Rent Debt Management Device, Rent Debt Management Method, and Rent Debt Management Program

Abstract

To provide a house rent debt management device, a house rent debt management method, and a house rent debt management program allowing a system to automatically generate compensation data of delinquent rent to subrogation and a contractor for rent guaranteed by a house rent debt guarantee company to an agency in a case of account withdrawal failure.SOLUTION: A house rent debt management device 100 includes: a contract database 106a which stores contract data; a withdrawal request database 106g which stores withdrawal request detail data; a subrogation creation part 102c, which creates tenant's subrogation data based on the contract data and the withdrawal request detail data when the withdrawal request for house rent debt is failed; a payment request creation part 102d which creates payment request data to a payee; and a collection schedule creation part 102e which creates collection schedule data to a billing destination.SELECTED DRAWING: Figure 4

Description

[Technical Field]

[0001] The present invention relates to a rent debt management device, a rent debt management method, and a rent debt management program. [Background technology]

[0002] Patent document 1 discloses a configuration for collecting rent from rental real estate properties, which automatically selects between telephone reminders and email reminders while looking at collection status, performance information, etc., and performs automated reminder processing. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2007-041809 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the invention described in Patent Document 1 above had a problem in that, in the case of rent collection work, if the rent became uncollectible, the system could not automatically create subrogation payment data and reimbursement data for the contract holder in the work.

[0005] The present invention has been made in consideration of the above problems, and aims to provide a rent debt management device, a rent debt management method, and a rent debt management program that automatically executes a system to make a subrogation payment for the rent guaranteed by the rent guarantee company to the agent when account withdrawals become impossible, and to create data for claiming rent arrears from the contract holder. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the object, the rent debt management device of the present invention is a rent debt management device equipped with a memory unit and a control unit, wherein the memory unit comprises a contract memory means for storing contract data linked to the guarantee number of the rent debt guarantee, the management company, the product, and the contractor, a product master set linking the product, the subrogation request closing date, and the subrogation payment date, and a debit request memory means for storing debit request detail data linked to the debit date, the guarantee number, the debit request amount, and the debit result, and the control unit comprises a subrogation payment creation means for creating subrogation payment data for the tenant if a debit request for the rent debt is not possible based on the contract data and the debit request detail data, a payment request creation means for creating payment request data to the payee based on the contract data, the product master, and the debit request detail data, and a collection schedule creation means for creating collection schedule data to the billing recipient based on the contract data and the debit request detail data.

[0007] In addition, in the rent debt management device of the present invention, the subrogation payment creation means is characterized in that, if the deduction request for the rent debt is impossible based on the contract data and the deduction request detail data, it sets the deduction date as the reporting date, sets the contract holder as the tenant, sets the deduction request amount as the reporting amount, and creates the subrogation payment data in which the guarantee number and the management company are set.

[0008] In addition, in the rent debt management device of the present invention, the payment request creation means sets the subrogation payment date linked to the subrogation payment request closing date immediately after the deduction date as the payment date based on the contract data, the product master, and the deduction request detail data, sets the management company as the payee, sets the deduction request amount as the payment amount, and creates the payment request data in which the guarantee number is set.

[0009] In addition, in the rent debt management device of the present invention, the collection schedule creation means sets the year and month of the subrogation payment date linked to the subrogation payment request closing date immediately after the deduction date as the billing year and month based on the contract data and the deduction request detail data, sets the contract holder as the billing recipient, sets the deduction request amount as the billing amount, and creates the collection schedule data in which the guarantee number is set.

[0010] In addition, in the rent debt management device of the present invention, the contract data is further set with a linked billing amount, and the control unit is further equipped with a debit request creation means that sets the billing amount as the debit request amount based on the contract data, creates the debit request detail data with the debit date and the guarantee number set, and stores the debit request detail data in the debit request storage means.

[0011] In addition, in the rent debt management device of the present invention, the product master is further set with a linked limit on the number of account transfers, and the debit request creation means, based on the contract data and the product master, tallys up the number of times the debit result set in the debit request detail data stored in the debit request storage means for each guarantee number is unsuccessful, and if the number does not exceed the account transfer limit, sets the invoice amount as the debit request amount, creates the debit request detail data with the debit date and the guarantee number set, and stores the debit request detail data in the debit request storage means.

[0012] In addition, in the rent debt management device of the present invention, the control unit is further characterized by having a debit result acquisition means that, when a debit result for the debit request is received, sets the debit result in the debit request detail data stored in the debit request storage means.

[0013] In addition, in the rent debt management device of the present invention, the product master is further set to be linked with whether or not automatic delinquency registration has been made, and the subrogation payment creation means creates the subrogation payment data for the tenant based on the contract data and the debit request detail data if the automatic delinquency registration has been made or not as set in the product master and the debit request for the rent debt is not possible.

[0014] In addition, the rent debt management method of the present invention is a rent debt management method to be executed by a rent debt management device equipped with a memory unit and a control unit, wherein the memory unit comprises a contract memory means for storing contract data linking the guarantee number of the rent debt guarantee, the management company, the product, and the contractor, a product master set linking the product, the subrogation request closing date, and the subrogation payment date, and a debit request memory means for storing debit request detail data linking the debit date, the guarantee number, the debit request amount, and the debit result, and is executed by the control unit, and is characterized by including: a subrogation payment creation step for creating subrogation payment data for the tenant based on the contract data and the debit request detail data if a debit request for the rent debt is impossible; a payment request creation step for creating payment request data to the payee based on the contract data, the product master, and the debit request detail data; and a collection schedule creation step for creating collection schedule data to the billing destination based on the contract data and the debit request detail data.

[0015] In addition, the rent debt management program of the present invention is a rent debt management program to be executed by a rent debt management device having a memory unit and a control unit, wherein the memory unit comprises a contract memory means for storing contract data linking the guarantee number of the rent debt guarantee, the management company, the product, and the contractor, a product master set linking the product, the subrogation request closing date, and the subrogation payment date, and a debit request memory means for storing debit request detail data linking the debit date, the guarantee number, the debit request amount, and the debit result, and the control unit executes the following: a subrogation payment creation step for creating subrogation payment data for the tenant if a debit request for the rent debt is not possible based on the contract data and the debit request detail data; a payment request creation step for creating payment request data to the payee based on the contract data, the product master, and the debit request detail data; and a collection schedule creation step for creating collection schedule data to the billing destination based on the contract data and the debit request detail data. [Effects of the Invention]

[0016] According to the present invention, although the account transfer service and the subrogation service are different operations, in reality, procedures are carried out continuously from the account transfer result. Since the rent guarantee industry handles hundreds of thousands of guarantee contracts, the efficiency of operations related to guarantee fulfillment can be improved, leading to an increase in the number of contracts handled. Furthermore, according to the present invention, subrogation payment is made and billing data is created for the contract holder based on a delinquent payment request report from the agency. When it is determined that the account transfer is impossible, payment to the agency and reimbursement procedures are automated to the contract holder. This enables the speed and efficiency of guarantee fulfillment and reimbursement, thereby enabling the efficiency of delinquency registration operations at guarantee companies that handle collection agency-type products. Furthermore, according to the present invention, subrogation payment, payment requests, and collection schedules can be created for details for which deductions are impossible during the deduction result import process, thereby enabling linkage with various operations. Furthermore, according to the present invention, when an account transfer is impossible, subrogation payment data and reimbursement data for the contract holder can be automatically created. Furthermore, the present invention has the effect of automatically creating subrogation and reimbursement data based on the result of transfer being impossible. [Brief explanation of the drawings]

[0017] [Figure 1] FIG. 1 is a diagram showing an example of a conventional rent debt management process. [Figure 2] FIG. 2 is a diagram showing an example of a conventional rent debt management process. [Figure 3] FIG. 3 is a diagram showing an example of a conventional rent debt management process. [Figure 4] FIG. 4 is a block diagram showing an example of the configuration of the rent debt management device according to this embodiment. [Figure 5] FIG. 5 is a diagram showing an example of a data structure in this embodiment. [Figure 6] FIG. 6 is a flowchart showing an example of the processing of the rent debt management device in this embodiment. [Figure 7] FIG. 7 is a diagram showing an example of the rent debt management process in this embodiment. [Figure 8] FIG. 8 is a diagram showing an example of the rent debt management process in this embodiment. [Figure 9] FIG. 9 is a diagram showing an example of the rent debt management process in this embodiment. [Figure 10] FIG. 10 is a diagram showing an example of the rent debt management process in this embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0018] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to this embodiment.

[0019] [1. Overview] First, an overview of the present invention will be described with reference to Figures 1 to 3. Figures 1 to 3 are diagrams showing an example of conventional rent debt management processing.

[0020] Traditionally, in the case of collection agency products for rent debt guarantee services, rent was mainly billed to the contract holder (tenant) via direct debit, and data was entered based on the agency's request for delinquent payments (on the front web or by fax, etc.), and after the subrogation payment was made, billing data for the contract holder was created.

[0021] An example of a conventional rent debt management process will now be described with reference to Figures 1 to 3. Figures 1 to 3 are diagrams showing an example of a conventional rent debt management process.

[0022] As shown in Figure 1, in the past, the current month's debit request data creation process was carried out, a debit request file was created, and the created file was sent to the trading partner (for example, a factor company). Here, in the past, the account transfer limit number for each product set in the product master was taken into consideration, and the number of past debit detail data that were unable to be transferred was counted for each guarantee number, and debit request data that did not exceed the account transfer limit number set in the product master was created. In addition, the conventional logic for determining whether to create debit request data is as follows: (1) the product master is referenced from the guarantee number, and the limit on the number of times an account can be transferred is obtained (e.g., 2 times for product code (4000)); (2) past debit request data is referenced, and the number of unsuccessful transfers is counted for each guarantee number (e.g., 3 times for guarantee number (0000000004)); and (3) debit request data is created only if (1) >= (2), guarantee number (0000000004) is not considered for creating debit request data, and other guarantee numbers are considered for creating debit request data.

[0023] As shown in Figure 2, conventionally, the withdrawal result file received from the trading partner (factor company, etc.) is imported and the import result is confirmed.

[0024] Then, as shown in Figure 3, in the past, a delinquency report (report date: 2022 / 04 / 27, guarantee number: 0000000003, management company: Agency A, lessee: Yamada Jiro, reported amount: 120,000 yen) would be received from the agency. Then, as shown in Figure 3, in the past, subrogation payment data, payment request data, and collection schedule data would be registered in the system. Then, as shown in Figure 3, in the past, the contents of the report and payment details would be confirmed and the payment process would be carried out.

[0025] Therefore, in this embodiment, a system is provided that realizes early and efficient performance of guarantees and claims for reimbursement by systematizing the work of initiating payment to the agent and claiming reimbursement from the contractor as soon as it becomes clear that account transfer is impossible, regardless of whether it is actually requested by the agent. In other words, in this embodiment, when account transfer becomes impossible, based on a delinquency report from the agent, the rent guarantee company makes a subrogation payment for the rent that it has guaranteed to the agent, and claims reimbursement from the contractor for the delinquent rent, and the system automatically creates data for the subrogation payment and claim for reimbursement from the contractor.

[0026] [2. Configuration] An example of the configuration of the rent debt management device 100 according to this embodiment will be described with reference to Fig. 4 and Fig. 5. Fig. 4 is a block diagram showing an example of the configuration of the rent debt management device 100 according to this embodiment. Fig. 5 is a diagram showing an example of the data configuration according to this embodiment.

[0027] 4, the rent debt management device 100 is a commercially available desktop personal computer. Note that the rent debt management device 100 is not limited to a stationary information processing device such as a desktop personal computer, and may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

[0028] The rent debt management device 100 comprises a control unit 102, a communication interface unit 104, a memory unit 106, and an input / output interface unit 108. The units comprised in the rent debt management device 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0029] The communication interface unit 104 communicably connects the rent debt management apparatus 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via the communication line. Here, the network 300 has a function of connecting the rent debt management apparatus 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

[0030] An input device 112 and an output device 114 are connected to the input / output interface unit 108. The output device 114 may be a monitor (including a touch panel), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that cooperates with a mouse to achieve a pointing device function. In the following, the output device 114 may be referred to as the monitor 114 or the printer 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0031] The memory unit 106 stores various databases, tables, files, etc. The memory unit 106 stores computer programs that cooperate with the OS (Operating System) to issue commands to the CPU (Central Processing Unit) to perform various processes. The memory unit 106 can be, for example, a memory device such as RAM (Random Access Memory) or ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, or an optical disk. The memory unit 106 includes a contract database 106a, a product master 106b, a property master 106c, a management company master 106d, a lessor master 106e, a contractor master 106f, and a withdrawal request database 106g.

[0032] The contract database 106a stores real estate rental contract data. Here, the contract database 106a may store contract data that is set by linking the guarantee number of the rent debt guarantee, the management company, the product, and the contractor. The contract data may also be set by linking the amount to be claimed.

[0033] Here, as shown in FIG. 5, the contract database 106a in this embodiment may contain a guarantee number, management company code, lessor code, product code, property code, room number, contract holder code, contract start date, and billing amount.

[0034] Returning to FIG. 4, the product master 106b is a master that sets real estate rental products. Here, the product master 106b may be set in such a way that the product, the subrogation payment request closing date, and the subrogation payment date are linked together. The product master may also be set in such a way that the account transfer limit number is linked together. The product master may also be set in such a way that the presence or absence of automatic delinquency registration is linked together.

[0035] Here, as shown in Figure 5, the product master 106b in this embodiment may be set with the product code, product name, agency method, whether or not to automatically register delinquent payments, the deadline for requesting subrogation, the date of subrogation payment, and the maximum number of account transfers.

[0036] Returning to FIG. 4, the property master 106c is a master in which real estate properties are set.

[0037] As shown in FIG. 5, the property master 106c in this embodiment may include a property code and a property name.

[0038] Returning to FIG. 4, the management company master 106d is a master that sets the management company for real estate rental.

[0039] As shown in FIG. 5, the management company master 106d in this embodiment may include a management company code and a management company name.

[0040] Returning to FIG. 4, the lessor master 106e is a master that sets the lessor of the real estate property.

[0041] As shown in FIG. 5, the lessor master 106e in this embodiment may contain a lessor code and a management company name.

[0042] Returning to FIG. 4, the contractor master 106f is a master that sets contractors (tenants) of real estate rentals.

[0043] As shown in FIG. 5, the contractor master 106f in this embodiment may include a contractor code and a contractor name.

[0044] 4, the debit request database 106g stores debit request detail data for real estate rentals. Here, the debit request database 106g may store debit request detail data that is linked to the debit date, guarantee number, debit request amount, and debit result.

[0045] The control unit 102 is a CPU or the like that comprehensively controls the rent debt management device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs. Functionally, the control unit 102 conceptually comprises a deduction request creation unit 102a, a deduction result acquisition unit 102b, a subrogation payment creation unit 102c, a payment request creation unit 102d, and a collection schedule creation unit 102e.

[0046] The debit request preparation unit 102a creates debit request detail data and stores the debit request detail data in the debit request database 106g. Here, the debit request preparation unit 102a may set the billing amount as the debit request amount based on the contract data, create debit request detail data in which the debit date and guarantee number are set, and store the debit request detail data in the debit request database 106g. Alternatively, the debit request preparation unit 102a may tally the number of times the debit results set in the debit request detail data stored in the debit request database 106g are unsuccessful for each guarantee number based on the contract data and the product master 106b, and if the number does not exceed the account transfer limit, set the billing amount as the debit request amount, create debit request detail data in which the debit date and the guarantee number are set, and store the debit request detail data in the debit request database 106g.

[0047] The debit result acquisition unit 102b sets the debit result in the debit request detail data stored in the debit request database 106g. Here, when the debit result acquisition unit 102b receives a debit result for a debit request, it may set the debit result in the debit request detail data stored in the debit request database 106g.

[0048] The subrogation payment preparation unit 102c prepares subrogation payment data for the lessee. Here, the subrogation payment preparation unit 102c may prepare subrogation payment data for the lessee if a deduction request for the rent debt is not possible based on the contract data and the debit request detail data. Furthermore, the subrogation payment preparation unit 102c may prepare subrogation payment data that sets the deduction date as the report date, sets the contract holder as the lessee, sets the requested deduction amount as the report amount, and sets the guarantee number and management company. Furthermore, the subrogation payment preparation unit 102c may prepare subrogation payment data for the lessee based on the contract data and the debit request detail data if the automatic delinquency registration setting in the product master 106b is enabled and a deduction request for the rent debt is not possible based on the contract data and the debit request detail data.

[0049] The payment request creation unit 102d creates payment request data for the payee. Here, the payment request creation unit 102d may create the payment request data for the payee based on the contract data, the product master 106b, and the debit request detail data. Furthermore, the payment request creation unit 102d may create payment request data based on the contract data, the product master 106b, and the debit request detail data, in which the subrogation payment date linked to the subrogation payment request closing date immediately following the debit date is set as the payment date, the management company is set as the payee, the debit request amount is set as the payment amount, and a guarantee number is set.

[0050] The collection schedule creation unit 102e creates collection schedule data for the billing destination. Here, the collection schedule creation unit 102e may create the collection schedule data for the billing destination based on the contract data and the debit request detail data. Furthermore, the collection schedule creation unit 102e may create collection schedule data based on the contract data and the debit request detail data, by setting the year and month of the subrogation payment date linked to the subrogation payment request closing date immediately after the debit date as the billing year and month, setting the contractor as the billing destination, setting the debit request amount as the billing amount, and setting a guarantee number.

[0051] [3. Specific Examples] A specific example of this embodiment will be described with reference to FIGS.

[0052] [Rent Debt Management Processing] An example of the rent debt management process in this embodiment will now be described with reference to Fig. 6. Fig. 6 is a flowchart showing an example of the process of the rent debt management apparatus 100 in this embodiment.

[0053] As shown in Figure 6, the debit request creation unit 102a, based on the contract data stored in the contract database 106a and the product master 106b, tallies the number of times the debit result set in the debit request detail data stored in the debit request database 106g for each guarantee number is not possible, and if the number does not exceed the account transfer limit, sets the invoice amount as the debit request amount, creates debit request detail data with the debit date and the guarantee number set, and stores the debit request detail data in the debit request database 106g (step SA-1).

[0054] When the debit result acquisition unit 102b receives the debit result for the debit request, it sets the debit result in the debit request detail data stored in the debit request database 106g (step SA-2).

[0055] Then, the subrogation payment preparation unit 102c determines whether or not automatic delinquency registration is enabled in the product master 106b (step SA-3).

[0056] If the subrogation payment preparation unit 102c determines that the automatic delinquency registration setting in the product master 106b is not enabled (disabled) (step SA-3: No), the process ends.

[0057] On the other hand, if the subrogation payment preparation unit 102c determines that the automatic delinquency registration setting in the product master 106b is enabled (step SA-3: Yes), it shifts the process to step SA-4.

[0058] Then, the subrogation payment preparation unit 102c determines whether the deduction request for the rent debt set in the deduction request detail data is non-debitable or not (step SA-4).

[0059] Then, if the subrogation payment preparation unit 102c determines that the withdrawal request for the rent debt set in the withdrawal request detail data is not impossible to withdraw (is a normal withdrawal) (step SA-4: No), it terminates the processing.

[0060] On the other hand, if the subrogation payment preparation unit 102c determines that the withdrawal request for the rent debt set in the withdrawal request detail data is not debitable (step SA-4: Yes), it transitions the processing to step SA-5.

[0061] Then, based on the contract data stored in the contract database 106a and the debit request detail data, the subrogation payment preparation unit 102c sets the debit date as the report date, sets the contract holder as the lessee, sets the debit request amount as the report amount, and creates subrogation payment data that sets the guarantee number and management company (step SA-5).

[0062] Then, based on the contract data, product master 106b, and debit request detail data, the payment request creation unit 102d sets the subrogation payment date linked to the subrogation payment request closing date immediately after the debit date as the payment date, sets the management company as the payee, sets the debit request amount as the payment amount, and creates payment request data with a guarantee number set (step SA-6).

[0063] Then, based on the contract data stored in the contract database 106a and the debit request detail data, the collection schedule creation unit 102e sets the year and month of the subrogation payment date linked to the subrogation payment request closing date immediately after the debit date as the billing year and month, sets the contract holder as the billing recipient, sets the debit request amount as the billing amount, creates collection schedule data with a guarantee number set (step SA-7), and terminates the processing.

[0064] An example of the rent debt management process in this embodiment will now be described with reference to Fig. 7 to Fig. 10. Fig. 7 to Fig. 10 are diagrams showing an example of the rent debt management process in this embodiment.

[0065] As shown in Figure 7, in this embodiment, a process for creating debit request data for the current month is carried out, a debit request file is created, and the created file is sent to a trading partner (for example, a factor company, etc.). Here, in this embodiment, the limit on the number of account transfers for each product set in the product master 106b is taken into consideration, the number of past debit detail data for which transfers were not possible is counted on a guarantee number basis, and debit request data that does not exceed the limit on the number of account transfers set in the product master 106b is created. In this embodiment, the logic for determining whether to create debit request data is as follows: (1) the product master 106b is referenced from the guarantee number, and the limit on the number of account transfers is obtained (e.g., 2 times for product code (4000)); (2) past debit request data is referenced, and the number of unsuccessful transfers is counted for each guarantee number (e.g., 3 times for guarantee number (0000000004)); and (3) debit request data is created only if (1) >= (2), guarantee number (0000000004) is not considered for creating debit request data, and other guarantee numbers are considered for creating debit request data.

[0066] Then, as shown in FIG. 8, in this embodiment, the withdrawal result file received from the trading partner (factor company, etc.) is imported, and the import result is confirmed.

[0067] As shown in FIG. 9, in this embodiment, subrogation data, payment request data, and collection schedule data are automatically created based on the debit request detail data that became unavailable for transfer and the master settings. As shown in FIG. 9(1), in this embodiment, whether or not subrogation data is created depends on the setting for whether or not automatic delinquency registration is enabled in the product master 106b. The subrogation data is created with the debit date in the debit request detail data as the report date. As shown in FIG. 9(2), in this embodiment, whether or not payment request data is created depends on the setting for whether or not automatic delinquency registration is enabled in the product master 106b. The payment date is calculated from the debit date in the debit request detail data, the subrogation payment request closing date in the product master 106b, and the subrogation payment date in the product master 106b, and the payment request data is created. In this embodiment, since the closing date is the 31st, the payment date is set to the 15th of the following month. Also, as shown in Figure 9(3), in this embodiment, whether collection schedule data is created or not is determined in accordance with the setting of whether or not automatic delinquent registration is enabled in the product master 106b, and the billing year and month is set to the month following the deduction date in the deduction request data, and the customer in the deduction request data is set as the billing recipient.

[0068] 10, in this embodiment, the delinquency report is received from the agent and the payment process is carried out. Note that in this embodiment, the delinquency data and payment data already exist in the system, so only the contents need to be confirmed.

[0069] [4. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of SDGs Goals 8 and 9.

[0070] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0071] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0072] 5. Other Embodiments The present invention may be implemented in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0073] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using known methods.

[0074] Furthermore, the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed as desired unless otherwise specified.

[0075] Furthermore, with regard to the rent debt management device 100, the components shown in the figures are functional concepts, and do not necessarily have to be physically configured as shown in the figures.

[0076] For example, all or any part of the processing functions of the rent debt management apparatus 100, particularly the processing functions performed by the control unit 102, may be implemented by a CPU and a program interpreted and executed by the CPU, or may be implemented as hardware using wired logic. The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing an information processing device to execute the processes described in this embodiment, and is mechanically read by the rent debt management apparatus 100 as needed. That is, a computer program for providing instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM and cooperates with the CPU to form the control unit.

[0077] In addition, this computer program may be stored in an application program server connected to the rent debt management device 100 via any network, and all or part of it may be downloaded as needed.

[0078] Furthermore, the program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium or configured as a program product. Here, the term "recording medium" includes any "portable physical medium" such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) disc.

[0079] Furthermore, a "program" is a data processing method written in any language or description method, and does not matter whether it is in the form of source code or binary code. Note that a "program" is not necessarily limited to a single structure, but also includes a structure that is distributed as multiple modules or libraries, or a structure that achieves its function by cooperating with a separate program, such as an OS. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in this embodiment, as well as the installation procedure after reading, can use well-known configurations and procedures.

[0080] The various databases stored in the memory unit 106 are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and providing websites.

[0081] The rent debt management device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The rent debt management device 100 may also be realized by installing software (including programs or data) that causes the device to perform the processing described in this embodiment.

[0082] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be configured by functionally or physically distributing and integrating them in any unit depending on various additions or functional loads. In other words, the above-described embodiments can be implemented in any combination, or embodiments can be implemented selectively. [Industrial Applicability]

[0083] The present invention is useful in the real estate industry, which provides rent guarantees and the like. [Explanation of symbols]

[0084] 100 Rent Debt Management Device 102 Control section 102a Withdrawal Request Creation Department 102b Withdrawal result import unit 102c Subrogation Preparation Department 102d Payment Request Creation Department 102e Collection Schedule Creation Department 104 Communication interface unit 106 Storage section 106a Contract Database 106b Product Master 106c Property Master 106d Management company master 106e Renter Master 106f Contractor Master 106g Withdrawal request database 108 Input / Output Interface Section 112 Input Device 114 Output Device 200 servers 300 Network

Claims

1. A rent debt management device comprising a memory unit and a control unit, The storage unit a contract storage means for storing contract data that is set by linking the guarantee number of the rent debt guarantee, the real estate rental management company, the product, and the tenant; A product master that links the product, the subrogation request closing date, and the subrogation payment date, and is set; a debit request storage means for storing debit request detail data that is set by linking the debit date, the guarantee number, the debit request amount, and the debit result; Equipped with The control unit a subrogation payment preparation means for preparing subrogation payment data for the rent debt by a rent debt guarantee company when a request for debit of the rent debt of the tenant is impossible based on the contract data and the debit request detail data; a payment request creation means for creating payment request data from the rent guarantee company to the real estate rental management company based on the contract data, the product master, and the debit request detail data; a collection schedule creating means for creating collection schedule data for the rent guarantee company to collect from the tenant based on the contract data and the withdrawal request detail data; A rent debt management device comprising:

2. The subrogation payment making means is A rent debt management device as described in claim 1, characterized in that if the rent debt withdrawal request of the tenant is not possible based on the contract data and the withdrawal request detail data, the withdrawal date is set as the reporting date, the withdrawal request amount is set as the reporting amount, and the subrogation payment data is created in which the guarantee number and the real estate rental management company are set.

3. The payment request creation means A rent debt management device as described in claim 1, characterized in that, based on the contract data, the product master, and the debit request detail data, the subrogation payment date linked to the subrogation payment request closing date immediately after the debit date is set as the payment date, the debit request amount is set as the payment amount, and the payment request data with the guarantee number set is created.

4. The collection schedule creation means The rent debt management device described in claim 1, characterized in that based on the contract data and the debit request detail data, the year and month of the subrogation payment date linked to the subrogation payment request closing date immediately after the debit date is set as the billing year and month, the debit request amount is set as the billing amount, and the collection schedule data with the guarantee number set is created.

5. The contract data is Furthermore, the billing amount is linked and set, The control unit a debit request creating means for setting the billing amount as the debit request amount based on the contract data, creating the debit request detail data in which the debit date and the guarantee number are set, and storing the debit request detail data in the debit request storage means; The rent debt management device according to claim 1, further comprising:

6. The product master data includes: Furthermore, the limit on the number of times you can transfer funds is set. The withdrawal request creation means The rent debt management device described in claim 5, characterized in that based on the contract data and the product master, the number of times the debit result set in the debit request detail data stored in the debit request storage means for each guarantee number is unsuccessful is tallied, and if the number does not exceed the account transfer limit, the invoice amount is set as the debit request amount, and the debit request detail data is created with the debit date and the guarantee number set, and the debit request detail data is stored in the debit request storage means.

7. The control unit a debit result acquisition means for, when receiving a debit result for the debit request, setting the debit result in the debit request detail data stored in the debit request storage means; 7. The rent debt management device according to claim 5 or 6, further comprising:

8. The product master data includes: Furthermore, automatic delinquency registration is linked and set. The subrogation payment making means is A rent debt management device as described in claim 1, characterized in that if the automatic delinquency registration setting in the product master is enabled based on the contract data and the debit request detail data, and the debit request for the tenant's rent debt is disabled, the rent debt guarantee company creates the subrogation payment data for the rent debt.

9. A rent debt management method to be executed by a rent debt management device having a memory unit and a control unit, The storage unit a contract storage means for storing contract data that is set by linking the guarantee number of the rent debt guarantee, the real estate rental management company, the product, and the tenant; A product master that links the product, the subrogation request closing date, and the subrogation payment date, and is set; a debit request storage means for storing debit request detail data that is set by linking the debit date, the guarantee number, the debit request amount, and the debit result; Equipped with The control unit executes a subrogation payment preparation step for preparing subrogation payment data for the rent debt by the rent debt guarantee company when a request for debit of the rent debt of the tenant is impossible based on the contract data and the debit request detail data; a payment request creation step of creating payment request data from the rent guarantee company to the real estate rental management company based on the contract data, the product master, and the debit request detail data; a collection schedule creation step of creating collection schedule data for the rent guarantee company to collect from the tenant based on the contract data and the debit request detail data; A rent debt management method comprising:

10. A rent debt management program to be executed by a rent debt management device having a memory unit and a control unit, The storage unit a contract storage means for storing contract data that is set by linking the guarantee number of the rent debt guarantee, the real estate rental management company, the product, and the tenant; A product master that links the product, the subrogation request closing date, and the subrogation payment date, and is set; a debit request storage means for storing debit request detail data that is set by linking the debit date, the guarantee number, the debit request amount, and the debit result; Equipped with In the control unit, a subrogation payment preparation step for preparing subrogation payment data for the rent debt by the rent debt guarantee company when a request for debit of the rent debt of the tenant is impossible based on the contract data and the debit request detail data; a payment request creation step of creating payment request data from the rent guarantee company to the real estate rental management company based on the contract data, the product master, and the debit request detail data; a collection schedule creation step of creating collection schedule data for the rent guarantee company to collect from the tenant based on the contract data and the debit request detail data; Rent Debt Management Program to implement.

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