System and method for monthly rent fee safety payment based on lease contract verification

Abstract

According to one embodiment of the present disclosure, a computer program stored on a computer-readable storage medium is disclosed. The computer program performs the following methods for rent payment, wherein the method may include: a step of recognizing a lease agreement uploaded by at least one of the parties involved in the lease agreement and extracting essential items for rent payment; a step of performing verification of the essential items for rent payment and requesting the parties to supplement upload if there is an omission or recognition error; a step of registering two or more payment methods in order of priority as rent payment methods for the tenant when the verification of the essential items for rent payment is completed; a step of attempting rent payment through a first priority payment method on a preset rent payment date and, if payment failure occurs, retrying rent payment through a second priority payment method; and a step of storing payment details in a lease database and paying the monthly rent received from the tenant to the landlord when rent payment is successful.

Description

Technology Field

[0001] The present invention relates to real estate leases, and more specifically, to a method for automating and simplifying the monthly rent payment and settlement procedures of a tenant and a landlord. Background Technology

[0003] Generally, tenants pay monthly rent by transferring it to an account designated by the landlord or by paying in cash on a fixed date each month. This payment method can lead to late payments if the tenant has insufficient funds or if errors occur during the transfer process. Furthermore, landlords must verify the deposit every month and provide separate receipts or deposit confirmations to prove the tenant's payment.

[0004] When entering into a real estate lease agreement, essential items such as the landlord's name, tenant's name, monthly rent amount, lease period, and signature field must be accurately recorded. However, paper contracts are prone to omissions and typographical errors, and failure to recognize these in advance creates the potential for future disputes. For instance, if the monthly rent amount is partially missing from the contract or a signature is omitted, the tenant may face breach of contract or disputes regarding the amount.

[0005] During the contract signing process, tenants bear the burden of personally verifying details such as the certified copy of the land registry or the landlord's rental business registration status. However, since it is difficult for the average tenant to fully inspect the landlord's ownership and registration details, lease transactions are frequently not guaranteed to be secure. Consequently, there is a growing need for technology that can systematize at least minimal formal verification to enable a simple inspection of lease agreements.

[0006] The fragmented management of monthly rent payment records also causes problems. Tenants must collect proof of rent payments for the annual year-end tax settlement, while landlords must verify monthly deposit records to report rental income. When payment methods are mixed, such as cash and bank transfers, securing proof becomes cumbersome, and the tax filing process is time-consuming. This inconvenience places a burden on both tenants and landlords.

[0007] Ultimately, there is a demand in the industry for technology to resolve the risk of arrears during the monthly rent payment process, the difficulty of verifying lease agreements, and the tax and accounting inconveniences caused by fragmented payment histories.

[0008] Prior Art Document: Korean Registered Patent No. 10-2684135 The problem to be solved

[0009] The present disclosure is conceived based on the aforementioned background technology and is intended to resolve various problems arising during the process of drafting lease agreements and paying rent, thereby preventing the risk of rent arrears and providing convenience to landlords and tenants by managing rent payment history in a collective manner.

[0010] The present invention is intended to prevent delinquency by having a computer device recognize a lease agreement and inducing a lessee to register multiple payment methods, thereby prompting them to switch to another payment method in the event of a payment failure, and to eliminate the hassle of documentation and administrative processing by structuring and storing payment history in a lease database. means of solving the problem

[0011] According to one embodiment of the present disclosure for realizing the aforementioned objectives, a computer program stored on a computer-readable storage medium is disclosed. The computer program performs the following methods for rent payment, wherein the method may include: a step of recognizing a lease agreement uploaded by at least one of the parties involved in the lease agreement and extracting essential items for rent payment; a step of performing verification of the essential items for rent payment and requesting the parties involved to upload supplementary items if there are omissions or recognition errors; a step of registering two or more payment methods in order of priority as rent payment methods for the tenant when the verification of the essential items for rent payment is completed; a step of attempting rent payment through a first priority payment method on a preset rent payment date and, if payment failure occurs, retrying rent payment through a second priority payment method; and a step of storing payment details in a lease database and paying the monthly rent received from the tenant to the landlord when rent payment is successful.

[0012] Alternatively, the step of attempting to pay the rent through a first-priority payment method on the aforementioned preset rent payment date and, if payment failure occurs, retrying to pay the rent through a second-priority payment method may include: a step of determining the cause of payment failure of the first-priority payment method as at least one of exceeding the limit, insufficient balance, and communication failure; and a step of transmitting an unpaid notification to a tenant terminal including at least one of the payment failure and the cause of payment failure.

[0013] Alternatively, it may further include a step of determining whether and when to perform the step of retrying rent payment through the second priority payment method based on the tenant terminal's response to the above unpaid notification.

[0014] Alternatively, the method may further include the step of enabling the lessor and lessee to view payment history stored in the lease database and generating a rent payment certificate upon the request of the lessor or lessee.

[0015] Alternatively, the above rent payment certificate may include the above tenant's rent payment certificate for year-end tax settlement or the above landlord's rental income declaration document.

[0016] Alternatively, the step of attempting to pay the rent through a first-priority payment method on the aforementioned preset rent payment date and, if payment fails, retrying to pay the rent through a second-priority payment method may include the step of calling a payment API linked with a payment agency for the rent payment to check whether payment is approved.

[0017] Alternatively, the step of performing verification of the essential items for rent payment and requesting supplementary uploads from the relevant parties in the event of omissions or recognition errors may include the step of recognizing the format of the lease agreement, extracting essential items for rent payment including the landlord's name, tenant's name, rent, lease period, leased property, and signature, and receiving verification results from a tenant terminal or a large language model.

[0018] Alternatively, the above payment history includes the lessor, lessee, rent, lease period, leased property, payment method, payment amount, payment date, and lessor business information, and the above lease database may provide the said lessee and the said lessor with the right to view different items.

[0019] Alternatively, the lease database may store each payment history as a single record based on the leased object, store version information for said record, and keep previous versions as separate records.

[0020] Alternatively, the method may further include the step of monitoring accident information related to a lease agreement and, upon receiving said accident information, identifying a record related to said accident information in said lease database and delivering an accident notification to a lessor terminal or lessee terminal related to said identified record.

[0021] Alternatively, the method may further include the steps of: receiving lease request information from a lessee terminal and transmitting the lease request information to a lessor terminal; and receiving request fulfillment information based on the lease request information from the lessor terminal or the lessee terminal and updating the lease database.

[0022] Alternatively, a method for rent payment performed on one or more processors of a computer device is disclosed. The method may include: a step of recognizing a lease agreement uploaded by at least one of the parties involved in the lease agreement and extracting essential items for rent payment; a step of performing verification of the essential items for rent payment and requesting the parties to upload supplementary items if there are omissions or recognition errors; a step of registering two or more payment methods in order of priority as rent payment methods for the tenant when the verification of the essential items for rent payment is completed; a step of attempting rent payment through a first priority payment method on a preset rent payment date and, if payment failure occurs, retrying rent payment through a second priority payment method; and a step of storing payment details in a lease database and paying the monthly rent received from the tenant to the landlord when rent payment is successful.

[0023] Alternatively, a computer device is disclosed. The computer device comprises one or more processors; and a memory for storing instructions executable on the one or more processors. The one or more processors recognize a lease agreement uploaded by at least one of the parties involved in the lease agreement, extract essential items for rent payment, perform verification of the essential items for rent payment, and if there is a missing item or a recognition error, request the party involved to upload a supplementary one. When the verification of the essential items for rent payment is completed, register two or more payment methods in order of priority as means of rent payment for the tenant, attempt to pay the rent through the first priority payment method on a preset rent payment date, and if payment fails, retry the rent payment through the second priority payment method. If the rent payment is successful, store the payment details in a lease database and pay the monthly rent received from the tenant to the landlord. Effects of the invention

[0024] The present disclosure is intended to resolve various problems arising during the process of drafting lease agreements and paying rent, thereby preventing the risk of rent arrears and providing convenience to landlords and tenants by managing rent payment history in bulk.

[0025] The present invention allows a computer device to recognize a lease agreement and induce a lessee to register multiple payment methods, thereby preventing delinquency by inducing the lessee to switch to another payment method in the event of a payment failure, and can eliminate the hassle of documentation and administrative processing by structuring and storing payment history in a lease database. Brief explanation of the drawing

[0026] FIG. 1 is a block diagram of a computer device for performing a rent payment method according to one embodiment of the present disclosure. FIG. 2 is an exemplary configuration diagram of a rent payment system according to one embodiment of the present disclosure. FIG. 3 is a flowchart of a rent payment method according to one embodiment of the present disclosure. FIG. 4 illustrates a brief and general schematic diagram of an exemplary computing environment in which embodiments of the present disclosure may be implemented. Specific details for implementing the invention

[0027] Various embodiments are now described with reference to the drawings. In this specification, various descriptions are provided to provide an understanding of the present disclosure. However, it is evident that these embodiments can be practiced without such specific descriptions.

[0028] As used herein, terms such as “component,” “module,” “system,” etc. refer to computer-related entities, hardware, firmware, software, combinations of software and hardware, or executions of software. For example, a component may be, but is not limited to, a procedure executed on a processor, a processor, an object, an execution thread, a program, and / or a computer. For example, both an application executed on a computer device and the computer device itself may be a component. One or more components may reside within a processor and / or an execution thread. A component may be localized within a single computer. A component may be distributed among two or more computers. Additionally, these components may be executed from various computer-readable media having various data structures stored therein. Components may communicate through local and / or remote processes, for example, according to signals having one or more data packets (e.g., data from a component interacting with another component in a local system or distributed system, and / or data transmitted through signals to other systems and networks such as the Internet).

[0029] Furthermore, the term "or" is intended to mean an implicit "or" rather than an exclusive "or." That is, unless otherwise specified or evident from the context, "X uses A or B" is intended to mean one of the natural implicit substitutions. In other words, if X uses A; if X uses B; or if X uses both A and B, "X uses A or B" may apply to any of these cases. Additionally, the term "and / or" as used herein should be understood to refer to and include all possible combinations of one or more of the enumerated related items.

[0030] Additionally, the terms “comprising” and / or “comprising” should be understood to mean that such features and / or components are present. However, the terms “comprising” and / or “comprising” should be understood not to exclude the presence or addition of one or more other features, components and / or groups thereof. Furthermore, unless otherwise specified or clearly evident from the context to indicate a singular form, the singular in this specification and claims should generally be interpreted to mean “one or more.”

[0031] And, the term “at least one of A or B” should be interpreted to mean “a case including only A,” “a case including only B,” or “a combination of A and B.”

[0032] Those skilled in the art should recognize that the various exemplary logical blocks, configurations, modules, circuits, means, logics, and algorithmic steps described in connection with the embodiments disclosed herein may be implemented in electronic hardware, computer software, or a combination of both. To clearly exemplify the interchangeability of hardware and software, various exemplary components, blocks, configurations, means, logics, modules, circuits, and steps have been generally described above in terms of their functionality. Whether such functionality is implemented in hardware or software depends on the specific application and design constraints imposed on the overall system. Skilled technicians may implement the described functionality in various ways for each specific application. However, such decisions regarding implementation should not be construed as going beyond the scope of this disclosure.

[0033] The description of the presented embodiments is provided to enable those skilled in the art to use or practice the present invention. Various modifications to these embodiments will be apparent to those skilled in the art. The general principles defined herein may be applied to other embodiments without departing from the scope of the present disclosure. Thus, the present invention is not limited to the embodiments presented herein. The present invention should be interpreted in the broadest possible scope consistent with the principles and novel features presented herein.

[0035] FIG. 1 is a block diagram of a computer device for performing a rent payment method according to one embodiment of the present disclosure. The configuration of the computer device (100) shown in FIG. 1 is merely a simplified example. In one embodiment of the present disclosure, the computer device (100) may include other configurations for performing a computer environment, and only some of the disclosed configurations may constitute the computer device (100).

[0036] A computer device (100) may include a processor (110), memory (130), and a network unit (150). The processor (110) may be composed of one or more cores and may include a processor for data analysis and deep learning, such as a central processing unit (CPU), a general purpose graphics processing unit (GPGPU), or a tensor processing unit (TPU) of the computer device. The processor (110) may read a computer program stored in memory (130) and perform data processing for machine learning according to one embodiment of the present disclosure. According to one embodiment of the present disclosure, the processor (110) may perform calculations for learning a neural network. The processor (110) may perform calculations for learning a neural network, such as processing input data for learning in deep learning (DL), extracting features from input data, calculating errors, and updating the weights of the neural network using backpropagation. At least one of the CPU, GPGPU, and TPU of the processor (110) can process the learning of a network function. For example, the CPU and GPGPU can together process the learning of a network function and data classification using the network function. In addition, in one embodiment of the present disclosure, processors of a plurality of computer devices can be used together to process the learning of a network function and data classification using the network function. In addition, a computer program executed in a computer device according to one embodiment of the present disclosure may be a CPU, GPGPU, or TPU executable program.

[0037] According to one embodiment of the present disclosure, the memory (130) can store any form of information generated or determined by the processor (110) and any form of information received by the network unit (150).

[0038] According to one embodiment of the present disclosure, the memory (130) may include at least one type of storage medium among a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (e.g., SD or XD memory), RAM (Random Access Memory), SRAM (Static Random Access Memory), ROM (Read-Only Memory), EEPROM (Electrically Erasable Programmable Read-Only Memory), PROM (Programmable Read-Only Memory), magnetic memory, a magnetic disk, and an optical disk. The computer device (100) may operate in conjunction with web storage that performs the storage function of the memory (130) on the internet. The description of the memory described above is merely an example and the present disclosure is not limited thereto.

[0039] A network unit (150) according to one embodiment of the present disclosure can use various wired communication systems such as a public switched telephone network (PSTN), xDSL (x Digital Subscriber Line), RADSL (Rate Adaptive DSL), MDSL (Multi Rate DSL), VDSL (Very High Speed ​​DSL), UADSL (Universal Asymmetric DSL), HDSL (High Bit Rate DSL), and a local area network (LAN).

[0040] In addition, the network unit (150) presented in this specification may use various wireless communication systems such as CDMA (Code Division Multi Access), TDMA (Time Division Multi Access), FDMA (Frequency Division Multi Access), OFDMA (Orthogonal Frequency Division Multi Access), SC-FDMA (Single Carrier-FDMA), and other systems.

[0041] In the present disclosure, the network unit (150) can be configured regardless of the communication mode, such as wired and wireless, and can be configured as various communication networks, such as a Personal Area Network (PAN) or a Wide Area Network (WAN). In addition, the network may be a known World Wide Web (WWW) and may utilize wireless transmission technology used for short-range communication, such as Infrared Data Association (IrDA) or Bluetooth.

[0042] Through the network unit (150) of the present disclosure, the computer device (100) can communicate with other computer devices, etc., for example, a data storage where data is stored, a cloud data storage, a cloud computer system for using computing power, etc. The technologies described in this specification can be used not only in the networks mentioned above but also in other networks.

[0043] Throughout this specification, computational model, neural network, network function, and neural network may be used interchangeably. A neural network may consist of a set of interconnected computational units, which may generally be referred to as nodes. These nodes may also be referred to as neurons. A neural network is composed of at least one node. The nodes (or neurons) constituting the neural networks may be interconnected by one or more links.

[0044] In a neural network, one or more nodes connected via links can form relative input and output node relationships. The concepts of input and output nodes are relative; any node in an output node relationship with respect to one node may be in an input node relationship with respect to another node, and vice versa. As described above, the input node versus output node relationship can be generated based on links. One or more output nodes may be connected to a single input node via links, and vice versa.

[0045] In a relationship between an input node and an output node connected through a single link, the value of the output node's data can be determined based on the data input to the input node. Here, the link interconnecting the input node and the output node may have a weight. The weight can be variable and can be varied by the user or an algorithm to enable the neural network to perform the desired function. For example, if one or more input nodes are interconnected to a single output node by respective links, the output node's value can be determined based on the values ​​input to the input nodes connected to the output node and the weights set on the links corresponding to each input node.

[0047] FIG. 2 is an exemplary configuration diagram of a rent payment system according to one embodiment of the present disclosure.

[0048] The lessee includes individuals or legal entities wishing to lease a specific property. The lessee uses the system of the present invention to upload a lease agreement and register multiple payment methods for rent payment. If there are missing items in the uploaded agreement, the lessee checks the request for supplementary upload transmitted by the computer device and re-uploads the modified agreement. During the monthly rent payment process, the lessee checks the notifications or reasons for payment failure presented by the computer device, modifies the payment method, or selects additionally registered payment methods to pay the monthly rent without arrears.

[0049] The tenant terminal (10) includes various devices such as computers, smartphones, and tablets that the tenant possesses or uses. The tenant terminal (10) provides a user interface for the tenant to upload a lease agreement and transmit it to the computer device (100), or to receive a payment failure notification and reset the payment method. The tenant terminal (10) is connected to the computer device (100) via a network and can perform tasks such as uploading supplementary contracts, checking the status of monthly rent payments, and viewing payment history.

[0050] The lessor refers to the owner or manager of the real estate to be leased. The lessor accesses the system of the present invention to register information on rental properties owned or managed by them, and verifies data regarding rent, lease period, security deposit, late fees, etc., for each property. The lessor can review the process in which details of monthly rent paid by the tenant are automatically saved to the lease database by a computer device. If necessary, the lessor generates a certificate of rent payment or obtains data for reporting rental income, and in the event of a payment failure or non-payment notification, consults with the tenant by referring to the information transmitted by the computer device.

[0051] The landlord terminal (20) is a device for the landlord to manage rental information and receives and verifies monthly rent payment details from the computer device (100). The landlord terminal (20) can perform the function of requesting rent payment certificates or data for reporting rental income, and views information on real estate properties (buildings, rooms, etc.) or tenant information registered in the computer device (100). In addition, the landlord terminal (20) receives notification messages regarding major events such as rent payment failure or overdue payment notifications.

[0052] A broker refers to a third party or agency that assists in the process of concluding a real estate lease agreement between a tenant and a landlord. Within the scope of authority granted to the computer device, the broker reviews the lease agreement and requests corrections to the tenant or landlord if there are missing items or errors related to the signature field. The broker monitors whether the monthly rent payment process proceeds smoothly after reviewing the contract and signing it, and performs mediation duties by querying relevant information (payment records, signature recognition results, etc.) in the event of a dispute between the tenant and the landlord.

[0053] The broker terminal (30) refers to a device used by a third party that brokers a real estate lease contract. The broker terminal (30) performs the role of viewing the lease contract and verification results within the scope of authority provided by the computer device (100), or connecting the tenant and the landlord. If necessary, the broker terminal (30) can provide guidance to the tenant or landlord regarding missing items in the contract, and can check the contract details and the status of monthly rent payments in the event of a dispute.

[0054] The computer device (100) automates the lease contract verification and monthly rent payment process of the present invention. The computer device (100) analyzes the lease contract uploaded from the tenant terminal (10) using OCR (Optical Character Recognition) to extract essential items such as the landlord's name, tenant's name, rent, lease period, and signature field, and requests the tenant terminal (10) to upload supplementary items if any are missing.

[0055] Additionally, the computer device (100) manages multiple payment methods (e.g., debit card, credit card, account, etc.) registered by the tenant in order of priority, and when the payment date arrives, it first attempts the first priority payment method. If a payment failure occurs, it sends a notification to the tenant terminal (10) and automatically attempts the second priority payment method. If the payment is successful, the computer device (100) stores the payment details in the lease database and pays the monthly rent collected from the tenant to the landlord.

[0056] Since the computer device (100) structures and manages the history of monthly rent payments, the tenant and the landlord can check the payment status in real time through each terminal (10, 20). If necessary, the computer device (100) may provide additional functions as examples, such as tax filing automation and blockchain integrity verification.

[0057] An external server (200) refers to an external system that handles various functions not performed by the computer device (100). For example, a payment gateway (PG), a bank, a tax office API, etc., correspond to the external server (200), and the computer device (100) requests and receives payment approval information or exchanges tax information necessary for reporting rental income.

[0058] Among the external servers (200), the bank server is linked when monthly rent is paid through a bank account registered by the tenant or landlord. When the payment date arrives, the computer device (100) performs an account balance inquiry and a payment transfer request to the bank server. The bank server returns an error code if the account balance is insufficient, and the computer device (100) sends a payment failure notification to the tenant terminal (10) based on this.

[0059] Among the external servers (200), the payment gateway (PG) server is responsible for card payment processes such as check cards, credit cards, and simple payments. The computer device (100) transmits a payment approval request to the PG server, and the PG server determines whether the card is approved (exceeding the limit, insufficient balance, lost card, etc.) and returns the result. The computer device (100) performs payment success or retry logic based on the approval code and failure reason code received from the PG server.

[0060] Among the external servers (200), the tax agency server supports tasks related to rental income reporting or year-end tax settlement. The computer device generates documents or computer files for tax reporting based on payment history stored in the rental database and links with the tax agency server API. The tax agency server returns the reporting results, and the computer device (100) simplifies the tax reporting process by notifying the tenant terminal (10) and the landlord terminal (20) of the results.

[0061] Servers providing advanced functions, such as blockchain nodes or electronic signature servers, may also be included in the external server (200). For example, the computer device (100) may communicate with a blockchain node server to record monthly rent payment details on a blockchain network, or may link with an electronic signature authentication server to verify the electronic signatures of the tenant and the landlord.

[0062] The computer device (100) exchanges API requests and responses with an external server (200) via network communication. The computer device (100) securely transmits and receives data using an authentication token or encryption method of each external server (200). All procedures that the computer device (100) of the present invention does not directly perform, such as approval of monthly rent payment, account transfer, tax filing, and blockchain recording, are processed by the external server (200), and the computer device (100) receives the result value returned by the external server (200) and performs tasks such as updating the lease database, sending notifications, and issuing supporting documents.

[0063] By delegating core tasks such as payment or taxation to specialized institutions through an external server (200), the computer device (100) of the present invention secures more flexible scalability while focusing on lease contract verification and payment history management. For example, even if other payment methods or new tax reporting forms are introduced, the computer device (100) can easily add new functions as long as it complies with the API specifications of the external server (200).

[0064] The computer device (100) receives a payment approval code through communication with an external server (200) and reflects the approval result in the lease database. Additionally, if tax reporting is required, it supports the rental income reporting process by calling a form or API provided by the external server (200) based on lease contract information and payment history.

[0066] FIG. 3 is a flowchart of a rent payment method according to one embodiment of the present disclosure.

[0067] The computer device (100) recognizes a lease agreement uploaded by at least one of the parties involved in the lease agreement and extracts the essential items for rent payment (S100).

[0068] A computer device (100) receives a lease agreement uploaded by at least one of the parties involved in the lease agreement (e.g., tenant, landlord, broker). The uploaded agreement may be in various formats, such as a scanned image, a PDF file, or an electronic document format. The computer device (100) receives the file via an upload function of a web or mobile app and may check a checksum (hash) or electronic signature to verify the integrity of the file upon upload.

[0069] The lessee takes a photo of or scans a paper contract, converts it into a PDF format, and uploads it to a computer device (100). During the upload, the lessee can adjust the resolution, file size, etc. of the contract, and the computer device (100) stores the file in a temporary storage after the upload is completed.

[0070] If the lessor already possesses an electronic contract concluded with a broker, the electronic contract file is uploaded directly. The lessor may predefine permission settings for the contract file (e.g., sharing targets, viewing scope), and the computer device (100) records the file access permissions in the lease database.

[0071] The broker may act as an intermediary between the tenant and the landlord and upload the completed contract on their behalf. The broker first checks whether the contract format is correct and whether a signature field is included, and then transmits it to the computer device (100).

[0072] The computer device (100) performs an OCR (Optical Character Recognition) module on the uploaded lease agreement. The OCR detects text areas in the image of the agreement and converts them into digital text. At this stage, the computer device (100) analyzes the document layout and form to extract the location of items unique to the lease agreement.

[0073] The computer device learns a general form of a lease agreement in advance or uses a template matching technique to determine where essential items, such as the landlord's name, tenant's name, rent, lease period, signature field, and landlord's rent receiving account, exist on the document. For example, if a specific area at the bottom of the document (e.g., bottom 10%) is presumed to be a signature field, the computer device (100) recognizes that there is signature or seal information in that area.

[0074] The computer device (100) goes beyond simple pattern matching and uses an AI-based OCR engine to increase the character recognition rate, and prioritizes extracting numbers and strings around phrases such as “monthly rent amount” or “rental period”. For example, if the rent is written as “700,000 won”, the currency unit and number are parsed together from the OCR result and assigned to the “rent” item.

[0075] Since OCR accuracy can be degraded by computer devices due to seals, background patterns, etc., noise removal algorithms (binarization, contrast adjustment, etc.) are applied. Pre- and post-processing are also performed to maximize text recognition accuracy, even for photos with blurred fonts or shaky images.

[0076] The computer device (100) automatically separates and extracts items that are essential for rent payment from text information obtained through an OCR process. Essential items may include, for example, the landlord's name, the tenant's name, rent, rental period, leased property, signature, etc.

[0077] The computer device (100) parses the text near the phrases “lessor” or “lessee” in the OCR result and extracts each name. The computer device (100) is designed to recognize various forms, such as Korean names, foreign names, and corporate names.

[0078] The computer device (100) identifies a number representing a rent amount (e.g., '700000', '700,000 won', '700,000 won') along with a currency unit. After recognizing the amount, the computer device (100) can internally convert it into an integer value and store it in a rental database.

[0079] The computer device (100) detects a contract start date and end date, or a period indication such as “12 months.” The computer device (100) recognizes date formats (YYYY-MM-DD, etc.) or converts natural language forms (“until February 2025”) through certain rules.

[0080] A computer device (100) can identify information (e.g., an address) representing a leased object. The computer device can recognize address information in various ways, convert it internally into a consistent format, and store it in a lease database.

[0081] When the computer device (100) recognizes the OCR result as an image rather than text (such as a handwritten signature or a stamp), the computer device (100) checks the coordinate area corresponding to the signature field. If the signature field is empty, it is determined that the signature is missing, and a request for supplementary upload can be made.

[0082] The computer device (100) extracts major items of the lease agreement, such as security deposits, late fees, and special clauses, in an expansive manner as needed. The computer device (100) sets up a list of essential items according to the contract form and checks whether the items are recognized.

[0083] Additionally, a scenario is also possible in which the lessee and lessor create an electronically signed contract and upload the file, or the lessee and lessor create an electronic contract provided by the computer device (100) of the present disclosure. The computer device (100) directly extracts contract items from metadata included in an electronic document format (PDF, XML, etc.). In this case, essential items are quickly verified through text parsing rather than OCR.

[0084] The computer device (100) may use a recognition and extraction method using a deep learning model as well as a rule-based recognition method to extract items from a lease agreement. The computer device (100) may use a deep learning model (e.g., a Transformer-based OCR engine) to analyze natural language throughout the document and extract items from the lease agreement by automatically mapping numbers appearing around the keyword “rent” to an amount field. This model learns user feedback (cases of modification and re-upload) to gradually improve recognition accuracy.

[0085] In another embodiment, it is also possible for the lessee to record the hash value of the document on the blockchain at the time of uploading the contract. After OCR recognition, the computer device (100) stores the hash of the final contract, in which the required items are satisfied, back on the blockchain. This allows for the verification of integrity in the event of contract changes or disputes.

[0086] For foreign language lease agreements (English, Chinese, etc.), the computer device (100) extracts essential items using a multilingual OCR engine. In this case, since specific keywords such as the rent amount and contract period may be written in multiple languages, a separate multilingual dictionary is provided for analysis.

[0087] By automatically extracting essential items from a lease agreement, the computer device (100) can reduce the inconvenience for tenants, landlords, and brokers in using the system of the present invention and encourage them to use it.

[0088] This invention can be extended in various forms, such as the advancement of the OCR engine or analysis based on electronic documents. It can digitize the entire lease transaction process by being integrated with payment failure retries, lease database management, electronic signatures, and blockchain integrity.

[0090] The computer device (100) performs verification of the required items for rent payment and, if there are any omissions or recognition errors, requests the relevant person to upload supplementary items (S200).

[0091] The computer device (100) performs verification on the essential items for rent payment (landlord's name, tenant's name, rent amount, rental period, signature field, etc.) extracted through OCR (Optical Character Recognition) or electronic document parsing in the previous step (S100).

[0092] The computer device (100) first checks for the existence of items. The computer device checks whether all pre-specified required items, such as landlord name, tenant name, monthly rent amount, lease period, and signature field, are recognized. For example, the computer device (100) determines that the “tenant name” item is missing or misrecognized if it is blank or if the recognition rate is below a threshold (e.g., 80%).

[0093] After that, the computer device (100) performs a data format check. The computer device (100) verifies, for example, whether the amount item has been properly parsed as a number and whether the date format (YYYY-MM-DD, etc.) is correct. The computer device (100) may determine that there is a recognition error if the character 'O' is mixed in, such as in “7OO,OOO won”, or may supplement the recognition result by considering surrounding data recognition and context using a deep learning model, or request reconfirmation.

[0094] The computer device (100) may optionally perform a logical judgment on the recognized content. The computer device (100) may perform simple logical checks, such as whether the rental period (contract start date, end date) is within a reasonable range compared to the current date, and whether the rental amount is not negative or zero. If there is an obvious error, such as the end date preceding the start date, the computer device (100) takes corrective measures.

[0095] The computer device (100) determines items that are completely omitted, partial recognition errors, and uncertain items as omissions or recognition errors during the verification process. For example, complete omission of items may include cases where a signature field (seal or handwriting) is not found, or where the monthly rent amount or rental period is not recognized at all. Partial recognition errors may include cases where only a part of the “landlord’s name” is recognized, where special characters (e.g., □) are mixed in, or where “1,000,000 won” is incorrectly parsed as “1.000.000” or “1,000,OO0 won”. And uncertain items may include cases where the OCR engine recognizes the text of the “tenant’s name” item with a probability of less than 50%, where it is incorrectly extracted in a date format (YYYY-MM-DD), or where the content is abnormal such as “0000-00-00”.

[0096] The computer device (100) may also perform verification of items extracted from a lease agreement by utilizing a large language model.

[0097] The computer device (100) receives a lease agreement uploaded by a relevant party, such as a tenant, landlord, or broker, and recognizes the overall format of the document. Based on the document layout, table structure, and location information of a general lease agreement, the computer device (100) performs format analysis to make it suitable for recognizing essential items for rent payment.

[0098] A computer device (100) extracts text blocks through OCR (Optical Character Recognition) or electronic document parsing and classifies them into areas commonly found in lease agreements ("Contracting Parties," "Contract Details," "Signature Section," etc.). The computer device (100) searches for whether a "Signature / Seal" area exists at the bottom of the document and applies form recognition technology, taking into account that rent or lease period is usually written in a table format or within a paragraph.

[0099] The computer device (100) searches for text composed of keywords such as “location,” “building name,” and “room number” to find the “rental object” item. If an address or real estate registration number is indicated in the document, it automatically recognizes it and adds it to the list of required items to be extracted.

[0100] If the contract has a structure that is completely different from the announced standard form (government / local government standard contract, etc.), the computer device (100) may generate a formal discrepancy warning. In this case, a supplementary guide is provided to the lessee terminal (10), etc., to encourage rewriting in the standard form.

[0101] The computer device (100) defines the landlord's name, tenant's name, rent, rental period, rental object, signature, etc. as essential items for rent payment and extracts them step by step.

[0102] The computer device (100) recognizes a string of characters written around a text label such as “lessor” or “lessee” and parses it according to a Korean / English name pattern. In the case where multiple lessees enter into a joint contract, multiple names can be extracted sequentially.

[0103] The computer device (100) searches for keywords such as “monthly rent,” “rental fee,” and “rent fee” in the document to obtain amount information, and converts the contract start and end dates into a date format (YYYY-MM-DD, etc.) to identify the rental period. If the period item is in the form of natural language (“6-month contract”), the OCR recognition result is analyzed to normalize it into days or months.

[0104] The computer device (100) extracts the location or identifier of the leased property based on information such as the “address,” “building number,” and “room number” indicated on the contract. This is a step to ensure that both the landlord and the tenant can clearly identify the property subject to payment.

[0105] When the signature field is represented as an image, the computer device (100) determines whether the signature field area is empty or whether a stamped seal is recognized. Since it may be difficult to extract text from the recognized signature or seal image using OCR, only the existence of the “signature field” itself is recorded as a required item.

[0106] The computer device (100) checks for the possibility of omissions or recognition errors regarding the extracted essential items and can receive the verification results from the tenant terminal (10) or the large language model (LLM). Through this, it is confirmed that the contract is in a normal state or a supplementary procedure is performed.

[0107] The computer device (100) generates a recognition result and an error list based on the OCR result and transmits them to the tenant terminal (10). The tenant terminal (10) can reply to the computer device (100) with confirmation of the recognition result and supplementary information regarding the errors. For example, the computer device (100) generates an error list based on the OCR result, such as “lessor name was not recognized” or “the signature field appears to be empty,” and transmits it to the tenant terminal (10). The tenant terminal (10) can reply to the computer device (100) with supplementary information, such as “the actual lessor name is ‘Hong Gil-dong’” or re-attaching a signature image.

[0108] The computer device (100) can provide the extracted contract items or error list to a large language model to automatically analyze the cause of the error or the method of correction. For example, the computer device (100) can call the large language model and transmit the recognized contract items or error list to the large language model to receive an analysis result such as, “It appears that the address of the leased property is indicated as ‘123-45, XX-dong, XX-gu,’ but the OCR result was recognized as ‘123-4, XX-dong, XX-gu?’”. The computer device (100) collects the verification results returned by the large language model (e.g., “Name field is insufficient,” “Signature field exists but resolution is low”) and finally determines the status of the contract.

[0109] If a missing or recognition error is found through verification using a large language model of recognition of the lease agreement or a tenant terminal, the computer device (100) performs a supplementary upload request step. This may include generating a notification message for the tenant terminal (10), creating a guidance message based on the large language model, and managing the document re-upload procedure.

[0110] The computer device (100) automatically generates messages for each error item and provides supplementary guidelines such as appropriate shooting methods, resolutions, and document formats. When a large language model writes user-friendly phrases, the computer device (100) verifies them and transmits them to the tenant terminal (10).

[0111] The tenant terminal (10) re-uploads the supplemented contract, and the computer device (100) repeats the same recognition process as the previous step (S100). If the error persists even after multiple supplementary uploads, the process may be switched to verification by another entity, such as a landlord or broker, or to a manual input procedure.

[0112] If omission or misrecognition is detected, the computer device (100) requests the party who uploaded the contract (identifying whether it is the tenant, landlord, or broker) to upload a supplementary document. The computer device (100) can input the content of the recognized lease contract and the verification results into a large language model to generate a notification message and supplementary instructions.

[0113] The computer device (100) lists missing or error items and generates a notification message containing specific reasons such as “landlord name not recognized,” “monthly rent amount abnormal,” and “no signature field.” The generated supplementary notification message may be sent first to the uploader among the tenant terminal (10), landlord terminal (20), and broker terminal (30).

[0114] Notification messages can be delivered through various channels such as SMS, app push, and email. The computer device (100) sends a notification by referring to contact information registered upon upload.

[0115] The computer device (100) provides user-friendly instructions such as “how to increase resolution when rescanning” and “how to clearly mark the signature field at the bottom of the contract.” If the lease agreement is an electronic document, the computer device (100) may also provide instructions on the procedure for receiving only the missing items into a separate text field.

[0116] The computer device (100) generates a message notifying the uploading entity (tenant, landlord, broker) of a request for supplementary upload when essential items are missing or recognition errors occur in the lease agreement. At this time, the computer device (100) automatically generates a natural language notification message corresponding to each error item by linking with a large language model.

[0117] The computer device (100) organizes missing items, misrecognized fields, items with insufficient recognition reliability, etc., from the OCR verification results into an “error list.” The computer device (100) assigns tags such as “landlord name unclear” and “monthly rent amount unidentifiable” to each error item.

[0118] The computer device (100) inputs a list of errors and contextual information to a large language model. For example, it provides text such as “The landlord's name was not recognized. The character recognition rate in the signature field is 60%. The photo quality is low.” as a prompt. Based on the input error content and context, the large language model generates a notification message in the form of natural language that is easy for the user to understand. For example, the computer device can use the large language model to generate a notification message such as “The signature field was captured blurry, so the landlord's name could not be accurately verified. Please take the photo again and upload it.”

[0119] Additionally, the computer device (100) may additionally reflect information about the user receiving the notification message in the creation of the notification message. For example, if the user receiving the notification message is a broker, terms such as “tenant” or “landlord” may be used as they are in the notification message, or if the user receiving the notification message is a tenant and belongs to a group unfamiliar with legal terms, terms such as “tenant” may be used in the notification message as the person themselves or a person renting a house.

[0120] The computer device (100) reviews a draft generated by a large language model, performs automatic filtering (removal of prohibited words, context check), and sends a final notification message to the corresponding uploader among the tenant terminal (10), landlord terminal (20), and broker terminal (30). The computer device (100) transmits the message through a notification channel (SMS, app push, etc.) set by the user.

[0121] Through the natural language processing capabilities of a large language model, messages containing a user-friendly tone and specific instructions can be delivered. Users learn the specific cause, such as "It seems an error occurred because only some characters were recognized," and quickly take appropriate action.

[0122] The computer device (100) automatically adjusts the message tone and examples according to the language (Korean, English, etc.) and contract situation (office rental, housing rental, etc.) of the uploaded contract. As user data and feedback are accumulated over a long period, the large language model gradually generates more accurate and useful messages.

[0123] The computer device (100) uses a large language model to automatically generate specific instructions on how the user should re-upload or supplement the contract regarding error items that occurred during the verification process of essential items for rent payment. At this time, the large language model recognizes the user context (shooting environment, document format, etc.) and can suggest a solution suitable for it.

[0124] The computer device (100) analyzes the resolution of the uploaded file, information about the shooting device, OCR recognition rate, etc., to estimate the cause of the problem. For example, statistical data such as “when the image resolution is 72 DPI or lower, the text recognition rate drops sharply” can be used.

[0125] The computer device (100) inputs information such as “signature field misrecognition occurred” + “photo resolution 72 DPI” + “light reflection suspected” to the large language model. The large language model drafts supplementary instructions appropriate to the situation. For example, the draft supplementary instructions that the large language model can generate may include “Scan the document or take a picture in a brighter environment. Please zoom in on the signature field when taking the picture.”

[0126] The large language model can suggest specific guidelines such as “use a black pen in the signature field and turn on the flash so that the document is clearly visible.” The computer device (100) performs a final review of this and displays it as a “supplementary instructions” section on the user interface (UI).

[0127] For foreign language contracts, the massive language model utilizes a multilingual support mode to generate supplementary guidelines in the corresponding language. For contracts in other domains, such as office, commercial, and residential leases, the massive language model can automatically provide guidance on items commonly omitted in contracts for specific industries (such as management fees and security deposit clauses).

[0128] Even when tenants and landlords find it difficult to identify the cause of a problem on their own, they can attempt actions such as retaking photos or re-uploading scans by following the specific guidelines provided by the massive language model. This significantly reduces the need for brokers or counselors to provide guidance individually via phone or text message.

[0129] Supplementary guidelines based on large language models provide customized improvement plans by reflecting user behavior (document photography habits, print quality, etc.), thereby reducing repetitive errors. This leads to higher completeness of contracts in the future, shortening the verification process.

[0130] Since detailed solutions are provided in language that is easy for users to understand, the time required to supplement the contract is reduced and convenience is improved.

[0131] The computer device (100) may use a private large language model API or an open-source model (e.g., GPT family, BERT family, etc.). The computer device (100) may call and use a large language model from an external server, or it may use a large language model stored in the computer device (100). When the computer device (100) uses a large language model from an external server, considering personal information protection and security issues, a method is applied to anonymize and encrypt the contents of the lease agreement before transmitting them to the large language model.

[0132] Before exposing the text generated by the large language model to the user as is, the computer device (100) protects the user by performing a forbidden word filter or profanity detection logic. Since the lease agreement may have legal effect, the present invention includes a refinement step to ensure that ambiguous or exaggerated expressions are not included.

[0133] If the tenant or landlord sends a response stating, “I referred to the relevant guidelines but the problem still remains unresolved,” the computer device (100) can input additional feedback data into the large language model to use for model improvement. This improves the quality of supplementary guidelines and notification messages in the long term.

[0134] The computer device (100) uses a large language model together with an OCR engine and an AI-based document classification module to perform “error cause inference”, “user-friendly explanation”, etc. At this time, a structure can be designed to collaborate by combining the strengths of the large language model (natural language processing) and the strengths of other AIs (image recognition, text classification).

[0135] When the relevant party (e.g., tenant) re-uploads the new contract file, the computer device (100) repeats the same OCR and essential item extraction process as in the previous step (S100). As a result, this process may be repeated several times until all items are properly recognized.

[0136] If the problem is not resolved even after repeating the supplementary upload a certain number of times (e.g., 3 times), the computer device (100) may guide manual input (the tenant directly fills out the text field) or the broker inspection procedure.

[0137] If the “landlord’s name” continues to fail to be recognized, the computer device (100) prompts the tenant to manually enter the name. At this time, the computer device (100) stores it in the lease database so that it can be recorded without loss along with the original image of the contract.

[0138] The computer device (100) can statistically analyze fields where omissions or recognition errors frequently occur (e.g., signature fields, amount displays) and use this for retraining during the next OCR. For example, it improves the recognition rate by accumulating cases such as “cases where the signature image appears blurry.”

[0139] When a document written in the form of an electronic contract is uploaded, the computer device (100) parses metadata such as XML / JSON instead of OCR to read the necessary items. If missing items occur, it can be returned to the electronic contract platform so that the user can modify the document and submit it.

[0140] The computer device (100) can provide advance guidance on recommended locations for signature and seal fields, image quality guidelines, etc. Through this, the user can reduce the probability of omission by familiarizing themselves with the correct placement of signature fields and document formats in advance before preparing a contract.

[0142] When the computer device (100) completes the verification of the essential items for rent payment, it registers two or more payment methods as a means of rent payment for the tenant in order of priority (S300).

[0143] The computer device (100) displays a result of “Verification Status = Normal” on the tenant terminal (10) or broker terminal (30). The tenant or broker clicks the “Register Payment Method” button or moves to the payment method input screen according to the guidance message displayed by the computer device (100).

[0144] At the point when the verification of the essential items for rent payment is completed, the computer device (100) records the validity status of the contract in the lease database (DB) and prepares the tenant to enter payment method information.

[0145] The computer device (100) requests the tenant to select two or more payment methods (e.g., debit card, credit card, bank account, etc.) and assign priority. This is to automatically switch to the next priority payment method in the event of a payment failure. For example, payment methods may include a debit card (a card that is deducted immediately within the account balance), a credit card that allows payment if there is a remaining limit, a bank account that allows payment of rent via account withdrawal methods such as automatic transfer, and other electronic payment methods (simple payment service, mobile pay, etc.).

[0146] The lessee may register these in an order favorable to them. For example, if a credit card payment fee is incurred when using a credit card, the lessee may designate a bank account as the first priority payment method and register the credit card as the second priority payment method to prevent delinquency in cases of insufficient balance. The lessee may register a payment method favorable to them as the first priority payment method, and register a payment method that prioritizes the prevention of delinquency as the second priority payment method (a relatively lower priority payment method).

[0147] In some embodiments, the present invention may have a rule for the lessee that “at least two payment methods must be registered.” The computer device (100) may compel the registration of two or more payment methods by instructing the lessee to additionally enter another payment method (credit card or account) if the lessee has registered only one debit card.

[0148] The lessee may determine payment priorities such as “1st priority: debit card” and “2nd priority: credit card”. The computer device (100) stores this information in a lease database and can be configured to attempt the 2nd priority payment method immediately, after a predetermined time has elapsed, or through confirmation by the lessee if the 1st priority payment fails on the payment date.

[0149] The computer device (100) displays a “Add Payment Method” button, a “Card / Account Information Input Field,” and an “Priority Assignment” option on the lessee terminal (10). The lessee enters necessary information such as a card number, expiration date, and account number, and the computer device (100) performs security authentication (encrypted transmission, authentication token, etc.).

[0150] According to the regulations of the Payment Gateway (PG), when a tenant adds a payment method, they may be required to verify their identity (OTP, SMS authentication, accredited certificate, etc.). The computer device (100) links with an external server (200) to perform the authentication procedure, and upon success, processes the registration of the payment method as complete.

[0151] The computer device (100) can perform preliminary verification, such as whether a registered card or account is actually usable or has a remaining validity period. If the card or account is suspended or has expired, the computer device (100) prompts the lessee to input another payment method.

[0152] The computer device (100) records payment method information entered by the lessee in the lease database. This record includes a payment method identifier (card ID, account number masking), priority, authentication status, registration date and time, etc.

[0153] The computer device (100) has a payment priority column (e.g., a “priority” column) in the lease database to distinguish first priority means as “1”, second priority means as “2”, etc. The lessee may additionally register a third priority payment method, and the computer device (100) manages this as a separate column.

[0154] Sensitive information, such as card numbers and account numbers, is stored by tokenizing or encrypting it. The computer device (100) links with an external server (200) to process approval during actual payment. Security risks are reduced by storing identification tokens or reference keys instead of original numbers in the lease database.

[0155] When a tenant scans a credit card with a mobile camera, the computer device (100) recognizes the card number, expiration date, etc. through OCR and automatically inputs them. When registering a bank account, an embodiment is possible in which multiple accounts owned by the tenant are retrieved and selected via a bank API. The computer device (100) can communicate with an external server (200) to check the balance, account status, etc. in advance.

[0156] In a B2B scenario, a corporate tenant can register multiple corporate cards or designated accounts. The computer device (100) can additionally implement processes such as corporate card usage limits and specific department approvals. A tenant can register the same payment method as a priority for multiple leased properties. When making a payment, the computer device (100) automatically distributes the total monthly rent to each property and, in the event of a payment failure, retryes the second-priority payment method.

[0157] The computer device (100) supports the flexible setting of payment priority and installment payments when the tenant registers a method for paying rent. Through this, the tenant can register various payment methods (debit card, credit card, bank account, etc.) required for monthly rent payment all at once and divide the amount as desired, taking into account limits or benefits. If approval fails for some payment methods, the remaining payment is processed by moving to another priority.

[0158] The tenant may register multiple payment methods for installment payments. The tenant may wish to pay the monthly rent (e.g., 1 million won) in installments using multiple cards or a card plus account. The computer device (100) allows not only first priority and second priority, but also the “payment amount for each payment method” to be specified in advance. The tenant may register one or more payment methods for a single priority and perform installment payments through them.

[0159] The lessee first configures a set of first-priority payment methods. Multiple cards or accounts can be placed in the first priority at once, and the split amount or split ratio is entered for each payment method.

[0160] For example, if you set 'Credit Card A (700,000 won) + Credit Card B (300,000 won)' as the first priority, when the monthly rent is 1,000,000 won, you request approval for 700,000 won from Card A and 300,000 won from Card B simultaneously or sequentially.

[0161] The lessee registers a second priority (another credit card or bank account, etc.) in case all or part of the first priority payment method is not approved.

[0162] For example, only 'Credit Card C (1 million won limit)' can be designated for the second priority. In this case, even if there are multiple cards in the first priority, if only partial approval is granted and some amount remains unpaid, the remaining amount is automatically transferred to the second priority card C for payment.

[0163] Priority is a logic that attempts to pay using the second priority payment method if the first priority payment method fails to successfully pay the full rent. Split payment is a logic that allows payment using multiple sets of payment methods within a single priority. In other words, if multiple payment methods are registered in the first priority payment method set and split amounts are set, it allows the rent payment to be attempted using the second priority payment method set if the entire set is not completed.

[0164] For example, the tenant registers 'Card A (700,000 won) + Card B (300,000 won)' as the first priority. The intention is to use parts of both cards to meet the spending requirements. If Card A is at its limit and only 500,000 won out of the 700,000 won can be approved, the remaining 200,000 won can be processed using Card B or the second priority card.

[0165] In an example where low-limit cards are mixed, if the monthly rent is 1.2 million won, and the limit of Card A is 1 million won and the limit of Card B is 2 million won, the tenant allocates 700,000 won for A and 500,000 won for B to the first priority set. Of the total 1.2 million won, the amount that is lost from either card can be transferred to the second priority.

[0166] The tenant can combine 'bank account (500,000 won) + credit card A (500,000 won)' as a first priority. If the account balance is insufficient, the computer device (100) can make the remainder payable with card A or process the remaining amount using a second priority means.

[0167] The computer device (100) provides a UI with a function to register multiple means within a first-priority set, an input field for the split amount for each payment method, and options to register second and third-priority means. The lessee can visually check this and set it to “700,000 won + 300,000 won” or “600,000 won + 600,000 won”. The lessee can choose a method to request approval for multiple payment methods simultaneously within a single priority or to request approval sequentially.

[0168] The present invention allows for the selection of a method for 'simultaneous approval requests' or 'sequential requests'. Depending on network load and approval API regulations, the process of acquiring authentication tokens for each card company is performed. In the event of partial approval, the logic for immediately allocating only the remaining amount to other means is described in this embodiment.

[0169] If some cards are approved and some fail, the computer device (100) processes only the approved amount for payment first, and the deficit may be passed to a next-priority payment method or another payment method of the same priority. The tenant terminal (10) receives the status of the outstanding amount and information on the payment method to be attempted in the future as a notification message.

[0170] By configuring payment method sets based on payment priority, tenants can maximize card performance and point benefits, and benefit from being able to pay monthly rent stably by combining multiple cards instead of relying on a bank account with insufficient funds.

[0172] The computer device (100) attempts to pay the rent through a first-priority payment method on a preset rent payment date, and if payment fails, attempts to pay the rent again through a second-priority payment method (S400).

[0173] The computer device (100) monitors the rent payment date registered in the lease database. When the payment date arrives, it automatically initiates the payment procedure for the tenant. The payment date may be a specific date, such as the 5th or 15th of every month, set by the landlord and tenant, and the present invention may be configured to attempt payment immediately at 0:00 on the payment date or at a time specified by the user (e.g., 9:00 AM).

[0174] When the payment date arrives, the computer device (100) first re-checks the validity of the first priority payment method (e.g., credit card, debit card, bank account, etc.) registered by the lessee. For example, it checks in advance whether the card expiration date, account is frozen, etc., and if there are no problems, it proceeds with the payment request immediately.

[0175] The computer device (100) requests approval for the full amount of rent (or installment amount) for the first priority payment method. It receives an approval code or approval result (whether successful or unsuccessful) returned from an external server (200).

[0176] When the first priority payment method is successfully approved, the computer device (100) reports that the monthly rent has been received from the tenant and switches to a payment completion state. The computer device (100) stores the payment history in the lease database (DB) and sends a payment success notification to the landlord and tenant terminals.

[0177] If a payment agency or bank server rejects approval due to reasons such as “insufficient balance,” “exceeding the limit,” or “communication failure,” the computer device (100) records the rent payment failure event. At the time of failure, the computer device (100) may send a notification (“first priority payment failure”) to the tenant and proceed to the next step of retrying the second priority payment method.

[0178] The computer device (100) requests approval for the remaining amount (or the total rent) using the second-priority payment method when the first-priority payment method fails. If the first-priority payment method succeeds in only partial approval, the computer device (100) may transfer only the unpaid amount corresponding to the difference to the second-priority payment method.

[0179] The second-priority payment method is also connected to an external server (200) to call an approval API and receive the approval result. If successful, payment is completed; if unsuccessful, an additional notification is sent to the tenant, or if there is a third-priority payment method, it switches to the third-priority payment method.

[0180] The computer device (100) stores the final payment approval result in the lease database. Metadata such as approval codes, causes of failure, and number of attempts may be included. The approval / failure status for each payment method is displayed on the tenant / landlord terminals to prevent disputes and provide transparency.

[0181] As mentioned above, this can be implemented by allocating multiple means within the first priority and retrying the second priority means in the event of a complete or partial failure. This offers the advantage of minimizing the risk of delinquency while optimizing tenant card limits and performance benefits.

[0182] The computer device (100) may immediately perform a second-priority conversion upon failure of the first-priority payment, and in some designs, may attempt a second-priority payment after receiving a response from the lessee (e.g., attempting again in 2 hours as the balance is scheduled to be recharged). In this case, it may interact with the lessee terminal (10), and the lessee gains time to adjust the card limit or deposit the account balance in accordance with the payment failure notification.

[0183] On the day of payment, the second priority can be proceeded after multiple first-priority retries, or a repeated approval procedure can be introduced at regular time intervals (e.g., retries after 3 hours). At the tenant's request, the number of retries can be limited, or an algorithm for determining the probability of success (insufficient balance, exceeding limits, etc.) can be implemented to prevent unnecessary duplicate attempts.

[0184] The computer device (100) attempts to pay the monthly rent using a first-priority payment method on a preset rent payment date, and if an approval failure occurs, identifies the cause. The computer device (100) analyzes the failure code or message returned from the external server (200) to determine at least the following three cases.

[0185] In the case of a credit card payment, approval may be impossible because the card limit has been exceeded. The computer device (100) checks the “error code (e.g., LIMIT_EXCEEDED)” provided by the card company and notifies the tenant that the limit is insufficient.

[0186] If a check card (debit card) or bank account is used, approval may be rejected because the account balance is less than the monthly rent payment amount. The computer device (100) can refer to the response (“INSUFFICIENT_FUNDS”) from the bank server or PG company to record the cause of the failure and notify the tenant of this.

[0187] A payment request may not be processed normally due to network issues with a payment gateway (PG) or bank server (200), temporary server failure, etc. The computer device (100) may retry within a certain period of time or notify the tenant that a non-payment has occurred due to the network connection status and that the system will retry.

[0188] The computer device (100) generates an unpaid notification message based on the reason for payment failure (e.g., exceeding the limit, insufficient balance, communication failure, etc.). For example, the unpaid notification message may include: “The monthly rent payment was not approved because the limit was insufficient. Please try again with another payment method.”, “The payment was rejected because the account balance was insufficient.”, etc.

[0189] In another embodiment of the present invention, a large language model may be used to provide the tenant with context-appropriate natural language descriptions and solution instructions (topping up account balance, adjusting card limits).

[0190] The computer device (100) transmits a notification message and the reason for failure to the tenant terminal (10) to quickly notify the current payment status. The notification channel (SMS, app push, email, etc.) may vary depending on the tenant settings.

[0191] After checking the notification, the lessee may take action such as adjusting the card limit, replenishing the account balance, or checking the second-priority payment method. The computer device (100) proceeds with additional payment according to the lessee's response status ("retry payment," "switch to second priority," etc.).

[0192] The computer device (100) sends an unpaid notification to the tenant terminal (10) and waits for a response from the tenant. The tenant terminal (10) checks the cause of the payment failure (exceeding the limit, insufficient balance, communication failure, etc.) and can specify the intention or timing for subsequent payment.

[0193] For example, the lessee terminal (10) may respond by immediately proceeding with payment using a second-priority payment method, retrying after a certain period of time (delayed retry), or making a manual payment. To this end, the computer device (100) may include a request to the lessee terminal (10) regarding the payment attempt time, payment attempt method, payment amount, etc., in the unpaid notification.

[0194] The computer device (100) receives detailed data, such as the desired time for a retry and whether to change the payment method to be used, input from the lessee terminal (10). For example, it can also reflect the case where the lessee requests to “use additionally registered account D instead of second-priority card C.”

[0195] When the lessee sends a response to proceed with payment using a secondary payment method, the computer device (100) immediately performs an approval request using the secondary payment method. At this time, the approval code, reason for failure, etc. are also checked through linkage with an external server (200).

[0196] If the lessee chooses to delay the retry, the computer device (100) defers the retry until that point in time. When the deferment time arrives, the computer device (100) automatically proceeds with payment using the current priority payment method or the next priority payment method, or resends a notification to the lessee to reconfirm the intention to pay.

[0197] If the tenant sends a manual payment response, the computer device (100) stops the second-priority payment process and records the fact in the lease database. The computer device (100) can check whether the rent has been paid during a predetermined period, and if it has not been paid, it can send a payment notification to the tenant terminal (10) or attempt repayment according to the priority of the payment method set by the tenant.

[0198] The computer device (100) parses data such as 'hours and minutes', 'date', and 'payment method identifier' received from the tenant terminal (10) and stores it in the lease database. For example, when a response such as “Try with payment method C in 2 hours” is received, the computer device (100) registers a timer or scheduler. The computer device (100) checks the response status and decides to proceed in either automatic or manual mode.

[0199] When the retry schedule is confirmed, the computer device (100) sends a message to the tenant saying, “Attempting to make a payment with second-priority card C at OO time.” Afterwards, the retry result (success / failure) is also immediately notified to the tenant and landlord terminals to transparently manage the payment status.

[0200] This allows for the flexible retry of a second-priority payment method in the event of a payment failure, tailored to the tenant's wishes and circumstances (such as topping up account balance or resetting card limits). This enables the tenant to reduce unnecessary duplicate payment attempts and complete payments at an appropriate time.

[0201] Instead of simply proceeding to a next-priority attempt immediately upon a payment failure, measures are taken to prevent repeated failures by reflecting the timing and method preferred by the tenant. Since the landlord is also aware of the future retry schedule, uncertainty regarding payment delays is reduced.

[0202] Since the computer device (100) determines the timing and means of retry based on the tenant's response, it is easy to respond to business and technical situations (various payment methods, schedule management). Even if other payment services (mobile pay, virtual account, etc.) are introduced, the tenant's response can be processed with the same logic.

[0203] Payment in the system of the present invention will be described below.

[0204] After the computer device (100) completes the steps of verifying the lease agreement and registering the payment method, on the day of rent payment, it connects to the PG (payment gateway) server and network to request payment approval. To this end, the computer device (100) may have pre-sets regarding API authentication information, payment parameters, multiple priorities, and split payment compatibility.

[0205] The computer device (100) holds API keys, encryption tokens, secret keys, etc. to communicate with the PG server. Among the external servers (200), a secure channel is established according to the security protocol (HTTPS, TLS, etc.) provided by the PG server.

[0206] The computer device (100) configures the tenant's card / account information (tokenized identifier, expiration date, etc.), payment amount, payment date, contract identifier, etc., as payment request parameters. The computer device (100) accurately specifies the payment amount by referring to the total rent amount determined during the contract verification stage.

[0207] The computer device (100) is designed to enable PG integration for each of the first and second priority payment methods. The same PG API is reused even when splitting multiple cards or accounts in the payment logic, or attempting a different priority in case of failure.

[0208] On the payment date, the computer device (100) calls the PG API for the first priority payment method (credit card, debit card, bank transfer, etc.). At this time, the computer device (100) sends a request to the PG server including, for example, amount (rental amount), payment_method (card / account identifier), contract_id (lease identifier), etc.

[0209] The PG server performs checks such as whether the card company approves, checks the balance, and checks for exceeding the limit, and then returns a success / failure result. The PG server sends an approval code (e.g., “APPROVED”) upon success and an error code (“LIMIT_EXCEEDED”, “INSUFFICIENT_FUNDS”, etc.) upon failure to the computer device (100).

[0210] The computer device (100) analyzes the PG server response and, if the payment is successful, processes the payment completion, and if the payment fails, sends a notification to the landlord and tenant and attempts a next-priority payment method as described above. The approval code and payment details are recorded in the lease database.

[0211] When the computer device (100) rejects the request for approval of the first-priority payment method, it performs a PG API call for the second-priority payment method immediately or after a certain period of time. At this time, it changes 'payment_method' in the request parameters to the identifier of the second-priority payment method and sends it.

[0212] When the PG server approves the second-priority payment method, the computer device (100) processes the rent as successfully paid to prevent delinquency. If failures continue to occur, the tenant is notified of the payment failure and is instructed on follow-up measures.

[0213] When calling a PG API, the computer device (100) may apply tokenization or encryption instead of sending sensitive card numbers or account information in their original form. The PG server performs the authentication and approval process, and the computer device (100) receives only the approval or rejection results.

[0214] It is possible to link not only one PG company, but also multiple payment processing agencies or bank APIs. When the tenant wants various payment methods, the computer device (100) recognizes the API specifications of the corresponding PG / bank and calls them appropriately.

[0215] The computer device (100) may also perform subsequent tasks such as issuing an automatic receipt and generating tax return data upon successful approval.

[0216] Since payment approval status is exchanged with the PG server via API, tenants can know the result immediately on the payment date. Upon successful approval, a notification is simultaneously sent to the landlord, which can improve the accuracy of monthly rent payments.

[0217] The computer device (100) automatically retryes the second-priority method when payment fails, thereby reducing delinquency caused by the tenant's financial situation or limit issues. The tenant checks the remaining card limit or account balance frequently and uses the next-priority payment method when necessary.

[0218] The PG API call structure can be extended by adding payment methods (card, account, simple payment, virtual account, etc.). The entire lease contract verification and payment process of the present invention is automated, supporting various lease transaction scenarios.

[0220] When the rent payment is successful, the computer device (100) stores the payment details in the lease database and pays the monthly rent received from the tenant to the landlord (S500).

[0221] The computer device (100) receives an approval response from a payment gateway (PG) or bank server in the previous step (attempting to pay on a pre-set payment date). When the approval code (e.g., “APPROVED”), approval time, payment amount, etc. included in the approval response are verified, the computer device (100) considers that the monthly rent has been successfully collected from the tenant. In cases where multiple payment methods are used due to split payments, priority logic, etc., the total amount from all payment methods must reach the total monthly rent amount to be determined as successful payment. For example, if Card A 700,000 won + Card B 300,000 won are both approved and the total reaches 1,000,000 won, the state is switched to a successful state.

[0222] The computer device (100) structures and stores payment history in a lease database to record the success of rent payment. If there are multiple approval codes due to installment payments, the computer device (100) stores each approval code and amount as a separate record or reflects them in the lease database in a composite structure. The computer device (100) can reference the tenant's name, landlord's name, leased property, rent amount, etc., in conjunction with the contract table.

[0223] A computer device (100) stores various information generated or modified by related parties, such as landlords, tenants, and brokers, in a lease database to automate the process of verifying lease contracts and paying monthly rent. The lease database is organized into tables and structurally manages data regarding user accounts (landlords, tenants, brokers), real estate properties, lease contracts, payment history, payment methods, etc.

[0224] Information stored in the lease database helps the computer device (100) consistently track and manage a series of processes, such as attempting payment when the monthly rent payment date arrives, recording whether the payment was successful, and paying the landlord. In addition, it provides a transparent lease environment by allowing the tenant and landlord to view the contract status, payment history, notification messages, etc., on screens that they can each access.

[0225] The lease database may include one or more tables, for example, a user table, a property table, a lease agreement table, a payment history table, a payment method table, an upload history table, a notification table, a version history table, etc.

[0226] A computer device (100) configures a user table (USER table) to centrally manage various users, such as landlords, tenants, and brokers. This table stores user ID, name (or company name), contact information, registration date, role classification (tenant, landlord, broker, etc.). The computer device (100) grants permissions to each user based on the information stored in the user table. For example, a tenant can register a method for paying monthly rent and view payment history, and a landlord can manage real estate properties they have registered and tenant contract details. A broker performs some support for contract security and verification. If necessary, the computer device (100) stores authentication tokens, passwords (hashes), and secondary authentication information in conjunction with the user table, and maintains security by encrypting sensitive information. The user table may include columns such as user ID, user type (landlord, tenant, broker, etc.), user name, and user contact information.

[0227] The lease database may include a property table that records information about real estate properties (houses, commercial buildings, offices, etc.) owned or managed by the lessor. Each property may have various fields such as a unique ID, address, owner (lessor) ID, lease type (monthly rent, Jeonse, etc.), area, and whether there are management fees. The computer device (100) links contract and payment history based on the property ID to clearly distinguish which property the monthly rent is for. The lessor may register multiple properties, and the computer device (100) provides statistics or notifications by classifying payment history or contract status by property. The property table may include columns such as, for example, a property ID, an owner ID (in this case, can be linked to the lessor ID of the user table), an address, a property type (e.g., an apartment, a house, etc.), and a rent.

[0228] The lease contract table (CONTRACT table) stores contracts concluded between a landlord and a tenant. The lease contract table represents a specific contract by a lease contract ID and includes columns such as a property ID, landlord ID, tenant ID, contract period, monthly rent amount, and security deposit. Along with the contract status (in progress, expired, terminated, etc.), information updated upon renewal or early termination is reflected in the lease contract table. The computer device (100) can refer to this to automate subsequent procedures such as payment schedules and security deposit returns. The lease contract (scanned / electronic document) is linked to an upload history table so that the hash or upload path of the contract document can be referenced in the lease contract table.

[0229] The payment history table (RENT_PAYMENT table) is a table for storing payment details that occur during the process of paying monthly rent. The payment history table may include each payment activity as a record, and each record records the lease agreement ID, payment time, payment method used, authorization code, payment amount, etc. The computer device (100) stores a “SUCCESS” or “FAILED” status in the payment history table based on the results of the payment gateway (PG) integration. By recording the reason for payment failure (e.g., insufficient balance, exceeding the limit) or the authorization code, supporting evidence can be presented in the event of a future dispute. If a tenant uses multiple cards or accounts simultaneously or sequentially to split the monthly rent payment, the payment history table stores the information by dividing it into multiple records or storing the split information in an additional column. The computer device (100) also consistently manages the history of the second priority payment in the same table when the first priority payment fails.

[0230] The payment method table (PAYMENT_METHOD table) manages a list of payment methods, such as credit cards, debit cards, and bank accounts, registered by the lessee. The payment method table includes columns such as, for example, a payment method identification ID, a user ID owning the payment method (usually the lessee ID), a payment method type, payment method information (e.g., card information, account information, masked card information, masked account information, etc.), payment priority, the amount to be allocated to the corresponding payment method in the case of installment payments, and other information. The computer device (100) refers to the payment priority and the amount to be allocated to the corresponding payment method in the case of installment payments columns of the payment method table to determine which method to attempt first and which amount to allocate on the payment date. Sensitive information corresponding to the payment method is stored in the lease database in the form of encryption or tokens, and is designed so that the lessee terminal (10) cannot arbitrarily modify it without re-authentication.

[0231] The computer device (100) may have an upload history table for storing lease agreement files (scan, PDF, electronic document) uploaded by a tenant or lessor. The upload history table may include columns such as an upload history identifier, lease agreement ID, file path, file hash, uploader user ID, upload time, OCR result, and current status. If a missing item is found during the contract verification stage, the computer device (100) stores a file re-uploaded for the same lease agreement ID as an additional record. This allows for tracking supplementary upload history. The computer device (100) can verify that the document has not been tampered with through the file hash, etc., and can use it as original evidence in the event of a dispute.

[0232] The notification table records various event notifications, such as payment failures / successes, requests for supplementary uploads, and renewal notices. It manages notification messages sent to tenant and landlord terminals, as well as their acknowledgment status. The notification table may include columns such as notification ID, recipient user ID, notification title, notification body, creation time, and user acknowledgment status.

[0233] Version tables record the change history of key tables, such as lease agreements and payment records, enabling the tracking of past states in the event of a dispute. Version tables serve the function of storing previous versions when data regarding lease agreements, payment records, etc., is modified. Version tables may include columns such as a Version ID, a Table ID and Record ID to identify the target of the change, and details of the change.

[0234] The computer device (100) distinguishes inquiry rights regarding the lease database according to the user (lessee, lessor, broker, etc.). The computer device (100) may restrict the lessee to view only their own payment history, and the lessor to view only payment history for the leased property they own or manage.

[0235] Tenants can access their payment information, such as rent payment status, payment date, payment method, actual amount paid, and authorization code. Tenants can view rent receipts and the landlord's business information (such as registration numbers), but the system is configured to allow viewing only within the scope permitted by the landlord for disclosure to the tenant. For example, only the information necessary for receipts used for tax reporting is displayed.

[0236] The landlord views the payment history (tenant name, payment date, amount, payment method, etc.) corresponding to the property they have registered. Since the landlord has registered their business information in the lease database, they can modify and view it, but they are restricted from viewing the information of other landlords. The landlord views the payment history (payment failure, success, etc.) of tenants with whom they have a contractual relationship, but only a portion of the tenant's personal financial information (payment method details, etc.) can be viewed after masking.

[0237] The computer device (100) may grant a separate authorization level to allow a broker or manager to monitor the status of correcting contract errors for a specific lease agreement or to view a portion of the payment history in case of a problem.

[0238] The computer device can perform database-level permission control, application-level control, and masking of sensitive information, etc., to control view rights. For example, when the computer device (100) performs a query on a database using an SQL account, a view, etc., it can control user-specific view rights at the database level by adding a condition regarding whether the user ID of the retrieved record is the same as the current user (e.g., user ID = Current_user(), etc.).

[0239] This allows tenants to protect their personal information while verifying their payment history (monthly rent payment amount, date, approval code, etc.) and securing supporting documentation for tax filing by referring to the landlord's business information. Landlords can identify who (tenant) paid how much and when for the rental properties they have registered, and determine the cause in the event of arrears.

[0240] The computer device (100) checks whether payment is approved by linking with a payment gateway (PG) or bank server regarding the tenant's payment method (credit card, debit card, account, etc.) in the preceding step. If approval is successful, the computer device (100) recognizes that a certain amount (monthly rent) has been successfully received from the tenant.

[0241] The computer device (100) can receive monthly rent first through a temporary storage account (escrow type) or a platform intermediary account via a PG or bank API. Afterwards, it can choose a method of sequentially transferring the rent to the landlord or a method of immediately transferring it to the landlord's account at the time of approval.

[0242] The computer device (100) stores the “SUCCESS” status, approval code, amount received, time, etc., in the payment history table. Subsequently, the lease database indicates that the corresponding monthly rent for this contract has been fully paid, and notifies the landlord terminal (20) and tenant terminal (10) of the result.

[0243] The computer device (100) may pay the rent paid to the tenant immediately, pay with a delayed settlement (for example, in the case of card payment, pay after 1 or 2 days (business days) after the payment date and process the actual deposit), or pay through a separate predetermined policy.

[0244] The computer device (100) can deduct a certain amount from the payment amount and remit it to the landlord if there is a payment agency fee. For example, if the fee is 1%, 990,000 won (100,000 won minus 10,000 won) is deposited into the landlord's account. However, this is merely an example, and if a fee is incurred for the payment and delivery of rent, the party bearing the fee may be the landlord, the tenant, or the service provider providing the service of one embodiment of the present disclosure, according to a predetermined method. The lease database records these fee settlement items and the final remittance amount together.

[0245] The computer device (100) calls a bank API or PG settlement server among the external servers (200) to execute an actual remittance instruction to the lessor's account (or corporate account). When successful, the computer device (100) updates the “lessor payment completed” field in the lease database and sends a notification message to the lessor.

[0246] When payment is completed, the computer device (100) displays a message to the landlord terminal (20) such as “The monthly rent of 1 million won paid by tenant ○○ has been deposited.” The landlord can view details such as the payment amount, payment date and time, and fees through the lease database.

[0247] A notification stating “Payment to Landlord Completed” is also sent to the tenant, guiding them to confirm that the monthly rent has been properly delivered. This significantly reduces the likelihood of disputes and allows the tenant easy access to follow-up procedures, such as issuing receipts.

[0248] The computer device (100) can issue a certificate of payment related to rent at the request of the landlord or tenant. Both parties can use it to prevent disputes and as a tax document by specifying the payment date, amount, transaction approval code, etc. of the rent.

[0249] When a tenant makes a payment for multiple real estate properties at once, the computer device (100) can distribute and pay the payment amount to each property and landlord. The computer device can calculate the monthly rent for each real estate property ID in the lease database, identify the landlord, and perform a split remittance logic.

[0250] In the case of a corporate lessor, the computer device (100) automatically generates a receipt suitable for corporate accounting processing by linking with a business account or corporate card payment. The lessor's business information (business registration number, industry type, etc.) is also recorded in the lease database to simplify the tax reporting procedure.

[0251] The same logic applies to commercial or office rentals. If management fees and utility charges are separate from the monthly rent, the computer device (100) also records the management fee item in a separate lease database field, collects them together from the tenant, and pays them to the landlord.

[0252] The computer device (100) automatically generates a proof of rent payment document based on the corresponding monthly rent payment history when a landlord or tenant viewing the payment history clicks the “Issue Proof Document” button or sends an API request. The proof document can be printed in the form of a PDF, an electronic document, or a paper document.

[0253] The rent payment certificate may include items such as the name of the lessee, the name of the lessor and business information (if necessary), the leased object, the amount paid, the date of payment, the payment method, the payment approval code, and the contract identifier, and the computer device (100) searches for and aggregates this information from the lease database and inserts it into a document template.

[0254] The computer device (100) calls a document generation module to insert data (payment date, amount, contract number, etc.) to be included in the certificate. The computer device (100) can additionally add a document header, a signature field, and a unique number (barcode, QR code, etc.) to prevent forgery or alteration. The landlord and tenant download or print the result and use it.

[0255] The lessee receives a “monthly rent payment certificate for year-end tax settlement” through the computer device (100) according to the present invention. The certificate contains the lessee’s name, contract information, actual payment amount (monthly total), payment date, and information of the lessor (business owner). The lessee submits this document to a tax office or a company’s HR / accounting department to receive income deduction or tax credit.

[0256] The landlord receives documents for reporting rental income based on the monthly rent payment history (annual total amount, distribution details per tenant, etc.) recorded in the lease database. The computer device (100) aggregates items such as the total monthly rent by period, fees, and late fees, and provides them to the landlord. The landlord's business information, such as the business registration number, corporate name, and business type, can also be automatically included.

[0257] In some embodiments, the computer device (100) may be implemented to directly electronically submit rental income reporting documents by linking with a tax agency API. The landlord simplifies the rental income reporting process without manual entry.

[0258] Further embodiments of the present invention will be described below.

[0259] The computer device (100) monitors 'accident information' occurring in the lease contract in various ways. For example, the computer device (100) can collect accident cases such as an accident where the landlord did not return the security deposit on time, an accident where the tenant failed to pay rent for a long period or failed to fulfill the obligation to restore the property to its original condition, legal disputes, claims for damages, bankruptcy filings, etc. The computer device (100) receives the fact of such accident occurrence in the form of accident notifications from external agencies (courts, real estate agency reporting systems, etc.) or users (tenants, landlords, etc.).

[0260] Such incident information may be collected or monitored in the following ways, and the methods described below are merely examples and are not limited thereto. A tenant may directly register a report of “non-return of security deposit” in the system. A landlord may register the fact that a specific tenant is “three months overdue on rent.” Public information (e.g., court judgment, financial seizure notice, etc.) transmitted from an external server (200) may also be received and reflected as an incident record. The computer device (100) receives the type of incident, the subject (landlord or tenant), the date of the incident, a detailed description, etc.

[0261] When a computer device (100) receives an incident notification, it identifies a lease database key that indicates which user (lessor / lessee) is associated with and which contract (record) is linked. For example, when an incident is received stating “lessor A did not return the security deposit,” it searches for a record in the lease contract table in the lease database where the lessor ID is A.

[0262] The lease database of the present invention can store accident-related data as separate records through a lease accident table. The accident record includes the type of accident (non-return of deposit, non-payment of monthly rent, etc.), date and time of occurrence, related user ID (lessor / lessee), contract identifier, region, detailed contents, etc. The computer device (100) joins this table with the lease contract table, user table, etc., to perform logic for identifying other items / contracts owned by Lessor A together in an accident where Lessor A did not return the deposit.

[0263] For example, in the case of landlord-perspective thinking, the computer device searches through multiple records in the property table and lease contract table for landlord ID A to identify what contracts landlord A is currently under with tenants. In the case of tenant-perspective thinking (e.g., unpaid rent), the computer device can check other contracts for tenant ID B to determine if there is a history of duplicate incidents or if there is a concern for similar damage in currently ongoing contracts.

[0264] When the computer device (100) receives accident information, it first identifies the parties involved in the accident (lessor and lessee). In the event of an accident involving the non-return of a security deposit, it finds the lessor ID and searches the real estate property table and lease contract table to find out who the lessees are for other leased properties owned by that lessor.

[0265] The computer device (100) can transmit a warning notification to relevant parties when an accident related to the lease is detected. For example, when an accident occurs on the landlord's side (e.g., failure to return the security deposit), a warning notification stating “an accident has occurred with Landlord A” can be transmitted to tenants directly or indirectly linked to the landlord (the scope may be limited depending on the settings). Additionally, for example, when an accident occurs on the tenant's side (e.g., overdue rent, failure to restore the property to its original condition), the ‘history of the tenant’s past accidents’ can be shared with other landlords contracted with the same tenant (B). The present invention determines the level of information to be disclosed (e.g., notifying only the existence of a simple accident vs. conveying detailed reasons) in compliance with system policies and legal regulations.

[0266] The computer device (100) generates and transmits an “accident notification” message to a target, such as a tenant terminal (10) or a landlord terminal (20). The content of the message is “Tenant B has long-term non-payment of monthly rent in another contract” or “an accident has occurred regarding the non-return of the security deposit to Landlord A,” etc. Transmission channels may include SMS, app push, email, etc., and logs are recorded through a notification table.

[0267] In some embodiments, to protect personal information and prevent defamation, the entire incident history may not be shared, and a notice limited to "user of concern" may be provided. It is possible to operate at a level where Landlord A refers to Tenant B's credit risk based on an internal score.

[0268] By mapping the lease database and accident information, the computer device (100) warns multiple stakeholders in advance of cases that cause problems (such as the landlord's failure to return the security deposit or the tenant's non-payment of monthly rent). Tenants and landlords obtain additional information to assess each other's trustworthiness, and can prevent disputes or devise alternatives.

[0269] Tenants can avoid landlords who frequently fail to return security deposits, and landlords can be cautious of tenants with a history of overdue rent or damage. Even if an accident occurs, notifications are promptly sent to the relevant parties to reduce the spread of damage.

[0270] During lease transactions, the system systematically accumulates and verifies user behaviors (such as history of "long-term rent arrears") that cannot be identified solely through land registry transcripts or credit checks. This is a technical advantage that mitigates the uncertainty arising in the existing rental market.

[0271] Additionally, the computer device (100) can receive lease-related request information from a lessee or lessor terminal and transmit it to the other party, and receive request fulfillment information regarding the lease-related request information from the other party or the requester and update the lease database.

[0272] Information regarding lease-related requests refers to matters that the landlord or tenant requires of the other party in relation to the fulfillment of contractual or legal obligations. For example, a tenant's lease-related requests may include repair requests for items deemed to be the landlord's responsibility, such as repairing breakdowns in the house (or building) facilities (e.g., boilers, leaks), fixing structural defects, repairing exterior wall cracks, or replacing door locks. Additionally, for example, a landlord's lease-related requests may include requiring the tenant to observe duties of care regarding usage—such as preventing pipes from freezing in preparation for cold waves, replacing consumables (e.g., fluorescent lights), and maintaining hygiene—as well as conveying instructions regarding the prevention of damage to facilities within the leased property.

[0273] The computer device (100) can notify the other party's terminal (tenant terminal (10), landlord terminal (20)) when either the tenant or the landlord generates, uploads, or inputs lease-related request information. For example, if the tenant terminal (10) reports a boiler malfunction along with attached photos, the computer device (100) can transmit this to the landlord terminal (20) to induce action.

[0274] Lease-related request information may include the problem situation (“boiler hot water not coming out”), date and time of occurrence, type of request, urgency (“urgent”, “general”), estimated cost, scope of liability (whether the lessor / lessee bears the cost), etc. The computer device (100) structures this information and stores it in the lease-related request table of the lease database.

[0275] For example, in a tenant request scenario, the tenant registers a maintenance request within the system, such as “leakage occurred, water is leaking in the ceiling.” The computer device (100) identifies the relevant contract (tenant ID, property ID, etc.) in the lease database and sends a notification message (“tenant request occurred”) to the landlord.

[0276] As another example, in a landlord's request scenario, the landlord may notify the tenant of duties of care, such as "replacement of consumables" or "prevention of freezing in winter," and request the tenant to comply with them. The computer device (100) transmits the request entered from the landlord terminal (20) to the tenant terminal (10) in the form of a notification.

[0277] The computer device (100) displays a “request list” on a web or mobile app, and when each request is received, it sends a notification (push, SMS, email, etc.) to the other party. The lease database records the request ID, time of occurrence, processing status (waiting, in progress, completed), related contract identifier, etc.

[0278] Fulfillment information is data that specifically indicates how the other party processed the request. For example: “Landlord A completed boiler repairs, attached receipt from repair company,” “Tenant B replaced consumables (fluorescent lights) and bore the cost,” “The landlord delayed leak repairs for two weeks, causing the tenant to complain of inconvenience,” and so on. It may be in an unstructured natural language format or a structured language format.

[0279] The computer device (100) stores evidence, such as repair photos updated by the landlord and tenant, repair company receipts, and photos of freeze prevention measures, together in the lease database. It also records the time of completion of performance, processing costs, the party bearing the processing costs, and whether the processing costs have been settled, thereby preventing future disputes between the tenant and landlord.

[0280] The computer device (100) can find a record related to the request in the lease-related request table in the lease database and update the status, such as “processing completed,” “partially processed,” or “non-fulfillment.” If the landlord refuses or delays repairs, that fact remains in the “non-fulfillment” state and may serve as evidence for future legal disputes, such as reduction of monthly rent or exemption from payment obligations.

[0281] According to lease regulations, landlords must guarantee the use and enjoyment of the leased property; if a landlord neglects facility defects that prevent normal occupancy, the tenant may request a reduction in rent or refuse to pay. This invention systematically manages this process, enabling the tenant to secure grounds for a partial (or full) waiver of monthly rent if the landlord fails to comply after the tenant reports a boiler breakdown. Since this is recorded as a history in the lease database, it serves as objective evidence in the event of a dispute.

[0282] Likewise, if a tenant “neglects unauthorized damage,” the landlord can record a request for performance (“request for restoration”) in the lease database and confirm the fact of non-performance, using this as grounds for claiming damages. The present invention encourages the early resolution of problems through the recording of immediate notification and performance information.

[0283] In some embodiments, the computer device (100) may automatically calculate a reduction or exemption of the monthly rent for the period of failure to perform, or switch the lease agreement to an automatic termination state. For example, if the landlord fails to fulfill their obligations, the computer device (100) may reduce or exempt the tenant's rent payment until it receives information on the fulfillment of the request.

[0284] In some embodiments, lease-related requests and request fulfillment information may include not only text but also image forms, and the computer device (100) of the present disclosure may utilize a large language model to analyze text-form data and image-form data to analyze, generate, and record lease-related requests and request fulfillment information in a lease database.

[0285] The lease-related request information and request fulfillment information can be written by the sender in natural language regarding specific requirements or actions. For example, the lease-related request information may be specific requirements written in natural language by the tenant (or landlord), such as “water leak, water is dripping from the ceiling,” “suspected boiler breakdown, no hot water is coming out,” or “please turn on the heating overnight to prevent freezing.” The computer device (100) may receive this sentence as is in the app / web UI, or receive voice input and convert it into text.

[0286] The computer device (100) transmits a natural language sentence of a tenant (or landlord) to a large language model. For example, the computer device (100) can request the large language model by configuring it as JSON in the form of “{'prompt': 'I have been suffering for a week because of the leak. I wish the landlord would come quickly and fix the ceiling', 'context': {…}}”.

[0287] A large language model can analyze this text to extract which parts have problems, the urgency, and the desired action (repair, replacement, etc.), and return it in a structured format (e.g., JSON, key-value pairs) for recording in a lease database.

[0288] The large language model breaks down sentences according to rules pre-learned (or prompt-designed) in the invention system. For example: it can analyze the problem scope ('leakage', 'boiler breakdown', 'heating and cooling', 'consumable replacement', 'etc.'), urgency ('urgent', 'medium', 'low', etc.), and request type ('repair request', 'duty of care required', 'management fee adjustment', etc.). The computer device (100) stores the structured information analyzed by the large language model (e.g., {"issue": "leakage", "urgency": "urgent", "description": "ceiling leak, water has been leaking for a week"}) in a lease database.

[0289] The present invention has columns for request type, urgency, and problem status according to the lease database schema, and maps the results of a large language model directly. The results returned by the large language model are linked with required fields (e.g., property ID, contract identifier, user ID, etc.) to create records in a lease-related request table.

[0290] If the natural language is too ambiguous, the large language model may produce results with low reliability (probability). In this case, the computer device (100) can automatically convey a request for supplementation to the tenant / landlord, such as “The explanation is ambiguous. Please enter more specific information.”

[0291] The computer device (100) can apply structured request information to a large language model or format template and transmit it to the landlord (or tenant) in a standardized format. For example, the computer device uses organized phrases in the notification / message format, such as “Current leak (ceiling) problem, Urgency=High, Request='Dispatch repair personnel, Remove ceiling leak'”.

[0292] The present invention reuses the natural language generation function of a large language model to remove unnecessary emotional expressions and inaccurate expressions when conveying to the other party, and organizes them into a standardized style such as “Estimated repair cost: approximately 100,000 to 200,000 won.” Landlords and tenants receive concise and unified format messages and can understand them immediately.

[0293] If you wish to attach photo or video evidence, the big language model can generate a guidance message ("Would you like to share this photo with the landlord?") and, after the tenant's approval, record it in the lease database or generate a transmission link. Additionally, the big language model may request other materials, such as photos and videos, or specific explanations regarding lease-related requests, if necessary.

[0294] When the landlord uploads natural language text such as “A boiler technician visited today and completed the repair. Repair cost of 150,000 won was charged,” the computer device (100) calls the massive language model again to analyze the request fulfillment information. The massive language model returns a structured result such as “issue_solved: true, cost: 150000, next_step: none”.

[0295] The computer device (100) updates the status from non-performance to performance completion and sends a standardized notification to the tenant, such as “Boiler repair is complete. The cost was borne by the landlord.” If the tenant is legally or contractually required to bear the cost of consumables, the details of the cost sharing can be automatically calculated and recorded in a payment history table or a lease-related request table.

[0296] If the lessee resolves matters for which the lessor is to bear the costs at their own expense, the lessee may write the details regarding this in the request fulfillment information, and the computer device (100) may require the attachment of such evidence (e.g., a repair cost receipt) if evidence regarding the lessee's claim is required through analysis of the request fulfillment information.

[0297] Since implementation details (before and after repair photos, audio recordings, etc.) analyzed by a massive language model are clearly organized and stored in the lease database, it is easy to review the records even if disputes regarding "repair complaints" or "incomplete work" arise in the future.

[0298] Even without knowing technical terms or specific forms, tenants and landlords can "freely write what they want," and a massive language model structures this and reflects it in the lease database, reducing the cumbersome task of searching for forms and drafting documents in practice and significantly simplifying service usage.

[0299] Since a large-scale language model performs functions such as linguistically neutral expression and extracting key content, conflicts arising from emotional expressions between landlords and tenants are reduced. Notifications are delivered through standardized language, enabling the other party to understand and respond immediately.

[0300] Structured data is clearly accumulated in the lease database, enabling the automatic calculation or recording of maintenance obligations or grounds for rent reductions. Instead of landlords and tenants negotiating the entire process merely "verbally," the results of a massive language model (evidence and performance information) remain, allowing for a clear distinction of liability.

[0302] This invention effectively minimizes non-payment or arrears of rent by automatically verifying mandatory rent payment items in a lease agreement and safely paying monthly rent using multiple pre-registered payment methods (first priority, second priority, etc.). Since it automatically detects payment failures and attempts alternative payment methods, payment-related disputes between tenants and landlords can be significantly reduced.

[0303] Through technologies such as OCR (Optical Character Recognition), electronic document parsing, and the use of large language models, it automatically detects missing essential items in lease agreements, including landlord and tenant names, rent, lease period, and signature fields. If omissions or recognition errors are detected, the tenant is immediately notified to upload supplementary information, thereby reducing the rate of errors and disputes during the contract drafting stage.

[0304] Either the tenant or the landlord can convey to the other party requests regarding obligations to repair facilities (such as repairing boiler breakdowns, leaks, or bearing maintenance costs) and obligations of care (such as preventing freezing or restoring the property to its original condition), and record the details of such fulfillment in the lease database. Since the computer device (100) systematically manages whether the obligations have been fulfilled, it clearly secures supporting evidence even when legal disputes arise, such as a reduction in monthly rent or refusal to pay, because one party has not fulfilled their obligations.

[0305] This invention structures requests written in natural language by tenants or landlords (e.g., repair requests, contract modification requests) through a large language model and transmits them to the other party using standardized expressions. Through this, users (tenants and landlords) can easily make requests for desired matters without knowing complex technical terms or forms, and can concisely check notifications and processing results.

[0306] By automatically saving monthly rent payment records to a single database, tenants can easily obtain rent payment certificates for year-end tax settlements, and landlords can conveniently obtain documents for reporting rental income. Administrative burden is reduced as tax filing and accounting processing can be performed without manual work by referring to approval codes, payment dates, and business registration information recorded in the lease database.

[0307] When an incident occurs, such as a tenant’s long-term non-payment of monthly rent or a landlord’s failure to return the security deposit, a computer device (100) identifies other related contracts and users through a lease database and processes the incident information by sharing and notifying them. Through this, landlords and tenants can quickly recognize the incident and prepare countermeasures, thereby preventing the spread of damage and transparently managing rights and relationships.

[0308] Since procedures for drafting, modifying, and supplementing lease agreements, fulfilling obligations such as monthly rent payments and maintenance, and reporting incidents are all recorded and tracked within the system, disputes between landlords and tenants are significantly reduced. When necessary, objective discussions based on electronic documents and evidence become possible, demonstrating a technological effect that enhances credibility and safety in the rental market.

[0310] FIG. 4 illustrates a brief and general schematic diagram of an exemplary computing environment in which embodiments of the present disclosure may be implemented.

[0311] Although the present disclosure has been described as generally being implementable by a computer device, those skilled in the art will understand that the present disclosure may be implemented in combination with computer-executable instructions and / or other program modules that can be executed on one or more computers and / or as a combination of hardware and software.

[0312] Generally, a program module includes routines, programs, components, data structures, etc., that perform a specific task or implement a specific abstract data type. Furthermore, those skilled in the art will be well aware that the method of the present disclosure may be implemented in other computer system configurations, including single-processor or multi-processor computer systems, minicomputers, mainframe computers, as well as personal computers, handheld computer devices, microprocessor-based or programmable consumer electronics, etc. (each of which may be connected to and operated with one or more associated devices).

[0313] The embodiments described in this disclosure may also be implemented in a distributed computing environment in which tasks are performed by remote processing devices connected via a communication network. In a distributed computing environment, program modules may be located in both local and remote memory storage devices.

[0314] Computers typically include various computer-readable media. Any medium accessible by a computer may be a computer-readable medium, and such computer-readable media include volatile and non-volatile media, transitory and non-transitory media, and removable and non-removable media. By example, but not limiting, computer-readable media may include computer-readable storage media and computer-readable transmission media. Computer-readable storage media include volatile and non-volatile media, transitory and non-transitory media, and removable and non-removable media implemented by any method or technique for storing information such as computer-readable instructions, data structures, program modules, or other data. Computer-readable storage media include, but are not limited to, RAM, ROM, EEPROM, flash memory or other memory technologies, CD-ROM, DVD (digital video disk) or other optical disk storage devices, magnetic cassettes, magnetic tapes, magnetic disk storage devices or other magnetic storage devices, or any other media that can be accessed by a computer and used to store desired information.

[0315] Computer-readable transmission media typically include all information transmission media that implement computer-readable instructions, data structures, program modules, or other data, etc., on a modulated data signal, such as a carrier wave or other transport mechanism. The term modulated data signal means a signal in which one or more of the characteristics of the signal are set or modified to encode information within the signal. By example, not limiting, computer-readable transmission media include wired media, such as wired networks or direct-wired connections, and wireless media, such as acoustic, RF, infrared, and other wireless media. Any combination of the media described above is also considered to be within the scope of computer-readable transmission media.

[0316] An exemplary environment (1100) for implementing various aspects of the present disclosure, including a computer (1102), is shown, wherein the computer (1102) includes a processing unit (1104), system memory (1106), and a system bus (1108). The system bus (1108) connects system components, including system memory (1106) (but not limited thereto), to the processing unit (1104). The processing unit (1104) may be any processor among various commercial processors. Dual processor and other multiprocessor architectures may also be used as the processing unit (1104).

[0317] The system bus (1108) may be any of several types of bus structures that can be additionally interconnected to a local bus using any of the memory bus, peripheral bus, and various commercial bus architectures. System memory (1106) includes read-only memory (ROM) (1110) and random access memory (RAM) (1112). The basic input / output system (BIOS) is stored in non-volatile memory (1110), such as ROM, EPROM, EEPROM, etc., and this BIOS includes basic routines that help transfer information between components within the computer (1102) at times such as during startup. The RAM (1112) may also include high-speed RAM, such as static RAM, for caching data.

[0318] The computer (1102) also includes an internal hard disk drive (HDD) (1114) (e.g., EIDE, SATA)—this internal hard disk drive (1114) may also be configured for external use within a suitable chassis (not shown)—a magnetic floppy disk drive (FDD) (1116) (e.g., for reading from or writing to a removable diskette (1118)), and an optical disk drive (1120) (e.g., for reading from a CD-ROM disk (1122) or reading from or writing to other high-capacity optical media such as a DVD). The hard disk drive (1114), the magnetic disk drive (1116), and the optical disk drive (1120) may each be connected to the system bus (1108) by a hard disk drive interface (1124), a magnetic disk drive interface (1126), and an optical drive interface (1128). The interface (1124) for implementing an external drive includes at least one or both of USB (Universal Serial Bus) and IEEE 1394 interface technologies.

[0319] These drives and associated computer-readable media provide non-volatile storage of data, data structures, computer-executable instructions, etc. In the case of a computer (1102), the drives and media correspond to storing any data in a suitable digital format. Although the description of computer-readable media above refers to HDDs, removable magnetic disks, and removable optical media such as CDs or DVDs, those skilled in the art will know that other types of computer-readable media, such as zip drives, magnetic cassettes, flash memory cards, cartridges, etc., may also be used in exemplary operating environments and that any of these media may contain computer-executable instructions for performing the methods of the present disclosure.

[0320] A number of program modules, including an operating system (1130), one or more application programs (1132), other program modules (1134), and program data (1136), may be stored in the drive and RAM (1112). All or part of the operating system, application, module and / or data may also be cached in RAM (1112). It will be well known that the present disclosure may be implemented in various commercially available operating systems or combinations of operating systems.

[0321] The user can input commands and information into the computer (1102) through one or more wired / wireless input devices, such as a pointing device like a keyboard (1138) and a mouse (1140). Other input devices (not shown) may include a microphone, an IR remote control, a joystick, a game pad, a stylus pen, a touch screen, etc. These and other input devices are often connected to the processing unit (1104) via an input device interface (1142) connected to the system bus (1108), but may also be connected via other interfaces such as a parallel port, an IEEE 1394 serial port, a game port, a USB port, an IR interface, etc.

[0322] A monitor (1144) or other type of display device is also connected to the system bus (1108) via an interface such as a video adapter (1146). In addition to the monitor (1144), the computer generally includes other peripheral output devices (not shown), such as speakers, a printer, and so on.

[0323] The computer (1102) may operate in a networked environment using a logical connection to one or more remote computers, such as remote computer(s) (1148), via wired and / or wireless communication. The remote computer(s) (1148) may be a workstation, a computing device computer, a router, a personal computer, a portable computer, a microprocessor-based entertainment device, a peer device, or other conventional network node, and generally include many or all of the components described for the computer (1102), but for brevity, only the memory storage device (1150) is illustrated. The illustrated logical connection includes a wired / wireless connection to a local area network (LAN) (1152) and / or a larger network, e.g., a wide area network (WAN) (1154). Such LAN and WAN networking environments are common in offices and companies and facilitate enterprise-wide computer networks, such as intranets, all of which can be connected to a global computer network, e.g., the Internet.

[0324] When used in a LAN networking environment, the computer (1102) is connected to a local network (1152) via a wired and / or wireless communication network interface or adapter (1156). The adapter (1156) may facilitate wired or wireless communication to the LAN (1152), and the LAN (1152) may also include a wireless access point installed therein to communicate with the wireless adapter (1156). When used in a WAN networking environment, the computer (1102) may include a modem (1158), be connected to a communication computing device on the WAN (1154), or have other means to establish communication through the WAN (1154), such as through the Internet. The modem (1158), which may be an internal or external and a wired or wireless device, is connected to the system bus (1108) via a serial port interface (1142). In a networked environment, the program modules described for the computer (1102) or parts thereof may be stored in a remote memory / storage device (1150). It will be well known that the illustrated network connection is exemplary and that other means of establishing a communication link between computers may be used.

[0325] The computer (1102) operates to communicate with any wireless device or object that is deployed and operated via wireless communication, for example, a printer, scanner, desktop and / or portable computer, PDA (portable data assistant), communication satellite, any equipment or place associated with a wireless detectable tag, and a telephone. This includes at least Wi-Fi and Bluetooth wireless technologies. Accordingly, the communication may be a predefined structure as in a conventional network, or simply ad hoc communication between at least two devices.

[0326] Wi-Fi (Wireless Fidelity) enables connectivity to the Internet and other sources without wires. Wi-Fi is a wireless technology, similar to a cell phone, that allows devices, such as computers, to transmit and receive data indoors and outdoors—that is, anywhere within the coverage area of ​​a base station. Wi-Fi networks use a wireless technology called IEEE 802.11 (a, b, g, etc.) to provide secure, reliable, and high-speed wireless connections. Wi-Fi can be used to connect computers to each other, to the Internet, and to wired networks (using IEEE 802.3 or Ethernet). Wi-Fi networks can operate in unlicensed 2.4 and 5 GHz wireless bands, for example, at data rates of 11 Mbps (802.11a) or 54 Mbps (802.11b), or in products that include both bands (dual band).

[0327] Those skilled in the art of the present disclosure will understand that information and signals may be represented using any various different technologies and techniques. For example, data, instructions, commands, information, signals, bits, symbols, and chips that may be referenced in the above description may be represented by voltages, currents, electromagnetic waves, magnetic fields or particles, optical fields or particles, or any combination thereof.

[0328] Those skilled in the art will understand that the various exemplary logic blocks, modules, processors, means, circuits, and algorithm steps described in connection with the embodiments disclosed herein may be implemented by electronic hardware, various forms of programs or design code (referred to herein as software for convenience), or a combination of all such. To clearly illustrate this interoperability between hardware and software, various exemplary components, blocks, modules, circuits, and steps have been generally described above in relation to their functions. Whether such functions are implemented as hardware or software depends on the design constraints imposed on the specific application and the overall system. Those skilled in the art may implement the functions described in various ways for each specific application, but such implementation decisions should not be interpreted as being outside the scope of this disclosure.

[0329] The various embodiments presented herein may be implemented as methods, devices, or articles manufactured using standard programming and / or engineering techniques. The term "article manufactured" includes a computer program, a carrier, or a medium accessible from any computer-readable storage device. For example, computer-readable storage media include, but are not limited to, magnetic storage devices (e.g., hard disks, floppy disks, magnetic strips, etc.), optical discs (e.g., CDs, DVDs, etc.), smart cards, and flash memory devices (e.g., EEPROMs, cards, sticks, key drives, etc.). Additionally, the various storage media presented herein include one or more devices and / or other machine-readable media for storing information.

[0330] It should be understood that the specific order or hierarchy of steps in the presented processes is an example of exemplary approaches. It should be understood that the specific order or hierarchy of steps in the processes may be rearranged within the scope of this disclosure based on design priorities. The appended method claims provide elements of various steps in a sample order, but do not imply being limited to the specific order or hierarchy presented.

[0331] Description of the presented embodiments is provided so that a person skilled in the art may use or practice the present disclosure. Various modifications to these embodiments will be apparent to a person skilled in the art, and the general principles defined herein may be applied to other embodiments without departing from the scope of the present disclosure. Thus, the present disclosure is not limited to the embodiments presented herein, but should be interpreted in the broadest possible scope consistent with the principles and novel features presented herein.

Claims

Claim 1 A computer program stored on a computer-readable storage medium, wherein the computer program performs the following methods for rent payment, the method comprising: a step of recognizing a lease agreement uploaded by at least one of the parties involved in the lease agreement and extracting essential items for rent payment; a step of performing verification of the essential items for rent payment and requesting the relevant party to upload supplementary items if there are omissions or recognition errors; a step of registering two or more payment methods in order of priority as rent payment methods for the tenant when the verification of the essential items for rent payment is completed; a step of attempting rent payment through the first priority payment method on a preset rent payment date and, if payment failure occurs, retrying rent payment through the second priority payment method; and, if rent payment is successful, storing the payment details in a lease database and paying the monthly rent received from the tenant to the landlord. A step of monitoring accident information related to a lease agreement and, upon receiving said accident information, identifying one or more records related to said accident information in said lease database and transmitting an accident notification to a lessor terminal or a lessee terminal directly or indirectly related to said one or more identified records; a step of receiving lease-related request information regarding a counterparty from a lessee terminal or a lessor terminal, updating said lease-related request information in said lease database, and transmitting it to the counterparty terminal; a step of receiving request fulfillment information based on said lease-related request information from said counterparty terminal and updating said lease database; and a step of enabling the lessor and the lessee to view payment history stored in said lease database and generating a rent payment certificate document upon the request of said lessor or lessee.A computer program stored on a computer-readable storage medium, comprising: a step of performing verification of the essential items for rent payment and requesting supplementary uploads from the relevant party if there are omissions or recognition errors, wherein the step includes recognizing the format of the lease agreement, extracting essential items for rent payment including the landlord's name, tenant's name, rent, lease period, leased property, and signature, and receiving verification results from a tenant terminal or a large language model. Claim 2 A computer program stored on a computer-readable storage medium according to claim 1, wherein the step of attempting to pay the rent through a first-priority payment method on the preset rent payment date and, if payment failure occurs, retrying to pay the rent through a second-priority payment method comprises: a step of determining the cause of payment failure of the first-priority payment method as at least one of exceeding a limit, insufficient balance, and communication failure; and a step of transmitting an unpaid notification to a tenant terminal including at least one of the payment failure and the cause of payment failure. Claim 3 A computer program stored on a computer-readable storage medium, further comprising: a step of determining whether and when to perform the step of retrying rent payment through the second priority payment method based on the response of the lessee terminal to the unpaid notification in claim 2. Claim 4 delete Claim 5 In claim 1, the rent payment certificate is a computer program stored on a computer-readable storage medium, comprising the rent payment certificate for year-end tax settlement of the lessee or the rental income declaration document of the lessor. Claim 6 A computer program stored on a computer-readable storage medium, wherein, in claim 1, the step of attempting to pay the rent through a first-priority payment method on the preset rent payment date and, if payment failure occurs, retrying to pay the rent through a second-priority payment method includes the step of calling a payment API linked with a payment agency for the rent payment to check whether payment is approved. Claim 7 delete Claim 8 In claim 1, the payment details include a lessor, a lessee, rent, a lease period, a leased object, a payment method, a payment amount, a payment date, and lessor business information, and the lease database is a computer program stored on a computer-readable storage medium that provides the lessee and the lessor with the right to view different items. Claim 9 In claim 1, the lease database is a computer program stored on a computer-readable storage medium that stores each payment history as a single record based on the leased object, stores version information for said record, and keeps previous versions as separate records. Claim 10 delete Claim 11 delete Claim 12 A method for rent payment performed on one or more processors of a computer device, comprising: a step of recognizing a lease agreement uploaded by at least one of the parties involved in the lease agreement and extracting essential items for rent payment; a step of performing verification of the essential items for rent payment and requesting the relevant party to upload supplementary items if there are omissions or recognition errors; a step of registering two or more payment methods in order of priority as rent payment methods for the tenant when the verification of the essential items for rent payment is completed; a step of attempting rent payment through the first priority payment method on a preset rent payment date and, if payment failure occurs, retrying rent payment through the second priority payment method; and, if rent payment is successful, storing the payment details in a lease database and paying the monthly rent received from the tenant to the landlord. A step of monitoring accident information related to a lease agreement and, upon receiving said accident information, identifying one or more records related to said accident information in said lease database and transmitting an accident notification to a lessor terminal or a lessee terminal directly or indirectly related to said one or more identified records; a step of receiving lease-related request information regarding a counterparty from a lessee terminal or a lessor terminal, updating said lease-related request information in said lease database, and transmitting it to the counterparty terminal; a step of receiving request fulfillment information based on said lease-related request information from said counterparty terminal and updating said lease database; and a step of enabling the lessor and the lessee to view payment history stored in said lease database and generating a rent payment certificate document upon the request of said lessor or lessee.A method comprising: a step of performing verification of the essential items for rent payment and requesting supplementary uploads from the relevant party if there are omissions or recognition errors, wherein the step comprises recognizing the format of the lease agreement, extracting essential items for rent payment including the landlord's name, tenant's name, rent, lease period, leased property, and signature, and receiving verification results from a tenant terminal or a large language model. Claim 13 As a computer device, one or more processors; and memory storing instructions executable on the one or more processors; wherein the one or more processors recognize a lease agreement uploaded by at least one of the parties involved in the lease agreement and extract essential items for rent payment, perform verification of the essential items for rent payment and request the relevant party to upload supplementary items if there are omissions or recognition errors, and when the verification of the essential items for rent payment is completed, register two or more payment methods as rent payment methods for the tenant according to priority, attempt to pay the rent through the first priority payment method on a preset rent payment date and, if payment failure occurs, retry the rent payment through the second priority payment method, and if rent payment is successful, store the payment details in a lease database, pay the monthly rent received from the tenant to the landlord, monitor accident information related to the lease agreement, and when the accident information is received, identify one or more records related to the accident information in the lease database and transmit an accident notification to a landlord terminal or tenant terminal directly or indirectly related to the identified one or more records, and provide lease-related request information regarding the counterparty from the tenant terminal or landlord terminal. Receiving, updating the lease-related request information in the lease database, transmitting it to the counterparty terminal, receiving request fulfillment information based on the lease-related request information from the counterparty terminal and updating the lease database, and enabling the lessor and lessee to view payment history stored in the lease database, generating rent payment certificates upon the request of the lessor or lessee, and performing verification of the essential items for rent payment and requesting supplementary uploads from the relevant parties in the event of omissions or recognition errors, recognizing the format of the lease agreement, lessor name, lessee name, rent, lease period,A computer device comprising extracting essential items for rent payment, including the leased object and signature, and receiving a verification result from a lessee terminal or a large language model.

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