JP6249580B2 - Warranty support system and warranty support method - Google Patents

Description

  The present invention relates to a guarantee support system that makes it possible to give a guarantee in advance before renting a rental property, for example, in the case of renting a real estate.

  When an individual who wishes to move (hereinafter referred to as a person who wishes to move) moves from a current residence to a new rental property, the following flow is generally followed. The person who wishes to move first decides the room conditions based on his / her personal senses, and searches for rental properties based on that. Recently, due to the widespread use of the Internet environment, it has become less common to consider properties while visiting real estate companies or looking at rental leaflets, etc., and searching for rental properties by searching on the Internet has become the mainstream. It has become to. When you find one or more favorite properties, contact the real estate company, conduct an internal inspection (site visit), and if you want to move in, apply for a lease. In that case, a guarantee (residential examination) procedure is required. Thus, a lease contract is concluded only when there is no problem in the guarantee examination result or when a joint guarantor is established even if there is a problem. Thereafter, those who wish to move make arrangements for moving and move on a predetermined date. In this way, it is not limited to individuals who wish to move, but if an individual intends to rent a new rental property by entering or joining a company, or renting a building or apartment, etc. for the purpose of entering a corporation or moving a store or office Similarly, guarantee procedures are required when renting a property.

  However, since a person who wishes to relocate usually applies for a guarantee service after deciding on a rental property, he / she must be worried whether the warranty review will pass at the stage of looking for a rental property. If there is a problem with the ability or a guarantor cannot be established, the warranty review will not pass and the guarantee will not be received. There is a need to search for another rental property that may receive a warranty service and start from the beginning. For those who wish to move, not only does it take a long time to search for the desired rental property, but there is a problem in that it is necessary to redo the guarantee screening every time they move, which increases the cost burden.

  On the other hand, real estate brokerage companies have to guide the property without knowing whether the guarantee review passes, and if the guarantee review does not pass, not only will the work increase, but if the rental property changes, the guarantee review will be conducted again. There is a problem that the business becomes inefficient for the real estate agency. In addition, for real estate management companies, the occupancy procedure is not completed until the guarantee screening is passed, and it is necessary to report the status to the rental property owner. Furthermore, there is a problem for a guarantee company (rent guarantee company) that if the guarantee examination is not passed, not only will the business work increase and the profit will not increase, but there will also be cases where the real estate company is forced to guarantee.

  Conventionally, several proposals have been made for the purpose of improving the efficiency and support of the guarantee procedure as described above (see, for example, Patent Documents 1 to 3). Among them, the proposal described in Patent Document 1 is a guarantee support having a guarantee entity that introduces a guarantee underwriter to a client who is requested for guarantee by a guarantee requester when a contract requiring a guarantor is concluded. It is about the system. In this guarantee support system, the guarantee entity gives an identification code to the requester if conditions such as an application including information (name, address, telephone number, etc.) requested from the requester are satisfied. An identification code assigning means, a guarantee underwriter information providing means for providing information on the guarantee underwriter to the client by passing the examination of the guarantee entity, and a guarantee provided by the guarantee underwriter information providing means Intermediary means for mediating between the guarantee underwriter selected by the requester from the information on the underwriter and the client is provided.

  In addition, the proposal described in Patent Document 2 is that the borrower can rent a desired property by checking whether or not he / she has the payment ability on the spot when looking at the property information without looking for the guarantor himself. The present invention relates to a rental information processing apparatus that can know whether or not. This mechanism is configured to be able to communicate with the center of a credit card company that performs credit card authentication and payment processing, and is a device that performs processing when a borrower makes a contract for a real estate rental property. Receive the property information including at least the rent of the desired rental property and the borrower's credit card information and calculate the guarantee amount for the institution guarantee for the rental property from the total rent of the received rental property. When the credit card information and the calculated guarantee amount are sent to the credit card company's center and an authentication request is made as to whether payment is possible or not, the institution receives a notification from the above center that payment by credit card is possible It is configured to notify that the guarantee is possible.

  Further, the proposal described in Patent Document 3 relates to a real estate rental business support system that prevents arrears from rent payments in advance and supports a smooth relocation while securing an opportunity for acquiring prospective customers. In this support system, in accordance with a search request for a move-to candidate for a tenant (who wants to move) with the designation of a rent payment ability rank, the rental property information associated with the rent rank is assigned to the rent payment ability rank. In accordance with the request to estimate the resident's relocation expenses with the property information specified for the new property, the amount forecast information for the transported goods at the time of the move associated with the floor plan information will be presented. The moving cost is determined from the moving distance obtained based on the location information of the rented property and the rented property, and the resident is moving in from this cost and the various expenses necessary for moving into the new property. The initial cost required to move from a rental property to a new property is calculated.

  In the present specification, the term “rental property” is not limited to the above-mentioned residence, store, or office, and parking lots, factories, warehouses, and the like are also included in the rental property.

JP 2007-140668 A JP 2007-213515 A JP 2012-221113 A

However, all of the proposals described in the above patent documents are based on the premise that the person who wishes to move or the borrower has found the desired rental property (there is a state with a rental property). If the guarantee cannot be obtained, the applicant will need to find a new rental property and re-examine the guarantee. In addition, if the guarantee review fails, the real estate brokerage company, the property management company, and the guarantee company (rent guarantee company) need to redo the guarantee review, and inefficient operations are inevitable. In other words, none of the proposals described in each of the patent documents described above solves the problem in the series of guarantee procedures described in the background art.

In order to solve the problems of the above-mentioned applicants who wish to move, a real estate brokerage company, a real estate management company and a guarantee company, the guarantee process is performed before the applicant wishes to move to a specific rental property. The present invention has been completed by intensive studies under the thought that it is necessary to perform the above.
That is, an object of the present invention is to provide a guarantee support system and a guarantee support method that can provide a guarantee service in a guarantee company in advance prior to determination of a rental property as a moving destination.

According to one aspect of the present invention, the object is to connect with an applicant terminal operated by an applicant through an Internet network and obtain an applicant information inputted by the applicant, and a guarantee. An identification code generation unit that generates an identification code in response to a request from the warranty assessment determination unit and returns the identification code to the warranty assessment determination unit; and an output unit, and the warranty assessment determination unit includes the application To determine the appropriate rent after reviewing the person's information in accordance with the examination standard data acquired in advance from the guarantee company, and to determine whether or not the guarantee can be guaranteed if the appropriate rent is increased or decreased, and if the guarantee is possible, obtain the reference guarantee fee, The identification code generation unit is requested to generate the identification code, and the identification code returned from the identification code generation unit is related to the applicant together with the appropriate rent and the reference guarantee fee when the guarantee is possible. Put in the feed to the output unit, the output unit is achieved by guaranteed support system characterized in that it is configured to send out the contents accepted from the assurance examination determination unit.

The examination in the guarantee examination determination unit uses the total evaluation score obtained by summing up the evaluation results obtained by comparing the applicant data with the examination standard data, and the appropriate rent is the application The person information and the appropriate rent evaluation table in the examination standard data can be determined by collating. As a result of the determination as to whether or not the guarantee is possible, a part of the applicant information in which the appropriate rent and the reference guarantee fee and the identification code associated therewith can be stored in the storage unit, and then the determination result can be guaranteed. and said identification code Ru can be configured to subscribers stored in the storage unit to obtain a.

According to another aspect of the present invention, the object is connected to an applicant terminal operated by the applicant through an Internet network, and an input step of acquiring applicant information input by the applicant; A warranty examination determination process, an identification code generation process for generating an identification code and returning the identification code to the warranty examination determination process , and an output process. The warranty review determination process obtains the applicant information from a guarantee company in advance. The appropriate rent is obtained after reviewing according to the examination standard data, and the guarantee of the guarantee when the appropriate rent is increased or decreased is examined to obtain the reference guarantee fee, and the generation of the identification code is requested in the identification code generation step. The identification code returned from the identification code generation step and the result of the determination are associated with the applicant and sent to the output step, and the output step is accepted from the warranty review determination step. It is achieved by guaranteed support method, wherein a content is configured to transmit output.

The guarantee examination determination step is to sum up the evaluation results evaluated by comparing the applicant information with the examination standard data to obtain a total evaluation score, to examine using the total evaluation score, and to apply the applicant information And the appropriate rent evaluation table in the examination criteria data can be configured to obtain the appropriate rent. The result of determination on whether or not the guarantee is possible and the identification code associated therewith are stored in a storage unit, and then a part of the applicant information and the identification code for which the result of the determination can be guaranteed The registrant stored in the storage unit can be configured to obtain .

  According to still another aspect of the present invention, the object is further achieved by a program for executing the warranty support method.

  According to the guarantee support system and the guarantee support method of the present invention, an appropriate rent is obtained in advance based on the applicant's input items (applicant information) from the applicant terminal, and the guarantee when the appropriate rent is increased or decreased Since it is determined whether or not it is possible, and further, a reference guarantee fee is obtained and the determination result is notified to the applicant, the applicant can confirm whether or not the guarantee is possible before examining the conditions when searching for a rental property.

  In addition, according to the guarantee support system and the guarantee support method of the present invention, the applicant can obtain information on the appropriate rent, whether the guarantee is based on the appropriate rent, and the reference guarantee fee. In addition to searching for rental properties based on the maximum rent and confirming the location, you can apply for a guarantee service from a guarantee company (without requiring a property occupancy examination). As a result, applicants will be able to find and move rental properties more smoothly, and the real estate brokerage company will be able to reduce the time and effort of dealing with those who want to move from the beginning. Labor saving and efficiency can be achieved. In addition, since applicants (such as those who wish to move) and brokerage companies can communicate with each other using identification codes and judgment results, it is possible to provide appropriate services related to real estate and other information to applicants via the Internet. It becomes.

It is a block diagram which shows roughly the hardware structural example of the guarantee assistance system of this invention. It is a block diagram which shows roughly the example of a function structure of the guarantee assistance apparatus shown in FIG. It is a flowchart explaining an example of the guarantee assistance method of this invention. It is a flowchart explaining an example of the examination determination method in the guarantee examination determination part in case the applicant is an individual among the guarantee assistance methods of this invention. FIG. 4B is a flowchart for explaining an example of a screening determination method in the warranty screening determination unit, following FIG. 4A. FIG. 4B is a flowchart for explaining an example of a screening determination method in the warranty screening determination unit, following FIG. 4B. It is a flowchart which shows an example of reference guarantee fee calculation when the guarantee plan of a registration guarantee company is applied. It is a figure explaining an example of guarantee plan distribution to the applicant in FIG. 4D. It is a figure which shows an example of the calculation result according to the flowchart shown to FIG. 4D. It is a flow figure explaining an example of the examination judgment method in the guarantee examination judgment part in case the applicant is a corporation among the guarantee support methods of the present invention. It is a flowchart which shows the flow until it carries out the guarantee contract after it is judged that an applicant is guaranteeable by implementing the guarantee assistance method of this invention.

  Next, an embodiment of a warranty support system and a warranty support method according to the present invention will be described in detail with reference to the accompanying drawings.

Warranty Support System of the Present Invention FIG. 1 is a block diagram schematically showing a hardware configuration example of a warranty support system of the present invention. As shown in this figure, the warranty support system 1 of this embodiment includes a warranty support device 5, an applicant terminal 12, a warranty company terminal 13, an intermediary company terminal 14, and a management connected to the warranty support device 5 via the Internet network 11. The user terminal 15 is substantially configured. Here, the brokerage company terminal 14 means a terminal of a real estate brokerage company, but is not limited to a real estate brokerage company, and may be, for example, a terminal of a real estate management company (management company terminal).

  As shown in FIG. 1, the guarantee support device 5 mainly includes an input unit 6, an output unit 7, a calculation control unit 8, a storage unit 9, and an internal bus 10. As such a guarantee support apparatus 5, a general-purpose personal computer, a tablet terminal, a smart phone, etc. are mentioned. These may be stand-alone terminals, or may be client terminals connected to a server via a telecommunication means (not shown) in a client / server system. In the latter case, the storage unit 3 includes a storage unit (not shown) provided on the server side. Note that the internal bus 4 has a function that allows the units other than the above, that is, the input unit 6, the output unit 7, the arithmetic control unit 8, and the storage unit 9 to be connected to each other to exchange signals. The guarantee support device 5 may be provided in the guarantee company and managed by the company, for example, may be installed in a separate server operating company.

  The input unit 6 accepts various data transmitted from the applicant terminal 12, the guarantee company terminal 13, and the brokerage company terminal 14 to the guarantee support device 5.

  Through this, the output unit 7 displays various formats and data based on the instruction signal from the arithmetic control unit 8 on the display (not shown) of the applicant terminal 12, the guarantee company terminal 13, the brokerage company terminal 14, and the administrator terminal 15. It is displayed or printed by a printer (not shown) connected to these terminals as necessary. Various formats include output screens that allow the applicant to enter applicant information. Examples of the display include a liquid crystal monitor and a projector. The output unit 7 is configured to output each selected target person information. In this embodiment, the image is displayed on the display and printed by the printer. However, the output method is not limited to these, and another method may be used.

  The arithmetic control unit 8 performs various controls on each unit by a CPU or the like. The arithmetic control unit 8 is configured by an arithmetic control device including a CPU, MPU, ROM and the like in hardware. The arithmetic control unit 8 executes a startup program stored in the ROM after the information providing apparatus of the present invention is turned on, and stores an operating system (OS), various processing drivers, and the present invention stored in the storage unit 3. A program for executing the warranty support method and various data are read into the RAM, which is the main storage device, and the display information expanded in the RAM is output to the applicant terminal 12 through the output unit 7, Output to a printer of the terminal 12 or the like. In the present embodiment, the arithmetic control unit 2 also has functions of a guarantee examination determination unit 22, an identification code generation unit 23, and a display control unit 26, as shown in FIG. Each of these functional units will be described later. Note that the program and various data for executing the information providing method of the present invention may be stored in a recording medium such as a CD-R or a DVD-R. Accordingly, the recording medium can be stored in the storage unit 3 as necessary.

  The storage unit 9 temporarily or permanently stores and stores programs executed by the arithmetic control unit 8 and various data such as applicant information and examination reference data described later. The storage unit 9 includes a volatile memory such as various RAMs, a magnetic disk such as a hard disk drive (HDD), an optical disk, and a secondary storage device such as a nonvolatile memory.

  The applicant terminal 12 includes, for example, a general-purpose computer including a laptop type and a tablet type, a smartphone, and the like. The applicant terminal 12 includes a display device such as a display on which display information output from the guarantee support device 5 is displayed, an input device, an Internet connection device, a storage device, and the like. The input device also includes a scanner device that can scan and digitize various certificates. In this case, the items described in the scanned certificate can be read by OCR and used for examination. The applicant terminal 12 may include an output device such as a printer.

  The applicant terminal 12 is used for inputting applicant information, but is not limited to a terminal owned by the applicant. For example, even a terminal installed at an intermediary company store, a guarantee company, or the like, when used for inputting applicant information, corresponds to an applicant terminal. The operation of the applicant terminal 12 may be performed directly by the applicant (individual or corporation, in the case of a corporation, the person in charge of the department such as the general affairs department) who wishes to guarantee, and the application with the consent of the applicant. The person who acquired the person information may do it. Here, the applicant information includes a selection result selected from a plurality of options, in addition to words, phrases, and sentences directly input by the applicant.

  Applicant information for individuals includes name, age, address, contact information, annual income (payment ability), family structure, occupation (employment status such as workplace and regular employees, contract employees, temporary employees, part-time workers, etc.) , Reason for moving, current (before moving) rent, desired rent, etc. are included. In addition, in the case of an unemployed elderly person, etc., it is possible to include the presence / absence of qualifications for receiving public funds, the annual amount, the amount of deposit, the presence / absence of relative's approval, etc. Furthermore, when the applicant has decided the area of the new address, the applicant information can also include changes in the commuting distance and transportation costs before and after the move.

  In addition, as applicant information for corporations, information on the person in charge, such as name, department, contact information, company URL, sales, gross profit, operating profit, asset status such as cash and deposits, use of rental properties, etc. Purpose, desired rent, rental period, etc. The desired rent may include so-called rents and variable costs such as administrative costs, common service costs, parking fees, and utility costs. When a corporation uses it as a company house, that is, when an employee moves into a rental property, it is possible to include the resident condition of the resident.

  The guarantee company terminal 13 has a hardware configuration such as a computer similar to the applicant terminal 12, and is configured to input examination criteria and the like when providing the guarantee service of the guarantee company via this and send it to the guarantee support device 5. Has been. The transmitted examination reference data (described later) is stored in the storage unit 9. The guarantee company terminal 13 is also configured to obtain from the guarantee support apparatus 5 the identification determination result of the applicant determined to be guaranteeable together with its identification code and store it in the storage device provided in the terminal. .

  The broker company terminal 14 may have a hardware configuration such as a computer similar to the applicant terminal 12. The brokerage company terminal 14 is not limited to a terminal of a specific brokerage company that manages rental properties that the applicant desires to move in the near future, and may be terminals of a plurality of brokerage companies. The brokerage company terminal 14 has a right of access to the guarantee support device 5 as a registrant (described later) by contract with the administrator, and the examination decision result can be guaranteed from the examination decision result storage unit 15 in the guarantee support device 5. A part of the applicant information (contact information, etc.) and an identification code associated therewith are acquired. The part of the applicant information and the identification code are not limited to the method of obtaining the request by requesting them after accessing the warranty support device 5. For example, the examination determination result and the identification code are collectively obtained from the warranty support device 5. May be automatically distributed. As described above, the real estate brokerage company obtains the applicant information and the like via the brokerage company terminal 14, so that services related to real estate such as provision of rental property information on the Internet can be performed. As a result, it is expected that the applicant knows information on the real estate property in advance and then visits the real estate brokerage company. As a result, the real estate company also contributes to labor saving and efficiency.

  For example, the administrator terminal 15 is a terminal installed in a guarantee company or a company outsourced from the guarantee company for the purpose of performing maintenance management of the guarantee support device 5 or the like. The administrator terminal 15 may be connected to the guarantee support device 5 as necessary or may be always connected. The administrator terminal 15 may have a hardware configuration similar to that of the brokerage company terminal 14 and the like, and may have an executable program for maintenance of the warranty support apparatus 5. The administrator usually includes a guarantee company (such as a specific department of the company), but is not limited thereto.

  FIG. 2 is a block diagram schematically showing a functional configuration example of the guarantee support apparatus 5 shown in FIG. As shown in this figure, the warranty support apparatus 5 in the present embodiment functionally includes an input unit 6, an output unit 7, a storage unit 9, a warranty examination determination unit 22, an identification code generation unit 24, and a display control unit 26. Prepare. In addition, since it mentioned above about the input part 6 and the output part 7, description about these is abbreviate | omitted below.

  As shown in FIG. 2, the storage unit 9 includes at least an applicant information storage unit 20, an examination reference data storage unit 21, an examination determination result storage unit 25, and a management data storage unit 27. The applicant information storage unit 20 is configured to store the above-described applicant information input via the input unit 6.

  The examination standard data storage unit 21 is configured to store examination standard data and the like input from the guarantee company terminal 13. In the guarantee support device 5 of the present embodiment, as specific examples of examination standard data, an applicant attribute table (see Table 1), a rent difference table (see Table 2), a contractor attribute, a rent difference relationship table (see Table 3), Relocation expense payment evaluation table (see Table 4), occupation, actual income evaluation table (see Table 5), borrowing / payment evaluation table (see Table 6), public fund evaluation table (see Table 7) and aptitude rent evaluation table (See Table 8) are stored in the examination standard data storage unit 21 as examination standard data. Also, an example of statistical data such as household annual income (see Table 8) and an example of consumption expenditure calculation data (see Table 9) used for calculating the appropriate rent are also stored in the examination criteria data storage unit 21. Next, each examination standard data will be described.

(1) Applicant attribute table (Table 1)
This table is for evaluating applicant attributes based on the relationship between the applicant's age and the household composition, and is divided into five column headings (single household, married couple household, married couple and children) Of households, single-parent and child households, and other households) are divided into seven row headings, and 2 to 5 evaluation points are arranged two-dimensionally in 35 squares. . For example, if the applicant is under 20 years old and is single (single household), 4 is set as the evaluation point, and 3 is set for single parents and children in the 30s.

(2) Move (entry) reason table (Table 2)
Reasons for moving (accommodating) (living alone (independent), commuting to school, going to school / admission / employment, changing jobs / dormitories, marriage / childbirth / cohabitation, divorce / separation, wanting to lower rent, demolishing / evicting, receiving pension / protection costs) The evaluation score is shown. In this table, “−” of items such as living alone (independent) and going on to school / admission / employment indicates not to be evaluated.

(3) Moving cost payment evaluation table (Table 3)
This table evaluates whether the relocation cost is paid from savings or paid by debt (postpay or credit card settlement). In the former case, 1 is given as an evaluation point, and in the case of debt, an evaluation is made. It is set to give -1 as a point.

(4) Occupation and actual income evaluation table (Table 4)
This table is evaluated based on the relationship between occupation and actual income. The five stages of occupation are placed in the column heading and the actual income in the row heading. Are arranged two-dimensionally. Here, as shown in Table 5, occupations are full-time employees, contract employees, temporary employees, part-time workers, individual business owners (self-employed), pensioners, welfare recipients, students (payments / part-time workers), There are nine categories of unemployed (no leave). The five stages of actual revenue are the first stage (less than 35.2 million yen), the second stage (35.2 million yen to less than 4860 million yen), the third stage (4860 million yen to less than 6.24 million yen), the fourth stage It is set to the stage (6,240,000 yen and less than 8,280,000 yen) and the fifth stage (8,280,000 yen and more). If the applicant is a third-stage full-time employee, give 2 as the evaluation point. If the applicant is an individual business owner and the actual income is in the first stage, give 0 as the evaluation point. Is set to

  In Table 4, the item “Savings (cash)” at the bottom of the occupation column shows the numerical range of the actual income in the first to fourth stages in order to correct the balance between actual income and savings and savings ( It is regarded as a range of deposits), and based on this, an evaluation score is given to the deposit amount entered by the applicant. For example, if both real income and savings are equivalent to the first stage for full-time employees, 0 + 0 = ± 0, and if contract employees are in the first stage (± 0) and savings are in the second stage (1), If 0 + 1 = 1, and the pensioner is in the first stage (± 0) and the savings are in the fifth stage (4), then -1 + 4 = 3. In this way, “savings (cash)” is intended to remedy individuals who have at least a certain amount of deposits in the guarantee examination.

(5) Borrowings and payments evaluation table (Table 5)
This table is set so that if the applicant information entered by the applicant includes information on payments such as borrowings and educational funds, the evaluation points will be deducted sequentially according to the amount of those amounts. Is. If the borrowing and payment are less than 20,000 yen each, a minimum of 0.5 points is set if the borrowing is 50,000 yen or more. A deduction of 0.5 points is set.

(6) Public fund evaluation table (Table 6)
This table is 0 depending on the type of public information such as national pension, welfare pension, public funds such as welfare, child allowance, and maternity allowance included in the applicant information. It is set to add 5 to 1.5 evaluation points.

(7) Appropriate rent evaluation table (Table 7)
This table confirms whether or not the guarantee is valid when the appropriate rent is determined and the appropriate rent is increased or decreased from the size of the annual income and the total evaluation score as the evaluation result obtained by comparing the examination standard data in Tables 1 to 6. Judgment is made to determine the amount of the reference guarantee fee when it can be guaranteed. In the present embodiment, it is determined that guarantee is possible when the total evaluation score is positive. The range of rents that can be guaranteed safely according to the size of the total evaluation score and the range of rents that can be guaranteed by collecting guarantee fees are calculated as the range of appropriate rents. (Given as the boundary between the “reasonable” range and the “on-boundary” range). In addition, the percentage display in the table is a value obtained by dividing the maximum rent in each square by the maximum monthly income (for example, the annual income is 501 to 6 million yen, the rent is 20,000 yen to (30,000 yen) Less than 3) is obtained by 3 / (600/12) × 100. The appropriate range of this value assumes 25-30% for a single person and 20-25% for a household.

  If the total evaluation score is negative, the risk is evaluated up to -3, and the applicant is asked to establish additional information and a joint guarantor. If the evaluation score is smaller than that, Is determined not to be guaranteed. Note that some guarantee companies may have various guarantee plans depending on part of the applicant information, for example, applicant attributes, household composition, income, and the like. The case where such a guarantee plan is used will be described later.

(8) Household annual income statistics (Table 8)
This table summarizes statistical data for obtaining actual income (month), disposable income (month) and consumption expenditure (month) from the annual income of the entire household. As such data, for example, data extracted from “Household Survey” issued annually by the Ministry of Internal Affairs and Communications can be used.

(9) Consumption expenditure calculation data (Table 9)
This table is a statistical calculation of the ratio of consumption expenditure breakdown (food, housing, light / water, furniture / household goods, clothing and footwear, health care, transportation / communication, education, education and entertainment, etc.). is there. As such data, for example, data extracted from “Household Survey” issued annually by the Ministry of Internal Affairs and Communications can be used.

Returning to FIG. 2, the registrant information storage unit 28 concludes a contract with an administrator regarding the participation in the warranty support system 1 of the present invention, and is granted a real estate brokerage company, a real estate sales company, a moving company, a gas. Company information and other information of registrants such as suppliers, electric utilities, and telecommunications carriers are stored as registrant information. Such information provided by each registrant includes, for example, searchable information on many rental properties, information on moving, gas, electricity, and Internet providers. Further, in the guarantee support system of the present invention, an applicant (such as a person who wishes to move) and a registrant such as an intermediary company who have received a result of determination that guarantee can be made by the guarantee support system are provided with an identification code and applicant information. since the reachable by part, it is possible to provide a like these properties other suitable information stored in the registrant information storage 28 in the applicant through the Internet network.

  The registrant information storage unit 28 can also store a guarantee plan of a registered guarantee company (hereinafter referred to as a registered guarantee company). When there are a plurality of registered guarantee companies and each has a guarantee plan, an applicant, an administrator, or the like can be configured to select a guarantee company and a guarantee plan. In the present embodiment, it is assumed that a guarantee plan as shown in Table 10 is stored in the registrant information storage unit 28, for example.

  Table 10 shows an example of a guarantee plan of a registered guarantee company. This table is used in accordance with applicant attributes, occupations, etc., and individual applicants are classified into four categories: employed, unemployed (including students), international students, and welfare recipients. When the purpose is an office or a store, it is assigned to one category, and a guarantee plan is provided for each category. The above-mentioned workers include cases where they are used as corporate housing. This is because there is no difference from the case of an individual in the point that an employee moves in. In addition, the guarantee plans for the workers are provided with two guarantee plans (worker A and worker B) by changing the guarantee contents and the generation period of the continuous guarantee. Table 10 also lists contractors, guarantee details and reference guarantee fees for each guarantee plan. For example, in the case of worker A's guarantee plan, the contractor is the person himself / herself, and the rent is removed for 12 months, and the legal costs are guaranteed. In addition, the reference guarantee fee is 50% guarantee fee (guarantee period 1 year) as initial guarantee fee at the time of contract, 10,000 yen (guarantee term 1 year) as continuous guarantee fee in the first year after the contract, and 1 year thereafter Each continuous warranty fee is 10,000 yen (1 year warranty period).

  The examination determination result storage unit 25 is configured to store the examination determination result in the guarantee examination determination unit 22 (such as a determined appropriate rent and a reference guarantee fee when guarantee is possible, which will be described later) in association with the applicant information. ing. In addition, the identification code generated by the identification code generation unit 23 is associated with the examination determination result and the applicant information, and similarly stored in the examination determination result storage unit 25. The management data storage unit 27 is configured to store various software and various data input at the administrator terminal 15, execute the software based on a signal from the arithmetic control unit 8, and refer to the various data. ing.

  When the applicant is an individual, the guarantee examination determination unit 22 examines each applicant information obtained from the applicant information storage unit 20 (for example, household composition, annual income, occupation) from the examination standard data storage unit 21. It is provided with a guarantee examination judgment function for collating with reference data (Tables 1 to 9) and performing evaluation by comparing each applicant information with each examination standard. This guarantee examination determination can be performed by evaluating the score of each applicant information for each data of the examination reference data, and further comparing the total evaluation score with the reference value of the examination reference data. In the present embodiment, the total evaluation score is used for the evaluation, but the present invention is not limited to this. For example, the average value of the evaluation points may be evaluated by collating with a predetermined reference value.

  On the basis of the above-described guarantee examination results, the guarantee support device 5 refers to the appropriate rent evaluation table shown in Table 7 to determine the appropriate rent amount, and increases or decreases the appropriate rent amount to determine whether or not the guarantee is possible. The reference guarantee fee will be fixed if it can be guaranteed.

  When the applicant is a corporation, the guarantee support device 5 examines the stability of the applicant's management status from each data of the applicant information. In the examination, as in the case of an individual, the score is evaluated by collating with each examination data set in advance for each data, and the total evaluation score (which may be an average value of the evaluation points) is obtained. Next, the guarantee support apparatus 5 determines the appropriate rent amount from the applicant information in accordance with the appropriate rent evaluation table separately stored in the examination standard data storage unit 21. Then, the appropriate rent is increased / decreased to determine whether or not the guarantee is possible from the total evaluation score. If the guarantee is possible, the reference guarantee fee is determined.

  If the determination result can be guaranteed, a request is sent to the identification code generation unit 24 so that the identification code is generated and sent to the guarantee examination determination unit 22. On the other hand, when receiving the request, the identification code generation unit 24 generates an identification code and sends the identification code to the guarantee examination determination unit 22. Although it does not restrict | limit especially as an identification code, For example, the alphanumeric character string of the number of digits prescribed | regulated previously is normally used. This identification code can be provided with an expiration date (for example, 3 months). By setting the expiration date in this way, if it does not lead to the conclusion of the lease or guarantee for the rental property, measures such as deleting the identification code are taken. As a result, the applicant information storage unit 20 and the examination are taken. Management of the storage unit 9 such as the determination result storage unit 25 becomes easy. On the other hand, when each contract is concluded within the validity period and the applicant (relocation applicant) moves into the desired rental property, the identification code for the applicant is subsequently taken over and stored in the storage unit 9. The recorded state is maintained.

  The guarantee examination determination unit 22 that has received the identification code associates this identification code with the determination result and stores it in the examination determination result storage unit 25. The examination judgment result storage unit 25 also stores a judgment result that cannot be guaranteed by the guarantee examination judgment unit 22.

  The display control unit 26 extracts the examination determination result designated from the examination determination result storage unit 25 in response to a request signal from outside the guarantee support device 5 such as the brokerage company terminal 14 and transmits it to the request transmission source. Are sent to the output unit 7. The display control unit 26 has a function of extracting display information from the management data storage unit 27 in response to a request signal from the applicant terminal 12 and transmitting the information to the applicant terminal 12 through the output unit 7.

With the above configuration, the guarantee support system of the present embodiment performs verification and evaluation between each of the applicant information input from the applicant terminal and each item of the examination criteria data corresponding thereto, and then the applicant information and The appropriate rent amount is determined by checking the appropriate rent evaluation table. In addition, it is configured to determine whether or not the warranty can be guaranteed when the appropriate rent is increased or decreased, and if the guarantee is possible, the reference guarantee fee is fixed, and these results will be announced to the applicant. The applicant can confirm the appropriate rent and whether or not the warranty can be guaranteed if the appropriate rent is increased or decreased in advance before searching for a rental property. In addition, the information on the appropriate rent and reference guarantee fee obtained with the warranty support system of the present invention is valid as long as there is no change in the applicant information, and is used as a reference when determining the upper limit rent of the rental property that the applicant can occupy. In addition to searching for rental properties based on the maximum rent and confirming the actual rental properties, it is possible to apply for a guarantee examination by the guarantee company (no need for property occupancy examination). As a result, applicants will be able to find and move rental properties more smoothly, and the real estate brokerage company will be able to reduce the time and effort of dealing with those who want to move from the beginning. Labor saving and efficiency can be achieved. In addition, applicants (such as those who wish to move) who have received the result of the guarantee support system assured by the guarantee support system and registrants such as intermediaries can be contacted with part of the identification code and applicant information. Appropriate services related to real estate and other information can be provided to applicants via the network.

Guarantee Support Method of the Present Invention Next, an example of the warranty support method of the present invention will be described with reference to FIGS. FIG. 3 is a flowchart showing an example of the guarantee support method of the present invention. FIG. 4A is a flowchart for explaining an example of the examination determination method in the guarantee examination determination unit when the applicant is an individual among the assurance support methods of the present invention. 4B is a flowchart for explaining an example of the examination determination method in the warranty examination determination unit following FIG. 4A, and FIG. 4C is an example of the examination determination method in the warranty examination determination unit subsequent to FIG. 4B. It is a flowchart to explain. Furthermore, FIG. 4D is a diagram showing an example of reference guarantee fee calculation when applying a guarantee plan of a registered guarantee company, and FIG. 5 is a diagram showing an example of a calculation result according to the flowchart shown in FIG. 4D. It is. Furthermore, FIG. 6 is a flowchart for explaining an example of the examination determination method in the guarantee examination determination unit when the applicant is a corporation among the guarantee support methods of the present invention. In the following description, the obtained applicant information and the examination judgment result in the guarantee examination judgment unit are stored in predetermined storage units (20, 21, 25, 27, 28) in the storage unit 9 one by one. Although there are places that are not touched, it goes without saying that the information and examination determination results described above are stored in a predetermined storage unit.

  As shown in FIG. 3, first, an initial screen for executing the guarantee support method of the present invention from the guarantee support device 5 is displayed on the display device of the applicant terminal 12. The applicant selects whether the applicant is a corporation or an individual along the display on the initial screen (step S1). The guarantee support device 5 determines whether the selection result by the applicant is an individual or a corporation (step S2).

  If the selection result is an individual, the guarantee support device 5 displays an applicant information input screen on the applicant terminal 12, so that the applicant inputs the applicant information (step S3). Thereafter, electronic data obtained by scanning necessary certificates such as an ordinary car license is transmitted to the guarantee support device 5 (step S4). The guarantee support apparatus 5 reads the description items using the OCR or the like from the electronic data of the certificates received and stored in the storage unit (step S5). Then, personal examination standard data is read from the examination standard data storage unit 21 (step S6).

  On the other hand, when the selection result is a legal entity, the applicant has, as applicant information, for example, information on the person in charge such as the name of the person in charge, the department to which he belongs, contact information, etc., company URL, sales, gross profit, operating profit, cash and other assets The financial information such as the situation, the purpose of use of the rental property, the desired rent and the rental period is entered (step S7). After that, for example, electronic data obtained by scanning necessary certificates such as financial statements and all history items certificates is transmitted to the guarantee support device 5 (step S8). The warranty examination determination unit 22 in the warranty support apparatus 5 reads necessary description items from the electronic data of each certificate received and stored in the storage unit by the OCR function or the like (step S9). Then, corporate examination standard data is read from the examination standard data storage unit 21 (step S10).

  Next, when the applicant is an individual, the guarantee examination determination unit 22 examines the applicant information in accordance with examination standard data (Tables 1 to 7) (step S11). In the guarantee screening, the applicant information is checked against a predetermined screening standard table covering a plurality of items, and the evaluation score of the corresponding one is extracted from the score evaluation arranged in each square in the table. Then, the total score (total score) of the score for each item is obtained. Next, the guarantee examination determination unit 22 determines an appropriate rent amount based on the applicant information and a predetermined examination criteria table (step S12).

Subsequently, when the appropriate rent amount is increased or decreased by several stages, the guarantee examination determination unit 22 determines whether or not the guarantee can be guaranteed at each stage (step S13). Then, for the stage where the determination result can be guaranteed (provided that the warranty service can be provided), the warranty examination determination unit 22 determines the reference guarantee fee amount at each stage (step S14), and the identification code generation unit 24 Request to generate an identification code. In response to this, the identification code generation unit 24 sends the identification code to the guarantee examination determination unit 22. In assurance examination and judgment unit 22, and imparting an identification code sent to the result of the determination in Warranty possibility (step S15), and stores the identification code in the examination decision result storage unit 25 in a state associated with a result of the determination To do.

Then, the output unit 7 transmits to the applicant terminal 12 that the identification code and the guarantee service can be provided (step S16). The applicant terminal 12 outputs the received identification code or the like to the display device or printer device (step S16) and stores it in the storage device. On the other hand, when the total evaluation score does not satisfy the predetermined standard and a determination result indicating that the guarantee is not possible is given, a message to that effect is transmitted to the applicant terminal (step S17). The transmission to the applicant terminal in step S16 and step S17 may be performed in response to a request from the applicant terminal, for example.

  FIG. 4A to FIG. 4E specifically show an example of the warranty screening determination method of the warranty screening determination unit 22. With reference to these drawings, the warranty screening determination method in the warranty screening determination unit 22 will be described in more detail. Guarantee examination judgment part 22 is from applicant information (age) and household composition (single household, couple-only household, couple and child household, single parent and child household, other households) in the applicant information The selection result selected by the applicant is extracted. Then, these are collated with the contractor attribute table (Table 1) (step S21), and an evaluation score A is obtained (see FIG. 4A). For example, when the applicant is in his 30s and the household composition is composed of a couple and a child, the guarantee examination determination unit 22 obtains “5” as the evaluation score A. Further, if the applicant is one in his 60s, an evaluation score A of “4” is obtained.

  Next, the Warranty Examination Judgment Unit 22 provides information on reasons for moving (single life (independent), commuting to school, going on to school / entry / employment, changing jobs / dormitories, marriage / childbirth / cohabitation, divorce / separation, rent) in the applicant information. Select the selection result selected by the applicant from among (destroy, eviction, pension / protection fee receipt). Then, the guarantee examination determination unit 22 collates the selection result with the move reason table (Table 2) (step 22), and obtains an evaluation score B (see FIG. 4A).

  Subsequently, the guarantee examination determination unit 22 extracts the applicant's selection result (pay from saving or debt) regarding the payment method of the moving cost from the applicant information. The guarantee examination determination unit 22 collates the selection result with the moving expense payment table (Table 3) (step S24), and obtains an evaluation point C (see FIG. 4A). For example, the guarantee examination determination unit 22 obtains an evaluation score C of “1” when “pay from saving” is selected, and “−1” when “from debt” is selected. The evaluation score C is obtained.

  Subsequently, the warranty review / determination unit 22 determines the occupation (full-time employee, contract employee, temporary employee, part-time worker, individual business owner (self-employed), pensioner, welfare recipient, student (send-off / part-time job) from the applicant information. ), Applicants' selection results regarding unemployed (no leave), savings (cash)) and information on annual income. The guarantee examination determination unit 22 collates these information and results with the annual income evaluation table (Table 4) (step S25), and obtains an evaluation point D (see FIG. 4B). For example, if the applicant is a full-time employee and the annual income is 6 million yen, an evaluation score D of “2” is obtained. If the applicant is an individual business owner and the annual income is 4.5 million yen, “± An evaluation score D of “0” is obtained.

  Next, the guarantee examination determination unit 22 extracts information on the presence / absence and amount of borrowings / payments from the applicant information. Then, the information and the borrowing evaluation table (Table 5) are collated (step S26), and an evaluation score E is obtained (see FIG. 4B). For example, if there is a repayment of “borrowed repayment” or “education funds” of 50,000 yen or more per month, the guarantee examination judgment unit 22 obtains an evaluation point E of “−2.5” and less than 20,000 yen every month. If there is a repayment of “borrowed repayment” or “education funds”, an evaluation point E of “−0.5” is obtained.

  Furthermore, the guarantee examination determination unit 22 extracts information on the presence or absence of supply and demand of public funds (pension (national, welfare, injury, company), welfare, child allowance, mother and child allowance) from the applicant information. Then, the information and the public fund evaluation table (Table 6) are collated (step S27), and an evaluation score F is obtained (see FIG. 4B). For example, the guarantee examination determination unit 22 obtains an evaluation score F of “1” when receiving “national pension” and an evaluation of “0.5” when receiving “child allowance”. Point F is obtained.

  After the examination determination for the above items is completed, the guarantee examination determination unit 22 adds the evaluation points A to F to obtain a total evaluation point (see FIG. 4B).

  Next, the warranty review / determination unit 22 determines the annual income, non-consumption expenditure data (various taxes, health insurance premiums, employment insurance premiums, pension / social insurance premiums) and various allowances (child allowance, disability allowance) from the applicant information. , Information on the receipt of maternity allowance and various pensions). When there is non-consumption expenditure and any of the above-mentioned allowances are received, the guarantee examination determination unit 22 uses the table illustrated in Table 8 to calculate the monthly income from the household annual income and the non-consumption expenditure from the monthly income. The disposable income is obtained by subtracting the amount (step S33), and the housing cost corresponding to the household composition is obtained from the consumption expenditure calculation data illustrated in Table 9 (step S34). Then, when there is a repayment of the borrowing (loan) every month, the difference is obtained by subtracting the monthly amount from the housing cost (step S35). Needless to say, the allowances are not added when various allowances are not received during the calculation.

  Next, when the difference in step S35 is negative, the guarantee examination determination unit 22 evaluates whether or not the negative amount can be used for the deposit and saving amount (step S36). If the difference in step S35 is positive, and if the difference is negative and can be further increased by savings or the like, the difference or the positive amount after the satisfaction is determined as the appropriate rent (step S37). Then, the guarantee examination determination unit 22 moves the rent amount (appropriate rent amount) to the right column for each step on the appropriate rent evaluation table (see Table 7) according to the total evaluation points, and increases or decreases each amount. Whether or not the guarantee is possible is determined at a stage (step S13). Then, for the stage where guarantee is possible (guarantee service can be provided) until the judgment result is not guaranteed (step S41), the warranty examination judgment unit 22 determines the reference guarantee fee amount (step S42) and outputs it. An output instruction is given to the unit 7 (step S43). At this time, the request for giving the identification code to the identification code generator 24 is issued as described above. Further, when the guarantee cannot be made from the beginning due to the increase / decrease (step S40), the output unit 7 is instructed to output that the guarantee cannot be made together with the appropriate rent amount (step S43). The amount of the reference guarantee fee can be determined according to the provisions of the guarantee company involved in this guarantee review.

Next, an example of how to obtain a reference guarantee fee when a guarantee plan (see Table 10) of a registered guarantee company is applied will be described with reference to FIG. 4D. First, the guarantee examination determination unit 22 reads the appropriate rent amount from the examination determination result storage unit 25 (step S42). Also, necessary information such as applicant attributes (foreigner or national, age and gender), household composition, occupation and public funding are read from the applicant information storage unit 20 (step S43). Then, from the read applicant information, which guarantee plan the applicant corresponds to is sorted and collated (step S44), and the guarantee plan is determined (step S45). The guarantee examination determination unit 22 instructs the output unit 7 to output the confirmed guarantee plan together with the appropriate rent (step S46).

  FIG. 5 illustrates an example of allocation of a guarantee plan to applicants (including both individuals and corporations) based on the applicant information of the applicant. As shown in this figure, if the applicant's occupation is a full-time employee, contract employee, temporary employee, part-time worker or individual business owner, and the applicant attribute (nationality) is Japanese, worker A or worker B Falls under the warranty plan. The choice of either plan is basically determined by the owner of the rental property, but in exceptional cases, the applicant may decide. In addition, when the occupation is a regular employee and the nationality is a foreign nationality, the same applies to the guarantee plan for worker A or worker B. In addition, the guarantee plan of worker A or worker B is also applicable to mothers and children who are working (have a job), who meet the requirements of women, single-parent and child households, and maternity allowances. It corresponds to. Furthermore, as shown in FIG. 5, when the applicant's occupation is a student and Japanese nationality, the guarantee plan for students corresponds to the guarantee plan for international students when the applicant is a foreign nationality. Furthermore, if the applicant is receiving welfare expenses, it is necessary to confirm the age, but this is a guarantee plan for welfare expenses recipients.

  FIG. 6 shows an example of calculating the reference guarantee fee after assigning applicants (individuals) to the guarantee plan shown in Table 10 and confirming the guarantee plan. Assuming that the desired rent is 50,000 yen (50,000 yen may be calculated as the appropriate rent), in the example of Figure 6, Japanese nationals wish to use the desired rent (appropriate rent) as the initial guarantee fee at the time of contract. If you move in, you will be required to pay 10,000 yen as a continuous guarantee fee. For students, the initial guarantee fee is 20,000 yen and the continuous guarantee fee is 10,000 yen. Furthermore, if the applicant is a welfare recipient, 60% is required as the initial guarantee fee and 20,000 yen is required as the continuous guarantee fee. From these, the reference guarantee fee is 25,000 yen at the time of contract when the applicant is a Japanese national, 10,000 yen / year when moving in, and 20,000 yen when contracting when the applicant is a student, when moving in If the applicant is a welfare recipient, the fee is 30,000 yen at the time of contract and 20,000 yen / year at the time of occupancy.

  Similarly, in the case where the applicant is a corporation, the guarantee examination determination unit 22 examines the applicant information in accordance with the examination criteria table (not shown in this specification), determines the appropriate rent, and increases or decreases the appropriate rent. In such a case, whether or not the guarantee is possible is determined. Even in the case of a corporate guarantee review, as in the case of an individual who wishes to move, the review by the guarantee review determination unit 22 appropriately prepares examination standard data (table) suitable for the guarantee review, and the points arranged in the table. This is done by extracting the corresponding evaluation points from the evaluation and obtaining the total evaluation points. If the guarantee is possible, the guarantee examination determination unit 22 can be configured to calculate a reference guarantee fee.

  FIG. 7 specifically shows an example of the warranty screening determination method of the warranty screening determination unit 22 when the applicant is a corporation. In the example of this figure, a case where a corporation searches for a real estate property in a company house or a single dormitory will be described as an example. In this case, the warranty support device 5 is set to “Residential” as the purpose of use in advance, and the rental conditions are that the resident is a full-time employee (and family member) of the applicant, and the rental period is set to 2 years or more. It is assumed that In the guarantee examination determination method of the present invention, the purpose of use and the rental conditions are not limited to those described above. For example, for the purpose of use, offices, stores, warehouses, factories, etc. can be set, and the rental conditions are also used. It can be changed and set as appropriate according to the application.

  For example, the person in charge of the general affairs department in the corporation operates the applicant terminal 12 according to the display that appears on the display device of the applicant terminal 12, and inputs company information (step S51). Here, the company information includes, for example, information such as the name of the person in charge, the department to which he / she belongs, contact information (including an email address where he / she can be contacted), listed company or non-listed company, company web page URL, and settlement information. And some of them. In the display device of the applicant terminal 12, when the applicant is a listed company, the company web page URL is input, and when the applicant is a non-listed company, the company web page URL is input and at least one period (preferably 3). It is also possible to display the fact that it is necessary to input financial information for the period, and notify the applicant.

  Next, the person in charge inputs “residential” as the purpose of use, or selects “residential” from a plurality of options. The guarantee support apparatus 5 confirms this information from the applicant terminal 12 (step S52), and determines whether or not the purpose of use matches (step S53). If the purpose of use does not match, an output is sent to notify the applicant (step S61). If they match, the guarantee support device 5 next waits for an input of rental conditions from the applicant, and if there is an input, confirms the input contents (step S54), and whether or not the conditions match Is determined (step S55). If the conditions do not match, an output is sent to notify the applicant (step S61). If the conditions are met, it is determined whether or not the confirmation of all items has been completed (step S56), and if there is an input omission, the process returns to the confirmation of the rental conditions (step S54). If all items have been confirmed, the appropriate rent amount is determined using the appropriate rent evaluation table separately stored in the examination criteria data storage unit 21 as described above (step S57). Subsequently, it is determined whether or not a guarantee can be made when the appropriate rent is increased or decreased as described above (step S58). If it is determined that the guarantee is not possible, it is output to notify the applicant to that effect (step S61), and if it is determined that the guarantee is possible, the reference guarantee fee is fixed as described above ( Step S59) After issuing an identification code (Step S60), the applicant outputs the identification code together with the appropriate rent and the reference guarantee fee when the guarantee is possible (Step S60). In the case of a corporation, as in the case of an individual, the reference guarantee fee amount can be determined according to the provisions of the guarantee company involved in the guarantee examination.

  After that, the warranty support device 5 confirms the existence of the applicant (corporate) through the Internet or the like, and if necessary, sends an automatic e-mail requesting the applicant to submit a corporate register and financial statements. You may comprise. In addition, these materials may be confirmed using Teikoku Databank or Japanese telecon.

  When the guarantee plan shown in Table 10 is applied, the guarantee support apparatus 5 determines the corresponding guarantee plan as in the case of an individual. Thus, the appropriate rent and the reference guarantee fee (details of the applicable plan when a guarantee plan is applied) can be notified to the applicant automatically or upon request.

  FIG. 8 shows that the guarantee support system 1 of the present invention can provide the applicant or the like when the applicant is an individual who can receive the guarantee service by executing the guarantee support method of the present invention described above. It is a flowchart which shows another example of the guarantee assistance method. In the example of this figure, the brokerage company uploads rental property information that the company has jurisdiction in advance (step S65), and the guarantee support device 5 receives the information and stores the detailed data of the rental property in its own storage unit. (Step S66) When an applicant decides to rent a rental property, he / she joins the guarantee support system 1 of the present invention so that the brokerage company having jurisdiction over the rental property can easily output a contract. Yes. First, the applicant searches for rental properties on the Internet and narrows down rental properties (step S67). At this time, the applicant can also search from the registrant information stored in the storage unit 9 of the guarantee support apparatus 5 without inputting the identification code. An applicant who has selected at least one rental property that he / she wishes to move to (usually a plurality of rental properties in many cases) inputs an identification code at the applicant terminal 12 (step S68), and then the warranty support device 5 The selected rental properties are selected from the rental property information sent from and each makes a preview application (step S69).

  Upon receiving the preview application from the applicant, the guarantee support device 5 joins the guarantee support system 1 of the present invention, and contacts the brokerage company having jurisdiction over the rental property selected by the applicant (step S70). The brokerage company (terminal) that has received the notification contacts the owner of the rental property and returns a notification of whether or not the preview is available (step S71). At this time, the notification of whether the introspection is possible may be made through the guarantee support device 5. Thereafter, the applicant conducts a preview of the rental property actually desired to move (step S72), and determines the rental property to move from among them (step S73). Thereafter, the applicant or the person in charge of the brokerage company accesses the warranty support apparatus 5 and selects the decided rental property, so that the guarantee support apparatus 5 creates a guarantee contract (step S74) and the guarantee created in the brokerage company. A contract is sent (step S75). The brokerage company prints out the warranty contract (step S76) and concludes the contract (step S77). Thereafter, the applicant settles the guarantee price (step S78). As described above, the efficiency of the procedure up to the conclusion of the contract can be improved by utilizing the guarantee support system 1 of the present invention. In the future, there will be an increase in electronic contracts that use information exchange through communication lines such as the Internet and dedicated lines as means for concluding agreements, and use electronic files with electronic signatures and time stamps as evidence of agreement formation. Since it is anticipated, the above-described guarantee contract may be concluded with an electronic contract. If an electronic contract is made in this way, an appropriate rent and a reference guarantee fee can be obtained on a communication line such as the Internet, and a guarantee contract can be concluded, which contributes to paperless and eco-friendly.

As described above, according to the warranty support system and the warranty support method of the present invention, the applicant's input items from the applicant terminal (applicant) Information) to determine the appropriate rent, determine whether or not to increase or decrease the appropriate rent, determine the reference guarantee fee if it can be guaranteed, and provide the information to the applicant. Since the notice is to be announced, the applicant can confirm the appropriate rent, whether or not the guarantee is possible, and the reference guarantee fee in the case where the guarantee is possible when searching for the rental property. Applicants can refer to this information prior to searching for rental properties, search for rental properties based on the above-mentioned appropriate rent, and not only check the locality but also receive guarantee services from the guarantee company. You can apply without any review. As a result, applicants will be able to find and move rental properties more smoothly, and the real estate brokerage company will be able to reduce the time and effort of dealing with those who want to move from the beginning. Labor saving and efficiency can be achieved. In addition, as a result of determination by the warranty support system and the warranty support method of the present invention, an applicant (such as a person who wishes to move) who can be guaranteed and a registrant such as an intermediary company communicate with each other by an identification code and a part of the applicant information. Therefore, it is possible to provide appropriate services regarding real estate and other information to applicants via the Internet.

  Specifically, the leasing industry, which has been operating with rental properties until now, is able to provide a guarantee service through pre-examination in a state where there is still no rental property desired by the applicant. Access to new movers. The brokerage company and the owner of the rental property have an identification code and can directly approach the resident who can move in, so that the recruiting activities can be made more efficient. In addition, for a specific moving person having an identification code, comprehensive proposals such as furniture, home appliances, and living infrastructure can be made, and the moving person can make a planned preparation before moving. In addition, it is possible not only for individuals but also for pre-screening of corporations, which is advantageous for small and medium-sized enterprises where occupancy screening is difficult, and can contribute to enhancement of welfare for small and medium-sized businesses.

  Although there is a problem of personal information, since a trader with access authority can access data including personal income, various financial products can be proposed. In addition, since the contractor can access the applicant information such as the family structure, it is possible to provide products according to the age group. Furthermore, it is possible to analyze the time of move, area, size, rent, etc. from data such as age, gender, and family composition, and real estate development based on that data becomes possible. Furthermore, since proposals for various products can be made, it is possible to provide services such as benefits related to guarantee fees when applying for packages such as mobile phones, liberalization of electricity, net lines, and water servers. By cooperating with the management company, it becomes possible to provide vacancy information in real time, it is possible to build such a site, and provide the member service with the identification code to the applicant who received the guarantee service be able to. Furthermore, if you rent a share house with multiple people, you can add up the maximum rent for each person.

DESCRIPTION OF SYMBOLS 1 ... Warranty support system, 5 ... Warranty support apparatus, 6 ... Input part, 7 ... Output part, 8 ... Calculation control part, 9 ... Memory | storage part, 10 ... Bus 11 ... Internet network, 12 ... Applicant terminal, 13 ... Guarantor company terminal, 14 ... Broker company terminal, 15 ... Administrator terminal, 20 ... Applicant information storage unit,
21 ... Examination criteria data storage unit, 22 ... Warranty examination determination unit, 24 ... Identification code generation unit, 25 ... Examination determination result storage unit, 26 ... Display control unit, 27 ... Management data storage unit, 28... Registrant information storage unit

Claims (9)

It is connected through the Internet network between the applicant terminal applicant operates, and possible input unit acquires applicant information entered by the applicant, and assurance examination determination unit, a request from the guarantee examination determination unit Including an identification code generation unit that generates an identification code and returns it to the warranty examination determination unit, and an output unit,
The Guarantee Screening and Judgment Department examines the applicant information in accordance with the screening standard data obtained in advance from the Guarantee Company, calculates the appropriate rent, and determines whether or not the warranty can be guaranteed if the appropriate rent is increased or decreased. In this case, a reference guarantee fee is obtained, and the identification code generation unit is requested to generate the identification code, and the identification code returned from the identification code generation unit is used as the appropriate rent and the reference guarantee fee when the guarantee is possible. And send it to the output unit in association with the applicant,
The warranty support system, wherein the output unit is configured to transmit and receive contents received from the warranty review determination unit.
  The examination in the guarantee examination determination unit sums up the evaluation results obtained by scoring the applicant information by collating with the examination standard data to obtain a total evaluation score, and the appropriate rent is obtained from the applicant information and the examination. The guarantee support system according to claim 1, wherein the guarantee support system is configured to be confirmed by collating with an appropriate rent evaluation table in the reference data.   The guarantee support system according to claim 1 or 2, wherein the reference guarantee fee is determined for each applicable guarantee plan. The result of the determination as to whether or not the guarantee is possible and the identification code associated therewith are stored in a storage unit, and then the registrant stored in the storage unit can guarantee the result of the determination. The guarantee support system according to any one of claims 1 to 3, wherein the guarantee support system is configured to acquire a part of information and the identification code .
An input process for connecting to an applicant terminal operated by an applicant through the Internet and acquiring applicant information input by the applicant;
Warranty review process,
An identification code generation step of generating an identification code and returning it to the warranty examination determination step ;
Output process,
In the guarantee screening judgment process, the applicant information is examined in accordance with the screening standard data obtained in advance from the guarantee company, the appropriate rent is obtained, and whether or not the appropriate rent is increased / decreased is examined, and the reference guarantee fee is checked. Requesting generation of the identification code to the identification code generation step, and sending the identification code returned from the identification code generation step and the determination result to the applicant in association with the applicant,
The guarantee support method, wherein the output step is configured to transmit and receive the contents received from the guarantee review determination step.
  The guarantee examination determination step sums up the evaluation results scored by comparing the applicant information with the examination reference data to obtain a total evaluation score, and examines using the total evaluation score, the applicant information 6. The guarantee support method according to claim 5, wherein the appropriate rent is obtained by comparing the appropriate rent evaluation table in the examination standard data.   The guarantee support method according to claim 5 or 6, wherein the reference guarantee fee is determined for each applicable guarantee plan. The applicant who stores the result of the determination as to whether or not the guarantee is possible and the identification code associated therewith in the storage unit, and the registrant stored in the storage unit can then guarantee the result of the determination. The guarantee support method according to any one of claims 5 to 7, wherein the guarantee support method is configured to acquire a part of information and the identification code .
  The program for performing the guarantee assistance method of any one of Claims 5-8.