JP2019114242A - Rent settlement system and rent settlement method - Google Patents

Abstract

To provide a rent settlement system and a rent settlement method for enabling a lessor to simplify the management of a settlement state of rent by reducing a rent collection burden of the lessor.SOLUTION: The rent settlement system for representatively performing card settlement by a tenant to a lessor includes: means for receiving an input of information required for settlement from a tenant through the Internet without via the lessor; means for performing a credit inquiry to a card company on the basis of card information and information on amounts corresponding to rent; means for claiming payment of the settlement to the card company in the case of acquiring card use permission determination by the credit inquiry; means for recording information about the settlement including at least a portion of information required for the settlement; means for performing the payment of an amount obtained by subtracting an optional handling charge from an amount corresponding to the rent to the lessor independently of the payment related to the settlement from the card company in the case of acquiring the card use permission determination; and means for confirming the payment related to the settlement from the card company.SELECTED DRAWING: Figure 5

Description

  The present invention relates to a payment system using credit card payment and a payment method using credit card payment, and more specifically, a rental payment system and a rental payment system for performing credit card payment of rents such as residences and stores via Internet communication. On the way.

  As a conventional payment system that performs credit card payment in commerce of goods and services, a business operator who performs the business transaction processes the actual credit card payment to another business entity (hereinafter referred to as "agent business"). The form to make it substitute is known. Moreover, the aspect which performs a credit card payment also about rents, such as a residence and a store, has come to be known (for example, refer following patent document 1). Patent Document 1 describes that the initial cost at the time of moving in and the rent etc. are paid by credit card payment via the agent company.

JP, 2011-187035, A

  If credit card payment can be used to pay for rent, the lessor or its managing company must make a separate contractual relationship with various credit card companies, considering the convenience of the lessee. In addition, although it is necessary to carry out such complicated renewal procedures at regular intervals and the actual collection of rent can be imposed on credit card companies, the burden on collection of rent is large.

  In addition, depending on the difference in settlement mode between credit card companies, for example, the difference in setting of closing date and the setting of period from closing date to payment date, the relevant date from the date the borrower made the credit card settlement The settlement date on which payment based on payment is made from the credit card company to the lessor will be different. For example, even if the first lessee and the second lessee perform credit card payment on the same day, if the type of credit card used is different, payment based on the payment will be several days later In some cases, it may be more than a month ahead. Under such circumstances, complicated processing is necessary to manage the settlement status of the rent.

  Therefore, the present invention provides a rent settlement system and a rent settlement method capable of reducing the burden of rent collection by the lessor and simplifying management of the settlement status of the rent by the lessor.

The rent settlement system according to the present invention, in order to solve the above problems,
A payment agent system that substitutes the terminal device of the lessee holding a credit card issued by a credit card company and the payment of rent for the lessor using the information of the credit card input from the terminal device of the lessor And a rent settlement system including
The payment agent system is
Settlement acceptance means for accepting input of information necessary for settlement including the information on the credit card and the rent to be paid to the lessor from the lessee via the Internet without passing through the lessor;
A credit inquiry means for making a credit inquiry to the credit card company based on the information on the credit card and the amount according to the rent;
Reimbursement billing means for requesting the credit card company to settle the settlement when the credit card inquiry is obtained by the credit inquiry.
Payment recording means for recording information on the payment including at least a part of the information necessary for the payment;
When the credit card use authorization determination is obtained by the credit inquiry, any fee is deducted from the amount according to the rent to the lessor regardless of the payment for the settlement from the credit card company The alternative payment means for depositing a fixed amount,
Deposit confirmation means for confirming payment from the credit card company regarding the payment.

Further, in the rent settlement method according to the present invention, in order to solve the above-mentioned problems,
A rent settlement method for acting as an agent for settlement of a lessee who holds a credit card issued by a credit card company to a lessor using information on the credit card,
Accepting the input of information necessary for settlement including the information on the credit card and the rent to be paid to the lessor from the lessee via the Internet without the lessor.
A credit inquiry is made to the credit card company based on the information on the credit card and the amount according to the rent,
If the credit card inquiry is obtained by the credit inquiry, the credit card company is required to settle the settlement.
Recording information relating to the payment, including at least a part of the information necessary for the payment;
When the credit card use authorization determination is obtained by the credit inquiry, any fee is deducted from the amount according to the rent to the lessor regardless of the payment for the settlement from the credit card company Deposit the amount of money,
It is the structure which confirms the payment which concerns on the said payment from the said credit card company.

  In the lease settlement system or the lease settlement method according to the present invention, since the settlement of the lessor is performed to the provider of the lease settlement system or the lease settlement method, the lessor separately contracts with various credit card companies A variety of credit card companies can be used without having to renew or renew, and the actual collection of rents from the lessors will also be performed by each credit card company, reducing the collection burden of the renters. can do. In the lease settlement system or the lease settlement method according to the present invention, payment based on settlement of the rent by the lessee to the lessor is based on the date on which the settlement is performed, the lease settlement system or the settlement method Since it will be carried out by the provider of, it will be possible to simplify the management of the settlement situation of the rent by the lessor.

A correlation diagram schematically showing a usage system of a settlement system according to Embodiment 1 of the present invention Block diagram showing the usage mode of the settlement system according to the first embodiment of the present invention Block diagram showing the structure of the database according to the first embodiment of the present invention Block diagram showing a functional configuration of the payment processing server according to the first embodiment of the present invention A sequence diagram representing a payment mode in the payment system according to Embodiment 1 of the present invention Block diagram showing an example of usage of the settlement system according to the second embodiment of the present invention Block diagram showing the structure of a database according to Embodiment 2 of the present invention Block diagram showing a functional configuration of a payment processing server according to a second embodiment of the present invention A sequence diagram representing a settlement mode in a settlement system according to Embodiment 2 of the present invention

  The conceptual configuration of the settlement system according to the present invention will be described, and then the specific configuration will be described.

The rent settlement system according to the present invention is
A payment agent system that substitutes for the terminal device of the lessee holding a credit card issued by a credit card company, and the credit card information input from the lessee terminal device for the settlement of the rent for the lessor And a rent settlement system including
The payment agent system is
Settlement acceptance means for accepting input of information necessary for settlement including the information on the credit card and the rent to be paid to the lessor from the lessee via the Internet without passing through the lessor;
A credit inquiry means for making a credit inquiry to the credit card company based on the information on the credit card and the amount according to the rent;
Reimbursement billing means for requesting the credit card company to settle the settlement when the credit card inquiry is obtained by the credit inquiry.
Payment recording means for recording information on the payment including at least a part of the information necessary for the payment;
When the credit card use authorization determination is obtained by the credit inquiry, any fee is deducted from the amount according to the rent to the lessor regardless of the payment for the settlement from the credit card company The alternative payment means for depositing a fixed amount,
Deposit confirmation means for confirming payment from the credit card company regarding the payment.

  In the case of the rental settlement system according to the present invention, since the settlement of the lessor is performed to the rental settlement system, even if the lessor does not individually contract or renew with various credit card companies, various arrangements are required. A credit card company can be used, and the actual recovery of the rent of the lessor will also be performed by each credit card company, which can reduce the burden of the renter on the recovery of the rent. Further, in the case of the rental settlement system according to the present invention, the payment to the lessor based on the settlement of the rent by the lessee is the provider of the rental settlement system based on the date of the settlement (ie, the lease of the lessee It is possible to simplify the management of the settlement status of the rent by the lessor because it is carried out by a company or the like acting on behalf of a credit card settlement for a person.

  Further, in the case of the rent settlement system according to the present invention, the renter moves to a predetermined public place because credit card settlement can be performed from his / her terminal device such as personal computer, tablet or mobile phone via the Internet. It is not necessary to make a payment, and credit card payment can be made simply and safely. Furthermore, with the above-described rent settlement system, the lessee can be settled using a credit card of a desired credit card company from various credit card companies, and the convenience for the lessee can be improved.

  Moreover, if it is said rent settlement system, the provider of a rental settlement system can obtain a predetermined commission with credit card settlement of the rent of a lessor. Furthermore, in the case of the above-mentioned rent settlement system, even if the actual recovery of the rent of the renter is performed by each credit card company and the deposit to the renter is reversed, the provider of the rental settlement system does not have the risk. In order not to be charged, the rent settlement system can be operated stably.

In the above-described rent settlement system according to the present invention,
When the scheduled date of payment related to the settlement from the credit card company is later than the scheduled date of payment to the lessor, the reimbursement means may set any fee from the amount according to the rent. The amount after deducting can be replaced.

  In this configuration, the deposit to the lessor must be made on any day determined based on the date on which the lessee settles, regardless of the credit card company used for the settlement by the lessee. Can.

In the above-described rent settlement system according to the present invention,
The amount according to the rent is the amount of the rent, and the amount deposited to the lessor in the reimbursement means is the amount obtained by subtracting the agency fee and the card fee for the credit card company from the rent The first fee system, and the amount according to the rent is an amount obtained by adding the agency fee to the rent, and the amount to be deposited to the lessor in the repayment means is from the rent The system may further include fee system selection means for selecting an arbitrary fee system from a plurality of types of fee systems including a second fee system which is an amount obtained by subtracting a card fee for the credit card company.

  In this configuration, a tenant who wants to receive convenience by credit card payment even if he / she pays an agency fee added to the rent, or a tenant who earns tenants even if he pays an agency fee added to the rent It can respond flexibly to various usage requirements.

In the above-described rent settlement system according to the present invention,
In response to a predetermined input from the terminal device owned by the lessor through the Internet, the lessee's settlement status is confirmed by the lessor with reference to the information on the settlement recorded by the settlement recording means. It can be set as composition further including a payment situation disclosure means disclosed so that it can be done.

  With this configuration, although the lessee settles the rent without the intervention of the lessor, the lessor can determine the lessee's settlement in almost real time, so the rent settlement can be performed. The date and the amount of money received from the system provider can be accurately predicted, and the lessor can stably operate the funds.

In the above-described rent settlement system according to the present invention,
The settlement by the lessee is a settlement in which a fixed amount of money is repeatedly paid,
Planned rent recording means for recording information specifying the fixed amount of money as planned rent according to an instruction from the terminal device owned by the lessor via the Internet;
Rent confirmation means for confirming the sameness between the planned rent recorded by the planned rent recording means and the rent received by the settlement accepting means;
Can be further included.

  With this configuration, it is possible to prevent the lessee from settling for the wrong amount, so it is possible to prevent the occurrence of complicated procedures relating to the repayment of the settlement, the excess refund and the deficit refund. This makes it possible to further simplify the management of the settlement of rent by the lessor.

The rent settlement method according to the present invention is
A rent settlement method for acting as an agent for settlement of a lessee who holds a credit card issued by a credit card company to a lessor using information on the credit card,
Accepting the input of information necessary for settlement including the information on the credit card and the rent to be paid to the lessor from the lessee via the Internet without the lessor.
A credit inquiry is made to the credit card company based on the information on the credit card and the amount according to the rent,
If the credit card inquiry is obtained by the credit inquiry, the credit card company is required to settle the settlement.
Recording information relating to the payment, including at least a part of the information necessary for the payment;
When the credit card use authorization determination is obtained by the credit inquiry, any fee is deducted from the amount according to the rent to the lessor regardless of the payment for the settlement from the credit card company Deposit the amount of money,
It is the structure which confirms the payment which concerns on the said payment from the said credit card company.
It has composition.

  According to the rent settlement method of the present invention, since the settlement of the lessor is performed to the provider of the settlement method, the lessor does not separately contract or renew with various credit card companies. However, various credit card companies can be used, and the actual recovery of the rent of the lessor will also be performed by each credit card company, which can reduce the burden of the renter on the recovery of the rent. Further, in the lease settlement method according to the present invention, the deposit based on the settlement of the rent by the lessee to the lessor is transferred by the provider of the lease settlement method on the basis of the date of the settlement. It is possible to simplify the management of the settlement of rent by the lessor to be known.

  In addition, if the above-mentioned rent settlement method is applied, the lessee moves to a predetermined public place because credit card settlement can be performed from the terminal equipment such as personal computers, tablets, and mobile phones via the Internet. There is no need to make a payment, and credit card payment can be done easily and safely. Furthermore, if the above-described rent settlement method is applied, the lessee can be settled using a credit card of a desired credit card company from various credit card companies, and the convenience for the lessee can be improved. .

  Moreover, if the above-mentioned rent settlement method is applied, a predetermined fee can be obtained with the credit card settlement of rent of the lessor. Furthermore, if the above-mentioned rent settlement method is applied, the actual recovery of the rent of the lessor is performed by each credit card company, and there is no risk even if the deposit to the lessor is reversed, so it is stable. Can provide a rent settlement method.

In the rent settlement method according to the present invention described above,
In the case of payment to the lessor, if the scheduled date of payment related to the settlement from the credit card company is later than the scheduled date of payment to the lessor, any amount from the amount according to the rent The amount deducted from the fee can be redeemed.

  With this configuration, payment to the lessor can be reliably made on a predetermined day based on the date on which the lessee settles, regardless of the credit card company used for settlement by the lessee.

In the rent settlement method according to the present invention described above,
The amount according to the rent is the amount of the rent, and the amount to be deposited to the lessor in the deposit to the lessor subtracts the agency fee and the card fee for the credit card company from the rent The first fee system, which is the total amount, and the amount according to the rent is the amount obtained by adding the agency fee to the rent, and the amount to be paid to the lessor in the deposit to the lessor is An optional fee system can be selected from a plurality of types of fee systems including a second fee system which is an amount obtained by subtracting a card fee for the credit card company from the rent.

  With this configuration, there are various types of tenants, such as a tenant who wants to take convenience even if he / she pays an agency fee added to the rent, or a lessor who wants to earn tenants even if he / she pays an agency fee added to the rent. It can respond flexibly to people's usage requirements.

In the rent settlement method according to the present invention described above,
According to a predetermined input via the Internet from a terminal device owned by the lessor, it is disclosed that the lessee can confirm the settlement status of the lessee by referring to the information on the settlement. be able to.

  With this configuration, although the lessee settles the rent without the intervention of the lessor, the lessor can determine the lessee's settlement in almost real time, so the rent settlement can be performed. The person who provides the system can accurately predict the date and amount of money to be deposited, and the lessor can stably operate the funds.

In the rent settlement method according to the present invention described above,
The settlement by the lessee is a settlement in which a fixed amount of money is repeatedly paid,
According to an instruction via the Internet from a terminal device owned by the lessor, recording information specifying the fixed amount as a planned rent,
It may be configured to confirm the identity of the planned rent and the rent input at the time of settlement.

  With this configuration, it is possible to prevent the lessee from settling for the wrong amount, so it is possible to prevent the occurrence of complicated procedures relating to the repayment of the settlement, the excess refund and the deficit refund. This makes it possible to further simplify the management of the settlement of rent by the lessor.

  Below, the concrete form of the settlement system of the rent which concerns on this invention is demonstrated in detail. Although a specific example of a settlement system and settlement method for credit card settlement of rent such as rent and store charge will be described in detail with reference to FIGS. 1 to 5, the design is appropriately made without departing from the scope of the present invention. It may be changed. FIG. 1 is a correlation diagram schematically showing an example of the usage system of the payment system according to the embodiment of the present invention, and FIG. 2 shows an example of usage of the payment system according to the embodiment of the present invention It is a block diagram.

Embodiment 1
As shown in FIG. 1, the rent settlement system (hereinafter referred to as “payment system”) 1 according to the first embodiment includes a database server 110 provided by a settlement agent company 10, a web server 120, and a settlement processing server. 130, a payment agent system 100 including a terminal device of a manager 11 managing a management server 140 and various servers, and a terminal device owned by a property owner 20 (corresponding to the above “lessor”); Terminal equipment held by each resident (equivalent to the above "renter" in the above) of the resident 31 and the second resident 32, etc., and each credit card company (such as the first credit card company 41 and the second credit card company 42) And the system in “the credit card company” above. In the present settlement system 1, credit card issued by an arbitrary credit card company whose property owner 20 has received affiliation registration using the terminal device of each tenant who has a lease contract with the property owner 20 Will enable credit card payments.

  The settlement agency business 10 enters into a comprehensive contract with various credit card companies including the first credit card company 41 and the second credit card company 42, and the property owner 20 is specified with the settlement agency business 10 If the usage contract is concluded, it is possible to receive an affiliation registration of each credit card company that has concluded a comprehensive contract with the settlement agent business company 10. Thereby, each resident including the first resident 31 and the second resident 32 can settle the rent with various credit cards.

  In addition, in the following, the settlement agent 10 receives a payment from the first credit card company 41 every time the payment is made, and the actual payment (payment) is performed three days after each payment date, and the second credit card A case will be described in which actual settlement (payment) is performed 10 days after each closing date by the settlement being collectively received from the company 42 at a predetermined closing date (end of month). In addition, the first resident 31 and the second resident 32 use the first credit card company 41 and the second credit card company 42 to make a credit card settlement of the rent, respectively.

  Here, the flow of credit card payment will be briefly described. The first resident 31 and the second resident 32 make a payment on the website opened by the payment agent company 10 via the Internet. Along with this settlement, the settlement agent business company 10 makes a settlement request for the settlement to the first credit card company 41 and the second credit card company 42, and the settlement from the first credit card company 41 and the second credit card company 42 I will wait for payment. Further, the settlement agent company 10 deposits the amount obtained by subtracting the fee for the first credit card company 41 and the second credit card company 42 and the fee for the settlement agent company 10 from the rent to the property owner 20. However, without waiting for the deposit from the first credit card company 41 or the second credit card company 42, the amount is transferred and deposited. In this settlement, the settlement agent system 100 is responsible for the main processing.

  In order to use the settlement agent system 100, as shown in FIG. 2, the property owner 20 is set in the settlement agent system 100 by the manager 11 ("property owner use setting" in the figure) It is necessary to receive notification of information such as usage ID and password (“notification of use permission information” in the figure), and to set information such as a property held by the property owner 20 and its room in the agent system 100. In addition, the property owner 20 uses the terminal device owned by the property owner to the first tenant 31 and the second tenant 32 to use the payment substitution system 100 for information such as a usage ID and a password. Setting (“the tenant use setting” in the figure) and to notify that information (“notice of usage permission information” in the figure). In addition, the manager 11 can be made to substitute for setting of various information which the property owner 20 should perform.

  The payment agent system 100, as shown in FIG. 2, includes a database server 110 that holds various information in a database, a web server 120 that can communicate information via the Internet, and various main items related to credit card payment. It consists of a payment processing server 130 that performs processing and a management server 140 that manages the movement status of money, and operates by their cooperative operation. The database server 110, the web server 120, and the payment processing server 130 are realized by, for example, a workstation, a personal computer, or another computer device.

  First, in the database 111 of the database server 110, as shown in FIG. 3A, a database is created for each property owner who uses the payment processing system 100. For the property owner 20, property owner information ("owner information A" in the figure) and property information ("property information A1" in the figure) which is unique information about each property owned by the property owner 20, Property information A2 etc.), and each property information is linked (correlated) to property owner information (specifically, an owner code to be described later: see FIG. 3 (B)). It is recorded in 111.

  Further, as shown in FIG. 3 (B), the property owner information indicates that the property owner 20 is on the settlement agent system 100 with another property owner (“owner information B” or “owner of the property in the figure. Owner code for identification as “person identified by information C”, name of property owner 30, usage ID for using payment agency system 100, password associated with the usage ID The various types of information included in the property owner information are linked to the owner code.

  In addition, as shown in FIG. 3 (C), each property information is a room identification (figure information) that is a property identification number for identifying each property, a property name, and information specific to each room of the property. The information is composed of “room information 1”, “room information 2”, etc.), and various types of information included in the property information are linked to the property identification number.

  Further, as shown in FIG. 3D, each room information is a room identification name for identifying each room in the same property, a resident name, and the tenant uses the payment agent system 100. This room is composed of a usage ID to be used, a password associated with the usage ID, and payment information (“payment information 1”, “payment information 2”, etc. in the figure) representing information on each payment. Various types of information included in the information are linked to the room identification name.

  Further, as shown in FIG. 3E, each piece of settlement information is composed of a settlement amount, a settlement date and time, status information for specifying settlement completion, settlement error, and the like. If the settlement fails due to an error, information is also recorded that can identify the type of the error.

  Next, as shown in FIG. 2, the web server 120 determines the usage ID to determine whether or not the use of the payment processing system 100 is permitted for access from the outside via the Internet. And a password, and the use permission unit which gives permission for use in the case of a combination registered in the database 111 (a combination of a use ID and a password registered in FIG. 3B and FIG. 3D). And an input receiving unit for receiving various inputs when usage is permitted, an input information recording unit for recording predetermined information of the input information in the database 111, a search for information registered in the database, And an information processing unit that performs extraction.

  The function unit (the "settlement accepting function unit" in the figure receives an input necessary for settlement when the input acceptance unit is permitted to use the use ID for the resident such as the first resident 31 or the second resident 32. In order to display the settlement history of the resident who is authorized to use based on the above “payment acceptance means” and the payment information (see FIG. 3 (D) and FIG. 3 (E)) in the database 111 And a function unit ("settlement history confirmation receiving function unit" in the drawing).

  In addition, when the input reception unit is permitted to use the property owner such as the property owner 20 with the use ID, the input for issuing a new use ID or password to a new tenant, or the first A function unit ("tenant use setting reception function unit" in the figure) that receives an input for reissuing a new usage ID and password to existing tenants such as the tenant 31 and the second tenant 32 etc., and a database A functional unit that receives an input for newly registering new property information (see FIGS. 3A and 3C) in 111 and changing existing property information in the database 111 (“in FIG. The property setting acceptance function section) and input for changing room information (see FIG. 3C and FIG. 3D) in the database 111 or changing existing room information in the database 111 Function to accept It contains ( "room setting receiving function unit" in the figure). In addition, when the use acceptance is permitted by the use ID issued to each property owner such as the property owner 20, the input reception unit has a lease contract with the property owner who is permitted to use the property. A functional unit ("settlement condition in the figure" for accepting an input for confirming the settlement condition of a part or all of the tenants based on the settlement information in the database 111 (see Figs. 3D and 3E)). "Confirmation acceptance function unit" is also included.

  In addition, when the use of the manager 11 is permitted by the use ID, the input reception unit performs an input for issuing a new use ID or password to a new property owner, or the existing property owner 20 or the like. And a function unit ("tenant use setting reception function unit" in the figure) for receiving an input for reissuing a new use ID and password to the property owner of. In addition, when utilization is permitted by use ID with respect to the management 11, all the functions which each property owner, such as property owner 20, can use can be utilized.

  Next, as shown in FIG. 2, the payment processing server 130 cooperates with the credit card companies such as the first credit card company 41 and the second credit card company 42 to check the validity and credit limit of the credit card. It has a credit inquiry department that checks if there is room for the settlement amount. Specifically, when the information necessary for settlement is input, the credit inquiry unit selects information necessary for credit judgment among the information, for example, information on a credit card number, a validity period, a rent (settlement amount) Send the credit card company a credit inquiry.

  In addition, as shown in FIG. 2, when the credit card company notifies the credit card company of permission to use the credit card, as shown in FIG. In addition to the necessary information, a settlement request unit (corresponding to the above-mentioned “payment request means”) is provided which transmits information such as a security code to make a payment request. Once the credit card company has been billed for payment, it will wait for the payment from the credit card company. In the present embodiment, the first credit card company 41 makes a payment to the payment agency company 3 three days after the date of the settlement request, and the second credit card company 42 makes the payment for the next settlement. The bills up to the closing date are accumulated, and 10 days after the next closing date, payment is made to the settlement agent business company 10.

  Further, the settlement processing server 130 is provided with a settlement report recording unit (corresponding to the above-mentioned "settlement recording means") that records various types of information on settlement in the database 111 of the database server 110. For example, the payment amount, payment date and time, and status are recorded as payment information (see FIG. 3E and FIG. 3F) by the payment recording unit.

  Further, the settlement processing server 130 determines the amount of money to be deposited to the property owner 20 for each settlement, aggregates the amount of money to be deposited for settlement performed in a predetermined period for each property owner, or deposits It has a replacement management unit (corresponding to a part of the above-mentioned "recipient deposit means") that adjusts the days to be done. In the present embodiment, the replacement management unit adds up settlements performed on the same day for each property owner, and transmits the information on the total amount aggregated together with the detailed data of each settlement to the management server 140 the next day. Here, the first credit card company 41 settles at least three days after the date of each settlement, and the second credit card company 42 settles at least ten days after the date of each settlement. In order to complete the transaction, the payment agent company 10 transfers all the amount to be paid to the property owner 20 for all the payments billed to the first credit card company 41 or the second credit card company 42 It will be deposited.

  Next, as illustrated in FIG. 2, the management server 140 accumulates the information on the withdrawal transmitted from the settlement processing server 130, and based on the information, the settlement-uncompleted settlement, the settlement-completed settlement, etc. It has a replacement situation management unit (corresponding to a part of the above-mentioned "repayment depositing means") to identify and manage. The information stored as settlement scheduled for reversion in the reversion situation management unit transmits information on the total reversion amount for each property owner to the electronic banking center of the financial institution, and each property is owned from the account of the settlement agent business operator 10 By sending a remittance to the person's account, it will be recorded as a paid settlement. In addition, the financial institution Electronic Banking Center which received the instruction of remittance completes the remittance on the day.

  In addition, the management server 140 further includes a payment status management unit (corresponding to the above-mentioned “payment confirmation means”) that identifies and manages unsettlement settlements and settlement settlements with respect to the settlement settlements. . In the payment status management section, the unsettlement payment is made periodically from the credit card company (in the present embodiment, every day for the first credit card company 41 and once a month for the second credit card company 42) ) Based on the deposit, it is recorded as a settled payment.

  Here, the detailed operation of the settlement system 1 will be described with reference to FIGS. 4 and 5. FIG. 4 is a block diagram showing an example of a functional configuration of the payment processing server, and FIG. 5 is a sequence diagram showing a payment mode in the payment system. In the following, first, the case of the settlement performed by the first resident 31 will be described, and only the difference between the settlement performed by the second resident 32 and the case of the first resident 31 will be described.

  When the first resident 31 accesses the home page of the payment agency company 10 using a terminal device owned by the first resident 31, the usage permit process (see FIG. 2) is started by the usage permit unit (see FIG. 2). The login screen is presented to the user to request the input of the usage ID and password ("Login request" in FIG. 5). When the first resident 31 inputs the usage ID and password from the terminal device (“input of login information” in FIG. 5), the usage ID and password registered in the database 111 of the database server 110 (see FIG. 2) (FIG. 3) It is determined whether or not it is the same as (D) (refer to (D)), and when it is the same, use of the payment agent system 100 is permitted. As a result, the use permission process 121 ends, and the function selection reception process 122 for expressing the function selection reception function is started by the input reception unit (see FIG. 2). In addition, when it is not the same, the use of the payment agent system 100 is not permitted, an error is informed to the first resident 31, and the input of the use ID and the password is requested again.

  When the function selection reception process 122 is started, the login screen is shifted to the main menu screen, and the first tenant 31 is made to select whether payment is to be performed or the history of payment is to be confirmed ("function selection request" in FIG. ). When the terminal device of the first resident 31 receives an input to select payment ("settlement function selection input" in FIG. 5), the function selection acceptance process 122 is completed, and the payment acceptance function is activated The reception process 123 is started. In addition, when it is selected to confirm the history of settlement, a settlement history confirmation reception process (not shown) that starts the settlement history confirmation reception function (see FIG. 2) is started.

  When the settlement acceptance process 123 is started, the first tenant 31 is requested to input a rent ("Rent request" in FIG. 5). When the rent is input from the terminal device of the first resident 31 ("Rent input" in FIG. 5) and the input is confirmed, the type of credit card to be used, its card number, The user is requested to enter an expiration date or a security code ("Card information request" in FIG. 5). When the name of the first credit card company 41, the card number and the expiration date are input ("enter card information" in FIG. 5) and the input is made to confirm the input, the input settlement is made. Necessary information (hereinafter also referred to as “input settlement information”) is transferred to the settlement processing server 130 (“transfer of input settlement information” in FIG. 5), and the credit inquiry unit (see FIG. 2) Process 131 is started.

  When the credit inquiry process 131 is started, information necessary for the credit inquiry (hereinafter also referred to as “credit inquiry information”), specifically, the rent as a settlement amount together with the entered card number and expiration date information Is sent to the designated first credit card company 41 (“transmission of credit inquiry information” in FIG. 5), and awaits the judgment result of the credit screening. The first credit card company 41 that has received the information from the settlement processing server 130 permits the use of the credit card if the credit card is valid and the credit limit has a remainder for the settlement amount. The usage permission information to the effect is transmitted to the payment processing server 130 ("transmission of usage permission information" in FIG. 5). If the credit card is invalid or there is no remainder for the payment amount in the credit limit, information not shown is transmitted to the payment processing server 130 indicating that the use is not permitted. When the credit card usage permission information is received, the credit inquiry processing 131 ends, and the settlement billing processing 132 is subsequently started by the settlement billing unit (see FIG. 2).

  When the settlement request processing 132 is started, information necessary for the settlement request (hereinafter also referred to as “settlement request information”), specifically, the information necessary for the credit examination, in addition to the security code or the biller Information of a certain payment agency 10 (for example, the name of a payment agency, a member store number, etc.) is transmitted to the first credit card company 41 ("settlement billing information transmission" in FIG. 5). Thereby, the settlement of the settlement is charged to the first credit card company 41. In this embodiment, in addition to the information on the settlement agent 10, the information on the property owner 20 extracted from the database 111 (for example, the owner's name (see FIG. 3B) and the settlement of the rent) Is also sent to the first credit card company 41. And it is the settlement agent company 10 who actually bills the settlement of the settlement, but recognizes what the first tenant 31 is paying for. In order to make it easy, the property owner 20 instead of the payment agent company 10 is described as a use destination on the bill etc. from the first credit card company 41 to the first resident 31 or the rental fee The payment request for payment is completed by sending payment information to the first credit card company 41. Further, the decision to the first credit card company 41 is made. After transmitting the information, the information (settlement completion information) to the effect that the settlement has been completed is transmitted to the web server 120 ("settlement completion information transmission" in FIG. 5), and the settlement request processing 132 ends. When the settlement completion information from the settlement processing server 130 is received, the first tenant 31 is notified that the settlement is completed ("settlement completion notification" in FIG. 5), and the settlement from the first tenant 31 is ended. It waits for the input to the effect that the payment acceptance process 123 is ended according to the input.

  Subsequent to the settlement request processing 132, the settlement recording section 133 (see FIG. 2) performs the settlement recording process 133, and the information of the company name, card number and expiration date of the first credit card company 41 input in the settlement acceptance process 123 It is recorded in a predetermined area of the database 11 ("settlement information record" in FIG. 5). Further, the settlement amount is recorded in the item of the settlement amount in the database 111 (see FIG. 3E). Further, the date and time of settlement (see FIG. 3E) at which the settlement was performed and a status (see FIG. 3E) indicating the state of the execution result are also recorded. Note that personal information to be highly concealed, such as the type of credit card used, card number, expiration date, etc., is stored in the area different from the database 111 in the database server 110 and is referred to as necessary. Even if there is, we protect the personal information by masking and displaying a part.

  Subsequent to the settlement recording process 133, the renewal management process (see FIG. 2) starts the renewal management process 134, and the card fee of the first credit card company 41 for the rent as the settlement amount (5% of the settlement amount in this embodiment) Is calculated, and by deducting the card fee and the agency commission for payment agency 10 (500 yen in this form, regardless of the payment amount) from the rent as the payment amount, the planned replacement amount for the payment (property ownership) The amount of payment to person 20). The settlement is recorded in the database 111 as settlement not yet renewed (“recording of information not yet renewed” in FIG. 5), and the process is temporarily ended. By this, it will wait until the next day which actually carries out repayment payment. Then, on the next day, the renewal management processing 134 is resumed, and information on settlement incomplete transactions is extracted from the database 111 ("extraction of information not yet completed" in FIG. 5). The total amount of the scheduled replacement amount for the settlement is calculated, and the information on the calculated total amount is transmitted to the management server 140 together with the individual information on the respective settlements to be the subject of the current repayment payment (FIG. Information transmission ").

  When the management server 140 receives the information on the respective settlements to be exchanged this time and the information on the total sum of the planned replacement amounts for the settlements, the substitution situation management unit (see FIG. 2) starts the substitution state management process 141. , Accumulated information received, information on the total replacement amount for each property owner, information on the account of the settlement agent company 10 that is the remittance source, and information on the account of the property owner 20 that is the remittance destination A remittance is instructed to a banking center (not shown) to instruct remittance ("remittance instruction to a financial institution" in FIG. 6), and each settlement target for the current reversion is recorded as a repayment settlement. In addition, the financial institution Electronic Banking Center that has received the instruction of the remittance completes the remittance on the day, and thereby, the payment to the property owner 20 is completed ("repayment" in FIG. 6). With the completion of recording of the settlement completed, the reversion situation management processing 135 is ended, and the payment from the first credit card company 41 to the settlement agent company 10 is awaited. From the first credit card company 41, payment settlement amount via the financial institution Electronic Banking Center three days after the settlement date, that is, the payment amount obtained by subtracting the card fee from the rent as the settlement amount is the settlement agent 10 Will be

  Upon receipt of the payment details information transmitted from the first credit card company 41 along with the payment to the settlement agency 10 from the first credit card company 41, the payment situation management process 142 (see FIG. 2) is performed. Is started, and the settlement recorded as an unsettled settlement is recorded as a settled settlement with respect to the settlement included in the payment details information. The settlement agent company 10 can obtain an amount obtained by subtracting the reimbursement amount from the settlement amount as a substitution fee by depositing the settlement amount of the settlement from the first credit card company 41.

  Next, the settlement by the second resident 32 will be described. The second resident 32 is the same as the payment by the first resident 31 except that the second resident 32 makes a payment to the second credit card company 42. While the first credit card company 41 performs settlement every time the settlement request for each settlement (settlement form each time) and makes payment three days after the date of the settlement request, the second credit card company 42 has the end of the month. The settlement request for the settlement performed in one month with the closing date as a closing date is collectively settled (the closing settlement mode), and payment is made 10 days after the closing date. By this, the settlement date from the second credit card company 42 to the settlement agent company 10 and the planned settlement date from the first credit card company 41 for the settlement on the same day will be different. The same as the scheduled payment from the first credit card company 41, the scheduled payment from the second credit card company 42 is later than the payment to the property owner 20 by the payment agent company 10. Therefore, regardless of the settlement date by the second resident 32, the payment to the property owner 20 regarding the settlement will be transferred by the settlement agent company 10, substantially the same as the case shown in FIG. Will be processed in the flow of

  In the case of the settlement system 1 described above, collection of rents from tenants such as the first tenant 31 and the second tenant 32 itself is made possible by the first credit card company 41 by making it possible to use credit card payment. And each second credit card company 42 or the like. In addition, if contracting with the settlement agent business company 10, credit card settlement for various credit card companies that have comprehensive contracts with the settlement agent business company 10 can be used, and contracts with each credit card company and maintenance thereof can be made. Such complicated procedures become unnecessary. Furthermore, in order for each resident such as the first resident 31 and the second resident 32 to be able to use the credit card payment of various credit card companies, in the payment of rent by each tenant, credit card payment It can promote the use. By these, the burden of the collection | recovery of the rent in the property owner 20 can be eased.

  In the case of the settlement system 1 described above, the property owner 20 does not depend on the settlement mode of the credit card company, but on the basis of the settlement date of the credit card settlement by the tenant, the repayment deposit by the settlement agent company 10 is performed The period from the settlement date to the date of reimbursement is fixed and accelerated. As a result, it is possible to provide the property owner 20 with an environment in which the management of the payment status can be simplified.

  In the case of the settlement system 1 described above, even if the settlement agent company 10 repays the property owner 20 on the basis of the settlement date of the credit card settlement by the tenant regardless of the settlement mode of the credit card company. Since the credit card company bears the collection of the rent from the actual tenants, the agency fee can be secured without risk. As a result, the settlement agent 10 can obtain stable earnings.

  In the case of the settlement system 1 described above, although the profit margin decreases because the property owner 20 bears the agency commission for the settlement agency business company 10, the competitiveness against neighboring properties increases, and the occupancy rate is improved. Can provide an environment that can

  In the case of the settlement system 1 described above, in order for the property owner 20 to bear the agency fee for the settlement agency company 10, the convenience regarding the payment of the rent to the tenant is high, but credit card settlement is performed. We can provide an environment without disadvantages.

Second Embodiment
The settlement system according to the second embodiment will be described with reference to FIGS. The same reference numerals are given to the portions substantially the same as the configuration of the first embodiment described above, and the redundant description will be omitted, and only the different portions from the above first embodiment will be described in detail. . FIG. 6 is a block diagram showing an example of a usage mode of the payment system, and FIGS. 7A to 7B are block diagrams showing the structure of a database.

  In the settlement system 2 of the second embodiment, as shown in FIG. 6, in the database server 110, the database 211 different from the database 111 in the first embodiment is constructed. Unlike the configuration in which the property owner 20 bears the agent fee without relying on the tenant as in the first embodiment described above, the agent fee determining unit is provided to determine the fee to be added to the agent fee. It is possible to select whether the property owner 20 bears, each tenant bears, or whether to split the property owner 20 with each tenant.

  As shown in FIG. 7 (A), the database 211 adds a property identification number, a property name and room information (room information 1 and room information 2 etc. in the drawing) as credit information for each property information. It includes fee information linked to each property identification information for determining the fee applied when performing. Note that fee information is not included in the database 111 of the first embodiment described above (see FIG. 3C). As shown in FIG. 7 (B), the fee information is charged at a rate according to the rent (fixed rate mode), or it is graded according to the fixed amount (fixed amount mode) or the rent regardless of the rent. Determine the charge mode identification value for identifying whether to charge with a dynamically changing fixed amount (graded fixed amount mode), the rate when charging with a rate, and the rental range of each step when changing gradually It is composed of range setting (range setting 1, range setting 2 etc.) and a fee applied in each step. For example, if “5.00” is set as the rate, 5% of the rent will be the fee. In addition, when “100000” and “1000” are set in range setting 1 and fee 1 and “50000” and “500” are set in range setting 2 and fee 2, the value exceeds 50000 yen and is 100000 yen or less The fee for the rent is 1000 yen and the fee for the rent which is 50000 yen or less is 500 yen. In addition, when the charge in the fixed rate mode is designated by the charge mode identification value, the item of each range setting and each fee is not set, conversely, in the fixed amount mode or the stage fixed amount mode in the charge mode identification value If charge of is specified, the item of rate will not be set.

  Specifically, for example, in the case of performing credit card settlement for each tenant who is in a property in which the charge mode identification value is “1” and the rate is set to “0.00”, The rental fee itself is the settlement amount without the fee other than the rental fee being added, and the agency fee will be borne by the property owner 20. In addition, for each tenant who is in a property whose billing mode identification value is “1” and the rate is set to other than “0.00”, the sum of the fee plus the fee is the settlement amount. Become. In this case, assuming that the agency fee for the settlement agent company 10 is the sum of the rent and the predetermined rate, if the fee rate is set equal to the agency fee rate, the agency fee is for each tenant If the fee rate of the fee is set to "0.00 or more and less than the rate of the agency fee", the agency fee will be shared by the property owner 20 and each tenant. .

  Also, for example, the charge mode identification value is set to “2”, the range setting is only one, and a value that is equal to or higher than the highest rent in the property is set as the setting range, and the fee is set to “0”. For each tenant who is in the property being rented, the rent itself will be the settlement amount without the fee other than the rent being added, and the agency fee will be borne by the property owner 20. In addition, the charge mode identification value is set to “2”, the range setting is only one, and the value is set as the setting range that is equal to or higher than the highest rent in the property, and the fee is set to other than “0”. For each tenant moving into the property, the amount obtained by adding the fee to the rent is the settlement amount. In this case, assuming that the agent fee for the settlement agent company 10 is a predetermined amount not depending on the rent, if the agent fee is set equal to the agent fee, the agent fee will be borne by each tenant. If the fee rate is set to "0" or more and less than the agency fee, the agency fee will be shared by the property owner 20 and each tenant. In addition, when the agency commission for the payment agency company 10 is an amount obtained by multiplying the rent by a predetermined rate, the two parties will be adjusted by the appropriate fixed amount method or charge by fixed amount flat rate, or the payment agency company If the agency fee for 10 is a predetermined amount not based on rent, it is also possible to adjust the sharing amount by charging according to an appropriate rate mode.

  In the settlement processing server 230, when tenants such as the first tenant 31 and the third tenant 33 enter the rent amount by the function of determining the fee, the fee information registered in the database 111 (FIG. Referring to A) and FIG. 7 (B), the fee is determined based on the input rent, and the sum of the rent and the fee is determined as the settlement amount.

  Here, a detailed settlement mode of the settlement system 2 will be described with reference to FIGS. 8 and 9. FIG. 8 is a block diagram showing an example of a functional configuration of the payment processing server, and FIG. 9 is a sequence diagram showing a payment mode in the payment system. In the following, the third resident 33 (see FIG. 6) is a resident of a property different from the first resident 31 (see FIG. 6), and the first embodiment for the property in which the first resident moves. The property owner 20 is set to bear the agency fee in the same manner as in the above case, and the agency fee is set to be charged by the third tenant 33 for the property for the third tenant 33 to move in. I assume. In addition, the third resident 33 uses the credit card issued by the third credit card company 43 to make a payment, and the third credit card company 43 sets the end of the month as the closing date, and on the next day of the closing date To deposit money. Further, in the settlement processing server 230, processing is performed so as to deposit money to the property owner 20 the day after the six-month closing day.

  It is the same as that of the case of the above-mentioned Embodiment 1 until rent is inputted by the 3rd resident 33 in settlement acceptance processing 223. In the settlement acceptance process 223, when the third tenant 33 inputs a rent and an input for fixing the input is performed, the input rent information is transferred to the settlement processing server 230 (FIG. 9). "Rent transfer").

  When the payment processing server 230 receives the information of the rent inputted by the third tenant 33 from the web server 120, it starts the fee determining process 135 for expressing the fee determining function. When the fee determination processing 135 is started, the database 211 is requested to read out the fee information (see FIG. 7B) set for the property in which the third resident 33 is moving (see FIG. 9). “Fee information request” in (2), fee information is extracted from the database 211 (“fee information request” in FIG. 9). In the present embodiment, “1” for specifying the charge of the rate form is set as the charge mode identification value (see FIG. 7B) for the property in which the third resident 33 is moving, and the rate ( As shown in FIG. 7 (B), since the same predetermined rate as the agency fee is set, the fee is determined to be an amount obtained by multiplying the rent by the predetermined rate. In addition, the final settlement amount in this settlement is determined to be the sum of the rent and the fee. The information on the determined fee and settlement amount is transmitted to the web server 120 ("settlement amount and fee transmission" in FIG. 9), and the fee determination processing 135 ends.

  When the web server 120 receives the information on the fee and the settlement amount, the settlement acceptance processing 223 notifies the third tenant 33 of the information ("notice of amount" in FIG. 9), and the type of credit card to be used. Or asking for the card number, its expiration date, and the security code ("Card information request" in FIG. 5). The subsequent steps are similar to those of the first embodiment described above.

  In addition, for the property for the first resident 31, the property for which the first tenant 31 is moving is set to “1”, which specifies the charge for the rate type as the charge mode identification value (see FIG. 7B). Also, since “0.00” is set as the rate (see FIG. 7 (B)), there is no additional fee as in the case of the first embodiment described above, and the rent itself is It becomes the settlement amount.

  In the replacement management process 234, the card fee of the third credit card company 43 with respect to the settlement amount (rent + fee) is calculated, and the card fee and the agency commission of the settlement agent company 10 are subtracted from the settlement amount. Determine the planned replacement amount (payment amount to the property owner 20). The settlement is recorded in the database 111 as settlement not yet renewed (“recording of information not yet renewed” in FIG. 5), and the process is temporarily ended. By this, it will wait until the next day of the closing date which performs a repayment payment. Then, on the next day of the closing date (“later A” in FIG. 9), the replacement management process 234 is resumed, and the replacement amount for all settlements related to the property owner 20 performed in the previous 5 days including the settlement The total amount is calculated, and the information on the calculated total amount is transmitted to the management server 140 together with the information on each settlement to be the target of the current repayment. In the present embodiment, since the settlement by the third credit card company 43 for each settlement in the last month to the settlement agent business company 10 is performed on the 1st of the next month ("late day B" in FIG. 9) In the settlement on the day of the end of the month, payment to the settlement agency business company 10 by the third credit card company 43 may be made earlier than payment to the property owner 20 by the settlement agency business company 10 For most settlements, payment to property owner 20 by settlement agency business 10 is made by replacement by settlement agency business 10 earlier than payment to settlement agency business 10 by third credit card company 43 .

  If it is payment system 2 of this Embodiment 2, an effect equivalent to an effect explained to settlement system 1 of the above-mentioned Embodiment 1 is produced.

  Furthermore, in the case of the settlement system 2, a part or all of the agency fee can be adjusted in order to be able to adjust the agency fee sharing by tenants such as the property owner 20, the first tenant 31 and the third tenant 33 for each property. Requirements for tenants who want the convenience of credit card payment even if they bear the burden, and various requests such as property owners who want to increase the occupancy rate of the property even if they bear all or part of the agency fee It can respond suitably.

  Moreover, in the case of the settlement system 2, the property owner is not significantly delayed in order to give up payment to the property owner 20 pertaining to each settlement performed within a predetermined short period (about one week). While performing payment to 20, the burden of tallying work by the property owner 20 can be reduced, and the burden of confirmation work of payment by the property owner 20 can be reduced. Thereby, management of the settlement situation of a rent can be simplified further.

  In the settlement system 2 described above, the agent fee for the settlement agent company 10 is borne by the property owner 20 for the settlement by the first tenant 31, and the third tenant 33 for the settlement by the third tenant 33. Although the structure in the case of burdening was demonstrated, it can be set as the structure shared by both the property owner 20 and the 1st resident 31 or the 3rd resident 33. FIG.

  Further, in the settlement system 2 described above, a configuration is described in which repayment to the property owner 20 is collectively performed six times a month, but other numbers of times, for example, three times a month or once a week It can also be an aspect. In addition, it is possible to make the form of repayment payment different for every property owner. With this configuration, the convenience of managing the settlement status can be improved, and a suitable environment can be individually provided to various property owners.

  Moreover, in the above settlement system 1 or 2, although settlement is performed with the settlement amount based on the rent input from the terminal device of each tenant, the rent is set in the database 111 for each tenant, The set amount may be compared with the rent input from the terminal device of each tenant, and the procedure may be continued only when the two are the same. With this configuration, it is possible to prevent the lessee from settling for the wrong amount, so it is possible to prevent the occurrence of complicated procedures relating to the repayment of the settlement, the excess refund and the deficit refund. This makes it possible to further simplify the management of the settlement of rent by the lessor. Furthermore, the rent may be displayed automatically based on the rent set in the database 111. With this configuration, it is possible to more easily prevent the lessee from settling for the wrong amount.

  In addition, in the settlement systems 1 and 2 described above, although it is necessary to input information on a credit card from the terminal device of each resident, the information used in the settlement completed in the last time is recorded, The configuration may be such that the recorded information is automatically displayed. With this configuration, the settlement procedure can be simplified.

  Further, in the settlement systems 1 and 2 described above, the input of various information may be input by voice. Furthermore, some or all of the necessary information may be automatically input by uttering a predetermined keyword instead of specific information. In this configuration, since the lessee can input highly confidential personal information by voice, it is possible to easily input necessary information without concentrating on the screen, and the lessee can also be highly confidential personal information. In order to be able to input necessary information without uttering itself, it is possible to input personal information safely even if it is necessary to make a payment in an environment where there are others around.

  Further, in the settlement systems 1 and 2 described above, although the case where the settlement agent system 100 is configured by the database server 110, the web server 120, the settlement processing server 130, and the management server 140 has been described, A configuration in which a plurality of servers are divided or a configuration in which the functions of a plurality of servers are integrated into one server may be employed.

  It can be used for credit card settlement of rent via the Internet.

1, 2: payment system 10: payment agency company 11: manager 20: property owner 31: first resident 32: second resident 33: third resident 41: first credit card company 42: second Credit card company 43: Third credit card company 100: 200: Settlement agent system 110: Database server 111, 211: Database 120: Web server 121: Usage permission process 122: Function selection acceptance process 123, 223: Settlement acceptance process 130, 230: settlement processing server 131: credit reference processing 132: settlement billing processing 133: settlement recording processing 134, 234: replacement management processing 135: fee determination processing 140: management server 141: replacement status management processing 142: deposit status management processing

Claims (10)

A payment agent system that substitutes for the terminal device of the lessee holding a credit card issued by a credit card company, and the credit card information input from the lessee terminal device for the settlement of the rent for the lessor And a rent settlement system including
The payment agent system is
Settlement acceptance means for accepting input of information necessary for settlement including the information on the credit card and the rent to be paid to the lessor from the lessee via the Internet without passing through the lessor;
A credit inquiry means for making a credit inquiry to the credit card company based on the information on the credit card and the amount according to the rent;
Reimbursement billing means for requesting the credit card company to settle the settlement when the credit card inquiry is obtained by the credit inquiry.
Payment recording means for recording information on the payment including at least a part of the information necessary for the payment;
When the credit card use authorization determination is obtained by the credit inquiry, any fee is deducted from the amount according to the rent to the lessor regardless of the payment for the settlement from the credit card company The alternative payment means for depositing a fixed amount,
A rental payment system including payment confirmation means for confirming payment related to the settlement from the credit card company.   When the scheduled date of payment related to the settlement from the credit card company is later than the scheduled date of payment to the lessor, the reimbursement means may set any fee from the amount according to the rent. The rent settlement system according to claim 1, wherein the amount obtained by subtracting is redrawn.   The amount according to the rent is the amount of the rent, and the amount deposited to the lessor in the reimbursement means is the amount obtained by subtracting the agency fee and the card fee for the credit card company from the rent The first fee system, and the amount according to the rent is an amount obtained by adding the agency fee to the rent, and the amount to be deposited to the lessor in the repayment means is from the rent The rental settlement according to claim 1 or 2, further comprising a fee system selecting means for selecting an arbitrary fee system from a plurality of types of fee systems including a second fee system which is an amount obtained by subtracting a card fee for the credit card company. system.   In response to a predetermined input from the terminal device owned by the lessor via the Internet, the lessee confirms the settlement condition of the lessee by referring to the information on the settlement recorded by the settlement recording means The rent settlement system according to any one of claims 1 to 3, further comprising a settlement status disclosure means that enables disclosure. The settlement by the lessee is a settlement in which a fixed amount of money is repeatedly paid,
Planned rent recording means for recording information specifying the fixed amount of money as planned rent according to an instruction from the terminal device owned by the lessor via the Internet;
Rent confirmation means for confirming the sameness between the planned rent recorded by the planned rent recording means and the rent received by the settlement accepting means;
The rent settlement system according to any one of claims 1 to 4, further comprising A rent settlement method for acting as an agent for settlement of a lessee who holds a credit card issued by a credit card company to a lessor using information on the credit card,
Accepting the input of information necessary for settlement including the information on the credit card and the rent to be paid to the lessor from the lessee via the Internet without the lessor.
A credit inquiry is made to the credit card company based on the information on the credit card and the amount according to the rent,
If the credit card inquiry is obtained by the credit inquiry, the credit card company is required to settle the settlement.
Recording information relating to the payment, including at least a part of the information necessary for the payment;
When the credit card use authorization determination is obtained by the credit inquiry, any fee is deducted from the amount according to the rent to the lessor regardless of the payment for the settlement from the credit card company Deposit the amount of money,
A method of rent settlement that confirms the payment related to the settlement from the credit card company.   In the case of payment to the lessor, if the scheduled date of payment related to the settlement from the credit card company is later than the scheduled date of payment to the lessor, any amount from the amount according to the rent The method for settling rents according to claim 6, wherein the amount obtained by deducting the fee for the repayment is replaced.   The amount according to the rent is the amount of the rent, and the amount to be deposited to the lessor in the deposit to the lessor subtracts the agency fee and the card fee for the credit card company from the rent The first fee system, which is the total amount, and the amount according to the rent is the amount obtained by adding the agency fee to the rent, and the amount to be paid to the lessor in the deposit to the lessor is The method according to claim 6 or 7, wherein any fee system can be selected from a plurality of types of fee systems including a second fee system which is an amount obtained by subtracting a card fee for the credit card company from the rent.   It is disclosed that the lessee's settlement status can be confirmed by the lessor by referring to the information related to the settlement in response to a predetermined input from the terminal device owned by the lessor via the Internet. The rent settlement method as described in any one of -8. The settlement by the lessee is a settlement in which a fixed amount of money is repeatedly paid,
According to an instruction via the Internet from a terminal device owned by the lessor, recording information specifying the fixed amount as a planned rent,
The method for settling rents according to any one of claims 6 to 9, wherein the identity between the planned rent and the rent input at the time of settlement is confirmed.

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