JP2002298037A - Method and system for mediating rent of private car, rent mediator server, and program for mediating rent of private car - Google Patents

Abstract

PROBLEM TO BE SOLVED: To respond a request for effective use of a private car by an owner and a request for easy and inexpensive rent of a private car by a general person. SOLUTION: In a rent mediator administration network 30, a lender registration is collected from lender terminals 10-1 to 10-n, and stored and registered in a data base server 32. When borrowing conditions for borrowing are sent from a borrower terminal 20-1, lender registration information matching a part or all of the conditions for application shown in the borrowing conditions are retrieved from the data base server 32, and transmitted as a lending information list to the borrower terminal 20-1. The lending information for which lending is requested is selected from the lending information list by using the borrower terminal 20-1. In a rent mediator administration server 31, a request for lending showing borrowing conditions is transmitted from the borrower terminal 20-1 to the lender terminal 10-1 showing the received selected lending information, and a private car is distributed from a lender to a borrower.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for mediating lending and borrowing of a private car owned by a general household or the like, a private car lending brokerage system, a private leasing brokerage server, and a private leasing brokerage program.

[0002]

2. Description of the Related Art As of the end of October 2000, the number of vehicles owned in Japan, including cargo, shared, passenger, and special purpose vehicles (excluding motorcycles), is about 70 million units. The number of passengers has exceeded 50 million. As can be seen in these huge numbers, passenger cars are now transitioning from luxury goods to luxury goods, and even in ordinary households,
It has spread to one household or one person.

[0003]

However, private cars owned by ordinary households (all non-commercial automobiles) are seldom used on weekdays or even on holidays. Is often not used. For example, there are many working people and students among those who have a driver's license, but these people rarely drive their own cars during working hours and class hours on weekdays.

[0004] In addition, many people use public transportation while leaving their private cars at home even when commuting or going to school. This is remarkable in the metropolitan areas where the development and development of the railway network is progressing. In addition to commuting to work, public transportation may be used instead of private cars.

[0005] Furthermore, companies, government offices, schools, and the like are increasingly introducing a two-day holiday system, but not all private holidays use private cars. As described above, at present, private cars have been purchased for a large amount of money and have not been used much.

[0006] However, even in such a situation where the frequency of use is low, the owner of the private car must keep paying compulsory liability insurance, voluntary car insurance, parking fees, annual maintenance inspections and the like, and the like. Was. For this reason, the owner has desired to provide a method that can effectively use the owned vehicle that is infrequently used.

[0007] In addition, when a car is usually left for a long time, not only does the engine load deteriorate, but also overhaul may be required due to deterioration of gasoline, engine oil and the like. For this reason, it is desirable that the automobile be constantly driven by the engine.

[0008] By the way, there is a car rental company that lends cars. The rental car operator had to pay for the company's operating expenses, personnel expenses, vehicle maintenance expenses, etc. from the rental fee paid by the lessee. For this reason, the rental car company cannot set the rental fee lower than the amount necessary for securing each expense and the like.

[0009] In addition, a rental car company usually owns a rental vehicle for each business office, and the number of vehicles owned is related to the size of the site of the business office. That is, the sales office owned the number of vehicles according to the area of the site that would be the parking space. For this reason, the number of units that can be lent was naturally limited. Therefore, the borrower may not be able to rent the desired vehicle type at the date and time when the rent is desired.

[0010] In addition, the rental car company, rental cars,
Multiple classes (for example, S class, M class, L class, etc.) based on displacement and specifications (sports type, family type, wagon type, truck, etc.)
The rental fee was set for each of these classes. For this reason, the borrower can only specify the class, not the specific car name or model, when applying for the rental.

Also, when renting a rental car, after going to the office and performing predetermined procedures, a rental vehicle parked in the office must be borrowed. Therefore, as a borrower, before renting a car,
Since it is necessary to go to the sales office and perform the prescribed procedure,
It was troublesome.

[0012] In addition to the rental car company, there is a dealer (vehicle dealer) as a company that provides vehicles. The dealer acquires and manages information (sales vehicle information) on all the sold vehicles and purchasers when the vehicles are sold. On the other hand, sales competition between automobile manufacturers and dealers is intensifying due to the increasing number of dealers and increasing demand for private cars. Accordingly, there has been a demand for a proposal of a new service capable of responding to the needs of the purchaser by effectively utilizing the sales vehicle information.

The present invention has been made in view of the above-mentioned circumstances, and responds to a demand for efficient use of a private car by an owner, enables a rental vehicle to be rented at a low cost, and enables a renter and a renter to rent a vehicle. Private vehicle lending intermediation method, private vehicle lending intermediation system, lending and simplification of procedures for the lender, confirmation of vehicles that can be rented, and response to detailed requests from borrowers such as designation of vehicle name and model The purpose is to provide an intermediary server and a private car lending intermediation program.

[0014]

In order to achieve this object, a private car lending intermediary method according to claim 1 of the present invention is provided.
The lending intermediary network collects and stores the private vehicle lending conditions from the plurality of lender terminals by the communication line, and when the lending agent lending conditions are received from the lender terminal, the lending agent A private vehicle lending mediation method of notifying a lending request that requests lending of a private vehicle to a lender terminal that is a transmission source of the retrieved lending condition, by retrieving and retrieving lending conditions that match the lending conditions, When the lending intermediary network receives the borrowing conditions, the borrowing broker network searches for and borrows the borrowing conditions that match part or all of the borrowing conditions from the plurality of lending conditions, and retrieves one or more of the borrowed lending conditions. Is transmitted to the borrower terminal as a borrowing information list, and the borrower terminal receives the borrowing condition selected from the borrowing information list as the borrowing desired condition, and Borrowed which is the source of the lending condition indicated by desired conditions to loan terminal is a method of notifying the loan request.

If the private vehicle lending and brokering method is such a method, a private vehicle with a low use frequency can be used by another person, so that the use frequency can be increased. Therefore, it is possible to efficiently use private cars that are purchased at a high price and continuously paid for maintenance,
In addition, income can be expected.

[0016] In addition, as a renter, the purpose is to increase the frequency of use of a private car owned by the renter, and it is not necessary to set a fee in consideration of management expenses and labor costs at a rental car company. Fees can be kept low. Therefore, as a borrower, the private car can be rented at low cost.

[0017] Further, as for the rented vehicle, the information of the vehicle may be stored in a database, so that the lending broker does not need to secure a parking space for the rented vehicle, and handles a large number of rented vehicles and borrows these. Can be provided to people. For this reason, the borrower can select and rent a vehicle that satisfies the request from the many rented vehicles provided.

A private vehicle lending intermediary system according to a second aspect of the present invention includes a plurality of lender terminals that store private vehicle lending conditions, a lessee terminal that stores private vehicle lending conditions,
The communication line collects and stores lending conditions from a plurality of lender terminals, and when the lending conditions are received from the borrower terminal, searches for lending conditions that match the borrowing conditions from among the plurality of lending conditions. A lending intermediary network for notifying a lending terminal requesting lending of a private car to a lender terminal that is a source of the extracted lending conditions, and a lending brokerage network, When receiving the borrowing conditions, the broker network searches for and borrows the borrowing conditions that match some or all of the borrowing conditions from the plurality of borrowing conditions, and lends one or more of the borrowed lending conditions. Memorized as an information list, the borrower terminal receives the lending information list,
From the received lending information list, a lending condition that the user wishes to borrow is selected as a borrowing request condition, and the lending intermediary network receives the borrowing request condition, and transmits the borrowing condition indicated by the received borrowing request condition. It is configured to transmit a lending request to a certain lender terminal.

If the private car lending intermediary system is configured as described above, the private car owned by a general person can be lent to another person, and the use frequency of the private car can be increased. As a result, it is possible to eliminate the difficulty of starting the engine by leaving it unattended for a long period of time, and it is not necessary to worry that the gasoline and the engine oil may deteriorate and need to be overhauled. In addition, you can earn income by lending a privately-owned car you purchased for a large amount to another person, which will reduce the burden of loan repayment.

Further, the lender includes a desired lending date and time in the lending conditions, so that the lender receives a lending request from a lender who desires a date and time that matches the desired lending date and time. Can be achieved. On the other hand, the borrower can select the rented vehicle after confirming at the borrower terminal data included in the lending conditions, for example, detailed data on the rented vehicle such as the desired lending date and the name of the vehicle.

[0021] Furthermore, since the reservation of the lease of the private car can be made at the terminal owned by the lessee, the borrowing procedure can be simplified. That is, as a lessee, when renting a rental car at a rental car company, it is possible to save the trouble of going to the office and performing a predetermined procedure.

Further, in the private car lending intermediary system according to the third aspect, the lending condition has car name data indicating the car name of the private car, and the lending condition specifies one of the car names. The lending intermediary network has data, and the lending broker network classifies the plurality of collected lending conditions for each vehicle name indicated by the vehicle name data, and when the lending conditions are received, the vehicle having the lending conditions is included in the classification. Selecting a class including the same car name as the car name specified by the name specification data, storing all lending conditions belonging to the selected class as a lending information list,
The stored lending information list is transmitted to the borrower terminal.

If the private vehicle lending intermediary system is configured as described above, the borrower can select the rented vehicle by the vehicle name. For this reason, it is possible to make a reservation by car name which could not be heard in a class reservation made by a conventional rental car company. In other words, the lending intermediary can also respond to detailed requests for rented vehicles from borrowers.

A private vehicle lending and intermediation system according to a fourth aspect of the present invention has a carrier terminal owned by a carrier, and when the lending intermediary network receives a desired borrowing condition from the borrower terminal, the private vehicle lending and intermediation system operates. Is transmitted to the carrier terminal.

With such a configuration of the private car lending intermediary system, a request for transporting a private car from the lender to the borrower can be made directly to the carrier on the private car lending intermediary system. As a result, it is possible to simplify the procedures of the lending broker, the lender, and the borrower.
Further, since the transport company transports the private vehicle to the borrower's home, it is possible to eliminate the need to go to the rental company's office when renting a rental car.

A private car lending intermediary system according to claim 5 has a dealer terminal owned by a private car dealer and a purchaser terminal owned by a private car purchaser.
The dealer terminal creates sales vehicle information on the private cars sold to the purchaser, and the lending brokerage network collects and stores the sales vehicle information from a plurality of dealer terminals via a communication line, and borrows from the borrower terminal. When the conditions are received, the vehicle information matching the borrowing condition is retrieved and retrieved from the plurality of vehicle information, and the dealer terminal, which is the transmission source of the retrieved vehicle information, transmits the private vehicle information. The rental request for lending is notified, and the dealer terminal transmits the notified lending request to the purchaser terminal.

When the private vehicle lending intermediary system is configured as described above, the dealer inputs the information on the sold vehicle and the purchaser acquired at the time of selling the vehicle or thereafter to the dealer terminal as the sold vehicle information, and the lending intermediary agent By accessing the network, the sales vehicle information can be stored and registered in the database of the loan brokerage network.

When the dealer receives a notice from the lending intermediary network at the dealer terminal that a person desiring to borrow the sold vehicle has been found, the purchaser has a notice of the receipt of the notice. Can be transmitted to the user terminal. For this reason, as a dealer,
A service for searching for and arranging a vehicle lending destination can be provided to a vehicle purchaser as a business contact of a lending broker.

Further, as a lender, a lender can request a dealer to lend a purchased vehicle, so that the lender can be recruited. Therefore, the lender needs to use the lender terminal to access the lending broker network. As a result, it is possible to simplify a procedure for a lending intermediary represented by input processing of personal information and the like. Furthermore, as a lending broker, since the dealer can collect the sales vehicle information that is always acquired at the time of sale and make it into a database, it is possible to provide more vehicles to the borrower.

In addition, the lending intermediary management server according to claim 6 collects private vehicle lending conditions from a plurality of lender terminals via a communication line and receives private vehicle lending conditions from the lessee terminal. In the plurality of lending conditions, a lending condition that matches the borrowing condition is retrieved and retrieved, and a lending request requesting lending of a private car is sent to the lender terminal that is the transmission source of the retrieved lending condition. A lending intermediary management server for notifying, when receiving the borrowing conditions, searching for and fetching a borrowing condition that matches part or all of the borrowing condition from a plurality of lending conditions, and Two or more lending conditions are transmitted to the borrower terminal as a borrowing information list, and the borrower terminal receives the lending conditions selected from the lending information list as the borrowing desired conditions. To loan terminal which is the source of the lending condition indicated by the received borrowing desired conditions, it is constituted to transmit a loan request.

If the borrower / broker management server is configured as described above, the lending conditions are collected from the lender terminal, the lending conditions are received from the lender terminal, the lending conditions are searched, and the lending information list and the lending are obtained. Processing such as transmission of a request can be executed by the loan broker management server. Therefore, the lending broker management server has a function of collecting lending conditions, receiving lending conditions, transmitting a lending information list, and the like.
It is possible to meet a request that the lender rents a privately owned vehicle owned by the lender to increase the use frequency and a request that the borrower wants to rent a vehicle by a simple procedure.

The private vehicle lending intermediation program according to claim 7 collects and stores private vehicle lending conditions from a plurality of lender terminals via a communication line, and stores private vehicle lending conditions from a lessee terminal. Upon receipt, a lending condition that matches the borrowing condition is retrieved and retrieved from the plurality of lending conditions, and a lending of a private car is requested to the lender terminal that is the transmission source of the retrieved lending condition. A private car lending intermediation program that causes the lending intermediary network to execute a process of notifying a lending request, and when receiving lending conditions, from a plurality of lending conditions,
Retrieve and retrieve lending conditions that match part or all of the lending conditions, send the retrieved one or more lending conditions to the lender terminal as a lending information list, and at the lender terminal, A configuration in which a lending condition selected from among them is received as a desired lending condition, and a process of transmitting a lending request to a lender terminal which is a transmission source of the lending condition indicated by the received desired lending condition is performed by the lending intermediary network. There is.

When the private vehicle lending intermediation program has such a configuration, collection of lending conditions from the lender terminal, reception of lending conditions from the lender terminal, retrieval within the lending conditions,
In addition, it is possible to cause the lending broker network to execute processing such as transmission of the lending information list and the lending request. For this reason, the private car lending intermediation program can provide the lender with a private car lending service with easy procedures and low rent in cooperation with the computer.

[0034]

Embodiments of the present invention will be described below with reference to the drawings. [First Embodiment] First, a first embodiment of a private car lending intermediation method, a private car lending intermediation system, a leasing intermediary server, and a private car lending intermediation program of the present invention will be described with reference to FIG. FIG. 1 is a block diagram showing the configuration of the private-use car lending intermediary system of the present embodiment.

As shown in FIG. 1, the private vehicle lending intermediary system 1 comprises a lender terminal 10-1 to 10-n, a borrower terminal 20-1 to 20-n, and a lending intermediary network 3.
0 and a communication line 40. Here, the lender terminals 10-1 to 10-n are information processing devices possessed by a person who has performed lender registration (lender registrant).

The lender registration is performed for the purpose of lending a privately owned car to another person. In addition, lender registration,
This is performed by inputting predetermined items on the member registration page displayed by accessing the lending broker management server 31 from the lender terminals 10-1 to 10-n. However, registration of the lender requires payment of a registration fee.

In the present invention, the private vehicle means a vehicle other than a business vehicle. However, the invention can also be directed to commercial vehicles, for example, for cargo, for riding and for special applications. Also, for private cars,
In addition to passenger cars owned by ordinary households, passenger cars owned or used by companies and shops and the like can be included.

The borrower terminals 20-1 to 20-n are information processing devices possessed by the person who has performed borrower registration (borrower registrant). The borrower registration is performed for the purpose of borrowing a private car lent from the lender.

The borrower registration is performed by the borrower terminal 20-1.
This is performed by inputting predetermined items on the member registration page displayed by accessing the lending brokerage management server 31 from .about.20-n. However, in the lessee registration, the lessee may be allowed to pay a registration fee.

In FIG. 1, the lender terminal 10-
1 to 10-n and the borrower terminals 20-1 to 20-n are respectively constituted by different terminals, but there is no need to use separate terminals, for example, the lender terminals 10-1 to 10-n One or more of these terminals and the borrower terminals 20-1 to 20-20
One or more of -n may be the same information processing device.

Further, the lender terminals 10-1 to 10-n and the borrower terminals 20-1 to 20-n are not limited to information processing devices represented by personal computers, notebook personal computers and the like. A mobile phone, PHS, PDA, or the like that can be browsed may be used.

The loan broker network 30 includes a loan broker management server 31, a database server 32,
And a WWW server 33. The loan brokerage management server 31 manages the member registration of the lender and the borrower.
That is, the lender registration or the borrower registration is performed by sending the registration information from the lender or the borrower to the database server 32 and storing the same.

Also, when receiving the borrowing application page transmission request from the borrower terminals 20-1 to 20-n, the lending intermediary management server 31 sends the transmission request to the WWW server 33 to send the borrowing application page. To the borrower terminals 20-1 and 20-2
0-n. Further, the loan brokerage management server 31 performs authentication using a password from the loan brokerage management server 31.

In the present invention, a password is used for authentication. However, the present invention is not limited to a password. For example, data that can be authenticated, for example, information is encrypted and decrypted using a public key. Can also.

When the borrower / broker management server 31 receives the borrowing conditions from the borrower terminals 20-1 to 20 -n, the borrower / brokerer management server 31 checks out the lending conditions indicated by the lender registration information stored in the database server 32. , And retrieves and retrieves those that match part or all of the borrowing conditions. Then, the lender registration information indicating the extracted lending conditions is sent to the database server 32 as a lending information list and stored.

Further, the loan brokerage management server 31
The desired borrowing conditions from the borrower terminals 20-1 to 20-n are sent to the database server 32 and stored therein. Then, to the lender terminals 10-1 to 10-n indicated by the borrowing request conditions,
Send the loan request and borrowing conditions.

The lending request is sent to the lender terminals 10-1 to 10-
n is a command requesting that the private vehicle be delivered to the borrower of the borrower terminals 20-1 to 20-n. This lending request can include, as a message, a message indicating that the private vehicle will be delivered to the borrower possessed by the borrower terminals 20-1 to 20-n. This message is sent to the lender terminal 10-1.
It is displayed on the screen in the range of 10 to 10-n.

The delivery of the private vehicle from the lender to the borrower can be performed by a transportation company, a lending brokerage company, or the like.
In addition, lenders may hand over directly to borrowers,
The borrower can go to the lender.

The database server 32 stores the lender registration information, the borrower registration information, the authentication password, the borrowing conditions, the borrowing information list, and the borrowing desired conditions. The lender registration information includes the name, address, contact telephone number,
Includes membership number and lending conditions.

The lending conditions include the period during which a private car can be rented, the time period during which it can be rented, the desired rental fee (can be set in hourly, daily, weekly, monthly, etc.), delivery location, transfer account number, and transfer agency request (Data indicating whether to request a transportation company or a dealer to pick up a rented vehicle and deliver it to a lessee), information on a private vehicle, and the like. Further, the information regarding the private vehicle can include, for example, a vehicle name (vehicle name data), a vehicle type, a purchase date, a mileage, a vehicle verification holder, and the like.

The borrower registration information can include the name, address, contact telephone number, member number, and the like of the borrower.
This borrower registration information can include borrowing conditions.
The authentication password is used when authenticating passwords from the borrower terminals 20-1 to 20-n.

The borrowing conditions include, as data, a desired car name (vehicle name designation data), a desired car type, a desired borrowing period, a desired borrowing time zone, a desired delivery place, etc. of the private car. The lending information list is stored in the lending intermediary management server 31 from the lending conditions stored in the database server 32.
Lending conditions that match part or all of the borrowing conditions are extracted, and are created as a list of the extracted lending conditions.

The lending information list is transmitted from the lending intermediary management server 31 to the borrower terminal 20- via the communication line.
1 to 20-n and displayed on the screen. The borrowing request condition refers to one selected from the borrowing information list received and displayed by the borrower terminals 20-1 to 20-n as the borrowing information indicating the vehicle to be borrowed.

The database server 32 can also store the usage history of the private vehicle lending intermediary system 1, the number of times of access to the lending intermediary network 30, and the result of summing up the membership and lending expenses.

The WWW server 33 includes a member registration screen, a lender registration information input screen, a borrowing application screen search result display screen,
A lending information list screen or the like is posted on a web page, and the lender terminal 10-1 to 10-n or the borrower terminal 20-1 to 20-2.
Send to 0-n. Note that the loan brokerage management server 3
1. The database server 32 and the WWW server 33
It can also be configured as one or two servers.

Further, a mail server (not shown) can be provided in the lending intermediary network 30. By providing the mail server, the lending broker can communicate and notify the lender, the borrower, and the carrier and the insurance company to be described later by e-mail.

As the communication line 40, any conventionally known public line, commercial line or dedicated line can be used.
The communication line 40 is a line that can connect the lender terminals 10-1 to 10-n, the borrower terminals 20-1 to 20-n, and the lender intermediary network 30 wirelessly or by wire. It can be composed of a public line network, a dedicated line network, an Internet line network and an intranet network.

As shown in FIG. 2, the private vehicle lending intermediary system 1 may be provided with a carrier terminal 50. The carrier terminal 50 is owned by a person who carries out the business of transporting a private car from the lender to the borrower. The request for transportation can be made from the lending broker network 30 or from the lender terminals 10-1 to 10-n.

Further, as shown in FIG. 3, the private vehicle lending intermediary system 1 may be provided with an insurance company terminal 60. The insurer terminal 60 is owned by an insurer who pays a repair fee, a compensation fee, and the like when the lender suffers damage due to a failure, damage, damage, loss, or the like of the rented private car according to the premium.

Next, the operation of member registration of a lender in the private vehicle lending intermediation system of this embodiment will be described with reference to FIG. FIG. 11 is an operation procedure diagram showing an operation of member registration of a lender in the private-vehicle lending intermediation system of the present embodiment. In the present embodiment, the lender who owns the lender terminal 10-1 performs member registration.

As shown in the figure, a request for transmitting a member registration page is sent from the lender terminal 10-1 to the lending intermediary network 30 (step 10). In the lending intermediary management server 31 of the lending intermediary network 30 receiving the transmission request, a transmission request for the member registration page is sent to the WWW server 33. In the WWW server 33, a member registration page is transmitted to the lender terminal 10-1 (step 11).

In the lender terminal 10-1, the received member registration page is displayed on a screen, and registration information (lender registration information) is input based on the items described on the display screen (step 12). The rental vehicle registration information includes a rental condition. The input lender registration information is transmitted to the lending broker management server 31 (step 13).

In the lending intermediary agent management server 31 receiving the lender registration information, the lender registration information is sent to the database server 32 and stored. With this storage, the lender is registered (step 14). The member number is issued and transmitted to the lender terminal 10-1 in the lending broker management server 31 whose registration has been confirmed (step 1).
5).

Next, the operation of member registration of a borrower in the private vehicle lending intermediation system of this embodiment will be described with reference to FIG. FIG. 11 is an operation procedure diagram showing an operation of member registration of a borrower in the private-vehicle lending intermediation system of the present embodiment. In the present embodiment, it is assumed that the borrower who owns the borrower terminal 20-1 registers as a member.

When the borrower registers as a member, a request to transmit a member registration page is sent from the borrower terminal 20-1 to the lending intermediary network 30, as shown in FIG. In the lending intermediary management server 31 of the lending intermediary network 30 receiving the transmission request, a transmission request for the member registration page is sent to the WWW server 33.

In WWW server 33, a member registration page is transmitted to borrower terminal 20-1 (step 2).
1). In the borrower terminal 20-1, the received member registration page is displayed on the screen, and based on the displayed contents, the borrower registration information is input (step 22). The borrower registration information may include borrowing conditions.

The input borrower registration information is transmitted to the lending intermediary management server 31 (step 23). In the lending intermediary management server 31, the received borrower registration information is sent to the database server 32 and stored.
With this storage, the lessee is registered (step 2)
4). The member number and password are issued and transmitted to the borrower terminal 20-1 in the loan brokerage management server 31 whose registration has been confirmed (step 25).

For the member registration of the lender and the borrower, instead of registration on the member registration page (web page), it is also possible to use a method in which predetermined items are filled in a registration form and mailed to a lending broker. it can. The web page includes a home page.

Next, a lending application process in the private vehicle lending intermediation system of the present embodiment will be described with reference to FIG. As shown in FIG.
Sends a request for transmission of a borrowing application page for renting a private car to the lending brokerage management server 31 of the lending brokerage network 30 (step 30).

In the lending intermediary management server 31, the received request for transmission of the borrowed application page is sent to the WWW server 33.
Sent to In the WWW server 33, a borrowing application page is created and transmitted to the borrower terminal 20-1 (step 31). In the borrower terminal 20-1, the received borrowing application page is displayed on a screen, and a password is input based on the displayed screen (step 32).

The entered password is stored in the borrower terminal 20.
-1 is transmitted to the lending agent management server 31 (step 33), and authentication using this password is performed (step 34). If it is determined that the password is incorrect as a result of the authentication, a message to input the password again or a message to cancel the application process is sent to the borrower terminal 20-1 and displayed on the screen.

On the other hand, if it is determined that the password is correct, the result is sent to the borrower terminal 20-1 (step 35), and the borrowing conditions for borrowing are input (step 36). The input borrowing condition is changed to the borrower terminal 20-
1 is sent to the lending intermediary management server 31 (step 37).

In the lending intermediary management server 31 having received the borrowing conditions, the borrowing conditions indicated by the borrower registration information stored in the database server 32 are searched for lending conditions that match some or all of the borrowing conditions. Is performed (step 38). As a result of the search, lender registration information having lending conditions that match part or all of the lending conditions is extracted, sent to the database server 32 as a lending information list, and stored.

Then, the rental information list is transmitted to the borrower terminal 20-1 together with the search result (step 3).
9). In the borrower terminal 20-1, the received search result and the lending information list are displayed on the screen. Then, the lender registration information that the user wishes to borrow is selected from the rent information list as borrowing request information (step 40).

The borrowing request information is transmitted to the borrower terminal 20-1.
Is sent to the lending intermediary management server 31 (step 4
1) Then, it is sent to and stored in the database server 32 (step 42). Also, in the lending intermediary management server 31, the lender terminal 10-1 indicated by the lending request information is displayed.
Then, the borrowing request and the borrowing condition from the borrower terminal 20-1 are notified (step 43).

Thereafter, the received lending request and borrowing conditions are displayed on the screen of the lender terminal 10-1 (step 44). Then, the private vehicle specified by the borrowing conditions is delivered from the lender who owns the lender terminal 10-1 to the lessee who owns the lessee terminal 20-1 (step 45).

The delivery of the private car can be performed directly by the lender, can be requested by a transportation company, or can be mediated by a lender. In addition, the rental fee can be transferred by the borrower to the account of the lender or the lender.

Further, the loan intermediary network 3
Processes such as a lender registration process, a borrower registration process, an authentication process, a search process, and an order information transmission process in 0 are executed by a private vehicle lending mediation program. This private car loan intermediation program will be described later.

Further, the lending intermediary network 30, the carrier terminal 50, the insurance company terminal 60 and the dealer terminal 7
0 or from each other, the lender terminal 10-1
Data transmission to the borrower terminals 20-1 to 20-n can be performed by using e-mail.

In the case where electronic mail is used for data transmission, a mail server is provided in the lending and brokerage agency network 30. Note that, instead of the mail server, the loan brokerage management server 31 may have an e-mail function. In the carrier terminal 50, the insurance company terminal 60, the dealer terminal 70, the lender terminals 10-1 to 10-n, and the borrower terminals 20-1 to 20-n, a mail reader or the like that transmits and receives e-mails is used. Will be installed.

If the private vehicle lending intermediation method, the private car lending intermediary system, the leasing intermediary server, and the private car lending intermediation program are configured as described above, the lender will be:
You can use your own private car effectively,
The borrower can easily apply for renting a private car on the web page and borrow at low cost. For this reason, the lending intermediary can meet the lender's request for effective use of the private vehicle and the lender's request for simplifying the lending procedure and reducing the leasing fee.

The objects to be borrowed and leased in the private vehicle lending intermediation system, the private vehicle lending intermediation method, the leasing intermediary server, and the private vehicle lending intermediation program according to the present invention are not limited to private vehicles, but may be other durable vehicles. It may be a consumer good.

The durable consumer goods include upholstery, interior goods, accessories, furniture, bedding, home appliances, audio equipment, musical instruments, baby goods, health appliances and the like. Some of these durable consumer goods allow private cars to be rented for a relatively short period of time, such as hourly or daily, whereas long-term loanable, for example, weekly or monthly.

When the object of lending is a durable consumer product, the lender registration information includes data on each durable consumer product. Further, when the object of the lease is a personal computer, the information on the personal computer includes data such as a model name, a purchase date, a memory capacity, a CPU processing speed, installed applications, and accessories.

Even if the object of lending is a durable consumer product, by lending and borrowing using the private vehicle lending intermediation system of the present invention, the lender requests a more efficient use of the durable consumer product, and Inexpensive borrowing requirements can be fulfilled.

[Second Embodiment] Next, a second embodiment of a private car lending brokerage method, a private car lending brokerage system, a leasing brokerage server, and a private car lending brokerage program of the present invention will be described with reference to FIG. Will be explained.

This embodiment is different from the first embodiment in that
The difference is that the lending conditions are classified in advance. That is,
In the first embodiment, the lending conditions are stored as they are, and those that match the borrowing conditions are searched from among these.
The present embodiment is different in that the lending conditions are classified in advance based on specific data of the lending conditions, and a classification matching the specified conditions from the borrower terminal is transmitted to the borrower terminal. . Other components are the same as in the first embodiment.

Next, the operation of this embodiment will be described with reference to FIG.
This will be described with reference to FIG. FIG. 7 is an operation procedure diagram showing the operation of the private vehicle lending intermediation system of the present embodiment. As shown in the figure, in the loan brokerage management server 31 of the loan brokerage network 30, a database server 32
Are classified based on the data of the loan conditions (step 50). The classified lending conditions are sent to the database server 32 and stored. In the present invention, the lending conditions are classified according to the vehicle name data.

Thereafter, when a request for transmission of the borrowing application page is sent from the borrower terminal 20-1 to the borrowing agent management server 31, the borrowing agent management server 31 transmits the received request for transmitting the borrowing application page to the WWW. Sent to server 33. From the WWW server 33, the borrower terminal 20-
1 is transmitted to the borrowing application page (step 51, step 52).

At the borrower terminal 20-1, the received borrowing application page is displayed on the screen, and the password is entered (step 53). The input password is sent to the lending intermediary management server 31 (step 54).
Authentication using this password is performed (step 5).
5). As a result of the authentication, when it is determined that the password is correct, the result is sent to the borrower terminal 20-1 (step 56). (Steps 57 and 58).

In the lending intermediary agent management server 31 having received the borrowing conditions, of the lending conditions stored in the database server 32, the classification having the same vehicle name as the vehicle name indicated by the vehicle name data included in the borrowing conditions. Is searched (step 59). As a result of the search, when a classification having the same car name as the car name indicated by the car name data is found, all the lending conditions belonging to this classification are taken out, sent to the database server 32 as a lending information list and stored therein. You.

Further, the lending information list is transmitted from the lending intermediary management server 31 to the borrower terminal 20-1 together with the search result (step 60). In the borrower terminal 20-1, the received search result and the lending information list are displayed on the screen. Then, the lender registration information that the user wants to borrow is selected from the rent information list as borrowing request information (step 61).

This borrowing request information is transmitted to the borrower terminal 20-1.
Is sent to the lending broker management server 31 (step 6
2) Further, the data is sent to and stored in the database server 32 (step 63). Also, in the lending intermediary management server 31, the lender terminal 10-1 indicated by the lending request information is displayed.
Then, the borrowing request and the borrowing condition from the borrower terminal 20-1 are notified (step 64).

Thereafter, the received lending request and borrowing conditions are displayed on the screen of the lender terminal 10-1 (step 65). Then, the private vehicle specified by the borrowing conditions is delivered from the lender who owns the lender terminal 10-1 to the lessee who owns the lessee terminal 20-1 (step 66).

Note that the borrower / broker network 30
The processing such as the classification processing, the authentication processing, the search processing, the rental request transmission processing, and the like in the lending conditions are executed by the private vehicle lending mediation program. This private car loan intermediation program will be described later.

If the private vehicle lending intermediation method, the private car lending intermediary system, the leasing intermediary server, and the private car lending intermediation program are configured as described above, the lending information list provided to the borrower may include a plurality of lending conditions. Of these, the rental conditions are defined as the rental vehicles that have the same vehicle name as the vehicle name specified by the vehicle name specification data. You can select the vehicle you want to rent from the vehicles. Therefore, when renting a vehicle, the lessee does not specify the rental vehicle by class in the conventional rental car company,
A rental vehicle can be selected in consideration of more detailed conditions.

[Third Embodiment] Next, a third embodiment of a private car lending intermediation method, a private car lending intermediation system, a leasing intermediary server, and a private car lending intermediation program of the present invention will be described with reference to FIG. Will be explained. FIG. 1 is a block diagram showing the configuration of the private-use car lending intermediary system of the present embodiment.

This embodiment is different from the first embodiment or the second embodiment in that a dealer terminal is provided in the private vehicle loan intermediary system. Other components are the same as in the first embodiment or the second embodiment. Therefore, in FIG. 8, the same components as those in FIG. 1, FIG. 2, or FIG. 3 are denoted by the same reference numerals, and detailed description thereof will be omitted.

As shown in FIG. 8, the private vehicle loan intermediary system 1 has a dealer terminal 70. Here, the dealer terminal 70 is an information processing device of an automobile dealer (dealer), and inputs information (vehicle information) on vehicles sold by the dealer.

The sales vehicle information includes a sales vehicle name, a sales vehicle type,
Data such as the car manufacturer, the date of sale, the name of the purchaser, the address of the purchaser, and the telephone number of the purchaser are included. Further, the sales vehicle information can include rental request data indicating whether the purchaser wants to lend the purchased vehicle.

If the rental request data indicates that the purchase vehicle is to be rented, the sales vehicle information includes, in addition to the name of the sales vehicle, the desired rent date, the desired rent period, the desired rent time zone, and the desired rent time. It can include the rental fee (can be set in hourly, daily, weekly, monthly, etc.), delivery location, transfer account number, whether or not there is a delivery agency, data on private cars, etc.

[0102] Further, the dealer terminal 70 can provide the sales vehicle information to the lending intermediary network 30. In this case, it is also possible to provide only the sales vehicle information having the rental request data indicating that the rental of the purchased vehicle is desired to the loan intermediary network 30.

Further, the dealer terminal 70 can create information on the dealer (dealer information).
The dealer information can include a dealer name, an address, a telephone number, an automobile manufacturer handled by the dealer, and the like.

Although only one dealer terminal 70 is provided in FIG. 4, the number is not limited to one.
A plurality can be provided. The plurality of dealer terminals are referred to as dealer terminals 70-1 to 70-n.

Next, the operation of the private vehicle lending intermediary system of this embodiment will be described with reference to FIG. FIG. 5 is an operation procedure diagram showing the operation of the private-vehicle lending intermediation system of the present embodiment.

When a purchaser purchases a vehicle, the dealer terminal (for example, dealer terminal 70-1) prepares sales vehicle information on the purchased vehicle (step 70), and borrows and leases the rental intermediary network 30. Sent to the broker management server 31 (step 7
1). In the present invention, the sales vehicle information sent to the lending intermediary management server 31 is assumed to be transmitted only with sales vehicle information including rental request data indicating a request for lending a purchased vehicle.

In the lending brokerage management server 31, the received sales vehicle information is sent to the database server 32 and stored therein (step 72). With this storage, the purchaser indicated by the sales vehicle information receives the lender registration as a lender. Then, the loan intermediary management server 3
1, the lessee terminal (for example, lessee terminal 20-
When the borrowing condition is received from 1) (step 7)
3) Vehicle information matching the borrowing conditions is retrieved from the database of the database server 32 (step 74).

This search can be performed, for example, by collating the vehicle name indicated by the vehicle name data included in the borrowing conditions with the vehicle name indicated by the sales vehicle name data included in the sales vehicle information.
Further, in this search, the address indicated by the borrower address data having the borrowing condition is compared with the address indicated by the purchaser address data having the sales vehicle information. It can be excluded from the search.

As a result of the search, when the sales vehicle information that matches the borrowing conditions is found, a rental approval request for approval of the rental of the purchased vehicle is sent to the dealer terminal 70-1, which is the transmission source of the sales vehicle information. , The found sales vehicle information and the borrowing conditions are notified (step 75). In the dealer terminal 70-1 notified of the lending approval request, the sales vehicle information, and the borrowing conditions, a lending approval request is sent to the purchaser indicated by the sales vehicle information (step 76).

This loan approval request can be made by transmitting an e-mail describing the loan approval request to a lender terminal (eg, lender terminal 10-1) of the purchaser. In addition, the buyer is the lender terminal 10-1.
If not, the consent of the rental of the purchased vehicle is requested by mail or telephone.

The lending approval request notified from the lending intermediary management server 31 to the dealer terminal 70-1 and the lending approval request transmitted from the dealer terminal 70-1 to the lender terminal 10-1 are transmitted to both sides. As long as it is stated that the consent of lending the purchased vehicle is required, they may be the same or may differ in terms of text, design, and the like.

At lender terminal 10-1, it is selected whether or not to lend the purchased vehicle based on the displayed lending acceptance request (step 77). The result of this selection is sent to the lending intermediary management server 31 via the dealer terminal 70-1 (step 78, step 79),
The contents of the result are confirmed (step 80).

In this confirmation, if the selection result indicates that the rental of the purchased vehicle is to be accepted, the selection result and the conditions regarding the vehicle rental (vehicle rental conditions) are sent to the borrower terminal 20-1 (step 81). ). The vehicle lending conditions sent to the borrower terminal 20-1 are as follows.
When the consent to lend the purchased vehicle is selected in 0-1, the purchaser (lender) can be input on this screen, or the lending conditions stored in the database can be used in the lender registration. it can.

Then, the received vehicle lending conditions are displayed on the screen of the borrower terminal 20-1 (step 8).
2), whether or not to accept the contents of the vehicle lending condition is selected, and the selection result is transmitted to the lending intermediary network 30 (step 83). The result of the selection is confirmed by the lending intermediary management server 31 (step 84), and if it indicates the acceptance of the contents of the vehicle lending condition, a lending request is issued to the lender terminal 10-1 via the dealer terminal 70-1. Is transmitted (step 85, step 86), and then the purchased vehicle is delivered to the borrower by the lender, lending intermediary company, transport company or the like (step 87).

Note that the lending request notified from the lending intermediary management server 31 to the dealer terminal 70-1 and the lending request transmitted from the dealer terminal 70-1 to the lender terminal 10-1 are both purchased vehicles. May be the same or may differ in terms of text, design, etc., as long as it indicates that a delivery for lending is required.

On the other hand, if the selection result does not indicate acceptance of the contents of the vehicle lending condition in the lending brokerage management server 31, the lending brokerage management server 31 searches for the purchased vehicle information again, and Processing such as notification to (for example, dealer terminal 70-2), acceptance at the lender terminal (eg, lender terminal 10-2), and acceptance at the borrower terminal 20-1 is performed.

If the result of the selection indicates that the rental of the purchased vehicle is not accepted, the vehicle information for sale is searched again in the loan brokerage management server 31. As a result of the search, when sales vehicle information that matches the borrowing conditions is found, a lending request for requesting the lending of the purchased vehicle to a dealer terminal (for example, the dealer terminal 70-3) that is a transmission source of the sales vehicle information. Is notified together with the found sales vehicle information and borrowing conditions.

In the dealer terminal 70-3 to which the lending request, the sales vehicle information and the borrowing condition have been notified, the same processing as the processing in the dealer terminal 70-1 is performed. Note that, when the lending brokerage management server 31 does not find the sales vehicle information that matches the borrowing conditions, a message to the effect that the vehicle information could not be found is transmitted to the borrower terminal 20-1.

In the lending and brokerage broker network 30, the sales vehicle information collected from the plurality of dealer terminals 70-1 to 70-n is classified in advance for each vehicle manufacturer based on the vehicle manufacturer data included in the sales vehicle information. You can keep it. By classifying the sales vehicle information in advance for each vehicle manufacturer, only the sales vehicle information classified into the vehicle manufacturers indicated by the borrowing conditions can be searched in the lending intermediary management server 31. Can be done

Further, the database stored in the database server 32 of the lending and brokerage agency network 30 may be constituted by information on dealers (dealer information) instead of the sales vehicle information. The dealer information can include a dealer name, a car manufacturer handled by the dealer, an address, a telephone number, and the like.

In this case, the loan intermediary management server 31
In the above, when the borrowing conditions are received from the borrower terminals 20-1 to 20-n, the dealer information having the car maker indicating the car maker which matches the car maker indicated by the vehicle name data having the borrowing condition is searched. The borrowing conditions are transmitted to the dealer terminal indicated by the found dealer information.

That is, assuming that the car maker indicated by the borrowing condition is maker A, the borrowing condition is transmitted to all the terminals provided at the dealer who handles the car of maker A. Each of the dealer terminals (for example, dealer terminals 70-4 to 70-n) that have received the borrowing condition searches for the sales vehicle information.

The sales vehicle information obtained as a result of the search is transmitted to the lending broker management server 31. In the loan brokerage management server 31, the received vehicle information is
It is sent to the database server 32 and stored as a rental vehicle candidate.

If there are a plurality of sales vehicle information received by the lending brokerage agent management server 31, the one that best meets the borrowing conditions is selected from these, and the dealer terminal that is the transmission source of the selected sales vehicle information is selected. The rental request is notified to (for example, dealer terminal 70-4). on the other hand,
If there is only one sales vehicle information received by the lending intermediary management server 31, the sales agent information is sent to the dealer terminal (for example, the dealer terminal 70-5) which is the transmission source of the sales vehicle information.
The rental request is notified.

In the case where there are a plurality of sales vehicle information received by the lending intermediary management server 31, the lender terminal (for example, lender terminal 10-3) does not approve the lending of the purchased vehicle. At this time, a vehicle that meets the borrowing conditions is selected again from other rented vehicle candidates, and a lending request is sent to the dealer terminal (for example, dealer terminal 70-5) that is the transmission source of the selected sales vehicle information. Notified.

[0126] The sales vehicle information may also include rental non-desired data indicating that rental is not desired. The sales vehicle information including the undesired lending data is not searched for in the lending intermediary network 30 and the dealer terminal 70. Further, the input of the desired lending data in the dealer terminal 70 can be performed not at the time of purchasing a private car but at the time of a request for input from the lender or the lender terminals 10-1 to 10-n. .

By providing a dealer terminal in the private vehicle lending intermediary system, the dealer inputs the information on the sold vehicle and the purchaser obtained at the time of sale of the vehicle or thereafter to the dealer terminal as sales vehicle information, and enters the loan intermediation. It can be stored and registered in the database of the trader network. Then, when the dealer terminal receives the notification of the lending request from the lending intermediary network, the lending request can be transmitted to the purchaser terminal.

As a result, a dealer can provide a service for searching for and arranging a vehicle lending destination to a purchaser of a vehicle as a business contact of a lending broker. Furthermore, as a lender, by requesting the dealer to lend the purchased vehicle, the lender can be recruited, eliminating the need to use the lender terminal to access the lending broker network. Accordingly, it is possible to simplify a procedure for a lending intermediary company represented by input processing of personal information and the like.

The functions such as lender registration, borrower registration, classification of lending conditions, authentication, search, and lending request transmission of the lending broker network in each of the above embodiments are performed by the private vehicle lending broker stored in the computer. It is realized by a program. This private car lending intermediation program is read by the computer, sends a command to each component of the computer, and performs a predetermined process, for example, a lender registration process, a borrower registration process of the lending intermediary management server, and a rental condition. Classification processing, authentication processing, search processing, lending request transmission processing, and the like are performed. Thus, functions such as lender registration, borrower registration, classification of lending conditions, authentication, search, and transmission of a lending request are realized by the lending brokerage management server in which the private vehicle lending brokerage program and the computer cooperate.

The private car lending mediation program for realizing functions such as lender registration, lender registration, lending condition classification, authentication, search, and lending request transmission is stored in the ROM of the computer. It can be stored in a readable recording medium, for example, an external storage device and a portable recording medium. The external storage device is a CD-RO
M refers to a memory expansion device that incorporates a storage medium such as M and is externally connected to the lending and brokerage agent management server. On the other hand, a portable recording medium is a recording medium that can be mounted on a recording medium drive (drive device) and is portable, and includes, for example, a flexible disk, a memory card, and a magneto-optical disk.

Then, the program recorded on the recording medium is loaded into the RAM of the computer and executed by the CPU. By this execution, the function of the loan brokerage management server of the present embodiment described above is realized. further,
When loading the private car lending intermediation program on a computer, the private car lending intermediation program held by another computer is stored in the
M or an external storage device. This downloaded private car rental brokerage program also
It is executed by the CPU to realize functions such as lender registration, borrower registration, classification of lending conditions, authentication, search, and lending request transmission of the lending intermediary management server of the present embodiment.

The private vehicle lending intermediation system of the present invention may be any combination of the private vehicle lending intermediation systems of the first, second and third embodiments.

[0133]

As described above, according to the present invention, a private vehicle with a low frequency of use can be used by others, and the frequency of use can be increased. Therefore, the lender can efficiently use a privately-owned car that is purchased at a high price and continuously pays a maintenance fee, and can also expect income.

[0134] In addition, by increasing the frequency of use of private cars, it is possible to eliminate the difficulty of starting the engine due to long-term unattended operation, and it is also concerned that gasoline and engine oil may deteriorate and overhaul may be required. Disappears. In addition, you can earn income by lending a privately-owned car you purchased for a large amount to another person, which will reduce the burden of loan repayment.

As a lender, the purpose is to increase the frequency of use of private cars owned by the lender, and it is not necessary to provide management expenses and personnel expenses, etc. unlike a rental car company. For this reason, the rental fee can be kept low. Therefore, the lessee can rent the private car at low cost.

[0136] Further, as for the rented vehicle, since the information of the vehicle may be stored in a database, the lending broker does not need to secure a parking space for the rented vehicle, but handles a large number of rented vehicles and borrows these. Can be provided to people. For this reason, the borrower can select and rent a vehicle that satisfies the request from the many rented vehicles provided.

If the lending conditions are provided with the vehicle name data, and the lending conditions are classified based on the vehicle name data, the lending information list provided to the borrower can be stored in a plurality of lending conditions. Since the rental condition can be configured with a rental vehicle indicating the same vehicle name as the vehicle name specified by the vehicle name specification data, the borrower has the same vehicle name as the already desired vehicle name. From the rented vehicles, a vehicle desired to be rented can be selected. Therefore, the lessee
When renting a vehicle, it is possible to select a rented vehicle in consideration of more detailed conditions, rather than designating a rented vehicle by class in a conventional rental car company.

[0138] Furthermore, the reservation of the lease of the private car can be made at the terminal owned by the borrower, so that the borrowing procedure can be simplified. That is, as a lessee, when renting a rental car at a rental car company, it is possible to save the trouble of going to the office and performing a predetermined procedure.

[0139] Further, by providing a carrier terminal in the private vehicle lending intermediary system, a request for transport of the private car from the lender to the borrower can be made to the carrier by the private car lending intermediation system. . As a result, it is possible to simplify the procedures of the lending broker, the lender, and the borrower. Further, since the transport company transports the private vehicle to the borrower's home, it is possible to eliminate the need to go to the rental company's office when renting a rental car.

Further, by providing a dealer terminal in the private car lending intermediary system, the dealer inputs information on the sold vehicle and the purchaser obtained at the time of selling the vehicle or thereafter to the dealer terminal as the sold vehicle information. Stored in the database of the lending broker network
You can register. Then, when the dealer terminal receives the lending request received from the lending and brokerage agency network, it can transmit the reception to the purchaser terminal. For this reason, as a dealer, a new service for searching for and arranging a vehicle lending destination can be provided to a vehicle purchaser.

[0141] Also, as a lender,
By requesting the rental of purchased vehicles, borrowers can be recruited, and there is no need to use the borrower terminal to access the borrower intermediary network. Procedures for lending intermediaries can be simplified. Furthermore, as a lending broker, since the dealer can collect the sales vehicle information that is always acquired at the time of sale and make it into a database, it is possible to provide more vehicles to the borrower.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of a private vehicle lending intermediation system according to a first embodiment of the present invention.

FIG. 2 is a block diagram showing another configuration of the private vehicle lending intermediation system according to the first embodiment of the present invention.

FIG. 3 is a block diagram showing still another configuration of the private vehicle loan intermediation system in the first embodiment of the present invention.

FIG. 4 is an operation procedure diagram showing an operation of member registration of a lender in the private vehicle lending mediation system of the first embodiment of the present invention.

FIG. 5 is an operation procedure diagram showing an operation of member registration of a borrower in the private vehicle lending mediation system of the first embodiment of the present invention.

FIG. 6 is an operation procedure diagram showing a procedure of a lending procedure in the private vehicle lending intermediary system of the first embodiment of the present invention.

FIG. 7 is an operation procedure diagram showing a procedure of a lending procedure in the private vehicle lending intermediary system of the second embodiment of the present invention.

FIG. 8 is a block diagram showing a configuration of a private vehicle lending intermediation system according to a third embodiment of the present invention.

FIG. 9 is an operation procedure diagram showing a procedure of a lending procedure in the private vehicle lending intermediation system of the third embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Private-car lending intermediary system 10-1-10-n Lender terminal 20-1-20-n Tenant terminal 30 Lending intermediary network 31 Lending intermediary management server 32 Database server 33 WWW server 40 Communication line 50 Carrier terminal 60 Insurer terminal 70 Dealer terminal

Claims (7)

[Claims] 1. A lending intermediary network collects and stores lending conditions for a private vehicle from a plurality of lender terminals via a communication line, and receives the lending conditions for the private vehicle from a lender terminal. From among a plurality of lending conditions, a lending condition that matches the borrowing condition is searched for and extracted.
A private car lending intermediary method for notifying a lending request for lending the private car, wherein the lending intermediary network, when receiving the lending conditions, from among the plurality of lending conditions, the lending conditions. Search and retrieve the lending conditions that match part or all of the lending conditions, transmit the retrieved one or more lending conditions as a lending information list to the borrower terminal, Receiving a loan condition selected from the above as a desired loan condition, and notifying the lending request to a lender terminal that is a transmission source of the loan condition indicated by the received desired loan condition, wherein . 2. A plurality of lender terminals for storing lending conditions of a private vehicle, a lender terminal for storing lending conditions of the private vehicle, and the lending conditions are collected from the plurality of lender terminals by a communication line. And when the borrowing condition is received from the borrower terminal, retrieves and extracts a lending condition that matches the borrowing condition from the plurality of lending conditions, and A lending terminal that is a transmission source of the leasing terminal, and a lending intermediary network that notifies a lending request that requests lending of the private vehicle. Upon receipt, from the plurality of lending conditions, a lending condition that matches part or all of the borrowing conditions is searched and retrieved. Stores two or more lending conditions as a lending information list, the borrower terminal receives the lending information list, and selects a lending condition desired to be borrowed from the received lending information list as a borrowing desired condition. The lending broker network receives the desired lending condition, and transmits the lending request to a lender terminal that is a transmission source of the lending condition indicated by the received desired lending condition. Mediation system. 3. The lending condition includes vehicle name data indicating a vehicle name of the private vehicle; the borrowing condition includes vehicle name designation data designating one of the vehicle names; A supplier network classifies the plurality of collected lending conditions for each of the vehicle names indicated by the vehicle name data, and, when receiving the borrowing conditions, among the classifications, the vehicle name having the borrowing conditions. Selecting a class including the same car name as the car name specified by the specified data, storing all lending conditions belonging to the selected class as the lending information list, and storing the stored lending information list in the borrower terminal The private vehicle lending intermediary system according to claim 2, wherein the system is transmitted to a private vehicle lending / borrowing system. 4. A transport request that has a transporter terminal owned by a transporter, and wherein the lending intermediary network receives a request for borrowing from the borrower terminal, and requests a transport of the private vehicle. 4. The transmission to the carrier terminal.
Private car lending intermediary system as described. 5. A private terminal owned by a dealer of the private car, and a purchaser terminal owned by a purchaser of the private car, wherein the dealer terminal sells the private car sold to the purchaser. When the vehicle information is created, the lending intermediary network collects and stores the sales vehicle information from a plurality of dealer terminals via a communication line, and when the lending condition is received from the lender terminal, Lending for requesting lending of the private vehicle to a dealer terminal that is a transmission source of the retrieved sales vehicle information, from among a plurality of sales vehicle information, searching for and extracting sales vehicle information that meets the borrowing conditions. A request, and the dealer terminal transmits the notified lending request to the purchaser terminal. 4 private car loan intermediation system described. 6. A communication line for collecting private vehicle lending conditions from a plurality of lender terminals, and, when receiving the private vehicle lending conditions from a lessee terminal, from among the plurality of lending conditions, A lending brokerage management server that searches for and retrieves lending conditions that match the borrowing conditions, and notifies a lender terminal that is the source of the retrieved lending conditions to a lending request that requests lending of the private vehicle. When the borrowing conditions are received, the borrowing conditions that match some or all of the borrowing conditions are searched and retrieved from the plurality of borrowing conditions, and the retrieved one or more lending conditions are retrieved. Is transmitted to the borrower terminal as a borrowing information list, and at the borrower terminal, a borrowing condition selected from the borrowing information list is received as a borrowing desired condition, Balance intermediary management server of the received to the lending business terminal which is the source of the lending condition indicated by borrowing desired conditions, and transmits the rental request. 7. A communication line for collecting and storing lending conditions for a private vehicle from a plurality of lender terminals, and when receiving the lending conditions for the private vehicle from a borrower terminal, the plurality of lending conditions for the private vehicle are determined. From among them, a process of searching for and extracting a lending condition that matches the borrowing condition, and notifying the lender terminal that is the source of the extracted lending condition of a lending request that requests lending of the private car is performed. A private-vehicle lending intermediation program to be executed by an intermediary network, wherein when the borrowing conditions are received, from the plurality of borrowing conditions, a lending condition that matches part or all of the borrowing conditions is searched. Taking out, and transmitting the taken out one or more lending conditions as a lending information list to the borrower terminal; The lending condition selected from among the received lending conditions is received as a desired lending condition, and the lending intermediary network executes a process of transmitting the lending request to a lender terminal that is a transmission source of the lending condition indicated by the received lending request condition. Private car loan brokerage program characterized by the following.