JP2001266023A - Method and system for online contract processing - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a computer system which automates processing of a lease contract or the like. SOLUTION: A system 100 is constituted as a communication network, which automates processing of a lease contract or the like concerned with plural persons concerned. A computer 130 installed in a lease company or the like is provided with a means which responds to a request from computers (120 and 130) of a vendor or a user by a lease condition on the basis of data stored in a relevant database and a means which provides the requesting computer with consent to or refusal of an application for the contract together with the final contract condition, in the case of consent or the reason for refusal in the case of refusal, when an application for the contract is received based on the contract condition responded from a second computer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to an online contract processing system and method. More specifically, the present invention mainly has a lease contract in mind and includes, when concluding a lease contract, the creation of a contract between a leasing company, a property supplier (vendor) and a property user (user). The present invention relates to a system and a method that enable various business processes to be performed online in real time via a communication line such as the Internet. However, as described below, the type of contract is not limited to a lease contract.

[0002]

2. Description of the Related Art Leases are widely used today for procurement of computers and copiers. Lease refers to, for example, when a company or the like (referred to as a user) intends to procure a specific device or equipment, purchases it from a distributor (referred to as a vendor, dealer, supplier, or the like) under its own name. Rather, a form of corporate finance in which the leasing company obtains the right to use the equipment and facilities owned by the leasing company purchased from the vendor by entering into a leasing agreement with the leasing company and paying a certain monthly lease fee. It is. This type of lease is sometimes also referred to as a finance lease. Of course, the property to be leased is not limited to computers and copiers. Software is also covered (in this case, the lease company gets the right to use, and the user receives a sublicense of the right to use), and may also cover more expensive aircraft, ships, industrial machines, etc. . In practice, however, this form is often used for information-related devices that have rapid technological innovation and tend to become obsolete earlier than the statutory useful life under tax law for tax law reasons.

[0003] However, the present invention has nothing to do with what the leased object is. Further, the present invention is applicable not only to finance leases but also to operating leases and maintenance leases. Furthermore, although the legal structure is different from the lease contract, it is similar in appearance, and can be applied to installment sales contracts, rental contracts, money consumption loan contracts, outsourcing contracts, etc. that are often handled by leasing companies . In this specification, the description is basically made on the assumption that one party to the contract is a leasing company, but users of the system according to the present invention are not limited to only the leasing company, More generally, it can be said that it is a finance company that finances funds.

[0004] As a specific example, consider a case where a company A (user) is considering the introduction of a copying machine. If Company A enters into a lease agreement with Company C, a leasing company, instead of purchasing a copy machine from Copier B (vendor), Company C will copy the copy that Company A wants to use. A copy machine is purchased from Company B, and the copy machine is rented (leased) to Company A for use. Company A pays a lease fee to Company C over the contract period, and Company C uses the lease fee to collect the purchase price of the copier, interest rates, office fees, and the like. Company B normally delivers the copy machine to Company A from the beginning, rather than delivering it to Company C, which is a leasing company. Focusing on the contract, there is a copy machine sales contract between Company B and Company C, and a lease contract between Company A and Company C. There is no direct contractual relationship between Company A and Company B. When a lease contract is concluded, the leasing company C performs a credit check of the user A, and each party has to perform clerical work including signing a contract. As a general rule, Company A, which is planning to procure a copy machine, negotiates with Company B, a distributor, on the type, quantity, price, delivery date, maintenance conditions, etc. of the copy machine that they want to use. To decide whether to buy or use a lease. When a lease is selected, a lease application is usually made to the lease company C through the company B. In the lease agreement between Company A and Company C,
The terms of the lease, the lease fee, the responsibilities in the event that the property to be leased is defective or the property is lost, and the contract provisions related to the processing in the event that the user has a breach of contract or in the event of a loss of credit, etc. are defined.

[0005] However, the choice of a leasing company by Company A is as follows:
It is determined by current and past business relationships and proposed lease rates. Company B often desires a specific lease company for business reasons, but Company A can select a lease company that is advantageous to itself in consideration of the proposed lease rates and the like. From the perspective of the leasing company, is it possible to offer the most attractive lease payments to the user, taking into account the potential risks associated with entering into the lease with the user? Will be competitive with other leasing companies.

Next, the problems in the conventional paperwork at the time of concluding a lease contract will be examined while explaining the above example in chronological order.

[0007] The person in charge of the vendor B, who has been requested by the user A to procure a copy machine by leasing, uses a fax (handwritten document) or telephone (oral) to the person in charge of the leasing company C for the leased property. Request the conclusion of a lease agreement with Company A after giving the lease terms including the amount. The person in charge of Company C conducts a credit check of Company A on the requested lease using the credit rating of the company and data accumulated in the company by an external credit bureau, and determines whether to conclude a lease contract. Make a conclusion and tell the person in charge of Company B. Such a conventional examination is, of course, performed manually by each person in charge, and is therefore limited to the business hours of the companies B and C. Further, according to handwritten documents and verbal communication, since there are many similar company names, accurate identification of the company name is unexpectedly troublesome, and misrecognition of the property amount is likely to occur.
This review is a procedure that derives approval / disapproval in a predetermined procedure from the past performance and credit data of Company A in the existing database and the lease conditions desired by Company A, which is the basis. Excluding the data itself and the setting of the threshold for determination, it does not require any special know-how, but requires considerable human resources and time.

[0010] Even if Company A fails as a result of the examination, there is a possibility that the examination result may be changed to Pass if the desired lease conditions are changed. However, in the above-described conventional examination procedure, it takes time to change the lease conditions and perform a re-examination. Basically, the same person in Company C has to repeat the same.

[0009] When Company A passes the examination, the sales representative of Vendor B writes by hand the necessary information including the property name, lease conditions and the like in a copy-type lease contract called one-writing. Or, request the person in charge of Company C to create a contract. In either case, the parties need to interact with each other as in the case of the application for examination. The entry in the contract is almost identical to the one used in the application for examination, but is required to be completed again. Misprints can occur.

[0010] In parallel with the conclusion of the lease contract, a sales contract for the object to be leased is concluded between the vendor B and the leasing company C. For this purpose, an order form (also called an order certificate) by Company C and an order confirmation (also called order confirmation) by Company B are usually created and exchanged. A sales contract is concluded based on the purchase order and order confirmation, and a bill for the property is issued from Company B to Company C, and the price is paid based on the bill. When the above procedure is completed, the leased item is delivered from Company B to Company A, and upon acceptance, the lease period starts, and Company A starts using the copier. Then, the lease payment is made based on the lease payment bill from the company C to the company A.

The data relating to the lease contract and the sales contract are input to a host computer in the company C for business management and accounting. Conventionally, this data input has been performed by a sales person in charge of each lease contract filling out a data sheet for input by hand and sending it to the management department. Therefore, the possibility of errors in this operation is not zero. In addition, due to time constraints, sales representatives manually create data for management, so that the management department's checks are insufficient, and sales representatives will be able to record fictitious sales. There was also a situation.

The flow of the work described above is basically the same irrespective of the type and amount of the leased property, so that even if the price of the target property is relatively low and a fixed lease contract is made, A considerable amount of paperwork is required before the contract is effectively concluded and the user starts using the leased property. In addition, even in the case of very expensive properties, the only difference is that the screening procedure becomes more careful, and the outer frame of the lease contract does not change. Therefore, regardless of the type of finance lease, the flow of a series of administrative work is routine, regardless of the type of lease, and more rational processing, including data sharing between different administrative processes, is desired. I was

[0013] However, in the current leasing industry, administrative rationalization is not necessarily promoted. In reality, despite the fact that the interest rate of the property amount is the source of earnings, the same procedure is performed regardless of the amount of money, so it is necessary to set a higher interest rate for small-value properties. In addition, an excellent system called leasing is not always easy to use for users and vendors. For example, using a personal computer or a copier in the form of a lease without purchasing it is not only a company of a certain size but also a so-called SO
Despite considerable tax benefits for small businesses, including individuals working as HOs, they are not very popular because of high interest rates and the lack of convenient access to leasing companies. May be one of the causes.

Turning to contract processing within a leasing company, the presence of irrational affairs, such as hand-written copying of documents, creates a large amount of routine work that requires labor.
A mere data transfer person who does not involve any substantial decision-making can even generate harmful noise, such as erroneous writing, when the simple data is transferred, as described above. It is desirable to change the direction without intervention.

[0015]

SUMMARY OF THE INVENTION Based on the current state of lease contract processing described above, realization of a lease contract processing that is easy to use and user-friendly for users and vendors and promotes rationalization of affairs inside a leasing company has been realized. There is a need for a supporting system. Accordingly, it is an object of the present invention to provide a system and method that improves the inefficient current state of lease contract processing.

[0016]

SUMMARY OF THE INVENTION As mentioned above, the present invention provides a system for automatically processing various contracts, including lease contracts. Generally, according to the present invention,
A system for automating processing of contracts including financial contracts such as lease contracts, installment sales contracts, and rental contracts involving a plurality of parties, wherein a plurality of parties can use a computer as a communication terminal and each computer Are connected as a communication network by a communication line such as the Internet, the first computer among the plurality of computers (for example, a computer installed at a financial company such as a leasing company) has a plurality of computers. Responding to a request from another second computer of the other computers (eg, located at the vendor or user side) to the second computer with terms and conditions based on data stored in an associated database. Means for executing a contract based on the terms and conditions returned from the second computer. Means for providing the second computer with acceptance or rejection of the application in the case of receipt of the request, together with the final terms and conditions agreed upon in the case of acceptance, and the reason for rejection in the case of rejection. A system is provided.

In the system of the present invention, the database
A plurality of types of contract-related formats necessary for concluding a contract having a file format such as PDF which is not affected by a platform difference between the first computer and the second computer are stored. These contract documents include, for example, contracts such as leases, order forms, order confirmations, property bills (between vendors and leasing companies), leases, installments,
For example, a rental fee bill (between a user and a leasing company). At the time of creating these various forms, when the application for the contract from the second computer is approved by the first computer and the contract is established, the input is made at the first and second computers. The contract requirements are automatically posted to the relevant locations in multiple contract-related forms. When the automatic posting of necessary items is completed, a plurality of contract-related forms are output on each computer.

In the system according to the present invention, when the first computer receives an application for a contract from the second computer, a credit check is immediately performed using credit information including data from an external database such as a credit check company. An acceptance or rejection of the application is automatically determined based on whether a result of the credit check reaches a predetermined threshold.

Further, in the system according to the present invention, when data communication is performed in a communication network such as the Internet, it is preferable that measures are taken to prevent unauthorized intrusion by a third party.

[0020]

FIG. 1 is a block diagram showing an outline of a lease contract processing system 100 according to the present invention. The lease contract processing system 100 is composed of subsystems 110, 120, and 130 of users, vendors, and leasing companies, respectively, who are related to the lease contract, and these subsystems are interconnected via a communication network 140. . Communication network 140 is typically the Internet and includes user subsystem 11
0 and the vendor subsystem 120 are computers such as personal computers provided with an environment for connecting to the Internet.
Similarly, the subsystem 130 in the leasing company is a computer such as a personal computer having an Internet connection environment, but also has a function as a terminal to a host computer for business management in the leasing company. The internal processing at the leasing company will be described later.

The system 100 according to the present invention is basically realized as software stored in a storage device of a computer constructed by a leasing company and constituting a subsystem 130 and a server at a WWW site of the leasing company. You. The user accesses the lease company's WWW site from the subsystem 110 using a commercially available browser, fills out various forms provided on the site, and fills out the completed form with the lease company's subsystem 130. Can be sent to
The same is true for the vendor.
An environment setting has been made so that access to the WWW site of the leasing company is possible from 0. A password is required to allow access to specific locations on the leasing company's site to prevent the contents of the lease agreement from being disclosed to third parties when communicating via the Internet It is preferable to take security measures such as Also, to encrypt the data being transferred,
It is preferable to use a browser that supports functions such as SSL. The leasing company preliminarily recruits and registers potential users and vendors who wish to enter into a lease contract using the system 100 according to the present invention. At the time of registration, a password certifying that these users have been granted can be given, and when accessing a specific page of their own WWW site, presentation of the password can be requested. Therefore, both the user system 110 and the vendor system 120 shown in FIG. 1 are not limited to one, and a plurality can be considered.

As shown in FIG. 1, when a lease contract is effectively established using the system according to the present invention, a property to be leased such as a copy machine is delivered from the vendor 120 to the user 110, and The price is paid from the leasing company 130 to the vendor 120 based on the sales contract. The user 110 pays a monthly lease fee specified by the lease contract to the leasing company and uses the copying machine.

Referring now to FIG. FIG. 2 is a flowchart showing a business process when a vendor receiving a request from a user using the system according to the present invention applies for a lease to a leasing company. ADD in this figure
Represents addition, and UPD represents update. Hereinafter, the flow of office work will be sequentially described with reference to FIG. However, in some situations in FIG.
Examples of screens displayed on the personal computer of the subsystem 120 are given in FIG.

As described above, when a vendor receives a request from a user to procure a copy machine by leasing, the vendor WWW of the leasing company is transmitted from its own computer 120 (FIG. 1).
Access the site. When the user wishes to access the lease application page, the user is required to enter the ID number and password of the vendor (step 201). If you have multiple sales representatives at a vendor,
Even if an ID number and a password are assigned to each person in charge, the same ID number and password may be collectively assigned to all the sales persons in the vendor. However, in order to clarify the responsibilities of each person in charge, it is preferable to set an ID number and a password for each person. An example of this input screen is shown in FIG. When the correct password is input, the screen moves to a menu screen (step 202), and when the start of the lease contract procedure is selected, the screen moves to an examination application screen (step 203). An example of the examination application screen is shown in FIG. Here, the person in charge of the vendor inputs his / her own identification information (name and e-mail address) and individual information relating to the user who wants to lease, in blank spaces on the screen. The credit bureau company number is a company code assigned as an identifier by the credit bureau and is widely used for identifying a company. In order to determine this code, it is sufficient to go to the credit bureau's WWW site and perform a search (FIGS. 5 and 6). When the code is obtained, the screen returns to the screen in FIG. 4 again, and the remaining data such as the type of the property, the property amount, and the desired lease period are input (FIG. 7).
In the screens of FIGS. 4 and 7, for example, only two types of lease properties are provided: office machines such as copiers and computers, but other settings are also possible. In addition, the property price is set to, for example, 5 million yen or less. Since the system according to the present invention is for routinely processing relatively low-cost leases, when soliciting registration with this system, the type of leased property and the maximum amount of the property, such as the type of leased property, are subject to processing by this system. It is preferable that the type of lease be described in advance. as a result,
Such a simple display is obtained. When you click the button for calculating lease payments when you have finished entering the conditions,
A monthly lease payment is automatically calculated based on a predetermined lease payment rate with reference to a look-up table in which the lease payment rate is described. Based on this amount, the user can change the lease period. If the leased object is, for example, a copy machine, the lease fee can be reduced by changing the model of the copy machine. In FIG. 2, this state is described as “repeat” at the lower left of step 203. Such interactivity is one of the features of the system according to the present invention. Also, on the examination application screen, a unique reception number is assigned to one application. In the subsequent business processing, this reception number is used consistently as the identifier of the lease case.

Next, the user clicks the send button to receive the examination and transmits the data input to the examination application screen (step 204). Based on the transmitted data, the server of the leasing company determines whether to approve the user's application for the leasing based on the credit rating company's rating and the past transaction data accumulated in the company. to decide. For this determination, a threshold is set in advance as to how much of the conditions used as a basis for the determination should be satisfied to approve the application. More specifically, for example, a threshold is set such that the credit rating of the credit bureau is more than or equal to and the bankruptcy rate is less than or equal to what percentage. If there is no company number provided by the credit bureau, the credit information of the president is used.
In the credit check in the system according to the present invention, a pass / fail is mechanically determined based on a formal judgment in which a positive or negative judgment as to whether or not an objective condition is satisfied is clear. The system according to the present invention for carrying out routine processing of small-value properties does not satisfy some conditions to be satisfied, but it is only specially accepted this time based on past transaction results. They do not have the ability to make substantive decisions.

The result of the credit check is immediately displayed on the display of the user's personal computer (FIG. 8). If not, all input data up to this stage is deleted (step 208). In the case of a pass, it is possible to immediately move to the contract creation stage (step 209) or to the estimate creation stage (step 206) (FIG. 9). The quote creation application screen is shown in FIG. The form for the quotation is created in advance in a fixed file format such as PDF, which can be displayed similarly between computers having different platforms if certain browsing software is installed. Therefore, the vendor can access the sub-system 130 of the leasing company and create the quotation on the basis of the application itself without having to follow the procedure of preparing and sending the quotation by the leasing company (FIG. 1).
0). A formal estimate is output through the confirmation work on the confirmation screen shown in FIG. Note that the monthly lease fee indicated in the quote may slightly fluctuate from the amount indicated on the application screen. This is due to the reason that the lease rate may be preferentially given depending on the credit rating company's rating of the user referred to in the credit check, or vice versa.

An advantage of the system according to the present invention is that, if there is no need to change common items and numerical values through a plurality of screens, data is automatically taken over without having to repeatedly input. Conventionally, efforts have been made to minimize the number of times the same data is input by using a one-writing type format. However, in the system according to the present invention, once input is performed even in the examination stage, the estimate creation stage, and the subsequent stages. The data will be maintained permanently unless it is intentionally deleted or changed. The data once input is commonly used also in the business and accounting management inside the leasing company. Such data sharing is one of the features of the present invention.

At step 209, a contract is created.
As before, it is possible to create interactively by inputting on the creation screen shown in FIG. As described above, it should be noted that items that have already been entered and do not need to be changed do not need to be re-entered because the data is already described. After confirming the contents on the confirmation screen of FIG. 12, a contract satisfying the legal conditions is transmitted through the communication network 140, transmitted to the user subsystem 110 or the vendor subsystem 120, and output (step 210). . The output contract is returned to the vendor or the leasing company after being subjected to a necessary seal or a process based on an authentication system.

The contract is collected (step 213).
Then, the vendor also prepares on-screen documents relating to the sales contract between the vendor and the leasing company. That is,
A purchase order and order confirmation are created (step 214), and the vendor confirms the content and outputs it (step 21).
5). The order confirmation is issued from the vendor to the leasing company by the output action. Figure 1 shows the order creation screen
It is shown in FIG. When the sales contract is concluded and the copier, which is a lease property, is installed at a location designated by the user, an acceptance procedure is performed to confirm that the lease property has been installed (step 217). In the acceptance procedure, for example, a leasing company sends an e-mail or postal mail with the acceptance date described in the property leasing certificate, and the user returns it with no objection. Next, when the acceptance procedure is performed, an invoice for the leased property price to be created by the vendor is automatically created (step 218), and if there is no objection within a certain period between the leasing company and the vendor, a formal claim is made. The leasing company outputs it as a letter (step 219). Usually, the acceptance date is set to the start date of the lease period, and when these procedures are completed, the user starts using the copier procured by the lease as described above.

In the above, a case has been described in which a vendor that sells a leased article fulfills an intermediary function between a user and a leasing company. However, in the system according to the present invention, it is not particularly significant that the vendor performs such input on behalf of the user. As already mentioned, it is important to eliminate intermediate mechanical work as much as possible in order to streamline and streamline office work. The above-mentioned input by the vendor can be performed by the user himself / herself on his / her own personal computer as long as information on the leased property (function and price of each device, delivery date, etc.) can be obtained from the WWW site of the vendor. is there. In particular, in order to spread a small amount of lease more than now, if the user himself accesses the WWW site of the leasing company and enters the above-mentioned input and enters into a lease contract, the lease fee will be reduced even a little. It is conceivable to give an incentive of In the specific input procedure described above, the vendor merely works on behalf of the user. In other words, it merely provides help in procurement of money for selling the copier to the vendor's own user. However, if it is considered that the procurement is the user's own affairs, this is not necessarily performed by the vendor. In reality, it is safer from a viewpoint of transaction security to go through a vendor that has a transaction history than to suddenly apply for a lease contract from a user who is completely unknown to the leasing company. However, from the technical point of view of the present invention, it is preferable that there is no intervention of the vendor in the paperwork.

In the above, the specific procedure of the business processing using the system according to the present invention has been described. The lease contract processing system according to the present invention is constructed by a leasing company and is placed on its own server. Alternatively, it may be borrowed from a portion of the Internet service provider's server. In practice, in order to guarantee security functions above a certain level, it may be advantageous in terms of cost etc. to use housing services etc. of an external specialized hosting company rather than to prepare everything yourself. There is also. However, the location where the system is located has no particular significance for the present invention.

Computer system 3 on the lease company side
FIG. 14 is a very schematic illustration of 00.
In FIG. 14, a central processing unit (CPU) 310, a storage device 320, and an input / output device (I / O) 340 are connected by a bus 330, and the I / O 340 is connected to the Internet 350.
It is connected to the. When receiving an instruction from a vendor or a user via the Internet 350 and the I / O 340, the CPU 310 executes a program stored in the storage device 320, and executes various programs stored in the storage device 320 as necessary. And returns a response to the vendor or the user with reference to the database. The database is updated and kept up-to-date with events that need to be recorded, such as when a new lease agreement is concluded or a particular user's lease payments are delayed. Database updates may not only occur in response to data from vendors and users, but may also be based on data provided by credit bureaus.

[0033]

According to the system of the present invention, the response from the leasing company to the request from the vendor or the user is instantaneous because the operation is completely automated and no human operation is required. Thus, for example, a user can check the possibility of procurement by leasing computers and office equipment if he / she has an Internet connection environment even outside of the business hours of the leasing company. Can be executed up to fastening. Changes in lease agreements,
Cancellation is also possible (if allowed by contract).

If the possibility of a lease contract can be checked online in real time, it is easy to consider the possibility of procurement of relatively inexpensive equipment such as computers and copiers while considering the current and near-term funding situation. it can. It is easy to compare lease terms between leasing companies for leases of the same property. Traditionally, the leasing industry required a large number of people for sales and paperwork.
By using the system according to the present invention, unnecessary human resources can be transferred to other departments, and the efficiency of office work can be improved.

Further, if data input from a vendor or a user is performed on-line by using the system according to the present invention, business processing in a leasing company can be streamlined. That is, it is not necessary to fill in various forms, which have conventionally been performed by hand, and since data can be shared, consistent business management becomes possible. In addition, once necessary items such as a property name and a user name are input, they are automatically transcribed to corresponding locations of various contract documents to be created. For example, a leasing company is a lessor in a lease contract and a buyer in a sales contract, but once entered, it is transcribed to a predetermined location, eliminating the need for multiple entries.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an outline of a lease contract processing system 100 according to the present invention.

FIG. 2 is a flow chart showing a business process when a vendor receiving a request from a user using the system according to the present invention applies for a lease to a leasing company.

FIG. 3 is a screen for prompting input of an ID number and a password.

FIG. 4 is an example of an examination application screen.

FIG. 5 is a search screen on a credit bureau's WWW site.

FIG. 6 is a search result screen on a credit bureau's WWW site.

FIG. 7 is an examination application screen.

FIG. 8 is a screen showing the result of a credit check.

FIG. 9 is a screen for creating an estimate.

FIG. 10 is a confirmation screen for creating an estimate.

FIG. 11 is a screen for creating a contract.

FIG. 12 is a confirmation screen for creating a contract.

FIG. 13 is a screen for creating an order form.

FIG. 14 is a schematic diagram of a system of a leasing company in the system according to the present invention.

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme court ゛ (Reference) G07F 17/40 G06F 15/22 N (72) Inventor Hiroya Fujimoto 3-12 Yotsuya 3-chome, Shinjuku-ku, Tokyo Showa Lee 5B049 AA05 BB11 BB46 BB58 CC05 CC08 CC11 CC36 DD01 EE01 EE05 FF03 FF04 GG04 GG07 5B055 CA05 CB10 CC05 CC11 CC13 EE02 EE03 EE17 EE21 EE27 FA05 FB03 JJ05 PA05 PA21

Claims (11)

[Claims] 1. A system for automating the processing of a contract involving a plurality of parties, wherein each of the plurality of parties communicates with a computer usable as a communication terminal and communication means for interconnecting the computers. A system configured as a network, comprising: means for creating a plurality of different contract documents between the plurality of related parties in real time based on information input from at least one of the plurality of computers. A system characterized by the following. 2. A system for automating the processing of a contract involving a plurality of related parties, wherein each of the plurality of related parties communicates with a computer usable as a communication terminal and communication means for interconnecting the computers. In a system configured as a network, a first computer of the plurality of computers may include data stored in an associated database in response to a request from another second computer of the plurality of computers. Means for responding to the second computer with the contract conditions based on the above, and when receiving an application for a contract based on the answered contract conditions from the second computer, accepting or rejecting the application In the event of a refusal, together with the final terms and conditions agreed, System characterized in that it comprises means for providing to the computer, a. 3. The system according to claim 2, wherein the contract is one of a finance-related contract including a lease contract, an installment sales contract, a rental contract, a money consumption loan and a consignment contract. Is a communication terminal installed in a finance company, and the second computer is a communication terminal installed in a user side or a vendor side. 4. The system according to claim 2, wherein the database is necessary for concluding a contract having a file format that is independent of a platform difference between the first computer and the second computer. A plurality of types of contract-related forms are stored, and the system further includes: if the first computer accepts the contract application from the second computer and the contract is established, Means for automatically posting the necessary items of the contract entered in the first and second computers to the corresponding locations in the plurality of contract-related formats; and the plurality of contract-related formats for which the automatic posting of the required items has been completed. Means for outputting in the first and second computers. 5. The system according to claim 2, wherein when the first computer receives an application for a contract from the second computer, data from an external database is received. Means for immediately performing a credit check using credit information including: and means for automatically determining acceptance or rejection of the application based on whether or not the result of the credit check reaches a predetermined threshold. System. 6. A system according to any one of claims 2 to 5, further comprising means for preventing unauthorized intrusion by a third party when data communication is performed in said communication network. A system characterized by the following. 7. A method for automating the processing of a contract involving a plurality of parties, wherein each of the plurality of parties communicates with a computer usable as a communication terminal and communication means for interconnecting the computers. In a method of automating a contract process using a system configured as a network, a first computer among the plurality of computers includes:
Replying to the second computer contract terms and conditions based on data stored in an associated database in response to a request from another of the plurality of computers; and the first computer. Receives an application for a contract based on the replied contract terms from the second computer, and rejects the acceptance or refusal of the application together with the final terms and conditions agreed in the case of consent. Providing to the second computer with a reason for the rejection in the case of. 8. The method according to claim 7, wherein the contract is one of finance-related contracts including a lease contract, an installment sales contract, a rental contract, a money consumption loan contract, and a consignment contract. The method according to claim 1, wherein the first computer is a communication terminal installed at a finance company, and the second computer is a communication terminal installed at a user side or a vendor side. 9. The method according to claim 7, wherein the database is necessary for concluding a contract having a file format independent of a platform difference between the first computer and the second computer. And a plurality of types of contract-related forms are stored, and the method further comprises: if the first computer accepts the contract application from the second computer and the contract is established, Automatically posting necessary contract information entered in the first and second computers to corresponding locations in the plurality of contract-related formats; and the plurality of contract-related formats for which the automatic posting of the required items has been completed. Outputting at the first and second computers. 10. The method according to claim 7, wherein when the first computer receives an application for a contract from the second computer, data from an external database is received. And immediately determining whether to accept or reject the application based on whether a result of the credit check reaches a predetermined threshold. Method. 11. A method according to any one of claims 7 to 10, further comprising the step of providing a means for preventing unauthorized entry by a third party when data communication is performed in said communication network. A method, further comprising: