KR102585718B1 - Uneven Payment Type Rental Service System amd the Method of the Same - Google Patents

Abstract

The present invention relates to a rental service system and method of an unequal payment method. The rental service system of an unequal payment method according to the present invention includes, in a product rental service system, customer information of a user who wishes to use the rental service. and a rental service management unit that receives rental service request information including product information regarding the selected product; Advance payment information regarding the first advance payment according to the advance payment selection criteria set based on the above rental service request information, interim rental information regarding the monthly rental fee paid every month during the entire rental period excluding the last month, and rental fee. A rental fee calculation unit that calculates a plurality of rental condition information including final rental fee information regarding the final rental fee to be paid in the final month by subtracting the intermediate rental fee, which is the sum of the advance fee and the monthly rental fee, from the total amount, and the rental service management unit includes; The point is to provide a plurality of calculated rental condition information to the customer terminal, receive any one of the rental condition information selected from the customer terminal, and store it as contract rental condition information.
As a result, service users can carefully select the advance payment and intermediate rental fee by considering their own payment ability and intention, thereby preventing impulse purchases and minimizing bad debts due to high-involvement selection.

Description

Uneven Payment Type Rental Service System amd the Method of the Same}

The present invention relates to a rental service system and method. In particular, the service user can carefully select the advance payment and intermediate rental fee in consideration of the user's ability to pay and intention, thereby preventing impulse purchases, and preventing impulse purchases due to high-involvement selection. Non-performing loans can be minimized, and the service user can choose to take over/return or re-rent the rental product during or at the end of the rental period, maximizing the service user's choice and making uneven payments that can be used again under favorable rental conditions through rational choice. It relates to a rental service system and method.

Product rental service is a method of renting and using a product by paying a price (rental fee) for a certain rental period. Compared to installment financing, it is possible to use the product while paying for a relatively long period of time, so there is no burden of purchasing in a lump sum, and it is relatively inexpensive. It is widely used because it has the advantage of allowing you to use expensive items while paying a small amount every month.

However, the above-described conventional product rental service has a problem in that there is little burden on the user at the time of the service contract, so there is a high possibility of impulse purchases, and in the case of users who lack the ability to pay, it leads to overdue rental fees, which ultimately leads to the production of non-performing loans.

In addition, since service users have no choice but to choose among the rental fees presented in a lump sum regardless of their willingness to pay, there is a problem of insufficient guarantee of customer choice. In particular, monthly rental fees paid equally every month may not be a burden in the early stages of the service. However, it has the disadvantage of being a significant burden when considering the entire contract period.

As a result, the conventional product rental service is conducted in a way that calculates the monthly rental fee equally according to the convenience of the seller (or rental company), depending on the characteristics of the product, consumer needs, credit status, or re-examination after rental expiration. There is a problem that rental requests, etc. are not reflected.

Public Patent Publication No. 10-2021-0012358

Therefore, the purpose of the present invention is to allow service users to carefully select the advance payment and intermediate rental fee by considering their own payment ability and intention, thereby preventing impulse purchases and minimizing bad debts due to high-involvement selection. The purpose is to provide a rental service system and service method using an unequal payment method.

In addition, another object of the present invention is to allow service users to not pay the monthly rental fee until the final month of rental or to use it at the minimum cost, thereby minimizing the customer burden and maximizing the contract maintenance rate until expiration. The purpose is to provide a rental service system and service method using an uneven payment method that can prevent the occurrence of bad debts due to non-payment of rental fees.

In addition, another purpose of the present invention is to maximize the service user's choice by selecting delivery/return or re-rental of the rental product during or at the end of the rental period, and to use it under advantageous rental conditions through reasonable selection. The purpose is to provide a rental service system and service method using an unequal payment method.

The above purpose is to provide a product rental service system according to the present invention, comprising: a rental service management unit that receives rental service request information including customer information of a user who wishes to use the rental service and product information regarding the selected product; Advance payment information regarding the first advance payment according to the advance payment selection criteria set based on the above rental service request information, interim rental information regarding the monthly rental fee paid every month during the entire rental period excluding the last month, and rental fee. A rental fee calculation unit that calculates a plurality of rental condition information including final rental fee information regarding the final rental fee to be paid in the final month by subtracting the intermediate rental fee, which is the sum of the advance fee and the monthly rental fee, from the total amount, and the rental service management unit includes; , Achieved by a rental service system with an uneven payment method that provides a plurality of calculated rental condition information to the customer terminal, receives any one of the rental condition information selected from the customer terminal, and stores it as contract rental condition information. do.

Here, the rental service management unit receives one or two or more of the entire rental period selectable from the customer terminal, payable advance payment information regarding the advance payment payable by the rental service user, or payable intermediate rental fee information, and responds thereto. Thus, the rental fee calculation unit can calculate the one or more rental condition information that meets the advance payment selection criteria.

Here, the advance payment selection criteria includes either or both of the rental service user's customer credit rating information or product characteristic information regarding the selected product, and the rental fee calculation unit determines that the advance payment is equal to the total rental fee based on the advance payment selection criteria. The rental condition information can be calculated to be within the range of 5 to 25%.

Meanwhile, the intermediate rental fee information is provided so that the monthly rental fee is within 2% of the total rental fee, and the rental service management unit reminds the intermediate rental fee discount information regarding the discount conditions and discount amount for receiving a discount on the calculated monthly rental fee. It can be included in the rental condition information and provided to the customer terminal so that the rental service user can make a selection.

Meanwhile, the rental service management unit may include the intermediate rental discount information regarding the discount amount equal to the calculated monthly rental fee or within a set error range in the rental condition information and provide it to the customer terminal.

Here, when a re-rental service request for a product being rented or expired is received from the customer terminal, the rental service management unit calculates the residual value for the product being rented or expired in the rental fee calculation unit. Calculate, use the calculated residual value as the total re-rental fee, calculate a plurality of re-rental condition information corresponding to the corresponding rental condition information, and calculate the plurality of re-rental conditions calculated. ) Rental condition information is provided to the customer terminal, and any selected re-rental condition information can be received from the customer terminal and stored as re-contract rental condition information.

Meanwhile, the above object is, according to an embodiment of the present invention, in the product rental service method, the rental service management unit receives rental service request information including customer information of the service user and product information about the selected product; ; A rental fee calculation unit calculating a plurality of advance payment information regarding the first advance payment according to advance payment selection criteria set based on the rental service request information; The rental service management unit providing a plurality of advance payment information to a customer terminal, receiving one selected advance payment information from the customer terminal, and storing it as contract advance payment information; Based on the contract advance payment information, the rental fee calculation unit provides a plurality of intermediate rental fee information regarding the monthly rental fee paid every month during the entire rental period excluding the final month, and the amount paid in the final month corresponding to each intermediate rental fee information above. calculating final rental fee information regarding the final rental fee; The rental service management unit provides a plurality of intermediate rental fee information and the final rental fee information corresponding thereto to the customer terminal, and receives one selected intermediate rental fee information and the final rental fee information corresponding thereto from the customer terminal. It is also achieved by a rental service method of an uneven payment method including the step of storing contract rental condition information.

Here, the step of calculating a plurality of advance payment information includes a range of the advance payment based on customer credit rating information included in the customer information, a range of the advance payment based on product characteristic information included in the product information, and the rental service. Any one or two or more of the ranges of advance payments payable by the user included in the request information overlap, and may include calculating the advance payment information for a plurality of the advance payments within the range of 5 to 25% of the total rental fee. .

Meanwhile, the step of calculating the intermediate rental fee information includes extracting intermediate rental fee discount information regarding discount conditions and discount amounts for receiving a discount on each calculated intermediate rental fee; The rental service management unit may further include providing the intermediate rental fee discount information to the customer terminal along with the intermediate rental fee information.

Meanwhile, the rental service management unit receives a re-rental service request for a product being rented or expired from the customer terminal; the rental fee calculation unit calculating a residual value for the product being rented or expired; The rental fee calculation unit calculates a plurality of re-rental condition information corresponding to the rental condition information including the advance payment information by using the calculated residual value as the total re-rental fee; providing the plurality of re-rental condition information calculated by the rental service management unit to the customer terminal; The rental service management unit may further include receiving the re-rental condition information selected from the customer terminal and storing it as re-contract rental condition information.

Therefore, according to the rental service system and service method of the unequal payment method according to the present invention, the service user can carefully select the advance payment and intermediate rental fee in consideration of his or her payment ability and intention, thereby preventing impulse purchases. It has the advantage of minimizing non-performing loans due to high-involvement selection.

Therefore, the rental service system and service method of the unequal payment method according to the present invention allow service users to not pay the monthly rental fee until the last month of rental or use it at the minimum cost, thereby minimizing the customer burden and expiration. It has the advantage of maximizing the contract maintenance rate until the end of the contract period and preventing the occurrence of bad debts due to non-payment of monthly rental fees.

Therefore, the unequal payment rental service system and service method according to the present invention can maximize the service user's choice by allowing selection of delivery/return or re-rental of the rental product during or at the end of the rental period, There is an advantage of being able to use it under favorable rental conditions through reasonable selection.

1 is a configuration diagram of a rental service system with an uneven payment method according to an embodiment of the present invention;
2 and 3 are flowcharts of a rental service method using an unequal payment method according to various embodiments of the present invention;
Figure 4 is a table comparing rental fees for rental services using a conventional equal payment method and an unequal payment method according to an embodiment of the present invention.

The advantages and features of the present invention and methods for achieving the same will become clear by referring to the embodiments described in detail below along with the accompanying drawings.

However, the embodiments described below are provided to enable a clear and complete understanding of the technical idea of the present invention, and the present invention is not limited to the presented embodiments and may be embodied in various other forms.

The terms used herein are only used to describe specific embodiments and are not intended to limit the invention.

That is, in this specification, singular expressions include plural expressions unless the context clearly indicates otherwise. In addition, in this specification, terms such as 'include' or 'have' are intended to designate the presence of features, numbers, steps, operations, components, parts, or a combination thereof described in the specification, but are intended to indicate the presence of one or more other Since it is not intended to exclude the presence or possibility of addition of features, numbers, steps, operations, components, parts, or combinations thereof, it should be construed as not excluding them unless an exception to such exclusion is specified.

The terminology used herein is for describing embodiments and is not intended to limit the invention. Therefore, when a component is referred to as being “connected to” another component, it may be directly connected to that other component, unless the expression refers to being “directly connected,” but there are no intervening components. It should be interpreted that the component may exist. Additionally, in the specification, singular forms also include plural forms unless specifically stated in the phrase.

Meanwhile, all terms (including technical and scientific terms) used, unless otherwise defined, basically have the same meaning as generally understood by those skilled in the art in the field to which the present invention pertains. However, each term described below is defined in consideration of the function in the embodiment of the present invention, and may vary depending on the intention or custom of the user or operator, so a clear definition of the term is based on the content throughout the specification. It must be interpreted first.

Hereinafter, embodiments of the present invention will be described with reference to the attached drawings.

First, referring to FIG. 1, the rental service system 100 of the uneven payment method according to an embodiment of the present invention includes a rental service management unit 110 and a rental fee calculation unit 120.

Here, unequal means that, unlike the conventional method of dividing the total rental fee over the entire rental period and paying the monthly rental fee at the same amount, the advance payment, intermediate rental fee, and final rental fee can be set differently.

The rental service management unit 110 operates through a customer terminal 200 or a marketing channel (rental product seller, e.g., direct sales company, online marketing channel, home shopping, etc.), a credit information company 400, an affiliated discount company 500, etc. In relation to rental services, it communicates with various external resources through wired and wireless networks and performs various functions such as storing or managing rental service-related information.

In this specification, the rental service management unit 110 and the rental fee calculation unit 120 are divided according to their functions, but all functions may be performed by a single integrated management server, and the scope of the present invention is not limited thereto. .

Hereinafter, with reference to FIGS. 2 to 4, the function of each component will be described according to the service progress stage of the uneven payment rental service system 100 according to an embodiment of the present invention.

The rental service management unit 110 receives rental service request information including customer information of a user who wishes to use the rental service and product information regarding the selected product.

The rental service request information can be received through various routes. For example, when passing through an online marketing channel (rental company online homepage, etc.) operated directly by the rental service system 100, the online marketing channel is accessed. The rental service request information can be received directly from a customer terminal 200.

Alternatively, when passing through various marketing channels 300 (for example, home shopping channels or portal channels such as Naver Store) that collaborate with the rental service system 100, the customer terminal 200 connected to the specific marketing channel 300 ) You can also receive the rental service request information provided by.

The rental service request information includes the user's customer information and product information about the selected product, and the user's customer information may further include the user's customer credit rating information in addition to the user's personal information.

The customer credit rating information is used to set the minimum advance payment standard when selecting the advance payment, which will be described later. When the rental service management department 110 receives the customer information directly from the customer terminal 200, it is used by the credit information company with the consent of the user. You can obtain the above customer credit rating information by directly inquiring at (400). Alternatively, when the rental service management unit 110 receives the customer information through the marketing channel 300, the customer credit rating information retrieved from the credit information company 400 is obtained through the marketing channel 300 with the user's consent and is used for marketing purposes. It can also be obtained from channel 300. Or, in the latter case, only the customer information is received from the marketing channel 300, and the rental service management unit 110 sends the customer to the credit information company 400 through consent procedures such as identity verification from the customer terminal 200. You can check your credit rating information directly.

The rental fee calculation unit 120 calculates a plurality of rental condition information including advance payment information, intermediate rental fee information, and final rental fee information.

Here, the rental fee calculation unit 120 may calculate the advance payment information, intermediate rental fee information, and final rental fee information at once and provide them to the customer terminal 200 (see FIG. 2), or provide and determine the advance payment information, It is also possible to sequentially calculate and provide the intermediate rental fee information, such as provision and decision (see Figure 3).

First, when described with reference to FIG. 3, the advance payment information includes information about the advance payment to be initially paid according to the advance payment selection criteria set based on the rental service request information.

The advance payment selection criteria may include, for example, any or both of customer credit rating information of the rental service user or product characteristic information regarding the selected product.

As described above, the rental service management unit 110 may directly inquire about the customer credit rating information from a credit information company with the user's consent, or the customer credit rating information already searched by the marketing channel 300 may be searched (with the user's consent). ) can be delivered.

Here, the rental fee calculation unit 120 may calculate the advance payment to be included within a certain range (for example, 5 to 25% range) of the total rental fee based on the advance payment selection criteria.

In this case, the customer credit rating information serves as a standard for setting the minimum standard for the advance payment. For example, if the customer credit rating information is excellent, the minimum standard for the advance payment is set low, and conversely, if the customer credit rating information is not good, the minimum standard for the advance payment is set low. The minimum standard for the above advance payment may be increased. This can be set automatically according to established standards.

Alternatively, as shown in FIG. 3, the advance payment (or range thereof) payable by the customer may be inputted in advance in the rental service request information (S23), and the advance payment information based on the customer credit rating information and product characteristic information may be entered in advance. First, it is calculated and transmitted to the customer terminal 200, and in response, the service user may select an advance payment payable and provide it to the service management unit 110.

Therefore, according to the rental service system of the uneven payment method according to the present invention, the advance payment is determined by reflecting the customer's credit rating information and payment intention, so it is possible to prevent impulse purchases and minimize the deterioration of rental bonds. there is.

Meanwhile, the product characteristic information is related to the characteristics of the product to be rented, and may include, for example, durability and whether additional costs such as installation are added. In this case, if the durability of the product is high, the advance payment can be set low because the residual value is high for the same rental period, and if installation, transportation, collection, etc. require a lot of cost, the advance payment can be set relatively high. You can. The degree of product characteristics can be quantified for each item (durability, etc.) and automatically reflected in the advance payment standard when a product is selected.

The rental service management unit 110 provides the customer terminal 200 with an advance payment range that reflects one or more of the customer credit rating information or product characteristic information or a plurality of advance payment information within the advance payment range according to the advance payment selection criteria described above. This allows the service user to select (S24, S25 in Figure 3).

The intermediate rental fee information includes information on the monthly rental fee paid every month during the entire rental period excluding the final month (hereinafter referred to as 'last month' for convenience).

The intermediate rental fee information includes information about the monthly rental fee paid by the service user every month, and the monthly rental fee can be set to within 2% of the total rental fee.

Meanwhile, the rental service management unit 110 may provide the calculated intermediate rental fee discount information regarding the discount conditions and discount amount for receiving a discount on the intermediate rental fee to the customer terminal 200 by including them in the rental condition information.

For example, the rental service management unit 110 receives various discount conditions and discount amounts from the affiliated discount company 500 (e.g., card company, etc.) to enable billing discounts according to the use of the affiliated card. The intermediate rental fee discount information may be stored in a database (not shown), and the appropriate intermediate rental fee discount information may be extracted based on the customer information and the calculated monthly rental fee. Alternatively, in the step of calculating the intermediate rental fee information, the customer information may be used to inquire with an affiliated discount company and the appropriate intermediate rental fee discount information may be provided.

Accordingly, the rental service user can select whether to use the intermediate rental fee discount information provided together with the intermediate rental fee information.

Here, the rental service management unit 110 includes the intermediate rental fee discount information regarding the discount amount that is the same as the calculated intermediate rental fee or within a set error range in the rental condition information, so that the service user can purchase the monthly rental fee until the final month. You can minimize your rental fee or not pay it at all.

Figure 4 is a table showing the advance payment, intermediate rental fee (monthly rental fee), and final monthly rental fee for each session of the conventional equal payment method rental service and the non-equal payment method rental service according to an embodiment of the present invention.

Referring to this, when the total rental fee is 360,000 won and the total rental period is 36 months, in the case of the conventional equal payment method, a monthly rental fee of 10,000 won is paid for 36 months, but in the case of the unequal payment method according to the present invention, You can see that the monthly rental fee is 3,600 won (assuming 1%), which is more than 60% cheaper than the equal method.

In addition, even if the advance payment is included in the comparison, looking at the customer's cumulative payment ratio (total rental paid out of the total rental fee), in the case of a 5% advance payment, the total amount paid up to 35 times (KRW 144,000) is compared to the 15th time (KRW 150,000) in the equal payment method. Since it is less, it can be confirmed that the burden on service users is greatly reduced. (Others, in the case of 15% advance payment, the 35th payment is the same as the 18th payment in the equal payment method, and in the case of 25% advance payment, the 35th payment is the same as the 22nd payment in the equal payment method)

Additionally, if the intermediate rental fee is discounted, service users can use the rental service without monthly rental fees up to 35 times with just the advance payment, minimizing the burden.

Therefore, the rental service system of the unequal payment method according to the present invention allows service users to not pay the monthly rental fee until the final month of rental or to use it at the minimum cost, thereby minimizing the customer burden and increasing the contract maintenance rate until expiration. It has the advantage of being able to maximize and prevent the occurrence of bad debts due to non-payment of monthly rental fees.

The final rental fee information is obtained by subtracting the intermediate rental fee, which is the sum of the advance payment and the monthly rental fee, from the total rental fee, and includes the final rental fee paid in a lump sum in the final month.

The final rental fee can be automatically calculated from the total rental fee when the advance fee and the intermediate rental fee are determined through consultation with the service user, and is approximately determined within the range of 40 to 60% of the total rental fee. Alternatively, it may be provided so that the service user can select the ratio of the final rental fee and the advance payment.

On the other hand, as shown in FIG. 2, when calculating the advance payment and the intermediate rental fee simultaneously (S20), the entire rental period selectable from the customer terminal 200 and payable advance payment information regarding the advance payment payable by the service user or One or two or more of the payable intermediate rental fee information may be provided first by including them in the rental service request information (S10 in FIG. 2).

Accordingly, in response to this, the rental fee calculation unit 120 can calculate one or more rental condition information that meets the advance payment selection criteria (S20 in FIG. 2), and then the rental service management unit 110 calculates A plurality of the rental condition information is provided to the customer terminal 200 (S20a in FIG. 2), and any one of the rental condition information selected is provided from the customer terminal 200 and stored as contract rental condition information. (FIG. S30 of 2).

The rental service management unit 110 may receive a re-rental service request for a product being rented or an expired product from the customer terminal 200.

In this case, the rental service management unit 110 causes the rental fee calculation unit 120 to calculate the remaining value for the product that is being rented or has expired, and uses the calculated residual value as the total amount of the re-rental fee. A plurality of re-rental condition information corresponding to the rental condition information is calculated.

Alternatively, in the rental fee calculation unit, the remaining intermediate rental fee, which is the sum of the monthly rental fee for the remaining rental period among the entire rental period, the final rental fee, and the residual value for the product being rented are added to the re-rental fee. As the total amount, a plurality of re-rental condition information corresponding to the rental condition information can be calculated for the total amount of the re-rental fee.

Afterwards, the rental service management unit 110 provides the calculated plurality of re-rental condition information to the customer terminal 200, and provides any one of the re-rental condition information selected from the customer terminal 200. You can receive it and save it as re-contract rental condition information.

Alternatively, service users may choose to take over or return the rental product in addition to re-renting it.

Since the above calculation of re-rental condition information, service user's decision process, and storage process of re-rental condition information are the same as the steps described above, their description will be omitted.

Therefore, the rental service system 100 of the unequal payment method according to the present invention can maximize the service user's choice by allowing selection of acquisition/return or re-rental of the rental product during or at the end of the rental period, and reasonable There is an advantage in being able to use favorable rental conditions through selection.

As seen above, according to the rental service system of the unequal payment method according to the present invention, the service user can carefully select the advance payment and intermediate rental fee by considering his or her payment ability and intention, thereby preventing impulse purchases. It has the advantage of minimizing non-performing loans due to high-involvement selection.

Hereinafter, with reference to the attached FIGS. 2 and 3, a rental service method using an uneven payment method according to an embodiment of the present invention will be described.

First, referring to FIG. 3, the rental service management unit 110 receives rental service request information including customer information of the service user and product information about the selected product (S10).

Accordingly, the rental fee calculation unit 120 calculates a plurality of advance payment information regarding the first advance payment according to the advance payment selection criteria set based on the rental service request information.

Specifically, the step of calculating a plurality of advance payment information includes a range of the advance payment based on customer credit rating information included in the customer information (S21), a range of the advance payment based on product characteristic information included in the product information, and (S22), one or two or more of the range of advance payments payable by the user included in the rental service request information (S23) overlap, and a plurality of the advance payments within the range of 5 to 25% of the total rental fee are included in the advance payment. It may include a step of calculating information.

Next, the rental service management unit 110 provides a plurality of the advance payment information to the customer terminal 200 (S24), receives any one of the advance payment information selected from the customer terminal 200, and stores it as contract advance payment information (S24) S25, S26).

Thereafter, the rental fee calculation unit 120 provides a plurality of intermediate rental fee information regarding the monthly rental fee to be paid every month during the entire rental period excluding the final month based on the contract advance payment information, and provides payment in the final month corresponding to each intermediate rental fee information. Calculate the final rental fee information regarding the final rental fee (S27).

Here, the step of calculating the intermediate rental fee information includes extracting intermediate rental fee discount information regarding the discount conditions and discount amounts for receiving a discount on each calculated intermediate rental fee, and the rental service management unit 110 calculating the intermediate rental fee discount. It may further include providing information to the customer terminal 200 along with the intermediate rental fee information.

Next, the rental service management unit 110 provides a plurality of the intermediate rental fee information and the corresponding final rental fee information to the customer terminal 200 (S28), and any one of the intermediate rental fee information selected from the customer terminal 200 And the final rental fee information corresponding thereto is received and stored as contract rental condition information (S29, S30).

Afterwards, the rental contract is executed according to the contract rental condition information (S40).

The re-rental method according to an embodiment of the present invention includes the steps of the rental service management unit 110 receiving a re-rental service request for a product being rented or expired from the customer terminal 200; a step of the rental fee calculation unit 120 calculating a residual value for the product being rented or expired; A step in which the rental fee calculation unit 120 calculates a plurality of re-rental condition information corresponding to the rental condition information including the corresponding advance payment information by using the calculated residual value as the total re-rental fee. and; providing the plurality of re-rental condition information calculated by the rental service management unit 110 to the customer terminal 200; It includes the step of the rental service management unit 110 receiving the re-rental condition information selected from the customer terminal 200 and storing it as re-contract rental condition information.

Although the present invention has been described above with limited examples and drawings, the present invention is not limited thereto, and the technical idea and scope of the patent claims can be understood by those skilled in the art in the technical field to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equality.

100: Rental service system with unequal payment method
110: Rental service management department
120: Rental fee calculation unit
200: Customer terminal 300: Marketing channel
400: Credit information company 500: Affiliated discount company

Claims (10)

In the product rental service system,
a rental service management unit that receives rental service request information including customer information of users who wish to use the rental service and product information about the selected product;
Advance payment information regarding the first advance payment according to the advance payment selection criteria set based on the above rental service request information, interim rental information regarding the monthly rental fee paid every month during the entire rental period excluding the last month, and rental fee. It includes a rental fee calculation unit that calculates a plurality of rental condition information including final rental fee information regarding the final rental fee to be paid in the final month by subtracting the intermediate rental fee, which is the sum of the advance fee and the monthly rental fee, from the total amount.
The rental service management unit provides a plurality of calculated rental condition information to a customer terminal, receives one selected rental condition information from the customer terminal, and stores it as contract rental condition information,
The rental service management unit includes the discount conditions for receiving a discount on the calculated monthly rental fee and intermediate rental fee discount information regarding the discount amount in the rental condition information and provides it to the customer terminal so that the rental service user can make a selection. However, the intermediate rental fee discount information is the same as the calculated monthly rental fee or includes information on the discount conditions and discount amount within a set error range, a rental service system with an uneven payment method. According to paragraph 1,
The rental service management unit receives one or more of the entire rental period selectable from the customer terminal, payable advance payment information regarding the advance payment payable by the rental service user, or payable intermediate rental fee information, and responds thereto. A rental service system with an uneven payment method that allows the rental fee calculation unit to calculate the one or more rental condition information that meets the advance payment selection criteria. According to paragraph 1,
The advance payment selection criteria includes either or both of the rental service user's customer credit rating information or product characteristic information regarding the selected product, and the rental fee calculation unit determines that the advance payment is 5 to 5 of the total rental fee based on the advance payment selection criteria. A rental service system with an uneven payment method that calculates the rental condition information to be within the 25% range. According to paragraph 1,
The intermediate rental fee information is a rental service system with an uneven payment method in which the monthly rental fee is provided within 2% of the total rental fee. According to paragraph 1,
When the rental service management unit receives a re-rental service request for a product being rented or expired from the customer terminal,
In the rental fee calculation unit, the residual value for the product being rented or expired is calculated, and the calculated residual value is used as the total re-rental fee to generate a plurality of goods corresponding to the corresponding rental condition information.再) Calculate rental condition information,
Providing a plurality of calculated re-rental condition information to the customer terminal, receiving any one of the re-rental condition information selected from the customer terminal and storing it as re-contract rental condition information , Rental service system with unequal payments. delete delete delete delete delete

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