KR102099537B1 - System and method for guarantee support and management of real estate and rental goods - Google Patents

Abstract

The present invention provides a system for supporting and managing a guarantee of real estate and rental products. According to the present invention, the system for supporting and managing a guarantee comprises: a member management unit to provide a registration interface of a lessor and a lessee; a rental product registration unit to provide a registration interface of a rental product; a guarantee limit determination unit to use credit information of a lessee, collected from a credit information providing server, and consumption activity information of a lessee, collected from a consumption information providing server, to determine a guarantee limit for a registered lessee; and a contract brokerage unit to determine whether a contract approval standard set based on a guarantee limit of a lessee and a rental fee of a rental product is satisfied when a rental contract application is received with rental product information from a lessee terminal. According to the present invention, a service operator guarantees rental fee payment under a condition of no rental security deposit and performs a procedure such as debt collection as an agent. Therefore, a lessor becomes free from a rental fee arrearage risk and a lessee can escape from the economic burden of preparing a security deposit. Also, since a consumption activity index is incorporated when calculating a guarantee limit of a lessee, active consumption activities of a lessee are induced to promote overall consumption activities in society.

Description

System and method for guarantee support and management of real estate and rental goods}

The present invention relates to a method for guarantee support management of rentals of real estate and rental products, and specifically, when a tenant has not paid the rent, the service operator may pay the unpaid amount to the landlord instead and perform debt collection and management. And systems.

In general, in the case of renting expensive goods such as real estate and automobiles, the tenant often enters into a lease contract that pays the monthly deposit and pays the pre-paid deposit to the landlord.

However, according to the conventional lease contract, there are some problems as follows.

First, from the landlord's point of view, there is a problem in that, in the event of a rental overdue, not only direct income reduction, but also the inconvenience of contacting or facing the tenant for rent promotion is required.

Second, there is a problem that it is not easy for a landlord to make a high profit by investing a deposit. This is because it is difficult to expect high returns due to recent low interest rates when investing in high-yielding high-risk financial products and returning deposits when the contract expires.

Third, the tenant's point of view is that there is a problem of increasing the economic burden since a large deposit must be provided.

In particular, those who cannot afford to borrow money from their parents or acquaintances are forced to borrow a deposit from a financial institution such as a bank, but loans from financial institutions depend on the individual's credit rating. It is bound to be difficult to use.

In addition, those who start social life with debt due to student loans, freelancers with irregular incomes (single-person broadcasters, writers, lecturers, etc.), or those working in new job groups, such as overdue or unhealthy economic activities Even though there is no reason to blame, the credit rating is set to 4 to 6 from the beginning because it is a thin filer that has insufficient credit information to judge. It is known that it is difficult to borrow a deposit.

Fourth, since the return on investment using the deposit belongs to the landlord, the tenant has a problem of losing the opportunity to generate the profit using the deposit.

Fifth, from the tenant's point of view, there is a problem in that, when the contract expires, the inconvenience and risk of delaying the return of the deposit must be taken. For example, if the landlord does not return the security deposit due to financial difficulties, the tenant has to take the time and money to file a complaint to file a rent claim.

For this reason, various methods have been introduced in recent years to improve the problems related to rental contracts.

As an example, Korean Registered Patent No. 10-1261226 introduces a method in which a financial institution loans an amount equivalent to a lease deposit in the name of a tenant under the guarantee of the guarantee institution, but deposits the loan as a tenant guarantee deposit in the tenant's name Doing.

As another example, Korean Registered Patent No. 10-1638375 introduces an intermediary service that guarantees a refund of the deposit before use and a refund of the rental fee for unused periods for short-term rental contracts such as Gositel, Oneroom, and Pension.

However, the above registered patents have the effect of reducing the economic burden or refund risk of the tenant, but there is a limit that the tenant cannot solve the overdue risk of rent, and the tenant's position cannot solve the delay in returning the lease deposit when the contract expires. There are limits.

On the other hand, there is a method of subsidizing low-interest loans to people who meet certain requirements, such as the government-led youth guarantee support system.However, this method is only to provide loans, and problems such as late payment of loans or delayed deposit return after contracts are still in place. It remains a challenge to be solved.

Korean Registered Patent No. 10-1261226 (registered on May 7, 2013) Korean Registered Patent No. 10-1638375 (registered on July 20, 2016)

The present invention has been devised in this background, and its purpose is to relieve the difficulties of ordinary people or those with low credit ratings, which are difficult to prepare for deposits and are subject to many restrictions on lease of real estate or rental products.

In addition, the present invention has an object to prevent the occurrence of excessive debt as the tenant uses high-interest loans from second financial institutions or lenders to prepare a deposit.

In addition, the present invention has an object to relieve the burden of preparing a rental deposit for people with lifestyles that do not implement planned savings, such as the so-called YOLO and DINK.

In addition, the present invention has the purpose of allowing the lessee to have a new revenue generation opportunity by investing the amount corresponding to the rental deposit in a financial product.

In addition, the present invention has an object to provide an opportunity to improve the rental yield on the condition that it is difficult to expect the return on investment of the rental deposit due to the low interest rate and to rely on the rent only, without paying the deposit.

In addition, the present invention has an object to solve the inconvenience of the landlord who has to carry out the rent dunning, lightness lawsuit, etc. when the rent overdue occurs.

On the other hand, the problem to be solved by the present invention is not limited to those mentioned above, and other problems not mentioned will be clearly understood by a person skilled in the art from the following description.

In order to achieve this object, an aspect of the present invention is a system for guaranteeing and managing rent for rental products such as real estate, comprising: a member management unit that provides a registration interface for landlords and tenants; A rental product registration unit that provides a registration interface for rental products; A guarantee limit determining unit determining a guarantee limit for the registered tenant by using the tenant's credit information collected from the credit information providing server and the tenant's consumption activity information collected from the credit information providing server; Provided is a warranty support management system that includes a contract intermediary that determines whether or not the contract approval criteria set based on the tenant's warranty limit and the rental price of the rental product is satisfied, when the rental contract application is received from the tenant's terminal.

In the warranty support management system according to an aspect of the present invention, the consumption activity information includes e-commerce usage information, credit card (including check card and debit card) usage information, and communication fee (including micropayment) information. , Includes at least one of the loyalty / reward program usage information, and the guarantee limit determining unit calculates a numerical credit rating based on the collected credit information while calculating a numerical consumption activity index based on the collected consumption activity information. In addition, it is possible to determine the guarantee limit using the tenant's integrated credit score calculated from the credit rating and consumption activity index.

In addition, in the guarantee support management system according to an aspect of the present invention, the guarantee limit determining unit may repeat the process of periodically collecting the tenant's credit information and consumption activity information to calculate the guarantee limit.

In addition, in the warranty support management system according to an aspect of the present invention, the contract intermediary generates a contract when the contract approval criterion is satisfied, transmits it to the landlord terminal and the lessee terminal, and requests an input of an acceptance signal. While the contract is notified to the landlord terminal and the tenant terminal, the contract can be stored in the contract DB. At this time, the contract intermediary requests the input of the approval signal for at least one of the procedures performed during the creation of the notarization contract for the building and the preparation of the reconciliation document before filing the contract with the landlord's terminal and the tenant's terminal. A notarized contract can also request reconciliation before filing a complaint.

In addition, the warranty support management system according to an aspect of the present invention, upon receiving a notice of non-payment of rent from the landlord terminal, requests a fact inquiry to the terminal of the service operator, and prepays the rent to the registered landlord account in response to the confirmation command of the service operator On the other hand, it may include a delinquency management unit for requesting payment and payment of rent to the tenant terminal. At this time, the delinquency management unit may request at least one procedure from debt collection, compulsory execution, and litigation lawsuit to the legal representative server when the setting conditions are satisfied. In addition, the overdue management department may request the legal representative server after the minimum guarantee period set for the rental product has elapsed.

In another aspect of the present invention, a method of guaranteeing and managing a rent of a rental product such as real estate includes: a registration step of registering information of a tenant, a landlord, and a rental product; A limit determination step of determining a guarantee limit for a registered tenant by using the tenant's credit information collected from the credit information providing server and the tenant's consumption activity information collected from the credit information providing server; A contract application step of receiving a rental contract application together with rental product information from a tenant terminal; A contract approval step of determining whether the contract approval criteria set based on the tenant's guarantee limit and the rental price of the rental product are satisfied, and approving the lease contract when the contract approval criteria are satisfied; When the renter's terminal receives a notice of non-payment of rent, a request for fact inquiry is made to the terminal of the service operator, and the payment is made in advance to the registered landlord's account in response to the service operator's confirmation order. Provides a method for managing warranty support including the management step.

In the method of managing warranty support according to the present invention, the registration step may include a process of registering the minimum warranty period of the rental product. In this case, when the cumulative score given by the tenants to the rental product reaches a set criterion, the minimum warranty period set for the rental product can be increased.

In addition, in the method for managing warranty support according to the present invention, in the above-mentioned limit determination step, the guarantee limit can be increased when the tenant's normal payment of rent reaches the set standard, and the guarantee limit can be reduced when the number of rent overdue reaches the set standard. have.

The method of managing guarantee support of real estate and rental products according to the present invention has the following effects.

First, since the lease contract is made on the basis of the exemption from the lease deposit, the tenant's position can greatly reduce the loan burden to secure the deposit and also invest in the available amount in financial products to create new revenue opportunities.

Second, in the event that the rent is not paid, the service operator pays the unpaid rent without delay to the landlord, and the service operator carries out administrative and / or judicial proceedings, such as a lawsuit against the tenant for eviction of the malicious tenant, from the lender's perspective. It has the effect of being free.

Third, as the lease contract can be increased while the lease contract is made on the condition that there is no lease deposit, the landlord can obtain a higher profit than the case of investing the lease deposit.

Fourth, since the service operator checks the landlord and the rental product in advance, the tenant can omit direct verification of the rental product such as the landlord and real estate.

Fifth, since the service operator performs pre-verification and guarantees the rent, the landlord and the lessee can sign the lease contract directly online without a real estate agent, thereby reducing the time and cost associated with the face-to-face contract and paying the broker. You can also cut brokerage fees that you have to do.

Sixth, since the tenant's point of view is to increase the consumption activity index by actively using e-commerce transactions such as Internet shopping malls or loyalty / reward programs to increase the guarantee limit, the overall consumption activity can be obtained.

The effects of the present invention are not limited to those mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the following description.

1 is a flowchart showing an overall method for managing warranty support for real estate and rental products according to an embodiment of the present invention
2 is a flowchart illustrating a process of determining a tenant's guarantee limit according to an embodiment of the present invention
3 is a schematic configuration diagram of a guarantee support management system for real estate and rental products according to an embodiment of the present invention
4 is a schematic configuration diagram of the guarantee limit determining unit
5 is a flowchart illustrating a process of registering a landlord and a rental product.
6 is a flowchart illustrating a process of registering a tenant and establishing a lease contract.
7 is a flowchart illustrating a guarantee support process according to non-payment of rent.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.

For reference, when one element (element) connects, combines, or communicates with another component in the present specification, not only when directly connecting, combining, or communicating with another component, but also between other elements in the middle. It also includes indirect connection, coupling, or communication. In addition, when one component is directly connected or directly coupled to another component, it means that the other component is not interposed. In addition, when a part includes or includes a certain component, it means that other components may be further included or provided rather than excluding other components unless otherwise specified. In addition, the drawings attached to the present specification are merely exemplified for easy understanding of the gist of the invention, and thus, it is revealed in advance that the scope of the present invention should not be limited.

First, FIG. 1 is a flow chart generally illustrating a method for managing guarantee support for real estate and rental products according to an embodiment of the present invention.

As shown in the figure, the landlord and the lessee who want to use the warranty support management method of the present invention must access the service platform provided by the service operator to perform the membership registration procedure.

In addition, the landlord must register the rental product information under the terms of the lease deposit exemption, and since the service operator's pre-verification is carried out, it is necessary to register accurate information and photos without false or exaggerated information, and to prepare and register the appropriate rent according to the market price.

In particular, in the warranty support management method of the present invention, the service operator guarantees the rent payment within the guarantee limit set to the tenant, and the tenant's guarantee limit is determined using the tenant's personal credit information, consumption activity index, etc. You can.

Credit information is information collected by a credit inquiry company (CB), a credit information concentrating institution, and the like, and may include both financial information and non-financial information. It is desirable that the credit information is numerically rated using a predetermined algorithm, but it is not limited thereto.

The consumption activity index includes e-commerce usage information such as internet shopping malls, credit card (including check card and debit card) usage information, and communication charges (including micropayment) in addition to indirect information such as age, occupation, residence, and automobile. It collects information directly related to consumption activities such as information, loyalty / reward program usage information, overdue information, etc. and analyzes patterns of consumption activities (items, frequency, etc.). It is not limited to this.

Meanwhile, the process of determining the guarantee limit for the tenant may be performed on the service platform of the service operator or on an external platform.

In FIGS. 1 and 2, it is shown that the guarantee limit is calculated through big data analysis on the tenant's credit information and consumption activity index, but the method of calculating the guarantee limit is not particularly limited, and thus machine learning based on big data analysis ( You can calculate the warranty limit through deep learning) or by applying other methods.

Hereinafter, an embodiment of a system capable of executing a method for managing support for guarantee of real estate and rental products according to an embodiment of the present invention will be described.

First, in this specification, the types of rental products are not particularly limited, and all other types of products or services that are regularly paid and used as well as real estate, automobiles, and home appliances are defined as belonging to rental products.

As shown in FIG. 3, a guarantee support management system (hereinafter referred to as a “guarantee support management system”) of real estate and rental products according to an embodiment of the present invention is a landlord terminal 100, a tenant terminal 200, and a communication network ( 300), a rental management server 400, a credit information providing server 500, a consumption information providing server 600, a legal representative server 700, and the like.

The landlord terminal 100 is a terminal used by a landlord of a rental product, and may include at least one of a smart phone, a tablet, a desktop computer, a laptop computer, and other electronic devices.

The tenant terminal 200 is a terminal used by a tenant of a rental product, and may include at least one of a smart phone, a tablet, a desktop computer, a laptop computer, and other electronic devices.

The communication network 30 may be designed in various ways regardless of types of wired, wireless, and communication protocols. For example, the Internet network, mobile communication network, short-range wireless communication network (Wi-Fi, Bluetooth, ZigBee, G-Wave, etc.), low-power long-distance communication network (LoRa, LTE-M, LTE Cat.M1, etc.), dedicated communication network, private communication network, etc. are not limited. It can be configured as an optional combination.

The lease management server 400 is a server for a service operator of a rent guarantee support service according to an embodiment of the present invention, a landlord terminal 100, a tenant terminal 200, a credit information providing server 500, and consumption through a communication network 300 It can communicate with the information providing server 600, the legal representative server 700, and the like.

Although not shown in the drawings, the lease management server 400 includes a processor, memory, and communication means in terms of hardware. The processor executes a predetermined operation or data processing by executing a computer program stored in the memory, and the communication means supports communication with an external terminal or an external server.

In addition, the rental management server 400, from a functional point of view, the member management unit 410, the rental product registration unit 420, the guarantee limit determining unit 430, the contract brokerage unit 440, the overdue management unit 450, the settlement processing unit 460. At least one of the components may be provided in the form of a computer program stored in a memory and executed by a processor. In addition, at least one of the components may be provided in the form of hardware specially designed for high-speed computation, or may be provided in the form of integrated software and hardware.

In addition, the components of the rental management server 400 may be implemented in a single computing device, or may be implemented in the form of a distributed or cloud computing device connected through the communication network 300.

In addition, the lease management server 400 may interwork with the landlord DB 491, the tenant DB 493, the rental product DB 495, and the contract DB 497.

Hereinafter, the components of the rental management server 400 will be described in more detail.

First, the member management unit 410 performs procedures such as access, membership registration, withdrawal, information modification, and authentication of the landlord and the tenant who want to use the rental guarantee support service according to the present invention.

That is, the member management unit 410 provides an interface for membership registration or provides a predetermined application to the landlord terminal 100 or the tenant terminal 200 connected to the lease management server 400, and inputs the information ( Receive the name, gender, marital status, child status, address, resident number, phone number, account number, etc.) and store it in the landlord DB 491 or the tenant DB 493. In addition, the member management unit 410 may perform a predetermined authentication procedure for identification.

The rental product registration unit 420 provides a rental product registration interface to a landlord terminal 100 connected to the rental management server 400 or provides a predetermined application, and receives information input through the rental product DB 495 To save.

For example, if the rental product is a real estate, the location, the type of real estate (land, building, etc.), the real estate area, the type of building (apartment, mall, officetel, single, multi-family, multi-family, one-room, two-room, etc.), number of rooms , You can receive and store information such as option types, rental fees, management fees, and physical photos (internal and external).

In addition, if the rental product is a car, it can receive and store information such as vehicle type, year, mileage, type of option, rent, and real photos (inside and outside).

Meanwhile, the registration interface provided by the rental product registration unit 420 to the landlord terminal 100 may include a menu in which the landlord requests a minimum warranty period (eg, 6 months). In this case, the minimum warranty period requested by the landlord can be set as an agreement between the service operator and the landlord only if the service operator enters an approval order.

For example, if the landlord requests for a minimum warranty period of 6 months and a rental product is registered and the service operator approves it and the agreement is established, if the tenant later pays the rent, the service operator will be forced to evict the tenant and / or Apart from the forced execution process, the monthly rent must be paid to the landlord for up to six months. If the lease is signed with a new tenant within the minimum guarantee period, the rent payment can be stopped.

As described above, when the landlord requests to set the minimum warranty period, if the service operator enters one of the following commands: rejection, hold, and approval, the approval can be transmitted to the landlord terminal 100.

If the service operator inputs a rejection command, the registration of the rental product is rejected or canceled, and the processing result can be transmitted to the landlord terminal 100.

In addition, once the service operator enters the pending order, the rental product is allowed to be registered, and when the tenant subsequently applies for a lease, it determines whether to approve the minimum warranty period requested by the landlord against the tenant's guarantee limit. It might be.

On the other hand, without granting the right to request the minimum warranty period to the landlord, the same minimum warranty period (e.g., 3 months) can be applied to all rental products, and the service operator reviews the registered rental products individually. You can also calculate the warranty period.

In addition, the minimum warranty period may be differentiated according to the evaluation (rating, review, etc.) given to the rental product by the tenant. For example, if the cumulative score reaches the set criteria, the minimum warranty period can be extended in increments of one month.

In any case, it is desirable to notify the landlord of the minimum warranty period and undergo approval or confirmation. In addition, the minimum warranty period information for each rental product may be stored in the rental product DB 495.

The guarantee limit determining unit 430 determines a limit to which the service operator can pay the rent, that is, the rent guarantee limit when the tenant is overdue the rent. The tenant DB 493 may store warranty limit information for each tenant.

In more detail, as illustrated in FIG. 4, the guarantee limit determining unit 430 includes a credit information collecting unit 432, a consumption information collecting unit 434, a guarantee limit calculating unit 436, and a limit approval request unit ( 438). At least one of the components of the guarantee limit determining unit 430 may be provided in the form of a computer program stored in a memory and executed by a processor, or may be provided in the form of hardware specially designed for high-speed computation. Hardware may be provided in an integrated form.

In addition, the components of the guarantee limit determining unit 430 are not necessarily implemented as a single computer, and may be implemented through a distributed or cloud computing device connected through the communication network 300.

The credit information collection unit 432 collects the tenant's credit information from the credit information providing server 500 operated by a credit inquiry company (CB), a credit information concentrating agency, etc., in advance, and the collected credit information includes financial information and All non-financial information can be included.

The consumption information collection unit 434 collects various information necessary for pattern analysis of consumption activities from the consumption information providing server 600 previously affiliated with. For example, as illustrated in FIG. 2, e-commerce usage information, credit card usage information, and communication fee (including micro-payment) information from pre-affiliated credit card companies, airlines, e-commerce companies, and telecommunication companies. Collect information directly related to consumption activities, such as usage information, loyalty / reward programs, and overdue information.

The guarantee limit calculation unit 436 calculates the tenant's guarantee limit based on the tenant's credit information collected through the credit information collection unit 431 and the tenant's consumption activity information collected by the consumption information collection unit 432. do.

At this time, it is possible to perform big data analysis on the collected information and calculate the guarantee limit based on it, or calculate the guarantee limit using machine learning, or by applying other methods.

For example, the guarantee limit calculation unit 436 calculates a numerical credit rating based on the collected credit information, while calculating a numerical consumption activity index based on the collected consumption activity information, and the credit rating and consumption activity index. You can calculate the integrated credit score by using and the guaranteed limit using the integrated credit score.

When calculating the integrated credit score, you can simply add the credit rating and consumption activity index, add it after assigning a weight to one, or calculate it in other ways.

On the other hand, as the consumption activity index increases as the consumption activity increases, the credit rating included in the collected credit information decreases as the credit rating increases, so the tenant's credit rating collected from the credit providing server 500 is the opposite of the existing credit rating scoring method. It can be used to calculate the integrated credit score after changing the number to be bigger as the credit is better.

Regardless of how the integrated credit score is calculated, it is desirable that the guarantee limit calculated based on the integrated credit score increases as the tenant's credit rating increases or the tenant's consumption activity index increases.

The guarantee limit calculating unit 436 periodically collects additional information of the tenant's credit and consumption activities, calculates the guarantee limit again based on this, and can update the previously set guarantee limit according to the calculated result.

As such, if the tenant's consumption activity index is periodically collected and reflected in the guarantee limit, the tenant's position will make an effort to increase the consumption activity index by actively using e-commerce or loyalty / reward programs to increase the guarantee limit. It is possible to obtain the effect that the consumption activity becomes active throughout society.

On the other hand, the guarantee limit calculation unit 436 may reflect the tenant's rent payment performance, membership retention period, etc. when calculating the guarantee limit, through which the normal rent payment can be induced. For example, when the number of normal payments for rent reaches the set standard, the guarantee limit can be increased, and if the number of overdue rents reaches the set standard, the guarantee limit can be reduced.

The limit approval request unit 438 transmits the guarantee limit information calculated by the guarantee limit calculation unit 436 to the service operator's terminal (not shown in the drawing), requests the limit approval, and requests an approval from the service operator's terminal. Upon receipt, the applicable warranty limit can be finally registered.

The limit approval request unit 438 may request limit approval for all of the guarantee limits calculated by the guarantee limit calculation unit 436, or may request limit approval only when the calculated guarantee limit exceeds a set criterion. Limit approval may be requested only in cases where the calculated guarantee limit is higher than the existing limit.

The contract brokerage unit 440 serves to broker the direct contract between the landlord and the lessee. For example, the contract brokerage unit 440 generates a contract and transmits it to the landlord terminal 100 and the tenant terminal 200, and after the approval of the landlord and the tenant, the landlord terminal 100 and the tenant terminal 200 are notified of the contract establishment And a contract fulfillment request. In addition, the contract intermediary 440 may store the contract in the contract DB 497 after the contract is established.

On the other hand, the contract brokerage unit 440 is a method for promptly embarking on the forced execution process when the tenant continues to occupy the rental property without order expiration or termination of the contract. Before the complaint, the reconciliation protocol form 'may be transmitted to the landlord terminal 100 and the tenant terminal 200, and both sides may request the signature of the both sides and the transmission or mail of the original or copy.

On the other hand, the contract brokerage unit 440 requests the approval for the creation of the contract for notifying the building contract or filing a complaint before the landlord terminal 100 and the tenant terminal 200, and the landlord terminal 100 and the tenant terminal 200 ), Upon receiving the approval signal, you may request the creation of a contract for notifying the building of the contract of delivery of the building or filing the complaint with the pre-affiliated legal representative server 700 together with the contract information.

If you have a notarized contract for the delivery of a building, if the tenant does not order the building after the contract expires or the contract is terminated, you can proceed to the forced execution process by obtaining an execution statement with the permission of the court having jurisdiction without separate action. It can protect the landlord's rights from non-compliance with a lesser tenant.

In addition, if a petition for reconciliation is filed before the lawsuit is filed, the reconciliation protocol has the same effect as the final judgment, so if the tenant later fails to comply with the lightness, he / she can immediately proceed to the forced execution process without a lawsuit. It can protect the landlord's rights from non-compliance with a lesser tenant.

The overdue management unit 450 serves to transmit a fact inquiry message to the tenant terminal 200 and a request for payment of a late payment fee when the notice of nonpayment of rent is received from the landlord terminal 450. In addition, the overdue management unit 450 may send the rental fee to the landlord's account through the payment processing unit 460 when it is determined that the rental fee has not been paid within the request period.

In addition, the delinquency management unit 450 may transmit a contract termination and eviction request message to the tenant terminal 200 when the total amount of rent paid instead reaches the set standard compared to the tenant's guarantee limit, and the legal representative server when the eviction request date elapses By sending the information to (700), you can request at least one of the procedures of debt collection, enforced execution, and litigation.

In addition, if the minimum guarantee period is set in the rental product, the overdue management unit 450 may remit the monthly rent until the minimum warranty period expires regardless of whether the collection of debts or the litigation proceeds. If a contract is made with another tenant within the minimum warranty period, the remittance of the rent can be stopped.

The payment processing unit 460 supports the payment process of various costs charged to the lessor or the lessee, and can support a normal payment process such as credit card payment, account transfer, and mobile phone micropayment. The fee charged to the landlord or tenant may include at least one of registration fees, maintenance fees, brokerage fees, etc. when registering as a member.

Also, the payment processing unit 460 may perform an account transfer procedure for remitting the rent to the landlord's account when the rent is overdue.

Hereinafter, a real estate guarantee support process according to an embodiment of the present invention will be described in more detail.

First, the registration process of the landlord and the rental product will be described with reference to FIG. 5.

The landlord accesses the lease management server 400 through the landlord terminal 100 and registers the member information such as the name, gender, address, resident number, telephone number, account number of the landlord, and authentication for identification if necessary Procedures, consent procedures for personal information use, and cost commitment procedures are performed. (ST11)

Subsequently, through the landlord terminal 100, a registration application process is performed for rental products such as real estate, automobiles, and home appliances.

As described above, in the case of real estate, the location, the type of real estate (land, buildings, etc.), the area of real estate, the type of buildings (apartment, mall, officetel, single, multi-family, multi-family, one-room, two-room, etc.), number of rooms, Enter information such as option type, rent, management fee, and physical photos (inside and outside). In addition, in the case of a car, information such as vehicle type, year, mileage, type of option, rent, and real photos (inside and outside) are entered.

In particular, the present invention provides a menu to check and check that there is no lease deposit on the rental product registration screen because the purpose of the present invention is to reduce the economic burden of the tenant by making a lease contract under the condition that there is no lease deposit. It is advisable to go through the process of approving the fact that there is no lease deposit. (ST12)

The rental product registration unit 420 of the rental management server 400 stores the rental product information input from the landlord terminal 100 in the rental product DB 495 while requesting verification by the service operator's terminal (not shown in the drawing). To send.

The service operator who receives the verification request performs verification on the rental product registered by the landlord, and preferably, through on-site inspection, checks whether the landlord is the real owner, whether the registration information is correct, and whether the rent is appropriate relative to the surrounding prices. Do. (ST13)

The rental product registration unit 420 notifies the landlord terminal 100 of the verification result input by the service operator and stores it in the rental product DB 495. At this time, if the verification passes, the landlord terminal 100 notifies the completion of the registration and then the rental product registration procedure is terminated. If the verification fails, the landlord terminal 100 notifies the landlord terminal 100 and requests re-registration. have. (ST14, ST15, ST16)

Next, a process of registering a tenant and establishing a lease contract will be described with reference to FIG. 6.

The tenant accesses the lease management server 400 through the tenant terminal 200 and registers the member information such as the tenant's name, gender, address, social security number, telephone number, account number, etc. Procedures, consent procedures for personal information use, and cost commitment procedures are performed. (ST21)

Subsequently, the guarantee limit determining unit 430 of the rental management server 400 collects the tenant's credit information from the affiliated credit information providing server 500 while analyzing the tenant's consumption activity pattern from the affiliated consumption information providing server 600 Collect the consumption activity information necessary for the. (ST22)

Subsequently, the guarantee limit determining unit 430 calculates the integrated credit score reflecting the tenant's credit rating and consumption activity index through big data analysis and machine learning based on the collected information, and uses the calculated integrated credit score to rent. If unpaid, the service operator calculates the prepayment limit, that is, the guarantee limit. (ST23)

In this state, when the tenant selects a desired rental product through the tenant terminal 200 and requests a lease contract, the contract brokerage unit 440 of the lease management server 400 receives the lease contract application. At this time, the tenant may designate a plurality of rental products and request a rental agreement at the same time. (ST24)

When an application for a lease contract is received, the contract brokerage unit 440 first searches for a guarantee limit of the relevant tenant to determine whether it satisfies the contract approval criteria.

The contract approval criteria may be set based on the tenant's guarantee limit and the monthly rent of the product. This is because it is advisable to sign a contract if the monthly rent of the rental product is 300,000 won, if the guarantee limit granted to the lessee is 2 million won, but if the monthly rent is 3 million won, it is desirable to notify the contract.

For example, if the tenant's guarantee limit is more than five times the monthly rent of the rental product, it can be set as meeting the contract approval criteria.

However, the contract approval standard is not particularly limited, and the service operator can arbitrarily set or change the contract approval standard in consideration of various circumstances.

On the other hand, if the tenant designates a plurality of rental products, it is needless to say whether the lease is possible based on the total rent of the multiple rental products and the guarantee limit of the tenant. (ST25)

If the tenant's guarantee limit is too small to meet the contract approval criteria, the contract intermediary 440 notifies the tenant terminal 200 of the inability to contract or the inability to contract. (ST26)

If it is judged that the contract approval criteria are satisfied, the contract broker 440 generates a contract including the personal information of the landlord and the tenant, rental product information, rent, and payment deadline, etc., and the landlord terminal 100 and the tenant It transmits to the terminal 200 and requests approval.

It goes without saying that the contract must include a clause that there is no lease deposit. When transferring the contract, some or all of their personal information may be transmitted to the other party's terminal with their consent.

In addition, before the contract brokerage unit 440 generates a contract, the tenant terminal 200 requests a choice of a desired date of residence, and the landlord terminal 100 requests a choice of a moveable date, so that the matching date can be displayed as a date of entry in the contract. have. Alternatively, the tenant and the landlord can enter a date that is separately negotiated, and the contract can be marked as the date of occupancy. (ST27)

Subsequently, when an acceptance signal (including a signature and a seal) for the corresponding contract is input from the landlord terminal 100 and the tenant terminal 200, the contract brokerage unit 440 transmits the final contract to both terminals 100,200 while contracting. While notifying the establishment, it is requested to fulfill the contract.

If an acceptance signal is not input from both the landlord terminal 100 and the tenant terminal 200 within a predetermined period, the contract brokerage unit 440 may notify the termination of the contract procedure.

On the other hand, as described above, the contract brokerage unit 440 is a method for promptly evacuating a bad tenant who does not comply with a eviction request when the contract expires or when the contract is terminated, and the contract information to the legal representative server 700 under the approval of the landlord and tenant In addition, you may be asked to prepare a notarized contract for building delivery or to prepare a reconciliation document before filing a complaint.

At this time, the 'building delivery contract notarization certificate form' or 'complaint reconciliation form' may be transmitted to the landlord terminal 100 and the tenant terminal 200, respectively, and the signature or the original or copy may be transmitted or mailed. (ST28, ST29)

Next, with reference to FIG. 7, a process of guaranteeing the rent to the landlord when the rent is not paid will be described.

If the tenant does not deposit the rent on the designated date, the landlord may request the payment of unpaid payments by accessing the lease management server 400 through the landlord terminal 100. (ST31)

The delinquency management unit 450 of the lease management server 400, upon receipt of the notice of non-payment of rent, confirms the fact and prepays the unpaid rent to the registered landlord's account. At this time, the delinquency management unit 450 may transmit a fact inquiry message to the tenant terminal 200 to confirm the fact or attempt a telephone connection. (ST32)

The delinquency management unit 450 may request the tenant terminal 200 to deposit unpaid payments into the account of the service operator within a designated period after paying the rent in advance. (ST33)

If unpaid payments are not received within the deadline, the delinquency management unit 450 searches for the guarantee limits set for the tenant, and if the total unpaid amount is within the guarantee limit or does not reach the set criteria, the debt collection is suspended and the deposit request message is periodically Can transmit.

On the other hand, when the total amount of unpaid payments exceeds the tenant's guarantee limit or has reached the set standard, the delinquency management unit 450 transmits the relevant contract and unpaid information to the legal representative server 700, and collects the debt, enforces the execution, and proceeds against the lawsuit. Among them, you can request at least one procedure. (ST34, ST35, ST36)

On the other hand, when the tenant deposits the unpaid rent into the account of the service operator, the delinquency management unit 450 inquires of the tenant terminal 200 to maintain the contract, and if there is an intention to maintain the contract, repeatedly notifies the timing of rent payment, etc. Intensive monitoring can be performed. (ST37, ST38)

If a notice indicating that there is no intention to maintain a contract is input from the tenant terminal 200, the delinquency management unit 450 transmits the corresponding information to the contract intermediary unit 440, and the contract intermediary unit 440 and the tenant terminal 100 While notifying the termination of the contract to the terminal 200, the fact that the contract is terminated is updated in the rental product DB 495, the contract DB 497, and the like. (ST39)

On the other hand, the method for managing the warranty support of a rental product according to an embodiment of the present invention can be recorded in a computer-readable recording medium by being implemented in the form of program instructions that can be executed through various computer means.

In this case, the computer-readable recording medium may include program instructions, data files, data structures, or the like alone or in combination. The program instructions recorded on the recording medium may be specially designed and constructed for the present invention, or may be known and usable by those skilled in the art of computer software.

Computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, magnetic media such as optical media such as CD-ROMs and DVDs, and floppy disks. It may include at least one of an optical medium (Magneto-Optical Media), ROM (ROM), RAM (RAM), flash memory, and the like.

In addition, the program instructions may include high-level language codes that can be executed by a computer using an interpreter, as well as machine language codes such as those produced by a compiler.

In the above, a preferred embodiment of the present invention has been described, but the present invention can be modified or modified in more various forms in a specific application.

As an example, in the above-described embodiment, the information of the rental product is described as being registered by the landlord, but even in the case of the tenant, information on the rental product may be registered through the rental product registration unit 420 of the rental management server 400. .

For example, if a tenant can register a rating or a review for a rental product, it can help a subsequent tenant to obtain objective information about the rental product.

In addition, in the case of real estate, if a mobile solution is provided to the tenant terminal 200 and a picture is taken when moving in and moving out to be registered in the rental product registration unit 420, damage or damage during the rental period and whether responsibility is taken Can grasp.

As another example, in order for the tenant to make a more accurate judgment, the service operator continuously records and manages all information related to the registered rental product in the rental product DB 495, and the landlord such as owner change, overdue, dispute, etc. / It is possible to check the history information of the product in the lessee terminal 200.

As described above, the present invention is not limited to the above-described embodiments, but may be modified or modified in various forms, and the modified or modified embodiments also include the technical spirit of the present invention included in the following claims. It is natural to fall within the scope of rights.

100: landlord terminal 200: tenant terminal 300: communication network
400: lease management server 410: member management unit 420: rental product registration unit
430: guarantee limit determining unit 432: credit information collecting unit 434: consumption information collecting unit
436: Guarantee limit calculation part 438: Limit approval request part 440: Contract brokerage
450: Overdue management unit 460: Payment processing unit 491: Landlord DB
493: Tenant DB 495: Rental product DB 497: Contract DB

Claims (11)

In the system for supporting and managing the rent of rental products such as real estate,
A member management unit that provides a registration interface for landlords and tenants;
A rental product registration unit that provides a registration interface for rental products;
Calculate the integrated credit score using the credit rating calculated based on the tenant's credit information collected from the credit information providing server and the consumption activity index calculated based on the tenant's consumption activity information collected from the consumption information providing server, and integrate A guarantee limit determining unit for determining a guarantee limit for a registered tenant using a credit score;
When an application for a lease is received along with the rental product information from the tenant's terminal, a contract broker that determines whether the contract approval criteria are met in preparation for the tenant's guarantee limit and the rental price of the rental product
Warranty support management system that includes According to claim 1,
The consumption activity information includes at least one of e-commerce usage information, credit card (including check card and debit card) usage information, communication fee (including micropayment) information, and loyalty / reward program usage information. Warranty support management system, characterized in that According to claim 1,
The guarantee limit determining unit, the warranty support management system, characterized in that it repeats the process of periodically calculating the credit limit and collecting credit information and consumption activity information of the tenant According to claim 1,
When the contract approval criteria are satisfied, the contract brokerage unit generates a contract and transmits it to the landlord terminal and the tenant terminal to request the acceptance signal, and when the consent signal is input, the landlord terminal and the tenant terminal are notified of the contract, while the contract is signed. Warranty support management system, characterized in that stored in the contract DB According to claim 4,
The contract intermediary requests the input of an approval signal for at least one of the procedures of preparing the building notary contract notarization certificate and filing the complaint before the landlord terminal and the tenant terminal,
When the approval signal is input, the warranty support management system, characterized in that the legal representative server requests the creation of a contract for notifying the building or contract before making a settlement. According to claim 1,
When a notice of non-payment of rent is received from the landlord's terminal, a request for fact inquiry is made to the terminal of the service operator, and payment of the rent is paid to the tenant's terminal in advance while requesting fact payment and payment to the tenant's terminal Warranty support management system comprising a management unit The method of claim 6,
The delinquency management unit, if the set conditions are met, the warranty support management system, characterized in that to request at least one of the procedures of debt collection, forced execution, and litigation with the legal representative server In the method of supporting and managing the rent of rental products such as real estate,
A registration step in which the lease management server stores the tenant information received from the tenant terminal and the landlord and rental products received from the tenant terminal;
The integrated credit score is calculated by using the credit rating calculated based on the tenant's credit information collected from the credit information providing server and the consumption activity index calculated based on the tenant's consumption activity information collected from the consumption information providing server. A limit determination step of calculating and determining a guarantee limit for a registered tenant using the integrated credit score;
The lease management server, a contract application step of receiving a lease contract application with the rental product information from the tenant terminal;
A lease management step of the lease management server determining whether the contract approval criteria are satisfied in preparation for the tenant's guarantee limit and the rental price of the rental product, and when the contract approval criteria are satisfied, the contract approval step of approving the lease contract;
When the lease management server receives a notice of non-payment of rent from the landlord's terminal, it requests a fact inquiry to the terminal of the service operator, prepays the rent to the registered landlord's account in response to the confirmation order of the service operator, and the fact that the rent is paid to the tenant's terminal. Requested overdue management steps
How to manage warranty support that includes The method of claim 8,
In the registration step, the warranty support management method comprising the step of registering the minimum warranty period of the rental product. The method of claim 9,
The lease management server includes a step of increasing the minimum warranty period set for the rental product when the cumulative scores given by the tenants to the rental product reach a set criterion. The method of claim 8,
In the limit determination step, the guarantee support management method characterized in that when the tenant's normal payment of rent reaches the set standard, the guarantee limit is increased, and when the number of overdue rents reaches the set standard, the guarantee limit is reduced.

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