and the process returns to step S14 described above.
[0100]
As a result, the display unit 14 of the borrower side terminal 20 displays a calculated value based on the overall average value based on the actual use of all users of the deposit substitution service for the compensation fee rate. Details of the calculation process will be described later.
[0101]
In this system, by performing such processing, the compensation fee rate and compensation amount for the lump sum compensation fee calculated individually for each borrower (individual or corporation) can be used for lease contracts and security deposit substitute services. Since the information is displayed on the display unit of the borrower-side terminal 20 in advance, the borrower can know at a glance the situation regarding the compensation rate of the current withdrawal compensation fee.
[0102]
FIG. 17 shows an example of the compensation fee rate and the compensation fee amount displayed on the display unit of the borrower-side terminal 20 by any one of the above-described steps S201 to S203. In this example, since the compensation fee rate is 40% and the monthly rent is 100,000 yen, the case where the annual compensation fee is calculated to be 40,000 yen is shown.
[0103]
In addition, as shown in FIG. 17, in this example, a value for the compensation fee is displayed together with a “provisional reservation” button for making a temporary reservation for entering the property, that is, for entering into a lease contract, etc. By operating the borrower side terminal 20 and clicking this provisional reservation button, a provisional reservation request (step S16) is transmitted to the lease management apparatus 10.
[0104]
When the CPU 11 of the lease management apparatus 10 receives this temporary reservation request at the transmission / reception unit 15 (Yes in step S16), the property code of the property to be temporarily reserved (see FIG. 4) and the lender's lender code (see FIG. 5). ), The borrower's personal ID, and the contractor's ID (personal ID or corporate ID), which are extracted from the contract object information database 123 in the “Property Code” field, the “Lender Code” field, The HDD 12 is controlled so as to be registered in the “resident code” column and the “contract name code” column (see FIG. 6) and to register a new contract number in the “contract No.” column. In addition, the CPU 11 performs processing such that the information on the property registered in the property database 121 cannot be searched at the borrower-side terminal 20, for example, processing for setting a flag indicating that the property is not to be searched. Controls the HDD 12.
[0105]
After this, if the tenant moves into the rental house using the tenant replacement service, the lessee enters into a lease agreement with the lender and pays the rent to the lender, Abandonment compensation fee (40,000 yen per year in the above example) based on the individually set compensation rate (40% of the monthly rent in the above example) after the above-mentioned three-party contract with the lender Will be paid to a third-party organization, and occupancy for a predetermined period (for example, three years) based on the lease contract will be started.
[0106]
The contract details of the lease contract and the three-party contract, such as the contract date, contract period (that is, occupancy period), occupancy start date, abandonment compensation amount per year, the date of receipt of the initial compensation fee amount, contract Various information such as the end date is registered in the corresponding column (see FIG. 6) of the contract object information database 123 by appropriately operating the operation input unit 13 by the system administrator.
[0107]
In this system, the tenant will be issued a check sheet at the time of moving in and will be promptly submitted to a third party after moving in. This check-in check sheet is for checking the condition of damage to the rental house at the time of move-in, and a plurality of question items can be checked in a selection format.
[0108]
In the present embodiment, a check sheet form at the time of occupancy is automatically generated at a predetermined time and transmitted to the borrower side terminal 20 for the case registered in the contract object information database 123 accompanying the provisional reservation described above. At the same time, it is managed whether check data at the time of moving in has been sent from the borrower. Hereinafter, this process will be described with reference to the flowchart of FIG.
[0109]
In step S31, the CPU 11 of the lease management apparatus 10 refers to the contract object information database 123 to determine whether or not the present contract has been made. If it is determined that the present contract has been made, the process proceeds to step S32. Note that the determination in step S31 may be made, for example, by monitoring the “contract start date” field in the contract object information database 123 and determining whether the contract date is registered in the field.
[0110]
In step S <b> 32, the CPU 11 adds 1 to the numerical value in the “number of times of deposit substitute service use” of the borrower registered in the borrower database 120, and proceeds to step S <b> 33. Here, when the contract name is a corporation, 1 is added to the numerical value in the “Number of times of deposit substitute service use” column for both personal information and corporate information, and when the contract name is an individual, 1 is added to the numerical value only in the “number of times of substitute service use” column.
[0111]
In step S <b> 33, the CPU 11 generates and transmits a tenant check sheet form. Specifically, the CPU 11 generates a tenant check sheet form based on the floor plan information and floor plan detailed information on the rental house registered in the property database 121 and the registration information of the assessment reference master file 126, and After controlling the transmission / reception unit 15 to transmit the form data to the mail address of the borrower, the process proceeds to step S34.
[0112]
In the present embodiment, as the transmission processing of the CPU 11 in step S33, the form data of the check sheet at the time of occupancy is not directly transmitted, but “please access the predetermined site and input the check sheet. ”Is sent.
[0113]
Therefore, in this system, the borrower who has read this e-mail accesses the above-mentioned predetermined site on the borrower side terminal 20, and clicks the check sheet input button from the menu screen after login (FIG. 14), so that the check sheet at the time of occupancy And the check content data are transmitted to the lease management apparatus 10, whereby the check content data is registered in the “status at the time of occupancy” column of the contract object information database 123 (see FIG. 6).
[0114]
FIG. 19 shows an example in which a check sheet at the time of occupancy is downloaded at the borrower side terminal 20 and check contents are input. In the example of FIG. 19, the state of damage in each part of the house (for example, whether it is new, new, as well as having spots, scratches, etc.) can be selected by a pull-down method. Here, each numerical value for the “state-” column at each location in the center indicates that the greater the number, the greater the degree of damage. In addition, the “material” column of each part may be entered by the borrower using a pull-down method because the material may not be registered in the property database 121.
[0115]
In step S34, the CPU 11 of the lease management apparatus 10 monitors the “occupancy start date” column of the contract object information database 123, and waits until the occupancy start date is registered for the property. If it determines with (Yes in step S34), it will transfer to step S35.
[0116]
In step S35, the CPU 11 stands by until a predetermined number of days elapses from the start date of occupancy. Here, the predetermined number of days is a waiting period for submitting a check sheet at the time of occupancy, and in this embodiment, the check sheet is mailed to a third party due to the circumstances of the borrower (for example, due to failure of the borrower side terminal 20) For example, if you have to do this, it is set to 2 weeks. When the check sheet at the time of moving in is mailed, the system administrator may operate the operation input unit 13 and register it in the contract object information database 123.
[0117]
In step S 36, the CPU 11 refers to the “Status at the time of occupancy” column of the contract object information database 123 to determine whether or not the data on the check sheet at the time of occupancy from the borrower has been registered. If it is determined that it is not registered, the process proceeds to step S37. If Yes, that is, if it is determined that it is registered, the process ends.
[0118]
In step S37, the CPU 11 performs a process of sending a reminder mail to the borrower's mail address, returns to step S35, and performs the processes of steps S35 to S36 to step S37 until the check-in data at the time of occupancy is registered. repeat. FIG. 20 shows an example of the reminder mail transmitted in step S37.
[0119]
Note that it is useless to repeatedly send a reminder email until cooperation from the borrower cannot be obtained, so in this embodiment, the reminder email is sent only twice, and the reminder email is sent twice. The CPU 11 is set to finish the process by regarding the determination in the next step S36 as being registered regardless of the registered contents of the contract object information database 123.
[0120]
However, in fact, by stating the purpose of the check-in sheet and penalties for non-submission in the above-mentioned three-party contract or reminder email, the situation of non-submission check sheet can be avoided. it is conceivable that.
[0121]
Next, the processing performed by the lease management apparatus 10 in the period before and after the end of the contract period will be described with reference to the flowchart of FIG.
[0122]
In step S41, the CPU 11 of the lease management apparatus 10 determines whether there is an application for cancellation from the borrower at the end of the contract period (step S41) or whether there is an application for renewal (step S42). If it is determined that there is an application (Yes in step S41), the process proceeds to step S43. If it is determined that there is an application for update (Yes in step S42), the process proceeds to step S44.
[0123]
In this embodiment, for these cancellation applications or renewal applications, the borrower accesses the above-mentioned predetermined site on the borrower side terminal 20, and clicks the button for requesting registration of various data from the menu screen after login (FIG. 14). Thus, the cancellation application or renewal application data can be transmitted to the lease management apparatus 10.
[0124]
In step S43, the CPU 11 controls the transmission / reception unit 15 to transmit the data of the check sheet at the time of leaving to the mail address of the borrower, and proceeds to step S45. As the check sheet data at the time of leaving, it is possible to use the check sheet data at the time of occupancy generated in step S32 described above as it is.
[0125]
Further, in the present embodiment, as the transmission processing of the CPU 11 in step S43, the check sheet form data is not transmitted directly, but the “seat sheet is accessed by accessing a predetermined site” as in the above-described process at the time of moving in. Please send an e-mail with a message such as “Please input to”.
[0126]
Therefore, in this system, the borrower who has read this e-mail accesses the above-mentioned predetermined site at the borrower-side terminal 20, and clicks the check sheet input button from the menu screen after login (FIG. 14), so that the check sheet at the time of leaving And the check content data are transmitted to the lease management apparatus 10, whereby the check content data is registered in the “removal status” column of the contract object information database 123 (see FIG. 6).
[0127]
FIG. 22 shows an example in which a check sheet at the time of leaving is downloaded at the borrower side terminal 20 and the check content is input. As can be seen by comparing FIG. 19 and FIG. 22, in general, the degree of damage in each part of the house is larger when moving out than when moving in.
[0128]
On the other hand, in step S44, the CPU 11 performs various processes for renewing the contract of the borrower, whereby “contract renewal date 1” and “renewed monthly rent” in the contract object information database 123 (FIG. 6). “1”, “Renewal deposit replacement compensation fee 1” and the like are newly created. The contract contents based on the renewal contract concluded between the lender and the borrower and the new three-party contract concluded between the lender, the borrower and the third party organization are stored in the contract object information database 123. It will be registered in the above fields. This registration is mainly performed by the system administrator by operating the operation input unit 13, and the details are omitted.
[0129]
In step S45, the CPU 11 waits until a predetermined number of days elapses from the time of leaving check sheet data transmission. When the predetermined number of days elapses (Yes in step S45), the CPU 11 proceeds to step S46. Here, the predetermined number of days is a waiting period for submitting the check sheet when moving out. In this embodiment, the check sheet is mailed to a third party due to the borrower's circumstances (for example, due to a malfunction of the borrower side terminal 20). The period is set shorter than the time of moving in (for example, about one week) in consideration of the urgency of the moving-out date. When the check sheet at the time of leaving is mailed, the system administrator may operate the operation input unit 13 and register it in the contract object information database 123 as in the case of moving in.
[0130]
In step S 46, the CPU 11 refers to the “removal status” field (FIG. 6) of the contract object information database 123 and determines whether or not the data on the check sheet when moving out of the borrower has been registered. If NO, that is, if it is determined that it is not yet registered, the process proceeds to step S48. If YES, that is, if it is determined that it is registered, the process proceeds to step S47.
[0131]
In step S48, the CPU 11 performs a process of sending a reminder mail addressed to the borrower's mail address, returns to step S45, and performs the processes in steps S45 to S46 to S48 until the data of the check sheet at the time of leaving is registered. repeat. The contents of the reminder mail are the same as in the case of moving in shown in FIG.
[0132]
Note that it is useless to repeatedly send a reminder email until cooperation from the borrower cannot be obtained, so in this embodiment, the reminder email is sent only twice, and the reminder email is sent twice. In the determination at the next step S46, it is set to be regarded as registered regardless of the registered contents of the contract object information database 123 and to proceed to step S47.
[0133]
However, in reality, the above-mentioned three-party contract or reminder email will clearly indicate the purpose of the check sheet when moving out and the penalties for not submitting it, so that the check sheet when moving out can be avoided. it is conceivable that.
[0134]
In step S47, the CPU 11 determines whether or not the tenant check sheet data from the borrower is registered with reference to the “status at the time of occupancy” column of the contract object information database 123, and Yes, that is, is registered. If NO, the process proceeds to step S49. If NO, that is, if it is not registered, the process proceeds to step S50.
[0135]
In step S49, the CPU 11 compares the data on the check sheet when moving in and the data on the check sheet when moving out, extracts differences regarding the damaged items and the degree of damage, and reports each piece of information including the difference information to the borrower. After the data is registered in the “definite borrower declaration original state recovery” column (FIG. 6) of the contract object information database 123, the process proceeds to step S51.
[0136]
On the other hand, in step S50, the CPU 11 regards the check sheet data at the time of moving in as if the state of each check item of the house at the time of moving in is "same as new", and uses this data and the data on the check sheet at moving out. In comparison, the difference between the damage item and the damage degree is extracted, and this difference information is registered as the borrower declaration data in the “determined borrower declaration original state recovery” column (FIG. 6) of the contract object information database 123, and then the step S51. Migrate to
[0137]
In step S51, the CPU 11 transmits the borrower declaration data extracted in step S49 or step S50 to the mail address of the borrower in, for example, an e-mail attachment file format, and the process proceeds to step S52. In addition, in this e-mail, “I want you to check if the data is correct”, “I want you to point out if there is a point to be corrected and send it back by the due date” Post a message such as "If there is no indication of correction by the due date, the data will be finalized."
[0138]
FIG. 23 shows an example of the borrower declaration data displayed on the display unit of the borrower side terminal 20. In the example shown in FIG. 23, the input contents of the check sheet at the time of moving in and the check sheet at the time of moving are displayed in comparison, and by using such a comparison table format, for example, the value at the time of moving out is greater than the value at the time of moving in The points that need to be checked can be seen at a glance, as in the case of a low (ie, new) case. In addition, in the contract object information database 123 of the lease management apparatus 10, in addition to the information shown in FIG. 23, the difference value (ie, the value at the time of moving-the value at the time of moving in) of the state of each location is “definite tenant declaration. It is in a state registered in the “original restoration” column (FIG. 6).
[0139]
In step S52, the CPU 11 determines whether or not to confirm the borrower declaration data. If Yes, i.e., if it is determined to be confirmed, the process proceeds to step S54. If it is No, i.e., if not determined, the process proceeds to step S53. Transition. This determination can be made automatically by checking whether or not an email about an indication of correction from the borrower has been returned by the arrival of the above-mentioned date.
[0140]
In step S53, the CPU 11 controls the display unit 14 to display a screen for correcting the borrower declaration data, and based on an input signal from the operation input unit 13 operated by a system administrator or the like, Processes such as correction of borrower declaration data and creation of new emails. And CPU11 will return to step S51, and will repeat the process of step S51-step S52-step S53 mentioned above until it determines with Yes by step S52, if each process regarding correction of borrower declaration data is completed.
[0141]
In step S <b> 54, the CPU 11 determines the current borrower declaration data and registers it in the contract object information database 123.
[0142]
Next, processing performed by the lease management apparatus 10 after the borrower leaves will be described mainly with reference to the flowchart of FIG.
[0143]
The following processing is based on the assumption that the lender makes an assessment for restoration of the original condition and requests to the repair company. However, the third party performs the assessment and the request to the repair company. It is possible to cope with the same process even if
[0144]
In step S61, the CPU 11 of the lease management apparatus 10 refers to the “cancellation date” field of the contract object information database 123 to determine whether or not the move of the borrower has been completed. The process proceeds to S62.
[0145]
CPU11 transfers to step S63, after performing the process for transmitting the repair claim sheet | seat with respect to a lender side (lender or repair trader) by step S62.
[0146]
In the present embodiment, as the processing of step S62, a repair item (repair location), a repair range (whole or partial) as shown in FIG. 25, for example, addressed to the e-mail address (see FIG. 8) of the repair shop designated by the lender. ), Repair contents, costs for individual repair items, and the extent of the borrower's negligence (the lender's judgment) made by the lender for each repair location, etc. Perform the process. Here, in the “Lender judgment” column, one of 1 (aging deterioration) to 5 (intentional) can be selected in a pull-down format.
[0147]
FIG. 25 shows a state in which the repair contractor has entered the estimated contents of the repair, and these input data are transmitted to the lease management apparatus 10 as repair request data and registered in the repair information database 124 ( (See FIG. 7).
[0148]
For example, if the repairer (or lender) does not have an e-mail address, a printer (not shown) is controlled to print the address of the repairer (or lender) and the contents of the repair request sheet on the envelope and standard paper. You may perform the process to do.
[0149]
In step S63, the CPU 11 receives the reception signal of the transmission / reception unit 15 (when the repair request sheet is returned) and the input signal from the operation input unit 13 (repair request sheet (paper)), and is manually input by the system administrator. If the data is received (Yes in step S63), the process proceeds to step S64.
[0150]
In step S 64, the CPU 11 determines the borrower declaration data (difference value data) registered in the “determined borrower declaration original restoration” column of the contract object information database 123 in step S 54 and the house registered in the property database 121. The property data, the material unit price data registered in the material master file 127 (FIG. 10), and the repair request data are compared, and the confirmation items to be confirmed by the lender are extracted and temporarily stored in the internal memory of the CPU 11 or the like. Later, the process proceeds to step S65.
[0151]
In other words, regarding the assessments made by the lender and requests for repairs to repair companies, not only repairs for restoration of the original state, but also for the purpose of recruiting the next resident (exceeding the scope of restoration of the original state) ) Since repairs for renovation may be included, repair items and repair costs that do not correspond to repairs for restoration of the original state can be extracted by performing the process of step S64, and the extracted items and costs It becomes possible to confirm with the lender.
[0152]
In subsequent step S65, the CPU 11 compares the above-mentioned borrower declaration data (difference value data) with the repair request data, and extracts the difference between the borrower and the lender regarding the repair items and the degree of repair, and then in step S66. Migrate to
[0153]
In step S66, the CPU 11 outputs the borrower declaration / lender request comparison table including the borrower declaration data (difference value data) and the data extracted in steps S64 and S65, and then proceeds to step S67. FIG. 26 shows a state in which the tenant declaration / lender request comparison table is output on the display unit 14 of the lease management apparatus 10. Here, the third party organization performs a unit price check for each repair member based on the output of the borrower declaration / lender request comparison table, the registered contents of the assessment standard master file 126, and the like.
[0154]
In step S67, the CPU 11 monitors the input signal of the operation input unit 13 operated by the system administrator to determine whether or not to correct (that is, confirm) each of the values related to the restoration of the house. If YES, i.e., if it is determined to be confirmed, the process proceeds to step S68. If NO, i.e., if it is determined that the correction based on the unit price check described above is performed, the process proceeds to step S69.
[0155]
In step S69, the CPU 11 displays an input screen for correcting each value relating to the original restoration, and corrects the original restoration cost of any repair item by operating the operation input unit 13 to the system administrator or the like. If the input of the value is prompted and it is finally determined that the correction is not made (determined) (Yes in step S67), the process proceeds to step S68.
[0156]
FIG. 27 shows an example of the correction value input screen displayed in step S69. FIG. 27 shows a state where a correction value based on the unit price check described above is input in the “determined original state restoration cost” column. Further, the “determined frequency” column in FIG. 27 is for determining the degree to which the third-party organization should bear for this correction value. The system administrator or the like operates the operation input unit 13 to When the frequency is changed, the percentage in the “Compensation burden ratio” column is changed based on the registration information of the assessment reference master file 126 (FIG. 9). At this time, for each repair item, the CPU 11 multiplies the “determined restoration cost” amount by the “compensation burden ratio” percentage and displays the value in the “compensation burden amount” column. To control.
[0157]
Then, the third-party organization discusses and negotiates with the lender appropriately on the “compensation burden” displayed on the correction value input screen of FIG. 27, and when this agreement is finally reached, The operation input unit 13 is operated so as to determine the input value on the input screen.
[0158]
In step S68, the CPU 11 confirms each input value in FIG. 27, that is, the contents of each repair item relating to the original restoration, and sets the determined input value in the “confirmed original restoration item / cost” in the contract object information database 123. ”Column,“ Fixed original restoration frequency (compensation burden) ”column,“ Final original restoration cost (compensation amount) ”column (see FIG. 6), and“ Final lender declaration original restoration amount ”column of the repair information database 124 (Fig. 7), and the process proceeds to step S70.
[0159]
In step S <b> 70, the CPU 11 calculates the total amount of the original restoration cost (that is, the compensation amount to be paid to the lender) by adding the cost of each fixed repair item, and calculates the calculated value as “payment compensation” in the compensation information file 128. It is added to each value in the column “Total amount of payment (year)” and “Total amount of payment compensation (cumulative)”.
[0160]
In subsequent step S71, the CPU 11 performs a calculation for updating the execution compensation fee rate, and updates and registers the values in the compensation fee rate columns of the borrower database 120 and the property database 121 and the respective columns of the compensation information file 128.
[0161]
Next, the details of the subroutine of step S71, that is, the execution compensation fee update registration process will be described with reference to the flowchart of FIG.
[0162]
In step S711, the CPU 11 of the lease management apparatus 10 determines the final restoration amount (that is, the compensation amount paid to the lender from the third party organization) for the case, and the number of compensation receipts (that is, the borrower to the third party organization). The theoretical compensation fee (amount) per year is calculated by dividing by the number of times the compensation fee has been paid), and the process proceeds to step S712. Here, the number of times the borrower receives compensation can be obtained from the registration information in the “contract start date” column and the registration information in the “cancellation date” column of the contract object information database 123, and the registration example of FIG. Then it will be 5 times.
[0163]
As an example of calculation in step S711, for example, when the original restoration amount is 150,000 yen and the compensation is received five times, the theoretical compensation fee (amount) per year is 30,000 yen.
[0164]
In step S712, the CPU 11 divides the theoretical compensation fee (amount) per year calculated in the previous step by the monthly rent (amount) of the property registered in the “Monthly rent” column of the contract object information database 123. Thus, the theoretical compensation fee rate is calculated, and the process proceeds to step S713.
[0165]
Here, for example, in the above example, when the monthly rent is 100,000 yen, 30% is calculated as the theoretical compensation fee rate.
[0166]
In subsequent step S713, the CPU 11 refers to the contract object information database 123 and the borrower database 120 for the borrower of the case, and determines whether or not there has been a record of using the deposit replacement service in the past. If there is, the process proceeds to step S715, and if No, that is, there is no record, the process proceeds to step S714.
[0167]
More specifically, in step S713, the CPU 11 determines “use of deposit substitute service” in the borrower database 120 corresponding to the contract name ID (corporate ID or personal ID) registered in the “contract name code” column of the contract object information database 123. It is determined whether or not the value in the “number of times” column is 2 or more. If the value is 2 or more, the process proceeds to step S715. If the value is 1, the process proceeds to step S714.
[0168]
In step S714, the CPU 11 uses the theoretical compensation fee rate calculated in step S712 as the next execution compensation fee rate, and compensates the borrower database 120 corresponding to the personal ID registered in the “resident code” column of the contract object information database 123. The HDD 12 is controlled to newly register in the rate column (execution compensation rate column), and the process proceeds to step S718.
[0169]
On the other hand, in step S715, the CPU 11 performs an operation of accumulating the theoretical compensation fee rate calculated in step S712 to each past theoretical compensation fee rate of the borrower individual, and the calculated value (rate) is used as the next execution compensation fee rate. As a result, the HDD 12 is controlled so as to be updated and registered in the compensation fee rate column (execution compensation fee rate column) of the borrower database 120 corresponding to the personal ID registered in the “resident code” column of the contract object information database 123.
[0170]
Specifically, in step S715, the CPU 11 generates a new theoretical compensation rate column after each theoretical compensation rate column (see FIG. 3) in the compensation rate column of the borrower database 120. The theoretical compensation fee rate calculated in S712 is registered, and all the registered values of each theoretical compensation fee rate are added and divided by the number of registrations to obtain an average value of each theoretical compensation fee rate. A process of registering as the next execution value in the “execution compensation fee rate” column is performed, and the process proceeds to step S716.
[0171]
In step S716, the CPU 11 determines whether the contract name of the matter is a corporation by checking whether the contract name ID referred to in step S713 is a corporate ID or a personal ID. The process proceeds to step S717, and in the case of No, that is, the personal name, the process proceeds to step S718.
[0172]
In step S717, the CPU 11 performs an operation of accumulating the theoretical compensation fee rate calculated in step S712 to each past theoretical compensation fee rate of the corporation, and uses the calculated value (rate) as the next execution compensation fee rate. The HDD 12 is controlled so as to be updated and registered in the compensation fee rate column (execution compensation fee rate column) of the borrower database 120 corresponding to the corporate ID registered in the “resident code” column of the target information database 123, and the process proceeds to step S718. .
[0173]
Note that the details of the process in step S717 are the same as those in step S715 described above, and thus are omitted.
[0174]
In step S718, the CPU 11 performs an operation of cumulatively adding the theoretical compensation fee rate calculated in step S712 to each theoretical past compensation fee rate of each individual for all contract termination cases including the case, and proceeds to step S719. To do.
[0175]
Specifically, in this step S718, by adding all the registered values in each theoretical compensation rate column (see FIG. 3) of all the borrowers in the personal information of the borrower database 120, the added value is divided by the number of registrations. The average value of the overall theoretical compensation rate is calculated.
[0176]
In step S719, the CPU 11 updates and registers the HDD 12 so that the average value of the theoretical compensation rate calculated in the previous step is updated and registered in the “execution compensation rate (overall)” column of the compensation information file 128 as the next execution compensation rate. Control.
[0177]
More specifically, in this step S719, the CPU 11 stores “total amount of compensation received (year)”, “total amount of compensation received (cumulative)”, “total amount of payment compensation fee (year)”, “payment compensation” in the compensation information file 128. Add each value (ie compensation fee and compensation amount) for the current project to each column of “Total amount (cumulative)”, and “Number of received compensation fee (years)” and “Number of received compensation fee” The HDD 12 is controlled to add 1 to the value in each column of “(cumulative)”, and the process ends.
[0178]
According to this system that performs the above-mentioned processing, a reasonable value for the compensation fee is calculated for each borrower who uses the deposit substitution service, and can be presented to the borrower. It becomes possible to promote.
[0179]
In the above-described embodiment, the lease management apparatus 10 functions as a server by the deposit substitution service support program of the present invention, and the lease management apparatus 10 and the borrower-side terminal 20 perform data communication via the communication network 100. However, in this system, the processing can be completed only by the lease management apparatus 10 without using the borrower side terminal 20, and in this case, the HDD 12 of the lease management apparatus 10 can be connected to the HDD 12 via the communication network 100. Each data to be recorded may be input by operating the operation input unit 13 as appropriate by a system administrator or the like.
[0180]
In the above-described embodiment, an example in which a system capable of selecting a conventional contract and use of a deposit substitute service has been described. However, it is a matter of course that the system can be used only for use of a deposit substitute service. The processing routine and database structure become simpler.
[0181]
Furthermore, in the above-described embodiment, in the case of a borrower who uses the deposit substitution service for the first time, the registered value in the “execution compensation rate (overall)” column of the compensation information file 128 is presented to the borrower as the execution value. However, for a borrower who uses the deposit replacement service for the first time, for example, a predetermined fixed value may be applied.
[0182]
【The invention's effect】
As described above, according to the present invention, it is possible to support and promote the deposit substitution service, and calculate the value of the appropriate compensation fee for each borrower who uses the deposit substitution service. It is possible to provide a deposit substitution service support apparatus, a deposit substitution service support method, and a deposit substitution service support program that can be presented.
[Brief description of the drawings]
FIG. 1 is a schematic block diagram for explaining an overall outline of a deposit substitution service support system to which the present invention is applied.
FIG. 2 is a block diagram for explaining a hardware configuration of a lease management apparatus in the security deposit substitution service support system.
FIG. 3 is a diagram illustrating an example of one individual borrower information registered in a borrower database.
FIG. 4 is a diagram illustrating property information of one leased property registered in a property database.
FIG. 5 is a diagram illustrating information on one lender registered in a lender database.
FIG. 6 is a diagram for explaining information on one leased property registered in a contract object information database (service use case database).
FIG. 7 is a diagram for explaining information on one leased property registered in a repair information database.
FIG. 8 is a diagram showing information on one repair company registered in a supplier database.
FIG. 9 is a diagram showing an example of reference information about a cost burden ratio registered in an assessment reference master file.
FIG. 10 is a diagram showing information on repair member names and unit prices registered in a member master file.
FIG. 11 is a diagram for describing information registered in a compensation information file.
FIG. 12 is a flowchart for explaining processing performed by the lease management apparatus during communication with the borrower side terminal;
FIG. 13 is a diagram of a login screen displayed on the display unit of the borrower side terminal.
FIG. 14 is a diagram of a menu screen displayed on the display unit of the borrower side terminal.
FIG. 15 is a flowchart showing details of a subroutine of step S19, that is, details of search screen data transmission processing performed by the lease management apparatus during communication with the borrower side terminal.
FIG. 16 is a diagram showing a screen for selecting whether or not to use the deposit replacement service displayed on the display unit of the borrower side terminal, and a search condition input screen for narrowing down the search condition of the rental house Show.
FIG. 17 is a diagram illustrating an example of a compensation fee rate and a compensation fee amount displayed on a display unit of a borrower-side terminal.
FIG. 18 is a flowchart showing processing performed by the lease management apparatus before and after moving in;
FIG. 19 is a diagram showing an example of a display screen of a check-in screen displayed on the display unit of the borrower-side terminal.
FIG. 20 is a diagram illustrating an example of a dunning mail transmitted from the lease management apparatus to the borrower side terminal when the occupancy check sheet is not submitted.
FIG. 21 is a flowchart for explaining processing performed by the lease management apparatus before and after the end of the contract period.
FIG. 22 is a diagram illustrating an example of a display screen of a check-out screen displayed on the display unit of the borrower-side terminal.
FIG. 23 is a diagram showing an example of a display screen of borrower declaration data displayed on the display unit of the borrower side terminal;
FIG. 24 is a flowchart showing processing performed by the lease management apparatus after the borrower leaves.
FIG. 25 is a diagram showing an example of a repair request sheet, showing a state in which a repairer has input the content about a repair estimate.
FIG. 26 is a diagram showing an example of a borrower declaration / lender request comparison table displayed on the display unit of the lease management apparatus.
FIG. 27 is a diagram showing an example of a correction value input screen displayed on the display unit of the lease management apparatus.
FIG. 28 is a flowchart showing details of an execution compensation fee rate update registration process, and shows a subroutine of step S71.
[Explanation of symbols]
10 Lease management device (Deposits substitute service support device)
20 (20A, 20B, 20C, ..., 20n) Borrower side terminal
100 communication network
11 CPU
12 HDD (storage media)
120 Borrower database
121 Property Database
122 Lender database
123 Contract Information Database
124 repair information database
125 supplier database
126 Assessment standard master file
127 Material master file
128 Compensation information file
13 Operation input section
14 Display section
15 Transceiver (communication means)

Claims (16)

Instead of depositing the deposit to the lender when the tenant moves into the rental house, the compensation fee is paid to the third party, and at the end of the lease, the third party gives the lender a predetermined range. A device for supporting a deposit replacement service that pays repair costs as a compensation for restoration,
Borrower information database in which various data including borrower identification information about the borrower is registered as borrower information;
A property information database in which various data including the rent amount for rental houses is registered as property information,
Calculating a value for the charge compensation fee, and registering the calculated value in a storage medium as a charge compensation fee execution value;
Along with the conclusion of the lease contract, the contract object information registration means for registering the corresponding borrower information, property information, and the execution compensation charge execution value in the storage medium in association with each other,
A repair information input means for entering repair information on the repair of a house upon moving out based on the lease contract termination;
Compensation amount determination means for determining the amount of compensation paid to the lender based on the repair information entered;
Compensation information registration means for registering the compensation amount paid to the lender and the withdrawal compensation fee paid by the borrower in the storage medium in association with the borrower identification information,
The deposit compensation fee calculation registration unit updates the deposit compensation fee execution value based on the information registered by the compensation information registration unit, and registers it in the storage medium. . The storage medium is provided with a plurality of types of execution value registration fields in which the charge compensation fee execution value is registered,
The deposit replacement service support according to claim 1, wherein the charge compensation fee calculation registration means updates and registers the value of at least one of the execution value registration fields when the charge compensation fee execution value is updated. apparatus. In the execution value registration column, the individual average value registration column for registering the average execution value for each individual related to the case where the property used for the deposit substitution service is contracted in the individual name, and the property used for the deposit substitution service are contracted in the corporate name Corporate average value registration field for registering the average execution value for each corporation related to the matter,
3. The security deposit substitute service support apparatus according to claim 2, wherein the charge compensation fee calculation registration means updates and registers at least the value of the individual average value registration field when the charge compensation fee execution value is updated. The reimbursement compensation calculation registration means determines whether the contract name of the property used for the deposit replacement service is a corporation or an individual when updating the execution compensation fee execution value. 4. The deposit replacement service support apparatus according to claim 3, wherein the average value registration column is updated and registered. The execution value registration field further includes an overall average value registration field for registering an overall average value of execution values related to the properties used for all deposit replacement services,
5. The deposit substitute service support apparatus according to claim 4, wherein the charge compensation fee calculation registration means updates and registers the value of the overall average value registration field when the charge compensation fee execution value is updated. In the execution value registration column, a theoretical compensation fee rate registration column for individually registering a theoretical compensation fee rate for each case where the borrower has used the deposit substitution service so far is provided,
The reimbursement compensation fee calculation / registration means calculates a theoretical compensation fee rate for the case when updating the retirement compensation fee execution value, and corresponds the calculated theoretical compensation fee rate value to the execution value registration field. 6. The value obtained by accumulating the theoretical compensation fee rate value in each of the attached theoretical compensation fee rate columns is registered in the execution value registration column as the next rounded compensation fee execution value. The deposit replacement service support device according to claim 1. In the borrower information database, as the borrower identification information, the identification information of the borrower individual and the identification information about the corporation to which the individual belongs are registered, and a storage for registering an execution value of the individual compensation fee An area, and a storage area for registering a running compensation charge execution value of the corporation,
The contract object information registration means registers, in the storage medium, whether the contract name is an individual or a corporation with the conclusion of a lease contract,
The reimbursement compensation fee calculation registration means determines the contract name of the property when updating the retirement compensation fee execution value, and if it is determined as the individual name, the borrower individual's retirement compensation fee execution value If it is determined that the name is a legal entity, both the update registration of the borrower individual's charge compensation fee execution value and the update registration of the borrower's charge compensation fee execution value are performed. The deposit substitute service support apparatus according to any one of claims 1 to 6. A communication means for transmitting and receiving data via the communication network with the borrower side terminal used by the borrower,
8. The communication unit according to any one of claims 1 to 7, wherein the communication means transmits the rounding compensation fee execution value registered in the storage medium to the borrower side terminal based on an access of the borrower side terminal. The deposit replacement service support device according to Item 1. Instead of depositing the deposit to the lender when the tenant moves into the rental house, the compensation fee is paid to the third party, and at the end of the lease, the third party gives the lender a predetermined range. In order to support a deposit replacement service that pays repair costs as restoration compensation,
Borrower information database in which various data including borrower identification information about the borrower is registered as borrower information,
Property information database in which various data including the rent amount for rental houses is registered as property information,
A charge compensation calculation calculation registration means for calculating a value for the charge compensation fee and registering the calculated value in a storage medium as a charge compensation fee execution value;
Contract object information registration means for registering the relevant borrower information, property information, and charge-off compensation execution value in the storage medium in association with the conclusion of the lease contract,
A repair information input means for entering repair information on the repair of a house upon moving out based on the end of the lease contract,
Compensation amount determination means for determining the amount of compensation paid to the lender based on the repair information entered;
The compensation amount registration means for registering the compensation amount paid to the lender and the withdrawal compensation fee paid by the borrower in the storage medium in association with the borrower identification information, and the withdrawal compensation fee calculation registration means Is a deposit substitute service support program that functions as a means for updating the charge compensation fee execution value and registering it in the storage medium based on the information registered by the compensation information registration means. The storage medium is provided with a plurality of types of execution value registration fields in which the charge compensation fee execution value is registered,
10. The security deposit substitute service according to claim 9, wherein said deposit compensation fee calculation registration means is made to function as a means for updating and registering at least one of the execution value registration fields when updating said discount compensation fee execution value. Support program. In the execution value registration field, the individual average value registration field for registering the average execution value for each individual related to the case where the property used for the deposit substitution service is contracted in the individual name, and the property used for the deposit substitution service are contracted in the corporate name Including a corporate average value registration field for registering an average execution value for each corporation related to the matter,
11. The deposit substitution service support program according to claim 10, wherein said deposit compensation fee calculation registration means functions as a means for updating and registering at least the value of the individual average value registration column when updating the discount compensation fee execution value. . When the reimbursement compensation calculation registration means determines whether the contract name of the property used for the deposit replacement service is a corporation or an individual at the time of updating the retirement compensation fee execution value, 12. The security deposit substitute service support program according to claim 11, which functions as a means for updating and registering the value in the average value registration field. The execution value registration field further includes an overall average value registration field for registering an overall average value of execution values related to the properties used for all deposit replacement services,
13. The security deposit substitute service support program according to claim 12, wherein the deposit compensation fee calculation registration means functions as a means for updating and registering the value of the overall average value registration field when the discount compensation fee execution value is updated. The execution value registration field is associated with a theoretical compensation fee rate registration field for individually registering the theoretical compensation fee rate for each case where the borrower has used the deposit substitution service so far,
The reimbursement compensation fee calculation / registration means calculates a theoretical compensation fee rate for the case when the retirement compensation fee execution value is updated, and the calculated theoretical compensation fee rate value corresponds to the execution value registration field. 14. The function according to claim 10, wherein the value obtained by accumulating the theoretical compensation fee rate value in each of the theoretical compensation fee rate registration fields attached is functioned as a stage to be registered in the execution value registration column as a next rounded compensation fee execution value. The deposit replacement service support program according to any one of the above. In the borrower information database, as the borrower identification information, a storage area for registering the borrower individual identification information and the identification information about the corporation to which the individual belongs and for registering the individual compensation compensation execution value And a storage area for registering the execution fee of the corporation's charge compensation fee,
The contract object information registration means functions as a means for registering in the storage medium whether the contract name is an individual or a corporation with the conclusion of a lease contract,
When the reimbursement compensation calculation calculation registration means determines the contract name of the property at the time of renewal of the retirement compensation fee execution value. In order to function as a means to both update registration of the borrower's individual compensation compensation execution value and update registration of the corporation's compensation compensation execution value, The deposit replacement service support program according to any one of claims 9 to 14. If you have communication means to send and receive data via the communication network with the borrower side terminal used by the borrower,
16. The method according to claim 9, wherein the communication means functions as means for transmitting the charge compensation fee execution value registered in the storage medium to the borrower side terminal based on access of the borrower side terminal. The deposit replacement service support program described in item 1.

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