Rental contract management and reward payment system

Abstract

Disclosed is a computer program stored in a computer-readable storage medium. The computer program, when executed on one or more processors, performs the following method for managing a rental contract, and the method may comprise the steps of: acquiring rental contract information from at least one of a landlord terminal, a renter terminal, and a mediator terminal; verifying the validity of a rental contract on the basis of the rental contract information; generating payment completion information by acquiring payment information from the renter terminal and performing payment for the rental contract; and determining a reward to be paid to at least one of the landlord, the renter, and the mediator, on the basis of the payment completion information and the rental contract information.

Description

Lease contract management and reward payment system

[0001] The present disclosure relates to a service platform related to a rental contract, and more specifically, to a system for verifying and managing a rental contract, providing a payment system for monthly rent, and paying rewards.

[0002] Real estate lease transactions are common in modern society, with many people renting their homes to live in. However, while these transactions are common, they are not without risks, and the costs incurred when problems arise are significant.

[0003] Recently, South Korea has seen a sharp increase in rental-related incidents, such as jeonse (deposit) fraud and false jeonse (deposit) scams. These incidents not only cause significant financial losses to tenants, but also threaten housing stability, primarily affecting young people entering the workforce, and further fueling social unrest. For young people, who are poised to become the economic leaders of society, jeonse fraud poses not only a financial problem but can also hinder the growth of a generation.

[0004] As information asymmetry worsens due to increasingly sophisticated fraud techniques, it is difficult for victims to avoid these problems on their own.

[0005] Previously, systems related to lease transactions focused on digitizing or storing contracts. While these systems facilitated contract storage and access, their ability to verify contract validity and manage risks was severely limited.

[0006] Against this backdrop, a system that provides functions to verify and manage rental transactions is required.

[0007] The present disclosure is conceived based on the aforementioned background technology, and provides a system for verifying and managing lease agreements, providing a convenient means for paying monthly rent, and providing rewards accordingly.

[0008] To solve the above-described problem, a computer program stored in a computer-readable storage medium is disclosed. When the computer program is executed on one or more processors, it performs the following methods for managing a lease agreement, the methods including: obtaining lease agreement information from at least one of a landlord terminal, a tenant terminal, or a broker terminal; verifying the validity of a lease agreement based on the lease agreement information; obtaining payment information from the tenant terminal and performing a payment related to the lease agreement to generate payment completion information; and determining a reward to be paid to at least one of a landlord, a tenant, or a broker based on the payment completion information and the lease agreement information.

[0009] Alternatively or additionally, the lease agreement information may be obtained from at least one of optical character recognition (OCR) of the lease agreement or an electronic lease agreement.

[0010] Alternatively or additionally, the method may further include providing address information for creating the electronic lease agreement to at least one of the landlord terminal, the tenant terminal, or the broker terminal.

[0011] Alternatively or additionally, the lease agreement information may include contractor information, landlord information, tenant information, contract period information, contract amount information, leased property information, and special terms information.

[0012] Alternatively or additionally, the step of verifying the validity of a lease agreement based on the lease agreement information may include the step of comparing the lease agreement information with a lease database to detect a problematic contract.

[0013] Alternatively or additionally, the lease database may store information on one or more previous lease agreements, and store information on problem landlords, information on problem tenants, and information on problem rental properties obtained by analyzing the information on one or more previous lease agreements.

[0014] Alternatively or additionally, the problem landlord related information may include at least one of a landlord with a history of non-return of a security deposit, a landlord with a change in ownership of the leased property after the lease agreement, a landlord with a history of ownership of the leased property being changed to another problem landlord after the lease agreement, a landlord with a history of tax delinquency for the leased property, or a landlord with a history of auction for the leased property.

[0015] Alternatively or additionally, the problem tenant information may include at least one of a tenant with a history of non-payment of rent, a tenant with a history of subletting, a tenant with a history of non-compliance with lease terms, a tenant with a history of credit problems, or a tenant with a possible credit problem.

[0016] Alternatively or additionally, the problematic rental property may include at least one of a rental property with a history of rental accidents, a rental property with a history of incidents, a rental property with a history of facility problems, or a rental property with a possibility of rental accidents.

[0017] Alternatively or additionally, the lease database may update one or more previous lease agreement information, leased property owner information, leased property tax payment information, or leased property registration information at a predetermined interval.

[0018] Alternatively or additionally, the method may further include a step of performing abnormality detection for a lease contract based on the lease database at a predetermined cycle and, when an abnormality is detected, providing an abnormality notification for the lease contract to at least one of the landlord terminal, the tenant terminal, or the broker terminal.

[0019] Alternatively or additionally, the detection of anomalies for the lease agreement may be performed based on occurrence of an accident for another lease agreement of the lessor of the lease agreement information, change of the owner of the leased property, change of registration information for the leased property, or change of tax delinquency information for the leased property.

[0020] Alternatively or additionally, the method may further include a step of transmitting the payment completion information to the tenant terminal and the landlord terminal, a step of transmitting the payment completion information to a credit rating server for evaluating the tenant's credit rating, and a step of transmitting the payment completion information to a tax server for deduction of the tenant's income.

[0021] Alternatively or additionally, the step of determining a reward to be paid to at least one of the landlord, the tenant, or the broker based on the payment completion information and the lease agreement information may include a step of determining a reward to be paid based on at least one of the periodicity of the payment completion information, the maintenance period of the payment completion information, the tenant's credit rating, the contractual content of the lease agreement information, the payment method information of the payment completion information, the landlord's evaluation information on the tenant, or the tenant's evaluation information on the landlord.

[0022] Alternatively or additionally, if at least one of the lessor, the lessee or the broker incurs costs related to the lease agreement information, the method may further include a step of first deducting the reward.

[0023] Alternatively, a method for managing a lease agreement, which is executed on one or more processors of a computer device, is disclosed. The method may include: obtaining lease agreement information from at least one of a landlord terminal, a tenant terminal, or a broker terminal; verifying the validity of the lease agreement based on the lease agreement information; obtaining payment information from the tenant terminal and performing a payment for the lease agreement to generate payment completion information; and determining a reward to be paid to at least one of a landlord, a tenant, or a broker based on the payment completion information and the lease agreement information.

[0024] Alternatively, a computer device is disclosed. The computer device includes: one or more processors; and a memory storing instructions executable by the one or more processors; wherein the one or more processors are configured to obtain lease agreement information from at least one of a landlord terminal, a tenant terminal, or a broker terminal, verify the validity of the lease agreement based on the lease agreement information, obtain payment information from the tenant terminal to perform payment for the lease agreement to generate payment completion information, and determine a reward to be paid to at least one of a landlord, a tenant, or a broker based on the payment completion information and the lease agreement information.

[0025] The present disclosure may provide a system for verifying and managing a lease agreement, providing a convenient means for paying monthly rent, and providing rewards accordingly.

[0026] FIG. 1 is a block diagram of a computer device that performs methods for managing a lease agreement according to one embodiment of the present disclosure.

[0027] FIG. 2 is a system for performing methods for managing a lease agreement of one embodiment of the present disclosure.

[0028] FIG. 3 is a signal flow diagram of methods for managing a lease agreement according to one embodiment of the present disclosure.

[0029] FIG. 4 is a schematic diagram briefly illustrating a lease verification model of one embodiment of the present disclosure.

[0030] Various embodiments are now described with reference to the drawings. In this specification, various descriptions are provided to facilitate understanding of the present disclosure. However, it will be apparent that these embodiments may be practiced without these specific details.

[0031] As used herein, the terms "component," "module," "system," and the like refer to computer-related entities, hardware, firmware, software, a combination of software and hardware, or an execution of software. For example, a component may be, but is not limited to, a procedure running on a processor, a processor, an object, a thread of execution, a program, and / or a computer. For example, both an application running on a computing device and the computing device may be a component. One or more components may reside within a processor and / or a thread of execution. A component may be localized within a single computer. A component may be distributed between two or more computers. Furthermore, these components may execute from various computer-readable media having various data structures stored therein. Components may communicate via local and / or remote processes, for example, by signals comprising one or more data packets (e.g., data from one component interacting with another component in a local system, a distributed system, and / or data transmitted to another system via a network such as the Internet via signals).

[0032] Furthermore, the term "or" is intended to mean an inclusive "or" rather than an exclusive "or." That is, unless otherwise specified or clear from context, "X employs A or B" is intended to mean either of the natural inclusive permutations. That is, if X employs A; X employs B; or X employs both A and B, "X employs A or B" can apply to any of these cases. Furthermore, the term "and / or" as used herein should be understood to refer to and include all possible combinations of one or more of the associated items listed.

[0033] Additionally, the terms "comprises" and / or "comprising" should be understood to imply the presence of the features and / or components in question. However, it should be understood that the terms "comprises" and / or "comprising" do not exclude the presence or addition of one or more other features, components, and / or groups thereof. Furthermore, unless otherwise specified or clear from the context to refer to the singular form, the singular in the specification and claims should generally be construed to mean "one or more."

[0034] And, the term “at least one of A or B” should be interpreted to mean “if it includes only A”, “if it includes only B”, or “if it is combined in the composition of A and B”.

[0035] Those skilled in the art should further appreciate that the various illustrative logical blocks, configurations, modules, circuits, means, logics, and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both. To clearly illustrate the interchangeability of hardware and software, various illustrative components, blocks, configurations, means, logics, modules, circuits, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the overall system. Skilled artisans may implement the described functionality in varying ways for each particular application. However, such implementation decisions should not be interpreted as causing a departure from the scope of the present disclosure.

[0036] The description of the disclosed embodiments is provided to enable a person skilled in the art to make or use 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. Therefore, the present invention is not limited to the embodiments disclosed herein. The present invention is to be construed in the widest scope consistent with the principles and novel features disclosed herein.

[0037] In the present disclosure, network function, artificial neural network, artificial neural network network, and neural network may be used interchangeably.

[0038]

[0039] FIG. 1 is a block diagram of a computer device that performs methods for managing a lease agreement according to one embodiment of the present disclosure.

[0040] The configuration of the computer device (100) illustrated 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).

[0041] A computer device (100) may include a processor (110), memory (130), and network unit (150).

[0042] 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 a computer device.

[0043] 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).

[0044] In the present disclosure, the network unit (150) may be configured regardless of the communication mode, such as wired or wireless, and may be configured as various communication networks, such as a personal area network (PAN) and a wide area network (WAN). In addition, the network may be the well-known World Wide Web (WWW), and may also utilize a wireless transmission technology used for short-distance communication, such as infrared (IrDA: Infrared Data Association) or Bluetooth.

[0045] Through the network portion (150) of the present disclosure, the computer device (100) can communicate with other computer devices, for example, a user terminal, a data storage device storing data, a computer device that requires data exchange among multiple computer devices such as payment devices, a cloud data storage device, a cloud computer system for utilizing computing power, etc. The technologies described herein can be used not only in the networks mentioned above, but also in other networks.

[0046]

[0047] FIG. 2 is a system for performing methods for managing a lease agreement of one embodiment of the present disclosure.

[0048] A computer device (100) of one embodiment of the present disclosure can communicate with a landlord terminal (20), a tenant terminal (10), a broker terminal (30), and another computer device (server) (200). In the example of FIG. 2, a database (101) is depicted as an object independent of the computer device (100), but this is merely an example, and the database (101) may be a part of the computer device (100) or may be an independent object.

[0049] A computer device (100) of one embodiment of the present disclosure can perform a method for managing a lease agreement of one embodiment of the present disclosure. The computer device (100) of one embodiment of the present disclosure may be, for example, a lease-related brokerage platform server.

[0050] The computer device (100) can obtain lease agreement information from at least one of a lessor terminal, a lessee terminal, or a broker terminal. The lease agreement information can be obtained from at least one of optical character recognition (OCR) of a lease agreement or an electronic lease agreement.

[0051] The landlord (or agent), the tenant, and the broker may gather in one location (e.g., a real estate agent's office) to write a lease agreement. In this case, at least one of the landlord, the tenant, or the broker may take a picture of the lease agreement and transmit it to a computer device (100). The computer device (100) may obtain the contents of the lease agreement by using optical character recognition from the image of the lease agreement.

[0052] Additionally, the computer device (100) may provide address information for creating an electronic lease agreement to at least one of the landlord terminal (20), the tenant terminal (10), or the broker terminal (30). In this case, the landlord, tenant, or broker may use a terminal of their own to access the address and create an electronic lease agreement.

[0053] Lease agreement information may include information about the contractor, landlord, tenant, contract term, contract amount, leased property, and special provisions. Contractor information may include information about the person who actually executed the contract, if a representative is present. Lease property information may include all information related to the leased property, including basic information about the leased property (e.g., address, size, building register information, etc.), registration information, tax information, ownership history, and surrounding environmental information.

[0054] The computer device (100) can verify the validity of a lease agreement based on the acquired lease agreement information. The computer device (100) can compare the lease agreement information with a lease database to detect problematic lease agreements. A problematic lease agreement may refer to a lease agreement with a potential for problems. For example, a problematic lease agreement may include a lease agreement with a potential for non-return of the rental deposit, a lease agreement with a potential for non-payment of rent, a lease agreement with a potential for damage to the leased property, or a lease agreement with a potential for crime, such as fraud.

[0055] The lease database (101) can store information related to lease agreements. The computer device (100) can analyze the information stored in the lease database (101) to generate criteria for determining problematic contracts, and these criteria can also be stored in the lease database (101). For example, the lease database (101) can store information related to problematic landlords, information related to problematic tenants, and information related to problematic rental properties, obtained through analysis of previous lease agreement information.

[0056] Information about problematic landlords may include information about landlords and their associates who have a history of or are likely to cause problems with their leases. For example, information about problematic landlords may include at least one of the following: a landlord with a history of non-return of a security deposit; a landlord whose leased property changed ownership after the lease agreement (in this case, this may include the previous landlord and the new owner); a landlord whose leased property changed ownership to a different problematic landlord after the lease agreement (for example, if ownership changed to a landlord with a history of non-return of a security deposit, the landlord who entered into the lease agreement may be involved in a lease-related accident); a landlord with a history of delinquent taxes on the leased property; or a landlord whose leased property has been auctioned. If a landlord is determined to have a relationship with another problematic landlord (for example, due to a family relationship with another problematic landlord, a relationship related to the leased property, etc.), the landlord may be classified as a problematic landlord. Additionally, if multiple lease agreements related to a specific landlord are collected, the landlord may be classified as a problematic landlord. For example, the computer device (100) may classify a specific landlord as a problematic landlord if a predetermined number of rental contracts are collected within a predetermined geographical range within a predetermined period of time and with a specific landlord or a person related to the specific landlord as a landlord or contractor, or other related parties to the rental contract. In addition, the computer device (100) may classify a specific landlord as a problematic landlord based on credit information about the landlord. The computer device (100) may obtain credit information about the landlord through another computer device (100) and use this information to determine the landlord as a problematic landlord.Such credit information may include information provided by a credit information rating agency, and may also include information obtained through an alternative credit rating based on information such as past rental history, income, and consumption of the lessor in the computer device (100) of one embodiment of the present disclosure.

[0057] Problem tenant information may include information about tenants and their associates who have a history of or are likely to cause problems with the lease. For example, problem tenant information may include tenants with a history of non-payment of rent, tenants with a history of subletting, tenants with a history of non-compliance with lease terms, tenants with a history of credit problems, tenants with potential credit problems, and tenants with a criminal record. Tenants with potential credit problems may include credit information obtained from credit reporting agencies or alternative credit rating models.

[0058] Problem rental properties may include information about rental properties that have a history of problems or are likely to have problems related to the lease agreement. For example, a problem rental property may include at least one of the following: a rental property with a history of rental accidents, a rental property with a history of incidents or accidents, a rental property with a history of facility problems, or a rental property with a potential for rental accidents. For example, if a rental property has previously experienced a rental-related incident (e.g., non-return of a security deposit) that resulted in the property being auctioned or otherwise, the rental property may be classified as a problem rental property with a history of rental accidents. In addition, for example, the computer device (100) may classify a rental property that is likely to cause a rental accident as a problematic rental property based on information that can be obtained from a government agency server such as a registration office, information that can be obtained from press releases related to the area of ​​the rental property, such as whether there is a history of tax delinquency for the rental property, whether a first lien has been established, whether the ownership relationship is unclear, whether the division of shared ownership is unclear, whether there is a possibility of a problem with the right to install the rental property such as a surface right, or whether the rental property is located in the same geographical range as another rental property that has caused an accident (e.g., within a predetermined distance, in the same administrative district, etc.).

[0059] The computer device (100) can update the lease database at a predetermined cycle. The computer device (100) of one embodiment of the present disclosure can not only determine the possibility of an accident related to a lease agreement before the lease agreement is concluded, but can also verify the possibility of an accident related to the lease agreement at a predetermined cycle even during the period of establishing the lease agreement and the period during which the tenant resides in the leased property (e.g., the lease period), so that the landlord or tenant can proactively respond to a potential problem when a problem arises. The computer device (100) can update one or more of the previous lease information, the leased property owner information, the leased property tax payment information, or the leased property registration information of the lease database (101) at a predetermined cycle.

[0060] For example, if a lease database (101) is updated during a lease period and a change in ownership of a leased object related to a lease agreement is detected, there is a possibility that a problem may arise with respect to the lease agreement. Therefore, the computer device (100) can classify the leased object as a problematic leased object and store it in the lease database (101), and transmit such information to the terminals of the parties related to the lease agreement.

[0061] In addition, the computer device (100) can comprehensively determine information related to other lease agreements stored in the lease database. For example, if the lease database (101) detects multiple instances of ownership of a leased property changing to a specific person during the lease period, the computer device (100) can notify of a potential problem for all leased properties related to that specific person. For example, the so-called "Villa King" cases, which have been widely reported, involve fraudulently transferring the leased property to a third party who cannot return the deposit after the lease agreement is concluded. To this end, the third party (the "Villa King") who cannot return the deposit acquires ownership of multiple leased properties in a short period of time. Even if the new owner, Villa King, is not the landlord who caused the problem previously, there is a possibility that he or she may cause problems related to the lease by acquiring ownership of multiple leased properties. Therefore, the computer device (100) can detect such instances and determine to notify of a potential problem for all lease agreements related to Villa King. To this end, the computer device (100) can exchange information with another computer device (100) to update data stored in the rental database (101).

[0062] The computer device (100) can perform updates on the rental database (101). The computer device (100) can detect abnormal signs for the rental contract at a predetermined cycle based on the rental database (101). When an abnormal sign is detected, the computer device (100) can provide a notification of an abnormal sign for the rental contract to at least one of the landlord terminal, the tenant terminal, and the broker terminal. As described above, the notification of an abnormal sign related to the rental contract can be performed not only for the rental contract in question but also for related parties of other rental reservations managed by the computer device (100) (e.g., landlords, tenants, brokers, etc. of other rental contracts).

[0063] The computer device (100) can detect the occurrence of anomalies in a lease agreement based on changes in the lease agreement information, such as an accident involving the lessor's other lease agreements, a change in the owner of the leased property, a change in registration information regarding the leased property, or a change in tax delinquency information regarding the leased property. The computer device (100) can also detect the occurrence of anomalies related to individual lease agreements, and can detect the occurrence of anomalies by synthesizing information regarding multiple lease agreements.

[0064] As described above, in cases where multiple transfers of ownership of a leased property occur to a specific person, the computer device (100) stores information related to all lease contracts in the lease database (101), and thus can detect multiple ownership changes. The computer device (100) can notify the parties involved in the lease contracts related to all leased properties in which the specific person has acquired ownership of any abnormality. In addition, when the specific person acquires another ownership in the future, the computer device (100) can notify the parties involved in the lease contracts related to the acquisition of ownership of any abnormality. This analysis is possible because the computer device (100) stores information related to multiple lease contracts in the lease database (101). In other words, even if the ownership transfer is not problematic when viewed individually, the computer device (100) can determine that multiple such ownership transfers are abnormal.

[0065] A computer device (100) of one embodiment of the present disclosure collects information related to various lease agreements and, based on the collected information, informs the parties to the lease agreement of the possibility of problems related to the lease not only at the time of the lease agreement but also during the lease agreement period, thereby preventing accidents related to the lease agreement.

[0066] The computer device (100) can obtain payment information from the tenant terminal (10) and perform payment for the lease agreement to generate payment completion information. For example, the computer device (100) can transmit an access address for card payment of monthly rent to the tenant terminal (10), or can receive payment information performed by the tenant terminal (10) through a separate payment server (200) to generate payment completion information related to the lease agreement. In the past, monthly rent payment in the lease agreement was made through direct cash transfer or account transfer. However, in this process, although repetitive payments were required, there was an inconvenience in payment due to the lack of a convenient means of payment. In addition, since monthly rent inevitably accounts for a relatively large portion of the tenant's consumption due to the transfer of cash, there were problems such as difficulty in tracking or inability to receive rewards such as card usage.

[0067] Accordingly, the computer device (100) can provide a convenient payment method to the tenant, store the tenant's payment record and provide it to the tenant terminal (10), and transmit the monthly rent payment record to a third-party computer device (100) for processing the monthly rent payment record, such as tax processing, credit evaluation data, and reward payment.

[0068] In order to provide a payment method that can replace cash, such as a card payment or simple payment for monthly rent, the computer device (100) can receive and confirm information related to monthly rent from at least one of the tenant terminal (10), the landlord terminal (20), or the broker terminal (30). In addition, the computer device (100) can also obtain monthly rent information from lease agreement information. For example, the computer device (100) can transmit monthly rent information obtained from the lease agreement information to the landlord terminal and the tenant terminal to confirm whether the monthly rent amount is correct, and after the parties have confirmed, the computer device (100) can request payment information from the tenant to complete the payment process.

[0069] The computer device (100) may determine a reward to be paid to at least one of the lessor, lessee, or broker based on payment completion information and lease agreement information. The computer device (100) may determine a reward to be paid based on at least one of the following: the regularity of the payment completion information, the retention period of the payment completion information, the lessee's credit rating, the contractual terms of the lease agreement information, the payment method information of the payment completion information, the lessor's evaluation information of the lessee, or the lessee's evaluation information of the lessor.

[0070] For example, the computer device (100) may determine a higher reward as the lease contract relationship becomes longer and the monthly rent for the lease is paid regularly without delay.

[0071] The computer device (100) can increase reliability by providing rewards to tenants who regularly pay their monthly rent on time based on their payment history.

[0072] Additionally, the computer device (100) can provide additional rewards to tenants who maintain long-term rental contracts based on payment history, thereby increasing the stability of the contract.

[0073] The computer device (100) can provide differentiated reward benefits based on the tenant's credit rating, thereby providing greater benefits to tenants with higher credit ratings. The credit rating used as a criterion for determining rewards may include not only credit information provided by credit rating agencies but also credit information determined by alternative credit rating models. Furthermore, the credit rating used as a criterion for determining rewards may be related to the relevant lease agreement. For example, if a tenant pays rent on time but potentially causes damage to the leased property, causes problems with other tenants, or otherwise poses a risk of harm to the landlord in relation to the lease agreement, the tenant's credit rating, which is used to determine rewards, may be negatively impacted.

[0074] Additionally, the computer device (100) may offer different rewards depending on the terms of the contract. For example, additional rewards may be offered to tenants who provide a high deposit.

[0075] The computer device (100) can determine different rewards depending on the payment method. For example, the computer device (100) can provide additional rewards when using a specific payment method, thereby promoting a variety of payment methods and inducing competition among payment method providers (e.g., banks, credit card companies, etc.), ultimately benefiting users of the rental platform.

[0076] The computer device (100) can provide rewards to tenants or landlords who have received recommendations and positive reviews from other tenants, landlords, and other related parties, thereby providing incentives for users of the platform related to rentals to continue using the platform.

[0077] Rewards may include points, cash rewards, discount coupons, gift cards, service vouchers, waivers or discounts on additional deposits, and property management services. However, the above descriptions are merely examples, and the present disclosure is not limited thereto. For example, a platform for leasing may offer rewards for services available to users (e.g., cleaning, moving, internet installation, etc.) to provide benefits to platform users, thereby expanding the platform by allowing various leasing-related affiliated businesses to join the platform.

[0078] Additionally, the computer device (100) may determine to pay a reward to the broker. For example, the computer device (100) may pay a higher reward to the broker if the lease agreement is concluded through an electronic lease agreement. Additionally, if an electronic lease agreement is executed, the tenant or the landlord may pay a brokerage fee to the broker using the computer device (100). For example, if an electronic lease agreement is executed using the computer device (100), the computer device (100) may request the tenant terminal (10) to pay the costs related to the lease (e.g., deposit, first month's rent, etc.). In addition, the computer device (100) may request the tenant terminal (10) or the landlord terminal (20) to pay the brokerage fee. The computer device (100) may receive this payment information and process the payment, and in this case, may provide a higher reward while paying the brokerage fee to the broker. The reward received by the broker may be deducted first when the broker incurs rental payment costs on the platform related to the rental operated by the computer device (100) of one embodiment of the present disclosure, such as when the broker advertises himself on the platform related to the rental operated by the computer device (100) of one embodiment of the present disclosure.

[0079] The computer device (100) may prioritize deducting rewards if costs related to lease information are incurred by at least one of the landlord, tenant, or broker. Instead of providing large rewards to the parties involved in the lease agreement, the computer device (100) may allow the rewards to be consumed on a lease-related platform operated by the computer device (100). For example, if a landlord promotes his or her rental property through the platform or requires payment to a maintenance contractor for the rental property connected through the platform, the landlord may prioritize payment using the rewards he or she has received. Furthermore, the rewards may also be prioritized for brokerage fees payable by the tenant and landlord.

[0080] FIG. 3 is a signal flow diagram of methods for managing a lease agreement according to one embodiment of the present disclosure.

[0081] The computer device (100) can receive lease agreement information (301) from at least one of the lessor terminal (20), lessee terminal (10), or broker terminal (30). As described above, the lease agreement information can be obtained through OCR from an image of the lease agreement, or can be obtained through an electronic lease agreement.

[0082] The computer device (100) can verify the validity of a lease agreement based on the acquired lease agreement information (302). As described above, the computer device (100) can analyze existing lease agreement information stored in the database (101) and store judgment criteria for determining the validity of the lease agreement in the database (101). The computer device (100) can compare the data stored in the database (101) with the lease agreement information to determine whether there are any problems that may arise in the lease agreement.

[0083] If the computer device (100) determines based on the lease agreement information that there is a possibility of a problem occurring in the lease agreement, it can notify the relevant information to at least one of the landlord terminal (20), the tenant terminal (10), or the broker terminal (30). For example, if the lessor of the lease agreement is a problematic lessor and there is a possibility of a problem occurring, the computer device (100) can transmit the relevant information to at least one of the tenant terminal (10) and the broker terminal (30). In addition, in this case, the computer device (100) can update the information related to the problematic contract in the database, and can also provide notifications to the parties to other lease agreements that have a possibility of occurring problems based on the information related to the problematic contract.

[0084] If there is no problem, the computer device (100) can complete the lease agreement and store it in the lease database (101).

[0085] The computer device (100) can receive payment information from the tenant terminal (10). The computer device (100) can provide a means for the tenant to pay the monthly rent not only through cash or bank transfer, but also through other methods. For example, the computer device (100) can receive card payment information so that the tenant can pay the monthly rent by card.

[0086] The computer device (100) can complete the payment process by transmitting the received payment information to another computer device (100) related to payment, and can create payment completion information and store it in a database (305).

[0087] The computer device (100) can determine a reward related to the rental agreement based at least in part on the generation of payment completion information (306).

[0088] The determined reward may be granted to at least one of the tenant, the landlord, or the broker (307).

[0089] Additionally, the computer device (100) can update the database (101) (308) based on information that may arise during the lease period after the lease agreement is concluded. The updated information may include, for example, whether the tenant is making regular monthly rent payments or whether an accident has occurred against the landlord.

[0090] The computer device (100) can determine whether anomalies occur based on the updated database. As described above, the computer device (100) can comprehensively assess information related to all lease agreements, as well as information related to individual lease agreements, to determine the possibility of problems arising in relation to the lease agreement.

[0091] If a problem is expected to occur, the computer device (100) can notify the occurrence of an abnormality sign to at least one of the tenant terminal (10), the landlord terminal (20), or the broker terminal (30) (309).

[0092]

[0093] FIG. 4 is a schematic diagram briefly illustrating a lease verification model of one embodiment of the present disclosure.

[0094] The validity verification and abnormality judgment related to the lease agreement performed in the computer device (100) of one embodiment of the present disclosure may be performed based on information stored in the database (101) (e.g., problem landlord, problem tenant, problem broker, etc.), and such information may be derived through analysis of existing lease information stored in the database (101).

[0095] The computer device (100) may obtain the possibility of a problem from terminals possessed by parties related to a lease agreement and other computer devices that store related information (e.g., tax-related servers, registration-related servers, etc.), and may analyze the possibility of a problem based on the information obtained from these.

[0096] FIG. 4 is a schematic diagram of a lease verification model (400) that can be used to analyze a database in a computer device (100). The computer device (100) inputs information related to a normal lease agreement (e.g., contractor information, landlord information, tenant information, contract period information, contract amount information, leased property information, special contract information, etc., and other information obtained from other computer devices (100), etc.) as learning data, and labels this as a normal lease agreement to generate learning data to perform supervised learning of the lease verification model.

[0097] Additionally, the computer device (100) can input information related to problematic lease agreements as learning data and label them as problematic lease agreements, thereby supervising learning of a lease verification model using the generated learning data. The lease verification model (400) may be a deep neural network model capable of processing vector inputs of lease agreement information.

[0098] Using the lease verification model (400) learned using data from the database (101), the computer device (100) can input newly acquired lease contract information into the lease verification model (400) and perform validity verification related to the lease contract based on the output of the lease verification model (400).

[0099]

[0100] It should be understood that the specific order or hierarchy of steps in the presented processes is merely 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 the present disclosure based on design priorities. The appended method claims provide elements of various steps in a sample order, but are not intended to be limited to the specific order or hierarchy presented.

[0101] The description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present disclosure. Various modifications to these embodiments will be readily apparent to those 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. Therefore, the present disclosure is not intended to be limited to the embodiments disclosed herein, but is to be construed in the broadest scope consistent with the principles and novel features disclosed herein.

[0102] As described above, the relevant contents have been described in the best form for carrying out the invention.

[0103] The present invention can be used for management, etc. according to a lease agreement.

Claims

1. A computer program stored in a computer-readable storage medium, wherein the computer program, when executed on one or more processors, performs the following methods for managing a lease agreement, wherein the method comprises: A step of obtaining lease contract information from at least one of a landlord terminal, a tenant terminal, or a broker terminal; A step of verifying the validity of a lease agreement based on the above lease agreement information; A step of obtaining payment information from the above tenant terminal, performing payment for the rental contract, and generating payment completion information; and A step of determining a reward to be paid to at least one of the lessor, lessee, or broker based on the payment completion information and the lease agreement information; including, A computer program stored on a computer-readable storage medium.

2. In paragraph 1, The above lease agreement information is: Obtained from at least one of the optical character recognition (OCR) of the lease agreement or the electronic lease agreement, A computer program stored on a computer-readable storage medium.

3. In paragraph 2, A step of providing address information for creating the electronic lease agreement to at least one of the landlord terminal, the tenant terminal, or the broker terminal; including more, A computer program stored on a computer-readable storage medium.

4. In paragraph 1, The above lease agreement information is: Including contractor information, landlord information, tenant information, contract period information, contract amount information, rental property information, and special contract information. A computer program stored on a computer-readable storage medium.

5. In paragraph 1, The step of verifying the validity of the lease agreement based on the above lease agreement information is as follows: A step of comparing the above lease contract information with a lease database to detect a problematic contract; including, A computer program stored on a computer-readable storage medium.

6. In paragraph 5, The above rental database is, Storing information about one or more previous lease agreements, and storing information about the problem landlord, information about the problem tenant, and information about the problem rental property obtained by analyzing the information about the one or more previous lease agreements. A computer program stored on a computer-readable storage medium.

7. In paragraph 6, Information regarding the above problem landlord, Includes at least one of the following: a landlord with a history of non-return of the deposit, a landlord with a change in ownership of the leased property after the lease agreement, a landlord with a history of non-payment of taxes on the leased property, or a landlord with a history of auctions on the leased property. A computer program stored on a computer-readable storage medium.

8. In paragraph 6, Information regarding the above problem tenant is: Includes at least one of the following: a tenant with a history of non-payment of rent, a tenant with a history of subletting, a tenant with a history of non-compliance with lease terms, a tenant with a history of credit problems, or a tenant with a possible credit problem. A computer program stored on a computer-readable storage medium.

9. In paragraph 6, The above problem rental object is, Includes at least one of the following: a rental property with a history of rental accidents, a rental property with a history of incidents or accidents, a rental property with a history of facility problems, or a rental property with a possibility of rental accidents. A computer program stored on a computer-readable storage medium.

10. In paragraph 5, The above rental database is, Updating one or more previous lease agreement information, leased property owner information, leased property tax payment information, or leased property registration information at predetermined intervals; A computer program stored on a computer-readable storage medium.

11. In paragraph 10, A step of detecting abnormal signs for a lease contract based on the above lease database at a predetermined cycle and, when an abnormal sign is detected, providing a notification of an abnormal sign for the lease contract to at least one of the landlord terminal, the tenant terminal, or the broker terminal; including more, A computer program stored on a computer-readable storage medium.

12. In paragraph 11, Detection of abnormal signs in the above lease agreement, The above lease agreement information is carried out based on the occurrence of an accident regarding another lease agreement of the lessor, change of the owner of the leased property, change of registration information for the above leased property, or change of tax delinquency information for the above leased property. A computer program stored on a computer-readable storage medium.

13. In paragraph 1, A step of transmitting the payment completion information to the tenant terminal and the landlord terminal, a step of transmitting the payment completion information to a credit rating server for evaluating the tenant's credit rating; and a step of transmitting the payment completion information to a tax server for deduction of the tenant's income. including more, 14. In paragraph 1, The step of determining a reward to be paid to at least one of the lessor, lessee, or broker based on the payment completion information and the lease agreement information is as follows: A step of determining a reward to be paid based on at least one of the regularity of the payment completion information, the maintenance period of the payment completion information, the credit rating of the lessee, the contractual content of the lease agreement information, the payment method information of the payment completion information, the lessor's evaluation information of the lessee, or the lessee's evaluation information of the lessor; including, A computer program stored on a computer-readable storage medium.

15. In paragraph 1, A step of first deducting the reward when at least one of the lessor, the lessee or the broker incurs a cost related to the lease agreement information; including more, A computer program stored on a computer-readable storage medium.

16. A method for managing a lease agreement executing on one or more processors of a computer device, A step of obtaining lease contract information from at least one of a landlord terminal, a tenant terminal, or a broker terminal; A step of verifying the validity of a lease agreement based on the above lease agreement information; A step of obtaining payment information from the above tenant terminal, performing payment for the rental contract, and generating payment completion information; and A step of determining a reward to be paid to at least one of the lessor, lessee, or broker based on the payment completion information and the lease agreement information; including, method.

17. As a computer device, one or more processors; and A memory storing instructions executable by one or more processors; Including, One or more of the above processors, Obtaining lease contract information from at least one of the landlord terminal, tenant terminal, or broker terminal, Verify the validity of the lease agreement based on the above lease agreement information, Obtain payment information from the above tenant terminal, perform payment for the rental contract, and generate payment completion information, and Determine the reward to be paid to at least one of the lessor, lessee, or broker based on the payment completion information and the lease agreement information. Computer devices.

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