JP2017054172A - Settlement application processing system, settlement application processing method, and settlement application processing program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement application processing system capable of determining whether credit card settlement for payment of rent is available or not for each rental according to judgement of a creditor.SOLUTION: A settlement application processing terminal 2 refers to card settlement propriety information stored in property information DB3 for storing settlement propriety information representing whether credit card settlement is available when rent of rental is settled for each object identification information for identifying rental, judges whether a rental to be the object of lease contract is a rental capable of using credit card settlement, and performs processing to receive credit card settlement application when the rental is determined to be capable of using credit card settlement by the judgement.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a payment application processing system, a payment application processing method, and a payment application processing program.

  In Patent Document 1 below, the rental agent broker posts the rental property information on the homepage, and the user operates the PC terminal to search and browse the rental property information and input the information necessary for the lease contract. A system for establishing a lease contract is disclosed. In this system, a user who is a borrower of a rental property can use a credit card settlement when paying a commission for establishing a contract to an intermediary.

JP 2001-256298 A

  By the way, when the credit card settlement is performed by the system described in Patent Document 1, the commission and points generated by the credit card settlement are borne by the broker not the lender of the rental property. Therefore, there is no particular disadvantage for the lender even if credit card payment is used when paying the commission for establishing the contract. On the other hand, if credit card settlement is used to pay for the rent of rental properties, the rent will be the monthly income of the lender, so monthly fees will be deducted from such rent income. As a result, the burden on the lender increases. Therefore, the fact is that the lender does not want to accept credit card settlement for rent payment as much as possible.

  On the other hand, if the vacancy rate of rental properties increases, the profitability of the lender decreases, so the lender can also accept credit card payment for rent payments for rental properties with a high vacancy rate. Become one. Therefore, if it is possible to determine whether or not credit card settlement can be used for each rental property based on the judgment of the lender, management of the rental property can be promoted more strategically, and the rate of return on rent can be increased.

  However, in the system described in Patent Document 1, the borrower can select credit card payment as a payment method. In other words, all rental properties are allowed to use credit card payments uniformly. In other words, in the system described in Patent Literature 1, it is not possible to determine whether or not the credit card settlement can be used for each rental property based on the judgment of the lender.

  The present invention has been made in order to solve the above-described problems. A settlement application processing system and a settlement application process that can determine whether or not credit card settlement can be used for rent payment for each rental property based on the judgment of the lender. It is an object to provide a method and a settlement application processing program.

  The settlement application processing system according to one aspect of the present invention stores, for each piece of property identification information for specifying a rental property, card settlement availability information indicating whether or not credit card payment can be used when paying the rent of the rental property. Determining means for determining whether or not a rental property subject to a lease contract is a rental property that can be used for credit card payment, with reference to the card settlement availability information stored by the storage means; A payment application processing means for executing a process of accepting a credit card payment application when the determination means determines that the rental property can be used for credit card payment.

  The payment application processing means may execute a process of accepting an application for transfer payment when the determination means determines that the property is not a rental property that can use credit card payment.

  It is good also as providing the point provision means which provides the point according to the payment amount of transfer payment after the process which receives the application of transfer payment is performed by the said payment application process means.

  The point granting unit may grant points according to the settlement amount of the credit card settlement after the process of accepting the application for the credit card settlement is executed by the settlement application processing unit.

  The rental property subject to the lease contract may be a rental property that the borrower has passed the examination on the ability to pay the rent.

  The storage means may further store property information related to rental properties for each property identification information.

  Display means for displaying on the screen a map in which the location of the rental property included in the other system property information managed by the other system is displayed, and the storage means is the map displayed on the screen. Of these, the other system property information mapped to the position selected and instructed by the user who registers the property information may be acquired from the other system and stored as property information related to the rental property.

  The storage means stores an available period in which credit card payment can be used in association with the card payment availability information, and the determination means stores the card payment availability information and the available period stored in the storage means. It is good also as determining whether the rental property which is the object of a lease contract is a rental property which can use credit card payment.

  The settlement application processing method according to one aspect of the present invention stores, for each piece of property identification information for specifying a rental property, card payment availability information indicating whether or not credit card payment can be used when paying the rent of the rental property. In the determination step of referring to the card settlement availability information stored by the storage device to determine whether or not the rental property subject to the lease contract is a rental property that can use credit card payment, and in the determination step, When it is determined that the property is a rental property that can use credit card payment, a payment application processing step of executing a process of accepting an application for credit card payment is executed.

  The settlement application processing program which is one aspect of the present invention is a card settlement permission / inhibition indicating whether or not the credit card settlement can be used when the rent of a rental property is settled for each property identification information specifying the rental property. Determining means for determining whether or not a rental property subject to a lease contract is a rental property that can be used for credit card payment, with reference to the card settlement availability information stored by a storage device that stores information; Thus, when it is determined that the property is a rental property that can use credit card payment, the application is made to function as a payment application processing means for executing processing for accepting an application for credit card payment.

  According to the present invention, the availability of credit card settlement for rent payment can be determined for each rental property based on the judgment of the lender.

It is a figure which illustrates the composition of the settlement application processing system in an embodiment. It is a figure which illustrates the structure of the payment application processing terminal shown in FIG. It is a flowchart which illustrates the process sequence of the payment application process performed with the payment application processing terminal shown in FIG.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, the same code | symbol is attached | subjected to the same element and the overlapping description is abbreviate | omitted.

  FIG. 1 is a schematic configuration diagram of a settlement application processing system according to an embodiment of the present invention. As shown in the figure, the settlement application processing system 1 in this embodiment includes, for example, a settlement application processing terminal 2, a property information database (hereinafter also referred to as “property information DB”) 3, and an applicant information database ( Hereinafter, it is also referred to as “applicant information DB”.) 4. The settlement application processing terminal 2, the property information DB 3 and the applicant information DB 4 are connected via the network N, respectively.

  The settlement application processing terminal 2 shown in FIG. 1 is configured by, for example, a computer that performs arithmetic processing, and realizes a terminal function by operating a predetermined terminal program on the computer.

  The network N includes a communication network that can transmit and receive information between the settlement application processing terminal 2 and the property information DB 3 and the applicant information DB 4. The network N may be, for example, the Internet, a LAN, a dedicated line, a telephone line, a corporate network, a mobile communication network, Bluetooth, WiFi (Wireless Fidelity), other communication lines, combinations thereof, It does not matter whether it is wired or wireless.

  As shown in FIG. 2, the payment application processing terminal 2 includes, for example, a processor 20, a communication interface 21, a storage resource 22, an input device 23, and a display device 24.

  The processor 20 includes an arithmetic and logic unit that processes arithmetic operations, logical operations, bit operations, and the like, and various registers, and executes various computer functions stored in the storage resource 22 to realize various functions to be described later. To do. The various registers are, for example, a program counter, a data register, an instruction register, a general-purpose register, and the like.

  The communication interface 21 is a hardware module for connecting to the network N and communicating with other terminals on the network N. The communication interface 21 is a modulation / demodulation device such as an ISDN modem, an ADSL modem, a cable modem, an optical modem, or a soft modem.

  The input device 23 provides an interface that accepts an input operation from a user. The input device 23 is, for example, a touch panel, a keyboard, a mouse, or the like. The display device 24 provides the user with an image display interface for various screens that supports the user's work. The display device 24 is, for example, a liquid crystal display, an organic EL display, a CRT display, or the like.

  The storage resource 22 is, for example, a logical device provided by a storage area of a physical device. The physical device is a computer-readable recording medium such as a disk drive or a semiconductor memory. The storage resource 22 may be constructed by mapping a plurality of physical devices to one logical device, or may be constructed by mapping one physical device to a plurality of logical devices. A computer program 220 is stored in the storage resource 22.

  In addition to the computer program 220, the storage resource 22 stores an operating system program, a driver program, various data, and the like used for processing of the settlement application processing terminal 2. Examples of the driver program include a communication interface driver program for controlling the communication interface 21, an input device driver program for controlling the input device 23, an output device driver program for controlling the display device 24, and the like.

  The computer program 220 is a program for performing a predetermined process, and includes a plurality of software modules that are appropriately called and executed during the operation of the main program of the payment application processing terminal 2. Each software module is a subprogram modularized to execute a specific process, and is created using, for example, a procedure, a subroutine, a method, a function, a data structure, and the like.

  The computer program 220 illustratively has a settlement application processing module 221. Hereinafter, functions realized by the settlement application processing module 221 will be described.

  The settlement application processing module 221 refers to the property information DB 3 and the applicant information DB 4 and executes a settlement application process described later.

  Here, the property information DB 3 shown in FIG. 1 stores property information related to rental properties for each property identification information that identifies a rental property. Rental properties can be managed in units of units and buildings. The property information includes, for example, the location of the rental property, nearest station, floor plan, floor area, building date, rent, security deposit / key money, management fee, brokerage fee, and the like.

  In this embodiment, card settlement availability information indicating whether or not credit card settlement can be used when settlement of rent of a rental property is further stored as property information. The content of the card settlement availability information is determined for each rental property in accordance with the intention of the lender. That is, the card settlement availability information determined by the lender is registered in the property information DB 3 in association with the property identification information. Note that the card settlement availability information does not necessarily need to be included in the property information, and may be stored in association with at least the property identification information.

  Registration of property information in the property information DB 3 is performed by a person in charge (user) who registers property information inputs property information corresponding to a rental property to be registered from a registration screen. The property information may be registered from the settlement application processing terminal 2 or may be registered from a registration terminal that registers property information. This registration terminal has the same hardware configuration as the settlement application processing terminal 2 described above, and is a terminal that can be connected to the property information DB 3 via the network N. Below, the case where property information is registered from a registration terminal is demonstrated.

  If the rental property to be registered is already managed by another system different from the settlement application processing system 1, the property information corresponding to the rental property managed by the other system (hereinafter referred to as “Other It is also possible to acquire “system property information” from other systems and register it in the property information DB 3.

  Other system property information can be acquired from another system as follows, for example. It is assumed that the other system has and manages a map that maps the location of the rental property included in the other system property information.

  First, a person in charge of registering property information operates a registration terminal to display a map managed by another system on the screen. Subsequently, the person in charge of registration selects a rental property to be registered from among the rental properties displayed on the map and instructs the acquisition.

  In response to the import instruction, the registration terminal acquires other system property information mapped to the display position of the selected rental property from another system. Subsequently, the registration terminal registers the property information of the rental property to be registered in the property information DB 3 based on the acquired other system property information. Thereby, the load at the time of registering property information in property information DB3 can be remarkably reduced.

  Further, the applicant information DB 4 shown in FIG. 1 stores applicant information relating to a user who applied for rental (hereinafter also referred to as “applicant”) for each applicant identification information that identifies the applicant. Applicant information includes, for example, property identification information of the leased property for which the application was made, name, age, address, telephone number, length of service, annual income, information on work, information on other tenants, joint guarantor Information, and the results of the examination on the ability to pay rent (hereinafter also referred to as “guarantee examination”).

  An example of the processing procedure of the settlement application process executed by the settlement application processing module 221 shown in FIG. 2 will be described with reference to FIG.

  First, when the applicant operates the settlement application processing terminal 2 and logs in to the system, the settlement application processing module 221 displays a rental property that the applicant has passed the guarantee examination as a property subject to the lease contract. It is displayed above (step S101).

  Here, whether or not the applicant is a rental property that has passed the guarantee examination refers to the result of the guarantee examination stored in the applicant information DB 4 based on the applicant identification information of the logged-in applicant. Can be determined.

  Subsequently, when the applicant operates the settlement application processing terminal 2 and selects the rental property displayed on the screen, the settlement application processing module 221 selects the property based on the property identification information of the selected rental property. Reference is made to the card settlement availability information stored in the information DB 3 (step S102).

  Subsequently, the payment application processing module 221 determines whether or not the selected rental property is a rental property that can use credit card payment based on the content of the referenced card payment availability information (step S103).

  If it is determined in step S103 that the rental property can be used for credit card payment (step S103; YES), the payment application processing module 221 executes processing for accepting an application for credit card payment (step S103). S104).

  Here, as a process of accepting an application for credit card settlement, for example, a process for applying an application for credit card settlement by inputting information on the credit card such as a credit card type, a card number, a holder, an expiration date, etc. Is applicable.

  On the other hand, when it is determined in step S103 that the property is not a rental property that can be used for credit card payment (step S103; NO), the payment application processing module 221 executes processing for accepting an application for transfer payment ( Step S105).

  Here, as a process of accepting the application for the transfer settlement, for example, the transfer destination designated by the lender is presented to the applicant, and when there are a plurality of transfer destinations, the transfer destination is selected by the applicant and the transfer settlement is performed. This applies to the process of applying for.

  As described above, according to the settlement application processing system 1 in the embodiment, whether or not the property information DB 3 can use credit card settlement for settlement of the rent of the rental property for each property identification information for specifying the rental property. The payment application processing terminal 2 refers to the card payment availability information stored in the property information DB 3, and the rental property subject to the lease contract uses the credit card payment. When it is determined whether or not the property is a rental property that can be used, and it is determined that the property is a rental property that can be used for credit card payment, processing for accepting an application for credit card payment can be executed.

  Thereby, according to the settlement application processing system 1 in the embodiment, by registering the card settlement availability information for each leased property according to the intention of the lender, only for the leased property that the lender has approved to use the credit card settlement. It becomes possible to apply credit card settlement for rent payment. In other words, it is possible to determine for each rental property whether or not the credit card settlement can be used for rent payment based on the judgment of the lender. As a result, management of rental properties can be promoted more strategically, and the rate of return on rent can be increased.

  The present invention is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the gist of the present invention. For this reason, the said embodiment is only a mere illustration in all points, and is not interpreted limitedly. For example, the above-described processes (steps) can be arbitrarily changed in order within the range where no contradiction occurs in the processing contents, or can be executed in parallel.

  Further, in the payment application processing system 1 in the above-described embodiment, the payment application processing module 221 executes a process of accepting an application for transfer payment, and then uses a predetermined point as the applicant's point according to the payment amount of the transfer payment. It is good also as giving a point by adding. In addition to this, the settlement application processing module 221 executes processing for accepting an application for credit settlement, and then gives a point by adding a predetermined point to the applicant's point according to the amount of settlement for credit settlement. It is good as well. The applicant's points can be stored and managed in the applicant information DB 4 or another database in association with the applicant identification information. For example, the process of giving points may be performed every predetermined period or time, such as daily, weekly, monthly, etc., or at the completion of the process for each settlement application process. Also good.

  Further, in the payment application processing system 1 in the above-described embodiment, the property information DB 3 stores a usable period in which credit card payment can be used in association with the card payment availability information, and the payment application processing module 221 stores the property information. It may be determined whether or not the rental property subject to the lease contract is a rental property that can be used for credit card payment by referring to the card settlement availability information and the usable period stored in DB3.

  Illustratively, the payment application processing module 221 has a content indicating that the credit card payment information can be used, and if the payment application processing date is within the available period, Judge that the property is a rental property that can use credit card payment. On the other hand, in other cases, it is determined that the target rental property is a rental property that cannot be used for credit card payment.

1 ... Payment application processing system 2 ... Payment application processing terminal 3 ... Property information DB
4 ... Applicant information DB
20 ... Processor 21 ... Communication interface 22 ... Storage resource 23 ... Input device 24 ... Display device 220 ... Computer program 221 ... Payment application processing module N ... Network

Claims (10)

Storage means for storing card settlement availability information indicating whether or not credit card payment can be used when renting a rental property is settled for each property identification information specifying a rental property;
A determination unit that refers to the card settlement availability information stored by the storage unit and determines whether or not a rental property subject to a lease contract is a rental property that can use credit card payment;
A payment application processing means for executing a process of accepting an application for a credit card payment when the determination means determines that the property is a rental property for which credit card payment can be used;
A payment application processing system comprising:   The said settlement application processing means performs the process which receives the application of a transfer settlement, when it determines with the said determination means not being a rental property which can use credit card payment. Payment application processing system.   The settlement according to claim 2, further comprising a point granting unit for granting points according to the settlement amount of the transfer settlement after the process for accepting the application for the transfer settlement is executed by the settlement application processing unit. Application processing system.   4. The point granting unit according to claim 3, wherein the point granting unit grants a point corresponding to a payment amount of credit card settlement after processing for accepting an application for credit card settlement is executed by the settlement application processing unit. Payment application processing system.   The settlement application processing system according to any one of claims 1 to 4, wherein the leased property subject to the lease contract is a leased property for which a borrower has passed examination regarding rent payment ability.   The settlement application processing system according to any one of claims 1 to 5, wherein the storage unit further stores property information regarding a rental property for each of the property identification information. A display means for displaying on the screen a map that maps the location of the rental property included in the other system property information managed by another system;
The storage means acquires, from the other system, the other system property information mapped to a position selected and instructed by a user who registers property information out of the map displayed on the screen. Store as property information about rental properties,
The settlement application processing system according to claim 6. The storage means stores an available period in which credit card payment can be used in association with the card payment availability information;
The determination means refers to the card settlement availability information and the availability period stored by the storage means, and determines whether or not the rental property subject to the lease contract is a rental property that can use credit card payment. To
The settlement application processing system according to any one of claims 1 to 7, characterized in that For each piece of property identification information that identifies a rental property, the card payment availability information stored by a storage device that stores card payment availability information indicating whether or not credit card payment can be used when paying the rent of the rental property. A determination step for determining whether or not the rental property subject to the lease contract is a rental property that can use credit card payment;
In the determination step, when it is determined that the property is a rental property that can use credit card payment, a payment application processing step of executing a process of accepting an application for credit card payment;
A settlement application processing method characterized in that: Computer
For each piece of property identification information that identifies a rental property, the card payment availability information stored by a storage device that stores card payment availability information indicating whether or not credit card payment can be used when paying the rent of the rental property. A determination means for determining whether or not the rental property subject to the lease contract is a rental property for which credit card payment can be used,
A payment application processing means for executing a process of accepting an application for a credit card payment when it is determined by the determination means that the rental property can use a credit card payment;
A settlement application processing program characterized by functioning as:

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