JP2004139620A - Purchase information processing mechanism - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To keep existing customers and acquire new customers in a credit card company when used cars are bought and sold. <P>SOLUTION: This purchase information processing mechanism is intended for the conclusion of a sales contract related to a used car and included in a mail-order system. The mechanism includes a database provided with: information relating to the used car subject to the sales contract; and information related to a temporal element for the user of the used car to allow information relating to the used car to be provided to a purchase applicant in order to conclude the sales contract relating to the used car. The mechanism is characterized in that the temporal element is a point of time before the user forms an effective will relating to the sales contract of the used car. <P>COPYRIGHT: (C)2004,JPO

Description

The present invention relates to a used product transaction system including a used car transaction and sales system.

Cars are relatively expensive products, and in most sales transactions, car buyers make loans and make installment payments. In this case, the car loan company enters into a reimbursement contract for the car price with the purchaser, the ownership of the car is reserved by the loan company, and the ownership of the car is transferred from the loan company to the purchaser for the first time with the completion of the loan. It is usually transferred to the so-called (retained title). Before paying off the loan, the purchaser of the car, as a “user” of the car, is responsible for the repayment of the loan, the management of the car, and the responsibility for accidents.

(4) Automobile sales and distribution were usually conducted by sales agents of automakers. Credit companies were sometimes responsible for the financing, but most of the time they used the car dealership's loan because the car dealership was more closely involved with the car manufacturer. It was difficult for external financial institutions such as credit companies and credit companies (hereinafter referred to as "external financial institutions") to enter the financial area and take charge of loans. In addition, even if external finance takes a loan for a car when purchasing a new car, at the time of replacement of a car, customers usually switch to a loan from a car sales company instead of an external finance company. There is a problem that it is not possible to maintain and maintain loan customers.

In most cases, when buying a new car, trade-in to a car dealer or the like, which trades at the time of replacement, or sale to a used car purchase center, is largely up to the sales company.

As a result of analyzing such facts, in order to retain customers who enter into loan contracts in the case of buying and selling used cars, external financial institutions must be involved in the decision to sell and purchase customers' cars. Turned out to be important.

The present invention aims to maintain existing customers and acquire new customers in an external financial company when buying and selling used vehicles.

(4) The present invention aims at involvement of an external financial company in making a decision when a customer sells and purchases a used car.

(4) The strength of external financing companies that have signed loan agreements is that they retain ownership of automobiles owned by customers. In other words, when a customer purchases a car with a loan from an external finance company, the ownership of the car is usually secured and retained by the external finance company until the loan is paid off. Therefore, the external financial company has the inspection information of the automobile used by the customer as the user.

Therefore, a database is constructed based on the vehicle inspection information, and based on a contract with the customer in advance, for example,
(1) After the purchase of a car, after a certain period of time approved by the customer in advance, (2) If the loan repayment of the customer is delayed, the user will use the car as a salable used car. We propose a system to disclose information about a certain car to the public and wait for an offer from a purchaser.

In other words, the present invention is a purchase information processing mechanism included in a mail order system for the purpose of concluding a sales contract for a used car. For the purpose of concluding, it includes a database comprising information on time factors that allow a user of a used vehicle to provide information on a used vehicle to a purchaser of a used vehicle. The present invention relates to a purchase information processing mechanism, which is characterized in that the time point is before the user has formed an intention to make an effect on a sales contract for a used car.

In this context, the temporal element is specifically defined as a vehicle subject to a potential sales contract, and the system informs the public through the system of information on the vehicle used by the user. This corresponds to the start time to be presented. In addition, since a sales contract is a legal act, it is established by agreement between the parties to the contract, but the user's intention is determined to conclude a sales contract for a specific car used by him (effect intention), It is broken down into three stages: the intention to display this intention (display intention), and the specific intention-presenting action (in a narrow sense of intention).

(4) In the present invention, the temporal element related to the start time of the information presentation is characterized in that the user has not made an effect intention to conclude a specific sales contract with respect to the vehicle. The user may present the information of the vehicle to the system according to the present invention and then intend to sell the vehicle used by the user, and in this regard, the system according to the present invention may be used for the used vehicle. It has the effect of promoting sales transactions.

According to another aspect of the present invention, the temporal element may be a point in time when the user has deferred the payment of the loan for the used car a predetermined number of times. In addition, it is desirable that the information on the used car to be bought and sold includes accident history information on the used car.

More specifically, the present invention relates to a purchase information processing mechanism included in a transaction system for the purpose of concluding a sales contract for a used car,
It has a memory for storing information on used vehicles subject to a sales contract and information on due dates associated with a specific date agreed by the user of the used vehicle. After the specified date has passed, the information on used vehicles is used. A mechanism to provide car purchasers with
Regardless of whether or not the user has an intention to effect the sale of a used car, a purchase information processing mechanism having a mechanism for receiving an application for purchase of a used car based on the provided information on the used car. Such is the case.

Further, the present invention is a purchase information processing mechanism included in a transaction system for the purpose of concluding a sales contract for a used car, wherein information on the used car subject to the sales contract and a user of the used car have agreed. A memory for storing date information relating to a specific date, and before the specific date elapses, if the user has at least once delayed payment of a financial obligation on the used vehicle, Based on the mechanism for providing information to a purchaser of a used car and whether or not the user has an intention to effect the sale of the used car, based on the information on the used car provided by the first means, And a mechanism for receiving an application for purchase of a used car.

{Furthermore, in the system according to the present invention, it is more preferable that the memory includes accident history information relating to a used car.

According to the present invention, there is provided a purchase information processing mechanism having a credit evaluation engine for making a memory for storing a user's loan repayment status and for rating and evaluating a user's credit based on the user's loan repayment status. For example, it is possible to make an interest rate change to change the current loan interest rate of the user according to the rating by the credit evaluation engine. By providing such a system, it will be possible to further suppress the separation of loan customers.

The present invention is not limited to the sale and sale of used cars. In this case, the present invention relates to a purchase information processing mechanism included in a transaction system for the purpose of concluding a sales contract for a used product, wherein information on the used product subject to the sales contract and the occupant of the used product are approved. A mechanism for storing date information relating to the specified date, and a mechanism for providing information on used products to those who wish to purchase used products after the specified date has passed. Regardless of whether or not the user has the effect intention, it can be expressed as a purchase information processing mechanism including a mechanism for receiving an application for purchase of a used product based on the provided used product information.

Further, the present invention is a purchase information processing mechanism included in a transaction system for the purpose of concluding a sales contract for a used product, wherein information on the used product subject to the sales contract and the occupant of the used product have agreed. A memory for storing date information relating to a specific date, and before the specific date elapses, if the occupant delays reimbursement of the financial obligation for the used product at least once, A mechanism to provide information to prospective buyers of used goods, and the purchase of used goods based on the information of used goods provided, regardless of whether the occupant has an intention to sell the used goods or not. Can be expressed as a purchase information processing mechanism having a mechanism for receiving an application for a purchase.

中古 In addition, the used goods in this case usually have different ownership from the occupant due to the reservation of ownership.

Action
According to the present invention, a solicitation consultation action for buying and selling is not started when a customer has a desire to sell a car (effective intention) as in the past, but an approach from a purchaser (use of a user) (The presentation of the desired purchase price for the car), the seller, who is the user, indicates yes / no, so that the transaction proceeds smoothly.

Further, according to the present invention, the vehicle can be cashed if the user indicates the intention to approve the trade in accordance with the approach of the purchaser, but this can be understood from the viewpoint of the user. Motivation to express the will of the used car, and can promote the liquidation of used cars.

According to the present invention, an external financial company can be involved when a user makes a decision to buy or sell a used car, so that the external financial company can be surely involved in lending in the financial situation. Is possible. Specifically, the user who is a customer of the loan can be maintained as a continuous client, and a person who wants to purchase a used car by the present system can be acquired as a new loan customer.

According to the present invention, when a customer has an intention to sell a car, a solicitation consultation action for buying and selling does not start, but an approach from a purchaser (presentation of a desired purchase price for a car used by a user). In response, the seller who is the user makes a yes / no statement.

According to this scheme, the following effects can be considered.
(1) Buying and selling of used cars proceeds smoothly.
(2) If the user indicates the intention to approve the transaction, the car can be cashed.
(3) According to the above (1) and (2), the fluidization of used vehicles can be promoted.

Further, according to the present invention, an external financial company can be involved in decision-making for buying and selling a used car. Therefore, in the financial scene, the following advantages are recognized for external financial companies.
(4) It is possible to reliably get involved in financing.
(5) It is possible to maintain users who are credit customers.
(6) It is possible to acquire a purchaser as a new credit customer.

According to the present invention, it is possible to configure a purchase information processing mechanism further having a credit evaluation engine for rating and evaluating the credit of the user by monitoring the loan repayment status of the user. According to this, according to the rating by the credit evaluation engine, it is possible to change the interest rate for changing the current loan interest rate of the user, so that it is possible to further suppress the separation of loan customers.

FIG. 1 is a diagram showing a first embodiment of the present invention, and specifically, is an overall view of a system according to the present embodiment (hereinafter, referred to as “the present system”). In this system, a person 1 who intends to purchase a used car (purchase applicant) 1 accesses a server 3 owned by an external financial company via a communication network 7 such as the Internet. In the server 3, a large amount of information including information on used vehicles for which the external financial company owns the ownership with the ownership retained is registered in the database 8. Among them, only the information on the used car which satisfies the predetermined conditions according to the agreement between the external financial company and the user of the used car is disclosed to the purchaser as a target for sale.

Here, the predetermined condition refers to, for example, the following condition.
(1) Six months before the arrival of each vehicle inspection (2) Loan repayment to an external financial company is delayed twice in a row

In the server 3 of the external financial company, there is provided a selection means 9 for judging whether or not the used car information registered in the database 8 satisfies the above conditions and selecting whether or not to display the information to a purchaser. Is provided.

The server 3 of the external financial company is a user of a used car, and is connected to a computer terminal owned by the user who is a seller according to an offer of a purchaser. If there is a price offer from a purchaser for a specific used car, the external financial company notifies the user 5 to that effect by an appropriate method such as e-mail. If the sales applicant who is the user of the car indicates his / her intention to sell the car in response to the application of the purchaser, the sales contract for the used car is concluded.

FIG. 2 shows a detailed configuration of the server 3 of the external financial company. The server 3 includes a CPU 10, which is a database (vehicle information DB) 11 relating to information on vehicles owned by the external financial company and a user of the vehicle owned by the external financial company. A database (user information DB) 13 relating to information, a database (purchase information DB) 15 concerning a car purchaser, and a database (status information DB) in which information relating to the status regarding the conclusion of a sales contract for a specific vehicle is stored. 17 are connected.

The vehicle information DB 11 of the external financial company is composed of, for example, a management number given by the present system and data of information on the vehicle. The information on the vehicle mainly includes information such as the vehicle name, model, chassis number, and validity period for inspection described in the vehicle verification, as well as the color of the vehicle which is considered necessary for the buyer. Further, the database 11 relating to the information on the vehicle may include information on the owner of the vehicle and information on the user of the vehicle. In this embodiment, it is assumed that the vehicle is owned by an external financial company, but this is not essential. When this system is extended, for example, by the CtoC model, the condition that an external financial company has ownership is not essential.

(4) The user information DB 13 stores the user's attributes (gender, age, automobile purchase history, etc.) as necessary, in addition to the user's name, address, contact information, and other bibliographic items. Further, the user information DB 13 stores a management number given by the present system for the vehicle currently used by the user, and can be linked to the vehicle information DB 11.

The user information DB 13 includes information on an arrival deadline (hereinafter referred to as “publication date”) at which the user starts approving publication of information on the vehicle through the present system for the purpose of selling the vehicle. ing. For example, when a user of a car decides to purchase the car with a loan from an external financial company on January 1, 2000 and starts using the car, if the user starts on July 1, 2002, the present system is used. Considering that it is possible to receive a purchase price notification from a potential purchaser through, the date of publication will be July 1, 2002. After the date of publication, the system will contract for the purchase and sale of vehicles used by the user. (Hereinafter referred to as “target vehicle”), and begin to provide information of the target vehicle to the general public (details will be described later). In the present embodiment, the publication date is described as the arrival date, but instead, the publication date is specified by storing the information on the vehicle start date and a certain number of years in the database 13 for the vehicle user. May be.

According to the general user's psychology, it is roughly at the following timing that a car may be sold or replaced.
(1) Immediately before the date of the first automobile inspection (2) Immediately before the date of the second or later automobile inspection (3) When the loan payment for the automobile is completed In this system, the user of the automobile The major feature is that prior to the formation and display of the intention to sell, a purchaser who has accessed the present system is presented with a specific purchase price, thereby encouraging the user of the vehicle to form and display the intention to sell. In other words, the flow of forming the intention of the buyer / seller to buy the used car → the intention of the car user to sell → This has great economic and social significance. According to such an order of intention, since a specific sale price is presented from the purchaser to the user, the formation of the sale intention is remarkably promoted, and negotiations with the purchaser are possible. Therefore, it is possible to sell a used car at a higher price than a trade-in price in the used car market which has been conventionally performed. Further, from the point of view of the purchaser, if the user is satisfied with the purchase price, the sales contract is concluded, and although potentially, the distribution market of the used car is significantly expanded.

It is desirable that the date of publication be determined in advance when the user makes a loan from an external financial company and purchases a target vehicle in the future. However, it is desirable to postpone or shorten the originally determined publication date in a manner that can be appropriately performed by notification to the operator of the system. The extension of the announcement date may occur in cases such as when attachments are made while using the purchased car or when the user's economic situation makes it difficult to purchase a new car, etc. This could happen if you don't like the car you're using, or if you need immediate cash.
If the loan repayment of the user has been delayed several times due to the loan agreement between the user and the external financial company, the special agreement that the user's vehicle will be announced by this system regardless of the status of the publication date Is also preferable. In such cases, the loss of the vehicle user's time to pay off the loan is usually lost, and this covenant allows the external financing company to cash the vehicle early and minimize the risk of default. It is possible to stop.

(4) The user information DB 13 can also include a price that the user desires to sell on the date of publication (desired selling price). By presenting the desired sale price to the purchaser, the purchaser can select a used car in relation to his own budget, and if the planned sale price is higher than the desired sale price. If you use a used car, the probability of obtaining it will increase.

(4) The purchaser information DB 15 stores information including a price offer of a purchase applicant for a specific car. For example, if a purchaser A presents a price of 5 million yen to a certain car and a purchaser B presents a price of 5.5 million yen, the information specifying the purchaser and the offer price Is stored together with information (for example, a management number of the vehicle given by the present system is preferable) specifying the vehicle to be applied for. As will be described later, the information that “Purchase Applicant A wants to purchase a car for 5 million yen” and “Purchase Applicant B wants to buy a car for 5.5 million yen” are information of the car. The user is notified by an appropriate method such as e-mail or fax. Based on this application, the user decides whether or not to sell the car.

The status information DB 17 in which information on the status regarding the establishment of a sales contract for a specific vehicle is stored stores information indicating the stage of the sales contract for the specific vehicle. In the status information DB 17, information for specifying the vehicle (for example, the management number of the vehicle given by the present system is preferable) is stored as a means for linking to another database. The status regarding the conclusion of the sales contract by the present system is, for example, as follows.
1 Before the publication date has passed 2 After the publication date has passed, no price is presented by the purchaser 3 There is a price presented by the purchaser 4 The user of the car indicates the intention to sell, and the sales contract has not been completed 5 6 Payment completed from buyers, delivery of sold vehicles not completed 7 Delivery of sold vehicles, registration completed (completion of transaction)

The server 3 according to the present system is provided with a selection engine 9 for selectively integrating information on these databases and displaying the information in a form accessible to purchasers. The selection engine 9 has a function of selecting, from each database, items that are useful and displayable for purchasers and presenting them to the purchaser in the form of a list. Examples of functions of the selection engine 9 include the following.
(1) Access the user information DB 13 and obtain the management number of the car whose publication period has elapsed.
(2) Access the vehicle information DB 11 using the management number as a key to specify information on the target vehicle.
(3) The purchaser information DB 15 is accessed to extract the purchaser who has given the highest price to the car and the desired price.
(4) Access the status information DB 17 to obtain the status of the sales contract for the vehicle.
(5) A list DB 18 is created by combining the above information.

(3) FIG. 3 shows an example of a list of automobiles for purchasers provided by the present system. In the server 3 according to the present system, there is a database from which this list is created or a list DB 18 which is a part thereof. The list of vehicles to be sold includes a management number (displayed as “NO”) assigned by the present system, vehicle information, publication date, desired sale price, desired purchase price, and status information. For example, it is shown that the car with the management number 0023 is a black "Benz 500L" made in 1999, and the acquisition price of the new car was 12 million yen. The announcement date of this car is June 30, 2001, and the sale price of the user is 5 million yen, but one of the purchase applicants has requested to purchase for less than 4.8 million yen. The status information indicates that the user is currently considering whether to sell at this price.

On the other hand, the car related to the management number 0024 is a red "Benz 350L" made in 1993, and the acquisition price of the new car was 8 million yen. Has not been offered. Also, the car with the management number 0025 is a white “Crown 2000cc” made in 1998, and the income price of the new car was 6.5 million yen. Since a price of 2.3 million yen has been attached, the fact that a sales contract has been established is displayed as status information.

In the list according to the present embodiment, the desired purchase price of the highest bidder is displayed, and the display is performed regardless of whether the desired purchase price is below or above the desired sale price. However, this is a matter to be selected as appropriate. Instead of the method shown in FIG. 3, a method of listing the desired purchase prices for all the purchasers or a method of not accepting the presentation of the desired purchase price lower than the desired sale price may be adopted.

FIG. 4 shows the relationship between the purchasers A and B using the present system when the purchasers A and B present the purchase request prices of 5 million yen and 5.5 million yen for the vehicle with the management number 0023, respectively. It is a figure showing the process of conclusion of a sales contract.

For example, at a certain point (1), the purchaser A makes an offer for purchase with 5 million yen as the purchase price. As a method of this application, it is possible to use a well-known method in the past, such as a case where A fills in a purchase request sheet prepared by the present system with necessary items and sends it to the operator of the present system. The desired purchase price of 5 million yen is added to the purchaser A as well as the specific information to the item of the purchaser information DB @ management number 0023 along with the specific information, and at the same time, is notified to the user X of the automobile. In addition, information of “5 million yen” is input in the column of the desired purchase price in the list DB. The desired purchase price of A is in line with the desired sale price of X (5 million yen), but X is free with or without consent. For example, if X considers that a higher price application can be expected in view of the actual price of the used car, it is not necessary to give consent. Also, if X wants cash for cash flow or other reasons, he may approve immediately.

Ｘ In FIG. 4, X makes a decision not to accept immediately. Then, at the time of (2), B offered a desired purchase price of 5.5 million yen for the used car. This presentation is input to A and X in the purchaser information DB and the list DB together with a notice by an appropriate method such as an electronic mail. X considers the suggested purchase price presented by B to be appropriate and displays an acceptance of the sale of the used car to the present system. As a result, since the purchase application from B and the consent of X to the used car are completed, the sales contract is concluded, and the debt for payment of the car on B and the delivery and registration transfer of the car on X are generated for the used car. I do.

It is desirable that the approval of X be notified not only to B but also to A. As a result, A knows that the possibility of acquiring the used car has disappeared, and the prepared fund can be allocated to another use.

Also, it is not appropriate to let purchasers keep the funds available forever. Therefore, it is desirable that the user of the vehicle should notify the consent within a certain time period after the purchaser has presented the purchase price. If the vehicle user does not give a valid consent within this time limit, the purchase offer of the purchaser will expire.

When the car user consents to the purchase offer at the desired purchase price of 5.5 million yen presented by the purchase applicant B, the car user X accepts the purchase applicant B's offer. Therefore, a sales contract was concluded between BX for the vehicle used by user X. Due to the establishment of the sales contract, X has an obligation to deliver / register and transfer the target vehicle, and B has an obligation to pay the price. X hands over the car to the logistics agent to fulfill his obligations, and B deposits the money into the account designated by X. When X confirms the payment, the distributor is notified and the distributor delivers the received car to B.

The above is the basic flow. FIG. 5 shows a model in which an external financial company is interposed in buying and selling a used car by the present system. In FIG. 5, the following steps are adopted in order to fulfill the obligations that the BX bears due to the establishment of the sales contract.
(1) X delivers the vehicle to be sold to the logistics company. (2) The logistics company notifies the external financial company that the vehicle has been delivered. (3) The external financial company makes money with B. A reimbursement contract is concluded, and the external financial company deposits the car price for X in place of B.
(4) B repays the price of the vehicle to the external financial company by lump-sum payment or installment payment, etc.

According to this scheme, the car user X can surely expect to receive a deposit irrespective of the funding situation of B, which leads to the safety of this system. The car purchaser B can purchase a used car if there is credibility, even without actual funds. Therefore, it is not necessary to keep the fund until the user of the car gives a consent to the offer for sale, and it is possible to secure the liquidity of the fund. In addition, since an external financial company can be involved in the buying and selling of used cars between BXs, (1) if there is a loan balance of a sold car, it can be subtracted from this to make a deposit in X. (2) A new payment contract can be concluded for B, so that new customers can be cultivated and loan performance can be improved.

FIG. 6 is an overall view of a system according to the second embodiment of the present invention. Unlike the first embodiment, the present system is characterized in that it is linked to the database 6 of the nonlife insurance company. A database owned by a non-life insurance company and related to the present system is a database relating to the accident history of a used car to be bought and sold.

価 格 The price of a used car depends on the type, age, color, etc. of the used car, but at the same time, varies greatly depending on the accident history of the used car. In the system according to the first embodiment, this point cannot be reflected. Therefore, if a car that has caused a serious accident becomes a target for sale, liability for defect guarantee may occur, and the reliability of the entire system May be impaired. Therefore, as shown in FIG. 7, it is necessary to provide, as a part of the present system, a database (accident history database) for storing an accident history concerning a used car to be bought and sold.

Referring to FIG. 2, an accident history database (not shown) should be connected to CPU 10, but it is not necessary that the accident history database itself exist on the server of the system operator. For example, the accident history database itself exists on the server of the nonlife insurance company, and the selection engine 9 may fetch the information as appropriate to create a display for a purchaser.

FIG. 7 is a display screen for a purchase applicant according to the second embodiment. This display screen is almost the same as that of the first embodiment, but a field relating to the accident history is provided at the end. In the field related to the accident history, for example, the content and situation of the accident, the location and extent of the defect caused in the vehicle by the accident, the amount paid by the non-life insurance company, etc. are described, and the value of the accident is reduced. It will be a guide. By providing such an accident history field, as a purchaser, it is possible to present at a more appropriate price, and it is possible to make a purchase decision based on accurate information for a product to be sold. Therefore, the reliability of the present system can be improved.

Next, a third embodiment according to the present invention will be described. This embodiment has the concept of monitoring the payment status of a loan customer (usually a car user) and rating the creditworthiness to reflect the credit rate on the interest rate when the loan customer uses the loan. is there.

FIG. 8 discloses a configuration diagram of a basic system according to the present embodiment. This system configuration is basically the same as that according to the first embodiment of the present invention disclosed in FIG. 1, but is linked to the user information database 13 to provide a loan for the user (loan customer). Of the user (loan customer) according to the point that the repayment status database 31 is provided and the repayment status stored in the repayment status database 31, and reflect this in the loan interest rate of the user. The difference is that a credit evaluation engine 33 is provided. In the third embodiment, the repayment status of the loan customer is monitored, and the credit evaluation engine 33 determines that the creditworthiness of the customer who has continued to repay without delay during a considerable period is determined as “high”. Is reflected in the interest rate and processing that is advantageous to the customer such as the interest rate is performed. Conversely, for a customer whose loan repayment frequency or amount is large, the credit evaluation engine 33 determines that the creditworthiness of the customer is "low" and increases the interest rate or rejects the next loan contract. Is performed.

FIG. 9 shows the data structure of the repayment status database 31. As shown in FIG. 9, the repayment status database 31 includes a customer code or the like, which is information that can specify a customer, and information indicating the repayment status linked to the customer code. The information indicating the repayment status includes, for example, the total loan amount of the customer, the number of payments in installments, the number of payments already made (number of payments), the amount already paid (payment amount), the number of delinquencies (number of delinquencies), delinquency Amount (delinquent amount), etc. are included. The delinquent amount may include an accumulated delinquent amount obtained by accumulating past delinquent amounts and an unpaid amount at present (current delinquent amount).

In addition, in accordance with the payment status, the repayment status database 31 may be provided with an index indicating the customer's superiority. This index is generated by a credit evaluation engine described later.

返 The repayment status of the repayment status database 31 is rated by the credit evaluation engine 33. The basic concept of this rating is as follows.

・ For customers who continue to repay without delay during a considerable period, their creditworthiness is judged to be “high”. This credibility is higher as the repayment period is longer and the repayment amount is larger.
・ Regarding customers whose repayment delinquency frequency and amount are large, the creditworthiness of the customer is determined to be “low”. The lower the creditworthiness is, the shorter the arrears occur or the lower the repayment amount is.
・ Consider the form of delinquency. For example, in the case of a customer who has missed a payment and pays within a few days, the creditworthiness may not be affected because there may be a simple payment mistake, not a problem of financial resources. Conversely, in the case of a customer whose delinquencies continue for several weeks or months, even if the customer has been good in the past, the customer is given a low reputation as the current creditworthiness.
・ If necessary, credit evaluation is performed taking into account attribute information such as the occupation, gender, age, and annual income of the customer. For example, a customer whose occupation is a salaried worker who is over 50 years of age has a relatively low credit rating because there is a high possibility that income will decrease due to restructuring and retirement. If the occupation is a profession or self-employed, income cannot be said to be stable, so even if there have been no cases of repayment in the past, the creditworthiness is relatively low.

判断 A description will be given of the determination of the credit of the customers # 1234-1237 by the credit evaluation engine based on the specific example shown in FIG.

For the sake of comparison, the total borrowing amount of these customers was 2 million yen and the number of divisions was 24. According to this condition, the repayment amount at each time is 100,000 yen in consideration of the loan interest rate, and the lump-sum payment of bonus and the like are not considered at all.

The customer # 1234 has already paid 1.3 million yen for 13 times, and the amount of delinquency is one time (100,000 yen), but this delinquency has now been resolved. For this customer, the fact that there is one delinquency is a negative factor, and the “excellence” representing credit is ranked B.

On the other hand, the customer of customer # 1235 has only paid 200,000 yen twice, and there has been no delinquency, but this level of continuity is not at the stage of evaluating the customer's credit. Therefore, the “excellence” indicating the trust of the customer is “−” indicating undetermined.

顧客 The customer # 1236 has paid 1.8 million yen 18 times, and no delinquency has occurred during this period. Therefore, the “excellence” representing the customer's trust is ranked A. If the customer makes a larger loan after this and the repayment is not delayed, there may be cases where the rank should be further raised to the AAA rank or AAA rank.

顧客 Customer # 1237 should pay 1.3 million yen 13 times, but there are three cumulative delinquencies, of which two are still delinquent. Therefore, the number of payments is 11 and the amount of payment is 1.1 million yen, but such customers are likely to be in arrears in the future and are not excellent customers. Therefore, “excellence” representing credit is ranked as C, and in future loan contracts, a choice is made as to whether to make a contract by raising the interest rate or not to contract.

In the description, the rating is made based on only the repayment status. However, the rating may be made by appropriately accessing the attribute information of the user information database 13.

FIG. 10 shows the data structure of the user information database 13 according to the present embodiment. This user information database 13 is basically the same as that described in the first and second embodiments (however, not shown), but according to the customer, the current interest rate, The feature is that a column for the next scheduled interest rate is provided.

Although not shown, the system according to the present invention in the present embodiment refers to a correlation table between the current interest rate and the next interest rate and discounts or raises the interest rate according to the rating (excellence) by the credit evaluation engine 33. There is an interest rate change mechanism to make it happen. According to the drawing of the interest rate changing mechanism, the customer of the B rank (the customer # 1234) does not change the current interest rate and the next interest rate. For the customer of rank A (customer # 1236), the interest rate is reduced by 20% from the current interest rate of 8.0%, and the next interest rate is scheduled to be 6.4%. In this way, it is possible to continuously inform the customer of the interest rate expected to be paid at the next time to the customer so that the customer can make a loan next time. Further, in FIG. 10, the next interest rate is represented by an absolute value, but may be represented by a relative value such as “$ 20%” (representing minus 20%).

On the other hand, for the customer of C rank (customer # 1237), the interest rate will be raised by 10% from the current interest rate of 8.0%, and the next interest rate will be 8.8%.

As described above, in the third embodiment, a system for monitoring the repayment status of the loan customer and evaluating the customer's superiority to reflect it in the loan interest rate for the next contract is provided. Is the feature. Note that the timing of changing the loan interest rate is not necessarily the time of the next loan contract, and in particular, when discounting the loan interest rate, it is a change that is advantageous to the customer. According to this embodiment, it is possible to provide a service such as refund for the overpaid amount.

In the description of the present embodiment, a used car is described as an example of a target for sale, but the idea of the present invention is not limited to this. For example, the present system can be applied to used condominiums, jewelry, paintings and other movable products, and real estate. In this case, the concept of a "user" of a used car is replaced by the concept of an "occupant" of a used car.

In the description of this embodiment, it is assumed that the external financial company has a server according to the present system, but this is not essential. That is, a server for the present system may be held by a specialized company for operating the present system.

1 is an overall view of a system according to a first embodiment of the present invention. FIG. 2 is an example of a configuration diagram of a server of the system according to the present invention. 5 is an example of a screen displayed to a purchaser according to the first embodiment of the present invention. FIG. 3 is a timeline when a sales transaction is performed using the system according to the present invention. FIG. 4 is a scheme diagram after a sales contract is concluded according to the present invention. It is an overall view of a system according to a second embodiment of the present invention. It is an example of a screen displayed to a purchase candidate according to the second embodiment of the present invention. FIG. 9 is a configuration diagram of a system according to a third embodiment of the present invention. It is an example of the repayment status database according to the third embodiment of the present invention. It is an example of the user information database according to the third embodiment of the present invention.

Claims (8)

A purchase information processing mechanism included in a transaction system for the purpose of concluding a sales contract for a used car,
A memory for storing information on a used car that is the subject of the sales contract and date information concerning a specific date approved by a user of the used car;
First means for providing information on the used car to a purchaser of the used car after the specific date has passed;
Regardless of whether or not the user has an intention to effect the sale of the used car, an application for purchase of the used car is accepted based on the information on the used car provided by the first means. A second means,
A purchase information processing mechanism comprising: A purchase information processing mechanism included in a transaction system for the purpose of concluding a sales contract for a used car,
A memory for storing information on a used car that is the subject of the sales contract and date information concerning a specific date approved by a user of the used car;
Providing the information on the used car to a purchaser of the used car if the user has delayed payment of the financial obligation on the used car at least once before the specific date has passed. The first means,
Regardless of whether or not the user has an intention to effect the sale of the used car, an application for purchase of the used car is accepted based on the information on the used car provided by the first means. A second means,
A purchase information processing mechanism comprising: The purchase information processing mechanism according to claim 1, wherein the memory includes accident history information on the used car. A second memory for storing the loan repayment status of the user;
The purchase information processing mechanism according to claim 1 or 2, further comprising a credit evaluation engine for rating and evaluating the credit of the user based on the loan repayment status. 5. The purchase information processing mechanism according to claim 4, further comprising interest rate changing means for changing a current loan interest rate of said user according to said rating by said credit evaluation engine. A purchase information processing mechanism included in a transaction system for the purpose of concluding a sales contract for used goods,
A memory for storing information on used goods to be covered by the sales contract, and due date information concerning a specific due date approved by the occupant of the used goods;
First means for providing information on the used product to a purchaser of the used product after the specific date has passed;
Regardless of whether or not the occupant has an intention to effect the sale of the used product, an application for purchase of the used product is accepted based on the information on the used product provided by the first means. A second means,
A purchase information processing mechanism comprising: A purchase information processing mechanism included in a transaction system for the purpose of concluding a sales contract for used goods,
A memory for storing information on used goods to be covered by the sales contract, and due date information concerning a specific due date approved by the occupant of the used goods;
Providing the information on the used product to a purchaser of the used product if the occupant has delayed payment of the financial obligation on the used product at least once before the specific date has passed. The first means,
Regardless of whether or not the occupant has an intention to effect the sale of the used product, an application for purchase of the used product is accepted based on the information on the used product provided by the first means. A second means,
A purchase information processing mechanism comprising: 8. The purchase information processing mechanism according to claim 6, wherein the used goods have different ownership from the occupant due to the reservation of ownership.

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