Matching support system for guarantor and lessee and matching support method for guarantor and lessee

Abstract

To provide a support device capable of easily matching a guarantor with a lessee.SOLUTION: A matching support system for a guarantor and a lessee is constituted by a guarantor information terminal 102 having a guarantor display unit 116 and a guarantor input unit 114, a lessee information terminal 104 having a lessee display unit 156 and a lessee input unit 154, and an information processing device 106 through a communication line 108. The guarantor input unit 114 includes a guarantor unique information input unit 126, a guarantor unique information input unit 128, a guarantor contact request input unit 132, and a guarantor contact request approval input unit 134. The guarantor display unit 116 includes a lessee unique information display unit 137, and a lessee unique information display unit 138. The lessee input unit 154 includes a lessee unique information input unit 166, a lessee unique information input unit 168, a lessee contact request input unit 172, and a lessee contact request approval input unit 174. The lessee display unit 156 includes a guarantor unique information display unit 178, and a guarantor specific information display unit 180.SELECTED DRAWING: Figure 2

Description

Technical Field

[0001] The present invention relates to a matching support system for a guarantor and a lessee and a matching support method for a guarantor and a lessee in a lease contract such as real estate. In particular, the present invention relates to a matching support system for a guarantor and a lessee and a matching support method for a guarantor and a lessee, in which a guarantor or a lessee can easily find and match with a lessee or a guarantor, respectively.

Background Art

[0002] As a first prior art, a person who wishes to lease real estate is guaranteed using a character index, which is a new index that takes into account not only the person's ability to pay money but also the person's character. When a third party guarantees the character of a lease applicant to the lessor based on the character index, a personal guarantee system having a function of calculating guarantee conditions presented to the lease applicant by the third party is known (see Patent Document 1).

[0003] As a second prior art, after receiving an application from a user, the server provides various types of joint guarantee groupings to the user for selection. The server generates a joint guarantee group having a unique ID according to the user's selection, compiles the information of the joint guarantee group into a data packet, and transmits the data packet to the bank system for approval. This method for processing online joint guarantees enables companies in various geographical locations to participate in online joint guarantees via the Internet. In addition, this method has established a completely online alert mechanism, and a business credit system that realizes risk control of financing is known (see Patent Document 2).

[0004] As a third prior art, a certain level of credit examination is performed before concluding a lease contract, and a lease contract is concluded only with a lessee (and a guarantor) who has passed this examination. Then, according to the monthly debit status, appropriate collection promotion countermeasures are almost automatically taken at each stage to ensure the collection of contract money and the like. A lease fee collection method is known (see Patent Document 3).

Prior Art Documents

Patent Documents

[0005]

Patent Document 1

Patent Document 2

Patent Document 3

Summary of the Invention

Problems to be Solved by the Invention

[0006] In the first prior art, the personality index has to be set in advance through hearings or the like, and there is a concern that the personal guarantee service cannot be provided quickly.

[0007] In the second prior art, in the business credit system, a bank is involved. Since banks generally conduct strict examinations, there is a concern that the joint guarantee service cannot be provided quickly.

[0008] In the third prior art, since credit examinations are conducted on the lessee and the guarantor, there is a concern that the guarantor contract cannot be made quickly.

[0009] An object of the present invention is to provide a matching support system or method for a guarantor and a lessee that enables the lessee to quickly find a guarantor.

Means for Solving the Problems

[0010] To achieve the above object, the first invention according to the present invention is configured as follows.

[0011] A matching support system for a guarantor and a lessee, which is composed of a guarantor information terminal operated by a guarantor and having a guarantor display unit and a guarantor input unit, a lessee information terminal operated by a lessee and having a lessee display unit and a lessee input unit, and an information processing device connected to the guarantor information terminal and the lessee information terminal via a communication line. The guarantor input unit includes a guarantor unique information input unit, a guarantor specific information input unit, a guarantor contact request input unit to the lessee, and a lessee contact request approval input unit from the lessee. The guarantor display unit includes a lessee unique information display unit and a lessee specific information display unit. The lessee input unit includes a lessee unique information input unit, a lessee specific information input unit, a contact request input unit to the guarantor, and a guarantor contact request approval input unit from the guarantor. The lessee display unit includes a guarantor unique information display unit and a guarantor specific information display unit.

[0012] To achieve the above object, the second invention according to the present invention is configured as follows.

[0013] A method for assisting the matching of a guarantor and a lessee, using a guarantor information terminal operated by the guarantor and having a guarantor display unit and a guarantor input unit, a lessee information terminal operated by the lessee and having a lessee display unit and a lessee input unit, and an information processing device connected to the guarantor information terminal and the lessee information terminal via a communication line, the method comprising: a step in which the guarantor uses the guarantor input unit to input guarantor unique information; a step in which the guarantor inputs guarantor specific information; a step in which the guarantor outputs contact request information for the lessee; a step in which the guarantor outputs lessee contact approval information from the lessee; a step in which the guarantor display unit displays the lessee unique information; a step in which the guarantor display unit displays the lessee specific information; a step in which the lessee uses the lessee input unit to input the lessee unique information; a step in which the lessee inputs lessee specific information; a step in which the lessee outputs contact request information for the guarantor; a step in which the lessee outputs lessee contact approval information from the guarantor; a step in which the lessee display unit displays the guarantor unique information; a step in which the lessee display unit displays the guarantor specific information; and a step in which, based on the lessee contact approval information, the guarantor information terminal outputs guarantor guarantee consent information.

Effect of the Invention

[0014] In the first invention, the guarantor operates a guarantor information terminal, uses the guarantor input unit to input the guarantor unique information and the guarantor specific information, and records them in the information processing device via a communication line.

[0015] The lessee operates a lessee information terminal, uses the lessee input unit to input the lessee unique information and the lessee specific information, and records them in the information processing device via a communication line.

[0016] When the guarantor searches for a lessee who is looking for a guarantor, the guarantor accesses the information processing device and causes the lessee unique information to be displayed on the guarantor display unit.

[0017] The guarantor transmits contact request information to the lessee who the guarantor believes may become a guarantor based on the lessee's unique information, using the contact request input unit.

[0018] When the lessee agrees to the contact request from the guarantor, the lessee uses the lessee contact request approval input unit to record approval information in the information processing device.

[0019] Due to the approval of the lessee's contact request, the guarantor can then view the lessee-specific information displayed on the lessee-specific information display unit.

[0020] The guarantor can directly contact the lessee after viewing the lessee-specific information. Based on the lessee-specific information and information directly obtained from the lessee, the guarantor can decide whether to become the guarantor for the lessee.

[0021] On the other hand, when the lessee searches for a guarantor, the lessee accesses the information processing device to display the guarantor's unique information on the lessee display unit.

[0022] The lessee transmits contact request information to the guarantor who the lessee wishes to become a guarantor for, using the contact request input unit.

[0023] When the guarantor agrees to the contact request from the lessee, the guarantor uses the guarantor contact request approval input unit to record contact approval information in the information processing device.

[0024] Due to the approval of the guarantor's contact request, the lessee can then view the guarantor-specific information displayed on the guarantor-specific information display unit.

[0025] The lessee can directly contact the guarantor after viewing the guarantor-specific information. The lessee can obtain additional information or exchange information based on the guarantor-specific information or direct contact with the guarantor.

[0026] Therefore, in this matching support system, since a guarantor contract can be quickly concluded through direct information exchange between the guarantor and the lessee, there is an advantage in achieving the object of the present invention.

[0027] In the second invention, the following steps are performed.

[0028] The steps of the guarantor using the guarantor input unit to input the guarantor unique information, input the guarantor specific information, output the guarantor contact request information to the lessee, output the lessee contact approval information from the lessee, display the lessee unique information on the guarantor display unit, display the lessee specific information on the guarantor display unit, and output the guarantor guarantee consent information based on the lessee contact approval information using the guarantor information terminal.

[0029] The lessee performs the following steps.

[0030] The steps of the lessee using the lessee input unit to input the lessee unique information, input the lessee specific information, output the lessee contact request information to the guarantor, output the lessee contact approval information from the guarantor, display the guarantor unique information on the lessee display unit, and display the guarantor specific information on the lessee display unit.

[0031] Thereby, the guarantor unique information and the guarantor specific information of the guarantor, and the lessee unique information and the lessee specific information of the lessee are recorded in the information processing apparatus.

[0032] When the guarantor searches for a lessee who is looking for a guarantor, the guarantor accesses the information processing apparatus and performs the step of displaying the unique information of the lessee on the guarantor display unit.

[0033] The guarantor outputs the guarantor contact request information to the lessee who may consider becoming a guarantor from the lessee's unique information, transmits the guarantor contact request information to the information processing apparatus, and records it.

[0034] The guarantor performs the step of outputting the lessee contact request information from the lessee, and transmits and records the guarantor contact request approval information to the information processing device.

[0035] Execute the step of displaying the lessee-specific information on the guarantor display unit, enabling the guarantor to confirm the lessee-specific information and obtain further information about the lessee.

[0036] When the lessee agrees to the contact request from the guarantor, the lessee performs the step of outputting the lessee contact approval information using the lessee contact request approval input unit and records it in the information processing device.

[0037] Based on the lessee contact approval information, the guarantor can confirm the lessee-specific information displayed on the lessee-specific information display unit.

[0038] On the other hand, when the lessee searches for the guarantor, the lessee accesses the information processing device and performs the step of displaying the guarantor unique information on the lessee display unit.

[0039] The lessee executes the step of outputting the lessee contact request approval information using the lessee contact request input unit to the guarantor whom the lessee wants to become a guarantor from the guarantor unique information, transmits it to the information processing device, and records it.

[0040] Based on the guarantor contact approval information, perform the step of displaying the guarantor-specific information on the lessee-specific information display unit, enabling the lessee to confirm the guarantor-specific information displayed on the lessee-specific information display unit.

[0041] The lessee can directly contact the lessee after confirming the guarantor-specific information and further confirm information about the guarantor.

[0042] The guarantor can output the guarantor guarantee consent information using the guarantor information terminal and conclude a guarantor contract with the lessee.

[0043] Therefore, there is an advantage that a guarantor contract can be quickly concluded between the guarantor and the lessee.

Brief Description of the Drawings

[0044]

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Figure 11

Mode for Carrying Out the Invention

[0045] The guarantor and lessee matching support system according to the present invention is composed of a guarantor information terminal operated by a guarantor and having a guarantor display unit and a guarantor input unit, a lessee information terminal operated by a lessee and having a lessee display unit and a lessee input unit, and an information processing device connected to the guarantor information terminal and the lessee information terminal via a communication line. The guarantor input unit includes a guarantor unique information input unit, a guarantor specific information input unit, a lessee contact request input unit to the lessee, and a lessee contact request approval input unit from the lessee. The guarantor display unit includes a lessee unique information display unit and a lessee specific information display unit. The lessee input unit includes a lessee unique information input unit, a lessee specific information input unit, a contact request input unit to the guarantor, and a guarantor contact request approval input unit from the guarantor. The lessee display unit preferably includes a guarantor unique information display unit and a guarantor specific information display unit.

[0046] Further, there is provided a method for assisting the matching of a guarantor and a lessee, which uses a guarantor information terminal device operated by a guarantor and having a guarantor display unit and a guarantor input unit, a lessee information terminal device operated by a lessee and having a lessee display unit and a lessee input unit, and an information processing device connected to the guarantor information terminal device and the lessee information terminal device via a communication line. The method includes steps of: the guarantor inputting guarantor unique information using the guarantor input unit; the guarantor inputting guarantor specific information; the guarantor outputting guarantor contact request information to the lessee; the guarantor outputting lessee contact approval information from the lessee; the guarantor display unit displaying the lessee unique information; the guarantor display unit displaying the lessee specific information; the lessee inputting lessee unique information using the lessee input unit; the lessee inputting lessee specific information; the lessee outputting lessee contact request information to the guarantor; the lessee outputting lessee contact approval information from the guarantor; the lessee display unit displaying the guarantor unique information; the lessee display unit displaying the guarantor specific information; and the guarantor information terminal device outputting guarantor guarantee consent information based on the lessee contact approval information. Preferably, the method for assisting the matching of a guarantor and a lessee is characterized by including these steps.

Example

[0047] The matching support system 100 for a guarantor and a lessee according to Example 1 of the present invention will be described.

[0048] The method for assisting the matching of a guarantor and a lessee according to the present invention is executed, for example, by the matching support system 100 for a guarantor and a lessee of Example 1 shown in FIG. 1. The matching support system 100 for a guarantor and a lessee of Example 1 includes a guarantor information terminal device 102, a lessee information terminal device 104, an information processing device 106 as a server, and a communication line 108.

[0049] First, the guarantor information terminal device 102 will be mainly described with reference to FIG. 2.

[0050] The guarantor information terminal 102 is operated by the guarantor 110 and has functions of inputting necessary information of the guarantor 110, displaying information about the borrower 112 required by the guarantor 110, and outputting or receiving other necessary information.

[0051] In the first embodiment, the guarantor information terminal 102 includes a guarantor input unit 114, a guarantor display unit 116, a guarantor information storage unit 118, a guarantor communication unit 122, and a guarantor arithmetic device 124. For example, a PC (personal computer), a tablet terminal, or a smartphone can be used. Note that the guarantor information terminal 102 may be plural instead of singular. In other words, as long as it is the guarantor information terminal 102 operated by the guarantor 110, it does not have to be a specific terminal.

[0052] Next, the guarantor input unit 114 will be described.

[0053] The guarantor input unit 114 has a function of inputting various information about the guarantor 110. Therefore, a device having a similar function other than the first embodiment can be used for the guarantor input unit 114. In the first embodiment, a known keyboard, a touch panel, etc. can be used for the guarantor input unit 114. In the first embodiment, the guarantor input unit 114 uses a known keyboard and includes a guarantor unique information input unit 126, a guarantor specific information input unit 128, a guarantor contact request input unit 132, a guarantor contact request approval input unit 134, and a guarantor contact request rejection input unit 136.

[0054] The guarantor unique information input unit 126 will be described.

[0055] The guarantor unique information input unit 126 has a function of inputting the guarantor unique information GNI. In the first embodiment, the guarantor unique information GNI is input using the keyboard of the guarantor input unit 114.

[0056] The guarantor unique information GNI will be described.

[0057] The guarantor unique information GNI cannot identify the guarantor 110, but it is information that can provide an overview. As the guarantor unique information GNI, for example, in Embodiment 1, the guarantor nickname GNN, the guarantor unique address GNA, the guarantor target area GOI, the guarantor guarantee condition GWI, the guarantor contract amount GCF, and the guarantor renewal amount GRI can be registered. However, other items such as hobbies can be added to or deleted from the guarantor unique information GNI.

[0058] The guarantor nickname GNN is not the real name of the guarantor 110, but a calling name such as a nickname, alias, or abbreviation, and it is information that cannot identify the individual. To prevent confusion with third parties, the guarantor nickname GNN is checked for duplicates in the information processing device 106, and only unique information is recorded in this system 100. As the guarantor nickname GNN, only numbers or combinations of numbers and letters can be adopted. Therefore, the guarantor nickname GNN can be automatically created and assigned as unique information in the information processing device 106 without the guarantor 110 inputting it.

[0059] The guarantor unique address GNA is the address of the guarantor 110, but it is not all addresses representing individual sections, but information up to the administrative division, for example, general administrative division information such as Chiyoda-ku, Tokyo or Hachioji-shi, Tokyo. However, broad regional names such as prefectures or the Kanto region other than cities, towns, and villages can be adopted.

[0060] The guarantor target area GOI is the regional information that the guarantor guarantees, for example, information representing administrative divisions such as Tokyo or Kanagawa Prefecture. However, broad regional names such as prefectures or the Kanto region can be adopted.

[0061] The guarantor guarantee condition GWI is the condition when the guarantor 110 provides a guarantee, for example, conditions such as gender and age. However, the guarantor guarantee condition GWI can be not adopted.

[0062] The guarantor contract fee GCF is the amount that is the consideration for the guarantee contract desired by the guarantor 110. However, the guarantor contract fee GCF cannot be adopted.

[0063] The guarantor renewal fee GRI is the amount that is the consideration at the time of renewal of the guarantee contract desired by the guarantor 110. However, the guarantor renewal fee GRI cannot be adopted.

[0064] The guarantor unique information GNI may be registered by combining only the guarantor nickname GNN, or any one or more of the guarantor unique address GNA to the guarantor renewal fee information RWI.

[0065] Next, the guarantor display unit 116 will be described with reference to FIG. 3.

[0066] The guarantor display unit 116 has a function of displaying various information on the guarantor information terminal 102. Therefore, the guarantor display unit 116 is not limited to the present Embodiment 1, and other structures having the same function can be adopted. In the present Embodiment 1, the guarantor display unit 116 can adopt a known display device such as a liquid crystal or an organic EL (Electroluminescence).

[0067] On the guarantor display unit 116, the matching top page 224, the guarantor information input screen GIW, the guarantor search screen GAS, and the guarantor rental information display screen GSD are displayed. These may be displayed on one screen or on different screens.

[0068] On the matching top page 224, in the present Embodiment 1, as shown in FIG. 3, the guarantor menu 226, the renter menu 228, and the end button 230 are displayed. On the guarantor information input screen GIW, in the present Embodiment 1, as shown in FIG. 4(A), the guarantor unique information input unit 126 and the guarantor specific information input unit 128 are displayed. On the guarantor search screen GAS, in the first embodiment, as shown in FIG. 5, an instruction button area 272, a lessee display area 274, and a guarantor search condition selection button area 276 are displayed. On the lessee information display screen GSD for guarantors, in the first embodiment, a lessee unique information display section 137, a lessee specific information display section 138, and a button 306 to return from the lessee information are displayed.

[0069] Next, the matching top page 224 will be described with reference to FIG. 3. The matching top page 224 is an example of the top page of the guarantor and lessee matching support system 100 that is first displayed on the guarantor display section 116 or the lessee display section 156 when the guarantor 110 accesses the information processing apparatus 106 using the guarantor information terminal 102 or the lessee 112 accesses the information processing apparatus 106 using the lessee information terminal 104.

[0070] The matching top page 224 is a so-called menu screen for selecting the work that the guarantor 110 or the lessee 112 intends to process, and a guarantor menu 226, a lessee menu 228, and an end button 230 are displayed.

[0071] Next, the guarantor menu 226 will be described.

[0072] The guarantor menu 226 has a function of inputting information related to the guarantor 110 and selecting to search for the lessee 112 or to shift to each process of rent management. In the first embodiment, the guarantor menu 226 is provided with a guarantor information input button 232, a lessee candidate search button 234, and a rent management button 236. When any of the buttons is tapped, the process shifts to the process of the tapped button. Note that tapping generally refers to an operation of piercing the screen with a finger or a dedicated pen, but in this specification, it includes clicking and the like in addition to the piercing operation.

[0073] Next, the lessee menu 228 will be described.

[0074] The lessee menu 228 has a function of inputting information about the lessee 112 and selecting to search for the guarantor 110 or to shift to each process of rent management. In the first embodiment, the lessee menu 228 is provided with an information input button 242 for the lessee, a guarantor candidate search button 244, and a rent payment input button 246. When any of the buttons is tapped, the process of the tapped button is shifted to.

[0075] When the end button 230 is tapped, the display of the matching top page 224 ends.

[0076] When the information input button 232 for the guarantor is tapped, the guarantor information input screen GIW shown in FIG. 4(A) is displayed on the guarantor display unit 116 of the guarantor information terminal 102. In the first embodiment, the guarantor information input screen GIW displays a guarantor unique information input unit 126, a guarantor specific information input unit 128, a guarantor return button 256, and a guarantor registration button 258.

[0077] In the guarantor unique information input unit 126, input units for the guarantor nickname GNN, the guarantor unique address GNA, the guarantor target area GOI, the guarantor guarantee condition GWI, the guarantor contract amount GCF, and the guarantor renewal amount GRI are displayed, so they are input using the guarantor input unit 114. The input guarantor unique information GNI is transmitted to the information processing device 106 when the guarantor registration button 258 is tapped, and is recorded in the guarantor unique information recording unit 202N and the guarantor specific information recording unit 202S respectively, associated with the guarantor nickname GNN. The association between the guarantor nickname GNN and the guarantor specific information GSI and other information may be direct or indirect.

[0078] In the guarantor-specific information input section 128, input sections for the guarantor's full name GRN, current address GRA, place of origin GRD, phone number GPN, and email address GMA are displayed, so input using the guarantor input section 114. The input guarantor-specific information GSI is transmitted to the information processing device 106 when the guarantor registration button 258 is tapped, and is recorded in the guarantor-specific information recording section 202S, respectively, associated with the guarantor's nickname GNN.

[0079] When the guarantor return button 256 is tapped, return to the top page 224.

[0080] Next, the case where the tenant candidate search button 234 is tapped will be described. When the tenant candidate search button 234 on the matching top page 224 is tapped, the guarantor search screen GAS shown in Fig. 5(A) is displayed on the guarantor display section 116 of the guarantor information terminal 102. In this Example 1, on the guarantor search screen GAS, an instruction button area 272, a tenant display area 274, a guarantor search condition selection button area 276, a guarantor search return button 256, a download button 268, and a tenant-specific information display button 270 are displayed.

[0081] In the instruction button area 272, a guarantor inquiry button 144, a guarantor agreement button 148, a guarantor payment button 278, a guarantor rejection button 152, and a guarantor contract establishment button 282 are displayed.

[0082] In the guarantor search condition selection button area 276, a range selection button 284, a condition selection button 286, a contract fee selection button 288, an update fee selection button 292, and a selection cancellation button 294 are displayed.

[0083] When the range selection button 284 is tapped, in this Example 1, as shown in Fig. 5(B), the guarantor 110 can select the guaranteed area. Specifically, the prefectures in the Kanto region can be selected one by one. For example, when Tokyo is tapped, the tenant 112 whose tenant unique address TNA is in Tokyo is selected, and the tenant unique information TNI of the selected tenant 112 is displayed in the tenant display area 274.

[0084] When the conditional selection button 286 is tapped, in the first embodiment, as shown in FIG. 5(C), it is possible to select by age, gender, occupation, or annual income. By age, for example, it is possible to select in 10-year intervals from the teens to the seventies. By gender, it is possible to select male, female, or both genders. By occupation, for example, it is possible to select from civil servants, company employees, organization employees, self-employed individuals, or unemployed. By annual income, for example, it is possible to select from less than 1 million yen, 1 million to less than 2 million yen, 2 million to less than 3 million yen, 3 million to 4 million yen, or 4 million to less than 5 million yen. For example, when a condition is tapped, pull-down menus for age, gender, occupation, and annual income are displayed. In this pull-down menu, for example, when age is tapped, options for age conditions from the teens to the seventies are displayed as a pull-down menu in 10-year increments. When the cursor is tapped in the selected age group, the lessee 112 corresponding to that age is selected, and their lessee unique information TNI is displayed in the lessee display area 274. For example, when the age in the thirties is tapped, the lessee 112 in the thirties is selected and displayed in the lessee display area 274. For example, after selecting a lessee in Tokyo, if gender is tapped in the conditions and male is tapped, the male living in Tokyo is selected as the lessee 112 and displayed in the lessee display area 274. After tapping occupation in the conditions, if company employee is tapped and annual income of 3 million to less than 4 million is tapped, the lessee 112 corresponding to the search conditions is selected, and their lessee unique information TNI is displayed in the lessee display area 274. Also, after selecting age and gender and then releasing the cursor, the lessee 112 corresponding to that age and gender is selected, and their lessee unique information TNI is displayed in the lessee display area 274.

[0085] The display order of age, gender, occupation, or annual income in the conditions can be changed as appropriate, and the items can also be set as appropriate. Also, the selectable items are not limited to these and can be set.

[0086] When the contract fee selection button 288 is tapped, in the present Example 1, as shown in FIG. 5(D), it is possible to select in seven steps where the amount is less than 50,000 yen to 300,000 yen or more. For example, when the contract fee selection button 288 is tapped, a pull-down menu is displayed in seven steps. When the cursor is tapped to, for example, less than 100,000 to 150,000 yen, the lessee 112 with the contract fee under such conditions is selected, and the lessee unique information TNI is displayed in the lessee display area 274.

[0087] When the renewal fee selection button 292 is tapped, in the present Example 1, as shown in FIG. 5(E), it is possible to select in seven steps where the amount is less than 50,000 yen to 300,000 yen or more. For example, when the renewal fee selection button 292 is tapped, a pull-down menu is displayed in seven steps. When the cursor is tapped to, for example, less than 50,000 to 80,000 yen, the lessee 112 with the renewal fee under such conditions is selected, and the lessee unique information TNI is displayed in the lessee display area 274.

[0088] When the cancellation selection button 294 is tapped, the lessee unique information TNI in the lessee display area 274 selected and displayed by the range selection button 284 to the renewal fee selection button 292 is cancelled. In other words, the display of the lessee unique information TNI in the lessee display area 274 is cancelled.

[0089] In the lessee display area 274, the lessee unique information TNI of the search results obtained by the search conditions in the guarantor search condition selection button area 276 is displayed. That is, the lessee nickname TNN, lessee unique address TNA, lessee occupation TOI, lessee workplace TJI, lessee continuous service years TSY, lessee annual income TYI, and lessee rent TRI of the lessee 112 who wishes to match are displayed. When there are multiple pieces of lessee unique information TNI, the above information is displayed in a column for each piece of lessee unique information TNI. Therefore, when there are no search results, nothing is displayed in the lessee display area 274. Note that the display of the lessee unique information TNI as the result of the search by the search conditions in the guarantor search condition selection button area 276 is not limited to the example in Fig. 5(A) and can be displayed. For example, the display of the guarantor display section 116 can be displayed in a single card shape similar to the display of the lessee input screen shown in Fig. 4(B), and when there are multiple hits, they can be displayed one by one in a scrolling manner.

[0090] In the lessee display area 274, the lessee unique information TNI of the lessee 112 who is a candidate for guarantee is displayed. On the left side of the displayed lessee unique information TNI, a guarantor contact request checkbox 142, a guarantor response checkbox 146, and a lessee response box 150 are displayed. The lessee unique information TNI, the guarantor contact request checkbox 142, the guarantor response checkbox 146, and the lessee response box 150 displayed in the same row are related.

[0091] Next, the guarantor contact request input section 132 will be described.

[0092] The guarantor contact request input unit 132 has a function of identifying the lessee 112 with whom the guarantor 110 desires to make contact and transmitting guarantor contact request information GCR to the information processing apparatus 106 for the lessee 112. Therefore, the guarantor contact request input unit 132 is not limited to the first embodiment, and other methods having the same function can be adopted. In the first embodiment, the guarantor contact request input unit 132 is composed of a guarantor contact request check box 142 and a guarantor inquiry button 144 displayed on the guarantor search screen GAS. That is, after checking the guarantor contact request check box 142 and then tapping the guarantor inquiry button 144, the guarantor contact request information GCR is associated with the guarantor nickname GNN and transmitted to the information processing apparatus 106. In other words, it is transmitted to the lessee 112. Therefore, when further information is required to determine to become a guarantor for the lessee 112 displayed in the lessee display area 274, after tapping and checking the guarantor contact request check box 142 and then tapping the guarantor inquiry button 144, the guarantor contact request information GCR is transmitted to the information processing apparatus 106. Note that the guarantor nickname GNN associated with the guarantor contact request information GCR may actually be any guarantor nickname GNN, and it does not have to be the guarantor nickname GNN itself.

[0093] Next, the guarantor contact request approval input unit 134 will be described. The guarantor contact request approval input unit 134 has a function of transmitting guarantor contact approval information GCA to the information processing apparatus 106 when the guarantor 110 approves the lessee contact request information TCR from the lessee 112. In the first embodiment, the guarantor contact request approval input unit 134 is composed of a guarantor answer check box 146 and a guarantor agreement button 148. As a result, when the guarantor answer check box 146 is checked and then the guarantor agreement button 148 is tapped, the guarantor contact approval information GCA is transmitted to the information processing apparatus 106.

[0094] Next, the guarantor contact request rejection input unit 136 will be described. The guarantor contact request rejection input unit 136 has a function of transmitting guarantor contact rejection information GRR to the information processing apparatus 106 when the guarantor 110 rejects the borrower contact request information TCR from the borrower 112. In the first embodiment, the guarantor contact request rejection input unit 136 is composed of a guarantor answer checkbox 146 and a guarantor rejection button 152. Accordingly, when the guarantor rejection button 152 is tapped after checking the guarantor answer checkbox 146, the guarantor contact rejection information GRR is transmitted to the information processing apparatus 106.

[0095] Next, the guarantor guarantee consent input unit 140 will be described. The guarantor guarantee consent input unit 140 has a function of transmitting guarantor guarantee consent information GCI to the information processing apparatus 106 when the guarantor 110 agrees to become the guarantor of the borrower 112. In the first embodiment, the guarantor guarantee consent input unit 140 is composed of a guarantor guarantee consent box 150 and a guarantor payment button 278. Accordingly, when the guarantor payment button 278 is tapped after checking the guarantor guarantee consent box 150, the guarantor guarantee consent information GCI is transmitted to the information processing apparatus 106.

[0096] Next, the borrower unique information display unit 137 will be described with reference to FIG. 7(A). The borrower unique information display unit 137 displayed on the guarantor display unit 116 displays the borrower nickname TNN, the borrower unique address TNA, the borrower occupation TOI, the borrower continuous service years TSY, the borrower annual income TYI, and the borrower rent TRI, which are the borrower unique information TNI input by the borrower 112. This borrower unique information display unit 137 is the same as the borrower unique information TNI that depends on the borrower display area 274 in FIG. 5.

[0097] Next, the borrower specific information display unit 138 will be described with reference to FIG. 7(A). The borrower specific information display unit 138 displays the borrower's full name TRN, the borrower's current address TRA, the borrower's place of origin TRD, the borrower's place of work TWI, the borrower's phone number TPN, and the borrower's email address TMA, which are the borrower specific information TSI input by the borrower 112.

[0098] In the guarantor search screen GAS, when the guarantor contact request checkbox 142, the guarantor response checkbox 146, or the guarantor guarantee consent box 150 is checked, for example, a dot is displayed in these checkboxes to indicate that they are checked. When the guarantor contact request checkbox 142 is checked and the inquiry button 144 is tapped, the guarantor contact request checkbox 182 in the borrower display section 156 of the borrower information terminal 104 is checked and displayed. The checked display means, for example, when a dot is displayed in the checkbox or when the checkbox is colored.

[0099] After checking the guarantor contact request checkbox 142 and then tapping the guarantor inquiry button 144, the guarantor contact request information GCR associated with the borrower unique information TNI corresponding to the guarantor contact request checkbox 142 is transmitted to the information processing device 106 and recorded in the guarantor / borrower request information recording section 208. As a result, when the borrower 112 accesses the information processing device 106 and taps the guarantor candidate search button 244, the borrower response checkbox 186 in the borrower search screen TSS is displayed with a checkmark.

[0100] When the guarantor response checkbox 146 is checked and the corresponding guarantor consent button 148 is tapped, the guarantor contact approval information GCC is transmitted to and recorded in the information processing device 106.

[0101] When the guarantor guarantee consent box 150 is checked and the guarantor payment button 278 is tapped, the guarantor guarantee consent information GCI is transmitted to the information processing device 106 in association with the guarantor nickname GNN and the borrower nickname TNN.

[0102] Based on the guarantor's guarantee consent information GCI, the guarantor fee payment information FPI is associated with the guarantor's nickname GNN and the lessee's nickname TNN and recorded in the guarantor information recording unit 202. Based on the guarantor fee payment information FPI, separately, the payment process of the fee from the guarantor 110 to the administrator 120 of the information processing device 106 is performed.

[0103] When the contract establishment button 282 is tapped in the state where the check box 150 of the guarantor's guarantee consent is checked, the guarantor contract establishment information GCAI is associated with the guarantor's nickname GNN and the lessee's nickname TNN and recorded in the contract establishment information recording unit 218. Based on the guarantor contract establishment information GCAI, the guarantor 110 can download the contract template with the lessee 112 by tapping the download button 268.

[0104] Next, the lessee-specific information display button 270 will be described. When there is a lessee 112 who has issued the lessee contact request information TCR, the check box 142 of the guarantor contact request is checked. When the lessee-specific information display button 270 is tapped in this state, for example, the lessee information display screen GSD for the guarantor shown in FIG. 7(A) is displayed on the guarantor display unit 116. At least the lessee-specific information TSI is displayed in the lessee-specific information display unit 138 of the lessee information display screen GSD for the guarantor. In the lessee information display screen GSD for the guarantor in the present Embodiment 1, a lessee unique information display unit 137 is provided, and the lessee unique information TNI is also displayed.

[0105] The lessee-specific information TSI input by the lessee 112 is displayed in the lessee-specific information display unit 138 of the guarantor display unit 116.

[0106] The lessee-specific information TSI preferably includes the lessee's full name TRN, lessee's address TRA, lessee's place of origin TRD, lessee's workplace TWI, lessee's phone number TPN, and lessee's email address TMA, but may also include other information.

[0107] The lessee's real name TRN is the real name of lessee 112, also known as the actual name, which is consistent with the name in the basic resident register and the name in the household register, and does not include pen names, stage names, or common names.

[0108] The lessee's address TRA is the actual address of lessee 112 at the time of input, which is the address where the lessee is registered in the basic resident register.

[0109] The lessee's domicile TRD is the address recorded as the domicile under the Household Register Law (Law No. 224 of 1947) of lessee 112 at the time of input.

[0110] The lessee's workplace TWI is the name of the lessee's workplace at the time of input of lessee 112. If unemployed, "unemployed" is registered.

[0111] The lessee's phone number TPN is the phone number of lessee 112 at the time of input, which can be a mobile phone number or a so-called landline phone number.

[0112] The lessee's email address TMA is the email address of lessee 112 at the time of input, or an address that can identify an individual in SNS (Social Networking Service), etc.

[0113] Next, the guarantor search return button 256 will be explained. When the guarantor search return button 256 is tapped, it returns to the matching top page 224.

[0114] In the present Example 1, for example, when searching for lessee 112 who has an address in Tokyo, the range selection button 284 is tapped. As a result, as shown in Fig. (B) of the same figure, a pull-down menu of prefecture names is displayed, so the cursor is placed on "Tokyo" to be searched and tapped.

[0115] Thereby, in the information processing apparatus 106, lessee 112 corresponding to the search condition "Tokyo" is searched, and the search result is transmitted to the guarantor information terminal 102.

[0116] In the guarantor information terminal 102, as shown in FIG. 5(A), the borrower unique information TNI of the borrower 112 candidates who hit the borrower display area 274 of the guarantor search screen GAS is displayed. In this case, the guarantor contact request check box 142, the guarantor response check box 146, and the borrower response box 150 displayed on the left side of the displayed borrower unique information TNI are not checked.

[0117] The guarantor 110 selects the borrower 112 whom he / she thinks is acceptable for guarantee from the borrower unique information TNI, taps the guarantor contact request check box 142 to check it, and then taps the guarantor inquiry button 144. As a result, the guarantor contact request information GCR is transmitted to the information processing device 106, and the guarantor contact request information GCR is recorded in the guarantor / borrower request information recording unit 208 in association with the guarantor nickname GNN and the borrower nickname TNN.

[0118] Based on this guarantor contact request information GCR, when the borrower 112 who received the guarantor contact request taps the guarantor candidate search button 244 on the matching top page 224 to display the borrower search screen TSS, as shown in FIG. 11(A), the guarantor unique information GNI of the guarantor 110 is displayed surrounded by a frame 248 in the guarantor candidate display area 196 on the borrower search screen TSS, but the borrower contact request check box 182, the borrower response check box 186, and the borrower contract establishment check box 187 are not checked. Note that the display method of the guarantor contact request information GCR on the borrower search screen TSS can be changed to other special mark displays or character displays in addition to surrounding with the frame 248 in the first embodiment 1, and the same applies to the following explanations of the guarantor search screen GAS and the like.

[0119] In this state, if the lessee 112 checks the lessee response checkbox 186 and taps the lessee consent button 188, the lessee contact approval information TCA is sent to the information processing device 106, and the guarantor contact request information GCR and the lessee contact approval information TCA are recorded in the guarantor / lessee request approval information recording unit 210 in association with the guarantor nickname GNN and the lessee nickname TNN. If the lessee checks the lessee response checkbox 186 and taps the lessee rejection button 192, the lessee contact rejection information TRR is sent to the information processing device 106, and the lessee contact rejection information TRR is recorded in the guarantor / lessee request approval information recording unit 210 in association with the guarantor nickname GNN and the lessee nickname TNN.

[0120] Next, the guarantor-specific information input unit 128 will be described.

[0121] The guarantor-specific information input unit 128 has a function of inputting the guarantor-specific information GSI regarding the guarantor 110. The guarantor-specific information input unit 128 is information that can identify the guarantor 110. In other words, it is information that can identify the guarantor 110 when concluding a contract between the guarantor 110 and the lessee 112. As the guarantor-specific information GSI, for example, it is preferably the guarantor's full name GRN, the guarantor's current address GRA, the guarantor's domicile GRD, the guarantor's phone number GPN, and the guarantor's email address GMA. However, the guarantor-specific information GSI may be information that can identify the guarantor 110, at least only the guarantor's full name GRN and the guarantor's current address GRA, or information combined with one or more of those information and other information.

[0122] The guarantor's full name GRN is the actual name of the guarantor 110 at the time of registration. In other words, it is the same name as the name registered in the resident register under the Resident Basic Register Act and the name recorded in the household register.

[0123] The guarantor's current address GRA is the address registered in the resident basic register, which is the place of residence of the guarantor 110 at the time of registration.

[0124] The guarantor's native place GRD is the location (address) where the household register of guarantor 110 is located at the time of registration.

[0125] The guarantor's phone number GPN is a number that can be used to communicate with the guarantor 110 himself, such as a landline phone, mobile phone, satellite phone, etc., that the guarantor 110 is using at the time of registration.

[0126] The guarantor's email address GMA is the email address that the guarantor 110 is using at the time of registration, and the email address that the guarantor 110 considers to be the most appropriate is registered.

[0127] Next, the guarantor information storage unit 118 will be described.

[0128] The guarantor information storage unit 118 has a function of recording necessary information in the guarantor information terminal 102, and a known storage device is used.

[0129] The necessary information includes the guarantor unique information GNI for transmission to the information processing device 106, the tenant unique information TNI received from the information processing device 106, and the like.

[0130] Next, the guarantor communication unit 122 will be described.

[0131] The guarantor communication unit 122 has a function of communicating with the information processing device 106 via the communication line 108, and a known communication device is used in the first embodiment.

[0132] Next, the guarantor arithmetic unit 124 will be described.

[0133] The guarantor arithmetic unit 124 has a function of performing necessary information processing in the guarantor information terminal 102. In the first embodiment, a microcomputer is used as the guarantor arithmetic unit 124.

[0134] The functions of the guarantor arithmetic unit 124 will be described later.

[0135] Next, the lessee information terminal 104 will be described mainly with reference to FIG. 2.

[0136] The lessee information terminal 104 is operated by the lessee 112 in the guarantor-lessee matching support system 100, and has the function of inputting the information required by the lessee 112, or outputting or receiving information about the guarantor 110 required by the lessee 112 and the required information.

[0137] In the first embodiment, the lessee information terminal 104 includes a lessee input unit 154, a lessee display unit 156, a lessee information storage unit 158, a lessee communication unit 162, and a lessee arithmetic unit 164. For example, a PC (personal computer), a tablet terminal, or a smartphone can be used. Note that the lessee information terminal 104 may be plural instead of singular. In other words, as long as it is the lessee information terminal 104 operated by the lessee 112, it does not have to be a specific terminal.

[0138] When the lessee 112 uses the guarantor-lessee matching support system 100, first, in the lessee information terminal 104, the lessee menu 228 shown in FIG. 3 is launched. In the first embodiment, as shown in FIG. 3, the lessee menu 228 is provided with a lessee information input button 242, a guarantor candidate search button 244, and a rent payment input button 246. When any button is tapped, the process proceeds to the process of the tapped button.

[0139] The lessee input unit 154 has the function of inputting various information about the lessee 112. Therefore, as the lessee input unit 154, a device having a similar function other than the first embodiment can be used. When the renter information input button 242 is tapped, for example, the renter input screen TIS shown in FIG. 4(B) is displayed on the renter display unit 156. On the renter input screen TIS, a renter unique information input section 166 and a renter specific information input section 168 are displayed. The renter unique information input section 166 and the renter specific information input section 168 may be displayed on one screen or on different screens as in the first embodiment. The renter 112 inputs into the items displayed in the renter unique information input section 166 using the renter input unit 154. In the first embodiment, the renter input unit 154 can use a known keyboard, touch panel, or the like. In the first embodiment, a known keyboard is used for the renter input unit 154.

[0140] Next, the renter unique information input section 166 will be described.

[0141] The renter unique information input section 166 has a function of inputting renter unique information TNI. In the first embodiment, the renter unique information TNI is input using the touch panel of the renter input unit 154.

[0142] In the renter unique information input section 166, the renter 112 inputs the renter unique information TNI. When modifying the already registered renter unique information TNI, it is done by modifying the renter unique information TNI displayed in the renter unique information input section 166.

[0143] The renter unique information TNI can include a renter nickname TNN, a renter unique address TNA, a renter occupation TOI, a renter continuous service years TSY, a renter annual income TYI, and a renter rent TRI. However, only the renter nickname TNN or a combination of the renter nickname TNN and one or more other pieces of information can be used.

[0144] The tenant nickname TNN is a calling name such as a pet name, alias, or abbreviation, not the real name of tenant 112. To prevent confusion, the tenant nickname TNN is checked for duplication with the guarantor nickname GNN, and only unique information is registered. Therefore, the guarantor 110 cannot be identified from the tenant nickname TNN, and only a specific tenant 112 is identified.

[0145] The tenant unique address TNA is the address of tenant 112, but not all addresses representing individual sections. It is information up to the administrative division, for example, rough administrative division information such as Shibuya-ku, Tokyo or Mitaka-shi, Tokyo.

[0146] The tenant occupation TOI is information regarding the occupation of tenant 112. For example, the occupation classification displayed in the major classification, medium classification, or minor classification in the Hello Work Occupation Classification Code List can be adopted, but the major classification level is preferred.

[0147] The tenant continuous service years TSY is the continuous service years at the workplace at the time of registration. In the case of an individual business owner, it is the continuous years. If it is less than 1 year, it is displayed using zero or a decimal point. If unemployed, it is zero.

[0148] The tenant annual income TYI is the annual income at the time of registration. It can be approximately displayed in units of 100,000 yen per year, or input within a predetermined range such as 3 million to 4 million yen.

[0149] The tenant rent TRI is the monthly rent of the property that tenant 112 plans to newly lease.

[0150] Next, the tenant-specific information input section 168 will be described.

[0151] The lessee-specific information input unit 168 has a function of inputting lessee-specific information TSI regarding the lessee 112. The lessee-specific information TSI is information that can identify the lessee 112. In other words, it is information that can identify the lessee 112 when concluding a contract between the guarantor 110 and the lessee 112. As the lessee-specific information TSI, for example, it preferably includes the lessee's full name TRN, the lessee's current address TRA, the lessee's place of origin TRD, the lessee's place of work TWI, the lessee's phone number TPN, and the lessee's email address TMA. However, the lessee-specific information TSI may be only at least the lessee's full name TRN and the lessee's current address TRA, which are information that can identify the lessee 112, or one or more pieces of information including those and other information, and can include information other than the exemplified ones.

[0152] The lessee's full name TRN is the real name of the lessee 112 at the time of registration. In other words, it is the same name as the name registered in the resident register under the Resident Basic Register Act and the record of the name in the household register.

[0153] The lessee's current address TRA is the address registered in the resident basic register, which is the base of the lessee 112's life at the time of registration.

[0154] The lessee's place of origin TRD is the place of origin in the household register of the lessee 112 at the time of registration.

[0155] The lessee's place of work TWI is the name of the lessee 112's place of work at the time of registration. In the case of an individual business owner, it is the shop name, etc.

[0156] The lessee's phone number TPN is a number that can be used to contact the lessee 112 himself / herself, such as a landline, mobile phone, satellite phone, etc. that the lessee 112 is using at the time of registration.

[0157] The lessee's email address TMA is the email address that the lessee 112 is using at the time of registration, and the email address that the lessee 112 considers to be the most appropriate, such as in SNS, etc. is registered.

[0158] Next, the lessee display unit 156 will be described with reference to FIG. 4(B).

[0159] The lessee display unit 156 has a function of displaying various information in the lessee information terminal 104. Therefore, the lessee display unit 156 is not limited to the first embodiment, and other structures having the same function can be adopted. In the first embodiment, the lessee display unit 156 is a known display unit such as a liquid crystal or an organic EL (Electroluminescence).

[0160] When the lessee information input button 242 is tapped on the lessee display unit 156, the lessee input screen TIS is displayed. When the guarantor candidate search button 244 is tapped, the lessee search screen TSS is displayed. When the rent payment input button 246 is tapped, the rent payment input screen is displayed. Note that since the rent payment input screen is not directly related to the present invention, the description thereof is omitted.

[0161] Next, the lessee search screen TSS will be described. As shown in FIG. 6(A), on the lessee search screen TSS, a lessee contact request input unit 172, a lessee contact request approval input unit 174, a lessee contact request rejection input unit 176, a guarantor specific information viewing input unit 177, a lessee instruction button area 194, a guarantor candidate display area 196, a lessee search condition selection button area 198, and a lessee search return button 199 are displayed.

[0162] In the lessee instruction button area 194, a lessee inquiry button 184, a lessee agreement button 188, a lessee payment button 190, a lessee contract establishment button 191, a lessee rejection button 192, and a guarantor specific information display button 200 are displayed.

[0163] In the lessee search condition selection button area 198, a guarantor range selection button 312, a guarantor condition selection button 314, a guarantor contract fee selection button 316, a guarantor renewal fee selection button 318, and a guarantor selection cancellation button 322 are displayed.

[0164] Next, the lessee contact request input unit 172 will be described.

[0165] The lessee contact request input unit 172 has a function of specifying the guarantor 110 that the lessee 112 wishes to contact and transmitting lessee contact request information TCR. Therefore, the lessee contact request input unit 172 is not limited to the first embodiment and can adopt other methods having the same function. In the first embodiment, as shown in FIG. 6(A), the lessee contact request input unit 172 is composed of a lessee contact request check box 182 and a lessee inquiry button 184 displayed on the lessee search screen TSS. That is, after tapping the lessee contact request check box 182 to check it and then tapping the lessee inquiry button 184, the lessee contact request information TCR is transmitted to the information processing device 106 and recorded in the guarantor / lessee request information recording unit 208 in the information processing device 106.

[0166] Next, the lessee contact request approval input unit 174 will be described.

[0167] The lessee contact request approval input unit 174 has a function of receiving guarantor contact request information GCR from the guarantor 110 who wishes to make contact and transmitting lessee contact approval information TCA when approving the contact. Therefore, the lessee contact request approval input unit 174 is not limited to the first embodiment and can adopt other methods having the same function. In the first embodiment, the lessee contact request approval input unit 174 is composed of a lessee response check box 186 and a lessee consent button 188 displayed on the lessee search screen TSS. With this configuration, after tapping the lessee response check box 186 to check it and then tapping the lessee consent button 188, the lessee contact approval information TCA is transmitted to the information processing device 106. After that, upon receiving the lessee contact approval information TCA, it is recorded in the guarantor / lessee request approval information recording unit 210 in association with the lessee nickname TNN and the guarantor nickname GNN. Based on this record, as shown in FIG. 10(A), the lessee unique information TNI related to the consent of the lessee 112 in the guarantor search screen GAS is surrounded by a frame 248 and displayed. The guarantor 112 can understand that the lessee 112 has tolerated the contact by checking the frame 248.

[0168] The lessee contact request rejection input unit 176 has a function of outputting lessee contact rejection information TRR when rejecting a contact request from the guarantor 110. In the first embodiment, the lessee contact request rejection input unit 176 is composed of a lessee response check box 186 and a lessee rejection button 192 displayed on the lessee search screen TSS. With this configuration, after tapping the lessee response check box 186 to check it and then tapping the lessee rejection button 192, the lessee contact rejection information TRR is transmitted to the information processing device 106 and recorded in the guarantor / lessee contact rejection information recording unit 220 in association with the lessee nickname TNN and the guarantor nickname GNN.

[0169] Next, the guarantor-specific information viewing input unit 177 will be described.

[0170] The guarantor-specific information viewing input unit 177 has a function of making the guarantor-specific information GSI, which is further information of the guarantor 110, viewable after receiving the guarantor contact approval information GCC from the guarantor 110. In the first embodiment, the guarantor-specific information viewing input unit 177 is composed of a lessee response check box 186 and a lessee payment button 190. When the lessee response check box 186 is checked and the lessee payment button 190 is tapped, it has a function of enabling the lessee 112 to view the guarantor-specific information GSI. In the first embodiment, when the lessee payment button 190 is tapped, the lessee viewing fee TRF is recorded in the lessee viewing fee payment information recording unit 206. Thereby, a predetermined amount of the lessee viewing fee TRF is paid from the lessee 112 to the administrator 120 of the information processing device 106, the guarantor-specific information display button 200 becomes operable, and by tapping the guarantor-specific information display button 200, the guarantor-specific information GSI is displayed on the lessee display unit 156, and the lessee 112 can confirm the guarantor-specific information GSI.

[0171] Next, the lessee contract establishment button 191 will be described. When the lessee contract establishment button 191 is tapped with the lessee contract establishment checkbox 187 checked, the lessee contract establishment information TCAI is associated with the guarantor nickname GNN, the lessee nickname TNN, and the date and time information and recorded in the contract establishment information recording section 218.

[0172] Next, the guarantor range selection button 312 will be explained. When the guarantor range selection button 312 is tapped, in the first embodiment, as shown in FIG. 6(B), for example, the prefectures in the Kanto region can be selected in units of one prefecture. For example, when Saitama Prefecture is tapped, the guarantor 110 whose guarantor unique address GNA is Saitama Prefecture is selected, and the guarantor unique information GNI of the selected guarantor 110 is displayed in the guarantor candidate display area 196.

[0173] When the guarantor condition selection button 314 is tapped, in the first embodiment, as shown in FIG. 6(C), it can be selected by age, gender, occupation, or annual income. By age, for example, it can be selected in 10-year intervals from the teens to the 70s. By gender, male, female, or both can be selected. By occupation, for example, it can be selected from civil servants, company employees, organization employees, self-employed individuals, or unemployed. By annual income, for example, it can be selected from less than 1 million yen, 1 million to less than 2 million yen, 2 million to less than 3 million yen, 3 million to 4 million yen, or 4 million to less than 5 million yen. For example, when a condition is tapped, the age condition options are displayed as a pull-down menu. After moving the cursor to the age group to be selected and then leaving the cursor in that age group, the guarantor 110 corresponding to that age is selected, and their guarantor unique information GNI is displayed in the guarantor candidate display area 196. For example, when the age is in the 20s, the gender is both, the occupation is a civil servant, and the annual income is less than 4 million to 5 million yen are selected, the guarantor 110 corresponding to the search conditions is selected, and their guarantor unique information GNI is displayed in the guarantor candidate display area 196. Also, after selecting the age and gender and then leaving the cursor, the guarantor 110 corresponding to that age and gender is selected, and their guarantor unique information GNI is displayed in the guarantor candidate display area 196.

[0174] The display order of age, gender, occupation, or annual income under the conditions can be changed as appropriate, and the items can be set as appropriate according to the need.

[0175] When the guarantor contract fee selection button 316 is tapped, in the present Example 1, as shown in FIG. 6(D), it is possible to select in seven steps where the amount is less than 50,000 yen to 300,000 yen or more. For example, when the guarantor contract fee selection button 316 is tapped, a pull-down menu is displayed in seven steps. When the cursor is tapped, for example, to be less than 100,000 to 150,000 yen, the guarantor 110 which is the contract fee under the condition is selected, and the guarantor unique information GNI is displayed in the guarantor candidate display area 196.

[0176] When the guarantor renewal fee selection button 318 is tapped, in the present Example 1, as shown in FIG. 6(E), it is possible to select in seven steps where the amount is less than 50,000 yen to 300,000 yen or more. For example, when the guarantor renewal fee selection button 318 is tapped, a pull-down menu is displayed in seven steps. When the cursor is tapped, for example, to be less than 50,000 to 80,000 yen, the guarantor 110 which is the renewal fee under the condition is selected, and the guarantor unique information GNI is displayed in the guarantor candidate display area 196.

[0177] When the guarantor selection cancellation button 322 is tapped, the guarantor unique information GNI in the guarantor candidate display area 196 selected and displayed by the guarantor range selection button 312 to the guarantor renewal fee selection button 318 is cancelled. In other words, the display of the guarantor unique information GNI in the guarantor candidate display area 196 is cancelled.

[0178] When the renter search return button 199 is tapped, it returns to the matching top page 224.

[0179] After the operation of the guarantor-specific information display button 200 becomes effective, if the guarantor-specific information display button 200 is tapped, for example, it switches to the lessee-specific information display screen TSD shown in FIG. 7(B), and at least the guarantor-specific information GSI is displayed. In the present Example 1, the guarantor unique information GNI is also displayed on the lessee-specific information display screen TSD.

[0180] In the same row as the guarantor unique information GNI displayed in the guarantor candidate display area 196, the lessee contact request checkbox 182, the lessee response checkbox 186, and the lessee contract establishment checkbox 187 are displayed in parallel.

[0181] As shown in FIG. 7(B) for example, on the lessee-specific information display screen TSD, the guarantor unique information display section 178 and the guarantor-specific information display section 180 are displayed in parallel. In the guarantor unique information display section 178, for example, the guarantor unique information GNI such as the guarantor nickname GNN, the guarantor unique address GNA, the guarantor target area GOI, the guarantor guarantee condition GWI, the guarantor contract amount GCF, and the guarantor renewal amount GRI are displayed. In the guarantor-specific information display section 180, for example, the guarantor's full name GRN, the guarantor's current address GRA, the guarantor's place of origin GRD, the guarantor's phone number GPN, and the guarantor's email address GMA, which are the guarantor-specific information GSI, are displayed.

[0182] The guarantor unique information GNI preferably includes the guarantor nickname GNN, the guarantor unique address GNA, the guarantor target area GOI, the guarantor guarantee condition GWI, the guarantor contract amount GCF, and the guarantor renewal amount GRI. However, the guarantor unique information GNI is not limited to Example 1, and other items can be adopted.

[0183] The guarantor nickname GNN is the nickname of the guarantor 110 and is the guarantor nickname GNN input on the guarantor information input screen GIW. The guarantor nickname GNN can be composed of only letters or numbers, and can also be automatically generated by a program.

[0184] The guarantor unique address GNA is the address at the time of registration of guarantor 110 and is the guarantor unique address GNA entered on the guarantor information input screen GIW.

[0185] The guarantor target area GOI is the range of the lessee's address for which guarantor 110 desires to provide a guarantee and is the guarantor target area GOI entered on the guarantor information input screen GIW.

[0186] The guarantor guarantee condition GWI is the condition for providing a guarantee required by guarantor 110. For example, if the rent is not paid within the due date, the contract will be terminated, etc., and is the guarantor guarantee condition GWI entered on the guarantor information input screen GIW.

[0187] The guarantor contract deposit GCF is the contract deposit at the time of contract establishment desired by guarantor 110 and is the guarantor contract deposit GCF entered on the guarantor information input screen GIW.

[0188] The guarantor renewal fee GRI is the renewal fee at the time of renewal desired by guarantor 110 and is the guarantor renewal fee GRI entered on the guarantor information input screen GIW.

[0189] Next, the guarantor-specific information display section 180 will be described. Guarantor-specific information GSI is displayed in the guarantor-specific information display section 180. As the guarantor-specific information GSI, the guarantor's full name GRN, the guarantor's current address GRA, the guarantor's domicile GRD, the guarantor's phone number GPN, and the guarantor's email address GMA are displayed. The guarantor's full name GRN, the guarantor's current address GRA, the guarantor's domicile GRD, the guarantor's phone number GPN, and the guarantor's email address GMA are the guarantor-specific information GSI entered on the guarantor information input screen GIW. The guarantor's email address GMA includes the address on SNS.

[0190] Next, the case where the lessee 112 approves the guarantor contact request information GCR of the guarantor 110 will be mainly described with reference to FIG. 6. When the lessee 112 taps the guarantor candidate search button 244 on the matching top page 224 and moves to the lessee search screen TSS, the guarantor contact request information GCR recorded in the guarantor / lessee request information recording unit 208 of the information processing apparatus 106 is received, and the lessee unique information TNI related to the guarantor contact request information GCR and the corresponding lessee contact request checkbox 182, lessee response checkbox 186, and lessee contract establishment checkbox 187 are displayed in the guarantor candidate display area 196. At this point, if there is a guarantor contact request GCR from the guarantor 110, a check mark is displayed in the lessee contact request checkbox 182. When the lessee 112 approves the guarantor contact request information GCR of the guarantor 110, after tapping and checking the lessee response checkbox 186, the lessee agreement button 188 is tapped. As a result, the lessee nickname TNN, the guarantor nickname GNN, the guarantor contact request information GCR, and the lessee contact approval information TCA are associated and transmitted to the information processing apparatus 106 and recorded in the guarantor / lessee request approval information recording unit 210.

[0191] As a result, when the guarantor 110 taps the lessee candidate search button 234 and moves to the guarantor search screen GAS, the lessee unique information TNI regarding the lessee 112 related to the guarantor 110 is displayed in the lessee display area 274, and the guarantor contact request checkbox 142 and the guarantor response checkbox 146 are displayed with check marks. Thus, the guarantor 110 can understand that the lessee 112 has agreed to the contact request.

[0192] When the guarantor 110 taps the lessee-specific information display button 270 with the guarantor response checkbox 146 checked and transmits lessee-specific information request information TSRI to the information processing device 106. When the information processing device 106 discriminates the lessee-specific information request information TSRI, it identifies the corresponding lessee-specific information TSI from the lessee nickname TNN and the guarantor nickname GNN and transmits it to the guarantor information terminal 102. The guarantor information terminal 102 that has received the lessee-specific information TSI displays the lessee-specific information TSI in the lessee-specific information display section 138 of the guarantor's lessee information display screen GSD shown in FIG. 7(A), for example, so that the guarantor 110 can confirm the lessee-specific information TSI. The guarantor 110 can obtain further information using the lessee's telephone number TPN or the lessee's email address TMA.

[0193] When the lessee 112 wants to confirm the guarantor-specific information GSI of the guarantor 110, for example, in the lessee's search screen TSS in FIG. 6(A), after tapping and checking the lessee response checkbox 186, the lessee payment button 190 is tapped. As a result, the guarantor-specific information request GNIR including the guarantor nickname GNN and the lessee nickname TNN is transmitted to the information processing device 106. In the information processing device 106, based on the reception of the guarantor-specific information request GNIR, the corresponding guarantor-specific information GSI is transmitted to the corresponding lessee information terminal 104. In the lessee information terminal 104, the received guarantor-specific information GSI is displayed on the lessee-specific information display screen TSD shown in FIG. 7(B), so that the lessee 112 can confirm the guarantor-specific information GSI. In the first embodiment, the guarantor-specific information GSI is the guarantor's full name GRN, the guarantor's current address GRA, the guarantor's domicile GRD, the guarantor's telephone number GPN, and the guarantor's email address GMA, which are the information input by the guarantor 110 in the guarantor information input screen GIW.

[0194] When the lessee 112 rejects the guarantor contact request GCR of the guarantor 110, after tapping the lessee response checkbox 186 to check it, the lessee rejection button 192 is tapped. As a result, the lessee contact rejection information TRR including the guarantor nickname GNN and the lessee nickname TNN is transmitted to the information processing device 106. When the information processing device 106 discriminates the lessee contact rejection information TRR, the corresponding guarantor information terminal 102 is specified from the lessee nickname TNN and the guarantor nickname GNN, and the lessee contact rejection information TRR is transmitted. The guarantor information terminal 102 that has received the lessee contact rejection information TRR does not display the lessee specific information TSI on the lessee specific information display unit 138.

[0195] Next, the lessee information storage unit 158 will be described.

[0196] The lessee information storage unit 158 has a function of recording information necessary in the lessee information terminal 104, and a known storage device is used.

[0197] The necessary information includes lessee unique information TNI for transmission to the information processing device 106, guarantor unique information GNI received from the information processing device 106, guarantor specific information GSI, and the like.

[0198] Next, the lessee communication unit 162 will be described.

[0199] The lessee communication unit 162 has a function of communicating with the information processing device 106 via the communication line 108, and in the present Embodiment 1, a known communication device is used.

[0200] Next, the lessee arithmetic unit 164 will be described.

[0201] The lessee arithmetic unit 164 has a function of performing necessary information processing in the lessee information terminal 104. In the present Embodiment 1, a microcomputer is used as the lessee arithmetic unit 164.

[0202] Next, the information processing device 106 will be described.

[0203] The information processing device 106 is managed by the manager 120, and has a function of performing predetermined processing based on the information received from the guarantor information terminal 102 or the lessee information terminal 104, transmitting predetermined information to them, and performing other necessary processing such as settlement of fees. Therefore, a device having a similar function can be used as the information processing device 106. In the first embodiment, a computer is used as the information processing device 106. As shown in FIG. 2, the guarantor information recording unit 202, the lessee information recording unit 204, the lessee viewing fee payment information recording unit 206, the guarantor / lessee request information recording unit 208, the guarantor / lessee contract information recording unit 212, the guarantor fee payment information recording unit 214, the contract access right information recording unit 216, the contract establishment information recording unit 218, the guarantor / lessee contact rejection information recording unit 220, the information processing device communication unit 222, and the information processing device arithmetic processing unit 223 are included.

[0204] Next, the guarantor information recording unit 202 will be mainly described with reference to FIG. 7.

[0205] The guarantor information recording unit 202 has a function of recording the guarantor unique information GNI input by the guarantor 110 and the guarantor specific information GSI. Therefore, the guarantor information recording unit 202 is not limited to the first embodiment, and other devices having a similar function can be adopted. In the first embodiment, a recording device such as a known RAM (Random Access Memory) can be adopted as the guarantor information recording unit 202, and the guarantor unique information recording unit 202N and the guarantor specific information recording unit 202S are provided.

[0206] The guarantor unique information recording unit 202N records the guarantor unique information GNI of other items in association with the guarantor nickname GNN, and the guarantor specific information GSI is recorded in the guarantor specific information recording unit 202S in association with the guarantor nickname GNN.

[0207] Next, the lessee information recording unit 204 will be described.

[0208] The lessee information recording unit 204 has a function of recording the lessee unique information TNI and the lessee specific information TSI input by the lessee 112. Therefore, the lessee information recording unit 204 is not limited to the first embodiment, and other devices having the same function can be adopted. In the first embodiment, the lessee information recording unit 204 can adopt a recording device such as a known RAM, and the lessee unique information recording unit 204N and the lessee specific information recording unit 204S are provided.

[0209] The lessee unique information recording unit 204N records the lessee unique information TNI, and the lessee specific information TSI is recorded in the lessee specific information recording unit 204S. The lessee unique information TNI, the lessee specific information TSI, and other information are recorded in association with the lessee nickname TNN. The association between the lessee nickname TNN and the lessee specific information TSI and other information may be direct or indirect.

[0210] Next, the lessee viewing fee payment information recording unit 206 will be described.

[0211] The lessee viewing fee payment information recording unit 206 records the lessee viewing fee TRF paid when the lessee 112 views the guarantor specific information GSI of the guarantor 110. The lessee viewing fee TRF paid by the lessee 112, the lessee nickname TNN of the lessee who made the payment, the guarantor nickname GNN of the viewing target, and other necessary information, for example, the date and time when the lessee payment deduction 190 was tapped, are recorded in association with each other.

[0212] Next, the guarantor / lessee request information recording unit 208 will be described.

[0213] The guarantor / lessee request information recording unit 208 has a function of recording the guarantor contact request information GCR or the lessee contact request information TCR made by the guarantor 110 or the lessee 112. In the present Example 1, a known recording device is used. The guarantor contact request information GCR, the lessee contact request information TCR, and other information are associated and recorded in relation to the lessee nickname TNN of the lessee 112 and the guarantor nickname GNN.

[0214] Next, the guarantor / lessee request approval information recording unit 210 will be described.

[0215] The guarantor / lessee request approval information recording unit 210 has a function of recording the lessee contact approval information TCA for the guarantor contact request information GCR, which is a guarantor contact request, or the guarantor contact approval information GCA for the lessee contact request information TCR made by the guarantor 110 or the lessee 112. In the present Example 1, a known recording device is used. The guarantor contact approval information GCA, the lessee contact approval information TCA, and other information are associated and recorded in relation to the lessee nickname TNN of the lessee 112 and the guarantor nickname GNN.

[0216] Next, the guarantor / lessee contract information recording unit 212 will be described.

[0217] The guarantor / lessee contract information recording unit 212 has a function of recording the contract information CDI for downloading the contract information CDI for concluding between the parties when a guarantor contract is established between the guarantor 110 and the lessee 112, and a function of recording the download information. In the present Example 1, a known recording device is used. In the guarantor / lessee contract information recording unit 212, for example, the download date and time DLT of the contract is recorded in relation to the lessee nickname TNN and the guarantor nickname GNN. Note that the guarantor / lessee contract information recording unit 212 may not be provided.

[0218] Next, the guarantor fee payment information recording unit 214 will be described.

[0219] When the guarantor fee payment information recording unit 214 concludes a guarantor contract between the guarantor 110 and the lessee 112, it records the guarantor fee GRF to be paid to the administrator 120. In the present Example 1, a known recording device is used. For example, it is recorded in association with the lessee nickname TNN and the guarantor nickname GNN, the guarantor fee date and time information GRT for which the guarantor fee GRF has been paid, and other information. When the guarantor fee GRF is paid, the guarantor access right information GAR of the contract document information CDI is granted.

[0220] Next, the contract document access right information recording unit 216 will be described.

[0221] The contract document access right information recording unit 216 has a function of recording the guarantor access right information GAR for the contract document information CDI in association with the guarantor nickname GNN and the lessee nickname TNN when the guarantor 110 pays the guarantor fee GRF. In the present Example 1, a known recording device is used. For example, it is recorded in association with the lessee nickname TNN and the guarantor nickname GNN, the guarantor fee date and time information GRT for which the guarantor fee GRF has been paid, the ID of the guarantor access right information GAR, and other information.

[0222] Next, the contract establishment information recording unit 218 will be described.

[0223] The contract establishment information recording unit 218 has a function of recording the contract establishment information CEI registered when the contract between the guarantor 110 and the lessee 112 is completed. In the present Example 1, a known recording device is used. The contract establishment information recording unit 218 records the guarantor contract establishment information GCAI received from the guarantor information terminal 102 or the lessee contract establishment information TCAI received from the lessee information terminal 104 in association with the guarantor nickname GNN, the lessee nickname TNN, the lessee contract establishment button 191 or the guarantor contract establishment button 282 tapped date and time information CCD, the guarantor access right information GAR, and other necessary information.

[0224] Next, the guarantor / lessee contact rejection information recording unit 220 will be described.

[0225] The guarantor / lessee contact rejection information recording unit 220 has a function of recording the guarantor contact rejection information GRR and the lessee contact rejection information TRR. For example, in association with the lessee nickname TNN and the guarantor nickname GNN, the guarantor contact rejection information GRR or the lessee contact rejection information TRR is recorded in association with the date and time information when the lessee rejection button 192 or the guarantor rejection button 152 is tapped.

[0226] Next, the information processing apparatus communication unit 222 will be described.

[0227] The information processing apparatus communication unit 222 has a function of communicating with the guarantor information terminal 102 or the lessee information terminal 104 via the communication line 108. In the present Example 1, a known communication apparatus is used.

[0228] Next, the information processing apparatus arithmetic processing unit 223 will be described.

[0229] The information processing apparatus arithmetic processing unit 223 has a function of performing necessary information processing in the information processing apparatus 106. In the present Example 1, a cloud server is used as the information processing apparatus arithmetic processing unit 223.

[0230] Next, the communication line 108 will be described.

[0231] The communication line 108 is a communication line and has a function of transmitting and receiving information between the guarantor information terminal 102 or the lessee information terminal 104 and the information processing apparatus 106, or between the guarantor information terminal 102 and the lessee information terminal 104. Therefore, a device having a similar function can be used as the communication line 108. In the present Example 1, a known Internet communication line is used as the communication line 108.

[0232] Next, the operations in the guarantor information terminal 102 or the lessee information terminal 104 in the guarantor / lessee matching support system 100 will be described.

[0233] First, the operation when the guarantor 110 taps the guarantor information input button 232 on the matching top page 224 will be mainly described with reference to FIG. 4.

[0234] When the guarantor information input button 232 is tapped, the guarantor information input screen GIW shown in FIG. 4(A) is displayed on the guarantor display unit 116 of the guarantor information terminal 102. In the first embodiment, on the guarantor information input screen GIW, a guarantor unique information input unit 126, a guarantor specific information input unit 128, a guarantor return button 256, and a guarantor registration button 258 are displayed.

[0235] In the guarantor unique information input unit 126, input units for the guarantor nickname GNN, the guarantor unique address GNA, the guarantor target area GOI, the guarantor guarantee condition GWI, the guarantor contract amount GCF, and the guarantor renewal amount GRI are displayed, so they are input using the guarantor input unit 114. The input guarantor unique information GNI is transmitted to the information processing device 106 when the guarantor registration button 258 is tapped, and is recorded in the guarantor unique information recording unit 202N and the guarantor specific information recording unit 202S respectively, associated with the guarantor nickname GNN.

[0236] In the guarantor specific information input unit 128, input units for the guarantor's full name GRN, the guarantor's current address GRA, the guarantor's place of origin GRD, the guarantor's phone number GPN, and the guarantor's email address GMA are displayed, so they are input using the guarantor input unit 114. The input guarantor specific information GSI is transmitted to the information processing device 106 when the guarantor registration button 258 is tapped, and is recorded in the guarantor specific information recording unit 202S respectively, associated with the guarantor nickname GNN.

[0237] When the guarantor return button 256 is tapped, it returns to the matching top page 224.

[0238] When the renter candidate search button 234 is tapped, the guarantor search screen GAS shown in Fig. 5(A) is displayed on the guarantor display section 116 of the guarantor information terminal 102. In the present Example 1, on the guarantor search screen GAS, an instruction button area 272, a renter display area 274, a guarantor search condition selection button area 276, a guarantor search return button 256, a download button 268, and a renter-specific information display button 270 are displayed.

[0239] Next, a case where the guarantor 110 searches for the renter 112 to be guaranteed will be described.

[0240] When the renter candidate search button 234 is tapped, the guarantor search screen GAS shown in Fig. 5(A) is displayed on the guarantor display section 116 of the guarantor information terminal 102. In the present Example 1, for example, when searching for a renter 112 having an address in Tokyo, the range selection button 284 is tapped. Thereby, as shown in Fig. (B) of the same figure, a pull-down menu of prefecture names is displayed, so the cursor is placed on "Tokyo" to be searched and tapped.

[0241] Thereby, in the information processing apparatus 106, the renter 112 corresponding to the search condition "Tokyo" is searched, and the search result is transmitted to the guarantor information terminal 102.

[0242] In the guarantor information terminal 102, as shown in Fig. 5(A), the renter unique information TNI of the renter 112 that has hit the renter display area 274 of the guarantor search screen GAS is displayed. In this case, the guarantor contact request check box 142, the guarantor answer check box 146, and the renter answer box 150 displayed on the left side of the displayed renter unique information TNI are not checked.

[0243] The guarantor 110 selects the borrower 112 whom he / she thinks is eligible for guarantee from the borrower unique information TNI, taps the guarantor contact request checkbox 142 to check it, and then taps the guarantor inquiry button 144. As a result, the guarantor contact request information GCR is sent to the information processing device 106, and the guarantor contact request information GCR associated with the guarantor nickname GNN and the borrower nickname TNN is recorded in the guarantor-borrower request information recording unit 208.

[0244] Based on this guarantor contact request information GCR, when the borrower 112 who has received the guarantor contact request taps the guarantor candidate search button 244 on the matching top page 224 to display the borrower search screen TSS, as shown in Fig. 11(A), the guarantor unique information GNI of the guarantor 110 is displayed surrounded by a frame 248 in the guarantor candidate display area 196 on the borrower search screen TSS, and the borrower contact request checkbox 182, the borrower response checkbox 186, and the borrower contract establishment checkbox 187 are not checked.

[0245] In this state, when the borrower 112 checks the borrower response checkbox 186 and taps the borrower agreement button 188, the borrower contact approval information TCA is sent to the information processing device 106, and the guarantor contact request information GCR and the borrower contact approval information TCA associated with the guarantor nickname GNN and the borrower nickname TNN are recorded in the guarantor-borrower request approval information recording unit 210. When the borrower checks the borrower response checkbox 186 and taps the borrower rejection button 192, the borrower contact rejection information TRR is sent to the information processing device 106, and the borrower contact rejection information TRR associated with the guarantor nickname GNN and the borrower nickname TNN is recorded in the guarantor-borrower contact rejection information recording unit 220.

[0246] When the rent management button 236 is tapped, it shifts to the rent management for the guarantor 110, but the detailed description in this specification is omitted.

[0247] Next, the operation of the rental information terminal 104 by the renter 112 will be described. When the renter 112 taps the renter information input button 242 on the matching top page 224, the renter input screen TIS shown in FIG. 4(B) is displayed on the renter display unit 156 of the rental information terminal 104. In the present Example 1, on the renter input screen TIS, a renter unique information input unit 166, a renter specific information input unit 168, a renter return button 266, and a renter registration button 296 are displayed.

[0248] In the renter unique information input unit 166, for example, input units for the renter nickname TNN, the renter unique address TNA, the renter occupation TOI, the renter continuous service years TSY, and the renter rent TRI are displayed, so they are input using the renter input unit 154. The input renter unique information TNI is transmitted to the information processing device 106 when the renter registration button 296 is tapped, and is recorded in the renter unique information recording unit 204N associated with the renter nickname TNN.

[0249] In the renter specific information input unit 168, for example, input units for the renter's real name TRN, the renter's current address TRA, the renter's place of origin TRD, the renter's place of work TWI, the renter's phone number TPN, and the renter's email address TMA are displayed, so they are input using the renter input unit 154. The input renter specific information TSI is transmitted to the information processing device 106 when the renter registration button 296 is tapped, and is recorded in the renter specific information recording unit 204S associated with the renter nickname TNN.

[0250] When the renter return button 266 is tapped, it returns to the matching top page 224.

[0251] When the guarantor candidate search button 244 is tapped, the renter search screen TSS shown in FIG. 6(A) is displayed on the renter display unit 156. In the present Example 1, on the renter search screen TSS of the renter display unit 156, a renter instruction button area 194, a guarantor candidate display area 196, a renter search condition selection button area 198, a renter search return button 199, and a guarantor specific information display button 200 are displayed.

[0252] Next, a case where the lessee 112 searches for a guarantor 110 who is to be requested for a guarantee will be described.

[0253] For example, when searching for a guarantor 110 having an address in Chiba Prefecture, tap the guarantor range selection button 312. As a result, a pull-down menu of prefecture names is displayed as shown in FIG. (B) of the same figure, so move the cursor to "Chiba Prefecture" to be searched and tap it.

[0254] Thereby, in the information processing apparatus 106, a guarantor 110 corresponding to the search condition "Chiba Prefecture" is searched, and the search result is transmitted to the lessee information terminal 104.

[0255] In the lessee information terminal 104, as shown in FIG. 11(A), the guarantor unique information GNI of the guarantor 110 that has hit the guarantor candidate display area 196 of the lessee search screen TSS is displayed. If there is no guarantor contact request information GCR, the frame 248 is not displayed. In this case, the lessee contact request check box 182, the lessee response check box 186, and the lessee contract establishment check box 187 displayed on the left side of the displayed guarantor unique information GNI are not checked.

[0256] The lessee 112 selects a guarantor 110 for whom he / she wants to obtain a guarantee after considering the guarantor unique information GNI, taps the lessee contact request check box 182 to check it, and then taps the lessee inquiry button 184. Thereby, the lessee contact request information TCR is transmitted to the information processing apparatus 106, and the lessee contact request information TCR is recorded in the guarantor / lessee request information recording unit 208 in association with the guarantor nickname GNN and the lessee nickname TNN.

[0257] When the guarantor 110 who has received the lessee contact request taps the lessee candidate search button 234 on the matching top page 224 to display the search screen GAS for the guarantor, as shown in FIG. 10(A), the lessee unique information TNI of the lessee 112 is displayed in the lessee display area 274 on the search screen GAS for the guarantor, and the lessee unique information TNI related to the contact request is displayed surrounded by a frame 248. However, the guarantor contact request check box 142, the guarantor response check box 146, and the guarantor guarantee consent box 150 are not checked.

[0258] In this state, when the guarantor 110 checks the guarantor response check box 146 and taps the guarantor consent button 148, the guarantor contact approval information GCC is transmitted to the information processing device 106, and the guarantor contact request information TCR and the guarantor contact approval information GCC are recorded in the guarantor-lessee request approval information recording unit 210 in association with the guarantor nickname GNN and the lessee nickname TNN. Also, when the guarantor 110 checks the guarantor response check box 146 and taps the guarantor rejection button 152, the guarantor contact rejection information GRR is transmitted to the information processing device 106, and the guarantor contact rejection information GRR is recorded in the guarantor-lessee contact rejection information recording unit 220 in association with the guarantor nickname GNN and the lessee nickname TNN.

[0259] Next, the operation of the matching support system 100 for the guarantor 110 and the lessee 112 will be described with reference to the flowchart of FIG. 8. FIG. 8 is a flowchart from when the guarantor 110 searches for the lessee 112 using the guarantor information terminal 102, confirms the lessee-specific information TSI, and reaches the guarantor contract.

[0260] As described above, it is assumed that a plurality of tenant unique information TNI and tenant specific information TSI are recorded in the tenant information recording unit 204 in the information processing apparatus 106, and a plurality of guarantor unique information GNI and guarantor specific information GSI are recorded in the guarantor information recording unit 202 in the information processing apparatus 106. Also, although the guarantor 110 and the tenant 112 do not use a password or ID (identification) when accessing the guarantor and tenant support system 100, these can be adopted.

[0261] In step GS1, the guarantor 110 starts the application of the guarantor and tenant matching support system 100 on the guarantor information terminal 102 and displays the matching top page 224 on the guarantor display unit 116.

[0262] In step GS2, the guarantor 110 taps the tenant candidate search button 234, and causes, for example, the guarantor search screen GAS shown in FIG. 5(A) to be displayed on the guarantor display unit 116. In FIG. 5(A), although the tenant unique information TNI is displayed in the tenant display area 274, it is not displayed at the time of this step GS2.

[0263] In step GS3, the search for the tenant 112 being searched for by the guarantor 110 is performed by selecting and operating the search condition button in the search condition selection button area 276 of the guarantor search screen. For example, when the range selection button 284 is tapped and Tokyo is selected and tapped, a tenant search command TSO is transmitted to the information processing apparatus 106 via the communication line 108.

[0264] In step MS1 in the information processing apparatus 106, the tenant 112 corresponding to the tenant unique address TNA of the tenant unique information TNI recorded in the tenant unique information storage unit 204N is searched for, and the search result information TSR is transmitted to the corresponding guarantor information terminal 102 via the communication line 108.

[0265] In step GS4 of the guarantor information terminal 102, the borrower unique information TNI included in the transmitted search result information TSR is displayed in the borrower display area 274 of the guarantor search screen GAS as shown in FIG. 5(A). In step GS5, when the guarantor 110 determines the borrower 112 as a guarantee candidate, after checking the guarantor contact request checkbox 142, the guarantor inquiry button 144 is tapped. As a result, the guarantor contact request information GCR is transmitted from the guarantor information terminal 102 to the information processing device 106.

[0266] In step MS2 of the information processing device 106, the guarantor contact request information GCR is recorded in the guarantor / borrower request information recording unit 208 in association with the guarantor nickname GNN and the borrower nickname TNN.

[0267] After that, in step TS1, the borrower 112 taps the guarantor candidate search button 244 to access the information processing device 106.

[0268] In step MS3 of the information processing device 106, when the guarantor contact request information GCR associated with the borrower 112, and thus the borrower nickname TNN, is recorded in the guarantor / borrower request information recording unit 208, the guarantor unique information GNI and the guarantor contact request information GCR are transmitted to the borrower information terminal 104.

[0269] In step TS2 of the borrower information terminal 104, the guarantor unique information GNI and the guarantor contact request information GCR transmitted are displayed in the guarantor candidate display area 196 of the borrower search screen TSS (FIG. 11(A)). In the first embodiment, the guarantor contact request information GCR is displayed with the corresponding guarantor unique information GNI surrounded by a frame 248. The borrower 112 can understand that there is a contact request from the guarantor 110 by checking the guarantor unique information GNI surrounded by the frame 248.

[0270] When the lessee 112 wants to check the guarantor-specific information GSI, in step TS3, the lessee response checkbox 186 corresponding to the relevant lessee unique information TNI is checked, and when the lessee payment deduction 190 is tapped, the payment information of the lessee viewing fee TAF is transmitted to the information processing device 106 and recorded in the lessee viewing fee payment information recording unit 206. Based on the payment information of the lessee viewing fee TAF, the payment process of the viewing fee is performed from the lessee 112 to the administrator 120.

[0271] Based on the payment information of the lessee viewing fee TAF, after the payment process of the viewing fee from the lessee 112 to the administrator 120 is performed in step MS4 in the information processing device 106, the guarantor-specific information GSI is transmitted to the lessee information terminal 104 in step MS5.

[0272] In step TS4 in the lessee information terminal 104 that has received the guarantor-specific information GSI, the guarantor-specific information GSI is displayed on the guarantor's lessee information display screen GSD as shown in FIG. 7(B).

[0273] When the lessee 112 approves the contact with the guarantor 110, in step TS5, after checking the lessee response checkbox 186, the lessee consent button 188 is tapped. Thereby, the lessee contact approval information TCA is transmitted from the lessee information terminal 104 to the information processing device 106 and recorded in the guarantor-lessee request approval information recording unit 210 in step MS6 in the information processing device 106.

[0274] On the other hand, when the lessee 112 does not approve the contact with the guarantor 110, in step TS5, after checking the lessee response checkbox 186, the lessee rejection button 192 is tapped. Thereby, the lessee contact rejection information TRR is transmitted from the lessee information terminal 104 to the information processing device 106 and recorded in the guarantor-lessee contact rejection information recording unit 220 in step MS6 in the information processing device 106.

[0275] In step MS6 in the information processing apparatus 106, the guarantor nickname GNN, the borrower nickname TNN, the guarantor contact request information GCR, the borrower contact approval information TCA, or the borrower contact rejection information TRR is recorded in the guarantor / borrower request approval information recording unit 210 or the guarantor / borrower contact rejection information recording unit 220.

[0276] When the guarantor 110 taps the borrower candidate search button 234 in step GS6 and accesses the information processing apparatus 106, in step MS7 in the information processing apparatus 106, it is determined whether there is borrower contact approval information TCA or borrower contact rejection information TRR recorded in the guarantor / borrower request approval information recording unit 210 or the guarantor / borrower contact rejection information recording unit 220 regarding the guarantor nickname GNN, and it is transmitted to the guarantor information terminal 102 related to the corresponding guarantor nickname GNN.

[0277] In step GS7 in the guarantor information terminal 102, it is displayed in association with the borrower unique information TNI displayed in the borrower display area 274 on the guarantor search screen GAS. For example, in the case of borrower contact rejection information TRR, the corresponding borrower unique information TNI is displayed in red. In the case of borrower contact approval information TCA, for example, as shown in FIG. 10(B), the corresponding borrower unique information TNI is surrounded by a frame 248 for display, indicating that borrower contact approval information TCA has been received.

[0278] In step GS8 in the guarantor information terminal 102, when the guarantor 110 checks the borrower specific information TSI, by tapping the borrower specific information display button 270, a transmission request for the borrower specific information TSI is sent to the information processing apparatus 106.

[0279] In step MS8 in the information processing apparatus 106, the borrower specific information TSI recorded in the borrower specific information recording unit 204S is transmitted to the guarantor information terminal 102.

[0280] In step GS9 of the guarantor information terminal 102, as shown in FIG. 7(A), the lessee-specific information display screen TSD is displayed, and the lessee-specific information TSI is displayed on the lessee-specific information display unit 138. Thereby, the guarantor 110 can confirm the lessee-specific information TSI and directly confirm other information by phone, e-mail, etc.

[0281] In step GS10 of the guarantor information terminal 102, by tapping the return button 306 from the lessee information on the lessee-specific information display screen TSD, the guarantor search screen GAS is returned to. If the return button 306 from the lessee information is not tapped in step GS10, the process proceeds to step GS11. If the guarantor payment button 278 is not tapped in step GS11, the process returns to step GS10 and loops.

[0282] When the guarantor 110 concludes a guarantor contract with the lessee 112, in step GS11, after checking the guarantor guarantee consent box 150 and tapping the guarantor payment button 278, the guarantor contract establishment information GCAI is transmitted to the information processing device 106.

[0283] In step MS9 of the information processing device 106, the guarantor contact request information GCR is recorded in association with the guarantor nickname GNN and the lessee nickname TNN, the lessee contact approval information TCA, the lessee viewing fee TAF, the guarantor fee payment information FPI, and the contract document DL right ADA are recorded.

[0284] Thereby, the guarantor 110 can download the contract document information CDI from the information processing device 106 by tapping the download button 268, and conclude a guarantor contract with the lessee 112 who has agreed to the guarantor contract in writing or the like. Also, by tapping the rent management button 236, the subsequent rent management function can be used. As the rent management function, the rent payment status of the lessee 112, contact information, etc. are assumed.

[0285] Next, the case where the lessee 112 searches for and matches with the guarantor 110 will be described with reference to the flowchart of FIG. 9. In step TS21, the lessee 112 starts the application of the guarantor and lessor matching support system 100 on the lessee information terminal 104 and displays the matching top page 224 on the lessee display unit 156.

[0286] In step TS22, the lessee 112 taps the guarantor candidate search button 244, and for example, displays the lessee search screen TSS shown in FIG. 6(A) on the lessee display unit 156.

[0287] In step TS23, the search for the guarantor 110 being searched for by the lessee 112 is performed by selecting and operating the search condition button in the lessee search condition selection button area 198. For example, when the guarantor condition selection button 314 is tapped and the unique guarantor address GNA of the guarantor 110 is Tokyo, the guarantor contract amount GCF is less than 80,000 to 100,000, and the guarantor renewal amount GRI is less than 80,000 to 100,000 are selected and tapped, the candidate guarantor search command CGSI is transmitted to the information processing device 106 via the communication line 108.

[0288] In step MS21 in the information processing device 106, the corresponding guarantor 110 is searched for in the guarantor unique information GNI recorded in the guarantor unique information storage unit 202N, and the search result information TSR is transmitted to the corresponding lessee information terminal 104 via the communication line 108.

[0289] In step TS24 in the lessee information terminal 104, the guarantor unique information GNI included in the transmitted search result information TSR is displayed in the guarantor candidate display area 196 as shown in FIG. 11(A). When the lessee 112 determines the guarantor 110, after checking the lessee contact request checkbox 182, the lessee inquiry button 184 is tapped. As a result, the lessee contact request information TCR is transmitted from the lessee information terminal 104 to the information processing device 106.

[0290] In step MS22 of the information processing apparatus 106, the lessee contact request information TCR is recorded in the guarantor / lessee request information recording unit 208 in association with the guarantor nickname GNN and the lessee nickname TNN.

[0291] After that, in step GS21, if the guarantor 110 taps the guarantor candidate search button 244 to access the information processing apparatus 106 and the lessee contact request information TCR addressed to the guarantor 110 (guarantor nickname GNN) is recorded, the lessee unique information TNI and the lessee contact request information TCR are transmitted to the guarantor information terminal 102.

[0292] In step GS22 of the guarantor information terminal 102, the transmitted lessee unique information TNI and the lessee contact request information TCR are displayed in the guarantor candidate display area 196 of the lessee search screen TSS. As shown in FIG. 10(A), for example, the lessee unique information TNI related to the lessee contact request information TCR is displayed surrounded by a frame 248 in the lessee contact request information TCR. By checking the lessee unique information TNI surrounded by the frame 248, the guarantor 110 can understand that there is a contact request from the lessee 112.

[0293] When the guarantor 110 wants to check the lessee specific information TSI, in step GS23, if the guarantor answer checkbox 146 is checked and the guarantor consent button 148 is tapped, the guarantor contact approval information GCA is transmitted to the information processing apparatus 106 in association with the lessee nickname TNN and the guarantor nickname GNN. If the guarantor answer checkbox 146 is checked and the guarantor rejection button 152 is tapped, the guarantor contact rejection information GRR is transmitted to the information processing apparatus 106.

[0294] Upon reception of the guarantor contact approval information GCA, in step MS24 of the information processing apparatus 106, the guarantor nickname GNN, the lessee nickname TNN, the guarantor contact approval information GCA or the guarantor contact rejection information GRR is recorded in the guarantor / lessee request approval information recording unit 210. And, in step MS25, when the guarantor contact approval information GCA is received, the lessee-specific information TSI is transmitted to the guarantor information terminal 102.

[0295] In step GS24 in the guarantor information terminal 102, the received lessee-specific information TSI is displayed on the lessee information display screen GSD for the guarantor as shown in FIG. 7(A). The guarantor 110 can confirm the lessee-specific information TSI displayed in the lessee-specific information display section 138 on the lessee information display screen GSD for the guarantor and check further detailed information of the lessee 112. Further, since the lessee telephone number TPN and the lessee e-mail address TMA are displayed, further information can be obtained from the lessee 112 using the telephone or e-mail. When the guarantor 110 approves to become the guarantor of the lessee 112, in step GS25, as shown in FIG. 10(B), after checking the guarantor guarantee consent box 150 and then tapping the guarantor payment deduction 278, the guarantor guarantee consent information GCI together with the guarantor fee GRF is transmitted to the information processing device 106.

[0296] In step MS26 in the information processing device 106, the guarantor nickname GNN, the lessee nickname TNN, the lessee contact request information TCR, the guarantor contact approval information GCA, the guarantor fee GRF, and the guarantor guarantee consent information GCI are recorded. Thereby, the matching between the guarantor 110 and the lessee 112 is completed. Also, based on the information regarding the guarantor fee GRF, a fee payment process from the lessee 112 to the administrator 120 is performed.

[0297] When the lessee 112 taps the guarantor candidate search button 244 in step TS25 to display the search screen TSS for the lessee, if the information processing device 106 determines the recording of the guarantor guarantee consent information GCI in step MS27, as shown in FIG. 11(B), the corresponding guarantor unique information GNI is surrounded by a frame 248, and for example, the background of the guarantor unique information GNI is colored green and the characters are colored red for display, and it can be understood that the lessee 112 has accepted the guarantor 110 as the guarantor.

[0298] In step MS26 in the information processing apparatus 106, the guarantor nickname GNN, the borrower nickname TNN, the guarantor contact request information GCR, the borrower contact approval information TCA or the borrower contact rejection information TRR, and the guarantor fee payment information FPI are recorded in the guarantor / borrower request approval information recording unit 210 or the guarantor / borrower contact rejection information recording unit 220. The guarantor 110 can download the contract document information CDI from the information processing apparatus 106 based on the guarantor fee payment information FPI.

[0299] When a check is placed in the guarantor guarantee consent box 150 and the contract establishment button 282 is tapped, the guarantor contract establishment information GCAI is transmitted to the information processing apparatus 106, recorded in the contract establishment information recording unit 218, the guarantor access right information GAR is granted, and the contract document information CDI can be downloaded. Furthermore, the subsequent rent management function can be utilized. Thereby, the guarantor 110 can download the contract document information CDI from the information processing apparatus 106 by tapping the download button 268, and can conclude a document with the borrower 112 who has agreed to the guarantor contract.

[0300] In the first embodiment, various information regarding the guarantor 110 and the borrower 112 is associated using the guarantor nickname GNN and the borrower nickname TNN. However, other means, such as user identification codes, case identification codes, etc., can be used to associate the guarantor 110, the borrower 112, and other information in one case. Also, the present invention is not limited to the above-described embodiment, and it goes without saying that various modifications can be made without departing from the gist of the present invention.

Explanation of Reference Numerals

[0301] 102 Guarantor information terminal 104 Borrower information terminal 106 Information processing apparatus 108 Communication line 110 Guarantor 112 Lessee 114 Guarantor input section 116 Guarantor display section 120 Administrator 126 Guarantor unique information input section 128 Guarantor specific information input section 132 Guarantor contact request input section 134 Guarantor contact request approval input section 136 Guarantor contact request rejection input section 137 Lessee unique information display section 138 Lessee specific information display section 140 Guarantor guarantee consent input section 146 Guarantor answer checkbox 148 Guarantor agreement button 150 Guarantor guarantee consent box 152 Guarantor rejection button 154 Lessee input section 156 Lessee display section 166 Lessee unique information input section 168 Lessee specific information input section 172 Lessee contact request input section 174 Lessee contact request approval input section 176 Lessee contact request rejection input section 177 Guarantor specific information viewing input section 178 Guarantor unique information display section 180 Guarantor specific information display section 182 Guarantor contact request checkbox 184 Lessee inquiry button 186 Lessee answer checkbox 187 Guarantor answer checkbox 188 Lessee agreement button 190 Lessee payment button GCI Guarantor guarantee consent information GCR Guarantor contact request information GNI Guarantor unique information GSI Guarantor specific information TCA Lessee contact approval information TCR Lessee contact request information TNI Lessee Unique Information TSI Lessee Specific Information

Claims

1. A matching support system for a guarantor (110) and a tenant (112) is comprised of a guarantor information terminal (102) operated by a guarantor (110) and having a guarantor display unit (116) and a guarantor input unit (114), a tenant information terminal (104) operated by a tenant (112) and having a tenant display unit (156) and a tenant input unit (154), and an information processing device (106) connected to the guarantor information terminal (102) and the tenant information terminal (104) via a communication line (108). The guarantor input unit (114) has a guarantor unique information input unit (126), a guarantor specific information input unit (128), and a guarantor contact request input unit (129) for inputting a guarantor contact request to the tenant (112). the guarantor display unit (116) includes a tenant unique information display unit (137) and a tenant specific information display unit (138); the tenant input unit (154) includes a tenant unique information input unit (166), a tenant specific information input unit (168), a tenant contact request input unit (172) to the guarantor (110), and a tenant contact request approval input unit (174) from the guarantor (110); and the tenant display unit (156) includes a guarantor unique information display unit (178) and a guarantor specific information display unit (128).

2. A method for supporting matching between a guarantor and a tenant, comprising: a guarantor information terminal (102) operated by a guarantor (110) and having a guarantor display unit (116) and a guarantor input unit (114); a tenant information terminal (104) operated by a tenant (112) and having a tenant display unit (156) and a tenant input unit (154); and an information processing device (106) connected to the guarantor information terminal (102) and the tenant information terminal (104) via a communication line (108), The guarantor (110) uses the guarantor input unit (114), Entering Guarantor Unique Information (GNI); inputting Guarantor Specific Information (GSI); outputting a Guarantor Contact Request (GCR) to the tenant (112); outputting a tenant contact authorization (TCA) from the tenant (112); displaying tenant unique information (TNI) on the guarantor display unit (116); displaying the lessee specific information (TSI) on the guarantor display unit (116); The lessee (112) uses the lessee input unit (154), inputting said Tenant Unique Information (TNI); entering Tenant Specific Information (TSI); outputting a Tenant Contact Request (TCR) to the guarantor (110); outputting a tenant contact authorization (TCA) from the guarantor (110); displaying the guarantor unique information (GNI) on the tenant display unit (156); displaying said Guarantor Specific Information (GSI); outputting a Guarantor Guarantee Consent Information (GCI) based on the Tenant Contact Approval Information (TCA) using the Guarantor Information Terminal (102); A method for supporting matching between guarantors and tenants, comprising:

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