House-rent debt guarantee service method and system

Abstract

To provide a house-rent debt guarantee service that essentially eliminates a burden of a guarantee fee and a renewal fee and enables a lease contract for a desired property to be concluded between a rental applicant and a landlord without going through a house-rent debt guarantee company.SOLUTION: A credit card company offers a house-rent debt guarantee service as a value-added service and promotes use of the service by advertising the service to a significant number of members owned by the company. A member who learns of the service as a result through advertisement applies, when applying for a rental property due to moving, to the credit card company, to which the member himself / herself belongs, to become a guarantor for the lease contract that is expected to be concluded in the near future, including a desired rent price range. After the procedure of application, the credit card company that has accepted the application from the member who becomes a rental applicant conducts prescribed screening on the basis of, for example, big data the credit card company has, including the desired rent price range, and determines whether or not the application is acceptable. Then, if the application is acceptable, the credit card company issues a leasing passport.SELECTED DRAWING: Figure 1B

Description

[Technical field]

[0001] The present invention relates to a rent debt guarantee service method and system, and in particular to a rent debt guarantee service method and system, which is an information processing system for services associated with rent debt guarantees involving credit cards with international brand value such as VISA / Master / JCB / AMEX / Diners. [Background technology]

[0002] In the Showa era, when renting a residential or commercial property, a rental contract was concluded with a relative or other person acting as a guarantor for the applicant. However, due to the aging of relatives and other people, the relatives and other people have become less financially capable of paying on behalf of the applicant, and for this reason, since the 21st century, a rent debt guarantee system that does not necessarily involve a special relative such as a relative has become widespread.

[0003] The gist of the rent guarantee system is that the rent guarantee company is obligated to make a substitute payment as a joint guarantor regardless of whether the applicant for a lease pays the rent to the landlord or not, and therefore the steady payment of rent to the landlord is a guarantee of the payment to the tenant. As this system became widespread, personal guarantees by relatives and others as joint guarantors were replaced by institutional guarantees by rent guarantee companies. Since then, landlords have taken the initiative in driving the rent guarantee system.

[0004] There are two types of contracts that are included in the rent guarantee system. One is a guarantee consignment contract that is concluded between the rent applicant and the rent guarantor when the applicant is approved after applying to the rent guarantor and the rent guarantor conducts its screening process as specified by the company. The other is a rental guarantee contract that is concluded between the landlord and the rent guarantor when the applicant is approved. With these two contracts, the rent guarantor becomes a legitimate joint guarantor entrusted by the applicant, and a rental contract for the desired property can be concluded between the applicant and the landlord.

[0005] In the case of the existing rent guarantee system, the guarantee commission fee is paid by the applicant, and it is customary to pay an initial fee of 0.5 to 1 month's rent, and a running fee of 10,000 to 20,000 yen per year from the second year onwards. In this case, the landlord may also request a kickback from the guarantee commission fee, both the initial fee and the running fee, from the rent guarantor, if the landlord finds a tenant for the rent guarantor. Rather, it has become common for landlords to select rent guarantors based on the amount of the kickback.

[0006] Thus, in the case of the existing rent guarantee system, it is normal for the landlord to select the rent guarantee company. On the other hand, from the perspective of the rent applicant, the structure requires that they wait for the screening by the rent guarantee company at the time of applying for a rental property, so even if the applicant has a healthy credit history, they are in an unstable state until the screening result is announced and they have to be happy or sad depending on the result. [Prior art documents] [Patent documents]

[0007] [Patent Document 1] None Summary of the Invention [Problem to be solved by the invention]

[0008] When applying to a rent guarantee company, individuals are generally required to submit the following documents: · Application for guarantee to rent guarantee company (for individuals) Identification documents (driver's license, My Number card, etc.) · Documents verifying income (tax withholding slip, pay slip, etc.) Generally, a corporation will need the following documents: · Application for guarantee entrustment to rental debt guarantee company (for corporations) Identification documents (driver's license, My Number card, etc.) · Identification documents (e.g., a copy of the business register) · Income verification documents (financial statements, etc.)

[0009] Based on the application and necessary documents submitted as described above, the rent guarantee company will carry out an examination, and the main checkpoints are "income," "annual turnover," "occupation type, years of service, etc." and "business type, years of operation, etc." In other words, whether the application is made by an individual or a corporation, the basis for the judgment is whether the applicant can bear the expenses related to the rental contract.

[0010] During the screening process, the rent guarantee company will make the following phone call to confirm your identity. If it finds out that you are impersonating someone else, it will naturally be rejected. · Confirmation of rental applicants' intention to apply and identity verification · Confirmation of employment status at the workplace Confirmation of emergency contact information or parent / guardian (guarantor)

[0011] In addition to the rent for the property you are applying to rent, an examination will also be conducted on initial costs (deposit, key money, security money, etc.), renewal costs, and moving-out costs (restoration costs, etc.), and based on these, a decision will be made as to whether or not you are able to pay.

[0012] On the other hand, in the event of rent arrears, the rent guarantor will be required to collect from the tenant at the same time as making a subrogation payment to the landlord. Therefore, the following combinations are stipulated as to whether or not a rent will be guaranteed, and the current system is implemented in accordance with these.

[0013] [Table 1]

[0014] Regarding the expenses covered by the rent debt guarantee above, rent debt guarantor companies set a guarantee limit, for example as shown in the table below, and then engage in debt guarantee practice with the limit specified in this table as the maximum guarantee amount.

[0015] [Table 2]

[0016] When using a rent guarantee company, the applicant is obligated to pay a guarantee fee to the rent guarantee company. In reality, the guarantee fee is paid as an initial fee at the time of signing the rental contract, and in addition, the applicant is obligated to pay periodic guarantee fees as running fees.

[0017] In addition, the time it takes for a rent guarantee company to review an application is generally about 20 minutes. However, if there is a loss in making phone calls, the response to the review will be delayed accordingly, and it will take longer to complete the contract, which is undeniable as a disadvantage for both the landlord and the applicant.

[0018] The present invention has been designed to solve the problems that have arisen up to now and aims to provide a rent guarantee service method and system that essentially eliminates the burden of guarantee fees and renewal fees, and enables a rental contract for a desired property to be concluded between a rental applicant and a landlord without going through a rent guarantor. [Means for solving the problem]

[0019] In order to solve the above-mentioned problems, the present inventors have come up with the idea of ​​utilizing a credit card that is associated with international brand value.

[0020] Next, the inventors noticed that, considering that credit cards with international brand value such as VISA, Master, JCB, AMEX, and Diners can be used for general consumption activities by their members, regardless of whether they are in Japan or overseas, these credit card companies already possess the following big data on each of their members: Basic information such as name, date of birth, gender, current address, place of employment, etc. Credit history information covering years of usage and repayment history Credit information on increases and decreases in credit limits, including investigations into expected repayment amounts Information regarding the records of negotiations with members at the call center or on the web Information on external credit agencies registered with other credit card companies, banks, etc. Personal information of individuals identified as antisocial forces (including international terrorists) sent by the public security police to financial institutions Credit card companies can also analyze this big data and use it for credit scoring of individual members, marketing, and artificial intelligence.

[0021] Based on the above considerations, the inventor ultimately created a technical idea for a new rent debt guarantee service, which utilizes this big data to allow rent applicants to bring in the credit card company as a guarantor, just as in the past rent applicants would bring in relatives or other guarantors, as well as an information processing system related to the same service.

[0022] That is, in order to solve the above-mentioned problems, a rent debt guarantee service information processing system according to a first aspect of the present invention is a rent debt guarantee service information processing system in which a credit card company information system which is an information processing system related to a credit card company, a rental applicant system which is an information processing system related to a rental applicant, and a renter system which is an information processing system related to a renter are connected via a network or wirelessly, the renter system including a guarantor application means for transmitting guarantor application information, which is information for applying to become a guarantor for a rental contract, from the renter system to the credit card company information system, and The system is configured to include an examination and judgment means for examining and judging whether or not a person can be a guarantor for the rental contract, a leasing passport issuance means for the credit card company information system, when the examination and judgment means has judged that a person can be a guarantor, to issue a leasing passport certifying that the credit card company is a legitimate guarantor for the rental applicant, and a rental contract conclusion means for, upon the issuance of the leasing passport, the lessor system exchanges information regarding the rental contract with the credit card company information system and / or the lessor system.

[0023] According to the above-mentioned aspect, the rent debt guarantee service is handled as one of the value-added services, such as point services and insurance services, which are widely offered by credit card companies, and is advertised to a considerable number of members to encourage their use. As a result, when a member who has become aware of the service through the advertising applies for a rental property when moving to a new residence, the member applies to the credit card company to which the member belongs to become a guarantor for a rental contract that is expected to be concluded in the near future, including the desired rent price range. After the application procedure is completed, the credit card company that accepts the application from the member who will become the rental applicant can conduct a predetermined examination based on, for example, big data held by the credit card company, including the desired rent price range, and determine whether or not the application is acceptable, or can carry out this series of procedures automatically, or can carry out the procedures almost automatically and accept some manual corrections.

[0024] As a second aspect of the present invention, in the first aspect, the leasing passport may be issued in writing or by electromagnetic means. According to this, when the credit card company judges that the application is approved, the credit card company issues a "leasing passport" that proves that the member is a legitimate guarantor in writing or by electromagnetic means, so that the guarantor's status can be clearly visualized.

[0025] As a third aspect of the present invention, in the first aspect, the rental applicant system may include a means for presenting the leasing passport to the lessor system, and the lessor system and the credit card company information system may further include a means for answering questions about at least one of the information related to the leasing passport, including the structure, the subject of the guarantee, and the guarantee limit. According to this, after the member presents the "leasing passport" of the credit card company to which the member belongs to the lessor, the lessor and the credit card company can systematically ask questions about the structure of the "leasing passport," the subject of the rent debt guarantee, and the guarantee limit, so that a system for concluding a rental contract with greater certainty and less misunderstandings can be systematically guaranteed.

[0026] As a fourth aspect of the present invention, in the first aspect above, the screening result information by the credit card company information system may be written or recorded in the leasing passport. According to this, the screening result by the credit card company is written or recorded in the "leasing passport" according to the desired rent price range, thereby making it clear / visible that the "leasing passport" is a legitimate guarantor.

[0027] As a fifth aspect of the present invention, in the first aspect above, the guarantor application information may include desired rent price range information, which is information on the rent price range desired by the rental applicant, and the desired rent price range information may be used in the screening and judgment by the screening and judgment means. This allows a screening and judgment that reflects the applicant's wishes / actual circumstances, thereby further guaranteeing the safety and reliability of the rental contract and contributing to minimizing the occurrence of so-called accident properties.

[0028] As a sixth aspect of the present invention, in the first aspect above, the rental contract conclusion means may include at least one of a rental guarantee contract means for information exchange between the credit card company information system and the lessor system, a guarantee consignment contract means for information exchange between the credit card company information system and the rental applicant system, and a rental contract means for information exchange between the rental applicant system and the lessor system.

[0029] In other words, when the lessor recognizes that the credit card company is a legitimate guarantor for the member, the following contract regarding the rent debt guarantee service will be concluded: · Rental guarantee agreement between the credit card company and the lessor · Guarantee contract between the credit card company and the member -Concluding a rental contract between the member and the lessor It is possible to systematically realize the automatic continuation of the procedure for concluding the above.

[0030] As a seventh aspect of the present invention, in the first aspect, information processing may be further performed between the credit card company information system and the rental applicant system to process the monthly rent as a card receivable. By treating the monthly rent as a card receivable, a routine can be established in which the credit card company pays the rent to the lessor in advance every month and also bills the member for the rent every month, thereby realizing a systematic measure against overdue rent.

[0031] As an eighth aspect of the present invention, in the first aspect above, the credit card company information system and the rental applicant system may directly exchange information related to the conclusion of a rent guarantee service contract, and information processing may be performed to process at least one of the initial fee, running fee, and guarantee commission fee as information accompanying the conclusion of the contract as a card receivable. This allows the credit card company to establish a routine of directly selling the rent guarantee service to members and imposing the burden of the guarantee commission fee on the members in the initial fee and running fee, thereby realizing a systematic measure against rent arrears.

[0032] As a ninth aspect of the present invention, in the eighth aspect above, the amount of the guarantee fee may be paid using points accumulated and / or held in the rental applicant system. This makes it possible for the member to pay the guarantee fee using the points accumulated and held by him / herself, which is even more convenient for users.

[0033] As a tenth aspect of the present invention, in the first aspect, instead of or in addition to the issuance of the leasing passport, information processing may be further performed involving at least one of the following: presentation of a code including a QR code (registered trademark) by the rental applicant's smartphone, presentation by an application installed on the rental applicant's smartphone, and presentation on the website of the credit card company used by the rental applicant. According to this, the "leasing passport" can be obtained not only in writing, but also through the use of the following media, namely: - Present the QR code (registered trademark), 2D code, etc. on the member's smartphone -Present the application installed on the member's smartphone -Present the credit card used by the Member via the Member's personal page on the website of the credit card company This will be guaranteed systematically, making it even more convenient for users.

[0034] As an eleventh aspect of the present invention, in the first aspect, the lessor system and the credit card company information system may further comprise a means for questioning and answering at least one of the information related to the leasing passport, the mechanism, the subject of the guarantee, and the guarantee limit amount, and depending on the result of the questioning and answering, information processing regarding the arrangement of a kickback from the guarantee commission fee may be further performed between the lessor system and the credit card company information system. According to this, when the result of the questioning and answering between the lessor and the credit card company indicates that an arrangement of a kickback from the guarantee commission fee may be made, a system that is more convenient for users is provided.

[0035] As a twelfth aspect of the present invention, in the first aspect, information processing may be further performed between the rental applicant system and the credit card company information system regarding the treatment of the monthly rent as a non-card debt of the credit card company. This allows the monthly rent to be treated as a non-card debt of the credit card company (i.e., the monthly rent is not paid with the international card held by the member), which is even more convenient for users.

[0036] As a thirteenth aspect of the present invention, in the first aspect above, information processing related to the payment of monthly rent from the rental applicant system to the lessor system may be performed between the lessor system and the rental applicant system in accordance with the provisions of the rental contract for the collection of monthly rent. This makes it possible to systematically realize a subrogation payment method in which the member pays the lessor monthly in accordance with the provisions of the rental contract, etc., without the intervention of the credit card company at all, for the collection of monthly rent.

[0037] In order to solve the above-mentioned problems, a rent debt guarantee service method according to a fourteenth aspect of the present invention is characterized in that, in a rent debt guarantee service information processing system in which a credit card company information system which is an information processing system related to a credit card company, a rental applicant system which is an information processing system related to a rental applicant, and a landlord system which is an information processing system related to a landlord are connected via a network or wirelessly, the landlord system transmits guarantor application information which is information for applying to be a guarantor for a rental contract to the credit card company information system, the credit card company information system examines and judges whether or not the applicant can be a guarantor for the rental contract, and when the examination and judgment determines that the applicant can be a guarantor, the credit card company information system issues a leasing passport certifying that the credit card company is a legitimate guarantor for the rental applicant, and upon the issuance of the leasing passport, the landlord system exchanges information related to the rental contract with the credit card company information system and / or the landlord system.

[0038] The gist of each of the above aspects of the present invention is, in summary, that under the existing rent debt guarantee system, the landlord's selection of a guarantor has become the norm, but this invention has started from scratch and changed the system to one in which the applicant for rental is free to select a guarantor.

[0039] In the case of the existing rent guarantee system, the applicant for a lease is required to take the following actions toward the rent guarantee company, but this invention completely eliminates these actions. · Fill out a guarantee application form (for individuals and corporations) to a rental guarantee company · Submit identification documents · Submit proof of income

[0040] In the case of the existing rent guarantee system, the rent guarantee company is required to make the following phone calls and the applicant is required to do some prior groundwork, but this invention completely eliminates this. · Confirmation of rental applicants' intention to apply and identity verification · Confirmation of employment status at the workplace Confirmation of emergency contact information or parent / guardian (guarantor)

[0041] In the case of the existing rent guarantee system, there is an opportunity loss for both the applicant and the landlord during the screening period of the rent guarantee company, but this invention completely eliminates this. Specifically, it creates an environment where both parties can concentrate only on confirming the property that the applicant wants and the rental contract, etc.

[0042] In the case of the existing rent guarantee system, applicants for a lease have anxiety during the screening period of the rent guarantee company, but this is completely eliminated by the present invention.

[0043] In the case of the existing rent guarantee system, rent guarantee companies use the subrogation database distributed by the National Rental Guarantee Association to conduct their own screening, but it is difficult to say that the accuracy is high due to problems with the quality and quantity (several million cases) of the database, such as tenants who have paid their rent properly not being registered in the database, and in contrast, the use of personal credit information agency CIC Co., Ltd. (over 700 million cases) is mandatory, and the accuracy of screening cannot be compared to that of credit card companies that handle big data. Therefore, each aspect of the present invention significantly improves the accuracy of tenant screening, and a system that provides peace of mind for both rent applicants and landlords is systematically realized.

[0044] Under the current rent debt guarantee system, the system relies on the policies of the rent debt guarantor company, but in contrast, credit card companies, which are required by the Ministry of Economy, Trade and Industry to exclude anti-social forces, conduct the initial screening and ongoing screening thereafter, which means that anti-social forces can be thoroughly excluded from the real estate rental industry as well.

[0045] Under the current rent debt guarantee system, the system relies on the policies of the rent debt guarantor company, but in contrast, credit card companies, which are required by the Ministry of Economy, Trade and Industry to investigate expected payment amounts, will provide initial credit and ongoing credit thereafter, which will thoroughly prohibit overselling due to monthly rent and discourage people from having multiple large debts.

[0046] Under the existing rent guarantee system, the system relies on the policies of the rent guarantor company, but since credit card companies, which are required by the Ministry of Economy, Trade and Industry to collect debts appropriately, handle collections, collection of unpaid rent can be carried out in accordance with the law. Effect of the Invention

[0047] According to each aspect of the present invention, it is possible to essentially eliminate the burden of guarantee fees and renewal fees, and a rent debt guarantee service is realized that enables a rental contract for a desired property to be concluded between a rental applicant and a landlord without going through a rent debt guarantor. [Brief description of the drawings]

[0048] [Figure 1A] 1 is a conceptual diagram illustrating an overall overview of a rent debt guarantee service and a service information processing system according to one embodiment of the present invention. [Figure 1B] This is a functional block diagram showing a rent debt guarantee service and an information processing system for the service according to one embodiment of the present invention in terms of information processing, mainly in terms of the software configuration. [Figure 1C] 1 is a hardware configuration block diagram showing the hardware configuration of an information processing system 100 related to a credit card company included in a rent debt guarantee service and an information processing system for the service according to one embodiment of the present invention. FIG. [Diagram 2] A sequence diagram for explaining the sequence related to the rent debt guarantee service in one embodiment of the present invention. [Diagram 3] 1 is a timing flowchart for explaining the operation / action of a rent debt guarantee service according to one embodiment of the present invention. [Figure 4] FIG. 11 is a schematic diagram conceptually illustrating another example of an overall hardware configuration according to another embodiment of the present invention. [Diagram 5] FIG. 11 is a schematic diagram conceptually illustrating an example of an overall hardware configuration according to still another embodiment of the present invention. [Figure 6] FIG. 13 is a schematic diagram conceptually illustrating yet another example of an overall hardware configuration according to yet another embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0049] Hereinafter, a rent debt guarantee service and a service information processing system according to one embodiment of the present invention will be described in detail with reference to the drawings.

[0050] Fig. 1A is a conceptual diagram showing an overview of a rent debt guarantee service and a service information processing system according to an embodiment of the present invention. Fig. 1B is a functional block diagram showing a rent debt guarantee service and a service information processing system according to an embodiment of the present invention in terms of information processing, mainly in terms of software configuration.

[0051] As shown in Fig. 1A, conceptually, a rent debt guarantee service according to one embodiment of the present invention is a credit card company's core business of cash advance / loan and card shopping, with various other business operations such as affiliated store management, affiliated store settlement, member management, and member billing, and also involves transactions with external financial institutions. Of these, card shopping operations include affiliated store management, sales receipt, and payment management for services for affiliated stores. Member management, points management, and billing management are defined as service operations for members.

[0052] For affiliated store management, it processes information related to affiliated store screening, affiliated store contracts, and affiliated store information. For sales reception, it works with the settlement center to manage / process sales data from affiliated stores. For payment management, it processes / manages data on payment statement data, affiliated store settlements, sending payment instructions, and chargebacks. For payment management, it works with financial institutions to request transfers.

[0053] As shown in FIG. 1B, in the rent debt guarantee service information processing system 10 according to one embodiment of the present invention, a financial institution system 200, a settlement center system 400, and an external channel system 500 are connected to a credit card company information system 100 so that they can exchange information through communication lines (not shown), and an affiliated store system 300 is connected to the settlement center system 400, and a user system 600 is connected to the external channel system 500 so that they can exchange information through communication lines (not shown). The credit card company information system 100 has, as its functional configuration, a cashing / loan section 110, a card shopping section 120, an affiliated store management section 130, an affiliated store settlement section 140, a member management section 150, a member billing section 160, and a leasing passport section 170. The card shopping section 120 can also exchange information with an external financial institution 200 through an interface section (not shown). In addition, in the figure, the lines indicated by dashed lines (and dashed arrows) are shown as paper information (medium) (for example, a piece of paper called an "application form"), but in terms of information processing, they indicate that the paper information itself is exchanged (for example, information written on a paper medium called an "application form" is digitally processed and converted into digital data, which is input and output).

[0054] Furthermore, the card shopping unit 120 includes a service system for affiliated stores 121 and a service system for members 123. The service system for affiliated stores 121 includes an affiliated store management unit 1211, a sales reception unit 1213, and a payment management unit 1215. The service system for members 123 includes a member management unit 1231, a point management unit 1233, and a billing management unit 1235. The member management unit 150 includes an examination and issuance unit 1501 for performing member management, examination, and issuance, a sales promotion unit 1503 for performing sales promotion, and a rank-up unit 1505 for performing information processing related to rank-up, and processes information related to each of the member information. The point management unit 1233 cooperates with the external channel system 500 and processes information related to each of the member information, billing information, and point information of the card user. The member billing unit 160 includes a usage statement sending unit 1601 for sending billing statement data, member billing, and usage statements, a deposit management unit 1603 for confirming deposits, and a billing correction unit 1605 for correcting billings. In addition, the billing management unit 1235 cooperates with the financial institution system 200 to process information related to account transfer data.

[0055] The leasing passport unit 170 can perform a function of screening and judging whether or not to accept the rental application, that is, whether or not to be a guarantor for the rental contract, based on data stored in its own database (not shown), including the price range of the rent desired by the rental applicant. More specifically, such data includes data related to cash advances / loans and card shopping, and is shared as cloud data that changes daily as credit information for each individual by a cloud service shared between businesses. Credit information for each individual may alternatively exist as big data. By using such cloud data and / or credit information for each individual that exists as big data, or by appropriately manipulating and changing it to use credit information (for example, unique credit information that is unique to the company by adding a certain calculation to the credit information and taking into account the company's own history / credit accumulation / region, gender, age, hobbies, etc.), the credit card company makes a judgment on whether or not to accept the big data rent debt guarantee service, including the guarantee amount. In this judgment, for example, a program embodying an algorithm that quantifies certain credit information, scores attributes for a case, sets a threshold for each attribute, and automatically judges whether a case is acceptable or not by comparing the numerical values ​​with the threshold each time a case is brought in may be stored in advance in the ROM unit 101, and the CPU 103 may read out the program from the ROM unit 101 each time and automatically execute the program while using hardware resources according to the instructions of the program. Alternatively, a so-called artificial intelligence may be used to input the credit information or unique credit information and output the acceptable or not information.

[0056] The above is an explanation of the rent guarantee service and the service information processing system according to one embodiment of the present invention, from the viewpoint of being defined as software. Next, the system will be explained from the viewpoint of hardware. Figure 1C is a hardware configuration block diagram showing the hardware configuration of the information processing system 100 related to the credit card company included in the rent guarantee service and the service information processing system according to one embodiment of the present invention.

[0057] As typically shown in the figure, an information processing system 100 for a credit card company according to one embodiment of the present invention is configured to include a read-only memory (ROM) 101, a random access memory (RAM) 102, a central processing unit (CPU) 103, an output device (OUTPUT) 104, an input device (INPUT) 105, and a communication interface (I / F) 106. The central processing unit (CPU) 103 can read a program that performs each function stored in the read-only memory (ROM) 101, operate each computer resource as instructed by the program, and process information, and can write the resulting information to a specified address in the random access memory (RAM) 102, or display the information on the output device (OUTPUT) 104, for example. The output device (OUTPUT) 104 is configured to include a display, a printer, etc., and outputs various information as necessary. The input device (INPUT) 105 is configured with a keyboard, a barcode reader, a scanner, etc., and inputs information as necessary, but includes all devices that enable the input of information. The input device (INPUT) 105 processes input from a keyboard, etc., as necessary, according to control from the central processing unit (CPU) 103, and displays it on, for example, the output device (OUTPUT) 104. The communication interface (I / F) 106 can function as a transmitting / receiving unit configured with a communication card, etc., and is connected to the outside via a public network such as the Internet, or a dedicated line such as a LAN (Local Area Network). Furthermore, if necessary, the central processing unit (CPU) 103 can transmit information, etc. input from the input device (INPUT) 105 to another system (for example, the affiliated store system 300, the suicide center system 400, the financial institution system 500, the external channel system 600, the user system 700, etc.) via the communication interface (I / F) 106.

[0058] That is, the rent debt guarantee service and the service information processing system according to one embodiment of the present invention can realize the desired functions as described above by cooperation between each software function, such as that shown in Fig. 1B, and hardware resources, such as that shown in Fig. 1C. Although not shown, each of the systems, such as the affiliated store system 300, the desperate center system 400, the financial institution system 500, the external channel system 600, and the user system 700, has a hardware configuration similar to that of the information processing system 100 related to the credit card company, as shown in Fig. 1C.

[0059] Next, a sequence relating to the rent debt guarantee service according to one embodiment of the present invention will be described. FIG. 2 is a sequence diagram for explaining a sequence relating to the rent debt guarantee service according to one embodiment of the present invention. As shown in the figure, the rent debt guarantee service is treated as one of the value-added services that credit card companies offer in large numbers, such as point services and insurance services. Credit card companies advertise to their considerable number of members to encourage their use. A member, or a member who has become aware of the above-mentioned advertising, as a rental applicant, applies to the credit card company to which he or she belongs to become a guarantor for a rental contract that is expected to be concluded in the near future, including the desired rent price range, when applying for a rental contract when moving, for example (step S1).

[0060] The credit card company that accepted the application from the member who will be the rental applicant in step S1 conducts its own prescribed screening based on the big data stored in its database, including the desired rent price range, and judges whether or not to accept the rental application, in other words, whether or not it is acceptable to be a guarantor for the rental contract. More specifically, the big data related to the rent debt guarantee service includes data related to cash advances / loans and card shopping, and the credit card company uses or appropriately manipulates this big data to judge whether or not to accept the rent debt guarantee service, including the guarantee amount.

[0061] When the credit card company has approved the application to be a guarantor for the rental contract, it will issue a "leasing passport" to the rental applicant, who is also a member of the credit card company, in writing or by electromagnetic means, certifying that the credit card company is a legitimate guarantor for the member (step S2).

[0062] Examples of issuance by electromagnetic means include the following issuance methods. - Issuance method using QR code (registered trademark), 2D code, etc. displayed on the member's smartphone - Issuing method via the application installed on the member's smartphone - Issuing via the member's credit card company's My Page website

[0063] The member (rental applicant) who has received the "Leasing Passport" takes it to the lessor and indicates that the credit card company to which he or she belongs is already a guarantor (step S3).

[0064] Regarding the "Leasing Passport" that has been brought in, the landlord and the credit card company can ask questions as appropriate about how the "Leasing Passport" works and its details (such as who is covered by the rent debt guarantee and the guarantee limit) (Step S4).

[0065] The credit card company verifies whether the member is a legitimate guarantor in terms of information processing, and returns the verification result to the lessor (step S5).

[0066] When the lessor recognizes the credit card company as a legitimate guarantor for the member, the lessor proceeds to conclude the following contract for the rent debt guarantee service (step S6). · Rental guarantee agreement between the credit card company and the lessor · Guarantee contract between the credit card company and the member · Rental contract between the member (rental applicant) and the lessor

[0067] Next, the above-mentioned aspect will be described from the viewpoint of information processing. FIG. 3 is a timing flowchart for explaining the operation / function of the rent debt guarantee service according to one embodiment of the present invention. As shown in the figure, the member management unit 150 of the credit card company information system 100 advertises to a considerable number of members it has, encouraging them to use the service (not shown). The member, i.e., the rental applicant system 600A, who has become aware of the member through the above advertising, transmits to the credit card company information system 100 to which the member belongs joint guarantor application information, which is information indicating a desire / request to become a joint guarantor for a rental contract expected to be concluded in the near future, and desired rent price range information, which is information regarding the desired rent price range as necessary (step ST1).

[0068] In the credit card company information system 100, the leasing passport unit 170 receives guarantor application information (and desired rent price range information) from the rental applicant system 600A related to the member who will be the rental applicant (step ST1001), and the leasing passport unit 170 examines and judges whether or not to accept the rental application, that is, whether or not to be a guarantor for the rental contract, based on big data stored in a database (not shown) owned by the leasing passport unit 170, including the desired rent price range (step ST1002). More specifically, by using credit information for each individual that exists as cloud data and / or big data, or by appropriately manipulating and changing the credit information (for example, unique credit information that is unique to the company by adding a certain calculation to the credit information and taking into account the company's own history / credit accumulation / region, sex, age, hobbies, etc.), the leasing passport unit 170 automatically judges whether or not to be a guarantor for the rental contract, including the guarantee amount, by comparing the numerical values ​​with the above-mentioned threshold value, for example. Alternatively, it may be a mode in which so-called artificial intelligence is used to input the credit information or unique credit information and output the yes / no information. Alternatively, instead of these or to complement the above, it may be a mode in which a human judgment is input as an input value and the judgment process takes this into account. In this case, for example, the leasing passport unit 170 may be provided with a subjective judgment reception unit (not shown), and when there is an input to the subjective judgment reception unit, it can be replaced by making an algorithm that takes this input value into account to make the above judgment. Also, in the above, for example, the upper limit of the guarantee amount may be input from an input / output unit not shown, and the input guarantee amount (such guarantee amount may be displayed on a display unit not shown) may also be included in the judgment on the yes / no by a control unit not shown.

[0069] If the application is approved (step ST1003 is "Y"), the credit card company information system 100 issues a "leasing passport" by electromagnetic means, which certifies that the credit card company is a legitimate guarantor for the member (step ST1004), and this "leasing passport" is issued (or transmitted) by the credit card company information system 100 to the rental applicant system 600A (step ST1005). Alternatively, the credit card company may issue the "leasing passport" to the member in writing and transmit the certification electronically. On the other hand, if the application is rejected (step ST1003 is "N"), information indicating the rejection is transmitted to the credit card company information system 100 (step ST1006), and the process ends here. Here, the "Leasing Passport" may be any information that proves that the credit card company is a legitimate guarantor of the member, and may be, for example, standard wording information to that effect, authentication information (which may be secured), image data representing the "Leasing Passport", etc. When the approval is determined as above ("Y" in step ST1003), information related to the screening result obtained as "pass" may be written or recorded (for example, electronically or electromagnetically) in the "Leasing Passport".

[0070] The "Leasing Passport" may be issued and provided by electromagnetic means, for example, in the following manner. - Issued and provided via QR code (registered trademark), 2D code, etc. displayed on the member's smartphone - Issued and provided by the application installed on the member's smartphone - The card is issued on the member's credit card company's website and is provided when the member accesses the website.

[0071] When rental applicant system 600A receives the "Leasing Passport" provided in this manner (step ST6001), rental applicant system 600A presents information proving that the credit card company to which the member belongs is already a guarantor (for example, by sending image data of the "Leasing Passport", or by sending an authentication code and / or authentication-related information related to the "Leasing Passport" (step ST6002). Alternatively, the member who received it through rental applicant system 600A may bring it tangibly or intangibly to the lessor.

[0072] When the "Leasing Passport" brought in in this manner is received by the lessor system 600B (step ST6101), a process (not shown) may take place between the lessor system 600B and the credit card company information system 100, in which information is exchanged regarding questions and answers about the structure of the "Leasing Passport" and its details (such as the scope of the rent debt guarantee and the guarantee limit).

[0073] The lessor system 600B transmits confirmation request information to the credit card company information system 100 to verify whether or not the person is a legitimate guarantor for the member (step ST6102).

[0074] The credit card company information system 100 accesses a database (not shown) stored in itself or in a cloud or the like, and checks whether the person is a legitimate guarantor for the member (step ST1007), and transmits the checking result information to the lessor system 600B (step ST1008).

[0075] If the credit card company is recognized as a legitimate guarantor for the member (if the matching result information sent in step ST1008 returns "Y" in step ST6103, i.e., the legitimate guarantor status is confirmed), the landlord will proceed to conclude the following contract for the rent debt guarantee service (step ST6104). · Rental guarantee contract between the credit card company and the lessor (step ST6105) A guarantee contract between the credit card company and the member (step ST1009) - Rental contract between the member (rental applicant) and the lessor (step ST6106)

[0076] By following the above process, it becomes possible to treat the monthly rent as a credit card receivable. Therefore, the system guarantees that the credit card company will advance the rent to the lessor every month, and that the credit card company will invoice the member for the rent every month.

[0077] Credit card companies handle rent guarantee services as a value-added service that is widely available, and in the above-mentioned series of steps, from a business perspective, the credit card company can directly sell the rent guarantee service to the member and impose a guarantee commission fee on the member as an initial fee and a running fee (from an information processing perspective, information related to the conclusion of the rent guarantee service contract is directly exchanged between the credit card company information system 100 and the rental applicant system 600A, and information processing is performed to process at least one of the initial fee, running fee, and guarantee commission fee as information accompanying the conclusion of the contract as a card receivable). At this time, an option may be allowed for the member to pay the guarantee commission fee using points that he or she has accumulated and held.

[0078] Using the table below as an example, the results of the credit card company's screening may be recorded in the "Leasing Passport" according to the rent price range. JPEG2025031349000004.jpg43166

[0079] In the above embodiment / aspect, the lessor may be replaced by a rental agent (i.e., the lessor system 600B is replaced by a rental agent system 600C, not shown). In fact, a lessor who is not confident in finding a client will depend on the rental agent, and in this case, even in the existing rent guarantee system, the rental agent, not the lessor, may select the rent guarantee company.

[0080] The credit card company may have a situation in which, as a result of a question and answer session between the lessor and the credit card company, an agreement on a kickback from the guarantee fee is reached (in terms of information processing, that is, as a result of an exchange of information related to the above-mentioned question and answer session (not shown) between the credit card company information system 100 and the lessor system 600B, agreement information on the kickback agreement contract information is exchanged between the credit card company information system 100 and the lessor system 600B).

[0081] The credit card company will treat the monthly rent as a card receivable, i.e., will settle the monthly rent with the international card held by the member (in terms of information processing, the rent payment will be considered to have been completed when information processing is carried out between the credit card company information system 100 and the rental applicant system 600A to process the monthly rent as a card receivable). Specifically, an affiliated store contract is further concluded between the credit card company and the lessor (information processing is performed between the credit card company information system 100 and the lessor system 600B for information processing related to the conclusion of the affiliated store contract), and the information processing system of the credit card company makes the lessor its affiliated store (information processing is performed between the credit card company information system 100 and the lessor system 600B for information processing that the lessor has been authenticated as an affiliated store), and the credit card company pays the full amount of rent on behalf of the lessor every month (information processing is performed between the credit card company information system 100 and the lessor system 600B for information processing related to processing the advance payment of the full amount of rent as a card receivable), and thereafter the credit card company can collect the monthly rent from the member as a fee for using the international card every month. In this case, since an international card is used, points are given for the monthly rent.

[0082] The credit card company treats the monthly rent as a non-card receivable (i.e., the monthly rent is not settled with the international card held by the member). Specifically, the credit card company collects the rent from the member every month by direct debit, etc., and interprets the amount of the direct debit that is rejected as the subrogation payment that must be performed as the guarantor, and adds it to the amount of the direct debit that is approved and handed over by the financial institution, and the credit card company pays the entire rent to the landlord in advance every month.

[0083] The credit card company may collect the monthly rent without involving the credit card company at all, and may use a subrogation method in which the member pays the rent to the landlord every month in accordance with the provisions of the rental contract, etc. Specifically, only in cases where the member has defaulted on the payment of rent to the landlord, the credit card company will make a subrogation payment of the rent to the landlord as the subrogation payment to be performed as a guarantor in response to a request for subrogation from the landlord.

[0084] Although not illustrated, the present invention can be implemented with various modifications, expansions, reductions, and substitutions without departing from the spirit of the present invention.

[0085] For example, FIG. 4 is a schematic diagram conceptually showing another example of the overall hardware configuration according to another embodiment of the present invention. As shown in the figure, the credit card company information system 100 of this embodiment can be connected to each of the financial institution system 200, the settlement center system 400, the external channel system 500, the affiliated store system 300, and the user system 600 via a network NW. In this embodiment, various pieces of information acquired by the financial institution system 200, the settlement center system 400, the external channel system 500, the affiliated store system 300, and the user system 600 are transmitted in real time to the credit card company information system 100 as a server device via the network NW. The various functions described above are executed in the credit card company information system 100 that receives this information. Since information processing related to the leasing passport system can be performed in a centralized manner in real time, an instantaneous leasing function can be realized. In other words, the possibility of granting a leasing passport can be grasped in real time, and information related to rent payment can be changed based on this information.

[0086] FIG. 5 is a schematic diagram conceptually showing an example of the overall hardware configuration according to another embodiment of the present invention. As shown in the figure, the credit card company information system 100 of this embodiment can be connected to each of the financial institution system 200, the settlement center system 400, the external channel system 500, the affiliated store system 300, and the user system 600 via wireless communication. In this embodiment, various pieces of information acquired by the financial institution system 200, the settlement center system 400, the external channel system 500, the affiliated store system 300, and the user system 600 are transmitted to the credit card company information system 100 as a server device via a wireless transmission / reception unit (not numbered) in real time or at regular time intervals. The credit card company information system 100 that receives this information executes the various functions described above. In this case, the credit card company information system 100 can centrally perform information processing related to the leasing passport and rent payment.

[0087] FIG. 6 is a schematic diagram conceptually showing yet another example of a hardware overall configuration according to yet another embodiment of the present invention. As shown in the figure, the credit card company information system 100 of this embodiment may be connected to some or all of the financial institution system 200, the settlement center system 400, the external channel system 500, the affiliated store system 300, and the user system 600. In this embodiment, the operation and behavior are such that various information acquired in (any of) the financial institution system 200, the settlement center system 400, the external channel system 500, the affiliated store system 300, and the user system 600 is stored in each system. The information stored in the memory unit S of each system related to (any of) the financial institution system 200, the settlement center system 400, the external channel system 500, the affiliated store system 300, and the user system 600 can be read by a portable recording medium M. The credit card company information system 100 that reads this information executes the various functions described above. Since the information is accumulated in the credit card company information system 100 via the portable recording medium M, the information processing functions relating to the leasing passport and rent payment described above are executed collectively, i.e., in a batch processing manner, in the credit card company information system 100. This mode is suitable for processing large amounts of data, and is more suitable for cases where, for example, an AI (artificial intelligence) function is utilized to further develop the system for further measures against rent arrears. [Industrial Applicability]

[0088] The rent debt guarantee service of the present invention can be manufactured industrially and can be the subject of commercial transactions, and therefore has economic value in various industries, including the real estate industry, and is therefore an invention that can be used industrially. [Explanation of symbols]

[0089] 10. Rent Debt Guarantee Service Information Processing System 100 Information processing systems related to card companies 200 Information processing systems related to financial institutions 300 Information processing system for affiliated stores 400 Information processing systems related to settlement centers 500 Information processing system related to external channels 600 User-related information processing system 600A Information processing system relating to rental applicants 600B Information processing system for lessors

Claims

1. In a rent debt guarantee service information processing system in which a credit card company information system which is an information processing system related to a credit card company, a rental applicant system which is an information processing system related to a rental applicant, and a lessor system which is an information processing system related to a lessor are connected via a network or wirelessly, a guarantor application means for transmitting guarantor application information, which is information for applying to become a guarantor for a rental contract, from said lessor system to said credit card company information system; an examination and judgment means in said credit card company information system for examining and judging whether or not a person is permitted to be a guarantor for said rental contract; a leasing passport issuing means for issuing a leasing passport to the credit card company information system, in which the examination and judgment means has determined that the applicant can be a guarantor, which certifies that the credit card company is a legitimate guarantor for the applicant; When the leasing passport is issued, the lessor system functions as a rental contract conclusion means for exchanging information related to the rental contract with the credit card company information system and / or the lessor system. A rent debt guarantee service information processing system comprising:

2. 2. The rent guarantee service information processing system according to claim 1, wherein the leasing passport is issued in writing or by electromagnetic means.

3. the rental applicant system includes means for presenting the leasing passport to the lessor system; The rent debt guarantee service information processing system of claim 1, further comprising a means for the landlord system and the credit card company information system to answer questions regarding at least one of the information related to the leasing passport, including the mechanism, the coverage of the guarantee, and the guarantee limit.

4. 2. The rent debt guarantee service information processing system according to claim 1, wherein the screening result information by the credit card company information system is entered or recorded in the leasing passport.

5. The guarantor application information includes desired rent price range information, which is information regarding the price range of rent desired by the rental applicant, The desired rent price range information is used for the screening and judgment by the screening and judgment means.

2. The rent debt guarantee service information processing system according to claim 1.

6. The lease contract conclusion means includes: a rental guarantee contract means for exchanging information between said credit card company information system and said lessor system; a guarantee entrustment contract means for exchanging information between said credit card company information system and said rental applicant system; a rental contract means for exchanging information between the rental applicant system and the lessor system; 2. The rent debt guarantee service information processing system according to claim 1, further comprising at least one of the following:

7. 2. A rent debt guarantee service information processing system as described in claim 1, further comprising information processing for processing monthly rent as a card debt between said credit card company information system and said rental applicant system.

8. The rent debt guarantee service information processing system described in claim 1, characterized in that information related to the conclusion of a rent debt guarantee service contract is directly exchanged between the credit card company information system and the rental applicant system, and information processing is performed to process amounts related to initial fees, running fees, and guarantee fees as card receivables as information accompanying the conclusion of such contract.

9. 9. The rent debt guarantee service information processing system according to claim 8, wherein the amount of the guarantee fee is paid using points accumulated and / or held in the rental applicant system.

10. The rent debt guarantee service information processing system of claim 1, characterized in that, instead of or in addition to the issuance of the leasing passport, information processing is further performed related to at least one of the following: presentation of a code including a QR code (registered trademark) by the rental applicant's smartphone, presentation by an application installed on the rental applicant's smartphone, and presentation on the website of a credit card company used by the rental applicant.

11. The lessor system and the credit card company information system further include a means for answering questions about at least one of the information related to the leasing passport, including the structure, the subject of the guarantee, and the guarantee limit amount, A rent debt guarantee service information processing system as described in claim 1, characterized in that information processing is further performed between the landlord system and the credit card company information system regarding an agreement for a kickback from the guarantee commission fee depending on the results of the question and answer session.

12. A rent debt guarantee service information processing system as described in claim 1, characterized in that information processing is further performed between the rental applicant system and the credit card company information system regarding treating the monthly rent as a non-card debt of the credit card company.

13. The rent debt guarantee service information processing system described in claim 1, characterized in that, between the landlord system and the rental applicant system, information processing related to the payment of monthly rent from the rental applicant system to the landlord system is carried out in accordance with the provisions of the rental contract with respect to the collection of monthly rent.

14. In a rent debt guarantee service information processing system in which a credit card company information system which is an information processing system related to a credit card company, a rental applicant system which is an information processing system related to a rental applicant, and a lessor system which is an information processing system related to a lessor are connected via a network or wirelessly, The lessor system transmits guarantor application information, which is information for applying to be a guarantor for a rental contract, to the credit card company information system, The credit card company information system examines and determines whether or not the person is permitted to be a guarantor for the rental contract, If the screening and judgment result indicates that the applicant is permitted to be a guarantor, the credit card company information system issues a leasing passport certifying that the credit card company is a legitimate guarantor for the rental applicant, Upon issuance of the leasing passport, the lessor system exchanges information related to the rental contract with the credit card company information system and / or the lessor system. A rent guarantee service method comprising:

Images