Lease contract application system

Abstract

To provide a lease contract application system capable of reducing the workload of customers and dealers. [Solution] The lease contract application system has an application terminal and a customer terminal which include a display unit which displays screens related to the lease contract and an operation unit which accepts input of various information, and an application support device which includes a display screen memory unit 10a which stores screens which are displayed on the display unit and used for inputting various information via the operation unit, a master memory unit 12a which stores product information master M1 for the leased property, a lease fee calculation unit 10f which calculates the lease fee for the leased property, a contract information memory unit 10c which stores contract information I3 for the lease contract, and a cancellation fee information acquisition unit 10e which inquires about cancellation fees when terminating a lease contract, and the screens include a request trigger which requests an inquiry about cancellation fees for the lease contract and an application trigger which requests an application for replacement, and the application trigger can execute an application for replacement before or after the inquiry about the cancellation fee by the cancellation fee information acquisition unit is completed.

Description

[Technical field]

[0001] The present invention relates to a lease contract application system used for a lease contract. [Background technology]

[0002] It is common for customers, such as companies or individuals, to enter into a lease agreement with a leasing company via a dealer for leased items such as machinery and equipment, and to use the leased items for a specified period of time. In leasing, the leasing company generally purchases the item on behalf of the customer, and then rents it out to the customer. By paying the lease fee to the leasing company, the customer can use the leased item without incurring the initial cost of purchasing the item.

[0003] The leasing company that receives the lease contract request through the dealer performs approval screening of the lease contract request based on the evaluation of customer information and credit investigation. If the lease contract request is approved, the leasing company enters into a lease contract with the customer. A system that supports such screening applications for lease contracts and calculation of lease fees has been proposed. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2001-195516 A [Patent Document 2] JP 2009-32093 A Summary of the Invention [Problem to be solved by the invention]

[0005] However, during the contract period of an existing leased property introduced to a customer, there are cases where the existing leased property is terminated and replaced with a new leased property. When applying for a replacement, the customer must pay a cancellation fee for the existing leased property to the leasing company. Therefore, when a customer wishes to apply for a replacement, they must request an inquiry about the cancellation fee for the existing leased property from the leasing company prior to applying for the replacement.

[0006] When inquiring about cancellation fees, the customer must submit a written consent form via the dealer to the relevant department at the leasing company. If a replacement application is made after inquiring about cancellation fees, the customer must also submit another written consent form. In addition, after applying for a replacement, the customer may need to confirm the amount associated with the replacement application and then make another application. These procedures associated with replacement applications were a burden on both the customer and the dealer.

[0007] The present invention has been proposed to solve the problems of the prior art as described above, and its object is to provide a lease contract application system that can reduce the workload of customers and dealers. [Means for solving the problem]

[0008] In order to achieve the above object, a lease contract application system according to the present invention has the following configuration.

[0009] (1) A display unit that displays a screen related to a lease contract, an operation unit that accepts input of various information, a display screen memory unit that stores the screen displayed on the display unit and used for input of the various information by the operation unit, a master memory unit that stores product information master of a leased property, a lease fee calculation unit that calculates the lease fee of the leased property, a contract information memory unit that stores contract information of the lease contract, and a cancellation fee information acquisition unit that inquires about a cancellation fee when terminating the lease contract, wherein the screen includes a request trigger that requests an inquiry about the cancellation fee for the lease contract and an application trigger that requests an application for replacement, and the application trigger is configured to be able to execute the application for replacement before or after the inquiry about the cancellation fee by the cancellation fee information acquisition unit is completed.

[0010] (2) The application trigger includes a first application trigger configured to be able to request an application for the replacement only before the inquiry about the cancellation fee is completed, and the first application trigger may serve both as the application trigger for making an application for the replacement and as the request trigger for requesting an inquiry about the cancellation fee.

[0011] (3) The application trigger may include a second application trigger configured to enable a request for the replacement application only after the inquiry about the cancellation fee has been completed, and the second application trigger may be configured to be displayed on the screen only after the cancellation fee information acquisition unit has completed the inquiry about the cancellation fee at the request of the request trigger.

[0012] (4) The display screen memory unit stores a cancellation fee inquiry request information input screen that accepts input of cancellation fee inquiry request information necessary for the cancellation fee inquiry request and consent confirmation information for the cancellation fee inquiry, and further includes an email sending unit that sends a cancellation fee inquiry request email to a specified email address upon request of the request trigger, and the email sending unit may be configured to generate an email including a URL that can be used to navigate to the cancellation fee inquiry request information input screen.

[0013] (5) The display screen memory unit stores an applicant information input screen that accepts input of applicant information regarding an applicant for a lease contract, and a contract content consent screen that accepts input of consent confirmation information for the lease contract, and further includes an application URL issuing unit that issues a URL to which a user can transition to the applicant information input screen, and when a replacement application is requested via the first application trigger, the contract content consent screen may be configured to accept input of the consent confirmation information regarding an inquiry about the cancellation fee.

[0014] (6) The display screen memory unit may include a screen that displays a list of cancellation fee inquiry requests indicating the status of cancellation fee inquiry requests for the lease contract, and the list of cancellation fee inquiry requests may be configured to display an output trigger that outputs the cancellation fee response letter and the second application trigger only after the cancellation fee inquiry has been completed.

[0015] (7) The first application trigger may be disabled when the cancellation fee information acquisition unit completes inquiry about the cancellation fee.

[0016] (8) The system may include an application terminal owned by a dealer of the leased property, and an application support device communicatively connected to the application terminal via a network, wherein the application terminal has the operation unit and the display unit, and the application support device has the display screen memory unit, the lease fee calculation unit, the contract information memory unit, and the cancellation fee information acquisition unit.

[0017] (9) The cancellation fee information acquisition unit may include a determination result notification unit that notifies the application terminal of the result of the cancellation fee inquiry.

[0018] (10) The application support device may further include a review result notification unit that notifies the application terminal of the review results for the replacement application.

[0019] (11) An application terminal owned by a dealer of the leased property, a customer terminal owned by a customer, and an application support device communicatively connected to the application terminal via a network, wherein the application terminal and the customer terminal have the operation unit and the display unit, and the application support device has the display screen memory unit, the lease fee calculation unit, the contract information memory unit, and the cancellation fee information acquisition unit, and the cancellation fee inquiry request information input screen is configured to be accessible from the customer terminal, and may accept input of the cancellation fee inquiry request information and the consent confirmation information for the cancellation fee inquiry from the customer terminal.

[0020] (12) An application terminal owned by a dealer of the leased property, a customer terminal owned by a customer, and an application support device communicatively connected to the application terminal via a network, wherein the application terminal and the customer terminal have the operation unit and the display unit, and the application support device has the display screen memory unit, the lease fee calculation unit, the contract information memory unit, and the cancellation fee information acquisition unit, the applicant information input screen is configured to be accessible from the customer terminal and accepts input of the applicant information from the customer terminal, and the contract content consent screen is configured to be accessible from the customer terminal and accepts input of the consent confirmation information for the lease contract from the customer terminal. Effect of the Invention

[0021] According to the present invention, it is possible to provide a lease contract application system that can reduce the workload of customers and dealers when making a replacement application. [Brief description of the drawings]

[0022] [Figure 1] FIG. 1 is a schematic diagram showing a schematic configuration of a lease contract application system. [Diagram 2] FIG. 2 is a schematic diagram showing a detailed configuration of a lease contract application system. [Diagram 3] FIG. 2 is a schematic diagram showing an example of a login screen of the lease contract application system. [Figure 4]FIG. 2 is a schematic diagram showing an example of a menu screen of the lease contract application system. [Diagram 5] FIG. 2 is a schematic diagram showing an example of a search screen of the lease contract application system. [Figure 6] FIG. 2 is a schematic diagram showing an example of a search result list of the lease contract application system. [Figure 7] FIG. 2 is a schematic diagram showing an example of a contract status details screen of the lease contract application system. [Figure 8] 13 is a schematic diagram showing an example of a cancellation fee inquiry request email sent by an email sending unit of the lease contract application system. FIG. [Figure 9] 13 is a schematic diagram showing an example of a cancellation fee inquiry request information input screen of the lease contract application system. FIG. [Figure 10] 13A and 13B are schematic diagrams showing examples of emails sent by a determination result notification unit of the lease contract application system, in which FIG. 13A is a schematic diagram showing an inquiry disapproval email and FIG. 13B is a schematic diagram showing an inquiry result email. [Figure 11] FIG. 2 is a schematic diagram showing an example of an application information input screen of the lease contract application system. [Figure 12] FIG. 2 is a schematic diagram showing an example of an input content confirmation screen of the lease contract application system. [Figure 13] FIG. 13 is a schematic diagram showing an example of a contract content consent screen of the lease contract application system. [Figure 14] 1 is a schematic diagram showing an example of a cancellation fee inquiry consent field in a lease contract application system. FIG. [Figure 15] FIG. 13 is a schematic diagram showing an example of a lease reapplication / application status inquiry screen of the lease contract application system. [Figure 16] FIG. 2 is a sequence diagram showing a first operation of the lease contract application system. [Figure 17] FIG. 11 is a sequence diagram showing a second operation of the lease contract application system. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0023] (Overall composition) Hereinafter, an embodiment of the lease contract application system 100 of the present invention will be described in detail with reference to the drawings. FIG. 1 is a schematic diagram showing a general configuration of the lease contract application system 100. The lease contract application system 100 shown in FIG. 1 is a system that supports a customer in making a lease contract with a leasing company via a dealer for leased items such as machines and equipment. Note that the following explanation will focus on the configuration related to replacement applications, but this system is a system that supports operations related to lease contracts, including replacement applications.

[0024] This lease contract application system 100 includes an application support device 10, an information inquiry device 11, a reception device 12, and a core device 13 owned by the lease company 1, and an application terminal 20 owned by the dealer 2. The lease contract application system 100 may also include a customer terminal 30 owned by the customer 3. The application support device 10, the application terminal 20, and the customer terminal 30 are communicatively connected via a network 4. Note that, although the dealer 2 and the customer 3 are shown as being singular in the example of FIG. 1, the lease contract application system 100 may include a plurality of dealers 2 and a plurality of customers 3.

[0025] The application support device 10, the application terminal 20, the customer terminal 30, the information inquiry device 11, the reception device 12, and the core device 13 are so-called computers, and are equipped with an arithmetic and control device also called MPU or CPU, a main memory also called RAM, and an auxiliary memory such as HDD or SSD also called ROM. The application support device 10, the information inquiry device 11, the reception device 12, and the core device 13 may be standalone or distributed computers. Various programs are stored in the auxiliary memory. The application terminal 20 and the customer terminal 30 may be mobile phones, smartphones, or tablet PCs.

[0026] The network 4 is, for example, a network conforming to a wired communication protocol such as IEEE802.3, a wireless communication protocol defined by IEEE802.11, or other protocol, and is a communication line network such as the Internet, a LAN, or a dedicated line. Each device transmits and receives data using various communication protocols such as TCP / IP.

[0027] The application terminal 20 is a terminal used by the dealer 2 to input various information for lease contract applications and replacement applications, display lease fees, confirm contract information, inquire about cancellation fees, etc. The input information is transmitted from the application terminal 20 to the application support device 10 via the network 4. The application support device 10 stores lease contract contract information held by the core device 13, and passes the contract information to the application terminal 20. The application support device 10 also passes the various applications transmitted from the application terminal 20 to the reception device 12.

[0028] The information inquiry device 11 inquires about the lease contract contents stored in the core device 13, and passes the results to the application support device 10. The reception device 12 stores the lease contract application information transmitted from the application terminal 20 via the application support device 10. The reception device 12 also stores information necessary for inputting various information and estimating lease fees, and passes this information to the application support device 10, or passes it to the application terminal 20 via the application support device 10. The core device 13 is a business terminal that manages payments, sales, etc. for contracted leases.

[0029] The customer terminal 30 is used by the customer 3 to enter consent and necessary information when applying for a lease contract. The various information entered is transmitted from the customer terminal 30 to the application support device 10 via the network 4. The customer terminal 30 does not necessarily have to be a terminal owned by the customer 3. When the customer 3 visits the dealership 2 to enter into a contract, the application terminal 20 of the dealership 2 may be used as the customer terminal 30 to enter necessary information. In addition, when the dealership 2 provides a tablet or the like exclusively for input by the customer 3, this tablet can be regarded as the customer terminal 30.

[0030] The lease contract application system 100 is configured to be accessible by a sales representative, department, or a website specific to each dealer 2. Therefore, the lease company 1 issues a user ID and a password to each dealer 2 for each unique website in advance. The user ID and password are stored in the application support device 10.

[0031] (Application Support Device) The application support device 10 includes a Web server WS, a display screen memory unit 10a, an authentication information memory unit 10b, a contract information memory unit 10c, an email sending unit 10d, a cancellation fee information acquisition unit 10e, a lease fee calculation unit 10f, an application URL issuing unit 10g, an application information memory unit 10h, a screening result notification unit 10i, and an application linking unit 10j.

[0032] The application support device 10 also has an application trigger for requesting a replacement application for an existing lease contract. As described below, the application trigger includes a first application trigger and a second application trigger, and the first application trigger and the second application trigger make it possible to request a replacement application at different timings. By providing both the first application trigger and the second application trigger, the application support device 10 is configured to be able to execute a replacement application before and after completion of a cancellation fee inquiry. In other words, completion of a cancellation fee inquiry is not a necessary condition for a replacement application.

[0033] The Web server WS is mainly composed of a CPU, and transmits various screens including screens D1 to D10 to the application terminal 20, transmits various screens including screen D5 to the customer terminal 30, transmits contract information to the application terminal 20, receives authentication information I1, menu information I2, search information I4, inquiry request information I5, application information I10, applicant information I11, issuance information I12, and inquiry information I14 from the application terminal 20, receives cancellation fee inquiry request information I6, consent confirmation information I7, and applicant information I11 from the customer terminal 30, and transmits screening result information I13 to the application terminal 20.

[0034] The display screen storage unit 10a is mainly composed of a RAM, and stores various screens including at least screens D1-10 used for inputting and displaying various information. Note that each of the screens D1-10 shown in the following description is merely an example of a screen configuration, and the details of the screen configuration can be changed as appropriate. For example, which information is displayed on which screen, which information is input on which screen, and which buttons are displayed on which screen are not limited to the following examples.

[0035] The display screen memory unit 10a stores a login screen D1 as the screen that is displayed first when the person in charge of the dealer 2 accesses a website specific to the dealer 2 via the application terminal 20. FIG. 3 shows an example of the login screen D1. The login screen D1 accepts input of authentication information I1. The authentication information I1 includes a user ID and a password for accessing the lease contract application system 100. The login screen D1 includes a text box D1a for inputting the user ID and password, and a button D1b for outputting the authentication information I1 input by the person in charge to the application support device 10.

[0036] The authentication information storage unit 10b is a storage unit that stores a combination of a user ID and a password for each website unique to the dealer 2. The application support device 10 matches the authentication information I1 entered by the person in charge with the information stored in the authentication information storage unit 10b, and determines whether or not to permit login.

[0037] The display screen storage unit 10a may store a menu screen D2 as a screen to be displayed when login to the application support device 10 is completed on the login screen D1. As shown in the example of FIG. 4, the menu screen D2 is an input screen that accepts input of menu information I2. The menu information I2 includes information regarding the selection of a lease contract application and contract information I3. The menu screen D2 includes at least buttons D2a to D2c for allowing the person in charge at the dealership 2 to select the menu information I2.

[0038] The button D2a is a menu button for making a new application for a lease contract. The button D2b is a menu button for making a reapplication for a lease contract or for checking the current application status. The button D2c is a menu button for checking the contract status of a lease contract or requesting an inquiry about the cancellation fee. Note that the configuration of the menu buttons is not limited to the example in FIG. 4, and can be increased or decreased as appropriate in accordance with the desired menu information I2.

[0039] The contract information storage unit 10c is a storage unit that stores contract information I3 of existing lease contracts held by the core device 13. The contract information I3 includes information such as the contract holder's name, the contract number of the lease contract, the lease fee, the lease period, whether or not there has been a cancellation fee inquiry, and whether or not there has been a replacement application. In response to a request from the application terminal 20, the application support device 10 outputs the contract information I3 stored in the contract information storage unit 10c to the application terminal 20.

[0040] The display screen storage unit 10a may store a search screen D3 as a screen to be displayed when the button D2c is pressed on the menu screen D2. As shown in the example of FIG. 5, the search screen D3 is an input screen that accepts input of search information I4. The search information I4 includes information on search conditions for the contract information I3 stored in the contract information storage unit 10c. In other words, the application support device 10 includes a search unit (not shown) that searches for the contract information I3 based on the search conditions. The search screen D3 includes buttons D3a to D3c that allow the person in charge to select the search information I4.

[0041] The button D3a is a button for displaying information on completed lease contracts that are scheduled to expire. The button D3b is a button for displaying the number of completed lease contracts and the contract amount. The button D3c is a button for displaying information regarding cancellation fee inquiries for completed lease contracts.

[0042] The search screen D3 may also include a detailed information search screen D3d for setting more detailed search conditions for the information displayed by the selected search information I4. The detailed information search screen D3d is a screen for searching for lease contracts based on the date, dealer name, contract number, property name, etc. The search screen D3 may also include a search result list D3e for displaying information corresponding to the selected search information I4. The search result list D3e is a screen for displaying the results of a search by the search unit. For example, when the button D3c is pressed, the search result list D3e displays a cancellation fee inquiry request list showing the cancellation fee inquiry request status. The search result list D3e can be configured to be output in CVS format.

[0043] 6 is an enlarged view of the search result list D3e that displays a list of cancellation fee inquiry requests. In the cancellation fee inquiry request list, when the cancellation fee inquiry for each lease contract has been completed, an output button D3e1 is displayed in the cancellation fee response form output column and an application button D3e2 is displayed in the replacement application column. The output button D3e1 is an output trigger for outputting a lease contract cancellation fee response form and cancellation procedure application form (not shown) in PDF format.

[0044] The application button D3e2 is a button for applying for replacement of the lease contract, and can be regarded as a second application trigger. As described above, this application button D3e2 is displayed only when the cancellation fee inquiry is completed and the cancellation fee response output is performed. In other words, before the cancellation fee inquiry is completed, the application button D3e2 cannot be used to apply for replacement, and therefore the application button D3e2 is not displayed.

[0045] On the other hand, in the search result list D3e, before a cancellation fee inquiry request is made or before a cancellation fee inquiry is completed, no buttons are displayed in the cancellation fee response sheet output column or replacement application column. Clicking on this blank cell is configured to allow transition to a screen that displays details of the contract status. However, a contract status details column may be provided in the search result list D3e, and a display button for displaying details of the contract status may be provided.

[0046] The display screen storage unit 10a may store a contract status details screen D4 as a screen to be displayed when a blank cell is pressed in the cancellation fee inquiry request list of the search result list D3e. As shown in the example of Fig. 7, the contract status details screen D4 includes a contract content display screen D4a that displays contract information I3 related to the selected lease contract stored in the contract information storage unit 10c.

[0047] The contract content display screen D4a is configured to be able to accept input of inquiry request information I5, which is necessary when making a cancellation fee inquiry request. The inquiry request information I5 includes information regarding the presence or absence of a replacement project, the desired final account transfer month, and an email address for sending the contract.

[0048] The contract status details screen D4 may further include a cancellation fee inquiry request email send button D4b and a replacement application button D4c. The cancellation fee inquiry request email send button D4b is a request trigger that requests the leasing company 1 to inquire about the cancellation fee for the lease contract displayed on the contract content display screen D4a. Pressing the cancellation fee inquiry request email send button D4b sends a cancellation fee inquiry request email to the email address included in the inquiry request information I5. If the cancellation fee inquiry request email send button D4b is selected after sending the cancellation fee inquiry request email, a confirmation screen is displayed to confirm that the previous cancellation fee inquiry request is invalid, and only when OK is selected can the email be sent using the cancellation fee inquiry request email send button D4b.

[0049] The replace application button D4c is a button for making a replacement application prior to a cancellation fee inquiry request for the lease contract displayed on the contract content display screen D4a, and can be regarded as a first application trigger. In other words, the replace application button D4c is an application trigger for making a replacement application before the cancellation fee inquiry is completed. The replace application button D4c also serves as a request trigger for requesting an inquiry about the cancellation fee, as described below.

[0050] The replace application button D4c is configured to be disabled, i.e., made unselectable, when the cancellation fee inquiry is completed and the cancellation fee response output is made. However, even if a cancellation fee inquiry request has been made, if the cancellation fee response output has not been obtained, the replace application button D4c can be used. If the replace application button D4c is selected after a cancellation fee inquiry request has already been made, a confirmation screen is displayed to inform the user that the previous cancellation fee inquiry request will be invalidated, and only when OK is selected can a replacement application be made using the replace application button D4c.

[0051] As described above, the list of cancellation fee inquiry requests in the search result list D3e displays an application button D3e2 for submitting a replacement application when the cancellation fee inquiry has been completed and the cancellation fee response has been output. Meanwhile, the contract status details screen D4 displays a replacement application button D4c for submitting a replacement application before the cancellation fee inquiry is completed. In this manner, the lease contract application system 100 of this embodiment is configured to enable a replacement application before or after the cancellation fee inquiry is completed. Below, each component of the application support device 10 will be explained for each procedure, in parallel with the screens stored in the display screen storage unit 10a for each procedure.

[0052] (Cancellation fee inquiry request) When the cancellation fee inquiry request email send button D4b is pressed on the contract status details screen D4 in Fig. 7, the inquiry request information I5 inputted on the application terminal 20 is sent to the application support device 10 as shown in Fig. 2. The application support device 10 includes an email sending unit 10d that sends a cancellation fee inquiry request email to the email address included in the inquiry request information I5.

[0053] The email sending unit 10d is configured to generate an email containing a URL based on the contract information I3 and the inquiry request information I5, and to send the email to the email address included in the inquiry request information I5. The URL is a URL for transitioning to the cancellation fee inquiry request information input screen D5. In order to specify within the system which contract information the cancellation fee inquiry is for, the email sending unit 10d is configured to generate a different URL each time a cancellation fee inquiry request email is sent. Also, even if a cancellation fee inquiry request email is sent multiple times for the same contract information, a different URL may be generated for each cancellation fee inquiry request email. An example of a cancellation fee inquiry request email is shown in FIG. 8.

[0054] The display screen storage unit 10a may store a cancellation fee inquiry request information input screen D5 as a transition screen from the URL described in the cancellation fee inquiry request email. An example of the cancellation fee inquiry request information input screen D5 is shown in Fig. 9. The cancellation fee inquiry request information input screen D5 accepts input of cancellation fee inquiry request information I6 and consent confirmation information I7 required for a cancellation fee inquiry request. The cancellation fee inquiry request information input screen D5 does not state information such as contract information, but as described above, a different URL is issued each time a cancellation fee inquiry request email is sent, so the contract information can be identified.

[0055] The cancellation charge inquiry request information I6 includes information such as the inquiry requester's name, trade name, telephone number, and address. The consent confirmation information I7 is information indicating that the customer 3 has confirmed his / her consent to the cancellation charge inquiry request. The cancellation charge inquiry request information input screen D5 includes a text box group D5a for inputting the cancellation charge inquiry request information I6 on the customer terminal 30, and a check box D5b for confirming consent to the cancellation charge inquiry. The cancellation charge inquiry request information input screen D5 also includes a cancellation charge inquiry request button D5c that can be pressed after inputting required items into the text box group D5a on the customer terminal 30 and checking the check box D5b, to send a cancellation charge inquiry request to the application support device 10.

[0056] 2 and 9, when the cancellation fee inquiry request button D5c is pressed on the cancellation fee inquiry request information input screen D5, the cancellation fee inquiry request information I6 and consent confirmation information I7 input on the customer terminal 30 are sent to the application support device 10. The application support device 10 has a cancellation fee information acquisition unit 10e that acquires information related to the cancellation fee inquiry in response to the cancellation fee inquiry request information I6 and the consent confirmation information I7 from the customer terminal 30.

[0057] 2, the cancellation fee information acquisition unit 10e includes an inquiry possibility determination unit 10e1 and a determination result notification unit 10e2. The inquiry possibility determination unit 10e1 is a processing unit that determines whether or not an inquiry about the cancellation fee is possible. The inquiry possibility determination unit 10e1 is a processing unit that acquires payment status information I8 from the information inquiry device 11 and determines whether or not an inquiry about the cancellation fee is possible.

[0058] The inquiry possibility determination unit 10e1 may be configured to determine that it is not possible to inquire about the cancellation fee if, for example, there is an arrears in the lease fee. On the other hand, if there is no problem with the payment of the lease fee, the inquiry possibility determination unit 10e1 determines that it is possible to inquire about the cancellation fee. However, there is no intention to exclude the operator of the leasing company 1 from determining whether or not to inquire about the cancellation fee based on the payment status information I8 acquired by the inquiry possibility determination unit 10e1. The inquiry possibility determination unit 10e1 notifies the determination result notification unit 10e2 of the result of the determination on whether or not to inquire about the cancellation fee.

[0059] The determination result notifying unit 10e2 is an email sending unit configured to notify the application terminal 20 of the dealer 2 of the result of the cancellation fee inquiry. Notifying the application terminal 20 of the dealer 2 means, for example, sending an email to the email address of the dealer 2 or the email address of a person in charge at the dealer 2, which are registered in advance in the administrator menu of the lease contract application system 100. If the result of the inquiry permission determining unit 10e1 is that inquiry is not possible, the determination result notifying unit 10e2 sends an inquiry not possible email to the email address of the dealer 2. An example of an inquiry not possible email is shown in FIG. 10(a).

[0060] If the inquiry possibility determination unit 10e1 determines that inquiry is possible, the determination result notification unit 10e2 transmits an inquiry result email to the application terminal 20 of the dealer 2. The determination result notification unit 10e2 generates an inquiry result email containing the total cancellation charge amount, the cancellation date, etc., based on the cancellation charge information I9 of the lease contract that is the subject of inquiry inquired by the information inquiry device 11, and transmits it to the application terminal 20. An example of the inquiry result email is shown in FIG. 10(b). However, there is no intention to exclude the operator of the leasing company 1 from sending an inquiry impossible email and an inquiry result email based on the cancellation charge information I9 acquired by the information inquiry device 11.

[0061] When the determination result notifying unit 10e2 sends the inquiry result email, that is, when the inquiry on the cancellation fee is completed, an output button D3e1 is displayed in the cancellation fee answer sheet output column and an application button D3e2 is displayed in the replacement application column in the search result list D3e, as shown in Fig. 6. By pressing the output button D3e1, the person in charge at the dealer 2 can confirm the cancellation fee and present the lease contract cancellation fee answer sheet and cancellation procedure application form to the customer 3.

[0062] (Replacement application after cancellation fee inquiry completed) As described above, once the inquiry about the cancellation fee is completed, a replacement application can be made by pressing the application button D3e2. The display screen storage unit 10a may store an application information input screen D6 as a screen to be displayed when the application button D3e2 is pressed in the search result list D3e. The application information input screen D6 may be the same as the screen displayed when the button D2a for new lease applications in FIG. 4 is pressed. In other words, it is a screen that is also used for new lease contracts. An example of the application information input screen D6 is shown in FIG. 11.

[0063] The application information input screen D6 is an input form screen that accepts the input of application information I10 required to make a lease contract. The application information I10 includes information such as product information of the leased property, lease period, lease rate, screening request category, application category, lease fee estimation method, application content category, remaining debt category, etc. The application information input screen D6 includes, for example, a lease period / lease rate pull-down list D6a, a screening request category selection button group D6b, an application category selection button group D6c, an estimation method setting screen D6d, a product information setting screen D6e, an application content category selection button group D6f, and a remaining debt category setting screen D6g.

[0064] Here, when a replacement application is made by pressing the application button D3e2, the "Replace" selection button, which means replacement, is selected in the application content category selection button group D6f. Also, the total amount of the remaining debt, consumption tax, and the remaining lease contract company, which were answered in the cancellation fee inquiry, are entered in the remaining debt category setting screen D6g.

[0065] In addition, the application information input screen D6 may include an estimate button D6h for performing an estimate of the lease contract when the input of the application information I10 is completed. As shown in FIG. 2, when the estimate button D6h is pressed on the application information input screen D6, the application information I10 input on the application terminal 20 is sent to the application support device 10.

[0066] The lease fee calculation unit 10f is a calculation unit that calculates lease fees and the like based on application information I10 from the application terminal 20. The lease fee calculation unit 10f estimates the lease fee, including the monthly lease fee and consumption tax, using the lease period, lease fee rate, lease fee estimation method, remaining debt status, and the like, contained in the application information I10. Although not shown in the figure, after pressing the estimate button D6h, an estimate result confirmation screen may be displayed that allows the user to confirm the estimate result calculated by the lease fee calculation unit 10f.

[0067] The display screen storage unit 10a may store an applicant information input screen (not shown) as a screen that is displayed when proceeding with the procedure after checking the estimated calculation results. The applicant information input screen is an input form screen that accepts input of applicant information I11 related to the applicant who applies for a lease contract. The applicant information I11 includes information such as the name, address, business overview, and prospective guarantor of the applicant, including corporations. By displaying the applicant information input screen, if the person in charge of the dealer 2 already knows the applicant information I11, he or she can enter it on behalf of the customer 3. Of course, it is also possible for the dealer 2 not to enter the applicant information I11 at the dealer 2 side and to proceed with the procedure with the information left blank.

[0068] The display screen storage unit 10a may store an input content confirmation screen D7 as a screen to be displayed after the input of the application information I10 and the applicant information I11 is completed. An example of the input content confirmation screen D7 is shown in Fig. 12. The input content confirmation screen D7 is a screen that displays the contents entered on the application information input screen D6 and the applicant information input screen as a list, for the person in charge at the dealer 2 to confirm.

[0069] Here, the input content confirmation screen D7 includes a dealer terminal button D7a and an applicant terminal button D7b for selecting an application terminal to apply for a lease contract. The dealer terminal button D7a is a button to be selected when the customer 3 performs the application procedure using the application terminal 20 of the dealer 2. The applicant terminal button D7b is a button to be selected when the customer 3 performs the application procedure using the customer terminal 30 of the customer 3. Regardless of which button is selected, the application procedure is performed by the applicant, the customer 3, but by configuring the customer terminal 30 to be selectable, the customer 3 can also perform the procedure without visiting the dealer 2. After checking the input content, the person in charge at the dealer 2 selects an application terminal and presses a button to proceed with the procedure.

[0070] When the applicant terminal button D7b is pressed, an application URL issuance information input screen (not shown) is displayed. The application URL issuance information input screen is a screen that accepts input of issuance information I12. The issuance information I12 includes information such as the expiration date of the application URL, an email address, and an issuance method. The application URL issuance method can be selected from issuing only the URL, sending an email containing the URL, and issuing a guidebook containing a two-dimensional code. When input of the issuance information I12 is completed on the application URL issuance information input screen, the issuance information I12 is sent to the application support device 10 side as shown in FIG. 2.

[0071] The application URL issuing unit 10g is a processing unit that issues a URL for transitioning to an applicant information input screen based on the contents of the issuing information I12. The application URL issuing unit 10g issues a URL, sends an email, issues a guidebook with a two-dimensional code, and so on, in accordance with the application URL issuing method included in the issuing information I12.

[0072] On the customer terminal 30, the customer 3 transitions to the applicant information input screen from a URL or the like for transitioning to the applicant information input screen, and inputs the applicant information I11. Note that the applicant information input screen transitioned to from the URL or the like does not display the distributor terminal button D7a or the applicant terminal button D7b, but instead displays a button for proceeding to the contract content agreement screen D8.

[0073] The application information storage unit 10h is a storage unit that stores information received from the application terminal 20 and the customer terminal 30. The application information storage unit 10h may store, for example, consent confirmation information I7, application information I10, applicant information I11, application status of a lease contract, etc. Information stored in the application information storage unit 10h may be linked to the reception device 12.

[0074] The display screen storage unit 10a may store a contract content agreement screen D8 as a screen to be displayed after the customer 3 has completed inputting the applicant information I11. An example of the contract content agreement screen D8 is shown in Fig. 13. The contract content agreement screen D8 is a screen that displays the contents entered on the application information input screen D6 and the applicant information input screen as a list for the customer 3 to confirm.

[0075] The contract content consent screen D8 also accepts input of consent confirmation information I7 for matters that require consent to enter into a lease contract. The contract content consent screen D8 includes a check box group D8a for consent confirmation. The check box group D8a is a check box for selecting whether or not the customer 3 agrees to the displayed contents of each document and clause that should be confirmed. The contract content consent screen D8 may also include a check box group D8b for final confirmation of the lease contract application. The contract content consent screen D8 further includes an application button D8c that is selectable only when each check box group D8a, D8b is checked. After the contract content consent screen D8, a screen for having the guarantor confirm the application contents and obtain consent may be displayed.

[0076] (Replacement application before cancellation fee inquiry is completed) When the cancellation fee inquiry has not been completed, a replacement application can be made by pressing the Replace Application button D4c on the contract status details screen D4 shown in Fig. 7. When the Replace Application button D4c is pressed, the application information input screen D6 of Fig. 11 is displayed. When a replacement application is made by pressing the Replace Application button D4c, the "Replace" selection button, which means replacement, is selected in the application content category selection button group D6f. Also, since the cancellation fee has not been inquired about, only the remaining lease contract company is entered on the remaining debt category setting screen D6g.

[0077] When the procedure is started from the application information input screen D6, the estimated results confirmation screen, the applicant information input screen, the input contents confirmation screen D7 (Fig. 12), and the contract contents agreement screen D8 (Fig. 13) are displayed in sequence. These screens can be configured with the same display contents as those of the display screens explained in the replacement application after the cancellation fee inquiry is completed.

[0078] However, in a replacement application using the replacement application button D4c, a cancellation fee inquiry consent screen D9 is displayed. FIG. 14 shows an example of the cancellation fee inquiry consent screen D9. The cancellation fee inquiry consent screen D9 can be displayed as a part of the contract content consent screen D8. The cancellation fee inquiry consent screen D9 is configured to be able to display the name of the property for which the cancellation fee inquiry is to be performed, and accepts input of consent confirmation information I7. That is, the cancellation fee inquiry consent screen D9 includes a check box D9a for confirming consent to the cancellation fee inquiry. As described above, in a replacement application using the replacement application button D4c, both the cancellation fee inquiry consent confirmation information I7 and the lease contract application consent confirmation information I7 can be obtained. Therefore, it can be said that the replacement application button D4c is both an application trigger and a request trigger.

[0079] (After completing replacement application) The display screen storage unit 10a may store an application completion screen (not shown) that is displayed when the application button D8c is pressed on the contract content agreement screen D8. The application completion screen displays the screening acceptance number and is configured to be able to output a customer copy. The application completion screen can be displayed in common for both replacement applications before and after the cancellation fee inquiry is completed.

[0080] The application linking unit 10j transmits an application for a lease or replacement contract received from the application terminal 20 or the customer terminal 30 to the reception device 12. The application linking unit 10j passes the consent confirmation information I7, application information I10, applicant information I11, and the like stored in the application information storage unit 10h to the reception device 12. The reception device 12 examines the application target based on the received information.

[0081] The screening result notification unit 10i is an email sending unit that generates an email stating the screening results based on the screening result information I13 input from the reception device 12, and sends the email to the email address of the dealer 2. In other words, the screening result notification unit 10i sends the screening result information I13 to the application terminal 20. The screening result notification unit 10i generates an email displaying, for example, the screening results, the screening reception number, the property name, the property price, the lease period, etc. In addition, the email generated by the screening result notification unit 10i may include a URL that transitions to a website unique to each dealer 2.

[0082] If a replacement application is made before the cancellation charge inquiry is completed by using the replacement application button D4c on the contract status details screen D4, the cancellation charge information acquisition unit 10e judges whether or not the cancellation charge can be inquired in parallel with the acceptance and examination of the replacement application. Therefore, the inquiry possibility judgment unit 10e1 notifies the result of the judgment on whether or not the cancellation charge can be inquired about around the time of the examination notice by the examination result notice unit 10i.

[0083] (Application after checking cancellation fee) If a replacement application is made before the cancellation fee inquiry is completed by pressing the Replacement Application button D4c on the Contract Status Details screen D4, the judgment result notification unit 10e2 will send an inquiry result email, that is, after the cancellation fee inquiry is completed, it is necessary to re-apply for confirmation of the cancellation fee. The person in charge at the dealer 2 presses the Output button D3e1 displayed in the search result list D3e in FIG. 6 and checks the lease contract cancellation fee response and cancellation procedure application form.

[0084] As described above, when the cancellation fee inquiry is completed, the application button D3e2 for the replacement application is displayed. If a replacement application is made before the cancellation fee inquiry is completed using the replacement application button D4c on the contract status details screen D4, when a replacement application is made using the application button D3e2 after the cancellation fee inquiry is completed, the replacement application made using the replacement application button D4c is treated as canceled, and a replacement application (replacement application after the cancellation fee inquiry) may be made again from the beginning.

[0085] Once confirmation of the cancellation fee is completed, a replacement application is made again. The display screen storage unit 10a may store a lease re-application / application status inquiry screen D10 as a screen to be displayed when the button D2b is pressed on the menu screen D2 of FIG. 4. FIG. 15 shows an example of the lease re-application / application status inquiry screen D10. The lease re-application / application status inquiry screen D10 may include an application status search screen D10a that accepts input of inquiry information I14, and a case list D10b that displays the search results.

[0086] The inquiry information I14 includes information on search conditions for the application status of the lease contract stored in the application information storage unit 10h. The inquiry information I14 includes the receipt number, the examination acceptance number, the applicant name, the date, the dealer name, etc. The application status search screen D10a is a screen for searching the application status based on the inquiry information I14.

[0087] The case list D10b is a table that displays information about applications corresponding to the inquiry information I14 set on the application status search screen D10a. The application status search screen D10a can be configured to be output in CVS format. By double-clicking on the contract to be re-applied for on the application status search screen D10a, it may be possible to transition to the application information input screen D6 in FIG.

[0088] The application information input screen D6 reflects the application information I10 entered when applying for a replacement using the replacement application button D4c on the contract status details screen D4. However, in the replacement application before the cancellation fee inquiry, the total remaining balance and consumption tax were not entered in the remaining balance existence classification setting screen D6g. When the person in charge at the dealer 2 updates the contents of the remaining balance existence classification setting screen D6g and proceeds with the procedure, the estimated calculation result confirmation screen, the applicant information input screen, the input content confirmation screen D7 (FIG. 12), and the contract content agreement screen D8 (FIG. 13) are displayed in sequence, and the application process can be carried out. However, the cancellation fee inquiry agreement screen 9 is not displayed on the contract content agreement screen D8. After the application is completed, the screening results will be notified in the same way as described above (after the replacement application is completed).

[0089] (Information inquiry device 11) The information inquiry device 11 includes a payment status inquiry unit 11a and a cancellation fee inquiry unit 11b. The payment status inquiry unit 11a is a processing unit that in response to a request from the application support device 10, inquires about payment status information I8 of the lease contract that is the subject of inquiry from the customer information stored in the core device 13. The payment status information I8 includes information regarding the payment of the lease fee of the lease contract that is the subject of inquiry. The payment status inquiry unit 11a passes the inquired payment status information I8 to the application support device 10, and the inquiry feasibility determination unit 10e1 of the cancellation fee information acquisition unit 10e determines whether or not to inquire about the cancellation fee based on the payment status information I8.

[0090] The cancellation fee inquiry unit 11b is a processing unit that inquires about cancellation fee information I9 of the lease contract being inquired about from the customer information stored in the core device 13. The cancellation fee information I9 includes information such as the total cancellation fee amount and the cancellation date. The cancellation fee inquiry unit 11b passes the inquired cancellation fee information I9 to the application support device 10, and the application support device 10 notifies the application terminal 20 of the cancellation fee information I9.

[0091] (Reception device) As shown in Fig. 2, the reception device 12 includes a master storage unit 12a, an application linking unit 12b, and an examination result transmission unit 12c. The master storage unit 12a mainly includes an auxiliary storage device. The application linking unit 12b and the examination result transmission unit 12c mainly include a CPU. Note that the configuration related to scoring and examination will not be described.

[0092] The master storage unit 12a stores the product information master M1. The product information master M1 is an attribute database of various properties. The product information master M1 is transmitted to the application terminal 20 via the application support device 10 and is used to support input of the application information I10.

[0093] The application linking unit 12b also transmits information necessary for the replacement application, such as the consent confirmation information I7, the application information I10, and the applicant information I11, to the core device 13. The transmission timing may be when the examination based on the application information I10 transmitted from the application support device 10 is passed.

[0094] The screening result sending unit 12c is a processing unit that sends screening result information I13, which is the screening result based on the application information I10, etc., to the application support device 10. The application support device 10 may include a storage unit that stores the screening result information I13 output by the screening result sending unit 12c, and the screening result notifying unit 10i is configured to generate an email stating the screening result based on the screening result information I13.

[0095] (Application terminal and customer terminal) The configurations of the application terminal 20 and the customer terminal 30 are described below. Common reference symbols are used for common components in the application terminal 20 and the customer terminal 30. As shown in Fig. 2, the application terminal 20 and the customer terminal 30 include a display unit D, an operation unit O, a Web browser WB, and an input information storage unit M.

[0096] The display unit D is a device that displays information to the eye by drawing characters, symbols, figures, etc. on a liquid crystal display, an organic EL display, an LED display, etc. The display unit D is configured to display various screens related to lease contracts, including screens D1-10, under the control of the Web browser WB. The operation unit O is a device that accepts input operations by the operator of the application terminal 20 and the customer terminal 30, such as a keyboard, mouse, touch panel, microphone, etc. The operation unit O is configured to be able to accept input of various information I1, I2, I4-I7, I10-I12, I14 by the operator.

[0097] The Web browser WB is mainly configured to include a CPU, and displays various screens D1-10 stored in the display screen storage unit 10a of the application support device 10 on the display unit D. The input information storage unit M is a storage unit that stores various pieces of information I1, I2, I4-I7, I10-I12, and I14 input on the various screens D1-10. The various pieces of information I1, I2, I4-I7, I10-I12, and I14 stored in the input information storage unit M are transmitted to the application support device 10 via the Web browser WB.

[0098] The Web browser WB of the application terminal 20 receives the contract information I3 queried by the application support device 10 and displays it on the display unit D. When making a lease contract, the Web browser WB of the application terminal 20 transmits various pieces of information I1, I2, I4-I7, I10-I12, and I14 to the application support device 10. In addition, the Web browser WB of the customer terminal 30 transmits various pieces of information I6, I7, and I11 to the application support device 10.

[0099] The application terminal 20 may include a form generation unit (not shown) that generates a form on which the application information I10 and the like are described. This form is printed as a customer copy, etc. The application terminal 20 can be configured to generate a form of the application information I10 when a button requesting an application is pressed on the Web browser WB.

[0100] (Replacement application process after cancellation fee inquiry completed) 16 and 17 are sequence diagrams showing the operation of such a lease contract application system 100. First, the operation of making a cancellation fee inquiry request and applying for replacement after the cancellation fee inquiry is completed will be described using the example of FIG. 16. First, the application support device 10 stores the contract information I3 output from the core device 13 (step S01). In addition, the application support device 10 logs into the reception device 12 at a predetermined timing and reads the product information master M1 of the reception device 12 (step S02).

[0101] At the dealer 2 side, when the negotiations for replacement progress and reach the stage of trial calculations for the replacement contract, the application terminal 20 is used. The person in charge at the dealer 2 enters authentication information I1 in a login screen D1 that is displayed when the person accesses a specific website, and logs into the application support device 10 of the leasing company 1 (step S03). In this manner, the Web browser WB of the application terminal 20 requests various screens including screens D1-10 from the application support device 10, and the Web server WS of the application support device 10 transmits the various screens including screens D1-10 stored in the display screen storage unit 10a to the application terminal 20.

[0102] The Web browser WB of the application terminal 20 causes the display unit D to display various screens including screens D1-D10 from the display screen storage unit 10a. The Web browser WB of the customer terminal 30 causes the display unit D to display various screens including screen D5 from the display screen storage unit 10a. The person in charge at the store 2 or the customer 3 uses the operation unit O to input various pieces of information I2, I4-I7, I10-I12 while checking the various screens including screens D1-D10 displayed on the display unit D (step S05).

[0103] In addition, the product information master M1 for supporting the input of the application information I10 is loaded into the application terminal 20 (step S04). That is, the Web browser WB of the application terminal 20 requests the product information master M1 from the application support device 10, and the Web server WS of the application support device 10 responds by transmitting the product information master M1 stored in the master storage unit 12a of the reception device 12 to the application terminal 20.

[0104] When making an inquiry about the cancellation fee of an existing lease contract, the person in charge at the dealer 2 presses a button D2c on the menu screen D2 in Fig. 4 for making an inquiry about the contract status of the lease contract or for a request to inquire about the cancellation fee, and the menu information I2 is transmitted to the application support device 10 (step S06). Similarly, by pressing a button D3c on the search screen D3 for displaying information about a request to inquire about the cancellation fee for an concluded lease contract, the search information I4 is transmitted to the application support device 10 (step S07). The search results based on the search information I4 are displayed in a search result list D3e.

[0105] The salesperson at the dealer 2 clicks on a blank cell of the target lease contract in the search result list D3e that displays the list of cancellation fee inquiry requests to display the contract status details screen D4, and inputs the inquiry request information I5 on the contract status details screen D4. Then, when the salesperson presses the cancellation fee inquiry request email send button D4b, the inquiry request information I5 is sent to the application support device 10 (step S08).

[0106] When the mail sending unit 10d of the application support device 10 receives the inquiry request information I5, it generates a cancellation fee inquiry request mail including a specific URL and sends it to the mail address included in the inquiry request information I5 (step S09). The example of Fig. 16 shows a case where the sent cancellation fee inquiry request mail is received at the customer terminal 30.

[0107] The customer 3 inputs the cancellation fee inquiry request information I6 and the consent confirmation information I7 required for the cancellation fee inquiry request on the cancellation fee inquiry request information input screen D5. Then, when the cancellation fee inquiry request button D5c is pressed, the cancellation fee inquiry request information I6 and the consent confirmation information I7 are sent to the application support device 10 (step S10). Upon receiving the cancellation fee inquiry request, the cancellation fee information acquisition unit 10e acquires the payment status information I8 and the cancellation fee information I9 from the information inquiry device 11 (step S11).

[0108] In the cancellation fee information acquisition unit 10e, the inquiry possibility determination unit 10e1 determines whether or not the cancellation fee can be inquired. In addition, the determination result notification unit 10e2 notifies the email address of the dealer 2 of an inquiry impossibility email or an inquiry result email based on the cancellation fee information I9 (step S12).

[0109] If the cancellation fee can be inquired and an inquiry result email based on the cancellation fee information I9 is ​​received, the person in charge at the dealer 2 operates the application terminal 20 to press the application button D3e2 in the search result list D3e to display the application information input screen D6. Then, when the person in charge at the dealer 2 enters the application information I10 required to make a lease contract on the application information input screen D6 and presses the estimate button D6h, the application information I10 is sent to the application support device 10 (step S13).

[0110] On the application support device 10 side, when the application information I10 is received, the lease fee calculation unit 10f calculates the lease fee and transmits the calculation result to the application terminal 20 (step S14). On the application terminal 20, a calculation result confirmation screen including the calculation result is displayed on the display unit D, and if the application for the contract proceeds, applicant information I11 may be input using the operation unit O.

[0111] Then, the person in charge at the dealer 2 checks the contents entered on the application information input screen D6 and the applicant information input screen on the input content confirmation screen D7, and selects an application terminal to apply for a lease contract. The example in FIG. 16 shows an example in which the applicant terminal button D7b, which is selected when the customer 3 performs the application procedure using the customer terminal 30 of the customer 3, is pressed. When the procedure is proceeded on the input content confirmation screen D7, the application information I10 and the applicant information I11 are transmitted to the application support device 10 (step S15).

[0112] If the person in charge at the retail store 2 selects the applicant terminal button D7b on the input content confirmation screen D7, he or she inputs the issuance information I12 on the application URL issuance information input screen and sends it to the application support device 10 (step S16). The application URL issuing unit 10g of the application support device 10 issues a URL for transitioning to the applicant information input screen based on the contents of the issuance information I12, and sends it to, for example, the email address of the customer 3 (step S17).

[0113] The customer 3 receives the email using the customer terminal 30, transitions to an applicant information input screen via the URL described in the email, and inputs the applicant information I11. Then, on the contract content consent screen D8, the customer 3 confirms the applicant information I11 already input, and inputs the consent confirmation information I7 via the check box group D8a. When the customer presses the Apply button D8c on the contract content consent screen D8, the application for the lease contract is completed, and the applicant information I11 and the consent confirmation information I7 are sent to the application support device 10 (step S18).

[0114] The application linking unit 10j of the application support device 10 passes information necessary for the replacement contract, such as the consent confirmation information I7, the application information I10, and the applicant information I11, to the reception device 12 (step S19). The reception device 12 examines the application target based on the received information (step S20).

[0115] If the examination is passed, the application linking unit 12b of the reception device 12 transmits the application information I10 and the applicant information I11 to the core device 13 (step S21). Since the examination has passed and the contract has been established when the information is transmitted to the core device 13, the application information I10 and the applicant information I11 can also be said to be contract information at the time of transmission. The core device 13 registers the received contract information, and the registered contract information is used for operations such as sales and payment management.

[0116] Furthermore, when the examination is completed, the examination result sending unit 12c of the reception device 12 sends the examination result information I13 to the application support device 10 (step S22). The examination result notifying unit 10i generates an email containing the examination result based on the examination result information I13 input from the reception device 12, and sends it to the email address of the retailer 2 (step S23).

[0117] (Replacement application processing before cancellation fee inquiry is completed) Next, an operation of applying for replacement when cancellation fee inquiry is not completed will be described using the example of Fig. 17. Steps S01 to S07 are the same as (Replacement application process after cancellation fee inquiry is completed), so the description will be omitted.

[0118] The dealer 2 staff member clicks on a blank cell of the target lease contract in the search result list D3e, which displays a list of cancellation fee inquiry requests, to display the contract status details screen D4, and presses the replacement application button D4c to display the application information input screen D6. The procedure thereafter is the same as steps S13 to S17 described above (replacement application process after cancellation fee inquiry is completed), so a description is omitted. In other words, if a replacement is applied for when the cancellation fee inquiry has not been completed, steps S8 to S12 related to the cancellation fee inquiry are not performed.

[0119] Instead, on the contract content consent screen D9 of the contract content consent screen D8, the customer 3 checks a check box D9a to confirm that he or she agrees to the cancellation fee inquiry and inputs consent confirmation information I7. When the customer 3 presses the apply button D8c on the contract content consent screen D8, the application for the lease contract is completed, and the applicant information I11 and consent confirmation information I7 are sent to the application support device 10 (step S18).

[0120] The application linking unit 10j of the application support device 10 passes information required for the replacement contract, such as the consent confirmation information I7, the application information I10, and the applicant information I11, to the reception device 12 (step S19). The reception device 12 examines the application target based on the received information (step S20). The transmission of the contract information in the above step S21 does not need to be performed.

[0121] When the examination is completed, the examination result sending unit 12c of the reception device 12 sends the examination result information I13 to the application support device 10 (step S22). The examination result notifying unit 10i generates an email containing the examination result based on the examination result information I13 input from the reception device 12, and sends it to the email address of the store 2 (step S23).

[0122] The process for inquiring about the cancellation fee proceeds in parallel with the above steps S13 to S20, 22, and 23. That is, the cancellation fee information acquiring unit 10e acquires the payment status information I8 and the cancellation fee information I9 from the information inquiry device 11 (step S24).

[0123] In the cancellation fee information acquisition unit 10e, the inquiry possibility determination unit 10e1 determines whether or not the cancellation fee can be inquired. In addition, the determination result notification unit 10e2 notifies the email address of the dealer 2 of an inquiry impossibility email or an inquiry result email based on the cancellation fee information I9 (step S25).

[0124] If the cancellation fee can be inquired and an inquiry result email based on the cancellation fee information I9 is ​​received, the person in charge at the dealer 2 performs steps S01 to S07 described above, presses the output button D3e1 in the search result list D3e, and confirms the cancellation fee. Then, the person in charge at the dealer 2 presses the button D2b on the menu screen D2 in Fig. 4 for reapplying for the lease contract or inquiring about the current application status, and the lease reapplication / application status inquiry screen D10 is displayed. In Fig. 17, illustration of these processes is omitted.

[0125] On the lease reapplication / application status inquiry screen D10, the person in charge at the dealer 2 inputs inquiry information I14, which is a search condition for the application status of the lease contract stored in the application information storage unit 10h, and presses the search button to transmit the inquiry information I14 to the application support device 10 (step S26). The search results based on the inquiry information I14 are displayed in the case list D10b.

[0126] The person in charge at the dealer 2 double-clicks on the contract for which reapplication is to be made, transitioning to the application information input screen D6. The person in charge at the dealer 2 updates the contents of the remaining debt status setting screen D6g on the application information input screen D6 and proceeds to steps S16 to S18, whereupon the updated application information I10 and applicant information I11 are sent to the application support device 10 (step S27). Through the above processing, a formal application for a replacement contract is made. The procedures thereafter are the same as steps S19 to S23 described above (replacement application processing after cancellation fee inquiry is completed), and therefore will not be described here.

[0127] (Action and effect) The advantages of the lease contract application system 100 of this embodiment as described above are as follows.

[0128] (1) A display unit D that displays a screen related to a lease contract, an operation unit O that accepts input of various information, a display screen memory unit 10a that stores a screen displayed on the display unit D and used for inputting various information by the operation unit O, a master memory unit 12a that stores product information master M1 of a lease property, a lease fee calculation unit 10f that calculates the lease fee of the lease property, a contract information memory unit 10c that stores contract information I3 of the lease contract, and a cancellation fee information acquisition unit 10e that inquires about cancellation fees when terminating a lease contract, the screen is configured to include a request trigger that requests an inquiry about cancellation fees for a lease contract and an application trigger that requests an application for replacement, and the application trigger is configured to be able to execute an application for replacement before or after the inquiry about the cancellation fee by the cancellation fee information acquisition unit 10e is completed.

[0129] Replacement of lease contracts always requires an inquiry about cancellation fees. Therefore, in the past, customers were unable to apply for replacement until the inquiry about cancellation fees had been completed. In this case, even if a customer wanted to apply for replacement regardless of the amount of the cancellation fees, they had to first go through the procedure for inquiry about cancellation fees. There were also cases where a customer applied for replacement after the inquiry about cancellation fees had been completed, and then once more applied for the replacement after checking the amount associated with the replacement application. In this way, the procedure for replacement applications required multiple steps.

[0130] On the other hand, in the lease contract application system of this embodiment, the completion of cancellation fee inquiry is not a condition for the replacement application, so the customer can apply for a replacement if he or she wishes. In other words, the procedure for cancelation fee inquiry can be omitted, which reduces the workload of the customer and the dealer.

[0131] In addition, in order to meet the customer's request to confirm the cancellation fee by inquiring about the cancellation fee before applying for a replacement, the application trigger is configured to be able to execute the application for replacement before or after the inquiry about the cancellation fee is completed. In other words, the lease contract application system 100 has the flexibility to proceed with the procedure according to the customer's wishes.

[0132] (2) The application trigger includes a first application trigger configured to enable a request for a replacement application only before an inquiry about the cancellation fee has been completed, and the first application trigger serves both as an application trigger for making an application for a replacement and as the request trigger for requesting an inquiry about the cancellation fee.

[0133] As explained in the embodiment, the replacement application button D4c is an application trigger for making a replacement application before the cancellation fee inquiry is completed, and is a request trigger for requesting an inquiry about the cancellation fee. By providing such a replacement application button D4c, it is possible to combine the replacement application and the cancellation fee inquiry request into a single procedure, thereby reducing the workload of the dealer 2 and the customer 3.

[0134] (3) The application trigger includes a second application trigger configured to enable a request for a replacement application only after an inquiry about the cancellation fee has been completed, and the second application trigger is configured to be displayed on the screen only after the cancellation fee information acquisition unit has completed an inquiry about the cancellation fee at the request of the request trigger.

[0135] As explained in the embodiment, the application button D3e2 is displayed only when the cancellation charge inquiry has been completed and the cancellation charge response has been output. When multiple application triggers for replacement applications are provided separately, the application button D3e2, which is used after the cancellation charge inquiry has been completed, is displayed only after the cancellation charge inquiry has been completed, thereby preventing erroneous operation by the sales store 2 staff. A system with high visibility and ease of understanding can be provided.

[0136] (4) The display screen memory unit 10a stores a cancellation fee inquiry request information input screen D5 that accepts input of cancellation fee inquiry request information I6 and cancellation fee inquiry consent confirmation information I7 required for the cancellation fee inquiry request, and further includes an email sending unit 10d that sends a cancellation fee inquiry request email to a specified email address upon request of a request trigger, and the email sending unit 10d is configured to be capable of generating an email including a URL that can be used to transition to the cancellation fee inquiry request information input screen D5.

[0137] When making a cancellation charge inquiry request, it is essential that the customer 3 input cancellation charge inquiry request information I6 and consent confirmation information I7. By configuring the system to be able to send an email containing a URL leading to the cancellation charge inquiry request information input screen D5, which accepts the input of this information, the cancellation charge inquiry request information input screen D5 can be accessed from the terminal that received the email. Therefore, for example, it is possible to access the cancellation charge inquiry request information input screen D5 from the customer terminal 30 and input information.

[0138] With this configuration, negotiations between the dealer 2 and the customer 3 can be conducted by telephone, web conference, etc. The customer 3 does not need to visit the dealer 2 to inquire about the cancellation fee, which reduces the travel burden on the customer 3.

[0139] (5) The display screen memory unit 10a stores an applicant information input screen that accepts input of applicant information I11 related to the applicant for the lease contract, and a contract content consent screen D8 that accepts input of consent confirmation information I7 for the lease contract, and further includes an application URL issuing unit 10g that issues a URL to which the applicant information input screen can be accessed. When a replacement application is requested via the first application trigger, the contract content consent screen D8 is configured to be able to accept input of consent confirmation information I7 related to an inquiry about the cancellation fee.

[0140] When a replacement application is made using the replacement application button D4c before the cancellation fee inquiry is completed, the contract content agreement screen D8 accepts input of both lease contract agreement confirmation information I7 and cancellation fee inquiry agreement information I7. In other words, this configuration makes it possible to obtain consent for the replacement application and cancellation fee inquiry request in a single procedure. This configuration further reduces the workload of the dealer 2 and the customer 3.

[0141] (6) The display screen memory unit 10a includes a screen for displaying a list of cancellation fee inquiry requests indicating the status of cancellation fee inquiry requests for lease contracts, and the list of cancellation fee inquiry requests is configured to display an output trigger for outputting a cancellation fee response letter only after the cancellation fee inquiry has been completed, and a second application trigger.

[0142] As explained in the embodiment, in the cancellation fee inquiry request list, when the cancellation fee inquiry for each lease contract has been completed, the output button D3e1 is displayed in the cancellation fee response output column and the application button D3e2 is displayed in the replacement application column. This configuration provides high visibility because the person in charge at the dealer 2 can understand from the cancellation fee inquiry request list that the cancellation fee response for a certain lease contract has been completed and a replacement application is possible. In addition, the screen is configured to follow the process of checking the cancellation fee with the output button D3e1 and then applying for a replacement with the application button D3e2, providing high operability.

[0143] (7) The first application trigger is invalidated when the cancellation charge information acquiring unit 10e completes inquiry about the cancellation charge.

[0144] As explained in the embodiment, the replacement application button D4c is configured to be unselectable when the cancellation fee inquiry is completed and the cancellation fee response is output. After the cancellation fee inquiry is completed, replacement applications are accepted only with the application button D3e2, so disabling the replacement application button D4c can prevent the person in charge at the dealer 2 from mistakenly applying for a replacement using the replacement application button D4c.

[0145] (8) An application terminal 20 owned by a dealer 2 of a lease property, and an application support device 10 communicatively connected to the application terminal 20 via a network 4, wherein the application terminal 20 has an operation unit O and a display unit D, and the application support device 10 has a display screen memory unit 10a, a lease fee calculation unit 10f, a contract information memory unit 10c, and a cancellation fee information acquisition unit 10e.

[0146] By configuring the application terminal 20 of the dealer 2 and the application support device 10 as described above, it becomes possible to connect a plurality of application terminals 20 to the lease contract application system 100. The lease contract application system 100 makes it possible to comprehensively manage lease contracts.

[0147] (9) The cancellation fee information acquiring unit 10e includes a judgment result notifying unit 10e2 that notifies the application terminal 20 of the result of the cancellation fee inquiry.

[0148] By the determination result notifying unit 10e2 sending an email to the dealer 2, the person in charge at the dealer 2 can confirm that the cancellation fee inquiry has been completed without logging in to the system. Therefore, the person in charge at the dealer 2 does not need to check whether the cancellation fee inquiry has been completed, and the workload can be reduced.

[0149] (10) The application support device 10 further includes an examination result notifying unit 10i that notifies the application terminal 20 of the examination result for the replacement application.

[0150] By having the screening result notification unit 10i send an email to the store 2, the person in charge at the store 2 can confirm that the screening has been completed without logging in to the system. This eliminates the need for the person in charge at the store 2 to check whether the screening has been completed, reducing the workload. It also makes it possible to notify the customer 3 of the screening results as soon as possible.

[0151] (11) An application terminal 20 owned by a dealer 2 of a lease property, a customer terminal 30 owned by a customer, and an application support device 10 communicatively connected to the application terminal 20 via a network, wherein the application terminal 20 and the customer terminal 30 have an operation unit O and a display unit D, and the application support device 10 has a display screen memory unit 10a, a lease fee calculation unit 10f, a contract information memory unit 10c, and a cancellation fee information acquisition unit 10e, and a cancellation fee inquiry request information input screen D5 is configured to be accessible from the customer terminal 30 and accepts input of cancellation fee inquiry request information I6 and consent confirmation information I7 for the cancellation fee inquiry from the customer terminal 30.

[0152] Since the lease contract application system 100 can be configured to include the customer terminal 30, it is possible to access the cancellation fee inquiry request information input screen D5 from the customer terminal 30. Therefore, the customer 3 can input the cancellation fee inquiry request information I6 and the consent confirmation information I7 without visiting the dealer 2. This reduces the travel burden on the customer 3.

[0153] (12) An application terminal 20 owned by a dealer 2 of a lease property, a customer terminal 30 owned by a customer 3, and an application support device 10 communicatively connected to the application terminal 20 via a network 4, wherein the application terminal 20 and the customer terminal 30 have an operation unit O and a display unit D, and the application support device 10 has a display screen memory unit 10a, a lease fee calculation unit 10f, a contract information memory unit 10c, and a cancellation fee information acquisition unit 10e, and the applicant information input screen is configured to be accessible from the customer terminal 30 and accepts input of applicant information I11 from the customer terminal 30, and the contract content consent screen D8 is configured to be accessible from the customer terminal 30 and accepts input of lease contract consent confirmation information I7 from the customer terminal 30.

[0154] The lease contract application system 100 can be configured to include a customer terminal 30, so that the applicant information input screen and the contract content consent screen D8 can be accessed from the customer terminal 30. Therefore, the customer 3 can input the applicant information I11 and the consent confirmation information I7 without visiting the dealer 2. Therefore, since there is no need to visit the dealer 2 every time a cancellation fee inquiry request or replacement contract is made, the travel burden on the customer 3 can be reduced.

[0155] (Other embodiments) Although the embodiment of the present invention has been described above, various omissions, substitutions, and modifications can be made without departing from the spirit of the invention. The embodiment and modifications are included in the scope and spirit of the invention, and are included in the scope of the invention and its equivalents described in the claims.

[0156] (1) In the above embodiment, a replacement application button D4c is displayed on the contract status details screen D4 as a first application trigger that can be used before the cancellation fee inquiry is completed. Also, an application button D3e2 is displayed on the search result list D3e as a second application trigger that can be used after the cancellation fee inquiry is completed. However, the first application trigger and the second application trigger do not necessarily have to be separate triggers (buttons). In other words, a replacement application may be started from a common button, and the application support device 10 may determine whether the cancellation fee inquiry has been completed and display the required screens D1 to D10.

[0157] (2) As described in the above embodiment, the input content confirmation screen D7 includes a dealer terminal button D7a, enabling the customer 3 to carry out the application procedure using the application terminal 20 of the dealer 2. In this case, after the person in charge of the dealer 2 enters some of the representative information of the customer 3 on the applicant information input screen, the customer 3 can take over the operation of the application terminal 20 and confirm and correct the application content on the customer 3 side to carry out the procedure. This application content confirmation screen may be configured to have a check box indicating that the customer 3 has requested the dealer 2 to enter the information, so as to obtain consent for the input content. On the other hand, if the person in charge of the dealer 2 does not enter any representative information of the customer 3 on the applicant information input screen, such a check box may not be displayed.

[0158] (3) As described in the above embodiment, the input content confirmation screen D7 includes the applicant terminal button D7b, and enables the customer 3 to carry out the application procedure using the customer terminal 30. In this case, too, after the person in charge of the store 2 enters some of the representative information of the customer 3 on the applicant information input screen, a URL for transitioning to the applicant information input screen is issued, and the customer 3 can transition to the applicant information input screen via the URL. At this time, in order to protect the customer information, an authentication screen may be displayed before the applicant information input screen, and a password or PIN number may be requested. After authentication is performed on the authentication screen, the screen transitions to the applicant information input screen, and the customer 3 can confirm and correct the application content and carry out the procedure. This application content confirmation screen may be provided with a check box indicating that the customer 3 has requested the store 2 to enter information, and may be configured to obtain consent for the input content. On the other hand, if the person in charge of the store 2 does not enter any representative information of the customer 3 on the applicant information input screen, such an authentication screen may not be displayed. [Explanation of symbols]

[0159] 100: Lease contract application system 1: Leasing company 2: Dealer 3:Customer 4: Network 10: Application support device 10a:Display screen storage section 10b: Authentication information storage section 10c: Contract information storage section 10d: Email sending section 10e: Termination fee information acquisition section 10e1: Inquiry availability determination unit 10e2: Judgment result notification section 10f: Lease fee calculation section 10g: Application URL issuing department 10h: Application information storage section 10i: Examination Result Notification Division 10j: Application Coordination Department 11: Information inquiry device 11a: Payment status inquiry section 11b: Cancellation Fee Inquiry Department 12: Reception device 12a: Master memory unit 12b: Application linkage department 12c: Examination result transmission section 13: Core equipment 20: Application terminal 30: Customer terminal D:Display section M: Input information storage section O:Operation unit WB: Web browser WS: Web server

Claims

1. a display unit that displays a screen related to a lease contract; An operation unit that accepts input of various information; a display screen storage unit configured to store the screen displayed on the display unit and used for inputting the various information by the operation unit; A master storage unit that stores product information master data of leased items; A lease fee calculation unit for calculating a lease fee for the lease object; a contract information storage unit that stores contract information of the lease contract; a cancellation fee information acquisition unit for inquiring about a cancellation fee when canceling the lease contract, The screen includes a request trigger for requesting an inquiry about the cancellation fee for the lease contract, and an application trigger for requesting an application for replacement, A lease contract application system, wherein the application trigger is configured to be able to execute the replacement application before or after the cancellation fee information acquisition unit completes an inquiry about the cancellation fee.

2. The application trigger is a first application trigger configured to request the application for replacement only before the inquiry about the cancellation fee is completed; The first application trigger serves as both the application trigger for making an application for the replacement and the request trigger for requesting an inquiry about the cancellation fee.

2. The lease contract application system of claim 1.

3. The application trigger is a second application trigger configured to request the application for replacement only after the inquiry about the cancellation fee is completed; the second application trigger is configured to be displayed on the screen only after the cancellation fee information acquisition unit completes inquiry about the cancellation fee in response to a request from the request trigger; 3. The lease contract application system according to claim 1 or 2.

4. the display screen storage unit stores a cancellation charge inquiry request information input screen for receiving input of cancellation charge inquiry request information necessary for the cancellation charge inquiry request and consent confirmation information for the cancellation charge inquiry; The method further includes an email sending unit that sends a cancellation fee inquiry request email to a predetermined email address in response to a request of the request trigger, the email sending unit is configured to be capable of generating an email including a URL to which the user can transition to the cancellation fee inquiry request information input screen; 3. The lease contract application system according to claim 1 or 2.

5. The display screen storage unit stores an applicant information input screen for receiving input of applicant information related to the applicant of the lease contract, and a contract content agreement screen for receiving input of consent confirmation information for the lease contract, The application URL issuing unit issues a URL to which the applicant information input screen can be accessed, When an application for replacement is requested via the first application trigger, the contract content agreement screen is configured to be capable of accepting input of the agreement confirmation information regarding the inquiry about the cancellation fee, 3. The lease contract application system according to claim 2.

6. The display screen storage unit includes the screen for displaying a list of cancellation fee inquiry requests indicating the cancellation fee inquiry request status for the lease contract, The cancellation fee inquiry request list is configured to display an output trigger for outputting a cancellation fee response document only after the cancellation fee inquiry is completed, and the second application trigger.

4. The lease contract application system according to claim 3.

7. 3. The lease contract application system according to claim 2, wherein the first application trigger is invalidated when the cancellation charge information acquisition unit completes an inquiry about the cancellation charge.

8. An application terminal owned by a dealer of the leased property; an application support device communicably connected to the application terminal via a network; Equipped with the application terminal has the operation unit and the display unit, The application support device includes the display screen storage unit, the lease fee calculation unit, the contract information storage unit, and the cancellation fee information acquisition unit.

3. The lease contract application system according to claim 1 or 2.

9. The cancellation fee information acquisition unit, a judgment result notifying unit that notifies the application terminal of a result of the inquiry about the cancellation fee; 9. The lease contract application system of claim 8.

10. The application support device includes: Further includes an examination result notification unit that notifies the application terminal of an examination result for the application for replacement, 9. The lease contract application system of claim 8.

11. An application terminal owned by a dealer of the leased property; A customer terminal owned by a customer; an application support device communicably connected to the application terminal via a network; Equipped with The application terminal and the customer terminal each have the operation unit and the display unit, the application support device includes the display screen storage unit, the lease fee calculation unit, the contract information storage unit, and the cancellation fee information acquisition unit, the cancellation fee inquiry request information input screen is configured to be accessible from the customer terminal, and accepts input of the cancellation fee inquiry request information and the consent confirmation information for the inquiry on the cancellation fee from the customer terminal; 5. The lease contract application system according to claim 4.

12. An application terminal owned by a dealer of the leased property; A customer terminal owned by a customer; an application support device communicably connected to the application terminal via a network; Equipped with The application terminal and the customer terminal each have the operation unit and the display unit, the application support device includes the display screen storage unit, the lease fee calculation unit, the contract information storage unit, and the cancellation fee information acquisition unit, the applicant information input screen is configured to be accessible from the customer terminal, and accepts input of the applicant information from the customer terminal; the contract content agreement screen is configured to be accessible from the customer terminal, and accepts input of the agreement confirmation information for the lease contract from the customer terminal; 6. The lease contract application system according to claim 5.

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