JP2011159195A - System and method for processing lending information - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system 1 and method for processing lending information to allow the lending of various kinds of articles between individuals, while improving user convenience. <P>SOLUTION: The system 1 for lending information processing includes a lender terminal 4 to be used for inputting information on a lent-out article, an applicant terminal 5 to be used for inputting information on a borrowing request, and a management server 3 that stores the lending article information input from the lender terminal and accepts input of request information on the basis of the lending article information. The management server 3 is configured to execute a step S5 of prompting the lender to select a lending article category (major group) in inputting the lending article information through the lender terminal 4, and a step S7 of displaying a lending article registration screen 40 for displaying items of a section corresponding to the selected lending article category (major group). <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a lending information processing system and a lending information processing method that process lending information through, for example, a telecommunication line, and in particular, a system that enables CtoC transactions between an individual loan exhibitor and an individual borrower. About.

  Conventionally, various items have been lent and borrowed, and a system for that has been proposed.

  For example, a system for managing the return status of rental videos has been proposed (see Patent Document 1). This system notifies the customer of the scheduled return date and provides information immediately when the return status changes.

  In addition, a rental service providing server computer that makes the rental service safe has been proposed (see Patent Document 2). This computer performs matching on the network of rental companies and general users who wish to rent, and enables the rental companies to provide products with peace of mind by using the compensation deposit function in preparation for the risk of not being returned.

JP 2004-54620 A JP 2008-197959 A

  However, none of the above-mentioned patent documents are suitable for interpersonal transactions. In other words, in order to realize a loan by an individual loan exhibitor and an individual borrower, it is necessary that each individual can use it freely. However, each patent document described above is not suitable for various lending exhibitors to exhibit various products. In addition, it is not suitable for various borrowers to properly process borrowing requests for various loan listings.

  SUMMARY OF THE INVENTION In view of the above-described problems, an object of the present invention is to provide a loan information processing system and a loan information processing method capable of renting and borrowing various products between individuals, and to improve user convenience.

  The present invention stores a loan exhibitor terminal for inputting loan exhibition information, a borrower terminal for inputting borrowing desire information, and loan exhibition information input to the loan exhibitor terminal, and based on the loan exhibition information. A loan information processing system or a loan information processing method comprising a management server that accepts input of the borrowing request information, wherein the management server selects a listing target category when inputting the loan listing information by the loan exhibitor terminal Lending information that is configured to execute an exhibition target category selection process to be performed and a category-specific exhibition registration screen display process to display a category-specific exhibition registration screen that displays registration items of the exhibition target information corresponding to the selected exhibition target category It can be a processing system or a loan information processing method.

  According to the present invention, it is possible to provide a loan information processing system and a loan information processing method capable of renting and borrowing a wide variety of products between individuals, thereby improving user convenience.

The system block diagram of a loan information processing system. The data block diagram of member data. Data structure diagram, such as rental listing rule data. The data block diagram of category classification corresponding data. The screen block diagram of a rental category registration screen. The screen block diagram of a loan registration registration screen. The screen block diagram of a rental listing detailed browsing screen. Screen composition diagram of borrowing application details input screen. The block diagram of the calendar display part in case of inventory management. Screen configuration diagram of the loan application completion screen. The screen block diagram of a borrowing acceptance notice confirmation screen. The flowchart of a loan exhibition registration process. The flowchart of borrowing application processing.

  An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 is a system configuration diagram of the loan information processing system 1.
The loan information processing system 1 includes a management server 3, a loan exhibitor terminal 4, and a borrowing applicant terminal 5 that are communicably connected to the Internet 7.

  The management server 3, the loan exhibitor terminal 4, and the borrower terminal 5 are all computers, and include a control unit configured with a CPU, ROM, and RAM, a storage unit configured with a hard disk, a keyboard, a mouse, and the like. An input unit configured, a display unit configured with a CRT display or a liquid crystal display, a communication unit configured with a LAN board, an external connection interface configured with a USB terminal, and the like are provided.

  The management server 3 includes various databases (DB). The database includes a member database 11, a loan listing database 12, a lending rule database 13, a loan listing database 14, and a settlement database 15.

  The member database 11 is a database for managing the member data 20 shown in FIG. 2, and member information such as a member ID (desired ID at the time of registration application), password, member type (normal / premium), name, and contact information is stored. It is registered. Details of the member data 20 will be described later.

  In the rental listing category database 12, rental listing category information indicating the category of the rental listing that is a product is registered. The rental listing information is classified into four categories, for example, “thing”, “vehicle”, “human”, and “real estate”. Then, for the rentable exhibition categories (large classification) that can be registered, the classification corresponding to the attribute of the rented exhibition category is registered in the category classification correspondence data 25 shown in FIG.

  The loan rule database 13 is composed of loan rule data 21 shown in FIGS. 3 (A) to 3 (D). Items that should be input or not required when registering loan items, and input omissions are included. Lending rules such as items to be automatically followed even if there are are registered by category. Details of these data will be described later.

  The loan listing database 14 is a database that manages loan listings. Registration, change, and deletion of various loan listings are accepted for each loan exhibitor, and each item prepared for each category by the loan listing rule data 21 is registered as information related to loan listing.

  In the rental exhibition database 14, rental management data (not shown) is also registered. In the lending management data, lending schedule information that can determine whether lending is possible, such as a schedule for which lending is scheduled and a schedule for which lending is not possible, is registered for each date by lending listing.

  The settlement database 15 is a database for performing settlement. For example, it is configured by an appropriate database capable of settlement such as a database for performing credit card settlement.

FIG. 2 shows the data structure of the member data 20.
Member data 20 includes desired ID, display name, password, password (for confirmation), first name last name, first name, furigana last name, furigana first name, gender, date of birth, postal code 7 digits, prefecture name, address 1 (City), address 2 (and later), address 3 (building name, etc.), phone number (home), phone number (mobile), phone number (daytime contact), email address (PC), email address ( Mobile), invitation number, membership type, household income, and genre of interest / interest.

  Among these items, the desired ID (member ID) and display name, which are keys for identifying users in transactions between individuals, are set so as not to be duplicated, and are configured not to be the same as others. ing. On the registration screen, if duplicate items are entered, a duplicate check button is attached and another candidate is displayed so that non-overlapping items are registered.

  In addition, the desired ID, display name, name, furigana name, gender, and date of birth used by the system operator for identification are set as items that cannot be changed once registered.

  In addition, desired ID, display name, password, password (for confirmation), first name last name, first name, furigana last name, furigana first name, gender, year of birth, which are necessary for system identification by the system operator Month / day, postal code 7 digits, prefecture name, address 1 (city / town), phone number (home), phone number (mobile phone), phone number (daytime contact), email address (PC), email address (mobile phone) ) Is an indispensable item. In addition, it is mandatory to register either the phone number (home) or the phone number (mobile phone), and the email address (PC) or email address (mobile phone) must be registered. Yes.

  The “household income” and “interest / interested genre” in these items may be registered by displaying a plurality of choices and selecting from them. In particular, it is preferable that the “genre with interest / interest” is the same as the rental category (major classification).

  In addition, the “member type” may be configured to select and register either “regular member” or “premium member”. If it is “premium member”, a monthly fee may be set. It should be noted that the retainer fee is set to be generated for both “normal member” and “premium member”.

  Here, the retainer fee is a cost paid by the borrowing applicant to the operator of the loan information processing system 1 before receiving the rental product. This cost is calculated by multiplying the rental cost by a predetermined ratio so that it becomes a part of the rental price when lending and borrowing. This prevents the borrowing applicant from making an unfair transaction after the rental transaction is completed.

  On the other hand, the operator of the loan information processing system 1 needs to receive a system usage fee from the lending exhibitor as a system operating cost. This system usage fee is configured to be the same amount as the above-mentioned retainer fee. This makes it unnecessary to collect the system usage fee from the loan exhibitor again, collects the system usage fee separately from the loan exhibitor, and returns the difference from the retainer fee to the loan exhibitor. Time and effort can be prevented.

  With this retainer fee collection system and a system that matches the system usage fee to the retainer fee, the system can be operated efficiently and safely.

FIG. 3A shows the data structure of the rental listing rule data 21 (21A to 21D).
The loan listing rule data 21 is composed of four types of goods rental rule data 21A, vehicle loan rule data 21B, real estate loan rule data 21C, and human loan rule data 21D.

Item rental rule data 21A includes categories, product names, product descriptions, product photos, video links, maps, usage restrictions / uses, scratch conditions, etc. Corruption, cancellation fee, compensation, price (times , Time, day, week, month), calendar (lending period input), final reception time, availability of inventory management, inventory quantity, product shipping area, shipping cost, advance payment / postpay, delivery method specification, vertical, Horizontal, total height (after packing), weight (after packing), delivery method, delivery location display, delivery location map, customer-to-customer settlement method, deposit (deposit), applicant's evaluation restrictions, and featured rentals It consists of each item.

Vehicle rental listing rule data 21B includes category, car name, product description, product photo, video link, manufacturer, vehicle type, year, mileage, fuel type, etc., accident history, option information, insurance information (self) , Insurance information (requests to the other party), usage restrictions / uses, damage status, etc. Corruption response, cancellation fee, compensation, price (times, hours, days, weeks, months), calendar (lending period input) , Final reception time, prepaid and postpaid, designation of delivery method, delivery location display, delivery location map, payment method between customers, deposit (deposit), applicant's evaluation restrictions, and featured rental items Has been.
Other items in the vehicle rental listing rule data 21B include a handle, a mission, an exhaust amount, and the like.

The real estate rental rule data 21C includes categories, property names, property overviews, product photos, video links, maps, space names, street addresses, nearest stations, surrounding information, space / room layout, precautions (rules, fire insurance, etc.) ), Usage restrictions / uses, scratches, etc., handling in case of breakage, cancellation fee, compensation, price (times, hours, days, weeks, months), calendar (lending period input), final reception time, payment in advance It consists of post-payment, customer-to-customer payment methods, deposit (deposit), applicant's evaluation restrictions, and featured rentals.
In the case of this real estate rental rule data 21C, it is essential to place a floor plan on the product photo.

  Personal rental rule data 21D includes category, service name, job description / self-promotion, product photo, video link, map, job title, real name or stage name, gender, age, qualification / skill, location, desired work location (home, Area, etc.), other preferences, usage restrictions / uses, cancellation fees, compensation, price (times, hours, days, weeks, months), calendar (lending period input), final reception time, prepaid and postpaid, between customers It consists of the following items: payment method, deposit (deposit), applicant's evaluation restrictions, and featured rentals.

  In the map in this person rental listing rule data 21D, a map of the place is registered when the place of work is specified. In “Location”, a location where there is a building or a training place is registered. In addition, in “other hopes”, hopes such as transportation expenses and more than twice a week are registered.

  These goods rental rule data 21A, vehicle rental rule data 21B, real estate rental rule data 21C, and human rental rule data 21D are “human”, “mono”, “vehicle”, and “real estate”. Separated by division.

  For each item, the item marked “required” in the “setting” column shown in the figure is an item that must be entered, and an item whose “setting” column is blank may be entered at the request of the loan seller. This item is not necessary.

  The item written as “Follow” in the “Setting” column is an item for automatic follow-up. With respect to the items registered as performing this automatic follow-up, appropriate information is input in accordance with a predetermined rule when the loan exhibitor has not input it.

  For example, if it is “Responding when it breaks,” enter “If you break it, it will be paid in full, so please use it carefully.” For example, if it is a “cancellation fee”, enter “Retainer fee will be charged for cancellation after final rental confirmation (after restriction)”. For example, if “compensation” is entered, “no compensation system” is entered.

  In addition, if the loan seller does not input this automatic follow item, the predetermined information is uniformly input, the predetermined information is input for each rental category, or for each rental category. An input rule may be determined as appropriate, such as inputting predetermined information. Thereby, it is possible to appropriately follow in accordance with the use status of the system and the listing status.

  Among these items, “Usage restrictions / uses” are messages such as “Please avoid usage that can be used for crimes” when the rental listing is a digital camera, Requests from loan sellers can be registered, such as the message “Please avoid using”.

  “Price (times, hours, days, weeks, months)” is for registering prices and units (times, hours, days, weeks, months), thereby clarifying prices by unit. As the units that can be registered, “times”, “hours”, “days”, “weeks”, and “months” can be selected so as to correspond to various loan listings.

  “Presence / absence of inventory management” is set to “Yes” when an inventory is managed by renting an arbitrary number of items, such as 50 chairs, for example. In the case of registering in the loan listing database 14 and not managing inventory, “None” is set. This allows you to select whether to lend multiple loan listings by inventory management, or lend one loan at a time without inventory management (that is, only whether or not lending is possible), depending on the characteristics of the loan listing Management.

  The “stock quantity” stores the current stock quantity. In the case of inventory management “present”, when a rental listing is lent out, the inventory quantity is subtracted by the rented quantity. When the rental listing is returned and returned, the stock quantity is added by the returned amount. Accordingly, the inventory quantity increases or decreases each time lending and returning are performed, and lending can be performed within the range of the remaining number. Further, in the case of “none” in inventory management, it is possible to determine and manage whether or not lending is possible depending on whether or not lending is in progress without managing the number of inventory by lending or returning a rental listing.

  In addition, among the items of the rental listing rule data 21 (21A to 21D), designation of delivery method, vertical, horizontal, total height (after packaging), weight (after packaging), delivery method, display of delivery location, The delivery location map is information relating to delivery settings registered as a delivery setting data section.

  In this delivery setting data part, “designation of delivery method” for designating whether delivery or direct delivery can be registered only when the rental item classification is “thing” or “vehicle”. For the remaining “people” and “real estate”, no delivery setting data section is provided.

  The “settlement method” may be selected from, for example, a credit card, bank transfer, or cash on delivery. This “settlement method” can make it impossible to select cash on delivery when the rental category is “vehicle”, “human” or “real estate”. Thereby, an appropriate settlement method can be selected according to the category of the rental listing.

  Among the items of the rental listing rule data 21 (21A to 21D), information on premium members is registered as a premium member option data section for a deposit (deposit), an applicant's evaluation restriction, and a rental of interest. Of these rentals, noteworthy rentals consist of TOP: amount, TOP: points, TOP: comment text, TOP: posting period, category: amount, TOP: points, TOP: comment text, and TOP: posting period. Yes. These items are information such as which part of which page (TOP page or category page) on the homepage is to be advertised.

  This premium member option data section stores items that can be set only for premium members among lending exhibitors.

  Among these items, “applicant evaluation restriction” can prevent a user whose total evaluation is below a predetermined value from applying. The predetermined value may be freely determined by the user, or an appropriate candidate value or an appropriate value may be determined in advance on the system side.

FIG. 4 is a data configuration diagram of the category classification correspondence data 25 for associating categories with the rental category (major category) or the rental category (medium category).
The category classification corresponding data 25 is composed of a rental category (major category) and a category of rental category (medium category), and each category of rental category (major category) or rental category (medium category) is classified into which category. It belongs or is set.

For example, if the rental category (major category) is “Fashion / Accessories”, “Sports / Outdoors / Travel”, “Baby / Kids”, etc., it belongs to “Mono” category, and “Car / Motorcycle / Other Vehicles”. If there is, it belongs to the “vehicle” category, “parking lot”, “meeting room / commercial space”, etc., “real estate” category, “artist”, “instructor” etc., “human” category It is set to belong to.
Thereby, the lending exhibitor can determine an appropriate category simply by selecting the lending category (major category) or the lending category (medium category).

<Explanation of screen related to loan registration>
FIG. 5 is a screen configuration diagram of a loan listing category registration screen 30 for registering a loan listing category when registering a loan listing.
The rental category registration screen 30 includes a large category selection unit 41, a middle category selection unit 32, a return button 33, and a next button 34.

  The large category selection unit 41 selectively selects only one rental category (major category) from a plurality of items. Here, when the rental category (major category) is selected, the category of the rental listing to be input is determined.

  The middle class selection unit 32 is a part that selects a middle class. In the middle classification, when the rental category (major category) is selected, it is preferable that the items selectable as the rental category (medium category) are changed accordingly. In the category classification correspondence data 25 of the loan listing category database 12, medium categories that can be selected for each loan category (major category) are registered in association with each other. ) Can be changed.

The return button 33 is a button for canceling rental registration and returning to the previous screen.
The next button 34 is a button for shifting to the next rental listing registration screen 40.

FIG. 6 is a screen configuration diagram of a loan listing registration screen 40 for registering detailed data of loan listings.
The rental listing registration screen 40 includes a product name input unit 41, a product description input unit 42, a photo input unit 43, a video link input unit 44, a map link input unit 45, a usage / use restriction input unit 46, and a scratch condition input. Unit 47, correspondence input unit 48 when broken, cancellation fee input unit 49, compensation input unit 50, contract necessity selection unit 51, rental calendar display selection unit 52, price / unit input unit 53, inventory management presence / absence selection unit 54, inventory quantity input section 55, payment method selection section 56, settlement method selection section 57, shipping source area input section 58, delivery method selection section 59, postage bearer selection section 60, packing size input section 61, packing weight input section 62, a delivery method selection unit 63, a correction button 64, and a next button 65.

The product name input unit 41 inputs the product name or model number of the rental listing.
The product description input unit 42 inputs a description of rental listing.
The photo input unit 43 registers a photo for rental listing. It also accepts input of explanatory text attached to the photo (for example, “There is paint peeling on the right corner”).

  The video link input unit 44 receives an input of a URL of a video uploaded to the video up site.

  The map link input unit 45 receives an input of the URL of the map display site. The URL input here may be a URL indicating an appropriate place, such as a map showing a map of the rental exhibitor's home.

The use / use restriction input unit 46 allows the use restriction and the use restriction requested by the loan exhibitor to be input.
The wound state etc. input unit 47 inputs a description such as a wound state.

The response input unit 48 when broken is made to input an explanatory text regarding the response when broken, such as a compensation amount when broken.
The cancellation fee input unit 49 inputs a rule determined by the lending exhibitor at what stage the cancellation fee is generated.

The compensation input unit 50 can input any compensation system that the loan exhibitor compensates.
The contract necessity selection unit 51 selects whether or not it is necessary to exchange a contract for lending.

The rental calendar display selection unit 52 allows the borrower to select whether or not to display a rental calendar that allows easy viewing of the rentable period.
The price / unit input unit 53 inputs a price and a unit.

The inventory management presence / absence selection unit 54 selects whether or not to manage inventory.
The stock quantity input unit 55 inputs the stock quantity.
The payment method selection unit 56 selects either prepaid or postpaid.

  The payment method selection unit 57 selects which payment method to use from bank transfer, cash on delivery, cash delivery, Internet payment, and others. It should be noted that a plurality of settlement methods may be selected, and the settlement method desired by the borrowing applicant can be selected from the selected settlement methods.

The shipping source area input unit 58 inputs the shipping source area from the prefecture to the municipality.
The delivery method selection unit 59 selects which delivery method, delivery or direct delivery, to use.
The postage bearer selection unit 60 selects which one of the loan exhibitor and the borrowing applicant should bear the postage.

The packing size input unit 61 inputs the packing size of the rental listing.
The packing weight input unit 62 inputs the weight of the rental listing after packing.
The delivery method selection unit 63 causes a delivery method such as which courier to use to be selected.

When the correction button 64 is selected, it shifts to the previous screen and allows correction.
When the next button 65 is selected, the next confirmation screen is displayed.

  By inputting these items as appropriate, the detailed information on the rental listing is registered in the rental listing database 14 as rental listing data. This loaned data is data in which all items of the loaned rule data 21 including the delivery setting data part and the premium member option data part are listed and further provided with a loaned ID.

  The illustrated example shows display items when the rental listing category is “mono”. The display items are determined by classification with reference to the goods rental rule data 21A, and items that do not exist in the goods rental rule data 21A are not displayed. Accordingly, in other categories such as “vehicle”, “real estate”, and “human”, the vehicle rental rule data 21B, the real estate rental rule data 21C, or the human rental rule data 21D are referred to. A screen display is displayed on the rental listing registration screen 40 so that only the existing items are requested.

  In addition, if a required input item has not been input, it is preferable to display an error when the next button 65 is selected and to prompt the input by indicating the required input item. If the item to be automatically followed is not input, when the next button 65 is selected, the system automatically inputs appropriate contents to the item to be automatically followed, and then the loan listing database 14 Register with.

<Explanation of screen regarding borrowing request>
FIG. 7 is a screen configuration diagram of a loan listing detail browsing screen 70 for confirming detailed data of products desired to be borrowed after the borrowing applicant performs loan listing search or the like.

  The rental exhibition detail browsing screen 70 includes a photo display unit 71, a product name display unit 72, an explanation display unit 73, a moving image URL display unit 74, a calendar display unit 75, a lending availability display unit 76, a lending availability display explanation unit 77, and usage.・ Application restriction display section 78, damage status display section 79, broken response display section 80, cancellation fee display section 81, compensation display section 82, settlement method display section 83, product shipping source area display section 85, commodity delivery method display section 86, postage bearer display section 87, packing size display section 88, packing weight display section 89, deposit (security deposit) display section 90, rental evaluation restriction display section 91, rental price / unit display section 92 and a button 93 for renting.

  Each of these display items is input from the above-described loan registration screen 40 and registered as loaned data in the loan database 14 (contents input / selected by the input unit or selection unit having the same item name). Is displayed. Items that are not input at the time of registration as rental exhibition data are not displayed on the rental exhibition registration screen 40. As a result, only appropriate contents are displayed according to the category of the rental listing, and unnecessary display is eliminated to improve the visibility and convenience for the borrower.

FIG. 8 shows a screen configuration diagram of the borrowing application content input screen 100 for inputting the borrowing application content.
The loan application content input screen 100 includes a photo display unit 101, a product name display unit 102, an explanation display unit 103, a calendar display unit 105, a lending availability display unit 106, a lending availability display explanation unit 107, a rental price display unit 111, an o A payment price display unit 112, a rental start date input unit 113, a rental return date input unit 114, a desired arrival date input unit 115, a return date input unit 116, a number input unit 117, a comment input unit 118, and a rental button 119 are provided. ing.

  The rent permission / inhibition display explanation section 107 from the photo display section 101 is the same as the rent permission / inhibition display explanation section 77 from the photograph display section 71 of the loan exhibition detail browsing screen 70 described above. Note that the lending availability display unit 106 in the calendar display unit 105 is displayed in a format different from the lending availability display unit 76 in the loan listing detail browsing screen 70, but may be displayed in the same format, or a lending availability display. The part 76 may be displayed in the same format as that of the lending availability display part 106.

  The rental price display unit 111 displays the rental amount and unit of the displayed rental listing. In the case of lending over multiple days, the total amount and total unit are displayed.

  The payment price display unit 112 displays an amount obtained by subtracting 5% to 10% of the retainer fee from the rental amount. This amount is the amount actually paid to the lending exhibitor.

The rental start date input unit 113 inputs a rental start date (year / month / day).
The rental return date input unit 114 inputs a return date (year / month / day).
The desired arrival date input unit 115 inputs the desired date when the loan listing arrives at the borrower's request.

The return date input unit 116 inputs a shipment date for shipping the product borrowed by the borrower for return.
The number input unit 117 inputs the number desired to be borrowed. If the target loan listing has inventory management, an arbitrary number is selected from the borrowable numbers, and if it has no inventory management, one is always displayed. If no inventory management is performed, the number input unit 117 may not be displayed.

The comment input unit 118 freely inputs a comment from the borrowing applicant to the loan exhibitor.
The rental button 119 is a button that, when selected, notifies the loan exhibitor of a borrowing request. With this selection, the intention to borrow is displayed.

  FIG. 9 shows a configuration diagram of the calendar display unit 125 displayed in the case of a loan listing with inventory management in the calendar display unit 105 portion displayed on the above-described borrowing application content input screen 100 (see FIG. 8).

  Similarly to the calendar display unit 105 (see FIG. 8), the calendar display unit 125 includes a lending availability display unit 126 and a lending availability display explanation unit 127. The lending permission / inhibition display unit 126 displays one mark (in the example shown, ◯, le, or x) for each date displayed on the calendar display unit 105.

  An inventory quantity display unit 128 is provided in correspondence with the lending availability display unit 126 of the date portion of the calendar. With this stock quantity display unit 128, it is possible to grasp how many times it can be borrowed.

  The display of the lending availability display unit 126 is updated every time the number is selected by the number input unit 117 of the calendar display unit 105 (see FIG. 8). Then, a lendable display is shown on the day when the number can be secured (O in the figure), and a lending display is shown on the day when the number cannot be secured (shown in the figure). On the day that is originally set to be non-loanable, a non-loanable display (X in the figure) is displayed.

FIG. 10A is a screen configuration diagram of a borrowing application completion screen 130 indicating that the borrowing application has been completed.
This borrowing application completion screen 130 displays a message “I have applied for rental” indicating that the borrowing application has been completed, and “Lender accepts your rental” indicating that the loan exhibitor is waiting for approval. Please wait for the message "and other necessary messages such as the expiration date and handling at the time of cancellation.

FIG. 10B is a screen configuration diagram of a borrowing application notice confirmation screen 140 that allows a loan exhibitor to confirm a borrowing application notice to which borrowing application data is transmitted.
The borrowing application notification confirmation screen 140 includes a borrowing applicant display unit 141, a loan listing name display unit 142, a loan listing photo display unit 143, a loan listing name display unit 144, a price / period display unit 145, a loan exhibitor display unit 146, a loan An original area display unit 147, a retainer fee display unit 148, a payment amount display unit 149, a comment display unit 150, an unacceptable button 151, and an application accept button 152 are provided.

  By confirming these displays, the loan exhibitor can confirm which loan listing is requested by whom for which period and for which amount, and determine whether to accept or not.

FIG. 10C is a screen configuration diagram of an acceptance confirmation screen 160 that allows the loan exhibitor to confirm acceptance of the borrowing application.
This acceptance confirmation screen 160 shows a message “Accepted rental” indicating that the borrowing application has been accepted and the borrowing application acceptance notice has been sent to the borrowing applicant, and confirmation by the borrowing applicant and waiting for payment of the retainer fee. A message indicating that there is a message “Please wait for the borrower (rental applicant) to finalize the rental and pay the retainer fee.” And necessary messages such as the final date and handling at the time of cancellation are displayed.

FIG. 11A is a screen configuration diagram of a borrowing acceptance notification confirmation screen 170 that allows the borrowing applicant to confirm the borrowing acceptance notification.
The loan acceptance notice confirmation screen 170 includes a loan exhibitor display unit 171, a loan exhibition photo display unit 173, a display item name display unit 174, a price / period display unit 175, a loan exhibitor display unit 176, a loan source area display unit 177, A retainer fee display unit 178, a payment amount display unit 179, a comment display unit 180, a cancel button 181 and a rental contract button 182 are provided.

  By confirming these indications, the borrowing applicant can confirm which loan application has been accepted, the amount of money to be paid to the retainer fee and the lender, etc. it can. It is also possible to cancel with the cancel button 181.

FIG. 11B is a screen configuration diagram of a settlement transition screen 190 for performing a retainer fee settlement.
On the settlement transition screen 190, a settlement button 191 is provided. When the settlement button 191 is selected, settlement processing is performed by a separate settlement system. This settlement is performed using the settlement database 15 (see FIG. 1), but it may be configured to use a separate settlement system.

FIG. 11C is a screen configuration diagram of a rental contract screen 200 for confirming a rental contract.
The rental contract screen 200 displays a message that the rental contents are sent to both the lending exhibitor and the borrowing applicant by e-mail, and that the message function can be used to communicate with each other.

  The message function here is a function that allows the lending exhibitor and the borrowing applicant to exchange messages without notifying each other's mail address. When a loan exhibitor (or borrowing applicant) sends an email to the borrowing applicant (or loan exhibitor) using the message function, the email is forwarded to the email address of the borrowing applicant (or loan exhibitor) by the management server 3. The Thereby, the rental transaction can be completed without notifying each other of the e-mail address.

<Lending registration process>
FIG. 12 is a flowchart of a loan listing registration process executed by the loan information processing system 1 when a loan exhibitor registers a loan listing.
The loan exhibitor terminal 4 accesses the rental system WEB site provided by the loan information processing system 1 by the operation of the loan exhibitor (step S1). This WEB site is a site provided by the management server 3 functioning as a WEB server.

  The management server 3 requests the rental exhibitor terminal 4 to input an ID and password, and performs member identification by collating with the contents registered in the member database 11 (step S2).

If it can be identified as a member, the management server 3 displays the rental category registration screen 30 as a classification selection screen (step S3).
The loan exhibitor terminal 4 displays the rental category registration screen 30, allows the selection input of the rental category (major category) by the large category selection unit 41, and allows the selection input of the middle category by the middle category selection unit 32. (Step S4).

  The management server 3 refers to the category classification corresponding data 25 registered in the loan category database 12 and determines to which category the loan category (major category) input by the large category selection unit 41 belongs (step). S5).

  The management server 3 refers to the loan listing rule data 21 in the loan rule database 13 and obtains input conditions (required, optional, unnecessary and whether there is automatic follow-up) corresponding to the determined category (step S6).

  Here, if it is determined in step S2 that the member is a premium member, the premium member option data section in the loan listing rule data 21 of the loan rule database 13 is also referred to, and the items for the premium member and the above determination The input conditions (required, optional, unnecessary and whether or not to follow automatically) corresponding to the selected category are acquired.

  The management server 3 displays the rental registration registration screen 40 reflecting the acquired input conditions (step S7). The rental registration registration screen 40 is configured such that essential inputs are determined in accordance with the acquired input conditions, and the items that cannot be input are not displayed so as not to be input.

  The loan exhibitor terminal 4 allows input to each item of the loan registration registration screen 40 and requests the management server 3 to register the input data of the loan listing (step S8). At this time, if the required items are not entered, an error is displayed and the items are always entered. Also, the presence / absence of inventory management is selected.

  The management server 3 registers the loaned exhibition data requested for registration in the loaned exhibition data of the loaned exhibition database 14 in the form of adding to the loaned exhibition list of the loaned exhibitor (step S9). At this time, if there is no input in the item subject to automatic follow-up, an appropriate sentence or the like is automatically input by the management server 3 based on the lending rule database 13.

  The management server 3 displays a state change screen (not shown) (step S10), and allows state change input on the state change screen (step S11). This state change screen is provided in the rental listing details browsing screen 70, and allows the user to input whether listing is possible or listing is impossible (standby). As a result, it is possible to exhibit immediately or to exhibit after a period of time.

  The management server 3 registers the state change input in step S11de in the rental listing database 14 (step S12).

<Borrowing application processing>
FIG. 13 is a flowchart of a borrowing application process executed by the loan information processing system 1 when a borrower wants to borrow a loan listing. The illustrated example shows a case where a borrowing applicant searches for a loan listing by searching or the like, and a case where a loan exhibitor transmits loan listing information to the borrowing applicant.

  When the loan exhibitor terminal 4 accesses the WEB server of the management server 3 by the operation of the loan exhibitor (step S21) or when the borrowing applicant terminal 5 accesses by the operation of the borrower (step S22), the management server 3 Then, the member database 11 is accessed to perform member identification by ID and password (step S23).

  If it can be identified as a member, a list of rental listings is created and displayed on the screen (step S24). At this time, if the loan exhibitor terminal 4 is accessed (for loan request), a loan request list is created and displayed with reference to the loan database 14. If it is an access to the borrower terminal 5 (for borrowing request), a loan listing list is created and displayed with reference to the loan listing database 14.

  In the case of a loan request, the loan exhibitor terminal 4 selects a borrowing request that can be supported from the displayed list of borrowing requests, specifies the loan listing that the loan exhibitor can lend, and inputs the loan request to the borrowing applicant. (Step S25).

In the case of borrowing request, the borrowing applicant terminal 5 selects and inputs the desired loan listing from the displayed list of loan listings (step S26). This selection input is performed by selecting the rental button 93 on the rental exhibition detail browsing screen 70.
The management server 3 determines the loan listing that is the object of the borrowing request (or the loan request) and displays the borrowing application content input screen 100 (step S27).

The borrowing applicant terminal 5 displays the borrowing application content input screen 100 and inputs the rental period, the number, comments, and the like (step S28).
The management server 3 performs a borrowing application notice for transmitting the inputted borrowing application notice data to the loan exhibitor terminal 4 (step S29).

  The loan exhibitor terminal 4 displays the borrowing application notification confirmation screen 140 to allow the loan exhibitor to confirm the content of the borrowing request (borrowing application notification data) and input a comment (step S30). If the button 152 for accepting the application on the borrowing application notice confirmation screen 140 is not pressed for a predetermined period (for example, 3 days), it is treated as cancelled.

  The management server 3 determines whether or not to lend based on the application acceptance received from the loan exhibitor terminal 4, application non-acceptance, or no input for a predetermined period (three days), and transmits a loan permission notice to the borrower terminal 5 (step) S31).

  The borrowing applicant terminal 5 displays a borrowing acceptance notice confirmation screen 170 to input a decision to borrow (step S32). If the rental contract button 182 is selected, the borrowing request is determined, and if the cancel button 181 is selected, the rental contract is cancelled.

  The management server 3 receives the borrowing decision determination notification, and executes the billing process if the decision to borrow is selected (step S33). In this billing process, the settlement database 15 is used and only the retainer fee is billed. Rental fees and shipping costs other than the retainer fee are exchanged between the borrowing applicant and the loan exhibitor.

The management server 3 notifies the rental establishment to both the loan exhibitor terminal 4 and the borrowing applicant terminal 5 (step S34). At this time, the management server 3 adds the lending schedule to the lending management data of the lending listing that has been rented.
The loan exhibitor terminal 4 and the borrower application terminal 5 that have received the notification of the establishment of the rental respectively display a rental contract screen (steps S35 and S36), and the process is terminated.

  With the above configuration and operation, it is possible to lend and borrow a wide variety of products between individuals, and it is possible to improve the convenience for users (lending exhibitors and borrowing applicants).

  When the loan exhibitor registers the loan listing, if the large category selection unit 41 is selected on the loan listing category registration screen 30, the display items on the loan listing registration screen 40 are only necessary items based on the category classification correspondence data 25. Therefore, items suitable for the rental listing can be input easily and appropriately.

  In addition, for items that are subject to automatic follow-up, standard text or the like is automatically input even if the input is forgotten, so that it is possible to prevent an important item from being forgotten. Further, even if it is an important item but it is not possible to decide how to input it, it is automatically input, so that an unfamiliar user can use it with peace of mind.

  In addition, since the inventory quantity display unit 128 is displayed when inventory management is performed, and the inventory quantity is not displayed on the calendar when inventory management is not performed, the borrower can use it conveniently. That is, in the case of inventory management, since it is considered that the product is often rented a plurality of items, it is possible to immediately confirm whether the necessary number can be secured during the period of borrowing by displaying the inventory on the calendar. On the other hand, if there is no inventory management, it is considered that the product is often rented in units of one, so you can easily check whether or not the loaned item can be rented during the period you want to rent without being aware of the number of stocks .

  Further, by collecting 5 to 10% of the transaction amount from the borrower as a retainer fee in advance, it is possible to prevent unfair cancellation after the transaction is established.

  In addition, since the lending information processing system 1 collects charges only for one retainer fee for each transaction collected from a borrower, it can be done without any complicated procedures. In other words, the borrowing applicant pays in advance only for the retainer fee, and the payment price (main body price) of the rental listing can be paid separately by cash on delivery or bank transfer (possible after payment is also possible).

  For this reason, the borrowing applicant can reduce the anxiety that only the cost is collected and the product does not arrive, and the borrowing applicant can trade with peace of mind. In addition, since the loan applicant has already paid the retainer fee and indicated the intention of borrowing, the loan exhibitor can deal with peace of mind because the anxiety that the fee will not be paid later will be reduced at the time of loan shipping. it can.

In addition, in the conventional form in which the system usage fee is collected from the lending exhibitor after the rental transaction ends, it is delayed for the operating company of the loan information processing system 1 to obtain income, but the retainer fee is set before the rental transaction starts. By collecting the (system usage fee) (that is, using a prepayment system), the operating company of the loan information processing system 1 can obtain income earlier, improve the cash flow and improve the cash flow. Therefore, when it is necessary to increase the number of servers due to a rapid increase in the number of transactions, it is possible to prevent funds from being exhausted and borrowings from increasing as in the case of postpayment. The facility can be expanded quickly using
As a result, appropriate services can be provided at any time with stable management, and customer satisfaction can be improved.

  It should be noted that after the rental is established, an evaluation system that allows the loan exhibitor and the borrower to evaluate each other may be adopted. In this case, the percentage of the retainer fee may be varied within a predetermined range such as 5% to 10% depending on the evaluation. For example, if the evaluation is good, the retainer fee may be close to 5%, which is a low amount, and if the evaluation is bad, the retainer fee may be close to 10%, which is a high amount.

  Evaluation is good or bad when the score is determined by multi-step evaluation such as 5-step evaluation, and if the score is high, the evaluation is good, or if the score is high and the percentage of high scores is high (there is almost no bad evaluation) It may be determined by an appropriate method, such as, for example.

  By doing this, borrowing applicants can rent cheaply if the evaluation is improved (retainer fee ratio decreases), and loan sellers can lend higher if the evaluation is improved (retainer fee ratio decreases) ), And make it possible to conduct appropriate transactions without fraud.

In correspondence between the configuration of the present invention and the above-described embodiment,
The loan listing information of this invention corresponds to the loan listing data in the loan listing database 14 of the embodiment,
Similarly,
The loan availability status corresponds to the loan schedule information in the loan management data in the loan listing database 14,
The presence / absence of inventory management corresponds to the presence / absence of inventory management of loan data in the loan database 14.
The registration item of the exhibition object information corresponding to the exhibition object category corresponds to the item for each category of the rental rule data 21,
The category-specific listing registration screen corresponds to the rental listing registration screen 40,
The exhibition target category selection process corresponds to step S5,
The category-specific exhibition registration screen display process corresponds to step S7,
The inventory management presence / absence selection process corresponds to step S8,
The automatic follow process corresponds to step S9,
The auto follow item corresponds to the response when it breaks, cancellation fee, compensation,
The listing target category corresponds to the rental category (major category)
The borrowing request information corresponds to the borrowing application notification data,
The present invention is not limited only to the configuration of the above-described embodiment, and many embodiments can be obtained.

  The present invention can be used for various rental systems such as rental of goods (articles), rental of humans (such as instructor and worker dispatch), and rental of real estate (such as rental of unused villas). It can be useful for renting individuals versus individuals.

DESCRIPTION OF SYMBOLS 1 ... Lending information processing system, 3 ... Management server, 4 ... Lending exhibitor terminal, 5 ... Borrowing applicant terminal, 14 ... Lending exhibition database, 21 ... Lending exhibition rule data, 40 ... Lending exhibition registration screen

Claims (4)

A loan seller terminal for entering loan listing information;
Borrower terminal that inputs borrowing request information,
A loan information processing system comprising: a management server that stores loan listing information input to the loan exhibitor terminal and receives input of the borrowing request information based on the loan listing information,
The management server
When inputting loan listing information by the loan seller terminal,
Listing target category selection process for selecting the listing target category,
A loan information processing system configured to execute a category-specific exhibition registration screen display process for displaying a category-specific exhibition registration screen for displaying registration items of the exhibition target information corresponding to the selected exhibition target category. An automatic follow item is provided as a part of the registered items of the exhibition target information,
2. The loan information processing system according to claim 1, wherein an automatic follow process for automatically inputting predetermined follow information is executed when no input is made to the automatic follow item. The loan listing information is
It is configured to store a lending availability status indicating whether lending is possible or not, and inventory management presence / absence for selecting whether to carry out inventory management,
The management server
3. The lending / borrowing information processing system according to claim 1 or 2, wherein a stock management presence / absence selection process for selecting whether to perform stock management is executed. A loan seller terminal for entering loan listing information;
Borrower terminal that inputs borrowing request information,
Lending information for processing lending information using a lending information processing system including a management server that stores lending exhibition information input to the lending seller terminal and receives input of the borrowing request information based on the lending exhibition information A processing method,
By the management server,
When inputting loan listing information by the loan seller terminal,
Listing target category selection process for selecting the listing target category,
A loan information processing method for executing a category-specific exhibition registration screen display process for displaying a category-specific exhibition registration screen for displaying a registered item registration item corresponding to a selected item for exhibition.