WO2001063500A1 - Lease business supporting system and lease business doing method using the system - Google Patents

Abstract

A system for support lease business using a computer network, comprising client database managing means for registering, in a client database, information about an application for lease of lease objective commodity by a client if the lease company accepts the application, order information creating means for creating order information about an order of the lease objective commodity of the lease application in a supplier computer of the supplier of the lease objective commodity, use record database managing means for receiving commodity identification information from the supplier computer and registering it in a use record database, and maintenance requesting means for crating notification of a maintenance request to a maintenance company for the lease objective commodity lease to the client.

Description

 Specification

Leasing business support system and leasing business execution method using the system

[Technical field]

 The present invention relates to a resource operation support system using a computer network.

[Background technology]

 Conventionally, the consumption form of leasing has been considered mainly for enterprises because of the advantage that it can use assets such as equipment without transferring ownership, and that the used amount can be processed at cost. However, some products, such as car leases, for which a second-hand market has been established, are now being leased to the general public. Considering the simplification of credit enhancement for general individuals and the shortening of the development cycle of new products, consider leasing to individuals as the most promising market for future consumption. Can be. On the other hand, the environment surrounding manufacturers, such as the Home Appliance Recycling Law, is also becoming severe, and manufacturers are forced to take a consistent responsibility system from production to collection and disposal. In this regard, a lease form without transfer of ownership is considered to be a more appropriate method for managing products.

[Disclosure of the Invention]

The present invention has been made in view of the above situation, and supports the leasing business using a recently developed computer network so that the lease is widely used. The purpose is to provide a system for performing The lease business support system according to the first aspect of the present invention When responding to a lease application from a customer for a product, the customer database management means for registering information on the lease application in the customer database, and the order information of the leased product related to the lease application are subject to the lease. An order information generation means generated for the product supplier (or supplier computer), and a usage history database that receives product identification information from the supplier (or supplier computer) of the leased product and registers it in the usage history database It has a management means and a maintenance requesting means for generating a maintenance request notification to a maintenance company that performs maintenance on the leased product for the customer. With this system, it is possible to apply for leases, manage customers, order products to be leased, manage the usage history of products to be leased, and request maintenance of products to be leased. Also, by incorporating the maintenance contractor into the business scheme, the support for customers will be enhanced and the maintenance contractor will provide a new revenue source. The maintenance request means described above receives information about a maintenance company that performs maintenance on the leased product for the customer from the supplier (or the supplier computer) of the leased product, and sends a notification of the maintenance request based on the received information. It is also possible to adopt a configuration that generates such information. This is because if the supplier of the leased product and the maintenance company have some kind of tie-up relationship, it may be more appropriate to determine the maintenance company at the supplier of the leased product. Further, in the first aspect of the present invention, in response to a lease application from a customer for a product to be leased, a request for a credit check of the customer who has made the lease application is output to a credit check computer, and the credit check is performed. Have a means of receiving the results of a credit check from a computer Configurations are also possible. This is because a credit check request may be made via a network. Further, in the first aspect of the present invention, a configuration is possible in which a remuneration calculating means for calculating a remuneration for a maintenance company according to the number of customers in charge of maintenance is further provided. Shows the case where the number of customers in charge is used as the maintenance compensation system. However, the number of products subject to maintenance may be used. It may also depend on the actual number of maintenance operations. In addition, the above-described remuneration calculation means may be configured to calculate a remuneration of a maintenance contractor for installing a leased product in a customer's residence or collecting a leased product from a customer's residence. In the first aspect of the present invention, when the lease period of the leased product has expired, there is further provided a collection request generation means for generating a collection request of the maintenance target for collection of the leased product, and the usage history described above. It is also possible to configure the database management means to register the end of the lease period of the leased product in the usage history database. As a result, the usage history of the leased product can be used for reuse and recycling of the product. In addition, the use history database management means described above is used to transfer the data registered in the use history database regarding the leased products collected at the end of the lease period to the dealers who handle the collected leased products. It is also possible to adopt a configuration to extract as output. In this way, the usage history information is transferred together with the leased products and used for recycling. The handling company is, for example, a rental company that lends products to be leased or a rental division of a leasing company. Also, when the use history database management means described above is disposed of, the data registered in the use history database for the leased product is output to the supply source of the leased product. It is also possible to adopt a configuration in which extraction is performed. It complies with the Home Appliance Recycling Law. In addition, the maintenance request means described above is provided to the customer based on at least the residence resident of the customer from a maintenance company registration database in which a plurality of maintenance companies in cooperation with the supplier of the leased product are registered in advance. It is also possible to adopt a configuration in which a maintenance company that performs maintenance on the target product is determined. For example, the maintenance company is a manufacturer's primary dealer. According to a second aspect of the present invention, a method for performing a leasing business using a leasing business support system includes: when responding to a lease application from a customer for a leased product, information on the lease application in a customer database. Registering and generating ordering information for the leased item to the supplier (or source computer) of the leased item; receiving the product identification information from the source (or source computer) of the leased item; The method includes a step of registering in a usage history database and a step of generating a notification of a maintenance request to a maintenance company that performs maintenance of a leased product for a customer. The modification according to the first aspect of the present invention can be applied to the second aspect of the present invention. In addition, it is possible to create a program that causes a computer to execute the leasing operation execution method according to the second aspect of the present invention. In such a case, the above-described modification to the first embodiment can be applied to the program. It is. The program according to the present invention is stored in a recording medium such as a CD-ROM (Compact Disc-Read Only Memory), a DVD (Digital Versatile Disc), a floppy disk, a memory cartridge, a memory, a hard disk, or a storage device. You.

[Brief description of drawings]

 FIG. 1 is a block diagram illustrating an outline of the leasing business support system according to the first embodiment.

 FIG. 2 is a diagram illustrating a processing flow at the time of starting a lease according to the first embodiment.

 FIG. 3 is a diagram showing a processing flow at the end of a lease.

 FIG. 4 is a diagram illustrating a processing flow at the start of a lease according to the second embodiment.

 FIG. 5 is a diagram showing an outline of the leasing business support system according to the third embodiment. The main symbols used in these drawings will be described.

1 Network 3 Leasing company server

 5 Server for credit check company 7 Server for manufacturer

 9 Customer terminal 1 1 Terminal for maintenance company

 1 3 Rental server 1 5 Public line network

 1 7 Maintenance FAX 1 9 Customer phone

 3 1 Customer DB 3 3 Maintenance Agency DB

 3 5 Usage history DB 3 7 Call center

 7 1 Product number DB 7 3 Maintenance company D B

 1 3 1 Usage history D B

[Best mode for carrying out the present invention]

[Example 1] Fig. 1 shows an overview of the entire system of the first embodiment. Leasing companies in the leasing business use the leasing company server 3. The license company server 3 can use a customer database (DB) 31, a maintenance company DB 33, and a usage history DB 35 for the products to be leased. The credit bureau uses the credit bureau server 5. Manufacturers, which are suppliers of leased products, use maker servers7. The manufacturer server 7 can use the product number DB71 and the maintenance company DB73. The customer uses a customer terminal 9 which is, for example, a personal computer (PC). Although only one customer terminal 9 is shown in FIG. 1, there are many customer terminals 9. The maintenance company uses the maintenance company terminal 11 which is, for example, a PC. The maintenance customer terminal 11 1 has a maintenance customer DB 11 1. Although FIG. 1 shows only one terminal 11 for the maintenance company, there are many terminals 9 for the maintenance. A rental company that operates a rental business uses rental company services 13. The rental agent server 13 can use the usage history DB 13 1. These servers and terminals are connected to a network 1 that is, for example, the Internet. In addition, each server may be constituted by one computer. In some cases, a plurality of servers may cooperate to achieve necessary functions. For example, the lease company server 3 can be configured to include a web server that accepts a lease application from a customer and a DB server that manages various databases. In addition, the server for the leasing company 3 needs to perform processing such as billing or collecting lease payments to customers and calculating maintenance fees for maintenance contractors, so it is necessary to prepare an application server separately. Configurations are also possible. The server 7 for the manufacturer can also be configured to cooperate with a server that performs processing such as production of products to be leased and ordering of parts, or a separate database management server that manages various databases. Although not shown in the figure, the database required for the credit check is also used for the server 5 for the credit check company. Therefore, a configuration in which a database management server that manages these databases is separately prepared is also possible. The same applies to the rental agent server 13. Furthermore, each terminal may be directly connected to the network 1, or if the network 1 is the Internet, the terminal is connected to the network 1 via a server of an Internet connection company. May be. Also, all of the networks 1 may not be the same type of network. That is, a communication mode in which the lease company server 3 and the credit bureau server 5 are connected by a dedicated line can be adopted. This can easily solve security problems. Furthermore, the same can be said between the server 3 for the leasing company and the server 7 for the maker, and the server 3 for the leasing company and the server 13 for the rental company. However, security issues can be solved by other technical means such as encryption. Servers that provide various other services are connected to network 1, and each server and terminal use those services as needed. For example, Network 1 has a server connected to a trading company that exports the leased goods collected at the end of the lease period, or a server that hosts an auction of similarly collected leased goods. May be connected. Leasing companies may also use multiple manufacturers, credit bureaus, and rental companies. Next, the processing flow of the entire leasing business support system shown in Fig. 1 and the business scheme will be described. The leasing company has set up a web site for accepting lease applications that includes a search function for products to be leased, for example, household appliances, using the server 3 for leasing companies. The customer operates the customer terminal 9 to access the lease application acceptance website and search for a product to be leased. When the customer finds the product they like, the customer enters the personal information and the identification information of the product to be leased on the website for accepting the lease application, and makes a lease application. For example, personal information is an address, name, credit card number, and the like. Upon receiving the lease application, the server 3 for the leasing company inquires the client 5 who applied for the lease to the server 5 for the credit preparation company of the credit bureau in order to determine whether accepting the lease application will cause any problems. I do. The credit bureau server 5 receives a credit bureau request and conducts a credit bureau of the customer. The survey result is returned to the lease company server 3 via the network 1. The leasing company decides whether to accept the lease application based on the survey results. In some cases, the leasing company server 3 may make the determination automatically. If we do not accept a lease application, we will notify the customer accordingly. On the other hand, when accepting a lease application, the customer is notified accordingly. However, when accepting a lease application, it is optional to notify at this time. For example, it is possible to be notified along with the delivery schedule of the leased product. If a lease application is accepted, the lease company server 3 registers information on the lease application in the customer DB 31. Next, the lease company server 3 sends an order for the leased item to the manufacturer server 7. This order can be placed once a week or once every two days, for example. It is also possible to wait until the number of orders reaches a certain level. The order also includes the type and quantity of the leased product in response to each lease application, as well as customer identification information for delivery of the leased product from the manufacturer, such as customer ID and address. The maker server 7 receives the order request and produces the leased product based on the order request. Then, for example, a home appliance maker attaches a product number (identification number) to a home appliance, which is a product to be leased, and registers it in a product number DB71. In addition, this product number is transmitted to the lease company server 3 in association with the identification information of the customer using the product number. The lease company server 3 receives the product number and the corresponding customer identification information, registers it in the customer DB 31 and registers it in the usage history DB 35 to store the usage history of the leased product. . It should be noted that the usage history DB 35 stores the usage history of the product to be leased, such as the manufacturing date and time and the lease start time, in addition to the product number, without registering the customer information. The contents of this usage history DB 35 will be used later as information for reuse / recycling of leased products. In addition, the server 3 for the leasing company selects a company that performs maintenance of the leased product. For example, a maintenance company is a store affiliated with a home appliance manufacturer. It is necessary to register this maintenance contractor in advance. The maintenance company registered in advance is registered in the maintenance company DB33. In the case of a home appliance manufacturer affiliated store, a maintenance company is also registered with the manufacturer. Therefore, in FIG. 1, the maintenance company DB 73 is connected to the maker server 7. The maintenance contractors are classified, for example, by area, and a maintenance contractor in charge of the area to which the customer's residence belongs is selected. This selection can also be performed automatically by the leasing company server 3. When the lease company server 3 determines the maintenance contractor for the current lease application, the maintenance company Notify the maintenance contractor of the maintenance request by e-mail or the like. The maintenance request may be sent directly by e-mail, or a website for the maintenance company may be provided, and the maintenance company shall be configured to log in and access the website. Is also possible. The terminal 11 for the maintenance company registers the information of the customer in the maintenance customer DBill based on the maintenance request. When the manufacturer selects and manufactures the leased product, the leased item is delivered directly to the customer. The maintenance contractor goes to the customer's residence to set up the leased product. Note that the manufacturer may deliver the product to a maintenance company instead of delivering it directly to the customer, and the maintenance company may contact the customer and perform the delivery and installation. The above is the processing flow at the start of the lease. This simplifies the operation of the leasing company and allows the leasing company to broadly accept leasing on the web, thereby promoting customer development. Manufacturers are expanding sales channels like never before, increasing sales. Maintenance contractors will be able to earn maintenance fees and will also be able to reach new customers. Customers will also be able to receive services tailored to the new way of life. Next, the processing when the lease period expires is described. Before the lease expires, for example two months before, the leasing company informs the customer, for example by email, that the lease is about to expire. Other means such as mail may be used for this notification. Also, a method may be used in which the maintenance contractor in charge of the customer is notified of the expiration of the lease period, and the maintenance contractor is notified of the expiration of the lease period by telephone or the like. In any case, the customer decides whether to re-lease at the end of the lease term, purchase the leased product, purchase a separate product, or enter into a new lease. If it is necessary to collect the leased goods currently in use, for example, by forming a new lease, the customer operates the customer terminal 9 and sends a request for collection to the server 3 for the leasing company. When the maintenance contractor notifies that the lease period has expired, a configuration in which the maintenance contractor sends a collection request to the lease company server 3 on behalf of the customer is also possible. On the other hand, the lease company server 3 generates a collection request for the leased product to the maintenance company in charge of the customer and transmits the request to the maintenance company. Even if the maintenance company sends a request for collection to the lease company server 3 on behalf of the customer, the collection request is sent from the lease company server 3 for confirmation. In addition, the lease company server 3 registers the end of the lease period of the collected leased product in the usage history DB 35. The leased product collected by the maintenance company is delivered to the leasing company or a company affiliated with the leasing company. Then, predetermined inspection and maintenance are performed. It should be noted that a predetermined inspection and maintenance may be performed by the maintenance company that has performed the collection. The results of the prescribed inspection and maintenance may also be registered in the usage history DB 35. The leasing company then decides how to handle the collected leased goods based on the results of the prescribed inspection and maintenance. In other words, if the condition is good, it is decided to transfer to a rental company or to a rental division run by a leasing company. If it cannot be used for the rental business, it will be decided to export overseas, for example, through a partner trading company. If it cannot be used, discard it. If you want to transfer it to a rental company, rent the leased item At the same time as delivering to the contractor, extract the information on the leased product in the usage history DB 35 and output it to the rental contractor. For example, it transmits to the rental agent server 13 via the network 1. Then, the rental agent server 13 registers in the usage history DB 13 1 connected to the rental agent server 13. If exporting overseas through a partner trading company, the collected leased products will be delivered to the trading company. When exporting overseas, usage history information may not be needed. When necessary, the lease company server 3 extracts the usage history of the leased product from the usage history DB 35 and passes it to the trading company. For example, send it over the network 1 to a computer used by a trading company. If the collected leased product is discarded, the manufacturer will ultimately dispose of the leased product. This means that when the Recycling Law comes into effect, manufacturers must establish and operate designated exchanges and recycling facilities to receive waste home appliances (for example, televisions, washing machines, refrigerators, and air conditioners) and to operate waste home appliances. This is to respond to the obligation to deliver to recycling facilities. Therefore, if the leasing company decides to discard the leased product, it will deliver the discarded leased product to the manufacturer. Then, the lease company server 3 extracts the usage history information on the product to be released from the usage history DB 35 and passes it to the manufacturer. For example, the lease company server 3 sends the request to the manufacturer server 7 via the network 1. Even if the leased product is transferred to the rental company, the rental company manages the usage history DB 131, and this usage history DB 131, It will be possible to request the manufacturer to dispose of waste in the same procedure as described above. That is, if the rental company decides to discard, the product is delivered to the manufacturer. The usage history of the product to be discarded is extracted from the usage history DB 13 1 and passed to the manufacturer. For example, the rental agent server 13 transmits to the manufacturer server 7 via the network 1.

As described above, there is also a mechanism to reduce social environmental costs by transferring the usage history of leased products whose lease period has expired and maintaining information for recycling and disposal. It is provided. Next, the operation (at the start of the lease) of the leasing business support system of the first embodiment is summarized using FIG. First, the customer operates the customer terminal 9 to send a lease application specifying the leased product to the lease company server 3 (step (1)). The lease company server 3 receives the lease application sent from the customer and stores it in the storage device (step (2)). Then, in response to the lease application, the lease company server 3 sends a credit check request for the customer to the credit check company server 5 (step (3)). The credit bureau company server 5 receives the credit bureau request, and the credit bureau performs a credit bureau for the customer (step (4)). The credit bureau server 5 can also automatically perform the credit bureau if it is only necessary to check whether the credit bureau is listed on a so-called black list prepared in advance. Then, the credit bureau company server 5 transmits the credit bureau result to the leasing company server 3 (step (5)). When the leasing company server 3 receives the result of the credit check (step (6)), the leasing company determines whether or not to accept the lease application from the customer based on the result of the credit check (step (7)). If, if it is determined that does not accept the lease application, on the other hand _c carry out the notification of the customer to apply non-acceptance, in the case of accepting a lease application is, even if the notification of the application accepted by this point, after the delivery notification, etc. (Step (7 ')). If accepting a lease application from a customer, the contents of the lease application are registered in the customer DB 35 (step (8)). Then, an order for the leased product is issued to the company (step (9)). That is, the lease company server 3 generates and sends order information to the manufacturer server 7. In the manufacturer, the manufacturer server 7 receives the order, stores the storage device (step (10)), and produces the leased product by the production equipment (step (11)). The leased product can be a leased product or a product sold generally. When the manufacturer determines the product number (identification number) of the product to be released, the product number is transmitted from the manufacturer server 7 to the lease company server 3 (step (1 2)). As described above, the product number is management information that is transferred and managed together with the transfer of leased products. When the server 3 for the leasing company receives the product number from the server 7 for the maker, it registers the product number in the usage history DB 35 (step (13)). Then, determine the maintenance company for the customer. In addition, a maintenance request is created and sent to the maintenance contractor (step (14)). The terminal 11 for the maintenance company registers the customer in the maintenance customer DBill based on the maintenance request (step (15)). When information such as the delivery schedule is obtained from the manufacturer along with the product number, a delivery notice may be sent to the customer (step (14 ')). When the manufacturer produces the leased product, the manufacturer distributes the leased product to the customer (step (16)). Along with delivery, a maintenance company visits the customer's residence to install products. (17)). The above is the processing flow at the start of the lease. The payment of the lease fee is made, for example, by the customer to the leasing company on a monthly basis (step (18)). In addition, the fee for the credit check is made by the leasing company to the credit check company (step (19)). Furthermore, in leasing, since the leasing company has ownership of the products to be leased, the leasing company pays the merchandise price to Meichirichi (Step (20)). Then, the maintenance company that has requested maintenance of the leased product is paid a monthly maintenance fee from the leasing company, for example (step (21)). Remuneration to maintenance companies is calculated based on, for example, the number of customers in charge. In addition, there may be a remuneration system that pays the installation fee to the customer's residence each time it is installed. In addition, the remuneration may be calculated based on the number of devices in charge, or based on the actual number of maintenance tasks. Leasing company server 3 also includes an accounting program that calculates commissions and rewards as described above. Next, the processing at the time of collecting products to be leased according to the first embodiment will be summarized with reference to FIG. For example, two months before the end of the lease period, the leasing company outputs a lease end notice to the customer (step (1)). The lease company server 3 may send an e-mail to the customer or notify the customer by mail. On the other hand, if the customer decides to stop using the current leased product, the customer notifies the leasing company of the request for collection (step (2)). In this case, the customer may reply to the request for collection by e-mail, may reply by mail, or may reply by telephone. The leasing company receives the customer's request for collection, and registers in the usage history DB that the leased product used by the customer will be collected (step (3)). Then, a collection request is made to the maintenance company in charge, and Know (Step (4)). That is, the lease company server 3 creates a collection request and sends it to the maintenance company in charge. For example, the maintenance contractor terminal 11 receives the collection request and stores it in the storage device. In response to the request for collection, the maintenance company goes to the customer's residence and collects the leased product (step (5)). Then, return the leased product collected to the leasing company or its affiliates (step (6)). The leasing company or its affiliated company checks the status of the collected leased products (Step (7)). The maintenance contractor may check the status of the leased products. In addition, cleaning and repair are performed. The leasing company decides how to dispose of the leased product based on the status confirmation. That is, if the condition is good, it is transferred to the rental company (step (8)). The lease company server 3 registers in the usage history DB 35 the status of the leased products, the details of repairs, etc., and the transfer to the rental company, so that the rental company can not only lease products but also lease company servers. 3 also passes the data on the leased product extracted from the usage history DB 35 (step (9)). If the rental agent server 13 is connected to the network 1, the leasing company server 3 sends the data extracted from the usage history DB 35 to the rental agent server 13 (step ( Ten)). The rental agent server 13 registers the received usage history data in the usage history DB 13 1 of the rental agent server 13. After that, the rental company uses the leased product for its rental business. On the other hand, if the disposal of the collected leased product is determined (step (8-2)), the disposal of the leased product is recorded in the usage history DB 35, and the data on the leased product is extracted ( Step (9-1-2)). The leasing company returns the collected leased products to the manufacturer. This is a procedure in accordance with the Home Appliance Recycling Law. And a leasing company server In step 3, the extracted usage history data is transmitted to the maker server 7 via the network 1 (step (10_2)). The main server 7 checks the data of the product number DB 71 to confirm that the product is its own product, and puts the collected leased product into the disposal / recycling process. The above is the leasing business support system and its operation in the first embodiment. Embodiment 1 is also merely an example. For example, it is possible to manually request a credit check and receive the check result by mail or fax without going through the network 1. In addition, the maintenance contractor's decision, such as the maintenance request creation and notification, may be made immediately after accepting the lease application, for example.

[Example 2]

The lease business support system in the second embodiment is the same as FIG. 1 in the first embodiment. However, there are some differences in the operation of the leasing business support system, especially at the start of leasing. Hereinafter, description will be made with reference to FIG. First, the customer operates the customer terminal 9 to transmit a lease application designating the product to be leased to the lease company server 3 (step (1)). The lease company server 3 receives the lease application sent from the customer (step (2)). Then, in response to the lease application, the lease company server 3 transmits a credit check request for the customer to the credit check company server 5 (step (3)). The credit bureau server 5 receives the credit bureau request, and the credit bureau performs a credit bureau for the customer (step (4)). Then, the credit bureau company server 5 transmits the credit bureau result to the lease company server 3 (step (5)). When the leasing company server 3 receives the credit check result, it stores it in the storage device (step (6)), and based on the result of the credit check, the leasing company Judge whether to accept the lease application (step (7)). If it is determined that the lease application will not be accepted, the customer will be notified that the application has not been accepted. On the other hand, when accepting a lease application, the application may be notified at this time or at the same time as delivery notification, etc. (step (7 ')). If accepting a lease application from a customer, the contents of the lease application are registered in the customer DB 35 (step (8)). Then, an order is placed for the leased product to the manufacturer (step (9)). That is, the lease company server 3 generates and sends order information to the manufacturer server 7. In the manufacturer, the manufacturer server 7 receives the order, stores it in the storage device (step (10)), and produces the leased product at the production facility (step (11)). When the manufacturer determines the product number (identification number) of the product to be leased, the product number is transmitted to the server 3 for the leasing company from the server 7 for the manufacturer (step (1 2)). Upon receiving the product number from the main server 7, the lease company server 3 registers the product number in the usage history DB 35 (step (13)). Up to this point, the operation is the same as that shown in Fig. 2. Next, the maker server 7 determines a maintenance company that performs maintenance on the leased product of the customer who has received the order using the maintenance company DB 73 (step (14)). As mentioned above, you can search for the maintenance company in charge of the customer's residence. Then, the maintenance company identification information is transmitted to the lease company server 3 via the network 1 (step (15)). The maker server 7 may generate a maintenance contractor designation notice to the effect that the determined maintenance contractor is responsible for the maintenance of a certain customer, and send it to the maintenance contractor. Re, (Step (1 5 ')). At the same time as this notification, the delivery schedule of the leased item may be notified. The lease company server 3 receives the maintenance company identification information from the manufacturer server 7 and stores it in the storage device (step (16)), creates a maintenance request based on the specified maintenance company identification information, and generates the maintenance request. Notify the maintenance company (step (17)). Notifications can also be sent by e-mail, fax or mail. The maintenance contractor terminal 11 registers the customer in the maintenance customer DB 111 based on the maintenance request (step (18)). In the present embodiment, it is assumed that the delivery notification to the customer is made directly by, for example, a main company or by a maintenance company (step (17)). It is also possible to have a configuration that is performed by the company, and the leased item is delivered from the manufacturer (step (19)), and a maintenance company is present at the installation of the item (step (20)). Steps (18) to (21) included in Fig. 2 of Fig. 1 are the same as in Example 2. The processing at the time of collecting the leased product is the same as that in Fig. 3 of Example 1. The above is the leasing business support system and its operation in Embodiment 2. Embodiment 2 is also an example, and for example, a credit check can be manually performed without going through the network 1 for a credit check, and a mail or fax can be used. Received the survey results at It is also possible to or Tsu. In addition, it is also possible to add a process to register the leasing company for the server 3 force S, the maintenance vendor identification information received from the manufacturer for the server 7 in the customer DB 3 1. [Example 3]

In the third embodiment, unlike the first embodiment, it is assumed that a terminal for the maintenance company is not installed in the maintenance company and a customer terminal is not installed in the customer. That is, as shown in Fig. 5, the server 7 for the manufacturer, the server 13 for the rental company, the server 5 for the credit bureau, and the server 3 for the leasing company are connected to the network 1 in the same manner as in the first embodiment. Have been. The maintenance agent DB 73 and product number DB 71 managed by the manufacturer's primary server 7, the usage history DB 13 1 managed by the rental agent server 13 3, and the customer DB managed by the lease company server 3 3 1 and maintenance company DB 3 3 and usage history DB 35 are also the same as in the first embodiment. However, the leasing company 300 is provided with a call center 37, and the customer's telephone 19 is connected to the call center 37 via the public telephone network 15. Also, since the notification from the lease company server 3 is sent to the maintenance company by fax, the lease company server 3 and the maintenance company FAX 17 are connected via the public line network 15. The terminals of the call center 37 are connected to the lease company server 3. The operation of the leasing business support system of the third embodiment shown in FIG. 5 is substantially the same as that of the first and second embodiments. A customer's lease application is made by telephone (step (1) in Figs. 2 and 4), and a notification of the application result from the leasing company ((7 ') in Figs. 2 and 4) is sent by e-mail. The delivery notice (step (14 ') in Fig. 2 and the step (17') in Fig. 4) is also sent by mail instead of e-mail. The first and second embodiments are that the lease company is notified of the expiration of the lease period by telephone or mail (step (1) in Fig. 3), and that the customer is also notified of the request for collection by telephone or mail. And different. Regarding maintenance contractors, the maintenance request notification from the leasing company (step (14) in Fig. 2) and step (17) in Fig. 4 are sent by fax or mail, and the maintenance contractor is designated by the manufacturer. Notification (step (15 ') in Fig. 4) is also performed by fax or mail, and collection request notification from the leasing company (step (4) in Fig. 3) is also performed by fax or mail. In Example 1 and Example 2. As for the maintenance company, the method of registering the maintenance customer DB in step (15) in Fig. 2 and step (18) in Fig. 2 differs depending on the maintenance company. That is, it may be managed by paper, or a computer not connected to the network may be used. As described above, the basic processing flow does not change only in the communication mode. [Other Examples]

 In FIGS. 1 and 5, the maker server 7 is connected via the network 1; however, it is possible that the maker server 7 is not connected to the network 1. In that case, the exchange between the leasing company and the manufacturer will use FAX and mail. In other words, product orders and product number notifications are exchanged by fax or mail. The embodiment described above is an example, and many variations are possible in addition to the modifications described above. [Industrial applicability]

 As described above, according to the present invention, a system for supporting a leasing business can be provided.

Claims

The scope of the claims 1. When responding to a lease application from a customer for a product to be leased, a customer database management means for registering information on the lease application in a customer database;  The order information for the leased product pertaining to the lease application is -Order information generation means generated for the supplier of the target product;  A usage history database management unit that receives product identification information from a supplier of the leased product and registers it in a usage history database, and generates a maintenance request notification to a maintenance company that maintains the leased product for the customer. Maintenance request generation means  Leasing business support system with 2. The maintenance request generation means includes:  Receives information about a maintenance company that performs maintenance on the leased product for the customer from the supplier of the leased product, and generates a maintenance request notification based on the received information.  The leasing business support system according to claim 1, wherein: 3. In response to the customer's application for a lease for the leased product, output a credit check request for the customer who made the lease application to a credit check computer, and the credit check result is output from the credit check computer. Means to receive  The leasing business support system according to claim 1, further comprising: 4. Remuneration calculating means for calculating a remuneration for the maintenance company according to the number of customers in charge of maintenance, The leasing business support system according to claim 1, further comprising: 5. The reward calculation means is:  Calculate the maintenance company's remuneration for installing the leased product in the customer's residence or collecting the leased product from the customer's residence.  5. The leasing business support system according to claim 4, wherein: 6. A collection request generating means for generating a request for collection of the leased product to the maintenance contractor when the lease period of the leased product has expired.  Further having  The use history database management means,  Register the end of the lease period of the leased product in the usage history database  The leasing business support system according to claim 1, wherein: 7. The use history database management means is:  Extract data registered in the usage history database for the leased product collected at the end of the lease period as output to the dealer who handles the collected leased product.  7. The leasing business support system according to claim 6, wherein: 8. The use history database management means is:  When discarding the leased product, the data registered in the usage history database is extracted as output to the supplier of the leased product.  The leasing business support system according to claim 1, wherein: 9. The maintenance request generation means includes: Multiple maintenance partners in partnership with the supplier of the leased product From the maintenance company registration database in which the companies are registered in advance, a maintenance company that performs maintenance of the leased product for the customer is determined based on at least the residence area of the customer.  The leasing business support system according to claim 1, wherein: 10. This is a method of implementing a leasing business using a leasing business support system. When responding to a lease application from a customer for a product to be leased, register the information on the lease application in the customer database, and Generating ordering information for the product to be released to the supplier of the product to be released; and  Receiving product identification information from a supplier of the product to be released and registering it in a usage history database;  Generating a notification of a maintenance request to a maintenance company that performs maintenance on the leased product for the customer. 1 1. Receiving information from a supplier of the leased product regarding a maintenance company that maintains the leased product for the customer.  10. The method according to claim 10, further comprising: 1 2. Maintenance of the leased product to the customer based on at least the customer's residence based on a maintenance company registration database in which a plurality of maintenance contractors that are affiliated with the supplier of the leased product are registered in advance. Steps to determine the maintenance contractor to be performed  10. The method according to claim 10, further comprising: 1 3. A storage medium storing a lease business program used in the leasing business support system, The program for leasing business, when responding to a lease application from a customer for a leased product to a computer, registers information on the lease application in a customer database, and stores the ordering information of the leased product in the leasing target. Generating for the product supplier;  Receiving product identification information from a supplier of the leased product and registering it in a usage history database;  Generating a notification of a maintenance request to a maintenance company that performs maintenance on the leased product for the customer; and a recording medium for executing the notification. 1 4 · A leasing business program used in the leasing business support system,  The leasing business program includes:  When responding to a lease application from a customer for the leased product, registering the information on the lease application in the customer database and generating order information for the leased product to the supplier of the leased product When,  Receiving product identification information from a supplier of the leased product and registering it in a usage history database;  Generating a notification of a maintenance request to a maintenance agent that performs maintenance on the leased product for the customer; and a lease business program for executing the following.