JP2009129286A - Vehicle sales management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a vehicle sales management system capable of performing vehicle sales management in response to diversification of partial payment contracts. <P>SOLUTION: The vehicle sales management system 10 is provided with: a bid vehicle information acquisition means for acquiring bid vehicle information from an auction management system; a vehicle price estimation means for estimating a vehicle price based on the bid vehicle information acquired by the bid vehicle information acquisition means; a payment amount calculation means 19 for determining a deferred amount and a purchase deposit in acquisition of a predetermined vehicle by a partial payment contract with a spatial contract of purchase deposit based on the vehicle price estimated by the vehicle price estimation means and calculating a payment amount to be paid by the partial payment contract with the special contact of purchase deposit based on the deferred amount and/or the purchase deposit; and a display means for displaying the purchase deposit and the payment amount calculated by the payment amount calculation means. The display means displays a payment amount of each of a plurality of patterns different in payment years of partial payment contracts on a single screen. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a vehicle sales management system, and more particularly to a vehicle sales management system that performs management related to a sales contract that enables a user to use a vehicle only by paying a part of the vehicle sales price.

  Since the price of a vehicle is expensive, it is often purchased with a loan in addition to the method of purchasing directly with cash.

  Conventionally, as a choice when a user obtains a vehicle, in addition to completely purchasing the vehicle, several years in which the user determines only a part of the vehicle price by a contract between the user and the vehicle provider. A business model (hereinafter referred to as “partial payment contract”) is provided in which the user can use the vehicle for several years. In the following description, an amount obtained by subtracting the amount paid by the user over several years from the vehicle price is referred to as a deferred amount.

  In this partial payment contract, it is important to set the amount to be paid by the user during the predetermined number of years, in other words, to set the deferred amount, and it is desirable to set it to an amount commensurate with the value of the vehicle when payment is completed. .

  For this reason, it is necessary for the vehicle provider to be able to predict the value of the vehicle when payment is completed.

  On the other hand, the invention described in Patent Document 1 discloses a method for predicting the future price of a used car based on the price of each vehicle attached in the auction market.

JP 2003-99519 A

  Recently, even in the partial payment contract described above, contract forms have been diversified so as to improve the user-friendliness.

  However, the invention described in Patent Document 1 and other conventional techniques do not assume diversification of partial payment contracts. Therefore, it has been desired to provide a vehicle sales management system capable of managing and managing the partial payment contracts.

  The present invention has been made in view of the above points, and an object thereof is to provide a vehicle sales management system capable of managing vehicle sales in response to diversification of partial payment contracts.

  In order to achieve the above object, the present invention provides a successful vehicle information acquisition means for acquiring successful vehicle information such as vehicle information and successful bid price of a successful vehicle from an auction management system that manages auctions for vehicles in a vehicle sales management system. Vehicle price estimation means for estimating the vehicle price based on the successful bid vehicle information acquired by the successful bid vehicle information acquisition means, and a deferred amount when the predetermined vehicle is acquired by a partial payment contract with a purchase guarantee special contract And the purchase guarantee amount is determined based on the vehicle price estimated by the vehicle price estimating means, and the payment amount to be paid in the partial payment contract with the purchase guarantee special contract is calculated based on the deferred amount and / or the purchase guarantee amount. A payment amount calculating means; and a display means for displaying the purchase guarantee amount and the payment amount calculated by the payment amount calculating means; Wherein the display means for each of the partial payment plurality of patterns payment years different contracts, and displaying the payment on one screen.

  The present invention also provides a successful bid vehicle information acquisition means for acquiring successful bid vehicle information such as vehicle information and a successful bid price of a successful bid vehicle from an auction management system that manages auctions for vehicles, and a successful bid vehicle acquired by the successful bid vehicle information acquisition means. Vehicle price estimation means for estimating the vehicle price based on the information, and based on the vehicle price estimated by the vehicle price estimation means when the predetermined vehicle is acquired by the partial payment contract with purchase guarantee special agreement Subtracting the sale cost and risk amount from the deferred amount to obtain a purchase guarantee amount, and based on the deferred amount and / or the purchase guarantee amount, paying the partial payment contract with the purchase guarantee special contract A payment amount calculating means for calculating, and a display means for displaying the purchase guarantee amount and the payment amount calculated by the payment amount calculating means. The display means for each of the partial payment plurality of patterns payment years different contracts, and displaying the payment on one screen.

  Further, the present invention is the vehicle according to claim 1 or 2, wherein the predetermined vehicle is exhibited in an auction, and the display means displays a bid starting price of the predetermined vehicle at the auction. It is characterized by doing.

  In the invention according to claim 3, the display means encrypts and displays the bid start price so that only a predetermined person can understand.

  In the invention according to claim 1 or 2, the display means displays a market price of the predetermined vehicle.

  In the invention according to claim 5, the display means encrypts and displays the market price so that only a predetermined person can understand.

  ADVANTAGE OF THE INVENTION According to this invention, the vehicle sales management system which can perform vehicle sales management corresponding to the diversification of partial payment contracts can be provided.

  In other words, because the display means displays the payment amount on a single screen for each of the patterns with different payment years for partial payment contracts, each partial payment contract with diversified payment years is compared at a glance. There is an effect that can be done.

  Moreover, since the display means displays the purchase guarantee amount in the partial payment contract with the purchase guarantee special agreement, there is an effect that the contents of the contract can be compared and examined at a glance.

  In addition, if the present invention is used, the partial payment contract and the partial payment contract with the purchase guarantee special contract can be explained to the user in an easy-to-understand manner, and the partial payment contract and the partial payment contract with the purchase guarantee special contract can be easily used. Since a user who has made a loan with a partial payment contract or a partial payment contract with a purchase guarantee special contract will go to the store when it is fully paid, it will be possible to obtain business opportunities for re-signing the contract. In addition, since the value changes depending on the degree of damage to the vehicle when the loan of the partial payment contract with a partial payment contract purchase guarantee special contract is completed, the user has an opportunity to go to the store for inspection, etc. by making efforts not to drop the degree of the vehicle Increase the number of business opportunities.

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

  FIG. 1 is a block diagram showing a hardware configuration of an embodiment of a vehicle sales management system according to the present invention.

  In this embodiment, auction management companies that operate auctions (hereinafter referred to as “auction management companies”) and members who register as members and participate in the auctions (mainly sales of used cars to customers such as individual consumers) (Hereinafter referred to as “Auction Member”) and a finance company (hereinafter referred to as “Finance Company”) that finances the acquisition cost of the auction successful bid vehicle to this auction member. In this case, a vehicle sales management system capable of presenting the use of a partial payment contract to a customer, for example, an individual consumer, who has visited an auction member's store to purchase a used car will be described as an example. In the present embodiment, a service in which a finance company provides a partial payment contract to customers of auction members (in the following explanation, assumed to be individual consumers) is called “gojuppa”.

  As shown in FIG. 1, the vehicle sales management system of the present embodiment connects a server computer 1, a personal computer 2 and a personal computer 3 via a network 4, and connects a server computer 5, a personal computer 7 and a personal computer 8 via a network 9. The server computer 1 and the server computer 5 are connected by a network 6.

  A printer 2 a for printing various documents is connected to the personal computer 2, a printer 3 a for printing various documents is connected to the personal computer 3, a printer 7 a for printing various documents is connected to the personal computer 7, and A printer 8a for printing a document is connected.

  In the present embodiment, the configuration in which the server computer 1, the personal computer 2 and the personal computer 3 are connected via the network 4 is a system providing a gojuppa, and the server computer 5, the personal computer 7 and the personal computer 8 are connected via the network 4. This configuration is a system for providing a used car auction. The server computer 1 and the server computer 5 are connected via a network 6 to communicate with each other and share information.

  An example of information sharing between the server computer 1 and the server computer 5 will be described. For example, vehicle information (vehicle type, vehicle color, year, mileage, interior equipment) of the auction exhibition vehicle registered in the server computer 5 ), Exterior equipment, degree of scratches, remaining period of vehicle inspection, etc.), vehicle information of the successful bid vehicle and its successful bid price, etc. are received by the server computer 1 via the network 6, and the server computer 1 In other words, it is used for services that provide partial payment contracts.

  In FIG. 1, the networks 4, 6, and 9 may be any network, such as a LAN such as Ethernet (registered trademark) or a token ring, and the Internet, and may be wired or wireless, and may be of any communication protocol. Absent. Each device connected to the networks 4, 6, and 9 is set in advance with an address on the network. Each device is identified by this address and communicates with other devices on the network. Note that data exchange between devices is not limited to communication via such a network, and data may be exchanged between devices by storing data in a portable storage medium. It doesn't matter.

  The server computer 1 is installed in, for example, a finance company or a third party that provides a server, and holds and executes a software program (vehicle sales management program) of the vehicle sales management system of the present embodiment. Various databases described later in this embodiment are held.

  The server computer 5 is installed in, for example, an auction management company or a third party that provides a server, and holds a software program (auction management program) of an auction management system that manages auctions for buying and selling used cars. This is executed, and various databases necessary for auction management are maintained.

  The personal computer 2 is operated by the person in charge of the finance company. For example, the personal computer 2 is installed in the finance company, and holds and executes the software program (vehicle acquisition cost management program) of the vehicle sales management system of the present embodiment. To do.

  The personal computer 3 is operated by the person in charge of the auction member. For example, the personal computer 3 is installed in the office of the auction member and holds the software program (vehicle acquisition cost management program) of the vehicle sales management system of the present embodiment. Do this.

  The personal computer 7 is operated by the person in charge of the auction member, and is installed in the office of the auction member, for example, and holds and executes a software program (auction management program) of the auction management system.

  The personal computer 8 is operated by a person in charge of the auction management company. For example, the personal computer 8 is installed in the auction management company and holds and executes a software program (auction management program) of the auction management system.

  The personal computers 2 and 3 communicate with the server computer 1, and an instruction for starting the software program of the vehicle sales management system is input by the operator. Various data relating to the vehicle sales management system is input from the personal computers 2 and 3. Data input may be performed with a keyboard, mouse, etc., a document may be input by reading with a scanner, or an external file stored on a storage medium such as various disks may be imported. It may be.

  The personal computers 7 and 8 communicate with the server computer 5, and an instruction to start the software program of the auction management system is input by the operator. Various data related to the auction management system is input from the personal computers 2 and 3. Data input may be performed with a keyboard, mouse, etc., a document may be input by reading with a scanner, or an external file stored on a storage medium such as various disks may be imported. It may be.

  FIG. 2 is a block diagram showing a functional configuration of the vehicle sales management system shown in FIG.

  In the following, DB is an abbreviation for database.

  As shown in FIG. 2, the vehicle sales management system 10 includes an input / output unit 11, a member information master DB 13, a member information verification unit 14, an exhibition vehicle information DB 15, a successful bid vehicle information master DB 16, a vehicle price information master DB 17, and a vehicle price estimation. A unit 18, a payment amount calculation unit 19, and a form output unit 20 are configured.

  Further, instead of various data input / output by the input / output unit 11, various data input / output by the external file 12 is also possible.

  The input / output unit 11 is, for example, a keyboard, mouse, scanner, or the like for input provided in the personal computer 2 or 3, and a display device (CRT, LCD, or the like) for output.

  According to the vehicle sales management system 10 of the present embodiment, a system for realizing and managing the following business model by a computer is provided.

  Here, an outline of the business model will be described.

  PC 3 and PC 7 are installed at the auction members, ie used car dealers' offices, and when an individual consumer comes to this office to purchase a used car, the auction member's staff operates the PC 7 Then, he participates in an auction, or operates the personal computer 3 to explain gojuppa, that is, a partial payment contract to an individual consumer.

  In the auction management system, the auction management system of the used car can be connected to the server computer 5 using the personal computer 7 to perform vehicle exhibition, browsing of the exhibited vehicle, bidding, successful bid, confirmation of the auction result, and the like. The server computer 5 stores various information related to these auctions, that is, auction information, and the above-described vehicle information related to exhibited vehicles and successful bid vehicles.

  Auction information, vehicle information, and the like stored in the server computer 5 are transmitted to the server computer 1 for information sharing.

  The person in charge of the auction member uses the personal computer 7 to present the vehicles that are exhibited in the auction to the individual consumers who came to the office, and narrows down the acquisition candidate vehicles by the individual consumers. In addition, since the server computer 1 also shares the vehicle information of the auctioned vehicles, it is possible to use the personal computer 3 to present the vehicles that are exhibited at the auction and to narrow down the acquisition candidate vehicles by the individual consumer. It is.

  If the acquisition candidate vehicles are narrowed down, the person in charge of the auction member presents to the individual consumer how much the payment amount of the target vehicle will be. The personal computer 3 is used for this presentation.

  That is, the person in charge of the auction member operates the personal computer 3 to connect to the server computer 1 and present a payment amount for acquiring the target vehicle. Details of the calculation of the payment amount will be described later.

  The individual consumer refers to the presented payment amount, examines which vehicle to acquire, and uses the personal computer 7 to bid for the vehicle in an auction.

  Next, each configuration shown in FIG. 2 will be described.

  The member information master DB 13 is a database that holds information about an auction member as a database when an application to use the gojuppa service among auction members is made. This member information master DB 13 is held in the server computer 1, for example.

  The member information master DB 13 has one record of information about one auction member, and holds information such as “member number”, “member name”, “member address”, “member ID”, “password”, and the like.

  The “member ID” and “password” are used for personal authentication when the auction member uses the gojuppa service.

  The exhibition vehicle information DB 15 has one record of information about one auction exhibition vehicle, and holds the vehicle information of the auction exhibition vehicle acquired from the server computer 5.

  The successful bid vehicle information master DB 16 has one record of information about one vehicle that has been awarded in the auction, and holds the vehicle information of the auction successful bid vehicle acquired from the server computer 5.

  The vehicle price information master DB 17 is estimated by the vehicle price estimator 18 based on the vehicle information and various successful bid prices of various vehicles that have been priced in the past auction held in the successful bid vehicle information master DB 16. The vehicle price is retained.

  The vehicle price estimation unit 18 performs prediction and estimation of the vehicle price by a known method as described in Patent Document 1, for example. That is, if a successful bid vehicle A is awarded at a successful bid price a, vehicle information (information such as vehicle type, vehicle color, year, mileage, interior equipment, exterior equipment, degree of damage, remaining period of vehicle inspection, etc.) The price of another vehicle B with the same level is estimated to be about the same as the successful bid price a, and how the price of each vehicle changes with time using a huge amount of successful bid vehicle information from the past. It is also possible to estimate the price of a future vehicle.

  The payment amount calculation unit 19 calculates the payment amount in the partial payment contract based on the information held in the vehicle price information master DB 17.

  In the present embodiment, a purchase guarantee special agreement can be added to the partial payment contract. A purchase guarantee is a special agreement that guarantees that an auction operator, for example, purchases a vehicle from an individual consumer at a predetermined purchase price when the payment period of a partial payment contract has passed (at the time of payment completion). According to the above, if the vehicle is used in a certain level, the purchase price is guaranteed at the time of payment completion. There is a merit that it is not necessary to bear such a risk. The purchase amount under this purchase guarantee special contract is called the purchase guarantee amount. The payment guarantee amount is also calculated by the payment amount calculation unit 19.

  The form output unit 20 is realized, for example, by executing the software program of the vehicle sales management system 10 on each of the computers 1, 2, and 3. The contents of the database, the estimate, the loan contract, the invoice, etc. Are generated and printed out by the printers 2a and 3a, and displayed and output by the personal computers 2 and 3.

  Next, operation | movement of the vehicle sales management system 10 of this Embodiment is demonstrated, referring drawings.

  FIG. 3 is a diagram showing a flowchart of the operation of the vehicle sales management system 10 shown in FIG. 1 and FIG.

  4, 5, 6, 7, 8, 9, 10, and 11 show the display screen of the personal computer 3 shown in FIG. 1, that is, the operation screen displayed on the input / output unit 11 of FIG. 2. FIG. In the operation screens of FIGS. 4 to 11, the numbers are indicated by circled numbers. However, since these characters cannot be used in the specification, these numbers are indicated by parenthesized numbers in the following description.

  Here, a case where a person in charge of an auction member uses a personal computer 3 to present a vehicle being exhibited in an auction to an individual consumer will be described.

  First, a person in charge of an auction member operates the personal computer 3 to connect to the server computer 1 and inputs member information of the auction member (step (A-1) in FIG. 3). This member information is “member ID”, “password”, and the like.

  In the server computer 1 that has received this, the member information collation unit 14 collates the input member information with the member information registered in the member information master DB 13 (step (A-2) in FIG. 3). ) If it is determined that the member is a registered member, the subsequent processing is permitted.

  Subsequently, the person in charge of the auction member inputs the vehicle type desired by the individual consumer on the operation screen of the personal computer 3, and narrows down the vehicles currently exhibited in the auction.

  FIG. 4 shows a state where “Chrysler” is entered as the vehicle manufacturer name in the column of manufacturer name (1) on the operation screen of the personal computer 3.

  FIG. 5 is a continuation of FIG. 4. After inputting “Grand Voyager” as a vehicle type name in the car name column of (2) on the operation screen of the personal computer 3, the “view vehicle” button of (3) is clicked. Indicates the clicked state.

  Referring to FIG. 5, it can be seen that only one “Grand Voyager” of “Chrysler” is currently exhibited in the auction. When a plurality of items are listed, information about each vehicle is displayed in order vertically.

  In the screen of FIG. 5, the general information of the exhibited vehicle is displayed. If you want to refer to the detailed information of the vehicle, click the “Details” button in the vehicle column to display the vehicle. Is selected (step (A-3) in FIG. 3). FIG. 6 shows a screen displayed after clicking the “Details” button.

  In the screen of FIG. 6, the state of the vehicle can be grasped by a photograph of the vehicle.

  The screen of the personal computer 3 is viewed together by the person in charge of the auction member and the individual consumer, and selects the vehicle according to the desire of the individual consumer.

  In this embodiment, it is the auction member who bids for the auction, and the amount of the successful bid is not notified to the individual consumer. This is because the difference between the successful bid amount at the auction and the sales amount to the individual consumer becomes the profit of the auction member.

  In addition, the operation screen of FIG. 6 is encrypted so that only the auction member is informed so that only the person in charge of the auction member can understand (for example, only the auction member is notified of the display position). In addition, a bid start price (for example, set by an exhibitor at the time of exhibition) of the vehicle and a market price of the vehicle (calculated based on the vehicle price information master DB) are displayed. If these prices are known to individual consumers, the business of the auction member becomes difficult. These prices are displayed somewhere on the operation screen of FIG. 6, and only the auction member is notified in advance of where the prices are displayed.

  The person in charge of the auction member is likely to be able to purchase the individual consumer with reference to the auction start price and the market price of the vehicle displayed on the operation screen of FIG. Present a reasonable price.

  For example, the auction start price of “Grand Voyager” of “Chrysler” in FIG. 6 is 1,600,000 yen, and the market price is 1,950,000 yen. If you want to secure 200,000 yen as your own profit, add your own profit of 200,000 yen to the price that you can make a successful bid from the market (here 2 million yen), and personal consumption of 2.2 million yen Present to the person.

  Subsequently, in order to show the vehicle sales management system 10 how much the payment amount will be when using the service of the gojuppa at this suggested amount, the column “expected vehicle body price” in (4) of the operation screen of FIG. Then, the suggested amount of 2.2 million yen is input, and the “Gojuppa price calculation button” in (5) is clicked (step (A-4) in FIG. 3). The screen after this click is shown in FIG.

  Referring to FIG. 7, the payment amount (gojuppa price) when using the service of gojuppa is displayed below the photograph of the vehicle. The payment amount (1,345,000 yen) when the payment period is 3 years is displayed on the rightmost side of the top line of this display, and the payment period is 4 on the rightmost side of the center line. The payment amount (1,530,000 yen) for the year is displayed, and the payment amount (1,345,000 yen) when the payment period is 5 years is displayed on the far right of the bottom row. Is displayed (step (A-6) in FIG. 3).

  These payment amounts are calculated by the payment amount calculation unit 19 in FIG. 2 (step (A-5) in FIG. 3). This calculation is performed as follows, for example.

  First, the price of the vehicle at the time when the payment years have passed (payment completion time) is obtained based on the vehicle price information master DB, and is set as the payment completion price. If the payment completion point price is less than or equal to the maximum deferred amount determined based on the type of vehicle, the payment completion point price is the deferred amount, and if the payment completion point price is greater than or equal to the maximum deferred amount The maximum deferred amount shall be the deferred amount.

  The amount of payment (gojuppa price) in this example is the amount obtained by subtracting the deferred amount from the amount of purchase (2,200,000 yen) and adding a fee or the like (although it is not necessary to add it).

  When a purchase guarantee special agreement is added to the partial payment contract, the payment amount, that is, the gojuppa price may be as follows.

  First, the price of the vehicle at the time when the payment years have passed (payment completion time) is obtained based on the vehicle price information master DB, and is set as the payment completion price. If the payment completion point price is less than or equal to the maximum deferred amount determined based on the type of vehicle, the payment completion point price is the deferred amount, and if the payment completion point price is greater than or equal to the maximum deferred amount The maximum deferred amount shall be the deferred amount.

  From this deferred amount, selling costs such as selling expenses when buying and selling a vehicle, and sales price fluctuation risk for each vehicle type (current bid rate of that vehicle type, ie, popularity, inspection score calculated from vehicle quality, etc.) If the price is high, the price is estimated to be high, and if the price is low, the price is estimated to be low, and the price is estimated to be low.

  The payment amount (Gojuppa price) in this example is the amount obtained by subtracting the purchase guarantee amount from the amount when purchased (2.2 million yen) and adding a fee or the like (although it is not necessary to add it).

  Risks based on sales price fluctuation risk or sales price fluctuation risk, such as the above-mentioned selling costs and commissions, are stored in the vehicle price information master DB and read out as necessary.

  As another example of adding a purchase guarantee special contract to a partial payment contract, the following may be performed.

  First, the price of the vehicle at the time when the payment years have passed (payment completion time) is obtained based on the vehicle price information master DB, and is set as the payment completion price. If the payment completion point price is less than or equal to the maximum deferred amount determined based on the type of vehicle, the payment completion point price is the deferred amount, and if the payment completion point price is greater than or equal to the maximum deferred amount The maximum deferred amount shall be the deferred amount.

  From this deferred amount, selling costs such as selling expenses when buying and selling a vehicle, and sales price fluctuation risk for each vehicle type (current bid rate of that vehicle type, ie, popularity, inspection score calculated from vehicle quality, etc.) In this case, the risk amount is determined to be low risk if it is high, and high risk if it is low).

  The amount of payment (gojuppa price) in this example is the amount obtained by subtracting the deferred amount from the amount of purchase (2,200,000 yen) and adding a fee or the like (although it is not necessary to add it). That is, in this example, even when a purchase guarantee special agreement is added, the payment amount, that is, the gojuppa price is calculated based on the deferred amount, not based on the purchase guarantee amount.

  Further, as another example of adding a purchase guarantee special contract to a partial payment contract, the following may be performed.

  First, the price of the vehicle at the time when the payment years have passed (payment completion time) is obtained based on the vehicle price information master DB, and is set as the payment completion price. If the payment completion point price is less than or equal to the maximum deferred amount determined based on the type of vehicle, the payment completion point price is the deferred amount, and if the payment completion point price is greater than or equal to the maximum deferred amount The maximum deferred amount shall be the deferred amount.

  From the price at the time of payment completion, selling costs such as selling expenses when buying and selling vehicles, and sales price fluctuation risk for each vehicle type (inspection score calculated from the current successful bid rate or popularity of that vehicle type, vehicle quality) Etc., the risk amount is subtracted from the risk amount based on the above, and the purchase guarantee amount is subtracted.

  The payment amount (Gojuppa price) in this example is the amount obtained by subtracting the purchase guarantee amount from the amount when purchased (2.2 million yen) and adding a fee or the like (although it is not necessary to add it).

  Furthermore, as another example of adding a purchase guarantee special contract to a partial payment contract, the following may be performed.

  First, the price of the vehicle at the time when the payment years have passed (payment completion time) is obtained based on the vehicle price information master DB, and is set as the payment completion price. If the payment completion point price is less than or equal to the maximum deferred amount determined based on the type of vehicle, the payment completion point price is the deferred amount, and if the payment completion point price is greater than or equal to the maximum deferred amount The maximum deferred amount shall be the deferred amount.

  From the price at the time of payment completion, selling costs such as selling expenses when buying and selling vehicles, and sales price fluctuation risk for each vehicle type (inspection score calculated from the current successful bid rate or popularity of that vehicle type, vehicle quality) Etc., the risk amount is subtracted from the risk amount based on the above, and the purchase guarantee amount is subtracted.

  The amount of payment (gojuppa price) in this example is the amount obtained by subtracting the deferred amount from the amount of purchase (2,200,000 yen) and adding a fee or the like (although it is not necessary to add it).

  The sales price fluctuation risk for each vehicle type used for calculating the purchase guarantee amount may be updated as needed when the past contract is completed. For example, the difference between the purchase guarantee amount determined at the conclusion of the contract for which payment has been made and the market price (trade-in price) at the time of execution of the purchase guarantee is determined, and the sales price fluctuates according to the percentage of the difference. The risk may be corrected.

  For example, if the purchase guarantee amount for model Z is 10% higher than the prevailing price (trade-in price) at the time of execution of the purchase guarantee, in the subsequent partial payment contract with a purchase guarantee special contract for model Z, It is suggested that the purchase guarantee amount be uniformly reduced by 10% from the previous purchase guarantee amount and the contract is concluded.

  The purchase guarantee amount may be displayed on the display screen of the personal computer 3 shown in FIG. 1, that is, the operation screen displayed on the input / output unit 11 of FIG.

  The installment payment amount when the gojuppa price is loaned is displayed by clicking the loan calculation button in (6) of FIG.

  FIG. 8 shows a display screen when the 4-year loan calculation button in (6) of FIG. 7 is clicked. Further, FIG. 9 shows a display screen in the case where the user clicks the “Monthly payment calculation button” after inputting each expense other than the vehicle body price on the screen of FIG.

  Referring to FIG. 9, the monthly payment amount when using Gojuppa is 42,248 yen, and the monthly payment amount when making a normal purchase without using Gojuppa is displayed as 52,500 yen. Is done.

  When the “Create customer purchase plan estimate” button is clicked on the display screen of FIG. 9, the screen of FIG. 10 is displayed.

  The breakdown of the loan is displayed on the display screen of FIG. 10. When the “Click here to create a loan form” button is clicked on the display screen of FIG. 10, the screen of FIG. 11 is displayed. If the screen of FIG. 11 is printed, it can be used as it is as loan paper.

  In addition, after the loan of the Gojuppa service is completed, the individual consumer may pay for the deferred amount by paying the deferred amount and fully acquiring the vehicle, or paying the deferred amount with funds obtained by selling the vehicle. May be.

  Further, in the above-described embodiment, the payment period of the gojuppa price is set to 3 years, 4 years or 5 years, but the present invention is not limited to this, for example, on a monthly basis according to the deadline of the vehicle inspection. The deferred amount may be calculated to determine the gojuppa price.

It is a block diagram which shows the hardware constitutions of one Embodiment of the vehicle sales management system by this invention. It is a block diagram which shows the function structure of the vehicle sales management system shown in FIG. It is a figure which shows the flowchart of operation | movement of the vehicle sales management system 10 shown in FIG.1 and FIG.2. It is a figure which shows the operation screen displayed on the display screen of the personal computer 3 shown in FIG. 1, ie, the input-output part 11 of FIG. It is a figure which shows the operation screen displayed on the display screen of the personal computer 3 shown in FIG. 1, ie, the input-output part 11 of FIG. It is a figure which shows the operation screen displayed on the display screen of the personal computer 3 shown in FIG. 1, ie, the input-output part 11 of FIG. It is a figure which shows the operation screen displayed on the display screen of the personal computer 3 shown in FIG. 1, ie, the input-output part 11 of FIG. It is a figure which shows the operation screen displayed on the display screen of the personal computer 3 shown in FIG. 1, ie, the input-output part 11 of FIG. It is a figure which shows the operation screen displayed on the display screen of the personal computer 3 shown in FIG. 1, ie, the input-output part 11 of FIG. It is a figure which shows the operation screen displayed on the display screen of the personal computer 3 shown in FIG. 1, ie, the input-output part 11 of FIG. It is a figure which shows the operation screen displayed on the display screen of the personal computer 3 shown in FIG. 1, ie, the input-output part 11 of FIG.

Explanation of symbols

1, 5 Server computer 2, 3, 7, 8 Personal computer 2a, 3a, 7a, 8a Printer 4, 6, 9 Network 10 Vehicle sales management system 11 Input / output unit 12 External file 13 Member information master DB
14 Member Information Verification Unit 15 Exhibited Vehicle Information Master DB
16 Successful bid vehicle information master DB
17 Vehicle price information master DB
18 Vehicle price estimation part 19 Payment amount calculation part 20 Form output

Claims (8)

Successful bid vehicle information acquisition means for acquiring successful bid vehicle information such as vehicle information and successful bid price of a successful bid vehicle from an auction management system that manages auctions for vehicles;
Vehicle price estimation means for estimating the vehicle price based on the successful bid vehicle information acquired by the successful bid vehicle information acquisition means;
When a predetermined vehicle is acquired through a partial payment contract with a purchase guarantee special agreement, a deferred amount and a purchase guarantee amount are determined based on the vehicle price estimated by the vehicle price estimating means, and the deferred amount and / or the purchase guarantee are determined. A payment amount calculating means for calculating a payment amount to be paid in the partial payment contract with the purchase guarantee special agreement based on the amount;
Display means for displaying the purchase guarantee amount and the payment amount calculated by the payment amount calculation means,
The vehicle sales management system, wherein the display means displays the payment amount on a single screen for each of a plurality of patterns having different payment years of the partial payment contract. Successful bid vehicle information acquisition means for acquiring successful bid vehicle information such as vehicle information and successful bid price of a successful bid vehicle from an auction management system that manages auctions for vehicles;
Vehicle price estimation means for estimating the vehicle price based on the successful bid vehicle information acquired by the successful bid vehicle information acquisition means;
When a predetermined vehicle is acquired by a partial payment contract with a purchase guarantee special agreement, the deferred amount is determined based on the vehicle price estimated by the vehicle price estimating means, and the selling cost and the risk amount are subtracted from the deferred amount. A payment amount calculating means for calculating a payment amount to be paid in the partial payment contract with the purchase guarantee special contract based on the deferred amount and the purchase guarantee amount,
Display means for displaying the purchase guarantee amount and the payment amount calculated by the payment amount calculation means,
The vehicle sales management system, wherein the display means displays the payment amount on a single screen for each of a plurality of patterns having different payment years of the partial payment contract. The predetermined vehicle is a vehicle that is exhibited in an auction;
The vehicle sales management system according to claim 1, wherein the display unit displays a bid starting price of the predetermined vehicle at the auction.   4. The vehicle sales management system according to claim 3, wherein the display means encrypts and displays the bid start price so that only a predetermined person can understand.   The vehicle sales management system according to claim 1, wherein the display unit displays a market price of the predetermined vehicle.   6. The vehicle sales management system according to claim 5, wherein the display means encrypts and displays the market price so that only a predetermined person can understand. In a vehicle sales management program that runs on a computer,
The computer,
A program that functions as a successful bid vehicle information acquisition means for acquiring successful bid vehicle information such as vehicle information and successful bid price of a successful bid vehicle from an auction management system that manages auctions for vehicles;
A program for functioning as vehicle price estimation means for estimating a vehicle price based on successful bid vehicle information acquired by the successful bid vehicle information acquisition means;
When a predetermined vehicle is acquired through a partial payment contract with a purchase guarantee special agreement, a deferred amount and a purchase guarantee amount are determined based on the vehicle price estimated by the vehicle price estimating means, and the deferred amount and / or the purchase guarantee are determined. A program that functions as a payment amount calculation means for calculating a payment amount to be paid in the partial payment contract with the purchase guarantee special agreement based on the amount;
A program that functions as a display means for displaying the purchase guarantee amount and the payment amount calculated by the payment amount calculation means,
The vehicle sales management program, wherein the program functioning as the display means displays the payment amount on a single screen for each of a plurality of patterns having different payment years of the partial payment contract. In a vehicle sales management program that runs on a computer,
The computer,
A program that functions as a successful bid vehicle information acquisition means for acquiring successful bid vehicle information such as vehicle information and successful bid price of a successful bid vehicle from an auction management system that manages auctions for vehicles;
A program for functioning as vehicle price estimation means for estimating a vehicle price based on successful bid vehicle information acquired by the successful bid vehicle information acquisition means;
When a predetermined vehicle is acquired by a partial payment contract with a purchase guarantee special agreement, the deferred amount is determined based on the vehicle price estimated by the vehicle price estimating means, and the selling cost and the risk amount are subtracted from the deferred amount. A program that functions as a payment amount calculating means for calculating a payment amount to be paid in the partial payment contract with a purchase guarantee special contract based on the deferred amount and the purchase guarantee amount,
A program that functions as a display means for displaying the purchase guarantee amount and the payment amount calculated by the payment amount calculation means,
The vehicle sales management program, wherein the program functioning as the display means displays the payment amount on a single screen for each of a plurality of patterns having different payment years of the partial payment contract.

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