JP2010033617A - Method and system for dealing call option - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a mechanism that a lease contractor transfers a right for purchasing a lease object at the set remaining price to a third party. <P>SOLUTION: The contents of a call option at least having information for specifying the lease object, and information by which the set remaining price, a lease end due date are confirmed are acquired to be registered in a database. A sale price of the call option registered in the database is further acquired to be registered by being associated with the call option. Then, the contents of the call option registered in the database and its sale price are presented to a purchasing candidate. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a call option, a put option buying and selling method, a buying and selling system, and a storage medium storing a buying and selling program. The present invention relates to a call option or a put option for a leased object for which a residual value setting lease is set. As for the method of buying and selling as.

Leasing contracts are widely made for properties such as automobiles, office equipment, and communication equipment. This lease contract may be leased for a relatively long period over almost the entire remaining useful life of the leased object or leased for a shorter period than the remaining economic useful life.
In the case of leasing for a period shorter than the economic remaining useful life, since the economic value remains in the leased object at the end of the lease contract, it is often a residual value setting lease.

A residual value-set lease is defined as A when the total ownership price of the property to be leased is A. If the second-hand goods market exists for the item at the end of the lease period and the market price can be established, the lease period ends when the lease contract is concluded. A residual price B (hereinafter referred to as a set residual value B) at the time is set, an amount Y (= A−B) obtained by subtracting the set residual value B from the complete ownership price A is set as a lease target amount, and a lease period T This is a lease method that determines the monthly lease price by calculating the lease rate with the variable as a variable.
Generally, it is applied at the time of lease contracts for products such as automobiles that have an economic remaining useful life of 5 years or more, but that users tend to change every 3 or 2 years. In addition, real estate such as condominiums, detached houses, offices, information equipment such as computers and routers, hardware such as communication equipment, construction machines such as cranes and bulldozers, transportation machines, aircraft, durable consumer goods, etc. The present invention can be widely applied to computer systems including software.
The advantage of this residual value-set lease is that the lease period can be shortened compared to a normal lease contract that concludes a lease contract over almost the entire useful life of the item being leased. Along with this, “the total amount of lease payments can be set cheaply”.

The characteristic of this residual value setting lease is that it gives the user (lease contractor) the right to select whether to return the goods at the end of the lease or to purchase at the initially set residual value. That is, the leasing company sells the right to purchase the leased item with the set residual value B (called a call option) to the user who is the lease contractor as part of the residual value set lease contract. It is synonymous.
In the case of a residual value setting lease that is a form of car loan, for example, the residual value B after the end of the lease period is set at the time of the lease contract, and the lease contractor adds the maintenance cost and taxes to the vehicle price. The amount obtained by subtracting the set residual value B from A is paid to the leasing company as the lease target amount Y. Then, the lease contractor is a lease form that can select at the end of the lease period whether to return the vehicle to the lease company or purchase the vehicle with the initially set residual value B.

If the set residual value B set in this residual value setting lease exceeds the selling price Q when the used car was sold to a third party at the end of the lease, the difference (BQ) and the difference The interest is the loss of the loan company.
Therefore, in reality, in order to avoid the risk, the loan company usually sets the set residual value B considerably lower than the expected vehicle sales price at the end of the lease.
As a result, the risk, that is, the difference between the set residual value B and the sale price Q is converted to the lease contractor, and the vehicle sale price Q often exceeds the set residual value B at the end of the lease. Often chooses to buy without returning the vehicle, i.e., exercises the call option. This is because profits of the difference (Q-B) are obtained by buying a vehicle from a loan company with a set residual value B and selling it to a used car purchaser (property purchaser) (including trade-in when purchasing the next vehicle). It is because it becomes possible to obtain.

However, a lease contractor who does not know that the difference (Q-B) will be generated or a lease contractor who does not have the funds to purchase the set residual value B will abandon the profit that can be originally obtained.
In addition, leases including residual value-set leases include maintenance costs and taxes included in the lease price and are paid on a monthly basis. These costs are also subject to interest rates, so the lease period ends with the specified lease term. Sometimes, when a lease contractor chooses to purchase a vehicle, the total payment amount is often higher than when a normal loan is chosen from the beginning.
From the user's point of view, leasing is the renting of assets, and ideally a fee structure that pays only for what is used, but if the vehicle is not purchased after the end of the period, the current residual value setting is often lost by the user There was a problem that the benefits of leasing were not fully utilized in leasing.
In general, products such as automobiles that have an economic remaining useful life of 5 years or more, but products that users tend to change every 3 or 2 years, and products that have a fast technological advancement such as computer systems, users Often, the leased property that has become obsolete is unavoidably used until the end of the lease term.
In addition, in a normal lease contract, since it takes a lot of time for credit examination and an estimate of the lease price compared with the case of cash purchase, the user often finds the lease contract troublesome.

The present invention has been made to solve such a problem, and a first object thereof is to provide a mechanism in which a lease contractor assigns a right to purchase a leased object with a set residual value to a third party.
In addition, a second object of the present invention is to provide a mechanism in which a leasing company purchases a right (put option) to sell a lease target of a residual value setting lease to a property purchaser at a predetermined amount.

According to the first aspect of the present invention, there is a right to buy a lease target of a residual value setting lease with a set residual value, that is, a method of buying and selling a call option, and at least information for specifying the lease target, a set residual value The first step of acquiring the contents of the call option having information capable of confirming the lease end date and registering it in the database, and acquiring the sale price of the call option registered in the database, By providing a call option buying and selling method comprising a second step of registering correspondingly, and a third step of presenting the contents of the call option registered in the database and the sale price to the purchaser The first object is achieved.
Providing a method for buying and selling such call options will enable the lease contractor's profits by liquidating the difference when the sale price Q in the market for the property at the end of the lease period exceeds the set residual value B. Can be protected.

In the invention according to claim 2, in the method for buying and selling call options according to claim 1, the method further comprises a step 1a for mediating a contract of a residual value setting lease including the call options by communication using a computer, In the first step, the content of the call option is acquired from the content of the residual value setting lease contract mediated in the step 1a.
According to a third aspect of the present invention, in the call option buying and selling method according to the first aspect, at least information for identifying a lease object, a set residual value, and a lease end date are provided to the call option owner. There is a 1b step that prompts the user to input the content of the call option having information that can be confirmed by communication using a computer, and the first step includes the content of the call option that is input in the step 1b. It is characterized by acquiring.
According to a fourth aspect of the present invention, in the call option buying and selling method according to the first, second, or third aspect, for the call option owner registered in the database in the first step. The second step of prompting the user to input a sale price by communication using a computer is characterized in that the second step acquires the sale price input in the second a step.
According to a fifth aspect of the present invention, in the call option buying and selling method according to any one of the first to fourth aspects, the call option registered in the database in the first step. A second b step for predicting an expected sale price when the leased object is sold after the end of the lease period in response to a request from the owner through communication using a computer; an expected sale price expected in step 2b; and And 2c step of presenting at least one of the difference between the expected sale price and the set residual value for the leased object to the owner of the requested call option, the second step Obtains the sale price entered from the call option owner who made the request after step 2c.
According to a sixth aspect of the present invention, in the call option buying and selling method according to any one of the first to fifth aspects of the present invention, the call option is obtained by communication using a computer. In response to a request from an option purchaser, there is a step 3a for extracting the contents of all call options registered in the database and at least a part of the selling price thereof. The contents of the call option extracted in the step 3a and the sale price thereof are presented to the purchase requester who has made the request.
According to a seventh aspect of the present invention, in the call option buying and selling method according to any one of the first to sixth aspects of the invention, the call option trading method according to the present invention is performed by communication using a computer. The call option identified from the purchase request presented in step 3, the desired purchase price for the call option, step 4a, the call option acquired in step 4a and the desired purchase price, Step 4b for storing in the purchase applicant database together with information for specifying the purchase applicant and information stored in the purchase applicant database in step 4a for presenting the information to the owner of the call option 4c And a step.
In the invention according to claim 8, in the method for buying and selling a call option according to any one of claims 1 to 7, the content of the call option and the sale price In response to a communication request using communication from the owner of the call option registered in the database, obtains the changed sale price and changes the registration contents of the database; It is characterized by having.
According to a ninth aspect of the present invention, in the call option buying and selling method according to any one of the first to eighth aspects of the present invention, the lease target of the residual value setting lease Is one of information equipment such as automobiles, computers and routers, hardware such as communication equipment, construction machines such as cranes and bulldozers, transport machines, aircraft, durable consumer goods, and computer systems including software. And
According to a tenth aspect of the present invention, in the call option buying and selling method according to any one of the first to eighth aspects of the present invention, the lease target of the residual value setting lease Is a real estate such as a condominium, a detached house, an office.

  The invention according to claim 11 is a right to buy a lease target of a residual value setting lease with a set residual value, that is, a method of buying and selling a call option, and at least information for specifying the lease target, a set residual value The first step of acquiring the contents of the call option having information capable of confirming the lease end date and registering it in the database, and the call option registered in the database as a target of the auction is registered in the database The first object is achieved by providing a method for buying and selling a call option, comprising the step 3b of presenting the contents of the call option and the sale price thereof to the purchaser.

In the invention according to claim 12, the leasing company sells the lease object of the residual value setting lease to the property purchaser at a predetermined amount, that is, the put option is bought and sold between the lease company and the property purchaser. A method of acquiring a put option from a leasing company by means of communication using a computer from a leasing company and having at least information identifying a leased item, a set residual value, and information capable of confirming a lease end date. A sixth option for registering and a seventh option for presenting the contents of the put option registered in the database to a property purchaser through communication using a computer. The second object is achieved by providing a method.
By providing such a put option buying and selling method, it becomes possible for the leasing company to avoid loss when the market price of the property at the end of the lease term falls below the set residual value.

In the invention described in claim 13, in the method for buying and selling put options described in claim 12, step 8a for assessing a reasonable selling price of the put option for the leased item of the residual value setting lease, 8th step which presents the sales price assessed by 8a step by the request | requirement from the leasing company or the property purchaser by the communication using a computer, It is characterized by the above-mentioned.
In the invention described in claim 14, in the method for buying and selling put options described in claim 12, a residual value setting lease performed using communication using a computer between the leasing company and the property purchaser. And an 8c step for mediating determination of the selling price of the put option for the lease object.
In the invention according to claim 15, in the method for buying and selling put options according to claim 12, an auction in which the property purchaser sequentially lowers the selling price of the put option selling price for the leased item of the residual value setting lease It has 8d step determined by a system, It is characterized by the above-mentioned.
In the invention according to claim 16, the put option buying and selling method according to claim 12, claim 13, claim 14 or claim 15. In the residual value setting lease, leased items include information devices such as automobiles, computers and routers, hardware such as communication devices, construction machines such as cranes and bulldozers, transport machines, aircraft, durable consumer goods, and software. It is one of computer systems.
In the invention according to claim 17, in the call option buying and selling method according to claim 12, claim 13, claim 14 or claim 15, the lease object of the residual value setting lease is a condominium, a house. It is a real estate such as a built house or office.

  In the invention described in claim 18, the right to buy the leased item of the residual value setting lease with the set residual value, that is, a call option trading system for buying and selling the call option, which stores information on the call option And a first registration means for acquiring the contents of the call option including at least information for identifying the lease object, setting residual value, and information for confirming the lease end date, and registering the contents in the database, The second registration means for acquiring the sale price of the call option registered in the database and registering it in the database corresponding to the call option, the contents of the call option registered in the database and the sale price A call option buying and selling system having a first presenting means for presenting to a purchase applicant; To achieve the first object Te.

According to a nineteenth aspect of the present invention, in the call option buying and selling system according to the eighteenth aspect, the first option means for mediating the contract of the residual value setting lease including the call option by communication using a computer is provided. The first registration means acquires the contents of the call option from the contents of the residual value setting lease contract contracted in the first.
In the invention according to claim 20, in the call option buying and selling system according to claim 18, at least information specifying the lease object, a set residual value, and a lease end date are provided to the call option owner. The first prompting means for prompting the user to input the contents of the call option having information that can be confirmed by communication using a computer, and the first registration means are input after prompting the input by the first prompting means The content of the call option is acquired.
According to a twenty-first aspect of the present invention, in the call option buying and selling system according to the eighteenth, nineteenth, or twentyth aspect, the owner of the call option registered in the database by the first registration means is provided. On the other hand, it has a second prompting means for prompting the input of the sale price by communication using a computer, and the second registration means acquires the sale price input after the prompting of the input by the second prompting means. Features.
In the invention according to claim 22, in the call option trading system according to any one of claims 18 to 21, the call option registered in the database by the first registration means. The sales price forecasting means for forecasting the expected sale price when the leased item is sold after the end of the lease period in response to a request from the owner of the computer using the computer, and the expected sale expected by the sale price forecasting means A second presenting means for presenting at least one of a price and a difference between the expected sale price and a set residual value for the leased item to the owner of the call option that made the request; The second registration means obtains the sale price input from the owner of the call option that made the request after the presentation by the second presentation means. It is characterized in.
According to a twenty-third aspect of the present invention, in the call option buying and selling system according to any one of the eighteenth to twenty-second aspects of the present invention, the call option is obtained by communication using a computer. In response to a request from a person who wants to purchase an option, there is an extraction means for extracting at least a part of the contents of all the call options registered in the database and the selling price thereof, and the first presentation means includes The contents of the call option extracted by the extracting means and the sale price thereof are presented to the purchase requester who has made the request.
According to a twenty-fourth aspect of the present invention, in the call option buying and selling system according to any one of the eighteenth to twenty-third aspects of the present invention, the communication is performed using a computer. A call option identified by the purchase request presented by the presenting means, a desired purchase price obtaining means for obtaining a desired purchase price for the call option, a call option obtained by the desired purchase price obtaining means, and Storage means for storing the desired purchase price in the purchase applicant database together with information identifying the purchase applicant, and information stored in the purchase applicant database by this storage means is presented to the owner of the call option And a third presenting means.
According to a twenty-fifth aspect of the present invention, in the call option buying and selling system according to any one of the eighteenth to twenty-fourth claims, the contents of the call option and the sale price Registered content changing means for acquiring the sale price after change in response to a request by communication using communication from the owner of the call option registered in the database and changing the registered content of the database It is characterized by having.
According to a twenty-sixth aspect of the present invention, in the call option trading system according to any one of the eighteenth to twenty-fifth aspects of the present invention, the lease target item of the residual value setting lease Is one of the following: information equipment such as automobiles, computers, routers, hardware such as communication equipment, construction machines such as cranes and bulldozers, transport machines, aircraft, durable consumer goods, and computer systems including software And
According to a twenty-seventh aspect of the present invention, in the call option trading system according to any one of the eighteenth to twenty-fifth aspects of the present invention, a leased item of the residual value setting lease Is a real estate such as a condominium, a detached house, an office.

  The invention according to claim 28 is a system for buying / selling a call target of a residual value setting lease with a set residual value, that is, a system for buying and selling call options, and at least information for specifying the lease target, a set residual value A first registration means for acquiring the contents of a call option having information capable of confirming a lease end date and registering the call option in the database; and the call option registered in the database is registered in the database as a target of an auction. The first option is achieved by providing the call option trading system with the first auction means for presenting the contents of the call option and the sale price to the purchase applicant.

  In the invention described in claim 29, the lease company sells the right to sell the leased item of the residual value setting lease to the property purchaser at a predetermined amount, that is, put option is bought and sold between the lease company and the property purchaser. A system that obtains from the leasing company the contents of put options that contain at least information that identifies the leased item, setting residual value, and information that can be used to confirm the lease end date through communication using a computer. The put option buying and selling system includes third registering means for registering and fourth presenting means for presenting the contents of the put option registered in the database to the property purchaser through communication using a computer. To achieve the second object.

In the invention described in claim 30, in the put option buying and selling system described in claim 29, an appraisal means for assessing an appropriate selling price of the put option for the leased item of the residual value setting lease, and this appraisal means And a fifth presenting means for presenting the sales price assessed in (1) by a request from a leasing company or a property purchaser through communication using a computer.
In the invention described in claim 31, in the put option buying and selling system described in claim 29, a residual value setting lease performed using communication using a computer between the leasing company and the property purchaser. And a second mediating means for mediating the determination of the selling price of the put option for the leased object.
In the invention described in claim 32, in the put option buying and selling system described in claim 29, an auction in which the property purchaser sequentially lowers the selling price of the put option selling price for the leased item of the residual value setting lease. It has the 2nd auction means determined by a system, It is characterized by the above-mentioned.
According to a thirty-third aspect of the present invention, in the put option trading system according to the twenty-ninth, thirty-third, thirty-first, or thirty-second aspect, the leased item of the residual value setting lease is an automobile, a computer, or the like. , Information equipment such as routers, hardware such as communication equipment, construction machines such as cranes and bulldozers, transport machines, aircraft, durable consumer goods, and computer systems including software.
In the invention according to claim 34, in the put option trading system according to claim 29, claim 30, claim 31, or claim 32, the lease object of the residual value setting lease is a condominium, a house. It is a real estate such as a built house or office.

  In the invention according to claim 35, the right to buy the leased item of the residual value setting lease with the set residual value, that is, a function of buying and selling call options, and at least information for specifying the leased item, the set residual value , Acquiring the contents of the call option including information for confirming the lease end date, registering it in the database, acquiring the sale price of the call option registered in the database, The computer implements a second registration function for registering in the database corresponding to the option, and a call option information presentation function for presenting the contents of the call option registered in the database and the sale price to the purchaser. Storing a computer-readable call option transaction processing program To achieve the first object by providing the goods.

  According to the invention of claim 36, the right to buy the lease target of the residual value setting lease with the set residual value, that is, the function of buying and selling the call option, and at least the information specifying the lease target, the set residual value A first registration function for acquiring the contents of a call option having information capable of confirming a lease end date and registering the call option in the database; and the call option registered in the database is registered in the database as a target of an auction. Providing a program product storing a computer-readable call option transaction processing program for realizing on a computer a first auction function for presenting the contents of the call option and the sale price to a purchase applicant. To achieve the first objective.

  In the invention described in claim 37, the lease company has the right to sell the leased item of the residual value setting lease for a predetermined amount of the property purchaser, that is, the function of buying and selling the put option between the lease company and the property purchaser. And, through communication using a computer, the contents of the put option having at least the information for identifying the leased object, the set residual value, and the information for confirming the lease end date are obtained from the leasing company and registered in the database. And a fourth presentation function for presenting the contents of the put option registered in the database to the property purchaser through communication using a computer, and can be read by a computer. By providing a program product that stores a put option trading process program To achieve the second object.

Further, a program for causing a computer to realize each function described in claim 35, each function described in claim 36, or each function described in claim 37, a storage medium storing the program, and a program transmission medium It may be a program carrier wave or a program signal.
The program product refers to various products provided with a program or a program that physically exists, and examples of applicable products include a storage medium that implements the functions according to the program, a server system computer, a network computer, a computer system, Computers and other products.

According to the present invention, it is possible to provide a mechanism in which a lease contractor assigns a right to purchase a lease object with a set residual value to a third party.
In addition, it is possible to provide a mechanism in which a leasing company purchases a right (put option) to sell a leased item of a residual value setting lease to a property purchaser at a predetermined amount.

1 is an overall system configuration diagram of a lease related system according to an embodiment. FIG. It is explanatory drawing of a sales and contract management organization. It is explanatory drawing of a residual value setting machine. It is explanatory drawing of a contract examination organization. It is explanatory drawing of a premium assessment organization. It is explanatory drawing of an option sales organization. It is the flowchart showing the outline | summary of the process from selection of the property in the electronic option transaction system of residual value setting lease to performing disposal. It is a flowchart which shows the flow of the process in a lease contract process. It is a flowchart which shows the flow of a process at the time of registering the call option desired to sell. It is a flowchart which shows the flow of a process when the user who desires to purchase a call option considers the call option put on sale. It is a flowchart which shows the flow of a process when the user who has applied for sale of the call option reviews the sale price. It is a flowchart which shows the flow of a process at the time of registering the put option desired to sell. It is explanatory drawing showing an example of the lease simulation screen. It is explanatory drawing showing another example of the lease simulation screen. It is explanatory drawing which displayed the money amount of the upper limit of call premium CP on the user terminal. It is explanatory drawing of the display screen of the contract contents of a call option and the purchase desired price etc. of the user who wishes to purchase the call option.

Hereinafter, preferred embodiments of a call medium, a put option trading method, a trading system, and a storage medium storing a trading program according to the present invention will be described in detail with reference to FIGS.
(1) Outline of Embodiment In the present embodiment, a lease contractor (user), a lease company, and a property sales company that are provided with a total server system 10 and are connected to the total server system through a network such as a LAN or the Internet and communication. In addition, an electronic transaction market related to lease contracts will be developed among property purchasers and general users.
That is, a mechanism (method and system) for concluding a sales contract or a lease contract (including a residual value setting lease) between the lease contractor, the property sales company, and the lease company is provided via the comprehensive server system. Thereby, the user can conclude a lease contract easily in a short time.
A mechanism will also be provided that allows for the conclusion of lease contracts with call options.
In addition, a market is formed in which call options and put options are converted into electronic securities and sold on the network.
Specifically, the electronic option trading system establishes property sales contracts and lease contracts, and the sales / contract management organization 12 that manages the contracts, and the residual value that assesses the future price of the property and determines the initial residual value Assess the premium of call options and put options established at the time of conclusion of the lease contract with the setting agency 14 and the contract review agency 13 that performs credit checks such as the assessment of the ability to pay the lease price of the user who desires the lease contract An integrated server system 10 comprising a premium assessment organization 15 for the purpose, an option trading organization 16 for trading call options and put options, and a control organization 11 that controls the cooperation between these organizations; A plurality of user terminals 70 and 80 connected to the integrated server system 10 via a network, property sales Company terminal 60, leasing company terminal 50, and the property purchase agent terminal 40 and the overall server system 10 further includes all the functions of each terminal, maintenance, from the total control terminal 30 for providing a function for operational management.
The integrated server system 10 receives various data such as detailed data on purchased properties, lease contract details, user name, gender, date of birth, address, telephone number, occupation, workplace, and annual income by inputting from each terminal. Based on the stored or stored data, we perform residual value assessment, credit survey, lease price assessment, set and display the contract conditions to support decision making for contract conclusion, Provides registration, display, and settlement functions for information on premium assessment and option trading for call options and put options.
According to such a configuration, it is possible to greatly reduce the time required from the examination of a residual option setting lease contract with a call option to the credit review of the user and the conclusion of the contract. It is also possible to easily buy and sell call options and put options.

(2) Details of Embodiment FIG. 1 shows the overall system configuration of a lease-related system according to this embodiment.
As shown in FIG. 1, the leasing-related system includes an integrated server system 10 that functions as one form of a put option trading system and a call option buying and selling system. The general management terminal 30, the property purchaser terminal 40, the lease company terminal 50, the property sales company terminal 60, and the user terminals 70 and 80 are configured to be connectable.

In the present embodiment, the integrated server system 10, the integrated management terminal 30, the property purchaser terminal 40, the lease company terminal 50, the property sales company terminal 60, the user terminal 70, and the user terminal 80 are connected to each other via the Internet, which is the network 20. However, the network 20 is not limited to the Internet, and any network that can transmit and receive data such as a captain system, LAN, and WAN may be used.
This network 20 may or may not include a network or subnetwork smaller than the network 20. Further, the network 20 may be a network in which the integrated server system 10 and each terminal, and each terminal are connected by either wired, wireless (including communication by communication satellite), or both, and a network only by a dedicated line. The network may be either a network using an exchange line including a dedicated line or a network using a public line not including a dedicated line. Further, as long as data can be transmitted and received, it is not always necessary to be connected via a network.

The integrated server system 10 is a core part of various contract processes and the like in the present embodiment, and is composed of computers such as a database server and a WWW server having various databases.
On the other hand, as each of the terminals 30 to 80, a personal computer having browser software that can be connected to the Internet is used. Each of the terminals 30 to 80 may use a game machine, a television set, other home appliances, a PDA (personal digital assistant), a communication-only portable terminal, a cellular phone, or the like that has a computer system and is compatible with the Internet. Good.

In FIG. 1, the property purchaser terminal 40, the leasing company terminal 50, the property sales company terminal 60, the user terminal 70, and the user terminal 80 are displayed as connected to each other. There are cases where terminals are targeted and a plurality of terminals are connected simultaneously.
In the present embodiment, the terminal used by the lease contractor is described as the user terminal 70, and the terminal used by the person who desires to purchase the call option is described as the user terminal 80. However, it is easy to understand the description. In fact, a lease contractor can be a call option purchaser for another property and can be accessed from the same user terminal, and vice versa. Similarly, a leasing company can also access from the same terminal as a property purchaser.

  As shown in FIG. 1, the integrated server system 10 includes a control organization 11, a sales / contract management organization 12, a contract review organization 13, a residual value setting organization 14, a premium assessment organization 15, and an option trading organization 16.

The sales / contract management institution 12 mediates the transaction between the property sales company and the lease contractor (user), and mediates the lease contract between the property sales company that is the leasing company or its agent and the user, thereby completing the contract. The organization that manages the contract details after the contract.
As shown in FIG. 2, the sales / contract management organization 12 includes a display information processing generation unit 120, a sales company DB (database) 121, a property DB 122, a customer DB 123, and a contract information DB 124.

The property sales company DB 121 stores sales company information that is information on property sales companies registered in the present system. The sales company information includes, for example, a sales company code (ID) identifying a property sales company, a password, a company name, an address, a telephone number, an E-MAIL address, location map information, and a lease of a lease company that makes a lease contract for the sold property. Data items such as a company code (ID) are provided.
The sales company DB 121 also stores lease company information, which is information on lease companies registered in this system. The lease company information includes, for example, a lease company code (ID) that identifies a lease company, a password, a company name, an address, a telephone number, an E-MAIL address, location map information, and a property sales company code ( ID) and other data items.
In the present embodiment, the lease company information is stored in the property sales company DB 121. However, an independent lease company DB may be provided and stored.

The property DB 122 stores property information about each property registered by the sales company registered in the sales company DB 121 using the property sales company terminal. The property information includes, for example, a property code that identifies the property, a product name of the property, the number of inventory, a sales company code of the sales company, and the like.
The customer DB 123 stores customer information that is user information registered in the system. The customer information includes data items such as a user code (ID) specifying a user, a user name, a company name, an address, a telephone number, and an E-MAIL address.
The contract information DB 124 stores history information of completed transactions. The history information is, for example, sales contract information, loan information, lease contract information, call option information, and the like.

The residual value setting organization 14 is an organization that sets a residual value that is necessary when setting a lease price for a property or candidate property subject to a lease contract.
As shown in FIG. 3, the residual value setting organization 14 includes a residual value information DB 141, a property DB 142, a depreciation factor DB 143, and a display information processing generation unit 140.
The residual value information DB 141 stores a residual value calculation formula of each property registered in the property DB 142, and evaluates a residual value rate (= residual value ÷ property price at new article) corresponding to each lease period. In addition, the residual value of the property that is not registered in the property DB 142 is read in accordance with the request of the control organization 11 and the depreciation rate by factor such as the partial regression coefficient registered in the depreciation factor DB 143 is read to calculate the residual value. Define the calculation formula and store the result anew.
The property DB 142 stores property information of properties for which a residual value assessment process request has been made in the past from the control organization 11.
The depreciation factor DB 143 is a multivariate analysis such as multiple regression analysis of the relationship between various factors that cause depreciation of a property, such as physical depreciation factors over time, functional depreciation factors, economic depreciation factors, and residual values. Analyze by analysis, etc., and store the depreciation rate (partial regression coefficient) of various depreciation factors for each type of property.

The contract review agency 13 conducts a credit check on the users registered in the customer DB 123 of the sales / contract management agency 12, assesses the ability to pay the lease price, and determines whether the lease contract can be concluded. It is an organization that performs.
As shown in FIG. 4, the contract examination organization 13 includes a credit information DB 131, a contract type DB 132, and a display information processing generation unit 130.
The credit information DB 131 stores transaction information such as the names and attributes of all customers who have received loans from financial institutions and who have concluded lease contracts, debt balances, and whether or not there is collateral.
The contract type DB 132 stores the lease contract type of the property that the user desires to use. Various types of lease contracts are set depending on the loan amount corresponding to the property amount, the lease period, the rate, the payment method, the presence / absence of residual value setting, the range of the set amount, and the like.

The premium assessment organization 15 is an organization for assessing the sale price (referred to as a call premium) when a user desires to sell a call option. Usually, after the upper limit value of the call premium is assessed here, the option trading organization 16 described below conducts the transaction. A leasing company can also assess the purchase price of a put option (referred to as a put premium) at the conclusion of the contract.
As shown in FIG. 5, the premium assessment organization 15 includes a market price DB 151, a call premium DB 152, a put premium DB 153, and a display information processing generation unit 150.
The market price DB 151 stores the market price in the used market after the end of the lease period for each property type.
The call premium DB 152 stores the result of assessing the call premium of the call option owned by the user in response to a request from the user terminal of the user registered in the customer DB 153.
The call premium assessment method is performed by estimating the market price from the market price DB 151 when the leased property is assumed to be sold in the market after the end of the lease period, and subtracting the set residual value from the price.
The put premium DB 152 records a put premium when the lease company purchases a put option from the property purchase company in response to a request from the lease company terminal 50. In addition, in response to a request from the leasing company terminal 50, the risk rate calculated based on the probability that the value of the call premium becomes a negative value as a standard and the average value of the ratio of the negative value to the set residual value are obtained. It also has a function to assess and display the amount of put premium.

The option trading organization 16 is an organization for disclosing the information to other users who want to purchase the call option when the registered user who owns the call option wants to sell the call option. In addition, it is an organization for negotiating prices between users who wish to buy and sell, to establish a transaction and to settle the price.
In addition, it is an organization for leasing companies that wish to purchase put options to disclose information on the put options to the purchaser. In addition, it is an organization that negotiates prices between companies that wish to buy and sell, establishes transactions, and settles payments. In addition, it is also possible to make payment between the parties.
The option sales organization 16 includes an option DB 161, a property purchaser DB 162, a customer DB 163, and an option contract DB 164.
The option DB 161 stores call option information desired to be sold among users registered in the customer DB 163, and put option information desired to be purchased from a purchaser among the properties subject to the call option. .
The property purchaser DB 162 stores purchaser information that is information on property purchasers registered in the system. The purchaser information includes data items such as, for example, a purchaser code specifying a purchaser, a company name, an address, a telephone number, and an E-MAIL address.
The customer DB 163 stores customer information of a user who wants to purchase a call option registered in this system. The customer information includes data items such as a user code specifying a user, a user name, a company name, an address, a telephone number, and an E-MAIL address.
The option contract DB 164 stores contract information of call options for which a sales contract has been established among the call options stored in the option DB 161. Further, the contract information of the put option for which the sales contract is established among the put options stored in the option DB 161 is stored.

  The property sales company terminal 60 is a terminal used by a sales company to register property data to be sold in the sales / contract management organization 12, and includes an input unit, a display unit, a storage unit, a communication control unit, and the like. Stores a communication program for connecting to the comprehensive server system 10, an operation program for performing property registration processing, a terminal ID for identifying the terminal, and the like.

  The user terminals 70 and 80 are terminals for contractors who wish to lease properties and those who want to buy and sell call options, and have an input unit, a display unit, a storage unit, a communication control unit, etc. Stores a communication program for connecting to the integrated server system 10, an operation program for performing property contract processing, a terminal ID for identifying the terminal, and the like.

  The leasing company terminal 50 is a terminal for the leasing company to manage the leased property data, and to perform credit check and contract procedures for the contracting user, and has an input unit, a display unit, a storage unit, a communication control unit, etc. The storage unit stores a communication program for connecting to the general server system 10, an operation program for performing property contract processing, a terminal ID for specifying the terminal, and the like.

  The property purchaser terminal 40 is a terminal for the property purchaser to sell put options, and has an input unit, a display unit, a storage unit, a communication control unit, etc., and the storage unit is connected to the general server system 10. A communication program for performing the operation, an operation program for performing the contract processing of the put option, a terminal ID for specifying the terminal, and the like are stored.

The integrated management terminal 30 has an operation / management function of the integrated server system 10, and is connected to the integrated server system 10 via a network. A plurality of user terminals 70, 80, a property sales company terminal 60, a lease company terminal 50, a property This is a terminal having all the functions of the purchaser terminal 40.
The general management terminal 30 is a terminal for managing the entire system from a remote location. It has an input unit, a display unit, a storage unit, a communication control unit, etc., and the storage unit specifies a communication program for connecting to the integrated server system 10, an operation program for operating and managing the system, and the terminal The terminal ID and the like are stored.

Next, the operation in the lease related system of the present embodiment configured as described above will be described.
(A) User Registration Processing In this system, only users registered in the system, that is, leasing companies, property sales companies, users, and property purchasers can use the system in order to ensure the safety of transactions.
First, a registration process for a person who desires to use to register in the present system will be described.
For example, the property sales company accesses the integrated server system 10 from the property sales company terminal 60 via the network 20 and requests user registration. Then, since the site screen for user registration is transmitted from the comprehensive server system 10, it is received and displayed on the property sales company terminal 60. Then, registration data such as company name, address, telephone number, E-MAIL address, location map information, password, etc., which are items that are prompted to be entered on this site screen, are entered and sent to the general server. Request user registration to the system 10.
Upon receiving the user registration request, the sales / contract management organization 12 of the integrated server system 10 stores the transmitted registration data in the sales company DB 121. At this time, the sales / contract management organization 12 generates a property sales company code (ID) for specifying the user and stores it in the sales company DB 121 together with the registration data. The sales / contract management organization 12 transmits a registration completion signal to the property sales company terminal 60 after the update processing of the sales company DB 121. The property sales company ID is transmitted to the property sales company terminal 60 before the registration completion signal is transmitted or when the registration site screen is transmitted. The property sales company ID and the password entered thereafter are transmitted to the property sales company terminal 60. And identify and prove self.
Upon receiving the registration completion signal, the property sales company terminal 60 that has transmitted the registration request displays a message indicating that the registration has been completed on the screen, and notifies the property sales company of that message.
As a result, registered property sales companies can use this system.

By performing the same processing with the integrated server system 10, a user who desires a lease contract is stored in the customer DB 123 of the sales / contract management organization 12, and a user who desires the purchase of the call option is a customer of the option sales organization 16. In the DB 163, the leasing company that desires a lease contract registers the user in the sales company DB 121 of the sales / contract organization 12, and the property purchaser that wants to sell the put option registers the user in the property purchaser DB 162 of the option sales organization 16.
In this case as well, IDs and passwords corresponding to the respective users, leasing companies, and property purchasing companies are registered, and thereafter, the self is identified and proved by the property selling company ID and the entered password.
However, it is also possible to permit viewing of property information and call option for sale while maintaining anonymity without registering at the user's examination stage.

(B) Property Registration Processing Next, property registration processing for a property sales company to register properties with the sales / contract management organization 12 using a terminal will be described.
First, the property sales company accesses the general server system 10 from the property sales company terminal 60 via the network 20 and requests transmission of a property registration site screen. Then, a property registration site screen (property registration screen) is transmitted from the comprehensive server system 10, and is received and displayed on the property sales company terminal 60. And the information (property registration data) such as the seller's user ID, password, product name, price, inventory quantity, etc., which is the item prompted to be entered on the displayed property registration screen After inputting all, the transmission processing is performed, and the property registration request is transmitted to the sales / contract management organization 12 via the network.
Upon receiving the property registration data together with the property registration request, the sales / contract management organization 12 registers the received property registration data in the property DB 122. At the time of registration, the sales / contract management organization 12 generates a property code of the property to be registered and stores it in the property DB 122 together with the property registration data.
After the property DB 122 is updated, the sales / contract management organization 12 transmits a registration completion signal to the property sales company terminal 60 that is the transmission source of the property registration request. When the property sales company terminal 60 receives the registration completion signal, the property sales company terminal 60 displays a message to the effect that the property registration has been completed, and notifies the property sales company of the message. As a result, the property sales company can register the product to be sold in the sales / contract management organization 12.

(C) Residual Value Setting Lease Processing Next, in the electronic option trading system for residual value setting leases, each processing from the actual property selection to the disposal of the property after the end of the lease period will be explained using the case of an automobile as an example. To do.
FIG. 7 is a flowchart showing an outline of processing from selection of a property to disposal in the electronic option trading system for residual value setting lease.
A lease contractor who wishes to purchase a property and set a residual value lease accesses the general server system 10 from the user terminal 70, determines a property that can be purchased, and performs a lease contract process with a leasing company ( Step 701).
When the contract for residual value setting lease is established, the leasing company sets a put option with the property sales company (step 702).

Next, at a predetermined time before the lease contract is terminated, the lease contractor determines whether or not to sell the call option for the property subject to the residual value setting (step 703).
If the lease contractor does not sell his / her call option (step 703; N), the lease contractor further determines whether or not to exercise the right to the call option within a predetermined period before and after the lease contract ends (step 704). ).
When exercising the right of the call option (step 704; Y), the lease contractor (current user) pays the set residual value B set in the residual value set lease to the lease company that is one of the contracting parties, and (Lease target) is purchased (step 705), and the process ends.
The period during which the call option right can be exercised is a predetermined period before and after the lease contract ends, and in this embodiment is one month, but this period can be arbitrarily set as the residual value setting contract content. You may do it.

  On the other hand, when it is determined in step 703 that the call option is to be sold (step 703; Y), the current user (lease contractor) receives a premium (sales amount) from the call option purchaser (new user) (step 703). 706). As a result, the right to purchase the lease target of the residual value setting lease with the set residual value B, that is, the call option, is owned by the new user.

Then, the call option purchaser determines whether or not to exercise the rights of the purchased call option within a predetermined period before and after the lease contract ends (step 707).
When exercising the right of the call option (step 707; Y), the purchaser (new user) pays the set residual value B set in the residual value setting lease to the leasing company that is one of the contracting parties, (Lease target) is purchased (step 708), and the process ends.

On the other hand, when the lease contractor does not exercise the right of the call option (step 704; N), or when the call option purchaser does not exercise the right of the call option (step 707; N), that is, the call option. Is abandoned, the leasing company collects the leased item from the lease contractor (step 709).
Then, the leasing company determines whether or not to exercise the put option purchased in step 702. If the lease option is exercised (step 710; Y), the property purchaser who sold the put option sets the leased property. Purchase from the leasing company at the price B (step 711), and the process ends.
If the put option is not exercised (step 710; N), the leasing company disposes of the leased property at the market price (step 712) and ends.

Next, the flow until the user enters a lease contract and obtains a call option (step 710) will be described by taking the case where the leased object is a vehicle as an example.
FIG. 8 is a flowchart showing the flow of processing in the lease contract processing (step 710).
First, when a user who wants a lease contract (lease contractor) wants to select a leased vehicle, the user terminal 70 connects to the sales / contract management organization 12 of the integrated server system 10 via the network 20, and arbitrarily The search conditions (at least one of vehicle type, body color, remaining vehicle inspection period, etc.) are input to display the desired vehicle on the user terminal. Then, the user selects a desired vehicle and determines the complete ownership price A of the property (step 801).

After selecting the desired vehicle, the user performs a lease simulation for supporting the decision-making on the contract for the selected property (steps 802 to 807). That is, the process starts when the user selects the desired vehicle and then presses the lease simulation button (step 802).
In response to pressing of the user lease simulation button, the sales / contract management institution 12 generates a lease simulation screen by the display information processing generation unit 120 and causes the user terminal 70 to display the lease simulation screen.

FIG. 13 shows an example of a lease simulation screen. However, FIG. 13 shows a state in which predetermined information is displayed in each input field.
As shown in FIG. 13, in the lease simulation screen, in addition to detailed information such as the manufacturer, model, color, equipment, vehicle price, various expenses, etc. of the vehicle selected by the user, a desired lease period input field, monthly running schedule A distance input field is provided.
The user presses the automatic residual value setting button after entering the desired lease period, monthly travel distance, etc. (step 804). Then, in response to this, the residual value setting organization 14 searches whether or not the data of the vehicle is stored in the property DB 142, and if it is registered, the residual value calculation formula of the vehicle is calculated from the residual value information DB 141. The read display information processing generation unit 140 calculates the set residual value B of the vehicle and leases the user terminal 70 including the set residual value B, lease period, maintenance inspection cost, insurance premium, etc. together with various vehicle detailed information. The target amount Y is displayed. (State of FIG. 13)

  If the vehicle data is not stored in the property DB 122, the set residual value B of the vehicle is calculated according to the request of the control engine 11, and the depreciation rate by factor such as the partial regression coefficient registered in the depreciation factor DB 143 is obtained. By reading and performing calculation processing, a residual value calculation formula is defined, the result is newly stored in the residual value information DB 141, and the display information processing generation unit 140 calculates the residual value of the vehicle and stores various values in the user terminal 70. Together with the vehicle detailed information, the set residual value B, the lease period, and the lease target amount Y including the maintenance inspection cost and the insurance premium are displayed. Further, the vehicle information is stored in the property DB 142.

The display screen of the user terminal 70 by the above processing can be provided with a lease fee rate selection screen. Actually, the lease rate is set as a result of the credit screening based on the user's credit information. However, in the simulation stage, the user can also select the rate estimated from the attribute, annual income, and the like. The following explanation is based on the assumption that the user selects the rate.
At this stage, on the display screen of the user terminal 70, the lease target amount Y, the lease period T, the set remaining value B, vehicle information, and the like are displayed, and a rate R selection column is further displayed.
The user selects a rate that is expected to be applied to the user from a plurality of rates, and presses a “display lease amount” button.
Then, the control engine 11 of the integrated server system 10 receives the lease target amount Y, lease period T, set residual value B, rate R, vehicle information, etc., calculates the lease amount, and sends it to the user terminal 70. Displayed (FIG. 14).

The user confirms this amount on his / her terminal screen and makes a decision as to whether or not to apply for a contract (step 808).
If no contract application is made at this stage (step 808; N) and another property is considered (step 809; Y), the process proceeds to step 801 and returns to the initial desired vehicle selection screen.
If no contract application is made (step 808; N) and no other property is examined (step 809; N), the contract is not established (step 810), and the process ends.
When making a contract application (step 808; Y), the user presses a contract application button.
In response to this, the contract reviewing body 13 responds to the above-mentioned lease target amount Y, lease period T, set residual value B, rate R, vehicle information, etc., as well as user personal information (for example, name, gender, date of birth). , An address, a telephone number, an occupation, a place of work, an annual income, the presence of a house, etc.) are displayed on the user terminal 70.
After the user inputs all items in these input fields (step 811) and presses the “lease contract review” button, the process proceeds to the lease contract review (step 812).

In response to the user pressing the “Lease Contract Review” button, the contract review agency 13 refers to the credit information DB 131 and the contract type DB 132 to perform credit review, and the display processing generation unit 130 sends the result to the user terminal 70. Display.
When the examination is unsuccessful (step 813; N), the fact is displayed on the user terminal 70, and then the process proceeds to step 809.
On the other hand, if the credit examination is successful (step 813), the lease fee rate is determined based on the personal information such as the user attributes entered in step 811, the lease amount is calculated, and the rights of the call option are determined. These results are displayed on the user terminal 70 (step 814).
The user makes a decision for concluding a contract by looking at these display results (step 815). If no contract is made (step 815; N), the process proceeds to step 809.
When the contract is established by the contract action (step 815; Y), the leasing company sets a call option (step 816), and the leasing company or the sales company that is the agent of the leasing company uses the contract number, The contract vehicle information, contract content information, and contract user ID are registered in the contract information DB 124 of the sales / contract management organization 12.
In addition, the leasing company can set a put option with the purchaser of the vehicle, or can not set it.

Next, each processing on the system for buying and selling call options will be described.
First, a user who wants to sell a call option registers the call option in the option DB 161 of the option trading organization 16.
FIG. 9 is a flowchart showing a processing flow when registering a call option desired to be sold.
First, the user who owns the call option connects to the integrated server system 10 from the user terminal 70 via the network 20 and displays the sale application screen. Therefore, the contract user ID and password are input (step 901).
Then, the detailed information and the set residual value of the vehicle contracted based on the contract user ID are extracted and transmitted by the sales / contract management organization 12 and displayed on the user terminal 70.

The lease contractor confirms the detailed information of the contract displayed on the user terminal 70 on the screen, and presses a “CP assessment start” button to assess the upper limit value of the call premium CP. Then, the contract information is transmitted to the premium assessment agency 15, and assessment of the CP of the call option is started (step 903).
First, the display information processing generation unit 150 of the premium assessment organization 15 acquires the current expected sale price M of the contracted vehicle from the market price DB 151 (step 904). Then, the upper limit value (= MB) of the call premium CP is calculated by subtracting the set residual value B from the expected sale price M, and as shown in FIG. Is displayed (step 905).
When the user confirms the upper limit value of the call premium CP on the screen, and then inputs his / her desired sale price CP and presses the sale desired button, the contract number and CP value are stored in the call premium DB 152 of the premium assessment organization 15 Then, the contract number, the contents of the call option, and the desired sale price are stored in the option DB 161 of the option trading organization 16.

Next, the processing performed by the system when a user who wishes to purchase a call option considers purchase will be described.
FIG. 10 is a flowchart showing a processing flow when a user who desires to purchase a call option examines a call option for sale.
First, a call option purchase applicant connects from the user terminal 80 to the integrated server system 10 via the network 20 and displays a purchase review screen. Then, the purchase applicant inputs search conditions for a vehicle desired to purchase and presses a search button (step 1001).
Then, search processing is started in the option DB 161 in the option trading organization 16 (step 1002), and then a list of call options corresponding to the search condition is created and transmitted, whereby the user terminal 80 of the purchase applicant (Step 1003).

The purchase applicant selects a vehicle to be considered for purchase from among the call options in the list displayed on the user terminal 80, and presses a detail display button (step 1004).
Then, in addition to the upper limit of the call premium CP for the call option, the details of the call option such as the set residual value B and vehicle details, the call option owner's desired sale price, and the purchase of other purchase applicants The desired price is displayed.
The buyer wishes to confirm these detailed information, and if he / she wishes to purchase at the current desired sale price (step 1005; Y), he / she presses the purchase request button to display the purchase application screen, and displays his / her name and address. Then, personal information such as a telephone number is input, a purchase applicant is registered in the customer DB 163 (step 1006), and a wait-for-sale notification is received from the option trading organization 16, and a contract conclusion procedure is performed after receiving the notification. (Step 1007).

  On the other hand, if you do not wish to purchase at the current selling price (step 1005; N) and want to negotiate the price (step 1008; N, step 1009; N), press the price negotiation button (1010), the price negotiation screen In addition to personal information such as name, address, and telephone number, the desired purchase price is entered (step 1011), and the purchaser is registered in the customer DB 163 (step 1012). It waits for the reception of the sale request notification (step 1013).

Next, the processing performed by the system when a user who has applied for sale of a call option reviews the sale price will be described.
FIG. 11 is a flowchart showing the flow of processing when a user who has applied for sale of a call option reviews the sale price.
First, the user terminal 70 is connected to the integrated server system 10 via the network 20 to display the sale application screen, and the contract user ID and password are input.
Then, as illustrated in FIG. 16, the contract contents of the call option that has already been registered for sale by the above processing, the purchase price of the user who wants to purchase the call option, and the like are displayed (step). 1101), it becomes possible to grasp the demand trend for the call option.
If the user wishing to sell is presently offering a desired purchase price that is lower than the desired sale price set by himself / herself, the difference is considered and the sale is canceled (step 1102) or the desired sale price is lowered (step 1102). 1103; Y), or wait for a buyer to remain for a while at the current desired selling price (step 1103; N).
When it is determined that the displayed desired purchase price can be sold at that price (step 1103; Y, step 1104; Y), the desired purchase information is selected and the sale decision button is pressed (step 1106). ).
Then, a sale confirmation screen is displayed. After confirming this, when the user presses the sale button, information such as the contract user ID, the contents of the call option, and the sale price is transmitted to the option contract DB 164 of the option trading organization 16. (Step 1107) and stored. Thereafter, the purchase applicant is notified and the contract conclusion procedure is performed (step 1108).

  On the other hand, when it is not desired to sell at the presently desired purchase price but the initial desired sale price is to be lowered (step 1105), the user sets a new desired sale price on the screen illustrated in FIG. Enter and press the re-register button. Then, the changed desired sales price is transmitted to the option DB, the data is updated to the new desired sales price, and the information is stored (step 1105).

Next, each process on the system for buying and selling put options will be described.
First, a leasing company wishing to sell a put option registers the call option in the option DB 164 of the option trading organization 16.
FIG. 12 is a flowchart showing the flow of processing when registering a put option desired to be sold.
First, the leasing company terminal 50 is connected to the integrated server system 10 to display a put / option purchase application screen. Therefore, the user ID and password are input (step 1201). Then, a list of contracts concluded with general users is displayed on the lease company terminal 50.
The leasing company selects a contract number for setting and purchasing a put option from the leasing company terminal 50 (step 1202), and presses a “put option setting button”. Then, first, the details of the contract such as the detailed information of the vehicle and the lease price, the lease period, the set residual value, and the contents of the call option are displayed.

On this screen, it is possible to set a purchase price (put premium = PP) of an optional put option, or to automatically assess the amount by pressing the “put premium assessment button”.
When the “put premium assessment button” is pressed (step 1203), the terminal 50 transmits the contract information to the put premium DB 153 of the premium assessment organization 15.
The put premium DB 153 stores the results of statistical processing of all past data in the call premium DB 152. Therefore, for each type of contracted vehicle, the risk rate assessed based on the probability that the call premium value in the data stored in the call premium DB 152 in the past has become a negative value and the set residual value of the negative value. The put premium assessment rate Rp obtained from the average value of the ratio to the value is stored.
The put premium assessment rate Rp for each contracted vehicle type is acquired (step 1204), and the put premium PP (= B × Rp) is assessed by multiplying the set residual value B of the contracted vehicle requested for processing.
The premium assessment organization 15 transmits the put premium amount assessed in this way to the leasing company terminal 50 and displays it on the screen together with the contract information (step 1205).

When the system user of the leasing company confirms this amount and presses the put premium purchase registration button, the contract number and the value PP of the put premium are registered in the put premium DB 153 (step 1206). The desired purchase price of the put premium is registered in the option DB 161 (step 1207).
The flow of the put option trading process is the same as that for the call option.

  As explained above, by enabling the buying and selling of call options and incorporating this system in the lease contract, the leasing company can provide more attractive leasing products, and the mechanism of leasing that buys and sells usage rights Can spread more than ever.

In addition, the following effects can be obtained by enabling the buying and selling of call options.
In other words, the leasing company is obliged to sell the item at the set residual value by selling the call option, but if the person who bought the call option waives the right, the item to be leased is at hand. Will remain. At that time, leasing companies typically sell in the market to recover the capital invested in the leased property. However, for example, if the set residual value exceeds the market price at the end of the lease, the leasing company will lose the difference.
Therefore, in order to avoid such risks, at the same time as selling the call option to the user at the time of the lease contract, for example, an amount arbitrarily set for the purchaser of the leased property (referred to as a put premium) All you need to do is buy the right to pay and sell at the set residual value (put option).
In other words, the leasing company (ie, the buyer of the put option) has the option to sell or not sell the property at the set residual value by paying the put premium. In that case, the purchaser is obliged to buy at the set residual value instead of receiving the put premium, and at the same time risks buying the property at a higher price than the market price. .
Usually, a purchaser of a lease property makes a profit by purchasing a plurality of properties after the lease period expires and selling them in a used market where the property is bought and sold.
Therefore, securing profitable property suppliers and purchasing properties as cheaply as possible are important factors in gaining profits. By selling put options according to the present invention to leasing companies, it is possible to stably secure suppliers, and by securing a put premium for put options of multiple properties, the set residual value exceeds the market selling price. The merit that it is possible to reduce the risk in the case of occurrence is also produced.
Accordingly, the leasing company can sell the residual value setting lease with options with peace of mind, and can provide a mechanism that is advantageous for the purchaser of the leased up property.

The preferred embodiments have been described above, but the present invention is not limited to the described embodiments, and arbitrary modifications can be made within the scope described in the claims.
That is, in the embodiment described above, a residual value setting lease is contracted using this system, and the contents of the call option are registered in the contract information DB 124 of the sales / contract management institution 12 from the information in the contract process, Information is automatically registered, but it is possible to enter the contents of the set residual value lease and call option separately made without using this system using the Internet or other communication means. The server system 10 may prompt the user (specifically, send an input screen) and register the input data in each of the DBs 121 to 124.

In the embodiment described above, the vehicle is mainly described as an example of the lease target of the residual value setting lease. However, in addition to the lease target, vending machines, business game machines, computers, routers and other information devices, communication Hardware such as equipment, construction machines such as cranes and bulldozers, transport machines, aircraft, durable consumer goods, and computer systems including software may be targeted.
In addition, real estate such as condominiums, detached houses, offices, and the like can be used as leased items for residual value setting leases.

In addition to the embodiment described above, the lease contractor may buy and sell the call options owned by the lease contractor.
In addition, the leasing company may determine and purchase the selling price of the put option for the leased item of the residual value setting lease by an auction method in which the property purchaser sequentially reduces the selling price.

In addition, with respect to each device, each unit, each operation, each process, etc. described in the above embodiment, the embodiment can be configured by each means (to means) as a superordinate concept including them. is there.
Similarly, the embodiment may be configured by a superordinate concept such as “to (operation) means” for other various operations.

DESCRIPTION OF SYMBOLS 10 Comprehensive server system 11 Control organization 12 Sales / contract management organization 13 Contract examination organization 14 Residual value setting organization 15 Premium assessment organization 16 Option sales organization 20 Network 40 Property purchaser terminal 50 Leasing company terminal 60 Property sales company terminal 70 User terminal 80 User terminal

Claims (37)

The right to buy the leased item of a residual value set lease with the set residual value, that is, a method of buying and selling call options,
A first step of acquiring and registering in a database the content of a call option having at least information for identifying a leased object, a set residual value, and information capable of confirming a lease end date;
A second step of obtaining a sale price of the call option registered in the database and registering the call option in correspondence with the call option;
A method for buying and selling call options, comprising: a third step of presenting the contents of the call options registered in the database and the sale price thereof to a purchase applicant. Comprising the step 1a of mediating a residual value lease contract including a call option by communication using a computer;
2. The call option buying and selling method according to claim 1, wherein in the first step, the content of the call option is acquired from the content of the residual value setting lease contract mediated in the step 1a. The call option owner must be input by communication using a computer with at least the information specifying the leased item, the set residual value, and the information that allows confirmation of the lease end date. 1b step to prompt,
The method for buying and selling a call option according to claim 1, wherein the first step acquires the content of the call option input in the step 1b. A step 2a for prompting the owner of the call option registered in the database in the first step to input a sale price by communication using a computer;
4. The method for buying and selling call options according to claim 1, 2, or 3, wherein the second step acquires the sale price input in the step 2a. Step 2b for predicting an expected sale price when the leased object is sold after the lease period ends in response to a request by communication using a computer from the call option owner registered in the database in the first step When,
Presenting to the owner of the requested call option the amount of at least one of the expected sale price predicted in step 2b and the difference between the expected sale price and the set residual value for the leased object; 2c step,
The said 2nd step acquires the sale price input from the owner of the call option which requested | required after the said 2c step, The any one of Claims 1-4 characterized by the above-mentioned. A method for buying and selling a call option according to claim. Step 3a for extracting contents of all call options registered in the database and at least a part of the sale price in response to a request from a call option purchase applicant through communication using a computer Have
The said 3rd step shows the content of the call option extracted at the said 3a step, and its selling price with respect to the purchase requester who requested | required, The Claim 1 to Claim 5 characterized by the above-mentioned. The method for buying and selling call options according to any one of the claims. A call option specified by the purchase applicant presented in the third step by communication using a computer, and a step 4a for obtaining a desired purchase price for the call option;
A step 4b of storing the call option acquired in the step 4a and the desired purchase price together with information for identifying the purchase applicant in a purchase applicant database;
7. The method according to claim 1, further comprising: a fourth step of presenting information stored in the purchase applicant database in step 4a to the owner of the call option. A method for buying and selling a call option according to any one of the claims. In response to a request by communication using communication from the owner of the call option whose contents and sale price are registered in the database, the changed sale price is obtained, The method for buying and selling a call option according to any one of claims 1 to 7, further comprising a 4d step of changing registration contents. Lease targets of the residual value setting lease include automobiles, vending machines, business game machines, information equipment such as computers and routers, hardware such as communication equipment, construction machines such as cranes and bulldozers, transport machines, aircraft, The method for buying and selling a call option according to any one of claims 1 to 8, wherein the method is a durable consumer goods or a computer system including software. . The claim according to any one of claims 1 to 8, wherein the lease target of the residual value setting lease is a real estate such as a condominium, a detached house, or an office. How to buy and sell the call options listed. The right to buy the leased item of a residual value set lease with the set residual value, that is, a method of buying and selling call options,
A first step of acquiring and registering in a database the content of a call option having at least information for identifying a leased object, a set residual value, and information capable of confirming a lease end date;
A call comprising: a third option of presenting a call option registered in the database and a sale price of the call option registered in the database to a purchase requester with the call option registered in the database as an auction target; -Options trading method. A method in which a leasing company sells the leased item of a residual value lease to a property purchaser at a predetermined amount, that is, a method of buying and selling put options between the lease company and the property purchaser.
Sixth step of acquiring from the leasing company and registering the contents of the put option having at least information for identifying the leased object, set residual value, and information capable of confirming the lease end date through communication using a computer. When,
And a seventh option of presenting the contents of the put option registered in the database to a property purchaser through communication using a computer. Assessing the reasonable sale price of the put option for the leased item in the residual value lease; step 8a;
The put-and-put method according to claim 12, further comprising an 8b step of presenting the sales price assessed in the step 8a by a request from a leasing company or a property purchaser through communication using a computer. How to buy and sell options. Having an 8c step to mediate the determination of the selling price of the put option for the leased item of the residual value setting lease, which is performed using communication using a computer between the leasing company and the property purchaser. 13. The method for buying and selling put options according to claim 12. 13. The put option according to claim 12, further comprising an 8d step in which the property purchaser determines the selling price of the put option for the leased item of the residual value setting lease by an auction method in which the selling price is sequentially reduced. How to buy and sell. Lease targets of the residual value setting lease include automobiles, vending machines, business game machines, information equipment such as computers and routers, hardware such as communication equipment, construction machines such as cranes and bulldozers, transport machines, aircraft, 16. The put option buying and selling method according to claim 12, claim 13, claim 14, or claim 15, which is one of durable consumer goods and a computer system including software. 16. The call option according to claim 12, 13, 14, or 15, wherein the lease target of the residual value setting lease is a real estate such as a condominium, a detached house, or an office. How to buy and sell. The right to buy the leased item of the residual value setting lease with the set residual value, that is, a call option trading system for buying and selling call options,
A database where information about call options is stored;
First registration means for acquiring the content of a call option including at least information for identifying a leased object, a set residual value, and information capable of confirming a lease end date, and registering the content in the database;
A second registration means for acquiring a sale price of the call option registered in the database and registering the call option in the database in correspondence with the call option;
A call option buying and selling system, comprising: first presenting means for presenting the contents of a call option registered in the database and a sale price thereof to a purchase applicant. Having a first mediation means for mediating a residual value setting lease contract including a call option by communication using a computer;
19. The call option buying and selling system according to claim 18, wherein the first registration means obtains the contents of the call option from the contents of the residual value setting lease contract contracted in the first. The call option owner must be input by communication using a computer with at least the information specifying the leased item, the set residual value, and the information that allows confirmation of the lease end date. A first prompting means for prompting;
19. The call option buying and selling system according to claim 18, wherein the first registration means obtains the contents of the call option input after the input prompting by the first prompting means. A second prompting means for prompting the owner of the call option registered in the database by the first registration means to input a sale price by communication using a computer;
21. The call option buying and selling system according to claim 18, wherein the second registration means acquires a sale price inputted after prompting input by the second prompting means. . A sale price for estimating an expected sale price when the leased object is sold after the lease period ends in response to a request by communication using a computer from the call option owner registered in the database by the first registration means Anticipation means,
Present to the owner of the requested call option the amount of at least one of the expected sale price expected by the sale price forecasting means and the difference between the expected sale price and the set residual value for the leased item Second presentation means,
The said 2nd registration means acquires the sale price input from the owner of the call option which made the said request | requirement after showing by the said 2nd presentation means, The Claim 21 to Claim 21 characterized by the above-mentioned. A call option trading system according to any one of the claims. Extraction means for extracting at least a part of the contents of all call options registered in the database and the sale price in response to a request from a call option purchase applicant through communication using a computer Have
The said 1st presentation means presents the content of the call option extracted by the said extraction means, and its sale price with respect to the purchase requester who requested | required, The Claims 18-22 characterized by the above-mentioned. A call option buying and selling system according to any one of the claims. A call option specified by the purchase applicant presented by the first presentation means by communication using a computer, and a desired purchase price acquisition means for acquiring a desired purchase price for the call option;
Storage means for storing the call option acquired by the desired purchase price acquisition means and the desired purchase price together with information for identifying the purchase applicant in a purchase applicant database;
24. The third presenting means for presenting the information stored in the purchase applicant database by the storage means to the owner of the call option. A call option trading system according to any one of claims 1 to 4. In response to a request by communication using communication from the owner of the call option whose contents and sale price are registered in the database, the changed sale price is obtained, 25. The call option trading system according to any one of claims 18 to 24, further comprising registration content changing means for changing the registered content. Lease targets of the residual value setting lease include automobiles, vending machines, business game machines, information equipment such as computers and routers, hardware such as communication equipment, construction machines such as cranes and bulldozers, transport machines, aircraft, 26. The call option trading system according to any one of claims 18 to 25, wherein the system is a durable consumer goods or a computer system including software. . 26. The claim according to any one of claims 18 to 25, wherein the lease target of the residual value setting lease is a real estate such as a condominium, a detached house, or an office. Call option trading system described. A right to buy the leased item of the residual value setting lease with the set residual value, that is, a system for buying and selling call options,
First registration means for acquiring and registering in the database the content of a call option having at least information for identifying a lease object, a set residual value, and information capable of confirming a lease end date;
A first auction means for presenting the contents of the call option registered in the database and the selling price thereof to a purchase applicant, with the call option registered in the database as an object of an auction. Call option trading system. A system in which a leasing company sells the leased item of a residual value-set lease to a property purchaser at a predetermined amount, that is, a system that buys and sells put options between the lease company and the property purchaser.
Third registration that obtains from the leasing company and registers in the database the contents of the put option that has at least information that identifies the leased item, the set residual value, and information that allows confirmation of the lease end date through communication using a computer Means,
And a fourth presenting means for presenting the contents of the put option registered in the database to a property purchaser through communication using a computer. An assessment means for assessing a reasonable sale price of the put option for the leased item of the residual value setting lease;
30. A fifth presenting means for presenting the sales price assessed by the assessing means by a request from a leasing company or a property purchaser through communication using a computer. Optional trading system. Having a second intermediary between the leasing company and the property purchaser to mediate the determination of the selling price of the put option for the leased item of the residual value setting lease, which is performed using communication using a computer 30. The put option trading system according to claim 29. 31. The second auction means according to claim 29, further comprising a second auction means for a property purchaser to determine the selling price of the put option for the leased item of the residual value setting lease by an auction method in which the selling price is sequentially reduced. Optional trading system. Lease targets of the residual value setting lease include automobiles, vending machines, business game machines, information equipment such as computers and routers, hardware such as communication equipment, construction machines such as cranes and bulldozers, transport machines, aircraft, 33. The put option trading system according to claim 29, 30, 30, or 32, wherein the system is a durable consumer goods or a computer system including software. 33. The put option according to claim 29, claim 30, claim 31, or claim 32, wherein the lease target of the residual value setting lease is a real estate such as a condominium, a detached house, or an office. Trading system. The right to buy the leased item of the residual value setting lease with the set residual value, that is, the function of buying and selling call options,
A first registration function that obtains at least the contents of a call option including information for identifying a leased object, a set residual value, and information for confirming a lease end date, and registers the call option in a database;
A second registration function for obtaining a sale price of a call option registered in the database and registering the call option in the database in correspondence with the call option;
A computer-readable call option transaction processing program for realizing on a computer a call option information presentation function for presenting a call option information and a sale price of the call option registered in the database to a purchase applicant is stored. Program products. The right to buy the leased item of the residual value setting lease with the set residual value, that is, the function of buying and selling call options,
A first registration function for acquiring and registering in the database the content of a call option having at least information for identifying a leased object, a set residual value, and information for confirming a lease end date;
A computer for realizing a first auction function for presenting the contents of a call option registered in the database and a sale price thereof to a purchase applicant with the call option registered in the database as an object of auction A program product that stores a readable call option trading program. The function that the leasing company sells the leased item of the residual value setting lease for a specified amount of property purchaser, that is, the function of buying and selling put options between the leasing company and the property purchaser,
Third registration that obtains from the leasing company and registers in the database the contents of the put option that has at least information that identifies the leased item, the set residual value, and information that allows confirmation of the lease end date through communication using a computer Function and
A computer-readable put option buying / selling processing program for realizing on a computer a fourth presenting function for presenting the contents of the put option registered in the database to a property purchaser through communication using a computer. Stored program product.

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