JP2004005238A - Financial information processing system and method, and financial information processing program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To realize a fair transaction by computing a remaining value based on a market price investigated via a communication network, in a technique about an installment transaction, that is, a financial information processing system and method and a financial information processing program. <P>SOLUTION: A market price investigation part 3 investigates market prices of an automobile in a given time cycle with the use of the Internet N or another communication network N2 to predict and compute a remaining value at the end of the installment plan. The market price is investigated from model-by-model successful bid data at a business exchange via the used car transaction network N2. According to the remaining value predicted and computed by the market price investigation part 3, an information providing part 2 displays on a client system C at least either the remaining value or a guaranteed purchase price at which the purchaser has the option of making the merchandise purchased at the end of the installment plan, in dependence on a request from the client system C and a model and the number of installments selected by the client system C. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a technology relating to installment payment transactions, that is, a financial information processing system and method, and a financial information processing program for realizing fair transactions.
[0002]
[Prior art]
2. Description of the Related Art In recent years, with the development of economic and financial transactions, installment transactions of relatively expensive products have become common, and a typical example thereof is an auto loan for automobiles. In conventional auto loans, terms and methods differ depending on the business operator, but a predetermined price (tentatively called "residual value") such as residual value and purchase guarantee price is contracted in advance at the time of contract and the amount excluding the residual value At the end of the installment, the buyer chooses whether to purchase the product in one lump sum, purchase the product at a predetermined counterpart such as a dealer, or use the product while paying the installment again at the end of the installment I do.
[0003]
In the conventional auto loan, the residual value as described above is led only by a direct sales person such as a dealer or an automobile manufacturer, and is determined by itself as a purchase guarantee price for self-purchase. In this case, the buyer's rights can be considered as a type of put option (departure option) in derivatives (financial derivatives) because the buyer can freely choose whether or not to request the purchase when the deadline expires. it can.
[0004]
[Problems to be solved by the invention]
However, the residual value in the prior art as described above is set by a direct sales person such as a retailer for the purpose of promoting sales, and for example, the residual value is determined at a predetermined fixed ratio with respect to a new car price. It was not intended to accurately reflect the prevailing market price. Therefore, at the time of exercising the option as well as at the time of the installment contract, there is a large tendency to deviate from the prevailing market price, and there has been a problem that fair trading is difficult.
[0005]
For example, if the residual value is too high, the initial sales will be good, but if the market unexpectedly drops at the end of the actual installment, all buyers will exercise the option. As a result, there has been a problem that a purchaser such as a retailer may purchase the product at a high price, and risk a huge loss from the actual price. In addition, in the past, all of these risks were fixed to the dealer or the car maker who became the purchasing party, and it was difficult to diversify the risks.
[0006]
Conversely, if the residual value is too low, buyers who are not convinced of the residual value ignoring the prevailing market prices will have to forgo the purchase opportunity, while dealers and manufacturers will suffer losses such as poor sales and wasteful promotion costs. There was a problem suffering. Furthermore, if the residual value is too low compared to the prevailing market price at the end of the installment payment, the exercise of the option is meaningless, and there is a problem that any buyer has the risk of having to take all the disadvantages of the prevailing market price, Dividing this risk was also difficult.
[0007]
Further, the prior art as described above has a problem that only a part of dealers with established credit can implement the method because prior guarantee of the purchase price is an essential condition.
[0008]
SUMMARY OF THE INVENTION The present invention has been proposed to solve the above-mentioned problems of the prior art. It is an object of the present invention to provide a method for fair payment in a technology relating to installment payment transactions, that is, a financial information processing system and method, and a financial information processing program. It is to realize.
[0009]
Further, another object of the present invention is to realize a fair transaction by calculating a residual value based on a prevailing market price surveyed via a communication network in a technique relating to an installment transaction.
[0010]
Another object of the present invention is to facilitate risk diversification relating to residual value in a technology relating to installment payment transactions.
[0011]
[Means for Solving the Problems]
In order to achieve the above object, an invention according to claim 1 is a financial information processing system which accepts a product purchase application by installment payment from a client system via a communication network as a server system, according to a combination of a product type and the number of divisions. Storage means for storing in advance the guaranteed purchase price of the commodity at the end of the installment payment, and the purchase guarantee price according to the type of the commodity and the number of divisions selected from the client system at the time of the application from the storage means. Means for reading and displaying on the client system.
[0012]
According to a ninth aspect of the present invention, the invention of the first aspect is grasped from the viewpoint of a method. In a financial information processing method in which a server system accepts a product purchase application by installment payment from a client system via a communication network, the type of product and In accordance with the combination with the number of divisions, the guaranteed purchase price of the product at the end of the installment payment is stored in advance in the storage means, and the type of the product selected from the client system and the number of divisions at the time of the application are determined. The method further includes a step of reading the guaranteed purchase price from the storage unit and displaying the same on the client system.
[0013]
In these aspects, by utilizing a computer communication network such as the Internet, a general-purpose client system such as a personal computer (personal computer) or a mobile phone terminal having a network connection function such as i-mode (trademark) can transmit IP (Internet Protocol) or the like. Through the globally standardized communication lines and protocols, it is possible to apply for an installment purchase at any time, from anywhere, at low cost, thereby effectively promoting sales.
[0014]
According to a second aspect of the present invention, in the financial information processing system according to the first aspect, at a predetermined time before the end of the installment payment, the purchase guarantee is provided at the end of the installment from a client system used by the purchaser via a communication network. There is provided a means for selecting whether to purchase the product at a price, to make a new installment payment, or to use the product by lump-sum payment.
[0015]
According to a tenth aspect of the present invention, the invention of the second aspect is grasped from the viewpoint of a method. In the financial information processing method according to the ninth aspect, the method is used by the purchaser at a predetermined time until the end of the installment payment. It is characterized by including a process of selecting whether to purchase the product at the guaranteed purchase price at the end of the installment payment from the client system at the end of the installment payment, or to make another installment payment or use the product by lump-sum payment.
[0016]
In these embodiments, at the end of the installment payment, a choice of purchasing the vehicle or the like at the purchase guarantee price, purchasing in a lump sum payment, or renewing the installment payment and continuing to use it can be made quickly and easily through the Internet web page 24 hours a day. There is an advantage that it can be done at low cost and calmly from anywhere.
[0017]
According to a third aspect of the present invention, in a financial information processing system that accepts a product purchase application by installment payment from a client system via a communication network as a server system, a prevailing market price of the product is investigated using the communication network or another communication network. Means for predicting and calculating the residual value at the end of the installment based on the prevailing market price that has been investigated, and selecting, at least at the time of the application, the purchaser to purchase the product at the end of the installment based on the residual value. Means for displaying a possible purchase guarantee price on the client system.
[0018]
The invention of claim 11 is an invention in which the invention of claim 3 is viewed from the viewpoint of a method. In the financial information processing method in which a server system accepts a product purchase application by installment payment from a client system via a communication network, A process of investigating the actual market price of the product using another communication network and predicting and calculating the residual value at the end of the installment payment based on the investigated actual market price, based on the residual value, at least at the time of the application. Displaying a purchase guarantee price on the client system at which the purchaser can select to purchase the product at the end of the installment payment.
[0019]
The invention of claim 14 captures the invention of claims 3 and 11 from the viewpoint of a computer program. By controlling the computer, the client system via the communication network serves as a server system for an installment purchase of goods. In the financial information processing program, the program causes the computer to investigate the prevailing market price of the product using the communication network or another communication network, and at the end of the installment payment based on the surveyed prevailing market price. The residual value is predicted and calculated, and based on the residual value, at least at the time of the application, the purchase guarantee price at which the purchaser can select to purchase the commodity at the end of the installment payment is displayed on the client system. .
[0020]
In these modes, the actual market price is reflected in the residual value through a communication network such as the Internet or a used car trading network, so that the divergence between the residual value and the actual market price at the end of the installment payment is minimized. Is realized. In particular, the more popular models, the higher the residual value that reflects the prevailing market price, and the less the monthly payments other than that, the more effective the car transaction by installment payments.
[0021]
According to a fourth aspect of the present invention, in the financial information processing system according to the third aspect, at the end of the installment payment, the right to select to purchase the product at the purchase guarantee price, or at the end of the installment payment, Means for allowing the purchaser to select, via the client system and the communication network to be used, at the time of or after the application, to sell to a third party as a future at a predetermined price based on the residual value. It is characterized by having.
[0022]
According to a twelfth aspect of the present invention, the invention of the fourth aspect is grasped from the viewpoint of a method. In the financial information processing method according to the eleventh aspect, when the installment payment is completed, the user is allowed to purchase the product at the guaranteed purchase price. To the purchaser, at the time of the application or afterwards, to the client who uses the right to be able to sell or sell the product to a third party as a future at a predetermined price based on the residual value at the end of the installment payment. The method includes a process of making a selection via a system and the communication network.
[0023]
According to a fifteenth aspect of the present invention, in the financial information processing program according to the fourteenth aspect, by controlling the computer, the program can select to purchase the product at the purchase guarantee price at the end of the installment payment, Or, to sell the product to a third party as a future at a predetermined price based on its residual value with the end of the installment payment as a time limit, at the time of or after the application, to the purchaser, the client system used by the buyer and the The selection is made via a communication network.
[0024]
In these embodiments, the purchaser can freely choose between exercising the purchase option at the end of payment or alternatively transferring the goods to a third party in advance in accordance with futures. In other words, the buyer avoids the risk of a future price drop by selling the product to a third party in advance in accordance with the futures, or conversely, does not transfer it and takes advantage of the price increase at the end of payment. You can enjoy. In addition, if a marketer such as a store guarantees purchases, for example, if the market price is expected to decline significantly in the future, the buyer will pay the amount agreed upon by the purchaser, purchase the product as a futures contract, and resell it to a third party before the decline. However, if the payment is paid in advance by the settlement difference, the loss due to the actual large fall can be avoided. Conversely, when a store or the like expects a future high price, if it is purchased from the purchaser as a future in advance, the sales inventory can be preemptively paid without burdening storage costs. In addition, by providing the purchaser with better profits such as the purchase option and the free choice of sale as futures, the purchase guarantee price itself can be set at an appropriate level lower than before. In addition, since resale to a third party as a future can be selected instead of a purchase request by exercising a purchase option for a product, it can be easily applied to all types of vehicles regardless of the creditworthiness of the store.
[0025]
According to a fifth aspect of the present invention, in the financial information processing system according to the third or fourth aspect, at least one of a residual value or a purchase guarantee price at the end of the installment payment is stored in advance according to a combination of a product type and the number of divisions. And a means for displaying at least one of the residual value or the guaranteed purchase price to the client system via the communication network in response to a request.
[0026]
In this aspect, the minimum purchase guarantee price of the vehicle is disclosed to the dealer or the customer using the network according to the current market price, and can be referred to at any time when the vehicle is sold or purchased. Promoted.
[0027]
According to a sixth aspect of the present invention, in the financial information processing system according to the fourth or fifth aspect, there is provided a means for matching a sell request and a buy request inputted for the futures.
[0028]
According to a thirteenth aspect of the invention, the invention of the sixth aspect is grasped from the viewpoint of a method. In the financial information processing method according to the twelfth aspect, a process of matching a sell request and a buy request input for the futures is performed. It is characterized by including.
[0029]
In these modes, since the selling and buying wishes of the futures are matched on the computer to complete the transaction, the speed, accuracy and cost of the transaction are improved. In addition, a method of establishing a transaction is free, such as an auction, a wooden board, a zaraba, and a market making (pricing).
[0030]
According to a seventh aspect of the present invention, in the financial information processing system according to the sixth aspect, there is provided a means for receiving at least one of the selling request and the buying request from the client system via the communication network.
[0031]
In this embodiment, by using a computer communication network such as the Internet, a general-purpose client system such as a personal computer can sell and buy a request from a general-purpose client system such as an IP (Internet Protocol) through a communication line and a protocol that is widely standardized. Quick, easy, accurate, and low-cost application for installment purchases can be made anytime, anywhere, and sales are effectively promoted.
[0032]
According to an eighth aspect of the present invention, in the financial information processing system according to any one of the fourth to seventh aspects, the financial information processing system further comprises means for correcting the residual value on the basis of the established future trading conditions.
[0033]
In this aspect, the residual value based on the current market price or the like at the present time is corrected based on the future price level based on serious future prediction by the purchaser or the like, so that the transaction becomes more accurate and the transaction becomes fair.
[0034]
BEST MODE FOR CARRYING OUT THE INVENTION
Next, embodiments of the present invention (hereinafter, referred to as “embodiments”) will be specifically described with reference to the accompanying drawings. Note that the present embodiment can be realized by controlling a computer with software.Since various specific configurations of hardware and software can be considered in this case, the present invention and the embodiments will be described below. The description will be given using a virtual circuit block that realizes a function.
[0035]
[1. Constitution〕
In the present embodiment, as shown in FIG. 1, a car sold by a store 30 is used as a product, and a product purchase application based on an installment (installment) contract at a credit company 20 is sent from a client system C via the Internet N which is a communication network. This is a financial information processing system (referred to as the present system (S)) accepted as the web server system S, and is operated by the credit company 20. Further, the present embodiment is also applicable to a financial information processing method (referred to as the present method) executed on the present system S, a computer program for realizing the present system S and the present method, and a recording medium on which such a program is recorded. Be grasped.
[0036]
The type of the client system C is not limited, but at least a mobile phone terminal device with a network connection function such as a personal computer (PC), a PDA (Personal Digital Assistant), or an i-mode (trademark) can be used. The communication between each of these client systems C and the present system S is performed via the Internet N. Further, the functions of the present system S can be grasped separately for each virtual circuit block shown in FIG. 1 and operate as follows.
[0037]
[2. Action)
First, in the present system S, a purchaser makes an application for product purchase by installment payment on a web page on the Internet, but the specific form is free. For example, only the system S may be used to complete product information browsing to application. Also, when the purchaser makes a car purchase application on another car sales web server by the dealer 30 and selects installment payment on the screen, the purchaser's web browser jumps to the web page by the present system S. It may be.
[0038]
In the present system S, at least one of the residual value or the purchase guarantee price at the end of the installment payment (these data are collectively referred to as price data) in the price data storage unit 1 in accordance with the type of the product, that is, the combination of the vehicle type and the number of divisions. ) Is stored in advance. Here, the specific contents and relationship between the residual value and the purchase guarantee price can be freely determined, and both may be the same price. May be excluded from the price.
[0039]
In addition, the prevailing market survey unit 3 uses a predetermined time cycle to investigate the prevailing market price of automobiles using the Internet N or another communication network N2 such as a used car trading network, and based on the prevailing market price, the installment payment. At the end, for example, after 24 months, 36 months, etc., the residual value is predicted and calculated. The survey of the prevailing market price is performed, for example, by taking in the model-specific successful bid price data at the exchange between traders via the used car trading network N2. Further, the price data up to that time is corrected, replaced, or stored together with the residual value obtained by the prediction calculation.
[0040]
The information providing unit 2 is selected from the request from the client system C and the client system C at least at the time of the application and at other times based on the residual value predicted and calculated by the prevailing market price research unit 3. According to the vehicle type and the number of divisions, at least one of the residual value or the guaranteed purchase price at which the purchaser can select to purchase the commodity at the end of the installment payment is read from the price data storage unit 1 and displayed on the client system C. Specifically, for example, in a table format, each row may be a product type such as a vehicle type and a body color, and each column may be a residual value according to the number of divisions or the end of installment payment.
[0041]
Then, the buyer who is satisfied with the purchase guarantee price displayed on the client system C makes an application by inputting information into an input form of a predetermined application screen. At this time, the application receiving unit 4 receives a product purchase application by installment payment from the client system C via the Internet N, and the application data such as the applicant's address, name, date of birth, telephone number, place of employment, length of service, etc. It is stored in the application data storage unit 5.
[0042]
For example, when purchasing a 3 million yen car for 36 payments, the residual value of the model at the end of the payment after 3 years is predicted to be 1.2 million yen in advance, and based on this residual value, the minimum purchase guarantee price is 100, for example. If it is calculated as 10,000 yen, the monthly payment amount is determined based on the remaining 2 million yen excluding the 1 million yen.
[0043]
In addition, the sales request etc. receiving unit 6 has a right to select to purchase the product at the purchase guarantee price at the end of the installment payment, or a predetermined price based on the residual value of the product at the end of the installment payment. In the above or after the application, the purchaser is made to select, via the client system C and the Internet N, to sell to a third party as a future (referred to as a sale request). In addition, in addition to the selling request from the purchaser, the receiving unit 6 receives and inputs a request for buying a vehicle from a third party via the Internet N from the client system C.
[0044]
Then, the matching unit 7 establishes a transaction by matching the sell request and the buy request input for the futures. In addition, a method of establishing a transaction is free, such as an auction, a wooden board, a zaraba, and a market making (pricing).
[0045]
In addition to accepting a request for selling or a request for buying via the Internet N, an operator may manually input a terminal from a terminal or another route. Then, the input data of the desire to sell, the desire to buy, and the result of the contract etc. by the above-mentioned matching (collectively referred to as transaction data) are stored in the transaction data storage unit 8.
[0046]
Further, the residual value correction unit 9 corrects the information such as the residual value stored in the price data storage unit 1 based on the conditions for buying and selling the future established by the matching unit 7 as described above. As an example of the amendment, for each vehicle type, number of divisions, and payment end time, the residual value and purchase guarantee price so far are adjusted so that if several recent cases are accumulated, the average value of the contract price will be drawn. Can be considered.
[0047]
Then, the store browsing unit 10 selects the credit company 20 out of the price data stored in the price data storage unit 1, the application data stored in the application data storage unit 5, and the transaction data stored in the transaction data storage unit 8. In response to the inquiry from the client system C of the store 30 via the Internet N, the range set in advance is set.
[0048]
[3. effect〕
As described above, in the present embodiment, by utilizing a computer communication network such as the Internet, a general-purpose client system such as a personal computer (personal computer) or a mobile phone terminal having a network connection function such as i-mode (trademark) can be used to transmit an IP. (Internet Protocol) It is possible to apply for an installment purchase from anywhere at any time for 24 hours at low cost through communication lines and protocols standardized over a wide area such as (Internet Protocol), so that sales are effectively promoted.
[0049]
Further, in the present embodiment, the actual market price is reflected in the residual value through a communication network such as the Internet or a used car trading network, so that the divergence between the residual value and the actual market price at the end of the installment payment is minimized, and the parties are fair. Transaction is realized. In particular, the more popular models, the higher the residual value that reflects the prevailing market price, and the less the monthly payments other than that, the more effective the car transaction by installment payments.
[0050]
Further, in the present embodiment, the purchaser can freely select whether to exercise the purchase option at the end of payment or to transfer the commodity to a third party in advance in accordance with the futures. In other words, the buyer avoids the risk of a future price drop by selling the product to a third party in advance in accordance with the futures, or conversely, does not transfer it and takes advantage of the price increase at the end of payment. You can enjoy. In addition, if a marketer such as a store guarantees purchases, for example, if the market price is expected to decline significantly in the future, the buyer will pay the amount agreed upon by the purchaser, purchase the product as a futures contract, and resell it to a third party before the decline. However, if the payment is paid in advance by the settlement difference, the loss due to the actual large fall can be avoided. Conversely, when a store or the like expects a future high price, if it is purchased from the purchaser as a future in advance, the sales inventory can be preemptively paid without burdening storage costs. In addition, by providing the purchaser with better profits such as the purchase option and the free choice of sale as futures, the purchase guarantee price itself can be set at an appropriate level lower than before. In addition, since resale to a third party as a future can be selected instead of a purchase request by exercising a purchase option for a product, it can be easily applied to all types of vehicles regardless of the creditworthiness of the store.
[0051]
Further, in the present embodiment, the minimum purchase guarantee price of the vehicle is disclosed to dealers and customers using a network according to the market price at that time, and can be referred to at any time when selling or purchasing a vehicle. Sales are effectively promoted.
[0052]
Further, in the present embodiment, since a sale request and a buy request for a future are matched on a computer to complete a transaction, the speed, accuracy, and cost of the transaction are improved.
[0053]
Further, in the present embodiment, by utilizing a computer communication network such as the Internet, a general-purpose client system such as a personal computer can sell and purchase a product through a widely standardized communication line and protocol such as IP (Internet Protocol). Sales can be effectively promoted by allowing quick, easy, accurate and low-cost application for installment purchases anytime, anywhere from 24 hours.
[0054]
Further, in the present embodiment, the residual value based on the current market price or the like at the present time is corrected based on the future price level based on serious future prediction by the purchaser or the like, so that the transaction becomes more accurate and the transaction becomes fair.
[0055]
[4. Other embodiments]
The present invention is not limited to the above embodiment, but includes other embodiments as exemplified below. For example, at a predetermined time until the end of the installment payment, the purchaser may purchase the product at the purchase guarantee price (sale) at the end of the installment from the client system C used by the purchaser via the Internet N (sale), or make another installment payment to purchase the product. The system S may be selected to continue using (extension of the division) or to purchase the product by lump-sum payment.
[0056]
In this way, at the end of the installment payment, the choice of purchasing the vehicle or the like at the purchase guarantee price, purchasing in a lump sum payment, or renewing the installment payment and continuing to use it can be made quickly and accurately through the Internet web page for 24 hours. It has the advantage that it can be done at low cost anytime, anywhere, and calmly.
[0057]
Further, the present invention is naturally applicable not only to vehicles but also to other objects such as office equipment such as personal computers.
[0058]
【The invention's effect】
As described above, according to the present invention, in the installment transaction, a fair transaction is realized by calculating the residual value based on the prevailing market price surveyed via the communication network.
[Brief description of the drawings]
FIG. 1 is a functional block diagram showing a configuration of an embodiment of the present invention.
[Explanation of symbols]
S: Server system
C: Client system
N: Internet
N2: Used Car Trading Network
1. Price data storage
2. Information Provision Department
3. Current market research department
4. Application reception desk
5 ... application data storage
6… Reception desk
7 ... Mating part
8… Transaction data storage
9: Residual value correction unit
10… Reseller reading department
20 ... Shinpan company
30 ... dealer
40 ... Buyer
50 ... Third party

Claims (15)

In a financial information processing system that accepts a product purchase application by installment payment from a client system via a communication network as a server system,
Storage means for storing in advance a guaranteed purchase price at the end of the installment payment in accordance with a combination of a product type and the number of divisions;
Means for reading out the purchase guarantee price according to the type of product and the number of divisions selected from the client system at the time of the application from the storage means and displaying the same on the client system;
A financial information processing system comprising: At a predetermined time until the end of the installment payment, the purchaser is allowed to purchase the product at the guaranteed purchase price at the end of the installment from the client system used by the purchaser via the communication network at the end of the installment, or a new installment payment is performed or the product is used by collective payment. 2. The financial information processing system according to claim 1, further comprising means for selecting whether or not to do so. In a financial information processing system that accepts a product purchase application by installment payment from a client system via a communication network as a server system,
A means for investigating the prevailing market price of the product using the communication network or another communication network, and predicting and calculating the residual value at the end of the installment payment based on the prevailing market price,
Based on the residual value, at least at the time of the application, at the end of the installment payment, a purchase guarantee price that allows the purchaser to select the purchase of the commodity is displayed on the client system,
A financial information processing system comprising: Right to select to have the product purchased at the purchase guarantee price at the end of the installment payment, or to sell the product to a third party as a future at a predetermined price based on the residual value at the end of the installment payment, 4. The financial information processing system according to claim 3, further comprising: means for allowing the purchaser to select via the communication system and the client system used at the time of or after the application. Storage means for storing in advance at least one of a residual value or a guaranteed purchase price at the end of the installment payment according to a combination of the type of product and the number of divisions;
Means for displaying at least one of the residual value or the purchase guarantee price to the client system via the communication network in response to a request,
5. The financial information processing system according to claim 3, further comprising: 6. The financial information processing system according to claim 4, further comprising means for matching a sell request and a buy request input for the futures. 7. The financial information processing system according to claim 6, further comprising: means for receiving at least one of the selling request and the buying request from the client system via the communication network. The financial information processing system according to any one of claims 4 to 7, further comprising means for correcting the residual value on the basis of the established future trading conditions. In a financial information processing method in which a server system accepts a product purchase application by installment payment from a client system via a communication network,
Depending on the combination of the type of product and the number of divisions, the guaranteed purchase price of the product at the end of the installment payment is stored in advance in storage means,
A financial information processing method comprising, upon the application, a process of reading out the purchase guarantee price according to the type of product selected from the client system and the number of divisions from the storage unit and displaying the same on the client system. . At a predetermined time until the end of the installment payment, the purchaser is allowed to purchase the product at the guaranteed purchase price at the end of the installment from the client system used by the purchaser via the communication network at the end of the installment, or a new installment payment is performed or the product is used by collective payment. 10. The financial information processing method according to claim 9, further comprising a step of selecting whether to perform the financial information processing. In a financial information processing method in which a server system accepts a product purchase application by installment payment from a client system via a communication network,
A process for investigating the prevailing market price of the product using the communication network or another communication network, and predicting and calculating the residual value at the end of the installment payment based on the prevailing market market price,
Based on the residual value, at least at the time of the application, at the end of the installment payment, a purchase guarantee price that allows the purchaser to select to purchase the product on the client system is displayed on the client system,
A financial information processing method comprising: Right to select to have the product purchased at the purchase guarantee price at the end of the installment payment, or to sell the product to a third party as a future at a predetermined price based on the residual value at the end of the installment payment, 12. The financial information processing method according to claim 11, further comprising the step of: causing the purchaser to select via the communication system and the client system used at the time of or after the application. 13. The financial information processing method according to claim 12, further comprising a process of matching a sell request and a buy request input for the futures. By controlling the computer, as a server system, from a client system via a communication network, in a financial information processing program for accepting an installment purchase application for goods,
The program is stored in the computer,
Using the communication network or another communication network to investigate the prevailing market price of the product, based on the prevailing market survey, to predict and calculate the residual value at the end of the installment payment,
A program for financial information processing, characterized in that at least at the time of the application, a guaranteed purchase price at which a purchaser can select to purchase a product is displayed on the client system based on the residual value at the end of the installment payment. The program controls the computer,
The right to choose to have the product purchased at the purchase guarantee price at the end of the installment payment, or to sell the product to a third party as a future at a predetermined price based on the residual value at the end of the installment payment, The program for financial information processing according to claim 14, wherein the purchaser is made to select the purchaser at the time of or after the application via the client system to be used and the communication network.

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