JP4550966B2 - Electronic contract brokerage system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
  The invention provides for lease / credit / loan and / or rental contracts.Electronic contract brokerage systemAbout.
[0002]
[Prior art]
  Conventionally, in small and medium-sized enterprises, etc., each month, fixed costs excluding so-called personnel expenses such as utility costs / fuel costs for sales, etc. are sold for each store by lighting / cooling / heating of the store. Yes. In order to reduce such utility costs / fuel costs, so-called energy-saving devices are purchased, and lease / credit / loan and / or rental contracts are concluded for the total amount including the installation work fee to reduce utility costs / fuel costs. This is also generally done. For example, for a power energy reduction device equivalent to 200,000 yen as an example, the monthly payment amount is about 2000 yen in a 60-month lease contract. And if this energy saving apparatus is utilized, the saving effect of the electric charge of about 5,000-10 thousand yen is normally implement | achieved monthly. In addition to the above-mentioned utility costs / fuel costs, we also make lease / credit / loan and / or rental contracts for the purchase of products such as computers and automobiles, communications services such as the Internet, non-life insurance, travel, and nursing care services. It is generally implemented to conclude and use. For example, in the case of a security service by a security company as an example, a service contract equivalent to 900,000 yen has a 60-month lease contract and the monthly payment amount is about 15,000 yen. Therefore, with the company that performs the purchase and installation work of the energy-saving device mentioned above, the company that sells products such as computers and cars, and the service provider such as communication services such as the Internet, property insurance, travel, and nursing care services In general, when different services are used, including the purchase and installation work of energy-saving devices, and the use of products such as computers and automobiles, or services such as communication services / casualty insurance / travel / care services, etc. In general, the total amount of lease / credit / loan and / or rental contracts is close to the sum of each service usage (approximately 17,000 yen / month in the above example), and the contract is concluded It was common to be.
[0003]
[Problems to be solved by the invention]
  However, in the case where the service including the purchase and installation work of the energy saving device described above and the product use service such as a computer or a car, or the service such as communication service / travel are used at the same time, lease / credit / loan and / or If the total amount of rental contracts is close to the sum of the amount used for each service, there is a problem that very few SMEs actively conclude such contracts. In addition, it has become a problem that small and medium-sized enterprises who want to reduce their spending for the time being use a service including the purchase and installation work of the above-mentioned energy-saving device. In addition, companies with lease / credit / loan and / or rental contracts typically perform the credit management of the lease / credit / loan and / or rental company appropriately to reduce the risk of non-payment. Minimizing is the biggest challenge. On the other hand, companies that provide services including the provision and installation work of energy-saving devices described above to SMEs who want to reduce their spending as much as possible will want to provide energy-saving services for as many SMEs as possible. Had a point. The present invention has been made in view of the circumstances as described above, and the object of the present invention is to purchase and install an energy saving device while minimizing the additional expense for small and medium enterprises who want to reduce the expenditure for the time being. Enabling the use of services including work, and energyCost reductionIt is possible to use additional services as much as the reduction, and to provide / introduce more customers to companies that provide services including energy saving equipment provision and installation work, leasing / credit / loan and / or The company that rented the contract has a lease / credit / loan and / or rental that can be safely and reliably acquired.Electronic contract brokerage systemIs to provide.
[0004]
[Means for Solving the Problems]
  The present invention provides lease / credit / loan and / or rentalElectronic contract brokerage systemThe above object of the present invention relates to a contract client having at least an input / output device and a WWW browser.ofContractor client having a terminal and at least an input / output device and a WWW browserofA terminal, a payment processing institution for settlement of electronic commerce, and energy conservationProducts / services including equipment and its installation servicesProduct / service providing client having at least an input / output device and a product / service / registration / update unitofThe terminal and the electronic contract brokerage server are connected to each other via a network.
  The electronic contract mediation server includes a WWW server, a product / service registration unit,Information on the name, price, etc. of the energy-saving device and the time / price information of its installation service are stored.Energy-saving product database,Stores information such as the name and price of so-called normal sales products other than the energy-saving deviceA regular product database,Stores information such as the name and price of the so-called normal sales service other than the sales and installation service of the energy saving device.A contract processing unit having a normal service database, a parameter analysis unit, a data search / integration unit, and a contract content creation unit, and the contract clientofIt consists of a display information generation unit that generates various display information in response to a contract estimate request from a terminal,
  AboveContractorBetween the client and the contracted clientElectronic contract brokerage serverThrough the energy savingEquipment and its installation serviceLeasing / credit / loan and / or rental for(Hereinafter referred to as “lease, etc.”) and at the same time expected by the operation of the energy-saving device introduced by the lease, etc.Utility / fuel costsplansReductionElectronic contract brokerage system that brokers contracts such as leases for the above-mentioned ordinary sales products and / or services that can be contracted in the amount corresponding to the amountBecause
  AboveContractorclientofIn response to a contract request from a terminal, the product / service registration unit in the electronic contract mediation server,SaiddisplayinformationThe generation unit, the energy saving product database, and the contract processing unit,
  Collect monthly light and / or fuel usage for at least 3 monthsmeansWhen,
  From the collected light usage and / or fuel usage, the energy saving is performed.When using the deviceMonthlySaidUtility / fuel cost planned reductionAnd a means for calculating a total amount C to be reduced within the scheduled contract period of the lease or the like, and extracting the energy saving device price A and the installation service price B from the energy saving product databaseWhen,
  Means for setting a planned total amount D such as a lease for the normal sales goods and / or services within a range not exceeding the total reduction C;
  The leaseTotal planned amount DContract availableNormal salesProduct and / or service contents are stored in advanceThe normal commodity database and / orExtract and present from the normal service databasemeansAndPreparation,
  AboveContractorclientofPresented by the terminalNormal salesThe desired product / service is identified from the product and / or service contentThe contract content is sent to the terminal of the contracting client,
  When the contract content is transmitted from the contract processing unit, the terminal of the contract source client sends the specified normal sales product and / or the specified transaction processing account of the product / service providing client to the account of the predetermined settlement processor. The contract price for the service is transferred in a lump sum including the energy-saving device price A and the installation service price B, and the contract scheduled period from the account of the settlement processor designated by the contract client Electronic contract mediation system for leases, etc., characterized in that it executes a process of deducting the monthly contract amount forIs achieved.
[0005]
DETAILED DESCRIPTION OF THE INVENTION
  Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a diagram showing an example of a system configuration of the entire electronic contract brokerage system according to the present invention. The electronic contract brokerage system includes a contract client 1, an electronic contract brokerage server 2, a product / service providing client 3, a contract originator. It is composed of hardware such as a client 4 and payment processing institutions 5a and 5b, and these are physically connected by a network 9. In the following description, it is assumed that the network 9 that connects the contract client 1, the electronic contract mediation server 2, the product / service providing client 3, the contract source client 4, the payment processing institutions 5 a and 5 b is the Internet. . First, the contract client 1 is a terminal used for a lease / credit / loan and / or rental electronic contract brokerage service when an energy-saving device is to be introduced in a small business or the like. An input / output device 11 and a WWW browser 10 realized by a top computer and operated at a contracted SME user, specifically, the input / output device 11 includes an input device such as a keyboard and a mouse, and This is realized by an output device such as a CRT display means / liquid crystal display means. Further, the contract client 1 is a WWW browser 1 as an interface with the electronic contract mediation server 2.0In a personal computer or the like, the WWW browser 10Is normally realized as a program stored in the memory. Next, the product / service providing client 3 uses the product / service registration / update unit 32 via the input / output device 31 to perform registration / update processing of available product / service information. The product / service information registered / updated here is transferred to the electronic contract brokerage server 2 via the network 9 and classified into the energy saving product DB 22a, the normal product DB 22b, and the normal service DB 22c by the product / service registration unit 21. After stored. In this embodiment, the product / service information includes product / service name, number, price, description of the product / service, text data such as product / service management information, and image data of the product / service. In addition, the product / service providing client 3 may be directly connected to the electronic contract mediation server 2 without going through the network 9. Accordingly, the product / service providing client 3 also includes an input / output device 31 for electronic catalog creation processing, text data such as a name, item name, and price necessary for the product / service to be registered / updated, and It is possible to create image data or the like for displaying the product shape. As the input / output device 31, an information processing device such as a personal computer equipped with a keyboard, a mouse, a CRT / liquid crystal display means, etc. can be used./serviceThe registration / update unit 32 can be realized by a program stored and executed in the memory of such an information processing device.
[0006]
  Next, the electronic contract mediation server 2 includes a WWW server 20, a product / service registration unit 21, an energy saving product DB 22a, a normal product DB 22b, a normal service DB 22c, a contract processing unit 24, a display information generation unit 26, and the like. The processing unit 24 includes a parameter analysis unit 24a, a data search / integration unit 24b, a contract content creation unit 24c, and the like. Thus, the WWW (World Wide Web) server / CGI (Common Gateway Interface) 20 functions as an interface with the contracted client 1, receives display request information from the contracted client 1, and receives the requested display data. At the same time, it receives lease / credit / loan and / or rental contract estimate request information from the contract client 1 and transfers the requested contract estimate data. In addition, the product / service registration unit 21 receives the available product / service information output from the product / service providing client 3, classifies them according to predetermined criteria, and stores them in the energy saving product DB 22a, the normal product DB 22b, and the normal service DB 22c. It is stored and registered / updated. Further, the energy saving product DB 22a stores information such as the name and price of an energy saving device to be described later that can be provided by this system, and the time / price information of the installation work, and the normal product DB 22b stores the above energy saving device. Information on names, prices, etc. of so-called normal sales products other than the above are stored, and information on names, prices, etc. of so-called normal sales services other than the above-mentioned energy saving services are stored in the normal service DB 22c. Yes. Next, the contract processing unit 24 is provided with a parameter analysis unit 24a, a data search / integration unit 24b, a contract content creation unit 24c, and the like, and a contract estimate request for lease / credit / loan and / or rental is received from the contract client 1. The information is received, and the parameter analysis unit 24a collects the monthly photothermal use amount and / or the fuel use amount to analyze the information related to energy saving, or the data search / integration unit 24b analyzes the photothermal energy for each month from the use amount. Energy saving equipment price A and installation work price B that normally reduce the cost / fuel cost, and the total purchase amount (A + B) of the energy saving equipment, and the energy saving price that can be realized within the planned lease / credit / loan and / or rental contract period Calculated from the total amount C, or from these energy-saving-related amounts (A + B + C), Scheduled total amount / loan planned total amount and / or rental planned total amount D can be calculated, and contract content creation unit 24c can contract with the above-mentioned lease total amount / credit planned total amount / loan planned total amount and / or rental planned total amount D. A product and / or service content that is different from the utility / fuel cost reduction service is extracted from a storage unit that is stored in advance and presented, or a desired product / service is identified from the presented product and / or service content. Or a lease contract / credit contract / loan contract and / or rental contract that includes the specified goods and / or service contents and includes the equipment and installation costs to realize the planned reduction in the utility costs / fuel costs. It comes to conclude. The display information generation unit 26 generates various display information in response to a contract estimate request from the contract client 1. Further, when the contract processing unit 24 specifies lease / credit / loan and / or rental contract contents, the contract contents are transmitted to the contract source client 4. On the other hand, in the contract source client 4, when the contract content of lease / credit / loan and / or rental is transmitted from the contract processing unit 24, the contract content is confirmed and the product / service providing client 3 Then, the contract amount is collectively transferred to the account of the predetermined settlement processor 5a, and the contract amount is received from the account of the designated settlement processor 5b every month for a predetermined period for the contract client 1. The withdrawal process is executed. The electronic contract mediation server 2 can also be realized by using information processing devices such as a personal computer and a workstation, and each processing unit described above, that is, the WWW server 20, the product / service registration unit 21, and the contract processing unit 24. The display information generation unit 26 and the like are actually stored in the form of a program in a memory included in the information processing device and executed.
[0007]
  In such a configuration, lease / credit / loan and / or rentalElectronic contract brokerage systemOf processingProcessWill be described in detail with reference to the flowchart of FIG. First, energy-saving devices that can be used in the electronic contract brokerage system of the present invention include a reduction in utility costs due to inverter driving devices for lighting fixtures, a reduction in utility costs / fuel costs due to micro gas turbine generators, and an improved energy-saving effect. Reduction of utility costs with air conditioning units, reduction of utility costs with current balancers, reduction of utility costs with devices for changing contract power, reduction of utility costs with gas flow reduction devices, reduction of utility costs with water flow reduction devices, Various energy-saving related products / systems including at least one fuel cost reduction by the vehicle fuel efficiency improvement device are provided by the product / service providing client 3, and sequentially via the network 9, the electronic contract mediation server 2 To a predetermined database (which constitutes a storage unit) 22aProduct / ServiceIt is registered / updated via the registration unit 21, and a lease contract / credit contract / loan contract and / or a rental contract can be performed by the contract clients 1a to 1n. Further, from the product / service providing client 3, as a normal contractable product and / or a normal contractable service content, jewelry sales, health promotion equipment, nursing supplies, ships including yachts, computers, software, automobiles Products / services including at least one of vehicles, electrical products, mobile phones, buildings, real estate, security services, Internet connection services, nursing care services, travel services, maintenance services, rent services, etc. To the predetermined databases 22b and 22c of the electronic contract brokerage server 2 sequentially.Product / ServiceIt is registered / updated via the registration unit 21, and a lease contract / credit contract / loan contract and / or a rental contract can be performed by the contract clients 1a to 1n. Therefore, when a user who wants to introduce energy-saving equipment at a low cost tries to make a lease / credit / loan and / or rental contract, a salesperson at the store carries a laptop computer and installs the user who wants to install the device. The user who wants to make a business trip or directly operates the computer at hand, and the network (inter--If a banner or thumbnail icon in which a URL (Uniform Resource Locator) that specifies the address of the homepage on the net 9 is registered in advance with the mouse, the contracted client 1 displays the target homepage specified by this URL. Therefore, the display request page information including the specified URL is sent to the WWW browser 1.0To the electronic contract mediation server 2 via. Then, the electronic contract mediation server 2 processes the display request page information received by the WWW server 20, the contract processing unit 24 and the display information generation unit 26 are activated, and the display request page information received by the parameter analysis unit 24a is analyzed. 3 is generated and transmitted to the contract client 1a via the network 9, and the initialization screen is displayed on the display means 11 of the input / output device 11. (Step S2 in FIG. 2). Next, in the contract client 1a, the mouse is moved on the initialization screen displayed on the display means 11, and an energy saving item selection button (lighting cost button g1, air conditioning cost button g2, fuel cost button g3) is selected. Clicking on at least one of the following shows the monthly usage of each utility / fuel cost (each column for g5, g7, g9, etc.) and the payment amount (each column for g6, g8, g10, etc.) Since the input menu is displayed together with the date / time information g4, for example, data for at least three months is collected and input for power consumption and payment amount for lighting.OutInput from the force device 11 (step S4 in FIG. 2). In addition, it is preferable that the data input period of the energy consumption / payment amount is input for a collection period of 12 months or more. Among the above-mentioned energy saving item selection buttons, the lighting cost button g1 has little seasonal variation, and the amount of payment is relatively large, so that it is easy to increase the energy saving effect. Thereafter, when the input end button g11 is clicked with the mouse, the input energy usage / payment amount data is transmitted from the contract client 1a to the electronic contract mediation server 2 via the network 9 and analyzed by the contract processing unit 24. Is done. Thus, the step (a) of collecting the monthly light and / or fuel usage and the payment cost is completed.
[0008]
  Subsequently, in the electronic contract mediation server 2, the parameter analysis unit 24a and the data search / integration unit 24b of the contract processing unit 24 analyze the energy usage / payment amount data. The total amount C of energy savings that can be realized within the scheduled period when a lease / credit / loan and / or rental contract is made is calculated from the average value data (step S6), and the planned reduction in utility costs / fuel costs The normal single purchase total amount (A + B) of the energy saving device price A and the mounting work price B realizing the amount C is calculated with reference to the energy saving product DB 22a (step S8). As an example, if the monthly energy saving price ct is about 13,000 yen, the planned reduction in utility costs C will be ct * tn = about 936 thousand yen in the lease contract period tn of 72 months, and the expected reduction in utility costs C The energy saving device price A for realizing the above is about 250,000 yen, and the installation work price B is about 100 thousand yen. Thus, when at least one or more candidates for the energy cost planned reduction amount C, the energy saving device price A that realizes the planned energy cost reduction amount C, and its installation work cost B can be calculated, the electronic contract brokerage server 2 makes a contract. The energy saving related amount (A + B + C) menu screen as shown in FIG. 4 is transmitted to the previous client 1a, and the user clicks one of the selection buttons of the energy saving system g31n including a combination of the energy saving devices g31 to g3n with the mouse. Then, the energy saving system to be adopted in this contract is specified (step b and step S9). The screen of FIG. 4 includes a contract type selection button group g20 for specifying which type of lease / credit / loan and / or rental is to be contracted, a contract period designation field g21, and a monthly utility cost / Fuel cost planned reduction display column g22, utility cost / fuel cost total planned reduction display column g23, energy saving device name display column g24, device price display column g25, and installation work price B display column g26 Are displayed, and in the left column, one of the selection buttons g31 to g3n of the energy saving system n in which a plurality of energy saving devices 1 to energy saving devices selectable by the user are combined is displayed.
[0009]
  When the user selects, for example, the selection button g31 of the energy saving apparatus 1 from the selection buttons g31 to g3n and clicks with the mouse, the contract client 1a sends the electronic contract brokerage server 2 with the energy saving apparatus identification / When the selection information is transmitted and the electronic contract mediation server 2 receives the energy saving apparatus specifying / selection information, the contract processing unit 24 then calculates the lease planned total amount / credit planned total amount / from the energy saving related amount (A + B + C). The total loan amount and / or the total rental amount D is calculated (step c and step S10). The planned total contract amount D is equivalent to the planned reduction in utility costs / fuel costs C,plansIf the amount is set to be smaller than the reduction amount C, it is generally preferred by the contracted user. Thus, when the planned total amount D of lease or the like is set by the contract processing unit 24, subsequently, the contract processing unit 24 stores information such as the names and prices of so-called normal sales products other than the energy saving device. The normal product DB 22b and the normal service DB 22c storing the name, price, etc. of the so-called normal sales service other than the energy saving service are accessed respectively, and the products that can be contracted with the planned total amount D such as the above-mentioned lease / Services are appropriately selected, integrated according to the monthly reduction amount, and a selection menu as shown in FIG. 5 is generated and transmitted from the electronic contract brokerage server 2 to the contract client 1a. The selection menu screen of FIG. 5 is provided with a display field j3 of the energy saving device price A, a display field j3 of the monthly energy saving price ct within the contract period, as well as a display field j1 of the energy saving apparatus price A and an installation work price B display field j2. A plurality of normal product / service selection buttons j4 to j9 that can be selected corresponding to the energy saving price ct are provided in a predetermined price range. In the above example, when the monthly energy saving price ct is about 13,000 yen, for example, when the contracted user clicks the selection button j5 by operating the mouse, this selection information is transferred from the contracted client 1a to the electronic contract brokerage. The contract processing unit 24 generates a normal product / service selection / specific list that can be selected in accordance with the monthly payment amount as shown in the menu screen of FIG. To the contract client 1a and displayed on a predetermined display means. The normal product / service selection / specific list screen of FIG. 6 includes a monthly display column k1, a normal product 1 (jewel in this screen) selection / specific column k2, and individual product name selection icons m1. , M2, and m3 are provided, and a selection / specification column k3 for normal product 2 (in this screen, a computer) and individual product name selection icons n1, n2, and n3 are provided. A product column is provided, a normal service 1 (travel service in this screen) selection / specific column k5 and individual product name selection icons p1, p2, and p3 are provided. Security service) selection / specification column k6 and individual product name selection icons q1, q2, q3 are provided, and various available service columns are provided in the same manner.Therefore, from the normal product / service selection / specific list screen as shown in FIG. 6, for example, the contracted user selects the normal service 2 (the security service in this screen) by operating the mouse. When the product name selection icon q2 in the / specific field k6 is clicked (step S12), this selection information is transmitted from the contract client 1a to the electronic contract mediation server 2, and the contract processing unit 24 corresponds to the monthly payment amount. The contract estimate table of the selected / specified normal product / service is generated as shown in the menu screen of FIG. 7 and transmitted to the contract client 1a via the network 9 and displayed on a predetermined display means. In the normal product / service contract estimate table of FIG. 7, the column v1 for displaying the type of contract, the display column v2 for the contract period, the column v3 for displaying the specifications and the price of the energy saving device to be provided, The display column v4 for the installation work price, the column v5 for displaying the energy saving amount ct during the contract period, the column v6 for displaying the name of the normal product / service to be actually contracted, and the column v7 for displaying the contract amount A cash contract amount display column v8 including consumption tax, an application fee display column v9, a contract balance display column v10 (= v8-v9), a contract payment fee display column v11, and a contract total amount display column v12 ( = v10 + v11), contract payment total display field v13 (= v9 + v12), contract period display field v14, contract consent button v20, contract cancel button v21, etc. are provided, and the contracting user operates the mouse. And When the consent button v20 is clicked (step S14), the contract contents are transmitted from the contract client 1a to the electronic contract brokerage server 2 via the network 9, and the electronic contract brokerage server 2 accepts the contract. The contract contents are transmitted to the contract source client 4 such as lease / credit / loan and / or rental via the network 9 (step S16).
[0010]
  Thus, when the contract content agreed by the contracted user is transmitted from the electronic contract mediation server 2 to the contract source client 4 such as lease / credit / loan and / or rental, the contract source client 4 stores the contract content. After confirming with the contracted user (step S18) and completing the process of confirming the contracted user, the product / service providing client 3 collects the contract price in the account of the predetermined settlement processing organization 5a separately registered. (Step S20), and for the contract client 1, a process for deducting the contract amount from the account of the designated settlement processor 5b is executed monthly for a predetermined period ( Step S24). In addition, when the collective transfer processing of the contract price to the above-described product / service providing client 3 is confirmed, the product / service providing client 3 prepares an energy saving device having a contracted specification for the contracted client, and attaches it. Perform the work. At the same time, provision of the contracted normal product / service is also started (step S22). Thus, the lease / credit / loan and / or rental of the present inventionElectronic contract brokerage systemAccording to the contracted users 1a to 1n, the utility / fuel costsplansJust pay the amount of reduction, separately normalSaleA product / service having a contract description amount D for the product / service can be used, and an extremely large profit can be obtained. Further, the product / service providing client 3 can acquire / refer more customers, and the lease / credit / loan and / or rental contractor client 4 is a secure / secure lease contractor / credit contractor / loan. A contractor and / or a rental contractor can be acquired, which is very useful for industrial development.
[0011]
【The invention's effect】
  As described above, the lease / credit / loan and / or rental of the present inventionElectronic contract brokerage systemAccording to SMEs who want to reduce their spending as much as possible, services including purchasing and installing energy-saving equipmentJust pay additional costsIt is also possible to use additional services equivalent to the amount of energy reduction, and to acquire / refer more customers to companies that provide services including energy saving equipment and installation work, and lease / credit It is possible to provide safe / secure, lease contractor / credit contractor / loan contractor and / or rental contractor to the contractor / loan and / or rental contractor, which is very useful for industrial development. It is.
[Brief description of the drawings]
FIG. 1 is an example of a block diagram showing a configuration of an entire electronic contract mediation system according to the present invention.
FIG. 2 is a flowchart showing an example of the operation.
FIG. 3 is an example of an energy saving contract initialization screen according to the present invention.
FIG. 4 is an example of an energy saving item selection screen according to the present invention.
FIG. 5 is an example of the monthly amount selection screen.
FIG. 6 is an example of a normal product / service selection screen according to the present invention.
FIG. 7 is an example of a contract estimate screen according to the present invention.
[Explanation of symbols]
1a, 1b,. . . , 1n Contract client
11 Input / output devices
2 Electronic contract brokerage server
22a, 22b, 22c database
24 Contract Processing Department
3. Product / service provision client
4 Contracting client

Claims (3)

A terminal of a contract client having at least an input / output device and a WWW browser;
A terminal of a contractor client having at least an input / output device and a WWW browser;
A payment processing institution for electronic commerce payments;
To provide products / services, including energy saving device and a mounting service, the terminal of the goods / services provided client having at least input and output devices and products / services / registration / update unit,
The electronic contract brokerage server is connected to each other via a network,
The electronic contract mediation server includes a WWW server, a product / service registration unit, information such as the name and price of the energy saving device, an energy saving product database storing time / price information of the installation service, and the energy saving. Stores information on the name, price, etc. of the so-called normal sales service other than the device, and the name, price, etc. of the so-called normal sales service other than the sales and installation service of the energy saving device. and normal service database, the parameter analysis unit, data retrieval / and contract processing unit having an integrated unit and contract creation unit, generating display information for generating various display information in accordance with the contract estimation request from the terminal of the contractor client And consists of
Between the contractor client and the contract based client, performs lease / credit / loan and / or rental (hereinafter referred to as "leasing".) For the energy-saving device and its mounting services via the electronic contract mediating server At the same time, leases for the usual sales products and / or services that can be contracted within the amount corresponding to the planned reduction in utility costs / fuel costs expected from the operation of the energy-saving device introduced by the lease, etc. An electronic contract brokerage system that mediates contracts
The subscription request from the terminal of the contractor client, the commodity / service registration unit in the electronic contract mediating server, the display information generation unit, the energy-saving product database and the contract processing unit,
Means for collecting monthly light and / or fuel usage for at least three months;
From utility usage and / or the fuel consumption, which is the collection, calculating the reduced total C in the contractual schedule period of said equal utility costs / fuel cost will savings and the lease monthly when using the energy-saving device And means for extracting the energy-saving device price A and the installation service price B from the energy-saving product database ;
Means for setting a planned total amount D such as a lease for the normal sales goods and / or services within a range not exceeding the total reduction C;
Means for extracting and presenting from the normal product database and / or the normal service database storing in advance the normal sales products and / or service contents that can be contracted with the planned total amount D such as the lease;
Equipped with a,
Wherein the contractor client terminal, the desired products / services from the sales of goods and / or services of the presented typically are identified, contract is sent to the terminal of the contract based client,
When the contract content is transmitted from the contract processing unit, the terminal of the contract source client sends the specified normal sales product and / or the specified transaction processing account of the product / service providing client to the account of the predetermined settlement processor. The contract price for the service is transferred in a lump sum including the energy-saving device price A and the installation service price B, and the contract scheduled period from the account of the settlement processor designated by the contract client An electronic contract intermediary system such as a lease, which executes a process of deducting the contract amount for each month for every month. The energy-saving device and its installation service include an inverter driving device for a lighting fixture and its installation work, a micro gas turbine generator and its installation work, an air conditioning unit and its installation work, a current balancer and its installation work, a device for changing contract power 2. A lease according to claim 1, comprising at least one of: a gas flow reduction device and its installation work, a water flow reduction device and its installation work, a vehicle fuel efficiency device and its installation work. Electronic contract brokerage system. The usual sales products and / or service contents include jewelry sales, health promotion equipment, care products, ships including yachts, computers, software, vehicles including cars, electrical products, mobile phones, buildings, real estate, security services, The electronic contract intermediary system such as a lease according to claim 1 or 2 , comprising at least one of an internet connection service, a care service, a travel service, a maintenance service, and a rent .

Images