KR20190128454A - Method, system and computer program for succeeding leased vehicle - Google Patents

Abstract

The present invention relates to a method, a system, and a computer program for succeeding a leased vehicle. According to the present invention, a method, performed by a lease brokering server, for succeeding, to a successor, a lease agreement between a lease user and a lease company comprises the steps of: receiving, from a lease user terminal, lease agreement information, leased vehicle information, and a provision interest rate that the lease user desires to provide to the successor; calculating a market price of the leased vehicle by using the leased vehicle information, and calculating an interest loss of the lease company according to the provision interest rate; calculating a refund excluding the remaining principal of the leased vehicle and the interest loss in the market price and transmitting the calculated refund to the lease user terminal; receiving a lease succession entrustment agreement from the lease user terminal; and registering a lease succession product including a monthly lease fee calculated by applying the provision interest rate to the market price, and a repayment refund for each payment round, an interest for each payment round, a remaining principal for each payment round, a residual value, and the leased vehicle information, which are required to prove the provision interest rate. According to the present invention, since some of interest rates charged to a lease agreement successor are supported by a lease agreement lessor, the burden of the interest rates on the successor can be reduced, and the lessor can provide a desired interest rate to the successor, thereby enhancing competitiveness of lease succession and activating lease succession market.

Description

Lease vehicle succession method, system and computer program {METHOD, SYSTEM AND COMPUTER PROGRAM FOR SUCCEEDING LEASED VEHICLE}

The present invention relates to a lease vehicle succession method, a system and a computer program, and more particularly, to a lease vehicle succession method, a system and a computer program for allowing a lease user to inherit a lease vehicle under desired sales conditions.

A lease is when a lessee pays a lease to a lessor and obtains the right to use the leased asset. In other words, it can be seen as an asset rental act that provides lease fees while borrowing assets, which are widely used for high-value vehicles.

Vehicle lease products can be classified as finance leases, operating leases or grace leases. A financial lease is the transfer of ownership of a vehicle to a lessee at the end of or before the lease term, which is similar to installment financing. An operating lease can be viewed as a simple rental, by returning the vehicle to the leasing company at the end of the lease term, paying the lease fee and using the vehicle during the lease term. In operating leases, the residual value, ie the acquisition price of the vehicle at the end of the lease term, is set at the time of contracting by the lease company or used car futures company, and the lessee shall pay the principal and interest charges excluding the interest and residual value of the residual value. To pay. A grace lease, like an operating lease, pays principal and interest on lease payments, including interest on residual value and residual value, as lease payments.Deferred lease payments can be returned at maturity, not in consultation with a qualified used car futures company. And all deferred residual value must be paid and the lessee accepts it.

On the other hand, there is a lease succession in which a lease contract is inherited to another through a lease company and a lease user. Unlike a general used car, a lease succession means that a lease successor has the right to use a lease vehicle and pay a debt. It can be seen as an act of being inherited by a successor.

In the case of a lease succession, the lease successor will inherit the lease agreement between the lessee (lease successor) and the lease company. Considering the depreciation of the company's value, the interest rate actually paid by the lease successor to the leasing company is very high at 15-35%. For this reason, the leasing company or the lessee's successor does not disclose the details of the successor's details, such as repayment principal and interest rates, and the successor cannot determine succession because the contractor cannot clearly know the contents of the contract. There are many cases.

In addition, lease rates are somewhat higher than new car installments, while lease successors who lease a new car may pay a high interest rate for the purpose of leasing and use the vehicle, but lease successors use lease for purchase purposes. Because it is a succession, it is reluctant to accept high interest rates. For this reason, the lease vehicle is not actively succeeded to the lease market.

On the other hand, the initial lease user prefers the succession of the lease as the lease termination method requires a very high penalty (about 30% of the remaining principal) to the leasing company. However, lease succession is difficult to find successors because there are so many factors to consider and the calculation is complicated as described above.

In order to solve the problem of lease succession, Korean Patent No. 10-1722139 (Invention name: Data processing method for succession of lease vehicle, notification date: March 31, 2017) is approved from the receipt of the lease company when the succession request By bringing the entire process up to online, we have devised a data processing method to make lease succession transactions transparent, easy to understand, and provide accurate information.

However, this is only about how to process and display the data required for succession, and the lease successor is fundamentally responsible for the succession of the lease, that is, even if the lease vehicle becomes a used car, it is imposed on the lease successor. If the interest rate is too high and the initial deposit is too large, the initial cost of succession will not be solved. Therefore, new business models are needed to solve these problems and maximize the benefits of lease succession.

The present invention has been made to solve the above-mentioned problems, and an object of the present invention is to reduce the interest rate burden of the lease contract successor by supporting a portion of interest rates imposed on the successor.

It is another object of the present invention to provide a lease contracting method to enhance the competitiveness of the lease succession and to activate the lease succession market by allowing the succession of the lease contract to provide the desired interest rate to the successor.

It is also another object of the present invention to provide a lease contracting method that can clearly provide lease succession information, thereby increasing the transparency of the information and minimizing the dispute.

In order to achieve the above object, the present invention provides a method of inheriting a lease agreement between a lease user and a lease company to a successor, wherein the lease contract information, lease vehicle information, and the lease user are provided to the successor by the lease user terminal. Receiving a desired interest rate, calculating a market price of a lease vehicle using the lease vehicle information, calculating an interest loss amount of the lease company according to the provided interest rate, and remaining of the lease vehicle at the market price Calculating the refund amount excluding the principal and the interest loss amount, and transmitting the refund to the lessee user terminal; receiving a lease succession agreement from the lessee user terminal; a monthly fee calculated by applying the offer rate to the market price; Payment cycle required to prove offered interest rate And in that it comprises a principal reimbursement, paid-time discrimination amount of interest, paid-time discrimination remaining principal, the residual value and the step of registering the lease succession product comprising the less the vehicle information in one aspect.

According to the present invention as described above, the lessee's interest rate burden can be reduced by supporting the part of the interest rate imposed on the successor, and the lessee's competitive interests can be provided to the successor. This will enhance the lease succession market.

In addition, according to the present invention, it is possible to clearly provide lease succession information, thereby increasing transparency of the information and minimizing the risk of disputes that may occur in the lease succession.

In addition, according to the present invention, the lease successor can purchase a used car at a low interest rate without an initial cost, thereby facilitating the inflow of the successor's lease succession market.

1 is a block diagram showing a lease succession system according to an embodiment of the present invention,
2 is a flowchart illustrating a lease succession method according to an embodiment of the present invention;
3 is a flowchart illustrating a payment method of a lease succession method according to an embodiment of the present invention;
Figure 4 is a flow chart for explaining the payment method of the lease succession method according to an embodiment of the present invention,
5 is a flowchart illustrating a lease succession method according to another embodiment of the present invention.

The above objects, features, and advantages will be described in detail with reference to the accompanying drawings, whereby those skilled in the art may easily implement the technical idea of the present invention. In describing the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description will be omitted. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. The same reference numerals in the drawings are used to indicate the same or similar components, all combinations described in the specification and claims may be combined in any way. And unless specified otherwise, reference to the singular may include one or more, and reference to the singular may also include the plural expression.

Hereinafter, a lease succession method and system according to an embodiment of the present invention will be described with reference to FIGS. 1 to 3.

Referring to FIG. 1, a lease succession system according to an embodiment of the present invention includes a lease company terminal 50, a lease user terminal 100, a lease broker server 200, and a lease succession terminal 300. Here, the lessee means the successor of the lease, and it can be understood that the lessee is a user of the lease that has a lease with the lessor.

In the present specification, the term 'terminal' includes not only an electronic device such as a desktop or a notebook, but also an electronic device such as a smartphone, a PDA, a PMP, a tablet PC (smart pad) including a communication module, and the lease company terminal 50 includes The terminal used by the leasing company, the lease user terminal 100 may be understood to be a terminal used by the lease user, the terminal 300 is a lease successor is a terminal used by the lease successor.

The lease user terminal 100 may receive the lease contract information, the lease vehicle information, and the offer rate that the lease user intends to provide to the successor from the lease user and transmit the lease contract information to the lease intermediation server 200 (S50).

The lease contract information is about lease contracts between the lessee and the lease company.The lease type (financial lease, operating lease, deferred lease), cost of acquisition, lease company, lease term, monthly lease, deposit, down payment, lease interest rate, remaining Value, and lease execution date. The minimum lease contract information received by the lessee user terminal 100 from the lessee user and delivered to the mediation server 200 may include acquisition cost, monthly rent, lease period, remaining value, and lease execution date. This is because the lease type, the lease interest rate, and the remaining principal can be calculated only by the acquisition cost, the monthly fee, the residual value, the lease term, and the lease execution date received by (200). Alternatively, the lease user terminal 100 may input only the acquisition cost, the monthly fee, the residual value, the lease period, and the lease execution date with the minimum lease contract information.

The lease vehicle information is information on a vehicle that is subject to a lease contract, and includes a vehicle model, a model, a year, fuel, a displacement, a vehicle number, a color, an option, an accident, a mileage, a photograph, and the like. The lease vehicle information transmitted by the lease user terminal 100 to the lease broker server 200 for the first time includes minimal information for identifying a vehicle sales price in the used car market such as a vehicle model (model), year, mileage, and the presence of an accident. Included. After the lease user terminal determines to entrust the lease succession to the mediation server 200, the lease user terminal may transmit detailed information such as a picture to the mediation server 200. The lease broker server 200 may provide the lease user terminal 100 with items to be input as lease vehicle information step by step. For example, in the first step, as an input item for inputting a model, a year, a mileage, and the presence of an accident as minimum information for specifying a vehicle selling price in a used car market, the lease from the lease user terminal 100 may be provided. In the second step after receiving the succession entrustment agreement, an input item may be provided to upload a vehicle picture. In addition, when the lease intermediation server 200 receives the lease succession consignment agreement, the lease succession consignment agreement may be transmitted to the lease user terminal 100 so that the lease succession consignment contract may be made online.

According to an embodiment of the present invention, the lease user terminal 100 receives a rate provided by the lease user to the successor from the lease user (S50).

In the past, both the successor and the successor could not know the present value of the subject leased vehicle and the interest rate applied to the successor, so that the terms of the successor's succession were considered to be unfavorable compared to the successor's initial contractual conditions. It was hard to find successors. For example, if the interest rate of the initial lease agreement is 8.5%, it may be detrimental for the successor to succeed the lease vehicle, which has already become a used car, under the terms of the initial lease agreement. On the other hand, the lease company 50 expects to receive an interest rate of 8.5% during the lease term through the lease contract, and the lease terms cannot be changed to an interest rate lower than the initial execution rate, which may cause interest loss. . Therefore, it is difficult for a lessee to find a successor even if there is a reason for the termination of the lease, and they have to terminate the lease with a high cancellation penalty amounting to about 30% of the remaining principal.

However, according to one embodiment of the present invention, the lessee may set the desired interest rate to a level that can attract the successor. For example, if a lease user wants to provide a successor with a 2% interest rate, the lease user may transmit a provided interest rate (2%) to the intermediary server 200 through the lease user terminal 100. More specifically, the offer rate may be transmitted to the intermediary server 200 by inputting the offer rate into the lease succession application program installed in the lease user terminal 100 or the lease succession website provided by the mediation server 200. That is, according to the present invention, it is possible to enhance the competitiveness of the lease contract to be succeeded by proposing a lease interest rate applied to the successor based on the present value of the leased vehicle being used by the lessee, and thereby secure the lease successor quickly. .

In another embodiment, the lessee may set a provided interest rate and a price subsidy to support the successor. In this case, the successor may pay the Wallace fee at the market rate less the price subsidy.

The loss of the leasing company caused by the change in the lease terms of the lessee can be compensated by the lessee, which will be described later. Even if the lessee's damages are retained by the lessee, this is significantly lower than the lease termination penalty incurred due to failure to take over the lease. Is advantageous.

The lease broker server 200 calculates the market price of the lease vehicle using the lease vehicle information, and calculates the interest loss amount or the interest subsidy of the lease company according to the provided interest rate (S100).

The lease broker server 200 may calculate a refund or support money excluding the remaining principal and interest loss of the lease vehicle from the market price and transmit the refund or support money to the lease user terminal (S200), and provides the provided interest rate at the market price to the broker server 200. A lease succession product is registered by registering a lease calculated by applying the lease and the recurring principal, the recurring principal interest, the remaining principal, the remaining value, and the lease vehicle information. It may be exposed to this web page or application (S500).

The market price of a lease vehicle is the used car price of the lease vehicle. The lease broker server 200 may calculate a market price according to a lease vehicle model, year, mileage, accident, model, displacement, fuel, color, and option using a predetermined algorithm. The lease intermediation server 200 may set an average price or a minimum price of a used car price corresponding to the lease vehicle as a market price according to a user setting.

The mediation server 200 calculates the interest loss amount of the leasing company using the provided interest rate received from the lease user terminal 100. In the above example, the expected interest income of the leasing company is the interest rate when the interest rate of 8.5% is applied during the total lease term. However, since the lessee wants to lower the offer rate to 2% and succeed the lease to the successor on better terms, the loss of interest equals 6.5% for the lease company. The mediation server 200 calculates the interest loss amount of the leasing company as described above, and calculates the amount of money excluding the residual principal and interest loss amount of the lease vehicle as a refund and transmits it to the lease user terminal 100.

If the market price is lower than the remaining principal and the refund is negative, it can be understood that the successor has to pay more rather than be reimbursed through lease succession. This can be considered a grant from the successor.

The mediation server 200 may calculate and transmit a refund (or support) to the lease user terminal 100 that the lease user will finally receive (or pay). Of course, the mediation server 200 may provide the lessee with the market price applied to the refund and the interest loss information, thereby telling the lessee how much interest loss the lease user should preserve.

After the lease broker server 200 transmits the calculated refund to the lease user terminal 100 (S300), if the lease user agrees to lease succession under these conditions and receives the lease succession entrustment agreement from the lease user terminal 100; (S400), including the monthly fee calculated by applying the offered interest rate to the market price and the payable repayment principal, payable interest, payable residual interest, residual value, and lease vehicle information. The lease succession product may be registered on a website or an application program associated with the mediation server 200 (S500).

By registering a lease successor on a website or application, a number of successor candidates (users who are likely to be successors) can view the lease successor, and the interest rates, market prices, The lease vehicle information may be referred to to determine whether to take over the lease contract. Further, in registering the lease succession product, the lease brokering server 200 may register the above information together so that the successor can check the payment repayment principal, the payment interest interest, and the remaining payment principal information. Therefore, the successor must know how much the total payment is made if he succeeds to the lease, how much is the acquisition fee, how much lease payments are required each month, how much interest and principal do the monthly rent, and how much interest rates You can see clearly. Further, since the vehicle can be leased while paying a significantly lower interest rate than the interest generated in the general lease succession, the demand for lease succession can be greatly expanded.

In addition, the lease succession method according to an embodiment of the present invention is different from the conventional lease succession method is to convert the successive lease agreement to the financial lease based on the market price at the time of lease succession. Therefore, the successor can take over the lease without any initial cost. According to the conventional lease succession method, the successor had to pay the initial cost of the market price minus the remaining principal and the deposit paid by the lessee at the time of the initial lease contract. For example, in a lease contract with a deposit of 20 million won, if the market price (used car quote) of the lease vehicle is 40 million won and the remaining principal is 30 million won, the successor who wishes to succeed the lease contract will receive a deposit (20 million won) + market price. (40 million won)-30 million won, which is equivalent to the remaining principal (30 million won), had to be paid at the initial cost, and the monthly fee for the remaining principal was separately paid. However, according to the lease succession method according to the present invention, the successor does not have to pay the initial cost and only pays the monthly fee to which the offer rate is applied based on the market price. In other words, in case of finance lease, the residual value is set to 0. In the case of operating lease, the lease vehicle information is transmitted to the server of a qualified used car futures company, and the remaining value is set for each contract period received. Can be.

The above-described embodiment is an embodiment in the case of switching over to a financial lease. Hereinafter, an embodiment in the case of switching over to an operating lease will be described with reference to FIG. 2.

Used car futures company 30 that has a contract with the leasing company has the right to purchase the lease vehicle first if the lessee wants to return the maturity, halfway. Used cars that have been terminated with the lease contract can be recovered and processed as desired, such as cash sale, used car installment, used car lease, etc.The lease user has already concluded the lease contract and can intervene in the sales method and terms of sale determined by the used car futures company. none. The transition to financial leasing or operating lease is made by the lessee in making a decision on the sales method, which is different from the general used car lease that a used car futures company makes.

Referring to FIG. 2, when a lease user transfers a lease vehicle to an operating lease, the lease broker server 200 calculates a market price of the lease vehicle, and calculates the market price and lease vehicle information received from the user's terminal. It may be transmitted to the preset used car gift company terminal 30 (S150) where the used car gift company is a company having a used car gift trading qualification, and the qualification and identification information to the lease company 50 and the lease broker server 200 in advance. It may be a registered company.

The used car futures company terminal 30 transmits the future value at the end of the lease term, that is, the residual value, to the leasing company 50 and the lease intermediary server 200 for each contract period by using the information received from the lease intermediation server 200. (S170) This means that, when the lease period expires, the used car futures company has to recover the leased vehicle and pay the residual value to the leasing company when it wants to return the vehicle by selecting the return option from the succession and return options that the successor can select. This is because, since the lease successor may want to change the lease period of the lease succession conditions, the futures company terminal 30 may determine and transmit the remaining value information for each contract period. If the successor chooses to take over, the successor's residual value can be paid to the lessor and accepted.

If the used car futures company 30 abandons a futures contract because the expectation of the future value of the leased vehicle is too low, the lease may be automatically converted to a financial lease, in which case the leasing server 200 may use the used car futures company. Instead of receiving the residual value from the terminal, it is possible to receive a request to switch to the financial lease.

If the residual value information is received from the used car futures company terminal 30 in step S170, the lease broker server 200 calculates the interest loss amount in step 100, as well as the market price and the provided interest rate, as well as the used car futures company. We can calculate the interest loss using the remaining value presented by. In this case, the lease succession product information may further include received residual value information. That is, the successor is to inherit the operating lease, according to an embodiment of the present invention, rather than inheriting the operating lease contract of the lessee as in the prior art, the current market price as the principal, without a deposit, proposed by the lessee The interest rate is newly converted to the residual value set by the used car futures company 30. The loss on the operating lease interest rate required by the lessor for profit is retained through the lessee, ie even if the initial lease contract has a deposit of 20 million won and the lease company 50 has set the residual value to 20 million won. If the used car futures company (30) has set the residual value to 25 million won, the successor shall not pay the deposit under the new contract conditions, and the normal principal (excluding the newly calculated residual value of 25 million won during the lease term). After paying and using a lower lease with the interest rate proposed by the lessee at the price-survival value, it is possible to return the vehicle to the used car futures company 30 at the time of expiration or pay the remaining value of 25 million won.

In addition, the interest rate required by the lease company for the purpose of interest income when converting to an operating lease without a deposit at the currently set residual value, not the remaining vehicle value, the remaining contract period, and the residual value received from the used car futures company (30). The lessee may retain the difference with the interest rate to be provided to the successor to the lease company 50 to attract the successor to a lower interest rate on the current market price. Similarly, even if the successor is most reluctant with a high interest rate, even if the initial contract has a large deposit, it is possible to make a contract without a deposit under the new succession contract, and the lessee may select one of the two operating lease transition methods mentioned above. The lease succession products including the monthly payment repayment principal, the payment interest interest, the remaining payment principal, the residual value, and the lease vehicle information are linked with the intermediary server 200. It may be registered on a website or an application program (S500).

On the other hand, in both the above-described embodiments of the financial lease conversion and operating lease conversion, if the successor who has confirmed the lease succession product on the screen of the successor terminal 300 decides to purchase the lease succession product (to inherit the lease) The successor may transmit a purchase request for the lease succession product to the lease broker server 200 using an input interface (eg, a purchase request button) provided by the successor terminal 300 (S600).

Succession of the lease contract may be considered to be established due to the purchase request of the successor terminal 300. In order to complete the lease contract succession, the settlement of expenses between the lease user, the lease company, the lease successor should be completed, and the lease succession completion method made through an intermediary company (server) will be described with reference to FIGS. 3 to 4.

In the embodiment of FIG. 3, the lease brokerage server 200 may transmit lease succession products, refund information, and successor information to the lease company terminal (S710), and receive an interest loss amount from the lease user (S730). The lease intermediation server 200 may complete the lease succession by remitting the remaining amount excluding the preset brokerage fee from the interest loss amount to the leasing company (S750). In this case, the lessor will pay the lessee directly the difference between the market price and the remaining principal. That is, the embodiment of FIG. 3 is an embodiment in which the lease intermediation server 200 provides only information so as to intervene only in the succession of the lease and settle between the parties.

In the embodiment of FIG. 4, the lease brokering server 200 may determine whether the down payment information is included in the purchase request (S800). As described above, the lease contract inherited to the successor in accordance with one embodiment of the present invention may be reset based on the market price. If the successor wants to pay the down payment and lower the lease, the successor can input the down payment information when transmitting the purchase request through the successor terminal 300.

If the lease intermediation server 200 includes advance payment information in the purchase request, the lease intermediary calculates the monthly payment fee by applying the provided interest rate to the remaining amount excluding the advance payment from the market price (S820). The modified lease succession product and successor information may be transmitted to the leasing company terminal (S840). If the lease company examines this and completes the approval, the lease intermediation server 200 may receive a predetermined first brokerage fee and the down payment from the successor (S860). Next, the lease broker server 200 receives the remaining amount excluding the down payment and the predetermined second brokerage fee from the refund from the lease company (S880), and transfers the remaining amount excluding the preset third brokerage fee from the refund to the lease user. The succession of the lease may be completed (S890).

If the down payment information is not included in the purchase request received from the terminal 300 in which the lease intermediary server 200 is the successor in step 800, the lease intermediation server 200 leases the lease succession product and the successor information generated in step 500. It transmits to the company terminal (S810), and receives a predetermined first brokerage fee from the successor (S830). After receiving the remaining amount of money except the second brokerage fee set in the refund from the lease company (S850), the remaining amount except for the third brokerage fee set in the refund is remitted to the lease user (S870) to complete the lease succession. Can be. The first mediation fee, the second mediation fee, and the third mediation fee may be set differently.

5 is a diagram for one example of inheriting a general operating lease or a long-term rental. The lease broker server 200 receives the lease contract information, the lease vehicle information and the offer rate that the lease user intends to provide to the successor from the lease user terminal (S1000), and calculates a market price of the lease vehicle using the lease vehicle information. (S1100). The lease intermediation server 200 may calculate an interest subsidy of the lessee user except for interest according to the provided interest rate from the interest rate of the current rate applied to the market price (S1200) and transmit it to the lease user terminal (1300).

When the lease intermediation server 200 receives the lease succession entrustment agreement from the leasing user terminal (S1400), the remaining payment cycle monthly rent calculated by applying the provided interest rate to the market price, the remaining payment cycle repayment principal, and the remaining payment cycle differential It is possible to register a lease succession product that includes interest, residual principal of remaining payment series, initially set residual value, and lease vehicle information (S1500).

Compared with the embodiment of FIG. 2, the difference in the embodiment of FIG. 5 is that the interest subsidies are calculated by subtracting the interest according to the interest rate from interest applied to the current market price of the leased vehicle, which is lower than the initial contract. have.

5 may also be applied to the succession of a long-term rental contract. That is, referring to FIG. 5, the mediation server 300 receives rental contract information, rental vehicle information, and a provision rate that the rental user intends to provide to the successor from the rental user terminal (S1000). The intermediary server 300 calculates the market price of the rental vehicle (S1100), calculates and transmits the interest difference between the current interest rate and the provided interest rate on the market price to the renting user terminal (S1200, S1300), and the renting user inherits the rent. If you agree to the consignment (S1400), the remaining payable monthly rent, the remaining payable interest, the remaining payable interest, the remaining payable residual principal, the initially set remaining value and The rental succession product including the rental vehicle information may be registered.

In other words, the scope of the present invention can be interpreted to extend to the rental contract succession method. However, in calculating the interest subsidy in stages 1200 and 1300 during the succession of the rental, the mediation server 300 may calculate the interest subsidy, excluding the car tax and the average monthly auto insurance premium, which reflects the characteristics of the long-term rental contract.

According to an embodiment of the present invention, the lease company may receive interest loss from the lease user, thereby preserving the interest income originally expected in the lease contract. Since leasing companies can preserve interest income, there is no reason to deny the succession of leases. In particular, according to the present invention, both leasing and operating leases can be converted into financial leasing through lease succession. There is an effect that can be reduced. In addition, the present invention has the effect of improving the operating profit of the leasing company.

The lease successor can purchase a used car at a low interest rate without the initial cost as described above, and the acquisition tax is reduced because the acquisition tax is paid at maturity.

A lease successor (a lease user) can be freed from the high amount of penalties incurred upon termination, and can secure the competitiveness of a lease contract by setting succession conditions in accordance with the emergency of termination.

Some embodiments omitted in the present specification may be equally applicable to the same subject matter. In addition, the above-described present invention can be variously substituted, modified, and changed within the scope without departing from the spirit of the present invention for those skilled in the art to which the present invention pertains to the above-described embodiments and attached It is not limited by the drawings.

The lessee may receive the offer rate of the lease vehicle being used from the lease succession server by transmitting the offer interest support amount instead of the offer rate.

10: lease contract succession system
30: used car gift company terminal
50: lease company terminal
100: lease user terminal
200: lease broker server
300: lease successor terminal

Claims (10)

A method in which a lease broker server inherits a lease agreement between a lessee and a lessor to a successor,
Receiving lease contract information, lease vehicle information, and offer rate that the lease user intends to provide to successors from a lease user terminal;
Calculating a market price of a lease vehicle using the lease vehicle information, and calculating an interest loss amount of the lease company according to the provided interest rate;
Calculating a refund amount excluding the remaining principal of the lease vehicle and the interest loss amount from the market price and transmitting the refund to the lessee user terminal;
Receiving a lease succession entrustment agreement from the lease user terminal;
A lease contract succession method comprising the step of registering a lease succession product including the lease vehicle information and the lease vehicle information calculated by applying the provided interest rate to the market price.
The method of claim 1,
Calculating a market price of a lease vehicle using the lease vehicle information, and transmitting the lease vehicle information and the market price to a preset used car futures company terminal;
Receiving a residual value at the end of the remaining lease term for the lease vehicle from the used car futures company terminal;
The interest loss calculation step
Calculating an interest loss amount of the leasing company according to the market price, the received residual value, and the provided interest rate;
The lease succession product further comprises a lease contract succession method.
A method in which a lease broker server inherits a lease agreement between a lessee and a lessor to a successor,
Receiving lease contract information, lease vehicle information, and offer rate that the lease user intends to provide to successors from a lease user terminal;
Calculating a market price of a lease vehicle using the lease vehicle information;
Calculating an interest subsidy of the lessee user excluding the interest according to the provided interest rate from the interest of applying the current interest rate to the market price, and transmitting the interest subsidies to the lessee user terminal;
Receiving a lease succession entrustment agreement from the lease user terminal;
And registering a lease succession product including the monthly fee calculated by applying the provided interest rate to the market price, an initially set residual value, and the lease vehicle information.
The method according to any one of claims 1 to 3,
The lease succession product
A lease contract succession method further comprising a payment-by-payment principal, a payment-by-payment interest, and a payment-by-payment residual principal required to verify the provided interest rate.
The method according to any one of claims 1 to 2,
Receiving a purchase request for the lease succession product from the successor terminal;
Transmitting the lease succession product, information on the difference between the market price and the remaining principal, which the lease company pays to the lease user, and the successor information to a lease company terminal;
And receiving the interest loss amount from the leasing user and remitting the remaining amount excluding the predetermined brokerage fee from the interest loss amount to the leasing company.
The method according to any one of claims 1 to 2,
Receiving a purchase request for the lease succession product from the successor terminal;
Transmitting the lease succession product and the successor information to a lease company terminal;
Receiving a predetermined first brokerage fee from the successor;
Receiving a remaining amount excluding the second brokerage fee preset from the refund from the lease company;
A method of inheriting a lease contract, the method comprising the step of remitting the remaining amount of money except for the third arbitration fee set in the refund to the lease user.
The method of claim 6,
If the purchase request includes advance payment information, correcting the monthly payment information for succession of the lease succession product by calculating the monthly fee applying the provided interest rate to the remaining amount other than the advance payment from the market price;
Transmitting the modified lease succession product and the successor information to a lease company terminal;
Receiving a predetermined first brokerage fee and the down payment from the successor;
Receiving the remaining amount excluding the down payment and a predetermined second brokerage fee from the refund from the lease company;
A method of inheriting a lease contract, the method comprising the step of remitting the remaining amount of money except for the third arbitration fee set in the refund to the lease user.
The method according to any one of claims 1 to 2,
Registering the lease succession product
Calculating the payment repayment principal, the payment interest interest, and the residual payment remuneration principal to be paid by the successor by applying the support interest rate to the market price;
And registering the lease succession product including the calculated payment sequence information.
The method according to any one of claims 1 to 3,
The market price calculation step
Lease contract succession method comprising the step of calculating the market price in consideration of the vehicle sales price in the used car market corresponding to the vehicle type, year, mileage, accident presence of the lease vehicle.
A lease user terminal that receives lease contract information, lease vehicle information, and offer rates that the lease user intends to provide to successors from a lease user and transmits the lease user information to a lease brokering server;
The market price of the lease vehicle is calculated using the lease vehicle information, the interest loss amount of the lease company according to the provided interest rate is calculated, and the refund amount excluding the residual principal and the interest loss amount of the lease vehicle is calculated from the market price. To the lease user terminal, and the monthly fee calculated by applying the provided interest rate to the market price and the repayment principal for the payment cycle, the interest payment for each payment cycle, the remaining principal for each payment cycle, and the lease required to prove the offer interest rate. A lease brokering server for registering a lease succession product including a residual value of the vehicle and the lease vehicle information;
And a successor terminal which displays the lease succession product and receives a request for purchase of the lease succession product from a successor and transmits the request to the lease intermediation server.

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