JP2012103762A - Groundbreaking-through-transfer guarantee management system and program used therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a guarantee system that avoids risks of a constructor and a person to be guaranteed from groundbreaking until before transfer.SOLUTION: The guarantee management system includes a person to be guaranteed data recording part B1 which records name data, gender data, and birthday data on the person to be guaranteed; a constructor data recording part B2 which records name data and location data on the constructor; contract recording part B3 which records scheduled groundbreaking day data, scheduled transfer day data, and contract amount data determined in a building contract that the person to be guaranteed and contractor made; a warranty fee data generation part B4 which generates warranty fee data based upon the scheduled groundbreaking day data, scheduled transfer day data, and contract amount data; an insurance evaluation result data recording part B5 which records insurance evaluation result data on the person to be guaranteed; a warranty fee reception/non-reception data recording part B6 which records warranty fee reception/non-reception data; a warranty reason data recording part B7 which records warranty reason generation data on the person to be guaranteed; and a paid warranty fee data recording part B8 which records paid warranty fee data based upon the warranty reason generation data.

Description

  The present invention relates to a construction-delivery guarantee management system and a program used therefor.

  The housing is delivered to the client after the contractor and client have signed a contract and the contractor has completed it. Since housing is very expensive, it is common for many owners to conclude a mortgage loan with a financial institution for the amount equivalent to the home price, and have the financial institution pay the home price to the contractor. . As a publicly known document related to mortgage examination, judgment, and management, for example, there is a description in Patent Document 1 below.

Japanese Patent No. 4475999

  However, since mortgage lending starts when the house is delivered, the mortgage does not extend from the start of construction to the period before delivery. Therefore, if there is any inconvenience for the owner (hereinafter referred to as “guarantee”) within this period, and the situation where the mortgage loan is not executed, the guaranteed party has the amount to be paid. If not, the contractor will not be able to recover the cost of building construction and receive compensation. At present, no response has been made to this point, and further, information management and management thereof, such as data management between guaranteed persons, contractors, and guarantee companies, and creation of guarantee fee data, have not been studied.

  As described above, an object of the present invention is to provide a security management program for solving the above-described problems and realizing a warranty management system capable of avoiding the risks of contractors and guaranteed persons from the start of construction to delivery.

  The start-to-delivery guarantee management system according to the first aspect for solving the above-mentioned problem is a guaranteeee data recording unit for recording a guaranteeee's name data, gender data, and date of birth data, and a trader's name. A contractor data recording unit for recording data and location data, a contract data recording unit for recording planned start date data, planned delivery date data, contract amount data determined by a construction contract signed by the guaranteed person and the contractor, Guarantee fee data creation unit that creates guarantee fee data based on scheduled delivery date data and contract amount data, insurance assessment result data recording unit that records the insurance assessment result data of the insured person, and records guarantee fee storage presence / absence data Guarantee charge storage presence / absence data recording part, guarantee reason occurrence data recording part for recording guarantee cause occurrence data of guaranteed person, and payment deposit data recording part for recording payment deposit data It has a.

  In addition, the start-to-delivery guarantee management program according to the second aspect of the present invention causes a computer to record name data, gender data, and date of birth data of the insured person, name data of the contractor, and location Record the data and record the planned start date data, planned delivery date data, and contract amount data specified in the construction contract signed by the guaranteed party and the contractor, and based on the planned start date, delivery date data, and contract amount data Create guarantee fee data, record the insurance assessment result data of the insured person, record the guarantee fee storage presence / absence data, record the guarantee reason occurrence data of the insured person, and record payment deposit data based on the guarantee reason occurrence data Let me record.

  As described above, the present invention is an insurance management program for realizing a guarantee system that avoids risks of contractors and guaranteed persons from construction to delivery.

It is a figure which shows the outline of this whole system. It is a figure which shows the functional block of the information processing terminal of a guarantee company. It is a figure which shows the functional block of the information processing terminal of a trader. It is a figure which shows the functional block of the information processing terminal of an insurance company. It is a figure which shows the example of the flow of a process of this system.

  Embodiments of the present invention will be described below with reference to the drawings. However, the present invention can be implemented in many different modes and is not limited to the embodiments shown below.

(Embodiment 1)
FIG. 1 is a schematic diagram of a construction-delivery guarantee management system (hereinafter referred to as “the present system”) S according to the present embodiment. This system S is configured to include a trader A, a guarantee company B, an insurance company C, a guaranteed person D, and information processing devices owned by each. These information processing apparatuses are connected via a network. In the present embodiment, it is assumed that the contractor A has signed a contract with the owner (guarantee D) for the housing and the contractor A performs various data processing related to the guaranteed person. To do.

  In the construction-delivery guarantee management system according to the present embodiment, the information processing apparatus of the guarantee company B (1) guaranteeee data record for recording the guaranteeee's name data, gender data, and date of birth data Part B1, (2) Contractor data recording part B2 for recording contractor name data and location data, and (3) Scheduled start date data and planned delivery date determined by the construction contract signed by the guaranteed party and the contractor Contract data recording unit B3 for recording data and contract amount data, and (4) based on the name data, gender data, date of birth data, planned start date data, planned delivery date data, and contract amount data of the guaranteed person Guarantee fee data creation unit B4 for creating guarantee fee data, (5) Insurance assessment result data recording unit B5 for recording the insurance assessment result data of the insured person, and (6) Guarantee fee storage data A guarantee fee storage presence / absence data recording unit B6, (7) a guarantee event occurrence data recording unit B7 for recording guarantee event occurrence data of the guaranteed person, and (8) a payment deposit data recording unit B8 for recording payment deposit data. Have. The system further includes (9) a change data recording unit B9 for recording change start date data and change delivery date data. FIG. 2 is a diagram showing functional blocks of the information processing apparatus of the guarantee company B in this system.

  On the other hand, in the start-to-delivery guarantee management system according to this embodiment, the information processing apparatus of the trader A records (1) name data, gender data, and date of birth data of the guaranteed person. And (2) a contract data recording unit A2 that records planned start date data, planned delivery date data, and contract amount data determined by a construction contract signed by the guaranteed party and the contractor. (3) Insurance assessment result data recording unit A3 for recording the insurance assessment result data of the insured person, (4) Guarantee fee paid data recording unit A4 for recording the guarantee fee paid data, and (5) Warranty A receipt data recording unit A5 for recording the receipt data relating to the money received from the person, and (6) a guarantee reason occurrence data recording unit A6 for recording the guarantee cause occurrence data of the guaranteed person. ing. In addition, in this embodiment, when there is a change in the planned start date data and the planned delivery date data, there is a change data recording unit A7 that corrects the data. FIG. 3 is a diagram showing functional blocks of the information processing terminal of the trader A in this system.

  In the construction-delivery guarantee management system according to this embodiment, the information processing apparatus of insurance company C records (1) name data, gender data, and date of birth data of the insured person. Guarantee data recording unit C1, (2) Name data and location data of trader A, trader guarantee company data recording unit C2 for recording name data and location data of guarantee company B, and (3) Guarantee Contract data recording unit C3 for recording planned start date data, planned delivery date data, and contract amount data determined by a construction contract signed by a contractor and (4) insurance for recording insurance result data of the insured person Assessment result data recording unit C4, (5) Insurance premium storage presence / absence data recording unit C5 for recording premium storage presence / absence data, and (6) Warranty event occurrence data for recording guarantee event occurrence data of the insured person Having a recording unit C6, a payment deposit data creation unit C7 to calculate the (7) Payment deposit data. The system further includes (8) a change data recording unit C8 for recording change start date data and change delivery date data. FIG. 4 is a diagram showing functional blocks of the information processing apparatus of the guarantee company B in this system.

  In this embodiment, each part in the information processing apparatus of the trader A, the guarantee company B, and the insurance company C is not limited as long as the above processing can be performed, and various forms can be adopted. It is convenient and preferable to store the program on the hard disk and to execute the program so as to function as the above-described units.

  Here, the specific contents of the system S will be specifically described using the following processing procedure. FIG. 5 is a flowchart illustrating an example of this procedure.

  First, the owner D applies to the contractor A for a request for housing construction, while the contractor A accepts the request and concludes a construction contract. At this time, the owner D makes an application for a mortgage to a financial institution such as a bank as necessary, and if the application is approved, the mortgage is executed when the house is completed and delivered.

  On the other hand, at the same time as the conclusion of the contract, the owner D and the contractor A agree on a guarantee between the start of construction and delivery. Specifically, the owner D agrees with the trader A to request a guarantee from the guarantee company for the contract amount. Note that the start-to-delivery guarantee management system according to the present embodiment is management related to guarantee from start to delivery, and the amount requested to the contractor A (the contracted amount of the contractor A) is a claim for the client D. As a result, it is guaranteed that it is independent from the execution of the above mortgage.

  After the contract, the operator records the name data, gender data, and date of birth data of the owner (hereinafter referred to as “guarantee”) in the guaranteed data recording unit A1 of the information processing apparatus of the trader A. Is done. Here, “name data” refers to data relating to the name of the owner, that is, the guaranteed person, and “gender data” refers to data relating to the sex of the guaranteed person, specifically, whether the person is a man or a woman. “Birth date data” refers to data relating to the year, month, and day when the guaranteed person was born. Each data is transmitted to the information processing apparatus of the guarantee company B through the network.

  When the information processing device of the guarantee company B receives the name data, gender data, and date of birth data of the guaranteeee from the information processing device of the trader A, the information is stored in the guaranteeee data recording unit B1. Record.

  At the same time or before or after the input, the name data and the location data of the trader are recorded in the trader data recording unit B2 of the information processing apparatus of the guarantee company B. As a result, the guarantee company B can specify the trader A and the guaranteeee D in association with each other. Here, the “name data” of the trader refers to data including the name of the trader, and the “location data” refers to data relating to the location of the trader.

  Next, in the contract data recording unit B3 of the information processing apparatus of the guarantee company B according to the present embodiment, the planned start date data, the planned delivery date data, and the contract amount determined in the construction contract signed by the guaranteed party and the contractor Data is recorded. “Scheduled start date data” is data on the date when the contractor actually starts construction, and “Schedule delivery date data” is data on the date when the contractor will complete the house and deliver it to the guaranteed person. Say. As will be described later, the warranty period is from the start date to the delivery date.

  Next, the guarantee fee data creation unit B4 of the information processing apparatus of the guarantee company B according to the present embodiment includes the name data, gender data, date of birth data, scheduled start date data, scheduled delivery date data, and contract amount data of the insured person Create guarantee fee data based on "Guarantee fee" is to guarantee that the guarantee company will pay the guarantor the insufficient amount of money in the event that the guarantor is unable to pay the contractor the amount equivalent to the contract amount. In addition, it means a fee paid by the guaranteed party to the guarantee company, and “guarantee fee data” means data for this amount.

  The guarantee fee data can be calculated by various methods, for example, by the following method. First, the guarantee fee data creation unit B4 calculates deposit data. “Guarantee” refers to the amount to be paid to the guarantor or his / her heir in the event of a guarantee event that hinders the payment of money, such as the death of the insured person as described above. If the contract amount is the deposit as it is, the contract amount data can be used as the deposit data as it is, but if the insured has already paid a part of the deposit, such as a down payment to the contractor at the time of contract, or a lump sum at the start of construction In the case of paying a part of the money, the security deposit data can be obtained by subtracting the above amount from the contract amount, that is, subtracting the already paid amount data that has already been paid or surely paid from the contract amount data. . The paid data is preferably used as one of data recorded by the contract data recording unit A2 in the information processing apparatus of the trader A and the contract data recording unit B3 in the information processing apparatus of the guarantee company B.

  Next, the difference between the planned start date data and the planned delivery date data is taken to create the construction date data.

  Next, the guarantee fee data creation unit B4 calculates the guarantee fee by adding the basic fee to the amount obtained by multiplying the construction days, the basic fee rate, and the deposit. That is, the construction fee data is generated by multiplying the construction day data, the security deposit data, and the basic fee rate data, and further adding the basic fee data. Here, “basic charge data” is data related to the so-called basic charge that is included in the guarantee fee regardless of the fluctuating values such as the construction days, etc., and “basic charge rate data” is used to calculate the guarantee fee. Coefficient data, which may be a constant or a variable. In the case of variables, for example, the basic rate can be determined by the insured's age data, gender data, etc., so there is an advantage that it can be calculated in detail, and in the case of constants, complicated conditions are required It is excellent in that the guarantee fee data can be easily determined without any trouble. In the case of variables, a data table including conditions such as age and sex may be used separately, or a calculation formula using age and sex as variables may be created. In addition, when calculating | requiring age data of an insured person, it is preferable to obtain | require the difference with present date data (data at the time of processing) on the basis of birth date data.

  In parallel with the calculation of the guarantee fee, the information processing apparatus of the guarantee company B requests the insurance company C to reinsurance. In this case, the information processing apparatus of insurance company B sends reinsurance request data including information for requesting reinsurance to the information apparatus of insurance company C via the network. The reinsurance request data includes the insured person's name data, gender data, date of birth data, vendor name data, location data, planned start date data, planned delivery date data, and contract amount data.

  Next, when the information processing apparatus of the insurance company C receives the reinsurance request data, the insured person's name data, gender data, and The date of birth data is recorded, and the name data and location data of the trader and the name data and location data of the guarantee company are recorded in the trader guarantee company data recording unit C2. The contract data recording unit C3 records the planned start date data, the planned delivery date data, and the contract amount data of the contract.

  Thereafter, the information processing device of insurance company C performs an assessment process, determines whether or not to obtain reinsurance for the insured person received through guarantee company B, creates insurance assessment result data, and creates insurance assessment result data. Record in the recording unit. This insurance assessment result data includes information on whether or not to receive reinsurance. Specifically, the assessment acceptance data when accepting reinsurance, and the assessment disapproval data when not accepting reinsurance. And is sent to the information processing apparatus of the guarantee company B via the network. The information processing apparatus of insurance company C may be provided with an insurance premium data generation unit for separately calculating insurance premiums when accepting reinsurance, and may be included in the insurance assessment result data. This insurance premium data generation unit can perform the same processing as the guarantee fee data creation unit of the information processing apparatus of the guarantee company B. However, since this calculation method can be performed by calculation unique to insurance company C, the amount of money is generally different even if the processing is the same.

  When the information processing apparatus of the guarantee company B receives the insurance assessment result data, it records the insurance assessment result data in the insurance assessment result data recording unit B5.

  Next, after the insurance assessment result data is recorded, the information processing device of the guarantee company B, when the insurance assessment result data from the insurance company C is assessment acceptance data, A warranty fee is charged together with the notification of warranty acceptance. Further, when the insurance assessment result data is non-consent to the assessment, a notification that the guarantee is not accepted is sent to the trader A.

  When the trader A receives a guarantee consent, the trader A transfers the guarantee fee charged by the guarantee company B. If you receive a notification of disapproval of warranty, you will not be able to receive compensation, so you can terminate the management by this warranty system. The guarantee fee may be transferred directly by the guarantee D, but may be borne by the trader A. In addition, after paying the guarantee fee, the trader A records the data indicating that the guarantee fee has been paid, that is, the guarantee fee paid data, in the guarantee fee paid data recording unit A4 of the information processing apparatus.

  Next, the guarantee company B, after confirming the transfer of the guarantee fee from the supplier A, records the guarantee fee storage presence / absence data in the guarantee fee storage presence / absence data recording unit B6. Specifically, the guarantee fee storage data is recorded when the guarantee fee is paid within a predetermined period, and the guarantee fee non-payment data is recorded when the guarantee fee is not paid within the period. If the guarantee fee is stored, the guarantee company B can manage the guarantee based on this data. If there is no payment within a predetermined period and there is no further period, warranty management can be terminated.

  If the guarantee company B receives or determines that the delivery has been completed without any problem after a predetermined period has passed, the guarantee company terminates the guarantee and ends the management. At this time, it is preferable to send the warranty management end data regarding the completion of the warranty to the trader A and the insurance company C.

  On the other hand, when a reason (guarantee reason) for which the contracted amount cannot be paid to the guaranteed party D occurs, the guaranteed party D or the contractor A sends the guarantee reason occurrence data to the information processing device of the guarantee company. Create and send. Then, the information processing apparatus of the guarantee company B records guarantee reason data in the guarantee reason data recording unit B7. As a result, the compensation payment process is started. The “guarantee event occurrence data” preferably includes, for example, information that the deposit has been required and information on the cause of the accident such as the death of the guaranteed person.

  When the guarantee reason occurrence data is input, the information processing apparatus of the guarantee company B sends the deposit payment request data to the information processing apparatus of the insurance company C via the network. The deposit payment request data is preferably performed by the guarantee event occurrence data recording unit, and includes guarantee event occurrence data.

  When the information processing apparatus of the insurance company C receives the deposit payment request data from the guarantee company B, the payment deposit data creation unit creates payment deposit data. “Payment deposit” refers to the deposit paid by insurance company C to insured person D, and may differ from the deposit at the beginning of the creation of the guarantee fee depending on, for example, the payment of additional money at the upper building .

  Although it is not limited, the payment guarantee payment is basically determined on the basis of the above-mentioned deposit data. From the start date of the house to the date of the reason for the guarantee, If there is a paid clerk, such as a clerk paid at the time of the upper wing, etc., this is deducted and created as payment deposit data. The insurance company C pays the guarantee deposit to the insured person and also pays a deposit to the information processing device of the guarantee company C, that is, deposit payment completion notification data, and deposit payment data relating to the deposit paid. Will be sent. The guaranteed person D (or his / her heir) pays the received guarantee money to the dealer A so that the dealer A can receive the contract amount.

  The payment deposit data recording unit B8 of the information processing apparatus of the guarantee company B that has received the deposit payment completion notification data and the payment deposit data records the payment deposit data processed based on the guarantee event occurrence data, Confirm that is completed, and terminate the management.

  Here, in this embodiment, there is no problem if the delivery date is the same as the scheduled delivery date and there is no particular change, but the start date and delivery date may be changed from the original schedule due to various circumstances. In this case, since a guarantee fee may be added, the information processing apparatus of the guarantee company B according to the present embodiment is provided with a change data recording unit B9.

  For example, when the information processing apparatus of the guarantee company B receives the changed delivery date data including the changed delivery date data from the information processing apparatus of the trader A, the changed delivery date data is sent to the changed data recording unit B9. Store.

  Then, the information processing device of the guarantee company B causes the guarantee fee data creation unit B4 to create it again, and after creating the guarantee fee data, in parallel with the calculation of the guarantee fee, Reinsurance request data including information for requesting reinsurance is sent to the information processing apparatus of company C. Thereafter, the above processing is repeated in the same manner, and the management processing according to the present embodiment continues until the delivery is completed. Thereby, there is an advantage that guarantee management can be performed flexibly even when a change occurs.

  As described above, according to the present embodiment, the insurance management program for realizing a guarantee system that avoids the risk of the contractor and the guaranteed person from the start of construction to delivery is provided.

  In this embodiment, an example in which a guarantee company and an insurance company exist separately is shown, but the guarantee company and the insurance company are integrated, and each part of the guarantee company and each part of the insurance company are integrated into one information processing. It is also possible to provide it in the apparatus. In this case, it is necessary to make appropriate adjustments such as deleting the overlapping processing units. Specifically, the information processing apparatus of the guarantee company B includes (1) a guaranteeee data recording unit for recording the name data, gender data, and date of birth of the guaranteeee, and (2) the name of the trader. Contractor data recording section for recording data and location data, and (3) Scheduled construction date data, planned delivery date data, and contract amount data specified in the construction contract signed by the guaranteed party and the contractor A recording unit; and (4) a guarantee fee data creation unit that creates guarantee fee data based on the name data, gender data, date of birth data, scheduled start date data, scheduled delivery date data, and contract amount data of the insured person; (5) an insurance assessment result data recording unit for recording the insurance assessment result data of the insured person, (6) a guarantee fee storage presence / absence data recording part for recording guarantee fee storage data, and (7) Warranty reasons occur It has a guaranteed event generating data recording unit for recording over data, and a payment deposit data creation unit that creates a payment deposit data (8). Even in this case, it is preferable to further include (9) a change data recording unit B9 for recording change start date data and change delivery date data.

  In this embodiment, the guarantee company B receives a guarantee request from a supplier and calculates a guarantee fee and requests a reinsurance from the insurance company. However, the guarantee fee is calculated from the insurance company. It may be calculated for the first time when approval is received based on the assessment result.

  Furthermore, in this embodiment, all are networked through the information processing apparatus, but not all procedures must be performed through the information processing apparatus, and it is completely denied that a part is performed manually or manually. Not to do.

  The present invention has industrial applicability as a construction-delivery guarantee management system and a construction-delivery guarantee management program used therefor.

Claims (2)

A guaranteed data recording unit for recording the name data, gender data, and date of birth of the guaranteed person,
A trader data recording unit for recording trader name data and location data;
A contract data recording unit for recording planned start date data, planned delivery date data, and contract amount data set in the construction contract signed by the guaranteed party and the contractor;
A guarantee fee data creating unit for creating guarantee fee data based on the scheduled start data of the guaranteed person, the scheduled delivery date data, and the contract amount data;
An insurance assessment result data recording unit for recording the insurance assessment result data of the insured person,
A guarantee fee storage presence / absence data recording unit for recording guarantee fee storage presence / absence data;
A guarantee event occurrence data recording unit for recording guarantee event occurrence data of the guaranteed person,
A start-to-delivery guarantee management system comprising a payment deposit data recording unit for recording payment deposit data. On the computer,
Record name data, gender data, and date of birth data of the guaranteed person,
Record vendor name data and location data,
Record the planned start date data, the planned delivery date data, and the contract amount data determined in the construction contract signed by the guaranteed party and the contractor,
Guarantee fee data is created based on the planned start data, the scheduled delivery date data and the contract amount data,
Record the insurance assessment result data of the insured person,
Record warranty storage data,
Record the warranty event occurrence data of the guaranteed person,
Start-to-delivery guarantee management program that records payment deposit data.