JP2020107081A - Contract management server - Google Patents

Abstract

To provide a contract management server for eliminating complexity in a contract procedure related to a real estate property.SOLUTION: A contract management server 1 generates key information for authentication, and transmits the key information for authentication to a communication terminal device 4 through a communication interface 101 in receiving tenant information from the communication terminal device 4. Then, in receiving the key information for authentication transmitted to a calling control server 2 from the communication terminal device through a telephone communication network N1 from the calling control server 2 through a data communication network N2, the contract management server 1 authenticates the tenant information from the communication terminal in the case that the received key information for authentication coincides with the key information for authentication transmitted to the communication terminal device 4.SELECTED DRAWING: Figure 1

Description

The present invention relates to a contract management server that executes a contract related to a real estate property.

In recent years, a network environment including a telephone line and a wireless LAN line has been developed due to the improvement of communication technology, which enables browsing of real estate information on the Internet and inquiries via the Internet. In addition, a rental house management system has been proposed in which a server device on the Internet enables negotiations in a virtual space (see Patent Document 1).

JP, 2005-045964, A

By the way, in leasing or selling real estate properties, it is usual for the parties to be required to sign and affix the contract in order to confirm the agreement of the contract contents by the genuine parties. However, since the move-in application received by the intermediary is handed over to the borrower or the screening agency and it is judged whether or not the contract is accepted, the application details are entered again in the contract, so the procedure up to the creation of the contract is very complicated. there were. In addition, in recent years, real estate transfer contracts and rental contracts are often required from overseas, and in transactions with foreign countries, not only it takes time to make a contract that requires a signature seal between the parties, The procedure becomes complicated.

The present invention has been made in view of the above situation, and it is a technical object to provide a contract management server that eliminates the complexity of contract procedures relating to real estate properties.

The present invention is a database that stores property information about real estate properties, lender information about lenders of the real estate properties, borrower information about borrowers of the real estate properties, and contract information about contracts of the real estate properties, A contract management server comprising a communication interface that communicates with an external communication terminal device through a data communication network, and a calculation control unit that calculates based on various types of information, wherein the communication interface is a terminal operation for making a contract for the real estate property. An image in which the terminal operator himself and the identification card of the terminal operator are photographed by the imaging unit of the communication terminal device after receiving the input information input to the communication terminal device having the imaging unit by the person Upon receiving data, the arithmetic control unit authenticates the input information with the image data from the communication terminal device.

Further, the present invention is a database that stores property information related to real estate properties, lender information related to lenders of the real estate properties, borrower information related to borrowers of the real estate properties, and contract information related to contracts of the real estate properties. A contract management server comprising: a communication interface for communicating with an external communication terminal device through a data communication network; and a calculation control unit for performing calculation based on various kinds of information, and a call control for communication connection through a telephone communication network. While making a communication connection with a server through the data communication network, the arithmetic control unit reads out property information, lender information, and contract information corresponding to the property designated by the borrower's communication terminal device, and then reads the property information in the communication terminal device. When transmitting through the communication interface and receiving borrower information from the communication terminal device through the communication interface, after generating authentication key information and transmitting the authentication key information to the communication terminal device through the communication interface, It is received when the communication interface receives the authentication key information transmitted from the communication terminal device to the call control server via the telephone communication network from the call control server via the data communication network. When the authentication key information matches the authentication key information transmitted to the communication terminal device, the borrower information from the communication terminal device is authenticated.

In the contract management server, the communication terminal device has an image capturing unit, and receives image data captured by the image capturing unit or image data stored in the communication terminal device together with the borrower information at the communication interface. At the same time, the calculation control unit may fix the contract information based on the received image data and the authentication key information.

Further, the present invention is a database that stores property information related to real estate properties, lender information related to lenders of the real estate properties, borrower information related to borrowers of the real estate properties, and contract information related to contracts of the real estate properties. And a communication interface that communicates with an external communication terminal device through a data communication network, and a calculation control unit that calculates based on various information, wherein the communication interface relates to a contract of the real estate property. After receiving the input information input to the communication terminal device having the image capturing unit by the terminal operator who has received the notification describing the notification, the terminal operator captured by the image capturing unit of the communication terminal device and Upon receiving the image data of the notification, the arithmetic control unit authenticates the input information by the terminal operator and the image data of the notification.

According to the present invention, since the terminal operator photographed by the imaging unit and the input information transmitted by the image data of the identification card are authenticated, the contract management server receives the information from the communication terminal device through the data line network. The information that is a part of the contract information that has been signed can be reliably authenticated as authentic. Therefore, it is possible to reliably determine the authenticity of the party who has approved the contract, while omitting complicated procedures such as signing and stamping the contract in the real estate contract, and the party may be located in a remote place such as a foreign country. However, the contract can be easily concluded.

According to the present invention, the communication terminal device capable of identifying an individual is operated, and the authentication key information is transmitted to the contract management server through the telephone line network. Therefore, in the contract management server, the communication terminal device transmits data over the data line network. The borrower information, which is a part of the received contract information, can be reliably authenticated as authentic. Therefore, it is possible to reliably determine the authenticity of the party who has approved the contract, while omitting complicated procedures such as signing and stamping the contract in the real estate contract, and the party may be located in a remote place such as a foreign country. However, the contract can be easily concluded.

It is explanatory drawing which shows the structure of the real estate contract system in embodiment of this invention. It is a block diagram showing a configuration of a contract management server and a call control server in the real estate contract system. It is a block diagram which shows the structure of the communication terminal device in the real estate contract system. It is explanatory drawing which shows the communication operation at the time of the browsing of the real estate article by a borrower. It is explanatory drawing which shows a communication operation at the time of the application of a real estate property by a borrower. It is a flow chart which shows processing operation at the time of contract creation in a contract processing system. It is explanatory drawing which shows a communication operation at the time of a contractor's input of contract information. It is a flowchart which shows the processing operation of the borrower input phase in a contract processing system. It is explanatory drawing which shows a communication operation at the time of a contractor's input of contract information. It is explanatory drawing which shows the communication operation at the time of acquisition of a resident image. It is explanatory drawing which shows the communication operation at the time of the authentication of the input content by a borrower. It is a flow chart which shows the processing operation of the examination phase in a contract processing system. It is explanatory drawing which shows the communication operation at the time of the examination by the examination staff. It is explanatory drawing which shows the communication operation at the time of the authentication of the input content by the examiner. It is a flowchart which shows the processing operation of the guarantor input phase in a contract processing system. It is explanatory drawing which shows a communication operation at the time of the input of contract information by a joint guarantor. It is explanatory drawing which shows the communication operation at the time of the authentication of the input content by the joint guarantor. It is a flow chart which shows processing operation of a contract fulfillment confirmation phase in a contract processing system. It is explanatory drawing which shows the processing operation at the time of the first deposit by the borrower.

<Overall structure of real estate contract system>
A real estate contract system, which is an embodiment of the present invention, will be described below with reference to the drawings. In the following real estate contract system, a rental contract for a real estate property will be described as an example, but a real estate property sales contract in which the relationship between the lender and the borrower is changed to the relationship between the seller and the buyer may be used.

First, the overall configuration of the real estate contract system according to the present invention will be described. As shown in FIG. 1, the real estate contract system is a system configured on a communication network including a telephone communication network N1 and a data communication network N2. Note that, although the telephone communication network N1 and the data communication network N2 are illustrated as different networks in FIG. 1 and the like, they are schematically illustrated to simplify the description. That is, the telephone communication network N1 is a communication network composed of a public telephone line, a metal line, an optical fiber, and the like, and includes a base station that communicates with a mobile terminal device and an exchange that connects communication between the terminal devices. .. The data communication network N2 uses the same communication line as the telephone communication network N1, and can be mutually connected to the telephone communication network N1 having a different protocol by a gateway or the like.

The real estate contract system includes a contract management server 1 communicatively connected to the data communication network N2, a call control server 2 communicatively connected to the telephone communication network N1 and the data communication network N2, and communication operated by the lender. The terminal device 3, the communication terminal device 4 operated by the borrower, the communication terminal device 5 operated by the examiner, and the communication terminal device 6 operated by the joint guarantor (or joint debtor). It In the following description, a case where a joint guarantor is set in the contract processing of the real estate contract system will be described, but the same processing is performed when a joint joint debtor is set.

As shown in FIG. 2, the contract management server 1 has a data communication interface 101 communicatively connected to the data communication network N2, and a work area for storing various programs (applications) and data and temporarily saving the data. It has a memory unit 102 and a control unit (arithmetic control unit) 103 that controls the entire apparatus. Then, the contract management server 1 stores a plurality of databases DB1 to DB5 and a contract system program for supporting the creation of a contract in a real estate property rental contract in a recording medium that is a part of the memory unit 102. There is.

As shown in FIG. 2, the call control server 2 includes a telephone communication interface 201 that is communicatively connected to the telephone communication network N1, a data communication interface 202 that is communicatively connected to the data communication network N2, and various programs and data. And a memory unit 203 having a work area for storing data and temporarily saving data, and a control unit 204 for controlling the entire apparatus. Then, the call control server 2 stores a cloud API (Application Programming Interface) for call control and a database DB6 for specifying the contract management server 1 in a recording medium that is a part of the memory unit 203. ing.

As shown in FIG. 3, the lender's communication terminal device 3, like a personal computer or a tablet computer, has at least a data communication interface 301 communicatively connected to the data communication network N2 and a key for accepting an operation from the lender. Alternatively, an input interface 302 such as a button or a touch panel, an output interface 303 such as a display that displays an image or a text based on the data from the contract management server 1, a work of storing various programs and data and temporarily saving the data The communication terminal device includes a memory unit 304 having an area and a control unit 305 that controls the entire device. In the present embodiment, the communication terminal device 3 will be described by taking a personal computer that is communicatively connected to only the data communication network N2 as an example, but portable communication such as a smartphone or a mobile phone that is communicatively connectable to the telephone communication network N1. It may be a terminal device.

As shown in FIG. 3, the communication terminal device 4 of the borrower has a telephone communication interface 401 that is communicatively connected to the telephone communication network N1 and data that is communicatively connected to the data communication network N2, such as a smartphone or a mobile phone. Communication interface 402, an input interface 403 such as a key or button or a touch panel that accepts an operation from the borrower, an output interface 404 such as a display that displays an image or text based on the data from the contract management server 1, and a photograph and a moving image. A portable communication terminal device including an image capturing unit 405 capable of capturing images, a memory unit 406 having a work area for storing various programs and data and temporarily saving the data, and a control unit 407 for controlling the entire device. Composed of. It is assumed that the examiner's communication terminal device 5 and the joint guarantor's communication terminal device 6 are the same portable communication terminal devices as the borrower communication terminal device 4 described above.

In addition, in this embodiment, the contract management server 1 and the call control server 2 are configured as one computer, but a plurality of computers may be linked on a network. Further, in the present embodiment, a recording medium such as a hard disk or a flash memory for storing data or programs, a RAM for temporarily storing activated programs or data, and the like are integrated as memory units 102, 203, 304, 406. However, in reality, it is composed of a plurality of memories and recording media.

Further, as shown in FIG. 2, the contract management server 1 has, in the memory unit 102, a property database DB1 that stores property information, a lender database DB2 that stores lender information, and a borrower database DB3 that stores borrower information. A contract database DB4 that stores contract information and an examination database DB5 that stores examination staff information are stored. Further, the call control server 2 stores, in the memory unit 203, a server identification database DB6 for matching the telephone number of the contract management server 1 with the global IP address.

The property database DB1 is set for real estate properties such as the property identification number (property ID) numbered for each real estate property, the location of the real estate property specified by the property ID, the floor plan, and the occupied area. Rents, image data such as appearance photos, preview photos and floor plan images of real estate properties, electronic key information that changes with each contract, auto-lock number in the case of an apartment house, email for unlocking the mailbox The box unlock information is stored.

In addition, the property database DB1 stores the lender identification number (lender ID) assigned to each lender in the lender database DB2 for each registered real estate property for each real estate property. Has identified the lender. Further, the property database DB1 is assigned to each real estate property for which a contract has been concluded, the borrower identification number (borrower ID) numbered to each borrower in the borrower database DB3, and each borrower to the contract database DB4. By storing the contract identification number (contract ID) for each property ID, the contract of each real estate property is specified.

In the property database DB1, since information is stored for each real estate property (for each room in an apartment house), the contract management server 1 confirms the existence of the borrower ID or the contract ID in the property database DB1. , You can easily search for real estate properties that are not contracted. Further, the contract management server 1 can summarize the contract status of the real estate property for each lender by the lender ID, create a report on the current status of the contract of the real property owned by each lender, and notify each lender.

The lender database DB2 stores lender information such as the lender's name, address, and telephone number for each lender ID, contact information such as an email address to which data can be sent, and key information (password) for identifying the lender individual. I remember. The lender already registered in the lender database DB2 inputs the lender ID and key information set in the contract management server 1 into the communication terminal device 3 and transmits the lender ID and key information to the contract management server 1. Access to the contract management server 1 is permitted. On the other hand, the lender who is not registered in the lender database DB2 accesses the contract management server 1 via the communication terminal device 3, transmits the lender information and contact information to the contract management server 1, and requests the lender to register. Then, the lender ID and the key information are newly set in the contract management server 1 and transmitted to the communication terminal device 3. Note that, in the contract management server 1, credit card information such as the card number of the credit card of the lender may be registered, and the lender principal may be surely specified through a credit card company or the like.

The borrower database DB3, for each borrower ID, borrower information such as the borrower's name, address, and telephone number, contact information such as an email address to which data can be sent, and a telephone number assigned to the borrower's communication terminal device 4. , Key information for identifying the individual borrower, credit card information such as the card number of the borrower's credit card, payment history information about the rent payment history of the contracted real estate property, and various legal regulations such as breach of contract Violation history information regarding the violation of obligations, the property ID of the real estate property under contract with the borrower, and the contract ID are stored. Note that only one of the property ID and the contract ID may be stored in the borrower database DB3. In addition, the borrower whose property ID and contract ID are not stored in the borrower database DB3 indicates that the rental contract is uncontracted.

By storing payment history information and violation history information in the borrower database DB3, for example, when an already registered borrower newly rents a real estate property, the borrower's payment ability can be evaluated from the previous payment history information. From the violation history information, the creditworthiness of the borrower relating to the rental contract can be evaluated. Further, the contract management server 1 searches the borrower database DB3 for an uncontracted borrower, and refers to, for example, the property database DB1 based on the payment capability that can be confirmed from the payment history information of the uncontracted borrower. A list of recommended properties for the borrower may be created and transmitted to the communication terminal device 4 of the borrower.

The borrower already registered in the borrower database DB3 inputs the borrower ID and key information set in the contract management server 1 to the communication terminal device 4, and transmits the borrower ID and key information to the contract management server 1, Access to the contract management server 1 is permitted. At this time, the borrower inputs the property conditions of the real estate property desired by the borrower to the communication terminal device 4, and the property conditions are transmitted to the contract management server 1. Then, the contract management server 1 searches the property database DB1 for real estate properties that include property information that satisfies the received property conditions, and sends the searched list of dissimilar properties to the communication terminal device 4 as search result information. Thereby, the borrower can search for the real estate property to be contracted by browsing the search result information received by the communication terminal device 4.

When the borrower who is not registered in the borrower database DB3 accesses the contract management server 1 via the communication terminal device 4 and requests registration as the borrower, the borrower ID and key information are newly added in the contract management server 1. It is set and transmitted to the communication terminal device 4. At this time, the borrower transmits the borrower information, the contact information, the telephone number of the communication terminal device 4, and the credit card information to the contract management server 1 via the communication terminal device 4 to the contract management server 1. Thus, the data record for the borrower ID of the borrower in the borrower database DB3 is stored.

The contract database DB4 includes, for each contract ID, the property ID of the real estate property subject to the contract, the lender ID and the borrower ID of each of the lender and the borrower who are the parties to the contract, and the prohibited items, incidental equipment, and cancellation of the contract. Contract terms and conditions such as repairs and restoration of original condition, payment methods such as security deposit, key money, due date and rules for non-payment, special provisions set for each real estate property or borrower, name and address of resident, Resident information such as date of birth and relationship with the borrower (relationship), resident image data based on resident photos, guarantor information such as joint guarantor's name, address, and telephone number, and guarantor photos It stores guarantor image data and authentication key information for authenticating each of the borrower, the examiner, and the joint guarantor.

In the contract database DB4, a contract condition and a payment method template are stored in advance in accordance with the leased land renting law and the civil law, and the template is changed according to various legal revisions. By operating the communication terminal device 3 to communicate with the contract management server 1, the lender uses the template stored in the contract database DB4 to change its own contract conditions and payment method to the contract management server. Can be stored in 1. Further, the contract database DB4 stores various information such as contract conditions and payment methods, which are translated into a plurality of languages such as English, Chinese, and Korean, as well as Japanese. Thereby, for example, when the lender is Japanese and the borrower is a foreigner, not only the contract in Japanese but also the contract in the language of the foreigner of the lender can be created.

When the resident is the borrower himself, a photograph of the borrower is stored as the resident image data. Further, the resident information includes contact information such as the resident's mobile phone number and email address, and the guarantor information includes contact information such as the joint guarantor's email address and the communication terminal device 6. Contains the phone number of. Furthermore, the authentication key information is used when the contract management server 1 authenticates various information transmitted from each of the communication terminal devices 4 to 6, and is generated each time the authentication operation is executed. By doing so, it is possible to improve the security of information related to the contract. Further, each of the communication terminal devices 4 to 6 communicates with the call control server 2 and the authentication key information is transmitted to the contract management server 1, so that various information from the communication terminal devices 4 to 6 is authenticated. ..

Examiner database DB5 is, for each examiner identification number (assignment ID) assigned to each examiner, examiner information such as the examiner's name and affiliation, and an email address to which data can be sent. Information such as contact information, a telephone number assigned to the communication terminal device 5 of the examiner, and key information for identifying the individual examiner are stored. The examiner inputs the person-in-charge ID and key information set in the contract management server 1 into the communication terminal device 6 and sends the person-in-charge ID and key information to the contract management server 1 to access the contract management server 1. Is allowed.

The server identification database DB6 includes server identification information such as a global IP address in the contract management server 1, telephone numbers assigned (numbered) to the contract management server 1, and service contents selected by the contract management server 1. The API program created through the contract management server 1 is stored as one data record. When the call control server 2 receives the telephone number set in the contract management server 1 from the communication terminal devices 4 to 6 through the telephone communication network N1, it refers to the server identification database DB6 to make a contract on the data communication network N2. The management server 1 can be specified. Note that the API program is a program that combines codes in the cloud API for call control, and is stored in the server specifying database DB6 of the call control server 2 in the present embodiment. It may be stored in the memory unit 102 of the management server 1.

<Contract processing by real estate contract system>
Next, contract processing by the real estate contract system according to this embodiment will be described with reference to the drawings. The contract management server 1 starts the contract processing by the real estate contract system when the real estate property to be contracted is specified through the communication terminal device 4 of the borrower who is permitted to access the contract management server 1. The borrower's communication terminal device 4 sends the borrower ID and key information to the contract management server 1 for an authentication request, and the contract management server 1 authenticates the communication terminal device 4 so that the contract management server 1 Access is granted.

As shown in FIG. 4, when the borrower inputs desired property conditions through the input interface 403 according to the display on the output interface 404, the communication terminal device 4 communicates data with the contract management server 1 to which access is permitted. The input property conditions are transmitted from the data communication interface 402 connected to the network N2. At this time, for example, the control unit 407 has activated the browser application stored in the memory unit 406, displays the site page received from the contract management server 1 in the activated browser application, and describes in the site page. Enter the property conditions according to (Browse request).

When the contract management server 1 receives the property conditions in the data communication interface 101, the control unit 103 searches the property database DB1 in the memory unit 102 and creates a list based on the property information of the real estate property according to the received property conditions. The property list data is generated and the property list data based on the property list is transmitted from the data communication interface 101. Upon receiving the property list data via the data communication interface 402, the communication terminal device 4 causes the output interface 404 to display the property list based on the property list data. At this time, for example, the control unit 407 causes the running browser application to display the property list. Note that FIG. 4 shows an example in which one real estate property in the property list based on the property list data is displayed on the output interface 404 of the communication terminal device 4.

Then, as shown in FIG. 4 and FIG. 5, when the borrower operates the input interface 403 to designate and select the desired real estate property from the displayed property list, the control unit 407 determines that the contract target Information (property ID) relating to a real estate property to be a property is transmitted from the data communication interface 402 to the contract management server 1 together with the borrower ID of the borrower (application). In the example of FIG. 4, as a result, the touch panel that is the input interface 403 is operated by the borrower in the display area B1 of the application button that is displayed on the output interface 404, so that the real estate property that is the contract target property is changed. It is specified. The contract management server 1 starts the process (contract process) for the real estate rental contract regarding the contract target property applied by the borrower.

Hereinafter, the contract processing for the real estate property that is the contract target property will be described centering on the contract management server 1. As shown in FIGS. 5 and 6, in the contract management server 1, when the data communication interface 101 receives the property ID of the contract target property from the communication terminal device 4 and accepts the application from the borrower, the control unit 103 Then, referring to the property database DB1, the lender ID is specified from the received property ID (STEP1). At this time, the control unit 103 searches the lender database DB2 based on the identified lender ID and confirms contact information of the lender so that the lender database DB2 can be communicated with the lender's communication terminal device 3. Further, the control unit 103 acquires a new contract document ID and creates a new contract document record in the contract document database DB4 (STEP 2). At this time, the contract ID is stored in the corresponding property record in the property database DB1 and also in the corresponding borrower record in the borrower database DB3.

The control unit 103 searches the contract database DB4 based on the received property ID, reads the past contract conditions for the contract target property, and provisionally sets the contract conditions, payment method, special provisions, etc. (STEP 3). This provisionally set contract condition may be set in the same manner as the contract condition of the latest contract record, or may be set in the same manner as the contract condition of the set number of times from all contract records. .. At this time, the control unit 103, for the contract record newly created in the contract database DB4, together with the received borrower ID and property ID and the lender ID confirmed in STEP1, the contract conditions temporarily set in STEP3, payment Memorize method and covenants.

The control unit 103 refers to the property database DB1, the lender database DB2, and the borrower database DB3 on the basis of the property ID, the lender ID, and the borrower ID stored in the contract database DB4 to refer to the property information, the lender information, and the lender information. The contract information is created by acquiring the information and combining the provisionally set contract conditions, payment method, and special provisions with the property information, the lender information, and the borrower information (STEP 4). Then, the control unit 103 sends the contract information created in STEP 4 to the communication terminal device 4 specified by the lender's contact information (mail address) confirmed from the lender database DB2 based on the lender ID, from the data communication interface 101. Send (STEP 5).

As shown in FIG. 5, when the communication terminal device 3 receives the contract information by the data communication interface 301, the output interface (display) 303 displays the contract document based on the contract information. The lender confirms various information about the property (property information), various information about the borrower (borrower information), and the provisionally set contract conditions, payment method, and covenant clause from the contract displayed on the output interface 303. it can.

As shown in FIG. 7, when the lender adds or changes the contents of the contract displayed on the output interface 303, the lender operates the input interface (keyboard, mouse, etc.) 302 to add or change the information. Is input to the communication terminal device 4. That is, the lender can set a contract condition, a payment method, a covenant clause, etc. by referring to the contract displayed on the communication terminal device 4 by communication or a call with the borrower. Then, the lender inputs into the communication terminal device 4 the set contract conditions, payment method, special provisions, and the like. The information input by the lender to the communication terminal device 4 (lender input information) is transmitted from the data communication interface 301 to the contract management server 1 together with the contract ID through the data communication network N2.

If the property subject to the contract is the first contract, the contract conditions, the payment method, the special provisions, etc. are not provisionally set, and are set by being input to the communication terminal device 4 by the input interface 302. It If the contract conditions, payment method, special provisions, etc. are not changed from the temporary setting, an input indicating that there is no change is made through the input interface 302. Further, when the contract with the borrower is not established, the lender inputs the fact that the contract is not established to the communication terminal device 4 by operating the input interface 302, and manages the contract via the data communication network N2. The server 1 is notified that the contract has not been established together with the contract ID.

As shown in FIGS. 6 and 7, when the contract management server 1 receives the lender input information at the data communication interface 101 (Yes in STEP 6), the contract management server 1 updates the contract information in the contract database DB4 based on the lender input information. Yes (STEP 7). At this time, the control unit 103 identifies the contract record to be updated from the contract database DB4 from the contract ID received together with the lender input information by the data communication interface 101, and the contract information in the specified contract record is specified by the lender. Update according to the input information. After that, the contract processing by the contract management server 1 shifts to the borrower input phase (see FIG. 8) in which the borrower is requested to input into the contract.

On the other hand, as shown in FIG. 6, when the contract management server 1 receives the fact that the contract has not been established in the data communication interface 101 (No in STEP 6 and STEP 8), the contract management server 1 uses the contract ID received at the same time as the contract. The contract record in the contract database DB4 is specified, and the contract record together with the contract ID is deleted (discarded) from the contract database DB4 (STEP 9), and the contract processing operation is ended. That is, when the conditions presented by the lender and the borrower do not match due to communication or a call between the lender and the borrower and the contract is not established, the lender does not establish the contract with the contract management server 1 through the communication terminal device 4. Then, the temporary contract based on the contract record temporarily set in the contract database DB4 can be canceled. At this time, the contract ID stored in each of the property record in the property database DB1 and the borrower record in the borrower database DB3 is deleted.

As shown in FIGS. 7 and 8, the contract management server 1 transmits the updated contract information to the borrower's communication terminal device 4 after shifting to the borrower input phase after updating the contract information (STEP 7 in FIG. 6). (STEP 101). At this time, the control unit 103 of the contract management server 1 recognizes the borrower ID from the contract record in which the contract information is updated in the contract database DB4, and identifies the borrower by the borrower ID from the borrower database DB3. Then, the control unit 103 transmits the updated contract information from the data communication interface 101 to the communication terminal device 4 having the contact (mail address) of the borrower specified in the borrower database DB3.

As shown in FIG. 9, when the communication terminal device 4 receives the contract information at the data communication interface 402, the output interface (display) 404 causes the contract document based on the contract information to be displayed. The borrower confirms various information about the property (property information), various information about the lender (lender information), temporarily set contract conditions, payment method, and special provisions from the contract displayed on the output interface 303. it can. The borrower operates the input interface (touch panel, keyboard, or the like) 403 to input guarantor information to the communication terminal device 4 and, if the resident is not the borrower himself, the resident information described above. To do. The borrower input information input by the borrower through the input interface 403 is transmitted from the data communication interface 402 to the contract management server 1 together with the contract ID through the data communication network N2.

Note that, in order to simplify the description, in the present embodiment, the contract management server 1 directly transmits the contract information to the communication terminal device 4. However, for example, the contract management server 1 is a communication terminal device. 4, the mail including the page address (URL) regarding the contract information related to the borrower may be transmitted. At this time, when the borrower who operates the communication terminal device 4 specifies the page address included in the mail, the borrower ID and the key information for identifying the borrower are transmitted to the contract management server 1, thereby performing the contract management. The server 1 is permitted to access the contract information at the designated page address, and the communication terminal device 4 can receive the contract information.

As shown in FIGS. 8 and 10, when the contract management server 1 receives the borrower input information at the data communication interface 101 (Yes in STEP 102), the contract management server 1 receives the borrower input for the contract record in the contract database DB4. Information is additionally stored (STEP 103). That is, resident information and guarantor information based on the received borrower input information is added to the contract record in the contract database DB4. After executing the additional storage of the borrower input information to the contract database DB4, the control unit 103 sends a page requesting an image of the resident (resident image request page) from the data communication interface 101 to the communication terminal device 4. And transmits (STEP 104).

As shown in FIG. 10, when the communication terminal device 4 receives the resident image request page on the data communication interface 402, the communication terminal device 4 displays the resident image request page on the output interface 404. The resident image request page displayed on the output interface 404 displays, for example, a subject display area 451 that displays a shooting range of the imaging unit 405 and a button area 452 that operates the imaging unit 405. Then, the borrower who operates the communication terminal device 4 sets the shooting range of the image pickup unit 405 so that the resident can fit within the frame 453 shown in the subject display area, and touches the button area 452. As a result, the input interface 403, which is a touch panel, is operated, the resident is photographed by the imaging unit 405, and image data of a resident image (face photograph) is stored in the memory unit 406.

In this way, when the resident image is captured, the control unit 407 adds the contract ID to the resident image (image data) in the memory unit 406 and causes the data communication interface 402 to execute the contract management server. Send to 1. The resident image (image data) may be added with positioning information and time information by a GPS (Global Positioning System) satellite. As a result, the address and time when the image of the resident image was taken is confirmed, and whether the time when the image was taken is the current time or whether the taken address is the current address of the borrower The server 1 can confirm whether or not the operator of the communication terminal device 4 is the borrower himself. In addition to the image of the resident himself (face photo), the image of the resident's driver's license, insurance card, identification card such as passport, etc. shall be added to the resident image, The authenticity of the communication with the communication terminal device 4 may be checked more strictly. Furthermore, the resident image may be an image in which the resident person and an identification card are simultaneously captured.

As shown in FIG. 8 and FIG. 10, when the contract management server 1 receives the resident image (image data) from the communication terminal device 4 at the data communication interface 101 (Yes in STEP 105), the contract management database DB 4 responds. The received resident image (image data) is stored in the contract record (step 106). Then, the control unit 103 generates authentication key information (token) for authenticating the received borrower input information and the resident image (image data) (STEP 107). At this time, the control unit 103 stores the generated authentication key information in the corresponding contract record in the contract database DB4. After that, as shown in FIGS. 8 and 11, the control unit 103 displays a page (authentication screen page) as an authentication screen including the generated password and the telephone number (server telephone number) assigned to the contract management server 1. It is created and transmitted from the data communication interface 301 (STEP 108).

As shown in FIG. 11, when the communication terminal device 4 receives the authentication screen page on the data communication interface 402, the communication terminal device 4 displays the authentication screen page on the output interface 404. From the authentication screen page displayed on the output interface 404, the borrower recognizes the telephone number (server telephone number) to which the short message is transmitted and the authentication key information (token) to be transmitted. The borrower operates the input interface 403 to input the authentication key information to the communication terminal device 4, and then uses the short message function to send a short message including the authentication key information to the server telephone number. To send.

Accordingly, the communication terminal device 4 transmits a short message including the input authentication key information to the telephone communication network N1 from the telephone communication interface 401. At this time, the server telephone number that is the destination is transmitted prior to the transmission of the short message, so that the communication terminal device 4 can communicate with the call control server 2 by the exchange on the telephone communication network N1. It is said that. Therefore, the short message from the communication terminal device 4 is transmitted to the call control server 2 via the telephone communication network N1 together with the server telephone number and the telephone number (terminal telephone number) of the communication terminal device 4.

On the other hand, in the case of canceling the rental contract for the property subject to the contract, the borrower operates the input interface 403 to enter the reason for canceling the contract in the reason column 461 of the authentication screen displayed on the output interface 404. Touch the stop button 462. Accordingly, the communication terminal device 4 creates a short message in the text entered in the reason column 361 as the cancellation reason information, and together with the server telephone number and the telephone number (terminal telephone number) of the communication terminal device 4, the telephone communication interface. It transmits from 401 to the call control server 2.

When the call control server 2 receives the short message from the communication terminal device 4 at the telephone communication interface 201, it refers to the server identification database DB6 to confirm the IP address of the contract management server 1 corresponding to the server telephone number. To do. Then, the call control server 2 converts the authentication information in which the terminal telephone number is added to the information (authentication key information or cancellation reason information) included in the short message into a protocol capable of communicating on the data communication network N2. Convert it to the corresponding information. The call control server 2 transmits the authentication information corresponding to the protocol of the data communication network N2 from the data communication interface 202 to the contract management server 1 via the data communication network N2.

As shown in FIGS. 8 and 11, when the contract management server 1 receives the authentication information from the call control server 2 via the data communication network N2 at the data communication interface 101 (Yes in STEP 109), the authentication is performed. The borrower input information and the resident image (image data) are authenticated based on the usage information (STEP 110). In STEP 110, the authentication information includes the authentication key information, and the authentication key information in the authentication information matches the authentication information for the borrower stored in the corresponding contract record in the contract database DB4. When the terminal phone number in the authentication information matches the phone number of the communication terminal device 4 stored in the corresponding borrower record in the borrower database DB3, the control unit 103 receives the borrower input in STEP 102 and STEP 104, respectively. The information and the resident image (image data) are authenticated as information from the authentic borrower.

When the contract management server 1 authenticates the borrower input information and the resident image (image data) based on the authentication key information in the authentication information and the terminal telephone number (Yes in STEP 110), the corresponding contract database DB4 The lender's communication terminal device 3 and the borrower's communication terminal device 4 confirm that the borrower input information and the resident image (image data) stored in the contract record are confirmed, and that the input from the borrower to the contract is authenticated. Notify each of them (STEP111). As a result, the lender and the borrower can confirm that the input contents to the contract by the lender and the borrower have been confirmed, respectively. After that, the contract processing by the contract management server 1 shifts to the examination phase (see FIG. 12) in which the examination by the examination officer is executed.

When notifying that the input from the borrower to the contract has been authenticated, the contract management server 1 creates a document file of the contract based on the contract information in the confirmed contract record, and writes the document of the contract. The file may be sent to each of the lender's communication terminal device 3 and the borrower's communication terminal device 4 by mail, or the document file of the contract may be printed and mailed as a temporary contract.

Further, in the document file of the contract document, an identification code such as a bar code or a two-dimensional bar code based on the contract ID may be displayed. At this time, for example, by setting the communication terminal device 4 in a state in which it can communicate with the contract management server 1 and then reading the identification code on the printed contract by the imaging unit 405 of the communication terminal device 4, the identification code Then, the contract record corresponding to the contract ID can be accessed to notify the communication terminal device 4 of the progress of the current contract. In addition, by configuring the communication terminal device 3 to include the same image pickup unit as the communication terminal device 4, it is easy for the lender's communication terminal device 3 to make a contract progress based on the identification code on the contract. Can be notified.

As described above, the calculation control unit 103 in the contract management server 1 uses the property information corresponding to the property specified by the communication terminal device of the borrower, the lender information, and the property information corresponding to the property specified by the communication terminal device 4 of the borrower. The contract information is transmitted to the communication terminal device 4 through the communication interface 101. Then, when the borrower information is received from the communication terminal device 4 by the communication interface 101, the authentication key information is generated and the authentication key information is transmitted to the communication terminal device 4 through the communication interface 101. After that, when the communication interface 101 receives the authentication key information transmitted from the communication terminal device to the call control server 2 via the telephone communication network N1 from the call control server 2 via the data communication network N2, it is received. When the authentication key information matches the authentication key information transmitted to the communication terminal device 4, the borrower information (borrower input information) from the communication terminal device is authenticated.

As described above, since the communication terminal device 4 capable of identifying an individual is operated and the authentication key information is transmitted to the contract management server 1 through the telephone communication network N1, the contract management server 1 transmits data from the communication terminal device 4 to the contract management server 1. The borrower information, which is a part of the contract information received from the communication network N2, can be surely authenticated as authentic. Therefore, it is possible to reliably determine the authenticity of the party who has approved the contract, while omitting complicated procedures such as signing and stamping the contract in the real estate contract, and the party may be located in a remote place such as a foreign country. However, the contract can be easily concluded.

Further, the communication terminal device 4 has an image capturing unit 405, and the image data captured by the image capturing unit 405 or the image data stored in the communication terminal device 4 is received by the communication interface 101 together with the borrower information. Then, the arithmetic control unit 103 determines the contract information based on the received image data and the authentication key information.

On the other hand, when the contract management server 1 is non-authenticated based on the received authentication information (No in STEP110) and the number of non-authentications is less than N times (No in STEP112), STEP107. Then, the authentication key information is newly generated in order to execute the authentication process again. When the number of times of non-authentication is N times (Yes in STEP 112), the non-authentication signal is transmitted from the data communication interface 101 to the communication terminal device 4, so that the communication terminal device 4 receives The borrower is notified that it is not authenticated (STEP 113). At this time, the contract management server 1 deletes (discards) the borrower input information and the resident image (image data) stored in the corresponding contract record in the contract database DB4.

In the above example, the borrower input information and the resident image (image data) are stored in the contract database DB4 and then authenticated, but the borrower input is performed in an area different from the databases DB1 to DB5 in the memory unit 102. After temporarily storing the information and the resident image (image data), the information is stored in the contract database DB4 by authentication, while in the case of non-authentication, the borrower input information and the resident image (image data) that are stored positionally May be deleted (discarded).

After notifying the communication terminal device 4 of non-authentication, the contract management server 1 confirms whether or not the cancellation of the contract process (procedure cancellation) is instructed through the communication terminal device 4 (STEP 114). That is, when the contract management server 1 confirms the cancellation reason information from the received authentication information in the control unit 103, the contract management server 1 determines that cancellation of the contract processing (procedure cancellation) is instructed (YES in STEP 114), and the communication terminal The device 3 and the communication terminal device 4 are notified of cancellation of the contract processing from the data communication interface 101 (STEP 115). At this time, the control unit 103 stores the cancellation reason information in the corresponding contract record in the contract database DB4. In this way, by storing the cancellation reason information in the contract record, the lender confirms the reason why the contract is not established for each property, and in order to establish a future rental contract, the lender conditions and payment method. , Rent, special provisions, etc. can be reviewed.

Further, the contract management server 1 proceeds to STEP 114 and cancels the contract processing even when the borrower input information or the resident image (image data) is not received (No in STEP 102 or No in STEP 105). It is confirmed whether or not (procedure cancellation) is instructed through the communication terminal device 4. At this time, the reason column 461 and the cancel button 462 described above are displayed on the output interface 404 of the communication terminal device 4 together with the contract document based on the contract information, and the cancellation reason information is transmitted to the contract management server 1 via the data communication network N2. It may be directly transmitted.

As shown in FIG. 12, after the contract management server 1 notifies the borrower input information and the authentication result of the resident image (image data) (STEP 111 in FIG. 8), when it shifts to the examination phase, it refers to the examination database DB5. Then, the examiner who can examine is selected, and the contact information (email address) of the examiner is read (STEP 201). The contract management server 1 reads out the contract information to be examined from the contract database DB4 and transmits the contract information from the data communication interface 101 to the communication terminal device 5 of the examiner (STEP 202).

The examiner confirms the contents of the contract based on the contract information received by the communication terminal device 5 from the display on the output interface 404 of the communication terminal device 5 and examines the contract contents to ensure the guarantee by the guarantee company. Determine if it is possible. If the examiner determines that the guarantee can be guaranteed by the guarantee company, the examiner outputs a contract document based on the contract information received by the communication terminal device 5, transmits the contract document by a communication device such as a facsimile, and sends the contract details to the guarantee company. To notify. Note that the contract information itself of the communication terminal device 5 may be transmitted to the communication terminal device of the guarantee company by e-mail or the like to notify the contract content.

On the other hand, as shown in FIG. 13, when the examiner determines that the guarantee by the guarantee company is difficult, the examiner examines whether or not the joint guarantor can guarantee. When the examiner confirms the address of the joint guarantor from the contract information displayed on the communication terminal device 5, the examiner prints out a postcard (guarantee postcard) containing the contract content confirmed from the contract information, and the joint guarantor. Mail to. That is, the guarantee content postcard is transmitted to the joint guarantor as a notice in which a notice relating to the contract of the real estate property is described. The warranty content postcard not only has the contract content printed thereon, but also has the page address (URL) of the approval page for confirming that the joint guarantor has approved the warranty content. Furthermore, the guarantee postcard may be printed with an ID and key information for permitting access to the approval page in the contract management server 1. The guarantee postcard may include credit information of the borrower investigated by the examiner.

The examiner mails the warranty postcard to the joint guarantor, and then calls the joint guarantor via the communication terminal device 6 using the telephone function of the communication terminal device 5, thereby confirming whether or not the contract content can be guaranteed. , Confirm the intention of the guarantor. The data communication function of the communication terminal device 5 confirms the intention of the joint guarantor as to whether or not the contract content can be guaranteed by executing communication with the communication terminal device 6 by e-mail or instant messenger. May be The examiner also stores the contents of the call and the communication with the joint guarantor in the memory unit 406 of the communication terminal device 5. Further, although the guarantee content postcard is to be mailed to the joint guarantor, a mail in which the page address of the approval page is added to the contract content information is transmitted from the communication terminal device 5 to the communication terminal device 6, and the guarantee content is jointly signed. The guarantor may be notified.

As described above, when the guarantee by the guarantor is confirmed, the examiner sends the information about the guarantor from the communication terminal device 5 to the contract management server 1, while calling or communicating with the joint guarantor. When the intention of the joint guarantor is confirmed, the confirmed joint guarantor's intention is transmitted from the communication terminal device 5 to the contract management server 1 together with the call contents and communication contents. At this time, the examiner sends the contract ID by specifying the contract information by sending the contract ID and the key information to the contract management server 1 while permitting access to the contract management server 1. At the same time, the examination result based on the information about the guarantee company or the information on the intention of the joint guarantor is transmitted to the contract management server 1.

It is assumed that the examiner mails the guarantee details postcard to the joint guarantor, but the examiner makes a contract with the joint guarantor by communication or telephone communication between the communication terminal device 5 and the communication terminal device 6. The contract content confirmed from the information may be notified. Further, the examiner may notify the joint guarantor of the credit information of the borrower examined by the examiner. The joint guarantor notifies the examiner of the intention of the joint guarantor by confirming the contract content or the like by communication or communication between the communication terminal device 5 and the communication terminal device 6. When the information relating to the will of the joint guarantor is acquired in this way, the above-mentioned examination result is transmitted to the contract management server 1.

As shown in FIGS. 12 and 14, when the contract management server 1 receives the examination result transmitted from the communication terminal device 5 by the data communication interface 101 (Yes in STEP 203), the corresponding contract in the contract database DB4. The received examination result is stored in the call record (STEP 204). After that, as in the borrower input phase, after generating the authentication key information (token) in order to authenticate the examiner who operates the communication terminal device 5 (STEP 205), the authentication screen page including the authentication key information and the server telephone number is displayed. , From the data communication interface 101 to the communication terminal device 5 (STEP 206).

After receiving and displaying the authentication screen page, the communication terminal device 5 accepts the input of the authentication key information by the examiner, and then sends a short message including the input authentication key information to the telephone communication network N1. It transmits to the call control server 2 via. When the call control server 2 receives the short message from the communication terminal device 5 at the telephone communication interface 201, the call control server 2 converts the short message to authentication information corresponding to the protocol of the data communication network N2, and then via the data communication network N2. It is transmitted to the contract management server 1.

When the contract management server 1 receives the authentication information from the call control server 3 via the data communication network N2 (YES in STEP 207), the contract management server 1 authenticates the examination result based on the authentication information (STEP 208). At this time, the authentication key information in the authentication information matches the authentication information for the examiner stored in the corresponding contract record in the contract database DB4, and the terminal telephone number in the authentication information is When the telephone number of the communication terminal device 5 stored in the corresponding examination record in the examination database DB5 matches, the control unit 103 authenticates the examination result received in STEP 204 as information from the authentic examination person. To do.

When the contract management server 1 authenticates the examination result based on the authentication key information in the authentication information and the terminal phone number (YES in STEP 208), the examination result stored in the corresponding contract record in the contract database DB4. Is confirmed, and the fact that the examination result is authenticated is notified to the communication terminal device 5 of the examiner (STEP209). Then, if the examination result is a guarantee by the guarantee company (Yes in STEP 210), the information of the guarantee company is stored in the corresponding contract record in the contract database DB4 (STEP 211). After that, the contract management server 1 notifies the lender's communication terminal device 3 and the borrower's communication terminal device 4 of a notice (OK notice) that the guarantee by the guarantee company has been approved (STEP 212), and the borrower's first payment. A contract fulfillment confirmation phase (see FIG. 18) for confirming that the above has been performed is entered.

The contract management server 1 shows the result of the examination regarding the guarantee by the joint guarantor (No in STEP 210). If the guarantee by the joint guarantor is approved (Yes in STEP 213), it is confirmed that the guarantee by the joint guarantor is approved. Notification (OK notification) is sent to each of the lender's communication terminal device 3 and the borrower's communication terminal device 4 (STEP 214), and the guarantor input phase (see FIG. 15) is requested to request the joint guarantor to transmit necessary information. To do.

On the other hand, when the guarantee by the joint guarantor has not been approved (No in STEP 213), a notification (NG notification) that the guarantee by the joint guarantor has not been approved is sent to the lender's communication terminal device 3 and the borrower's communication terminal device. 4 is notified (STEP215). Then, the contract management server 1 stores the unapproved result in the corresponding contract record in the contract document database DB4 (STEP 216), and then ends the contract process.

Further, the contract management server 1 is based on the received authentication information, when it is unauthenticated (No in STEP 208) and when the number of times of non-authentication is less than N times (No in STEP 217), STEP 205. Then, the authentication key information is newly generated in order to execute the authentication process again. On the other hand, when the number of times of non-authentication is N times (Yes in STEP 217), the examiner is notified of non-authentication through the communication terminal device 5 (STEP 218). Then, the contract management server 1 refers to the examination database DB5, selects another examiner who can examine, reads the contact information of the examiner (STEP 219), and obtains the contract information to be examined. It is transmitted (STEP 202).

As shown in FIGS. 15 and 16, the contract management server 1 notifies that the guarantee by the joint guarantor has been approved (STEP 214 in FIG. 12 ), and shifts to the guarantor input phase. The contact (mail address) of the joint guarantor is acquired from the corresponding contract record (STEP 301), and an approval confirmation page for confirming the approval of the guarantee is transmitted to the communication terminal device 6 of the joint guarantor (STEP 302). The joint guarantor can confirm the procedure necessary for confirming the approval of the warranty by the display content of the approval confirmation page received by the communication terminal device 6.

Note that, in order to simplify the explanation, in the present embodiment, the contract management server 1 directly transmits the approval confirmation page to the communication terminal device 6. However, for example, the contract management server 1 communicates with the communication terminal device 6. A mail including the page address (URL) of the approval confirmation page may be transmitted to the device 6. At this time, the joint guarantor operating the communication terminal device 6 transmits the guarantor ID specifying the joint guarantor and the key information to the contract management server 1 when the page address included in the mail is designated. As a result, access to the contract management server 1 is permitted, and the communication terminal device 6 displays the approval confirmation page.

According to the content of the approval confirmation page displayed on the communication terminal device 6, the joint guarantor uses the image capturing unit 405 to capture an image of the joint guarantor (face photo), an image of an identification card (certificate photo), and a guarantee content postcard. Image (notification notice photo) is taken, and an approval image (image data) obtained by combining these face photograph, certificate photograph, and notice photograph is transmitted to the contract management server 1 from the data communication interface 402. The approval image may be an image of the joint guarantor (face photo), an image of an identification card (certificate photo), and an image of the guarantee postcard (notification photo). , May be taken separately. Further, as the notice, the guarantee content postcard sent by mail is used, but it may be a document file or mail document sent by electronic mail, or a facsimile document sent by facsimile. When a document file, a mail document, or a facsimile document is used as the notice, the photograph of the printed notice is taken as the notice photograph.

As shown in FIGS. 15 and 17, when the contract management server 1 receives the approval image (image data) from the communication terminal device 6 (YES in STEP 303), the contract management server 1 stores the received approval image (image data) in the contract database DB4. It is stored in the corresponding contract record in (STEP 304). At this time, positioning information and time information by a GPS (Global Positioning System) satellite may be added to the approval image (image data) as in the above-mentioned resident image (image data). After that, the contract management server 1 generates the authentication key information (token) for authenticating the approval image (image data), and transmits the authentication screen page to the communication terminal device 6, as in the borrower input phase of FIG. (STEP305 to STEP306).

Then, the contract management server 1 receives the authentication information from the communication terminal device 6 via the call control server 2, and then the authentication result based on the authentication information is used by the lender's communication terminal device 3 and the borrower's communication terminal. The device 4 and the communication terminal device 6 of the joint guarantor are notified (STEP307 to STEP313). At this time, when the contract management server 1 authenticates the approval image (image data) based on the authentication key information in the authentication information and the terminal telephone number (Yes in STEP 308), the approval image (image data) is approved. After notifying the fact (STEP309), the contract shift confirmation phase (see FIG. 18) is entered.

As shown in FIG. 18 and FIG. 19, when the contract management server 1 shifts to the contract fulfillment confirmation phase, the contract management server 1 confirms by communication from the credit card company 10 whether or not the credit card is deposited by the borrower (STEP 401). ). When the contract management server 1 confirms payment by the borrower by e-mail from the credit card company 10 (Yes in STEP 401), the contract management server 1 generates electronic key information and mailbox unlock information of the target real estate property, and the property database It is stored in the corresponding property record in DB1 (STEP 402).

Then, the generated electronic key information and mailbox unlock information and the auto lock number are read from the corresponding property record in the property database DB1 and transmitted to the borrower's communication terminal device 4 (STEP403). As a result, the communication terminal device 4 executes close proximity wireless communication such as Bluetooth (registered trademark) with the electronic key of the real estate property, and transmits the stored electronic key information to the electronic key. Perform unlocking and locking. Further, by confirming the mailbox unlock information and the auto lock number received by the communication terminal device 4, and by using the mailbox unlock information and the auto lock number, the mailbox of the target real estate property and the auto lock of the building are locked. Can be unlocked.

When the resident is not the borrower himself, the borrower transfers the electronic key information and the mailbox unlock information received by the communication terminal device 4 and the auto lock number to the resident. Further, in the present embodiment, the real estate property is provided with the electronic key, but when the real property property is provided with the key, the real estate property key, the mailbox unlocking information and the auto lock number are the borrower or the resident. Be mailed to or handed to you by the lender.

Then, the contract management server 1 creates a document file of the contract document based on the contract information in the corresponding contract record in the contract database DB4 as the contract document in which the contract between the lender and the borrower has been established, and the lender , The borrower and the joint guarantor are transmitted to the respective communication terminal devices 3, 4, and 6 (STEP 404), and the contract processing ends. Further, the contract management server 1 notifies the communication terminal devices 3, 4, 6 of the lender, the borrower, and the joint guarantor to cancel the contract when the payment by the borrower exceeds the due date (No in STEP 405). Is performed (STEP 406). Then, the contract management server 1 stores information indicating that there is no payment in the corresponding contract record in the contract database DB4 (STEP 407), and terminates the contract process in the state where the contract is canceled.

After the contract is concluded, the contract management server 1 may communicate with the credit card company 10 to receive the payment from the borrower and the payment date, and store it in the corresponding contract record in the contract database DB4. .. As a result, when the borrower who has already made a lease contract once makes a lease contract for another real estate property, the contract management server 1 stores the payment status stored in the contract record relating to the previous lease contract of the borrower. Based on the, you can conduct a credit check of the borrower.

As described above, the contract management server 1 according to the present embodiment, the property information regarding the real estate property, the lender information regarding the lender of the real estate property, the borrower information regarding the borrower of the real estate property, and the contract regarding the contract of the real estate property. Databases DB1 to DB5 that store information, a communication interface 101 that communicates with external communication terminal devices 3 to 6 through the data communication network N2, and a calculation control unit 103 that calculates based on various information. The contract management server 1 is communicatively connected to the call control server 2 which is communicatively connected via the telephone communication network N1 and the data communication network N2. The arithmetic control unit 103 reads out the property information, the lender information, and the contract information corresponding to the property designated by the communication terminal device 4 of the borrower, and transmits the property information, the lender information, and the contract information to the communication terminal device 4 through the communication interface 101. When the borrower information is received from the communication terminal device 4, the authentication key information is generated and the authentication key information is transmitted to the communication terminal device 4 through the communication interface 101. Thereafter, when the communication interface 101 receives the authentication key information transmitted from the communication terminal device 4 to the call control server 2 via the telephone communication network N1, when receiving from the call control server 2 via the data communication network N2, the authentication key information is received. When the obtained authentication key information matches the authentication key information transmitted to the communication terminal device 4, the borrower information from the communication terminal device 4 is authenticated.

Further, in the contract management server 1 according to the present embodiment, the communication interface 101 is input to the communication terminal devices 4 and 6 having the image capturing unit by the terminal operator who has received the notification in which the notification relating to the contract of the real estate property is received. When the image data of the terminal operator and the notification image captured by the image capturing unit 405 of the communication terminal devices 4 and 6 is received after the received input information is received, the arithmetic control unit 103 outputs the input information to the terminal operator and the notification. Authenticate with the image data of the call.

In the present embodiment, the information transmitted from the communication terminal devices 4 to 6 of the borrower, the examiner, and the joint guarantor to the contract management server 1 is authenticated by the authentication key information and the terminal telephone number. However, instead of the terminal telephone number, other unique numbers for identifying the borrower, the examiner, and the joint guarantor, such as PIN (Personal Identification Number) codes provided in the communication terminal devices 4 to 6, are used. It does not matter which one is used.

1 Contract Management Server 2 Call Control Server 3 Communication Terminal Device (Lender)
4 Communication terminal equipment (borrower)
5 Communication terminal equipment (examiner)
6 Communication terminal equipment (joint guarantor)
10 Credit card company DB1 Property database DB2 Lender database DB3 Borrower database DB4 Contract database DB5 Examination database DB6 Server identification database

Claims (2)

A database that stores property information related to the real estate property, lender information related to the lender of the real estate property, borrower information related to the borrower of the real estate property, and contract information related to the contract of the real estate property, and an external communication terminal A contract management server comprising a communication interface for communicating with a device through a data communication network, and a calculation control unit for calculating based on various information,
After the communication interface receives input information input to a communication terminal device having an image capturing unit by a terminal operator who makes a contract for the real estate property, the image capturing unit of the communication terminal device is used to communicate with the terminal operator himself. When the image data of the terminal operator's identification card and the photographed image data is received,
The contract management server, wherein the arithmetic control unit authenticates the input information by the image data from the communication terminal device. A database that stores property information related to the real estate property, lender information related to the lender of the real estate property, borrower information related to the borrower of the real estate property, and contract information related to the contract of the real estate property, and an external communication terminal A contract management server comprising a communication interface for communicating with a device through a data communication network, and a calculation control unit for calculating based on various information,
While making a communication connection through the data communication network with a call control server that makes a communication connection through a telephone communication network,
The arithmetic control unit,
Property information corresponding to the property specified by the communication terminal device of the borrower, lender information, and contract information are read and transmitted to the communication terminal device through the communication interface,
When receiving borrower information from the communication terminal device via the communication interface, after generating authentication key information and transmitting the authentication key information to the communication terminal device through the communication interface,
It is received when the communication interface receives the authentication key information transmitted from the communication terminal device to the call control server via the telephone communication network from the call control server via the data communication network. A contract management server, which authenticates the borrower information from the communication terminal device when the authentication key information matches the authentication key information transmitted to the communication terminal device.

Images