JP6668444B2 - Rent settlement system and rent settlement method - Google Patents

Description

  The present invention relates to a settlement system using credit card settlement and a settlement method using credit card settlement, and more particularly, a rental settlement system and a rental settlement that performs credit card settlement of rent of a house or a store via Internet communication. About the method.

  As a conventional payment system that performs credit card payments in commercial transactions of goods and services, the business operator performing the commercial transactions will perform the processing related to the actual credit card payment to another business operator (hereinafter referred to as “agent business”). A form of acting on behalf is known. In addition, there has been known a mode in which a rent for a house or a store is settled by a credit card (for example, see Patent Document 1 below). Patent Literature 1 discloses that an initial cost at the time of moving in, a rent, and the like are paid by credit card settlement via an agency.

JP 2011-187035 A

  When making credit card payments available for rent payments, considering the convenience of the lessee, the lessor or its management company must have individual contracts with various credit card companies, In addition, complicated renewal procedures must be performed at regular intervals, and although the actual collection of rent can be owed to the credit card company, the burden associated with collection of rent is large.

  Also, depending on the difference in the settlement mode depending on each credit card company, for example, the difference in the setting of the closing date and the difference in the setting of the period from the closing date to the payment date, the lessee may settle the credit card settlement from the contract date. The settlement date on which payment based on settlement is performed from the credit card company to the lessor will be different. For example, even if the first lessee and the second lessee make a credit card payment on the same day, if the type of credit card used is different, the payment based on the payment is several days later. In some cases, it may be one month or more ahead. In such a situation, complicated processing is required to manage the settlement status of the rent.

  Therefore, the present invention provides a rent settlement system and a rent settlement method that can reduce the burden of rent collection by renters and simplify the management of rent settlement status by renters.

The rent settlement system according to the present invention, in order to solve the above problems,
A settlement agent system that uses a terminal device of a lessee holding a credit card issued by a credit card company and settlement of rent to the lessor using the credit card information input from the lessor's terminal device. A rent settlement system including
The settlement agent system,
Settlement accepting means for accepting input of information necessary for settlement including the information of the credit card and the rent to be paid to the lessor from the lessee via the Internet, without passing through the lessor,
Credit reference means for performing a credit reference to the credit card company based on the credit card information and the information on the amount according to the rent,
A settlement requesting unit for requesting the credit card company to settle the settlement when the credit reference is obtained by using the credit card;
Payment recording means for recording information on the payment including at least a part of the information necessary for the payment,
If the credit inquiry is used to determine whether or not to use the credit card, the fee is deducted to the lessor from the amount corresponding to the rent, regardless of the payment for the settlement from the credit card company. Advance payment means for depositing the amount
And payment confirmation means for confirming payment related to the settlement from the credit card company.

Also, the rent settlement method according to the present invention, in order to solve the above problems,
A rent settlement method for performing settlement for a lessor by a lessee holding a credit card issued by a credit card company using the information of the credit card,
Accepting input of information necessary for settlement including the information of the credit card and the rent to be paid to the lessor from the lessee via the Internet, without going through the lessor;
Based on the information of the credit card and the information of the amount according to the rent, make a credit inquiry to the credit card company,
When the credit inquiry is used to determine the credit card use permission, the credit card company requests settlement of the settlement,
Record information related to the payment including at least a part of information required for the payment,
If the credit inquiry is used to determine whether or not to use the credit card, the fee is deducted to the lessor from the amount corresponding to the rent, regardless of the payment for the settlement from the credit card company. Make a deposit
In this configuration, payment from the credit card company for the settlement is confirmed.

  In the case of the rental settlement system or the rental settlement method according to the present invention, since the settlement of the lessor is performed to the provider of the rental settlement system or the rental settlement method, the lessor separately contracts with various credit card companies. Various credit card companies can be used without renewal or renewal procedures, and the actual collection of the rent of the lessor will be performed by each credit card company, reducing the burden of collecting the rent of the lessor can do. In addition, in the case of the rental settlement system or the rental settlement method according to the present invention, the payment based on the settlement of the rent by the lessee to the lessor is based on the date on which the settlement was performed. , It is possible to simplify the management of the settlement status of the rent by the lessor.

Correlation diagram schematically showing a usage system of the settlement system according to the first embodiment of the present invention. FIG. 2 is a block diagram showing a usage mode of the payment system according to the first embodiment of the present invention. FIG. 2 is a block diagram illustrating a structure of a database according to the first embodiment of the present invention. FIG. 1 is a block diagram illustrating a functional configuration of a payment processing server according to Embodiment 1 of the present invention. Sequence diagram showing a settlement mode in the settlement system according to Embodiment 1 of the present invention FIG. 9 is a block diagram illustrating an example of a usage mode of the payment system according to the second embodiment of the present invention. FIG. 4 is a block diagram illustrating a structure of a database according to Embodiment 2 of the present invention. FIG. 4 is a block diagram illustrating a functional configuration of a payment processing server according to Embodiment 2 of the present invention. Sequence diagram showing a settlement mode in the settlement system according to Embodiment 2 of the present invention.

  After explaining a conceptual configuration of the settlement system according to the present invention, a specific configuration will be described.

The rent settlement system according to the present invention comprises:
A settlement agent system that uses a terminal device of a lessee holding a credit card issued by a credit card company and settlement of rent to the lessor using the credit card information input from the lessee terminal device. A rent settlement system including
The settlement agent system,
Settlement accepting means for accepting input of information necessary for settlement including the information of the credit card and the rent to be paid to the lessor from the lessee via the Internet, without passing through the lessor,
Credit reference means for performing a credit reference to the credit card company based on the credit card information and the information on the amount according to the rent,
A settlement requesting unit for requesting the credit card company to settle the settlement when the credit reference is obtained by using the credit card;
Payment recording means for recording information on the payment including at least a part of the information necessary for the payment,
If the credit inquiry is used to determine whether or not to use the credit card, the fee is deducted to the lessor from the amount corresponding to the rent, regardless of the payment for the settlement from the credit card company. Advance payment means for depositing the amount
And payment confirmation means for confirming payment related to the settlement from the credit card company.

  In the rental settlement system according to the present invention, since the settlement of the lessor is performed by the rental settlement system, the lessor does not have to individually contract with various credit card companies or carry out renewal procedures. The credit card company can be used, and the actual collection of the rent of the lessor is also performed by each credit card company, so that the burden on the rent collection of the lessor can be reduced. Further, in the rental settlement system according to the present invention, the payment to the lessor based on the settlement of the rent by the lessee is made by the provider of the rental settlement system on the basis of the settlement date (that is, the lessee's lease). (For example, a company that performs credit card settlement for a person), it is possible to simplify the management of the settlement status of the rent by the lessor.

  In addition, in the rent settlement system according to the present invention, the renter moves to a predetermined public place in order to be able to make a credit card settlement from his / her personal computer, tablet, mobile phone or other terminal device via the Internet. It is not necessary to make a payment, and credit card payment can be performed easily and safely. Further, with the rent settlement system described above, a renter can make a payment from a variety of credit card companies using a credit card of a desired credit card company, thereby improving the convenience for the renter.

  Further, with the above rent settlement system, a provider of the rent settlement system can obtain a predetermined fee along with the credit card settlement of the rent of the lessor. Furthermore, with the above rent settlement system, the actual collection of the rent of the lessor is performed by each credit card company, and even if the lessor is paid up, the provider of the rent settlement system may be at risk. The rent settlement system can be operated stably in order not to owe it.

In the above rent settlement system according to the present invention,
The replacement payment means may include an optional fee from an amount corresponding to the rent when the scheduled payment date for the settlement from the credit card company is later than the scheduled payment date to the lessor. Can be configured to replace the amount obtained by subtracting.

  With this configuration, it is ensured that payment to the lessor is made on an arbitrary date determined based on the date on which the lessee made the settlement, regardless of the credit card company used for settlement by the lessee. Can be.

In the above rent settlement system according to the present invention,
The amount corresponding to the rent is the amount of the rent, and the amount paid to the lessor in the advanced payment means is the amount obtained by subtracting the agency fee and the card fee for the credit card company from the rent. The first fee system, and the amount corresponding to the rent is the sum of the rent and the agency fee, and the amount deposited to the lessor in the advance payment means is calculated from the rent The system may further include a fee system selecting means for selecting an arbitrary fee system from a plurality of types of fee systems including a second fee system which is an amount obtained by subtracting a card fee for the credit card company.

  With this configuration, lessees who want to gain the convenience of credit card payment even if they pay a surcharge added to the rent, or lessors who want to acquire a resident even if they pay a surcharge added to the rent For example, it can flexibly respond to various usage requests.

In the above rent settlement system according to the present invention,
In accordance with a predetermined input through the Internet from a terminal device owned by the lessor, the lessor confirms the settlement status of the lessee by referring to the information on the settlement recorded by the settlement recording means. It is possible to adopt a configuration further including a settlement status disclosure means to be disclosed.

  With this configuration, the rent settlement can be performed almost in real time, even though the rent is settled by the lessee without the intervention of the renter. The date and the amount of money to be received from the system provider can be accurately predicted, and the lessor can stably operate the fund.

In the above rent settlement system according to the present invention,
The settlement by the lessee is a settlement that repeatedly pays a fixed amount,
Scheduled rent recording means for recording information specifying the fixed amount as the scheduled rent, in accordance with an instruction via the Internet from a terminal device owned by the lessor,
Rent confirmation means for confirming identity between the scheduled rent recorded by the scheduled rent recording means and the rent received by the settlement receiving means,
May be further included.

  With this configuration, it is possible to prevent the lessee from performing the settlement with the wrong amount, and thus it is possible to prevent the occurrence of complicated procedures for re-executing the settlement, refunding the excess, or refunding the shortage. As a result, the management of the settlement status of the rent by the lessor can be further simplified.

The rent settlement method according to the present invention comprises:
A rent settlement method for performing settlement for a lessor by a lessee holding a credit card issued by a credit card company using the information of the credit card,
Accepting input of information necessary for settlement including the information of the credit card and the rent to be paid to the lessor from the lessee via the Internet, without going through the lessor;
Based on the information of the credit card and the information of the amount according to the rent, make a credit inquiry to the credit card company,
When the credit inquiry is used to determine the credit card use permission, the credit card company requests settlement of the settlement,
Record information related to the payment including at least a part of information required for the payment,
If the credit inquiry is used to determine whether or not to use the credit card, the fee is deducted to the lessor from the amount corresponding to the rent, regardless of the payment for the settlement from the credit card company. Make a deposit
In this configuration, payment from the credit card company for the settlement is confirmed.
It has a configuration.

  With the rent settlement method according to the present invention, since the settlement of the lessor is performed with respect to the provider of the rental settlement method, the lessor does not individually contract with various credit card companies or renewal procedures. However, various credit card companies can be used, and the actual collection of the rent of the lessor is also performed by each credit card company, so that the burden of the lessor on collecting the rent can be reduced. Further, in the rental settlement method according to the present invention, the payment based on the settlement of the rent by the lessee to the lessor is made by the rental settlement method provider on the basis of the settlement date. Therefore, it is possible to simplify the management of the settlement status of the rent by the lessor.

  In addition, if the above rent settlement method is applied, the renter moves to a public place in order to be able to make a credit card settlement from his / her personal computer, tablet, mobile phone, or other terminal device via the Internet. It is not necessary to make payments, and credit card payments can be performed easily and safely. Furthermore, if the above rent settlement method is applied, the lessee can make a payment from a variety of credit card companies using a credit card of a desired credit card company, thereby improving the convenience for the lessee. .

  In addition, if the above rent settlement method is applied, a predetermined commission can be reliably obtained with the credit card settlement of the rent of the lessor. Furthermore, if the above rent settlement method is applied, the actual collection of the rent of the lessor is performed by each credit card company, and there is no risk even if the payment to the lessor is advanced, so it is stable. A rent settlement method can be provided.

In the above rent settlement method according to the present invention,
In the payment to the lessor, if the scheduled payment date for the settlement from the credit card company is later than the scheduled payment date to the lessor, the amount according to the rent is optional. Can be replaced by the amount after deducting the commission.

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

In the above rent settlement method according to the present invention,
The amount corresponding to the rent is the amount of the rent, and the amount to be paid to the lessor at the time of payment to the lessor is obtained by subtracting the agency fee and the card fee to the credit card company from the rent. The first commission system, which is an amount corresponding to the rent, and the amount corresponding to the rent is an amount obtained by adding the agency fee to the rent, and the amount to be paid to the lessor in the payment to the lessor is An arbitrary fee system can be selected from a plurality of types of fee systems including a second fee system which is an amount obtained by subtracting a card fee for the credit card company from the rent.

  With this configuration, there are various types of tenants, such as renters who want to gain convenience even if they pay a surcharge added to the rent, and lenders who want to acquire a resident even if they pay a surcharge that is added to the rent. Can flexibly respond to human usage requests.

In the above rent settlement method according to the present invention,
According to a predetermined input via the Internet from a terminal device owned by the lessor, the information relating to the settlement is referred to and the settlement status of the lessee is disclosed so as to be confirmed by the lessor. be able to.

  With this configuration, the rent settlement can be performed almost in real time, even though the rent is settled by the lessee without the intervention of the renter. The date and the amount of money to be paid by the system provider can be accurately predicted, so that the lessor can stably manage the funds.

In the above rent settlement method according to the present invention,
The settlement by the lessee is a settlement that repeatedly pays a fixed amount,
In accordance with an instruction from the terminal device owned by the lessor via the Internet, information that specifies the fixed amount as the scheduled rent is recorded,
A configuration may be adopted in which the planned rent and the rent input at the time of settlement are checked for identity.

  With this configuration, it is possible to prevent the lessee from performing the settlement with the wrong amount, and thus it is possible to prevent the occurrence of complicated procedures for re-executing the settlement, refunding the excess, or refunding the shortage. As a result, the management of the settlement status of the rent by the lessor can be further simplified.

  Hereinafter, a specific embodiment of the rent settlement system according to the present invention will be described in detail. A specific example of a settlement system and a settlement method for settlement of rent such as rent and store charges by credit card will be described in detail with reference to FIGS. 1 to 5, but the design may be appropriately designed without departing from the gist of the present invention. It may be changed. FIG. 1 is a correlation diagram schematically illustrating an example of a usage system of the payment system according to the embodiment of the present invention, and FIG. 2 is an example of a usage mode of the payment system according to the embodiment of the present invention. It is a block diagram.

(Embodiment 1)
As shown in FIG. 1, a rent settlement system (hereinafter, referred to as “settlement system”) 1 according to the first embodiment includes a database server 110, a web server 120, and a settlement processing server provided by a settlement agent 10. 130, a management server 140, and a terminal device of the administrator 11 that manages various servers, a settlement agent system 100 including a terminal device owned by the property owner 20 (corresponding to the “lessor” in the above), and a first occupancy. Terminal equipment owned by each resident (corresponding to “lessee” in the above) such as the user 31 and the second resident 32 and each credit card company (such as the first credit card company 41 and the second credit card company 42) (Corresponding to the “credit card company” in the above). In the settlement system 1, each renter who has a lease contract with the property owner 20 can use his / her own terminal device to issue a credit card issued by any credit card company to which the property owner 20 has registered as a member. This allows credit card payments.

  The settlement agency 10 has concluded a comprehensive agreement with various credit card companies including the first credit card company 41 and the second credit card company 42, and the property owner 20 has If a usage contract is concluded, each credit card company that has concluded a comprehensive contract with the settlement agency 10 can be registered as a member. Thereby, each resident including the first resident 31 and the second resident 32 can settle the rent with various credit cards.

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

  Here, the flow of credit card settlement will be briefly described. The first resident 31 and the second resident 32 perform settlement on the homepage established by the settlement agency 10 via the Internet. Along with this settlement, the settlement agency 10 makes a settlement request for settlement to the first credit card company 41 or the second credit card company 42, and makes a settlement from the first credit card company 41 or the second credit card company 42. You will have to wait for payment. In addition, the settlement agency 10 pays the property owner 20 an amount obtained by subtracting the commission for the first credit card company 41 and the second credit card company 42 and the commission for the settlement agency 10 from the rent. However, instead of waiting for payment from the first credit card company 41 or the second credit card company 42, the money is replaced and paid. In this settlement, the settlement agency system 100 performs the main processing.

  In order to use the settlement agent system 100, as shown in FIG. 2, the property owner 20 has been set in the settlement agent system 100 by the manager 11 (“property owner use setting” in the figure). Upon receiving a notice of information such as a use ID and a password (“notification of use permission information” in the figure), information on the property held by the property owner 20 and its room must be set in the proxy system 100. In addition, the property owner 20 transmits information such as a usage ID and a password for using the settlement agent system 100 to the first resident 31 and the second resident 32 from the terminal device owned by the owner 20. (“Resident use setting” in the figure) and notify the information (“Use permission information notification” in the figure). Note that the manager 11 can also perform various information settings to be performed by the property owner 20.

  As shown in FIG. 2, the payment agent system 100 includes a database server 110 that stores various information in a database, a web server 120 that can perform information communication via the Internet, and various main components related to credit card payment. The payment server 130 includes a settlement processing server 130 that performs processing and a management server 140 that manages the state of money movement, and operates in cooperation with each other. The database server 110, the web server 120, and the settlement processing server 130 are realized by, for example, a workstation, a personal computer, or another computer device.

  First, in the database 111 of the database server 110, as shown in FIG. 3A, a database is created for each property owner who uses the settlement agency system 100. Regarding the property owner 20, property owner information (“owner information A” in the figure) and property information (“property information A1” in the figure, which is information specific to each property owned by the property owner 20) "Property information A2" etc., and each piece of property information is linked (associated) with property owner information (specifically, an owner code to be described later: see FIG. 3B) and a database 111.

  As shown in FIG. 3 (B), the property owner information may be obtained by assigning the property owner 20 to another property owner (“owner information B” or “owner” in the figure) on the settlement agency system 100. Information C), a name of the property owner 30, a use ID for using the settlement agent system 100, and a password associated with the use ID. And various kinds of information included in the property owner information are linked to the owner code.

  As shown in FIG. 3C, each piece of property information includes a property identification number for identifying each property, a property name, and room information (FIG. 3C) that is unique information on each room of the property. And “room information 1”, “room information 2”, etc.), and various types of information included in the property information are linked to the property identification number.

  Further, as shown in FIG. 3D, each room information includes a room identifier for identifying each room in the same property, a resident name, and the resident uses the settlement agent system 100. And a password associated with the use ID, and payment information (eg, “payment information 1” and “payment information 2” in the figure) representing information on each payment. Various types of information included in the information are linked to the room identification name.

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

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

  The input accepting unit is a functional unit that accepts an input necessary for settlement when the use is permitted by a use ID for a resident such as the first resident 31 or the second resident 32 (“settlement accepting function unit” in the figure: In order to display the settlement history of the resident who is permitted to use, based on the above “settlement accepting means” and the settlement information in the database 111 (see FIGS. 3 (D) and 3 (E)). (A "payment history confirmation receiving function unit" in the figure).

  In addition, when the use is permitted with the use ID for the property owner such as the property owner 20, the input reception unit performs an input for issuing a new use ID and a password to a new resident, or the first input. A function unit that accepts an input for reissuing a new use ID and password to an existing resident such as the resident 31 and the second resident 32 (“resident use setting reception function unit” in the figure), a database A function unit (see FIG. 3A) for newly registering new property information (see FIG. 3A and FIG. 3C) in 111 and changing input of existing property information in the database 111. The property setting reception function section ”), room information (see FIG. 3C and FIG. 3D) newly registered in the database 111, and input for changing existing room information in the database 111 are input. Accepted functions It contains ( "room setting receiving function unit" in the figure). In addition, if the use is issued with the use ID issued to each property owner such as the property owner 20, the input reception unit has a lease contract with the permitted property owner. A function unit that accepts an input for confirming the settlement status of some or all of the tenants based on the settlement information (see FIGS. 3D and 3E) in the database 111 (“Payment status in FIG. Confirmation reception function unit ”).

  In addition, when the use is permitted by the use ID for the manager 11, the input reception unit performs an input for issuing a new use ID and a password to a new property owner, and an input for issuing a new property ID or a password to the property owner 20 or the like. Of the property owner ("Resident use setting reception function section" in the figure) for receiving an input for reissuing a new use ID and password to the property owner. When the use is permitted by the use ID for the manager 11, all the functions available to each property owner such as the property owner 20 can be used.

  Next, as shown in FIG. 2, the settlement processing server 130 cooperates with a credit card company such as the first credit card company 41 or the second credit card company 42 to determine the validity of the credit card and the credit limit. It has a credit inquiry unit that checks whether there is room for the settlement amount. Specifically, when information necessary for settlement is input, the credit inquiry unit, among the information, information necessary for credit determination, for example, information on credit card number, validity period, rent (settlement amount) To a credit card company to make a credit inquiry.

  Further, as shown in FIG. 2, when the credit card company notifies the credit card company of the credit card use permission determination by the credit inquiry, as shown in FIG. A payment request section (corresponding to the above-mentioned "payment request means") is provided for requesting payment by transmitting information such as a security code in addition to necessary information. When the settlement request to the credit card company is completed, the payment is awaited from the credit card company. In this embodiment, the first credit card company 41 makes a payment to the settlement agency 10 three days after the settlement request is made, and the second credit card company 42 makes a payment for the next settlement. Claims up to the closing date are accumulated, and payment is made to the settlement agency 10 ten days after the next closing date.

  Further, the settlement processing server 130 includes a settlement report unit (corresponding to the above-mentioned “payment recording unit”) that records various kinds of information related to settlement in the database 111 of the database server 110. For example, the payment recording unit records the payment amount, the payment date and time, and the status as payment information in the database 111 (see FIGS. 3E and 3F).

  Further, the settlement processing server 130 determines the amount to be paid to the property owner 20 for each settlement, totals the amount to be paid for the settlement performed in a predetermined period for each property owner, and makes a deposit. It is provided with a payment management unit (corresponding to a part of the above-mentioned "payment payment means") for adjusting a due date. In this embodiment, the advance management unit tallies the settlements made on the same day for each property owner, and transmits to the management server 140 the information on the total amount tallied together with the detail data of each settlement on the next day. Here, the first credit card company 41 pays at least three days after the date on which each payment was made, and the second credit card company 42 pays at least 10 days after the date on which each payment was made (payment). In order to complete the settlement, the settlement agency 10 replaces all the amounts to be paid to the property owner 20 with respect to all settlements requested to be settled by the first credit card company 41 or the second credit card company 42. You will be paid.

  Next, as shown in FIG. 2, the management server 140 accumulates information related to the advance sent from the settlement processing server 130, and based on the information, performs the unsettled settlement, the settled settlement, and the like. A payment status management unit (corresponding to a part of the above “payment payment means”) for identification and management is provided. The information accumulated as settlements scheduled to be replaced by the reimbursement status management department transmits the information on the total amount of reimbursement for each property owner to the Electronic Banking Center of financial institutions, and from the account of the settlement agency 10 By instructing remittance to the customer's account, the payment is recorded as advanced payment. The financial institution Electronic Banking Center that has received the remittance instruction completes the remittance on the day.

  In addition, the management server 140 further includes a payment status management unit (corresponding to the above-mentioned “payment confirmation means”) for identifying and managing payments that have not been settled and payments that have been settled with respect to payments that have been paid. . In the payment status management unit, the settlement that has not been settled is periodically performed by the credit card company (in the present embodiment, every day in the first credit card company 41, and once a month in the second credit card company 42). ) Based on the deposit, recorded as a cleared settlement.

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

  When the first resident 31 accesses the homepage of the settlement agent 10 using his / her own terminal device, the use permitting unit 121 (see FIG. 2) starts the use permitting process 121, and the first resident 31 , A login screen is presented, and an input of a usage ID and a password is requested (“login request” in FIG. 5). When the first resident 31 inputs the usage ID and password from the terminal device (“login information input” in FIG. 5), the usage ID and password registered in the database 111 of the database server 110 (see FIG. 2) (FIG. 3) (D) is determined, and if it is the same, the use of the settlement agency system 100 is permitted. Accordingly, the use permission process 121 ends, and the function selection reception process 122 for exhibiting the function selection reception function by the input reception unit (see FIG. 2) is started. If they are not the same, the use of the settlement agent system 100 is not permitted, an error is notified to the first resident 31, and the input of the use ID and the password is requested again.

  When the function selection accepting process 122 is started, the screen is shifted from the login screen to the main menu screen, and the first resident 31 selects whether to make a payment or check the payment history (“function selection request” in FIG. 5). ). Upon receiving an input from the terminal device of the first resident 31 indicating that payment is to be made (“payment function selection input” in FIG. 5), the function selection receiving process 122 is terminated, and the payment for displaying the payment receiving function is performed. The reception process 123 is started. If the user selects to confirm the settlement history, a settlement history confirmation accepting process (not shown) that starts the settlement history confirmation accepting function (see FIG. 2) is started.

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

  When the credit inquiry processing 131 is started, information necessary for the credit inquiry (hereinafter also referred to as “credit inquiry information”), specifically, the rent as a settlement amount together with the input card number and expiration date information Is transmitted to the designated first credit card company 41 (“Credit inquiry information transmission” in FIG. 5), and waits for the judgment result of the credit examination. The first credit card company 41 that has received the information from the payment processing server 130 permits the use of the credit card when the credit card is valid and the credit line has a remaining amount corresponding to the payment amount. The use permission information to the effect is transmitted to the settlement processing server 130 (“transmission of use permission information” in FIG. 5). In the case where the credit card is invalid or the credit line has no remaining amount corresponding to the payment amount, information indicating that the use is not permitted is transmitted to the payment processing server 130 (not shown). When the credit card use permission information is received, the credit inquiry process 131 ends, and subsequently, the settlement request unit 132 (see FIG. 2) starts the settlement request process 132.

  When the settlement request processing 132 is started, information necessary for the settlement request (hereinafter also referred to as “payment request information”), specifically, information necessary for the credit check, a security code and a requester Information of a certain settlement agency 10 (for example, the name of the settlement agency, a member store number, etc.) is transmitted to the first credit card company 41 (“transmission of settlement request information” in FIG. 5). Thereby, the settlement of the settlement is charged to the first credit card company 41. In this embodiment, in addition to the information of the settlement agent 10, the information of the property owner 20 extracted from the database 111 (for example, the owner name (see FIG. 3B)) and the settlement of the rent Is also transmitted to the first credit card company 41. Then, it is the payment agent 10 that actually requests the settlement of the payment, but the first resident 31 recognizes what the payment is for. In order to facilitate the payment, the bill etc. from the first credit card company 41 to the first resident 31 may include the property owner 20 instead of the settlement agency 10 as the use destination, or the rent The payment request is settled by transmitting the payment information to the first credit card company 41. In addition, the settlement to the first credit card company 41 is completed. After the transmission of the information, information (payment completion information) indicating that the payment has been completed is transmitted to the web server 120 (“payment completion information transmission” in FIG. 5), and the settlement request processing 132 ends. Receives the payment completion information from the payment processing server 130, notifies the first resident 31 that the payment has been completed (“payment completion notification” in FIG. 5) and ends the payment from the first resident 31 Waiting for an input to do so, the settlement acceptance process 123 ends according to the input.

  Subsequent to the settlement request process 132, a payment recording process 133 (see FIG. 2) is performed by the payment recording unit 133, and the information of the company name, card number, and expiration date of the first credit card company 41 input in the payment receiving process 123 is stored. It is recorded in a predetermined area of the database 11 (“payment information record” in FIG. 5). The settlement amount is recorded in the item of the settlement amount in the database 111 (see FIG. 3E). Further, a settlement date and time when the settlement is executed (see FIG. 3E) and a status indicating the state of the execution result (see FIG. 3E) are also recorded. It should be noted that the personal information to be kept highly confidential such as the type of credit card used, the card number, and the expiration date is stored in an area different from the database 111 in the database server 110, and is referred to when necessary. Even if there is, a part of it is masked and displayed to protect personal information.

  Subsequent to the payment recording process 133, the payment management unit 134 (see FIG. 2) starts the payment management process 134, and the card fee of the first credit card company 41 for the rent as the payment amount (5% of the payment amount in this embodiment) ) Is calculated and the card fee and the agency fee of the settlement agency 10 (500 yen in this embodiment, irrespective of the settlement amount) are subtracted from the rent as the settlement amount, whereby the scheduled replacement amount for the settlement (property ownership) Payment amount to the person 20). The settlement is recorded in the database 111 as a settlement-unsettled settlement (“exchange-unsettled information record” in FIG. 5), and the process is temporarily terminated. As a result, it is necessary to wait until the next day when the payment is actually made. Then, on the next day, the advance management processing 134 is resumed, and information on the unsettled settlement is extracted from the database 111 (“extraction unsettled information extraction” in FIG. 5), and all the information on the property owner 20 performed on the previous day is acquired. The total amount of the scheduled reimbursement amount related to the settlement is calculated, and information on the calculated total amount is transmitted to the management server 140 together with the individual information on each settlement targeted for the current reimbursement (see “Reimbursement target of FIG. 5”). Information transmission ").

  When the management server 140 receives the information on each settlement to be refunded this time and the information on the total amount of the scheduled rebate amount related to the settlement, the rebate situation management unit 141 (see FIG. 2) starts the rebate situation management processing 141. In addition to accumulating the received information, the information on the total amount of reimbursement for each property owner, the information on the account of the settlement agent 10 that is the remittance source, and the information on the account of the property owner 20 that is the remittance destination are stored in the electronic The remittance is transmitted to a banking center (not shown) to instruct remittance (“instruction to remit to financial institution” in FIG. 6), and each settlement targeted for reimbursement is recorded as reimbursed settlement. The financial institution Electronic Banking Center, which has received the remittance instruction, completes the remittance on the day, thereby completing the payment to the property owner 20 ("advance payment" in FIG. 6). With the completion of the recording of the payment completed, the payment status management processing 135 ends, and the payment from the first credit card company 41 to the payment agent 10 is awaited. From the first credit card company 41, three days after the settlement date, the settlement amount, that is, the payment amount obtained by subtracting the card fee from the rent as the settlement amount, is received via the financial institution Electronic Banking Center. Will be performed.

  Upon receiving the payment details information transmitted from the first credit card company 41 in accordance with the payment from the first credit card company 41 to the settlement agent 10, the payment status management unit 142 (see FIG. 2) receives the payment status management processing 142. Is started, and with respect to the settlement included in the payment details information, the settlement recorded as the settlement that has not been settled is recorded as the settlement that has been settled. The settlement agency 10 can obtain, as the agency fee, an amount obtained by subtracting the reimbursement amount from the settlement amount by receiving the settlement amount of the settlement from the first credit card company 41.

  Next, the settlement by the second resident 32 will be described. This is the same as the case of the settlement by the first resident 31 except that the second resident 32 performs settlement with the second credit card company 42. The first credit card company 41 performs a payment each time a settlement request is made (each settlement mode), and deposits three days after the settlement request date, whereas the second credit card company 42 executes payment at the end of the month. Are settled together in one month as a closing date (payment mode), and payment is made 10 days after the closing date. Accordingly, for the settlement on the same day, the settlement payment date from the second credit card company 42 to the settlement agency 10 and the scheduled settlement date from the first credit card company 41 are different. The scheduled date of the settlement payment from the second credit card company 42 is later than the settlement agency business 10 by the settlement date to the property owner 20, similarly to the scheduled settlement date from the first credit card company 41. In other words, regardless of the settlement date by the second resident 32, the payment to the property owner 20 related to the settlement will be replaced by the settlement agent 10, which is substantially the same as the case shown in FIG. Will be processed according to the flow.

  In the settlement system 1 described above, by making use of credit card settlement, the collection of rent from residents such as the first tenant 31 and the second tenant 32 can be performed by the first credit card company 41. Or a credit card company such as the second credit card company 42. Also, if a contract is made with the settlement agent 10, credit card settlement for various credit card companies that have a comprehensive contract with the settlement agent 10 can be used, and contracts with and maintenance of each credit card company can be made. Such complicated procedures become unnecessary. Furthermore, in order for each resident, such as the first resident 31 and the second resident 32, to be able to use the credit card payment of various credit card companies, the rent payment by each resident can be made by credit card payment. Use can be promoted. Thus, the burden of collecting the rent on the property owner 20 can be reduced.

  In the case of the above settlement system 1, the property owner 20 can make a payment in advance by the settlement agency 10 based on the settlement date of the credit card settlement by the resident, regardless of the settlement mode of the credit card company. In addition, the period from the settlement date to the date of advance payment is fixed and earlier. This provides the property owner 20 with an environment that can simplify the management of the settlement status.

  With the above-described settlement system 1, even if the settlement agency 10 makes a payment to the property owner 20 on the basis of the settlement date of the credit card settlement by the resident, regardless of the settlement mode of the credit card company. The credit card company is responsible for collecting the rent from the actual resident, so the agency fee can be secured without risk. As a result, the settlement agency 10 can obtain stable profits.

  In the settlement system 1 described above, the property owner 20 bears the agency commission to the settlement agency 10, but the profit margin decreases, but the competitiveness of the neighboring property increases and the occupancy rate improves. It can provide an environment where it can be done.

  According to the settlement system 1 described above, the property owner 20 bears the agency fee for the settlement agency 10 and therefore, the rent payment is highly convenient for the resident, but the credit card settlement is performed. An environment without any disadvantage can be provided.

(Embodiment 2)
The settlement system according to the second embodiment will be described with reference to FIGS. It is to be noted that the same parts as those in the first embodiment are denoted by the same reference numerals, and the description thereof will not be repeated. Only different parts from the first embodiment will be described in detail. . FIG. 6 is a block diagram showing an example of a use mode of the settlement system, and FIGS. 7A and 7B are block diagrams showing a structure of a database.

  In the settlement system 2 according to the second embodiment, as shown in FIG. 6, a database 211 different from the database 111 according to the first embodiment is constructed in the database server 110, and a rent is set in the settlement processing server 230. It is provided with a fee determining unit that determines a fee to be added to the fee. Unlike the configuration in which the property owner 20 bears the agency fee regardless of the resident as in the first embodiment, the agency fee is reduced. In this configuration, it is possible to select whether the property owner 20 bears the cost, each resident bears the cost, and whether the property owner 20 and each resident split in half.

  As shown in FIG. 7A, the database 211 includes, as property information, a credit card settlement in addition to a property identification number, a property name, and room information (room information 1, room information 2, etc. in the figure). The fee information associated with each piece of property identification information for determining the fee applied when performing the above is included. Note that the database 111 of the first embodiment does not include fee information (see FIG. 3C). As shown in FIG. 7B, the fee information may be charged at a rate (fixed rate mode) according to the rent, or may be set at a fixed rate (fixed rate mode) or stepwise according to the rent regardless of the rent. A charging mode identification value for identifying whether to charge at a fixed rate (step fixed rate mode) that changes gradually, a rate when charging at a rate, and a range of rent at each stage when changing stepwise are determined. It consists of a range setting (range setting 1, range setting 2, etc.) and a fee applied at each stage. For example, when the rate is set to “5.00”, 5% of the rent becomes the commission. If “100000” and “1000” are set in the range setting 1 and the fee 1 and “50000” and “500” are set in the range setting 2 and the fee 2, the price exceeds 50,000 yen and is 100000 yen or less. For a rent of 1,000 yen, and a fee for a rent of 50,000 yen or less is 500 yen. Note that when charging in the fixed rate mode is specified by the charging mode identification value, the items of each range setting and each fee are not set, and conversely, the charging mode identification value is set in the fixed amount mode or the step fixed rate mode. Is not set, the charge item is not set.

  Specifically, for example, for each resident occupying a property for which the charging mode identification value is “1” and the rate is set to “0.00”, when performing credit card settlement, The fees other than the rent are not added, and the rent itself becomes the settlement amount, and the agency fee is borne by the property owner 20. In addition, for each occupant occupying a property whose billing mode identification value is “1” and the rate is set to a value other than “0.00”, the sum of the rent and the commission is the settlement amount. Become. In this case, assuming that the agency fee for the settlement agency 10 is the amount obtained by multiplying the rent by a predetermined rate, if the commission rate is set to be the same as the agency fee rate, the agency fee is calculated for each tenant. If the fee rate is set to “0.00” or more and less than the agency fee rate, the agency fee will be shared between the property owner 20 and each resident. .

  Further, for example, the charging mode identification value is set to “2”, the range setting is only one, a value that is equal to or more than the highest rent in the property is set as the setting range, and the commission is set to “0”. For each tenant occupying the property, the rent itself becomes the settlement amount without adding any fees other than the rent, and the property owner 20 bears the agency fee. Also, the charging mode identification value is set to “2”, the range setting is only one, and a value that is equal to or greater than the highest rent in the property is set as the setting range, and the commission is set to a value other than “0”. For each tenant occupying the property, the sum of the rent and the commission is the settlement amount. In this case, assuming that the agency fee for the settlement agency 10 is a predetermined amount not depending on the rent, if the commission is set to be the same as the agency fee, the agency fee will be borne by each resident. If the commission rate is set to “0” or more and less than the agency fee, the agency fee is split between the property owner 20 and each resident. In the case where the agency commission for the settlement agency 10 is the amount obtained by multiplying the rent by a predetermined rate, the amount shared between the two can be adjusted by charging in an appropriate fixed amount mode or a fixed rate in steps, or the settlement agency If the agency fee for 10 is a predetermined amount not depending on the rent, it is also possible to adjust the share between the two by charging according to an appropriate rate mode.

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

  Here, a detailed settlement mode of the settlement system 2 will be described with reference to FIGS. 8 and 9. FIG. 8 is a block diagram illustrating an example of a functional configuration of the payment processing server, and FIG. 9 is a sequence diagram illustrating a payment mode in the payment system. In the following, the third resident 33 (see FIG. 6) is a resident of a property different from the first resident 31 (see FIG. 6), and the property in which the first resident moves is in the first embodiment. As in the case of the above, the property owner 20 is set to bear the agency fee, and for the property occupied by the third resident 33, the agency fee is set to be borne by the third resident 33. And In addition, the third resident 33 performs settlement using a credit card issued by the third credit card company 43, and the third credit card company 43 sets the closing date at the end of the month, and the settlement agent 10 Will be paid. Further, the payment processing server 230 performs processing so that the property owner 20 is paid on the day following the closing date six times a month.

  Until the rent is input by the third resident 33 in the settlement receiving process 223, the process is the same as that in the first embodiment. In the settlement receiving process 223, when the rent is input by the third resident 33 and an input for confirming the input is performed, the input rent information is transferred to the payment processing server 230 (see FIG. 9). "Rent transfer").

  When the payment processing server 230 receives the rent information input by the third resident 33 from the web server 120, the payment processing server 230 starts the fee determination processing 135 for displaying the fee determination function. When the fee determination process 135 is started, a request is made to the database 211 to read the fee information (see FIG. 7B) set for the property in which the third resident 33 is occupying (FIG. 9B). ("Request fee information"), and extracts fee information from the database 211 ("Request fee information" in FIG. 9). In the present embodiment, the property in which the third resident 33 is occupied is set as “1” that specifies the charging in the rate mode as the charging mode identification value (see FIG. 7B). As shown in FIG. 7B), since the same predetermined rate as the agency fee is set, the fee is determined by multiplying the rent by the predetermined rate. Further, the final settlement amount in this settlement is determined to be the sum of the rent and the commission. The information of the determined fee and the payment amount is transmitted to the web server 120 (“transmission amount / fee transmission” in FIG. 9), and the fee determination process 135 ends.

  When the web server 120 receives the information of the commission and the payment amount, the payment server 223 notifies the third resident 33 of the information in the payment receiving process 223 (“notice amount” in FIG. 9), and the type of the credit card to be used. And input of the card number, the expiration date, and the security code ("card information request" in FIG. 5). Subsequent steps are the same as in the first embodiment.

  For the first occupant 31, “1” that designates the charging in the rate mode is set as the charging mode identification value (see FIG. 7B) for the property in which the first resident 31 is occupying. In addition, since “0.00” is set as the rate (see FIG. 7 (B)), there is no additional commission, and the rent itself is Settlement amount.

  In the reimbursement management process 234, the card fee of the third credit card company 43 for the settlement amount (rent and commission) is calculated, and the card fee and the agency commission of the settlement agency 10 are subtracted from the settlement amount to obtain the payment amount. The scheduled replacement amount (payment amount to the property owner 20) is determined. The settlement is recorded in the database 111 as a settlement-unsettled settlement (“exchange-unsettled information record” in FIG. 5), and the process is temporarily terminated. As a result, the user waits until the day after the closing date for performing the advanced payment. Then, on the day following the closing date (“Later A” in FIG. 9), the reimbursement management process 234 is restarted, and the reimbursement amount related to all settlements for the property owner 20 performed in the previous five days including the settlement is performed. The total amount is calculated, and information on the calculated total amount is transmitted to the management server 140 together with information on each settlement targeted for the current payment. In the present embodiment, the third credit card company 43 makes payment to the settlement agent 10 for the settlement in the last month during the last month because the payment is made on the first day of the following month (“later date B” in FIG. 9). In the case of settlement near the end of the month, the third credit card company 43 may make payment to the settlement agent 10 earlier than the settlement agent 10 deposits to the property owner 20. For most payments, payment by the payment agent 10 to the property owner 20 is earlier than payment by the third credit card company 43 to the payment agent 10, and is performed by the payment agent 10 in advance. .

  The settlement system 2 according to the second embodiment has the same effects as those described for the settlement system 1 according to the first embodiment.

  Further, in the case of the settlement system 2, the share of the agency fee by the occupants such as the property owner 20, the first occupant 31, and the third occupant 33 can be adjusted for each property. Demands for tenants who want the convenience of credit card payment even if they bear the burden, and property owners who want to increase the occupancy rate of the property even if they bear all or part of the agency fee. It can respond appropriately.

  In addition, in the case of the settlement system 2, since the payment to the property owner 20 relating to each settlement performed within a predetermined short period (about one week) is collectively performed, the property owner without significant delay It is possible to reduce the burden of the tallying work by the property owner 20 while paying the money to the property 20, and also to reduce the burden of the work of confirming the payment by the property owner 20. Thereby, the management of the settlement status of the rent can be further simplified.

  In the settlement system 2 described above, the agency fee for the settlement agent 10 is paid by the property owner 20 for the settlement by the first resident 31, and the third resident 33 is settled by the third resident 33 for the settlement. Although the configuration in the case where the burden is paid has been described, a configuration in which both the property owner 20 and the first resident 31 or the third resident 33 share the configuration may be adopted.

  Further, in the settlement system 2 described above, the configuration in which the replacement payment to the property owner 20 is collectively performed six times a month has been described, but the payment is collectively performed at another number of times, for example, three times a month or once a week. An embodiment can also be adopted. In addition, it is also possible to adopt a configuration in which the mode of the advanced payment differs for each property owner. With this configuration, it is possible to improve the convenience of managing the settlement status, and it is possible to provide individually suitable environments for various property owners.

  In the settlement system 1 or 2 described above, settlement is performed with the settlement amount based on the rent input from the terminal device of each resident, but the rent is set in the database 111 for each resident, The configuration may be such that the set amount is compared with the rent input from each resident's terminal device, and the procedure can be continued only when the rent is the same. With this configuration, it is possible to prevent the lessee from performing the settlement with the wrong amount, and thus it is possible to prevent the occurrence of complicated procedures for re-executing the settlement, refunding the excess, or refunding the shortage. As a result, the management of the settlement status of the rent by the lessor can be further simplified. Alternatively, a configuration may be employed in which the rent is automatically displayed based on the rent set in the database 111. With this configuration, it is possible to more easily prevent the lessee from performing settlement with an incorrect amount.

  In addition, in the above settlement systems 1 and 2, information regarding the credit card must be input from the terminal device of each resident, but the information used in the previous successfully completed settlement is recorded, and A configuration in which recorded information is automatically displayed may be employed. With this configuration, the settlement procedure can be simplified.

  Further, in the above-described settlement systems 1 and 2, a configuration may be employed in which various types of information can be input by voice. Further, a configuration may be adopted in which part or all of necessary information is automatically input by uttering a predetermined keyword instead of specific information. With this configuration, the lessee can input highly confidential personal information by voice, so that the lessee can easily enter necessary information without concentrating on the screen. Necessary information can be input without uttering itself, so that personal information can be input safely even if payment must be made in an environment where others are present.

  Further, in the above-described settlement systems 1 and 2, the case where the settlement agency system 100 includes the database server 110, the web server 120, the settlement processing server 130, and the management server 140 has been described. A configuration in which the functions are divided by a plurality of servers, or a configuration in which the functions of the plurality of servers are integrated into one server can also be adopted.

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

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

Claims (12)

A settlement agent system that uses a terminal device of a lessee holding a credit card issued by a credit card company and settlement of rent to the lessor using the credit card information input from the lessee terminal device. A rent settlement system including
The settlement agent system,
Settlement accepting means for accepting input of information necessary for settlement including the information of the credit card and the rent to be paid to the lessor from the lessee via the Internet, without passing through the lessor,
Credit reference means for performing a credit reference to the credit card company based on the credit card information and the information on the amount according to the rent,
A settlement requesting unit for requesting the credit card company to settle the settlement when the credit reference is obtained by using the credit card;
Payment recording means for recording information on the payment including at least a part of the information necessary for the payment,
If the credit inquiry is used to determine whether or not to use the credit card, the fee is deducted to the lessor from the amount corresponding to the rent, regardless of the payment for the settlement from the credit card company. Advance payment means for depositing the amount
Payment confirmation means for confirming payment related to the settlement from the credit card company,
Of the agency fees for the settlement included in the arbitrary fee, as fee information for determining the burden of the lessee, information for designating a fixed amount regardless of the rent, and specifying a flat rate according to the rent And fee information storage means for storing, for each property owned by the lessor, at least one type of information out of information specifying a rate according to the rent,
Fee information setting means for setting the fee information,
Depending on the rent of the input as a part of the information required for the payment by the lessee, only contains the fee determining means for determining on the basis of the burden of the lessee to the commission information,
According to the setting of the fee information via the Internet from the terminal device of the lessor, for each property, a lessee burden mode in which the lessee bears the agency fee, a lease in which the lessor bears the agency fee A rent settlement system , wherein a person-paid manner and a case where the agency fee is apportioned between the lessor and the lessee, and can be set to any one of a plurality of kinds of apportioning modes having different apportioning ratios. . The credit card company includes a transfer management unit that manages a transfer time to the lessor by selecting one type of collection period from a plurality of types of collection periods including a period shorter than the settlement period related to the settlement in the credit card company. ,
2. The rent settlement system according to claim 1, wherein the reimbursement management unit collectively performs payment related to settlement within the selected summarization period. 3. The replacement payment means may include an optional fee from an amount corresponding to the rent when the scheduled payment date for the settlement from the credit card company is later than the scheduled payment date to the lessor. rent payment system according to claim 1 or 2 pay in advance the amount obtained by subtracting the. In the aspect of the lessor's burden, the amount corresponding to the rent is the amount of the rent, and the amount deposited to the lessor in the advanced payment means is the transfer fee and the credit card from the rent. the first commission system is the amount obtained by subtracting the card fee to the company, even before Symbol lessee burden aspect, a forehead that amount in accordance with the rent plus the agency fee to the rental fee, the reimbursement A second fee structure in which the amount paid to the lessor by the depositing means is an amount obtained by subtracting a card fee for the credit card company from the rent, and an amount corresponding to the rent in the proportional distribution mode. Is the sum of the rent and the amount borne by the lessee, and the amount deposited to the lessor in the advanced payment means is the rent from the agency fee out of the agency fee. 4. The system according to claim 1, further comprising a fee system selecting means for selecting an arbitrary fee system from a plurality of types of fee systems including a third fee system which is an amount obtained by subtracting a burden amount of said credit card company and a card fee for said credit card company. rent settlement system according to any one. In response to a predetermined input from the terminal device held by the lessor via the Internet, the lessor confirms the settlement status of the lessee by referring to the information on the settlement recorded by the settlement recording means. Settlement status disclosing means for disclosing information,
The rent settlement system according to any one of claims 1 to 4 , further comprising: The settlement by the lessee is a settlement that repeatedly pays a fixed amount,
Scheduled rent recording means for recording information specifying the fixed amount as the scheduled rent, in accordance with an instruction via the Internet from a terminal device owned by the lessor,
Rent confirmation means for confirming identity between the scheduled rent recorded by the scheduled rent recording means and the rent received by the settlement receiving means,
The rent settlement system according to any one of claims 1 to 5 , further comprising: A rent settlement method for performing settlement for a lessor by a lessee holding a credit card issued by a credit card company using the information of the credit card,
Accepting input of information necessary for settlement including the information of the credit card and the rent to be paid to the lessor from the lessee via the Internet, without going through the lessor;
Based on the information of the credit card and the information of the amount according to the rent, make a credit inquiry to the credit card company,
When the credit inquiry is used to determine the credit card use permission, the credit card company requests settlement of the settlement,
Record information related to the payment including at least a part of information required for the payment,
If the credit inquiry is used to determine whether or not to use the credit card, the fee is deducted to the lessor from the amount corresponding to the rent, regardless of the payment for the settlement from the credit card company. Make a deposit
Confirm the payment related to the payment from the credit card company,
Of the agency fees for the settlement included in the arbitrary fee, as fee information for determining the burden of the lessee, information for designating a fixed amount regardless of the rent, and specifying a flat rate according to the rent And at least one type of information out of the information specifying the rate according to the rent is stored for each property owned by the lessor,
Set the fee information,
In accordance with the input of the rent as a part of the information required for the settlement by the lessee, determine the burden of the lessee based on the fee information,
According to the setting of the fee information by the lessor, for each of the properties, a lessee burden mode in which the lessor bears the agency fee, a lessor burden mode in which the lessor bears the agency fee, and the agency rent payment computer executes, characterized in that it can be set to any aspect of the apportioning embodiment of a plurality of types having different apportioning ratio in the case of apportioning fees between the lessee and the lessor. By selecting one type of summarizing period from a plurality of types of summarizing periods including a period shorter than the settlement period related to the settlement in the credit card company, managing the turnover time to the lessor,
8. The rent settlement method executed by a computer according to claim 7, wherein, in the deposit to the lessor, payment relating to settlement within the selected period is collectively performed . In the payment to the lessor, if the scheduled payment date for the settlement from the credit card company is later than the scheduled payment date to the lessor, the amount according to the rent is optional. 9. The computer-implemented rent settlement method according to claim 7 or 8 , wherein the amount obtained by subtracting the commission is replaced. A the lessor burden aspect, is the amount of the amount corresponding to the rent is the rent, card fees amount to be credited to the previous Symbol lessor from the lease fee for the credit card company and the agency commission the first commission system is the amount obtained by subtracting the door, even before Symbol lessee burden aspect, a forehead that amount in accordance with the rent plus the agency fee in the rent, payment before Symbol lessor A second fee system in which the amount to be paid is the amount obtained by subtracting a card fee to the credit card company from the rent, and the apportionment mode, wherein the amount corresponding to the rent is the rent is the amount obtained by adding a burden of, the amount obtained by subtracting the card fee for the credit card company and the lessor of the burden of the said from the amount to be credited to the previous Symbol lessor the rent agency fees Rent settlement method computer according to execute any one of claims 7 to 9 which can select any commission structure of a plurality of types of fee structures containing certain third fee structure.
8. A method according to claim 7 , wherein said lessor setstle the settlement status of said lessee by referring to said settlement information in response to a predetermined input from a terminal device owned by said lessor via the Internet. A rent settlement method executed by the computer according to any one of claims 10 to 10 . The settlement by the lessee is a settlement that repeatedly pays a fixed amount,
In accordance with an instruction from the terminal device owned by the lessor via the Internet, information that specifies the fixed amount as the scheduled rent is recorded,
The rent settlement method executed by a computer according to any one of claims 7 to 11 , wherein the sameness between the scheduled rent and the rent inputted at the time of the settlement is confirmed.

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