JP2007041871A - Transaction support device and its program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enhance the feelings of mutual agreement and satisfaction of a customer by making it possible to presenting competitive estimates without imposing a large burden on the customer in goods buying and selling or leasing through an installment sales contract, an installment amortization contract and a lease transaction contract. <P>SOLUTION: This transaction support device 1 is provided with an estimate request receiving means 101 for receiving an estimate request including information about goods the customer wants to buy or lease, a first estimate acquiring means 102 for acquiring a first estimate when a dealer sells or leases the goods to the customer, an invoice price acquiring means 103 for acquiring an invoice price when the dealer provides the goods to an agency trader, a second estimate generation means 104 for generating a second estimate with reference to the invoice price, and a first estimate output means 105 and a second estimate output means 106 for outputing the first estimate and the second estimate, respectively to allow the customer to read them. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a transaction support apparatus that can favorably support the buying and selling or lease of goods.

Durable consumer goods such as automobiles, construction machinery, houses, office automation equipment, and personal computers are often bought or sold through installment sales contracts, installment redemption contracts, and lease contracts. Recently, with the spread of information and communication technology, customers who want to purchase or rent durable consumer goods browse the web page on the Internet and select durable consumer goods to estimate monthly payments and rents. Billing online is also becoming common (see, for example, the following patent document).
JP 2003006474 A

  As in the above example, it has already been attempted to increase the appeal of dealers and leasing companies using an online system. However, with the known system, the customer can only receive and view a single quote offered by a particular dealer and must decide from that quote alone whether to contract. In other words, from the customer's point of view, there is always a doubt as to whether the contents of the quotation are sufficiently satisfactory.

  When purchasing or renting relatively expensive durable consumer goods such as automobiles, the customers themselves are also required to consider carefully. It can be said that a phase estimate should be taken if it is perfect, but there is no other way to actually get a phase estimate than to contact multiple dealers individually and request a quote. Therefore, most customers were reluctant to purchase or rent goods according to quotes from specific dealers. In addition, in the current dealer system, sales rights and regional rights for customers are restricted for each vehicle type or model. For this reason, there has never been an opportunity for the customer to compare multiple estimates for a particular vehicle desired.

  The present invention made in view of the above is intended to realize a system capable of presenting a phase estimate without imposing a heavy burden on the customer, and enhancing the satisfaction and satisfaction of the customer and contributing to the improvement of the contract rate. Is.

  In order to solve the above-described problem, in the present invention, as shown in FIG. 1, an installment sales contract, an installment redemption contract, or a lease transaction contract (a lease contract treated as an installment sales contract with ownership reservation, installment purchase with ownership reservation) Supporting transactions involving customers who purchase or rent goods through a dealer who supplies goods, and intermediaries that mediate both, and the customer wishes to purchase or rent Quote request accepting means 101 for accepting a quote request including goods information related to the goods, and a dealer that can supply goods corresponding to the goods information included in the quote request present, the dealer sells or leases the goods to the customer A first estimate acquisition means 102 for acquiring a first estimate, which is an estimate of when the goods are provided, and a dealer capable of supplying the goods provides the goods to the broker Partition value acquisition means 103 for acquiring partition values and second estimate generation for generating a second estimate that is an estimate when the brokerage company sells or leases the goods to the customer with reference to the partition values Means 104; first estimate output means 105 for outputting the first estimate for viewing by the customer; and the second estimate (simultaneously or separately with the output of the first estimate) The transaction support apparatus 1 including the second estimate output means 106 that outputs the data for use by the customer is configured. If this is the case, it is possible to present a phase estimate, i.e., a first estimate and a second estimate, regarding goods to be sold or leased without imposing a heavy burden on the customer. Then, by presenting the first estimate and the second estimate, respectively, it is possible to give the customer an opportunity for comparative study, and to increase the satisfaction and satisfaction of the customer, thereby contributing to the improvement of the contract rate.

  Here, a dealer refers to a person who sells or leases goods to customers and can also provide goods to a brokerage company with a partition price. The dealer is not limited to a distributor (such as a special contract retailer of an automobile manufacturer) that sells goods manufactured by the manufacturer. It does not prevent the manufacturer itself that manufactures goods from becoming a dealer. When the goods are used cars, etc., used car dealers that handle them are dealers. An intermediary operator refers to a person who purchases goods from a dealer at a partition price and sells or leases them to a customer. Typically, this includes auto leasing companies and car sales specialists. However, a financial institution or the like that provides (or lends) credit to a customer may be an intermediary.

  To accept a request for quotation is to receive a request for quotation transmitted from a computer used by a customer, read out a request for quotation stored in a predetermined storage device or storage medium, or via an operation input device This means accepting manual input for quotation requests. Similarly, acquiring the first estimate / partition value means that the first estimate / partition value (information relating to) transmitted from a computer used or managed by the dealer is received in a predetermined storage device or storage medium. It means to read out the stored first estimate / partition value or to accept manual input of the first estimate / partition value performed via the operation input device. In addition, outputting the first quotation / second quotation for viewing by the customer transmits the first quotation / second quotation (information relating thereto) to be delivered to the computer used by the customer. It means to copy output, display on a display screen, or write to a predetermined storage device or storage medium for the purpose of providing to a customer.

  The second estimate should be more favorable to the customer than the first estimate if possible (low interest rate, low payments, long repayment period, large discount on the fixed price or standard retail price of the goods, etc. ) Is preferable. For this purpose, the second estimate generation means 104 refers to the first estimate and the partition value, and if possible, generates a second estimate that is more advantageous to the customer than the first estimate. The second estimate output unit 106 outputs the second estimate when the second estimate generation unit 104 generates a second estimate. This makes it possible for customers to purchase or rent goods under favorable conditions compared to direct contracts with dealers, which is a universal trading practice, and can expect further improvement in the contract rate. From the standpoint of the dealer, it seems that it only brings the disadvantages that prevent direct contracts with customers. However, assuming that the brokerage firm's management power and funding capabilities are secured, the risk of transactions that sell or lease relatively expensive durable consumer goods directly to individual customers can be avoided, and the contract rate is high. Naturally, dealers will also enjoy the benefits of expanding business opportunities and increasing sales. If a financial institution is assumed to be an intermediary operator, it will be possible to expand lending and enter a business that can secure fee income.

  In generating the second estimate, specifically, the second estimate generation unit 104 has set the dealer with respect to an installment liability that accompanies the purchase or rental of the goods included in the first estimate. With reference to the interest rate, an interest rate lower than the interest rate is set.

  The second estimate generating means 104 mediates interest revenue obtained under a base interest rate given for an installment obligation generated by the purchase or rental of the goods, and a transaction in which the customer purchases or leases the goods. If the amount of expected revenue including at least one of the commission revenues related to clerical work is calculated and the interest rate on the installment liability is finalized according to the amount of the expected revenue, the brokerage operator will obtain The interest rate on installment obligations can be adjusted according to the amount of revenue. The reference interest rate is determined artificially or by software processing according to a predetermined calculation formula according to the credit ability of the customer and the like. Fee revenue is earned as, for example, a fee associated with mediating between a customer and a dealer, or a fee associated with trade-in of used goods used by a customer. There is no particular limitation on who (such as customers, dealers, second-hand traders who trade in used goods) bears the fees.

  Further, when generating the second estimate, the second estimate generation means 104 refers to the discount amount or residual value set by the dealer for the goods to be purchased or leased included in the first estimate. Then, a second discount can be generated by setting a higher discount amount or residual value. Alternatively, the second estimate is generated by referring to the trade-in amount set by the dealer for the predecessor goods traded in in exchange for the purchase or lease of the goods and setting a trade-in amount higher than the trade-in amount. May be.

  When the request for quotation including goods information on a plurality of types of goods designated by the customer as a candidate for purchase or rental is received by the request for quotation request 101, the first quotation acquisition unit 102 includes the request for quotation. The first estimate is acquired for each of a plurality of types of goods corresponding to the received goods information, and the partition value acquisition unit 103 acquires the partition value for each of the plurality of types of goods, and the second estimate If the generation unit 104 can generate the second estimate for each of the plurality of types of goods with reference to the partition value (and the first estimate), a plurality of types of goods Each phase estimate can be presented at once, which further enhances convenience for customers.

  When there are a plurality of dealers capable of supplying goods corresponding to the goods information included in the request for quotation, the first quotation acquisition unit 102 acquires the first quotation presented by each dealer, and the first quotation If one estimate output means 105 selects and outputs one of the first estimates that minimizes the payment amount of the customer, bidding by a plurality of dealers is realized, and more for the customer. Advantageous conditions can be extracted from the dealer.

  According to the present invention, it is possible to present a phase estimate for goods to be sold or leased without imposing a heavy burden on the customer. Then, by presenting the first estimate and the second estimate, respectively, it is possible to give the customer an opportunity for comparative study, and to increase the satisfaction and satisfaction of the customer, thereby contributing to the improvement of the contract rate.

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings. First, the overall configuration of the system of this embodiment will be outlined. As shown in FIG. 2, this system includes at least a transaction support apparatus 1 that forms the core of the system, a computer 2 that is used by a customer, and a computer 3 that is used by a dealer. The Internet, a WAN (Wide Area Network), a LAN (Local Area Network) or the like is constructed so as to be communicable via an electric communication line 5.

  In the present embodiment, a transaction is assumed in which a customer, a dealer, and an intermediary business are involved to buy or sell a car that is a good. The dealer sells or rents the car to the customer and also provides the goods to the brokerage company with a partition price. The brokerage company purchases automobiles from dealers and sells or rents them to customers. Thus, a customer can purchase or rent a car from a dealer or from an intermediary. A customer purchases or rents a car through credit card purchases, installment redemption contracts or lease contracts, which are credited by a dealer or broker. Then, installments and repayments are made to the contracted dealers or intermediaries for the debts that accompany the purchase or rental of automobiles. In particular, when a so-called residual value setting type loan contract is concluded, the value that will remain in the car after the lapse of a predetermined redemption period, that is, the amount of residual value, is set in advance, and the amount is sold to the car. Install the amount deducted from the value within the repayment period, and at the end of the repayment period, select whether to pay the amount of the remaining value or let the car go and repay the remaining value of the debt at that value .

  As a general rule, the transaction support apparatus 1 is managed by an intermediary operator as a system operator. The transaction support apparatus 1 is mainly a server computer. As shown in FIG. 3, for example, the server computer includes hardware resources such as a processor 1a, a main memory 1b, an auxiliary storage device 1c, a display control device 1d, a display 1e, an operation input device 1f, and a communication interface 1g. These are controlled by a controller (that is, a system controller or an I / O controller) 1h to perform a cooperative operation. The auxiliary storage device 1c is a hard disk drive, a flash memory, an optical disk drive, or the like. The display control device 1d temporarily stores a video chip (graphics chip) 1d1 that generates image data to be displayed based on a drawing instruction received from the processor 1a and sends the image data to the display 1e, image data, and the like. The video memory 1d2 or the like to be stored is an element. The operation input device 1f is a pointing device such as a push button, a keyboard, a mouse, a track pad, or a touch panel that can be operated with fingers. The communication interface 1g is a device for performing information communication via the telecommunication line 5, and is typified by NIC (Network Interface Card) or wireless LAN transceiver, but besides these, USB (Universal Serial Bus), IEEE 1394, etc. The interface can also be adopted.

  Normally, a program to be executed by the processor 1a is stored in the auxiliary storage device 1c. When the program is executed, the program is read from the auxiliary storage device 1c into the main memory 1b and decoded by the processor 1a. In this embodiment, a known OS (Operating System) program and various device driver programs attached thereto are installed in advance to mediate the use of the hardware resources by other programs. In addition, a web server program and an e-mail server program are installed in advance and work as a web server and an e-mail server. In addition, a program necessary for configuring the transaction support apparatus 1 according to the present invention is installed as a back-end program for a web server or an electronic mail server. Then, according to these programs, the above hardware resources are operated, and the estimate request receiving means 101, the first estimate acquiring means 102, the partition value acquiring means 103, the second estimate generating means 104, the first estimate shown in FIG. It functions as an estimate output means 105, a second estimate output means 106, a customer database 107, a dealer database 108, and a partition value database 109.

  The computer 2 used by the customer is a general-purpose personal computer, a PDA (Personal Digital Assistant), a mobile phone terminal, or the like. As shown in FIG. 5, the computer 2 includes hardware resources such as a processor 2a, a main memory 2b, an auxiliary storage device 2c, a display control device 2d, a display 2e, an operation input device 2f, and a communication interface 2g. These are controlled by the controller 2h and operate in cooperation.

  Usually, a program to be executed by the processor 2a is stored in the auxiliary storage device 2c, and when the program is executed, it is read from the auxiliary storage device 2c into the main memory 2b and decoded by the processor 2a. This computer is preinstalled with a known OS program and various device driver programs attached thereto, and mediates the use of the hardware resources by other programs. In addition, a web browser program and an e-mail client program are installed as application programs.

  Since the computer 3 used by the dealer can have the same configuration as the server computer 1 or the client computer 2, the description thereof is omitted. Also, as a node of the system, used by an assessment entity (for example, second-hand traders, etc., but a dealer can also be an assessment entity) entrusting the assessment of the value of the vehicle when a brokerage trades in a customer-owned vehicle A computer 4 may be connected, but this computer 4 can also have a configuration equivalent to that of the server computer 1 or the client computer 2.

The operation of the transaction support apparatus 1 in this system will be described in detail in several phases. The outline is
[Phase 1] Acceptance of request for quotation [Phase 2A] Acquisition and output of first estimate when there is no trade-in vehicle [Phase 3A] Generation of second estimate when there is no trade-in vehicle And output [phase 2B] acquisition and output of first estimate when there are vehicles to be traded in [phase 3B] generation and output of second estimate when there are vehicles to be traded in [phase 4B] This is an actual assessment of the trade-in car.

  [Phase 1] In Phase 1, a request for quotation input by a customer is received. The request for quotation is information that is exchanged when a customer requests an estimate for a desired vehicle, and includes at least goods information that is information about the vehicle to be estimated. Hereinafter, the operation of the transaction support apparatus 1 in phase 1 will be described with reference to the flowchart shown in FIG.

  In this system, the transaction support apparatus 1 publishes on the network a website for accepting an application for purchasing or renting a car. Data constituting the website (HTML (Hyper Text Markup Language) data, image data, etc.) is stored in advance in the auxiliary storage device 1c. The customer accesses the website published by the transaction support apparatus 1 using functions such as the computer 2 and the web browser program. And various information is input into the transaction assistance apparatus 1, the information which the transaction assistance apparatus 1 outputs is acquired, and this is browsed.

  Prior to using the system, the customer's user account is registered. Registration of a user account is completed by storing customer identification information (typically a user ID and / or passcode) for identifying a customer in the customer database 107. The customer database 107 uses a required storage area of the auxiliary storage device 1c of the transaction support apparatus 1.

  When access to the website is started by the customer, the customer's computer 2 sends a connection request (HTTP (Hyper Text Transfer Protocol) request) to the transaction support apparatus 1. The transaction support apparatus 1 that has received the connection request authenticates the customer according to the web server program or the like (step S1). That is, the customer identification information inputted by the customer and transmitted by the customer computer 2 is received, and this is compared with the customer identification information stored in the customer database 107 to authenticate the customer. If the customer authentication fails, access from the customer computer 2 is rejected. The transaction support apparatus 1 knows which customer is accessing through the authentication process.

  Subsequently, the car is selected by the customer. The transaction support apparatus 1 that has finished the authentication process transmits data constituting a web page for selecting a car to be purchased or rented to the customer's computer 2 (step S2). The data to be sent here includes data introducing various automobiles (description text, photos and drawings, etc.), data introducing options attached to automobiles, etc., as well as web forms that allow customers to select automobiles and options. (Or script).

  The customer's computer 2 that has received the data of the web page interprets this in accordance with a web browser program, outputs a web page for selecting a car or an option to the screen of the display 2e, and provides it to the customer. At the same time, a web form having a so-called check box, pull-down menu or input text box is output to the screen of the display 2e. The customer inputs an operation to the check box, input text box, etc. on the web form and wishes to purchase or rent, in other words, the name, model or model of the automobile to be estimated, attached to the automobile. Select options. Input to the web form is performed via the operation input device 2f. At this time, the customer can input information on a plurality of types of vehicles as candidates (in the present embodiment, vehicles having the same vehicle body and different options are considered as different types of vehicles). Upon receipt of the operation input, the customer computer 2 transmits information relating to the contents to the transaction support apparatus 1 (in accordance with HTTP).

  The transaction support apparatus 1 receives information related to the contents of the operation input according to the web server program or the like (step S3), and knows which car and option the customer has selected. In step S3, the goods information regarding the automobile to be estimated is received. As described above, there may be a single automobile or a plurality of automobiles to be estimated.

  Also, the customer's personal information is input at the same time as the selection of the car. The transaction support apparatus 1 transmits data constituting a web page that prompts the customer to input personal information to the customer's computer 2 (step S4). The data to be transmitted here includes a web form for inputting personal information.

  The customer's computer 2 that has received the web page data outputs a web form on the screen of the display 2e and accepts input of personal information. The customer inputs each attribute value of personal information in a check box, an input text box, etc. on the web form. As attributes of personal information, name, gender, date of birth, occupation, annual income, family structure, customer residence, telephone number, e-mail address, and the like can be given. The customer computer 2 that has received the input of the personal information transmits the information to the transaction support apparatus 1.

  The transaction support apparatus 1 receives the attribute value of the customer's personal information according to the web server program or the like (step S5). However, since the customer has used this system before, the personal information is already stored in the customer database 107, or the personal information is entered and registered when the user account is registered and stored in the customer database 107. If so, it is not necessary to execute the above steps S4 and S5.

  Furthermore, the condition information which is the information regarding the condition of the debt desired by the customer is input. In other words, conditions relating to how to redeem the installment liability that accompanies the purchase or rental of a vehicle (for a lease contract, how long a vehicle is rented and paid) are entered. The transaction support apparatus 1 transmits data constituting a web page that prompts the customer to input the debt condition desired by the customer toward the computer 2 of the customer (step S6). The data to be transmitted here includes a web form or the like for inputting debt conditions.

  The customer's computer 2 that has received the web page data outputs a web form on the screen of the display 2e and accepts an input of a debt condition desired by the customer. The customer inputs each attribute value of condition information indicating a desired condition into a check box, an input text box, etc. on the web form. The attributes of the condition information include the redemption period and the number of payments (how many payments are made during the redemption period, payment opportunity intervals, etc.), payment method (payment amount at each payment opportunity. Such as equal repayment, bonus payment, etc., down payment, residual value after the redemption period has passed (there may be no residual value), and the like. The customer computer 2 that has received the input of the condition information transmits the information to the transaction support apparatus 1.

  The transaction support apparatus 1 receives the attribute value of the condition information according to the web server program or the like (step S7). However, if conditions such as the length of the redemption period and the number of payments are uniquely determined in advance and selection by the customer is impossible, the above steps S6 and S7 are not executed.

  In addition, when there is a predecessor car that is currently owned by the customer and is traded in when a new car is purchased or leased, trade-in information that is information about the car is input. The transaction support apparatus 1 transmits data constituting a web page that prompts the user to input information on the car to be traded to the customer's computer 2 (step S8). The data to be transmitted here includes a web form or the like for inputting information on a predecessor car owned by the customer.

  The customer's computer 2 that has received the web page data outputs a web form on the screen of the display 2e and accepts input of information related to a predecessor car to be traded in. The customer inputs each attribute value of trade-in information into a check box, an input text box, etc. on the web form. The attributes of trade-in information include vehicle name, vehicle type, model or model designation number, category classification number, contents of options attached to the vehicle, date of acquisition of the vehicle by the customer, mileage to date, tire The necessity of replacement, presence or absence of repair history or accident history, the state of the exterior of the automobile, etc. can be mentioned. As for the state of the exterior of an automobile, for example, an attribute value (normal / less than 15 cm dent / more than 15 cm dent / less than 15 cm) indicating the state of each part (bumper, fender, door, bonnet, roof, trunk, etc.) of the automobile. Flaws / scratches of 15 cm or more / corrosion of less than 15 cm / corrosion of 15 cm or more, etc.). Here, it is also conceivable to attach image data of the exterior or interior of the automobile photographed by the customer. The customer computer 2 that has received the input of trade-in information transmits the information to the transaction support apparatus 1.

  The transaction support apparatus 1 receives the attribute value of trade-in information according to the web server program or the like (step S9). If there is no vehicle to be traded in, empty information is received in step S9 or steps S8 and S9 are not executed. In addition, when the information (part or all) of the customer-owned car is already stored in the customer database 107, the above steps S8 and S9 are executed (for information stored in the customer database 107). There is no need.

  The goods information, personal information, condition information, and trade-in information received by the transaction support apparatus 1 through steps S2 to S9 are elements for requesting an estimate. As described above, the transaction support apparatus 1 serves as the estimate request receiving unit 101 that receives the estimate request. However, the mode in which the transaction support apparatus 1 accepts the request for quotation is not limited to transmission / reception via the telecommunication line 5. A customer or a person other than the customer may manually input information related to the request for quotation through the operation input device 1f, and the transaction support apparatus 1 may accept the information. Alternatively, the request for quotation may be received by reading out information stored in a predetermined storage medium (in particular, a storage medium that can be inserted into and removed from the transaction support apparatus 1).

  Accordingly, the transaction support apparatus 1 stores the information related to the request for quotation received so far in association with the customer identification information for identifying the customer in the customer database 107 in accordance with the back-end program or the like (step S10). An example of the contents of the request for quotation is shown in FIG.

  [Phase 2A] In Phase 2A, the first estimate is obtained and output for customer browsing. The first estimate is an estimate when a dealer who can provide a vehicle desired by the customer sells or rents the vehicle to the customer, and is created and presented at the dealer's responsibility. Hereinafter, the operation of the transaction support apparatus 1 in the phase 2A will be described with reference to the flowchart shown in FIG. The phase 2A and the next phase 3A are procedures in the case where there is no predecessor car to be traded in exchange for purchase or rental of the car. If there is a predecessor car to be traded in, the process proceeds to phases 2B, 3B, and 4B.

  Upon receiving the request for quotation, the transaction support apparatus 1 requests a dealer capable of supplying the automobile (and option) to be estimated to create a first quotation. Specifically, first, the transaction support apparatus 1 searches for a dealer to request the creation of the first quotation according to the back-end program or the like (step S11). The transaction support apparatus 1 includes a dealer database 108 and stores information on dealers that can supply various automobiles. For example, as shown in FIG. 9, the type of automobile, the location of a dealer that can supply the automobile, and contact information (particularly, information serving as a destination when the following quotation request is transmitted via the telecommunication line 5, for example, (E-mail address) and the like are stored in association with each other. The dealer database 108 uses a required storage area of the auxiliary storage device 1c of the transaction support apparatus 1. The transaction support apparatus 1 refers to the request for quotation received (goods information included therein) to know the type of automobile to be estimated and searches the dealer database 108 for dealers that can supply the automobile. To do. When a plurality of types of automobiles are to be estimated, the transaction support apparatus 1 searches for dealers that can be supplied for each of them. In addition, a plurality of dealers that can supply a specific car may be selected.

  Next, the transaction support apparatus 1 generates an estimate request and transmits it to the searched dealer (step S12). The request for quotation is based on the request for quotation received earlier, and is referred to in order to create the first quotation on the dealer side. Needless to say, the request for quotation includes goods information related to the automobile to be estimated. In addition, it is possible to attach condition information regarding the condition of the debt desired by the customer to the request for quotation. In addition, some or all of the customer's personal information can be added to the request for quotation (not mandatory. Some people prefer not to provide personal information to the dealer). The customer's personal information can be used as a basis for determining the interest rate of the installment liability by examining the customer's creditworthiness. When a plurality of types of vehicles are targeted for estimation, an estimate request is generated for each type of these vehicles.

  The transaction support apparatus 1 transmits the generated quotation request with the dealer contact information extracted by searching the dealer database 108 as a destination. Typically, according to an e-mail server program or the like, the request for quotation is transmitted via the telecommunication line 5 in the form of an e-mail (or an attached file attached to the e-mail). When a plurality of types of vehicles are to be estimated, an estimate request is transmitted for each type of these vehicles. When there are a plurality of dealers that can supply a specific car, a request for quotation relating to the specific car is broadcast to the dealers. However, the mode in which the transaction support apparatus 1 outputs the request for quotation is not limited to transmission / reception via the telecommunication line 5. It does not prevent the request for quotation from being output in a manner such as output to the screen of the display 1e, hard copy output using a printer (not shown), or writing to a predetermined storage medium.

  On the dealer side, the request for quotation is received using functions such as the computer 3 and the e-mail client program. Then, a first quotation is created with reference to the received quotation request. In general, when preparing the first estimate, refer to the goods information included in the request for quotation, determine the value of the car body price, options and other expenses (for example, insurance premiums and taxes), and from there Decide how much you want to discount (there may be no discount). In addition, with reference to personal information and condition information included in the request for quotation, the condition of the installment liability that the customer should bear is determined. That is, determine the redemption period and the number of payments, payment method, down payment, residual value after the redemption period has passed (there may be no residual value), and determine the interest rate of the installment liability by examining the creditworthiness of the customer To do. However, the dealer may determine the interest rate without relying on the customer's personal information. Finally, a first estimate (total payment amount and / or payment amount (principal portion, interest portion) and residual value, etc. at each payment opportunity) is estimated. The creation of this first estimate is not necessarily done artificially. The computer 3 that has received the quote request may automatically calculate the first quote according to a predetermined program. The created first estimate is returned to the transaction support apparatus 1 via the telecommunication line 5.

  On the other hand, the transaction support apparatus 1 that has output the estimate request waits for the first estimate to be provided. The transaction support apparatus 1 receives the first estimate returned from the dealer side via the telecommunication line 5 (step S13). For example, when the first quotation is transmitted / received in the form of an e-mail (or an attached file attached to the e-mail), the transaction support apparatus 1 receives an e-mail from a dealer according to an e-mail server program or the like. Get the first quote. If there are a plurality of types of automobiles to be estimated and a request for quotation for each type is transmitted in step S12, a first estimate for the plurality of types of automobiles is acquired in step S13. In addition, when there are a plurality of dealers that can supply a specific vehicle, and a quotation request relating to the specific vehicle is sent to each dealer in step S12, a plurality of first vehicles are specified for the specific vehicle in step S13. You will get an estimate.

  Through steps S <b> 11 to S <b> 13, the transaction support apparatus 1 acquires a first estimate created by a dealer that can supply the automobile (and option) to be estimated via the telecommunication line 5. As described above, the transaction support apparatus 1 plays a role as the first quotation acquisition unit 102 that acquires the first quotation presented by the dealer. However, the aspect in which the transaction support apparatus 1 acquires the first estimate is not limited to the above. In particular, it is conceivable to obtain the first estimate from the customer side. That is, when the customer has already obtained the first estimate from the dealer by himself (without using the function of this system), he / she inputs the information of the first estimate by the customer himself, It can be acquired via the telecommunication line 5. At this time, the transaction support apparatus 1 transmits a web form or the like for inputting the attribute value of the first estimate to the customer's computer 2 as in Steps S2 to S9 of Phase 1, and the customer inputs and his computer 2 Receive information about the first quote to send. At this time, the above steps S11 to 13 are not essential.

  Furthermore, the mode in which the transaction support apparatus 1 acquires the first estimate is not limited to transmission / reception via the telecommunication line 5. The dealer or a person other than the dealer may manually input information related to the first estimate via the operation input device 1f, and the transaction support apparatus 1 may accept the information. Alternatively, the first estimate may be acquired by reading information stored in a predetermined storage medium.

  Accordingly, the transaction support apparatus 1 associates the information related to the first estimate received so far with the customer identification information for identifying the customer and the estimate request brought by the customer in accordance with the back-end program or the like. Store in the database 107 (step S14). An example of the contents of the first estimate is shown in FIG. However, the first estimate obtained through Phase 2A does not include information on the trade-in amount of the customer-owned car.

  The transaction support apparatus 1 that has acquired the first estimate for the vehicle desired by the customer outputs the first estimate for use by the customer. In the present embodiment, the transaction support apparatus 1 generates web page data for browsing the information of the first estimate according to the back-end program or the like, and transmits it to the customer's computer 2 (step S15). When a plurality of first quotations presented by a plurality of dealers for a specific vehicle are acquired, all of them may be output, or only a part of them may be selectively output. In this case, the transaction support device 1 follows a back-end program or the like, from among a plurality of first quotations presented by each dealer, an estimate advantageous to the customer, for example, a low interest rate, a small payment amount, and a long redemption period Then, select the one with a large discount amount (preferably, select the one with the smallest payment amount of the customer), and transmit the data including only the selected first estimate.

  However, it may take a lead time from when the transaction support apparatus 1 transmits an estimate request to a required dealer until the first estimate is obtained. The first quote cannot be sent to the customer's computer 2 (as an HTTP response). Therefore, for example, in step S15, the transaction support apparatus 1 may transmit the first estimate in the form of so-called HTML mail or the like with the customer's email address registered in the customer database 107 as the destination. Alternatively, the first estimate may be stored in the customer database 107 and transmitted later when the same customer accesses the website.

  Through step S <b> 15, the transaction support apparatus 1 outputs the first estimate presented by the dealer for the automobile to be estimated via the telecommunication line 5. As described above, the transaction support apparatus 1 serves as the first estimate output unit 105 that outputs the first estimate to be viewed by the customer. However, the mode in which the transaction support apparatus 1 outputs the first estimate is not limited to transmission / reception via the telecommunication line 5. Output the first estimate in the form of output to the screen of the display 1e, hard copy output using a printer (not shown) (then provide to the customer as a proposal), writing to a predetermined storage medium, etc. Not disturb.

  [Phase 3A] In Phase 3A, a second estimate is generated and output for customer viewing. The second estimate is an estimate when the brokerage company sells or rents the vehicle desired by the customer, and is created and presented at the brokerage company's responsibility. Hereinafter, the operation of the transaction support apparatus 1 in the phase 3A will be described with reference to the flowcharts shown in FIGS. As already mentioned, Phase 3A applies when there is no predecessor car that is traded in for purchase or rental of the car.

  Step S15 will be described again. In step S15, the transaction support apparatus 1 generates and transmits a web page for browsing the information of the first estimate, and the web page data is input to request presentation of the second estimate. Include web forms etc. If a web form includes primary quotes for multiple types of vehicles in the data on the web page, or if the primary quotes from multiple dealers are included in the data on the web page for a particular vehicle, It also functions to allow the customer to select which car / dealer they are paying attention to.

  The customer's computer 2 that has received the web page data outputs a web page and a web form for presenting the first quotation on the screen of the display 2e. Does the customer view the first quote from the dealer and enter into a desired vehicle sale or lease agreement with the dealer or ask the broker to provide a second quote that can be compared to the first quote? Judging. When he decides to ask for the presentation of the second estimate, he / she indicates his / her intention by operating the check box, input text box, etc. on the web form. In addition, if you receive the first quotation for multiple types of vehicles, or if you receive the first quotation from multiple dealers for a specific vehicle, enter the operation on the web form. Thus, it is designated which car / dealer is focused on, in other words, for which first quotation, the second quotation should be presented. Of course, it is permissible to ask for the second estimate for all types of cars that have obtained the first estimate. Upon receipt of the above operation input, the customer computer 2 transmits information relating to the contents to the transaction support apparatus 1 (in accordance with HTTP).

  The transaction support apparatus 1 receives information requesting presentation of the second estimate transmitted from the customer's computer 2 according to the web server program (step S16). Then, based on the contents of the operation input included in the received information, the customer knows for which first estimate the customer is requesting to present the second estimate. Thereafter, execution of processing for generating a second estimate to be presented to the customer is started.

  In order to generate the second estimate, it is essential to obtain the partition value of the target automobile (and option). The partition price is a price when the dealer wholesales or rents the car to the brokerage company. A brokerage company can purchase a car from a dealer at a partition price and sell or rent it to a customer. The partition value is acquired by reading the partition value information stored in advance in the partition value database 109 or by receiving the partition value information from a dealer that can supply the car. The partition value database 109 uses a required storage area of the auxiliary storage device 1c of the transaction support apparatus 1. The partition value database 109 stores information on various vehicle and option partition values. For example, as shown in FIG. 13, for each type of automobile and option, information such as a partition value (in addition, a dealer that can supply the automobile) when it is purchased is stored. This partition value database 109 may be linked to the dealer database 108 or may be substantially identical to the dealer database 108.

  The transaction support apparatus 1 refers to the information received in step S16 (and the goods information stored in the customer database 107 in step S10) according to the back-end program etc. Is obtained, and the target automobile and optional partition values are searched from the partition value database 109 (step S17). When a plurality of types of automobiles are to be estimated, the transaction support apparatus 1 searches for a partition value for each of them.

  On the other hand, when the partition value of the automobile to be estimated is not registered in the partition value database 109 or when the transaction support apparatus 1 does not have the partition value database 109 in the first place, the partition value information is displayed. Cannot read. In that case (step S18. If the transaction support apparatus 1 does not include the partition value database 109, there is no opportunity to execute step S17 in the first place), it is necessary to acquire partition value information from the outside. Therefore, the dealer is requested to provide a partition value. Similarly to steps S11 and S12, transaction support apparatus 1 searches for a dealer that can supply a vehicle to be estimated (step S19), generates information that requests provision of a partition value, and transmits the information to a required dealer. (Step S20). The information transmitted here can include goods information related to the target automobile, but this is not the case when trying to obtain partition values for various automobiles at once from a dealer.

  The dealer that has received the information transmitted in step S20 returns at least information about the automobile and the option partition value to be estimated to the transaction support apparatus 1 via the telecommunication line 5.

  On the other hand, the transaction support apparatus 1 that has output the information requesting the provision of the partition value waits for the partition value information to be provided. Similarly to step S14, transaction support apparatus 1 receives partition value information returned from the dealer side via telecommunication line 5 (step S21). If the transaction support apparatus 1 includes the partition value database 109, the received partition value information is stored in the partition value database 109 in association with the corresponding vehicle or option type according to the back-end program or the like. (Step S22).

  Incidentally, in step S13 in which the creation of the first estimate is requested, the aspect in which the dealer is also requested to provide the partition value in advance is not disturbed. In that case, both the first estimate and the partition value may be acquired in step S14.

  Through steps S <b> 16 to S <b> 22, the transaction support device 1 acquires the partition value of the automobile that is the target of the second estimate. In addition, when the customer is requesting the presentation of the second estimate for a plurality of types of automobiles, a partition value is acquired for each type. As described above, the transaction support apparatus 1 serves as the partition value acquisition unit 103 that acquires the partition value when the dealer wholesales or leases to the brokerage company. However, the mode in which the transaction support apparatus 1 acquires the partition value is not limited to reading from the partition value database 109 and transmission / reception via the telecommunication line 5. The dealer or a person other than the dealer may manually input information related to the partition value via the operation input device 1f, and the transaction support apparatus 1 may accept the information. Alternatively, the partition value may be acquired by reading information stored in a predetermined storage medium.

  The transaction support apparatus 1 that has acquired the information on the partition value of the automobile to be estimated generates a second estimate. The second quotation should be more advantageous to the customer than the first quotation if possible. In generating the second estimate, it is allowed to refer to the first estimate provided by the dealer, the personal information input by the customer at the stage of requesting the estimate, the condition information, etc. together with the acquired partition value. These pieces of information are stored in the customer database 107 in steps S10 and S14.

  The procedure for the transaction support apparatus 1 to generate the second quotation will be described in detail. The transaction support apparatus 1 first determines the price of the automobile body, options, and other expenses according to the back-end program (step S23). For vehicle body price, option price, etc., refer to the partition price acquired earlier, and if necessary, add the profit of the brokerage company to the partition price. Moreover, you may discount from there. At this time, the same amount as the discount set by the dealer in the first estimate to be compared is used as the discount in the second estimate, or the amount that is increased or decreased according to a predetermined calculation formula is used in the second estimate. It can be a discount.

  And determine the terms of the installment liability that the customer should bear. The transaction support apparatus 1 determines a redemption period and the number of payments, a payment method, a down payment, and a residual value after the redemption period has passed (the residual value may be none) according to a back-end program or the like (step S24). These may be based on the condition information input by the customer, or may be equivalent to the conditions set by the dealer in the first estimate to be compared.

  In addition, determine the interest rate on the installment liability that the customer should bear. In the present embodiment, the base interest rate is set (step S25), the interest revenue that the intermediary operator can obtain when crediting the customer at the reference interest rate is calculated (step S26), and the interest revenue Is calculated by adding the commission revenue (step S27), and the interest rate is reset according to the expected revenue (step S28). The base interest rate is an interest rate that is preliminarily set according to the customer's creditworthiness, and is usually determined with reference to the customer's personal information, the vehicle body price, the option price, and the like. Typically, the transaction support apparatus 1 stores in advance table information that defines a reference interest rate according to parameters such as the customer's age, the customer's years of service, annual income, and whether the residence is a home or a rented house. It is stored in the memory 1b or the auxiliary storage device 1c, and the reference interest rate is determined by comparing the customer's personal information with the table information. After that, in step S26, interest income when the base interest rate is applied under the condition of the installment liability determined previously is calculated. In addition, if there is commission revenue that can be obtained separately by the broker, the commission revenue is added to the interest revenue to calculate the expected revenue. If there is no commission revenue, execute step S27. The interest revenue is used as the expected revenue. Information defining the fee income is also stored in advance in the main memory 1b or the auxiliary storage device 1c.

  After that, the interest rate is determined again according to the amount of expected revenue. The calculation table or formula for deriving the final interest rate from the expected profit in step S28 is not particularly limited, but basically, the higher the expected profit (or the lower), the lower the interest rate (increase). In particular, it is possible to give a target amount of expected revenue to be obtained by the brokerage company for each contract in advance, and calculate the final interest rate by calculating the interest rate at which this expected revenue is achieved. Conceivable. For example, the amount of credit (total amount of automobile body price, option value, etc., but the residual amount may be reduced to the credit amount) 2 million yen, base interest rate 4%, redemption period The interest income earned by the brokerage company is approximately 130,000 yen for the installment obligation with the condition of 5 years and 60 payments. Assuming that the target amount given as the expected revenue to be earned by the brokerage company is 165,000 yen, the interest rate to achieve this expected revenue is calculated to be at least 4.6%. Therefore, the interest rate is raised from the original base interest rate. On the other hand, brokerage fees paid by customers or dealers when brokerage agents mediate between customers and dealers (that is, brokerage brokers purchase cars on behalf of customers), or brokerage brokers between customers and customers. If there is an intermediary fee paid by the customer or used car dealer by mediating with a used car trader who trades in his own car, the final interest rate will be reduced below 4.6%. If the commission revenue is 70,000 yen in total, the interest rate to achieve the expected revenue is calculated to be 3.3% at the minimum. The transaction support apparatus 1 of the present embodiment determines the final interest rate to be equal to or lower than the interest rate set by the dealer in the first estimate to be compared or smaller than the interest rate set by the dealer. This is one method for making the second quotation more favorable to the customer than the first quotation.

  Finally, estimate the installment obligation (total payment and / or payment amount (principal component, interest component) and residual value, etc.) at each payment opportunity according to the conditions of the installment obligation and the reset interest rate ( In step S29), this is output as a second estimate for use by the customer. An example of the contents of the second estimate is shown in FIG. However, the second estimate obtained through Phase 3A does not include information on the trade-in amount of the customer-owned car. In the present embodiment, the transaction support apparatus 1 generates web page data for browsing the information of the second estimate and transmits it to the customer's computer 2 according to the back-end program or the like (step S30). Incidentally, information on the first estimate to be compared may be included in this web page. In addition, when the customer is requesting presentation of the second estimate for a plurality of types of vehicles, it goes without saying that the second estimate is generated and output for each type.

  The customer's computer 2 that has received the data of the web page outputs a web page and a web form for presenting the second quotation on the screen of the display 2e. The customer views the second quote from the broker (and the first quote from the dealer) and decides whether to conclude a desired vehicle purchase or sale contract with the dealer or with the broker To do.

  Through steps S23 to S29, the transaction support apparatus 1 generates a second estimate for the automobile to be estimated with reference to the partition value. And the transaction assistance apparatus 1 outputs the produced | generated 2nd estimate via the telecommunication line 5 through step S30. As described above, the transaction support apparatus 1 includes the second estimate generation unit 104 that generates the second estimate presented by the broker, and the second estimate output unit that outputs the second estimate for use by the customer. It serves as 106. However, the mode in which the transaction support apparatus 1 outputs the second estimate is not limited to transmission / reception via the telecommunication line 5. Output the second estimate in the form of output to the screen of the display 1e, hard copy output using a printer (not shown) (then provide to the customer as a proposal), writing to a predetermined storage medium, etc. Not disturb.

  Note that, instead of generating a second estimate after obtaining an explicit instruction from the customer in step S16, acquisition of the partition value, generation and output of the second estimate are performed without waiting for the customer's instruction. It is also possible. In that case, step S15 for outputting the first estimate and step S30 for outputting the second estimate may be executed collectively.

  In the above-described aspect, the second estimate generation unit 104 generates a second estimate having a more advantageous content for the customer by setting an interest rate lower than the interest rate in the first estimate. In addition to or in addition to this, the discount amount of goods to be bought or sold or leased is set to a larger amount than the first estimate, or the residual value after the lapse of the prescribed redemption period is set to be greater than the first estimate. A large estimate may be set to generate a second estimate. In short, if possible, a second estimate is generated in which the customer's total payment is less than the first estimate, and it is allowed to change various values to adjust for that purpose.

  [Phase 2B] In Phase 2B, the first estimate is acquired and output for customer browsing. Since the procedure of Phase 2B is almost the same as that of Phase 2A, the following description focuses on the differences from Phase 2A. Phase 2B and subsequent phases 3B and 4B are procedures in the case where there is a predecessor vehicle traded in for purchase or rental of the vehicle. When there is no predecessor car to be traded in, the process proceeds to the above-described phases 2A and 3A.

  Upon receiving the request for quotation, the transaction support apparatus 1 requests a dealer capable of supplying the automobile (and option) to be estimated to create a first quotation. Specifically, first, the transaction support apparatus 1 searches for a dealer to request the creation of the first quotation according to the back-end program or the like (step S11). When a plurality of types of automobiles are to be estimated, the transaction support apparatus 1 searches for dealers that can be supplied for each of them. In addition, a plurality of dealers that can supply a specific car may be selected.

  Next, an estimate request is generated and transmitted to the searched dealer (step S12). The quotation request output here includes trade-in information related to automobiles to be traded in by customers, in addition to goods information, condition information, customer personal information (customer personal information is not essential), and the like. If multiple types of vehicles are to be estimated, an estimate request is generated and transmitted for each type of these vehicles. When there are a plurality of dealers that can supply a specific car, a request for quotation relating to the specific car is broadcast to the dealers.

  The dealer receives the request for quotation and creates a first quotation by referring to the request. That is, by referring to the goods information, the price of the automobile body, the option and other expenses are determined, and how much is deducted therefrom. In addition, based on the trade-in information, the customer's own car trade-in value is assessed on the desktop. In addition, by referring to personal information (which may not depend on the customer's personal information) and condition information included in the request for quotation, the condition of the installment obligation that the customer should bear and the interest rate of the installment obligation are determined. Finally, the first estimate is estimated. The created first estimate is returned to the transaction support apparatus 1 via the telecommunication line 5.

  On the other hand, the transaction support apparatus 1 that has output the request for quotation receives the first quotation returned from the dealer via the telecommunication line 5 (step S13). It goes without saying that this first estimate includes information about the trade-in value of customer-owned cars as assessed by the dealer. If there are a plurality of types of automobiles to be estimated and a request for quotation for each type is transmitted in step S12, a first estimate for the plurality of types of automobiles is acquired in step S13. In addition, when there are a plurality of dealers that can supply a specific vehicle, and a quotation request relating to the specific vehicle is sent to each dealer in step S12, a plurality of first vehicles are specified for the specific vehicle in step S13. You will get an estimate.

  Through steps S <b> 11 to S <b> 13, the transaction support apparatus 1 acquires a first estimate created by a dealer that can supply the automobile (and option) to be estimated via the telecommunication line 5. As described above, the transaction support apparatus 1 plays a role as the first quotation acquisition unit 102 that acquires the first quotation presented by the dealer. However, the aspect in which the transaction support apparatus 1 acquires the first estimate is not limited to the above. In particular, if the customer has already obtained the first estimate from the dealer (without using the functions of this system), the customer must enter the first estimate information by his / her own hand. It can be acquired via the telecommunication line 5.

  Accordingly, the transaction support apparatus 1 associates the information related to the first estimate received so far with the customer identification information for identifying the customer and the estimate request brought by the customer in accordance with the back-end program or the like. Store in the database 107 (step S14).

  The transaction support apparatus 1 that has acquired the first estimate for the vehicle desired by the customer outputs the first estimate for use by the customer. That is, according to the back-end program or the like, web page data for browsing the information of the first estimate is generated and transmitted to the customer's computer 2 (step S15). However, here, step S15 for outputting the first estimate and step S47 for outputting the second estimate, which will be described later, are collectively executed. When a plurality of first quotations presented by a plurality of dealers for a specific vehicle are acquired, all of them may be output, or only a part of them may be selectively output. In this case, the transaction support device 1 follows a back-end program or the like, from among a plurality of first quotations presented by each dealer, an estimate advantageous to the customer, for example, a low interest rate, a small payment amount, and a long redemption period Then, select the one with a large discount amount (preferably, select the one with the smallest payment amount of the customer), and transmit the data including only the selected first estimate.

  Through step S <b> 15, the transaction support apparatus 1 outputs the first estimate presented by the dealer for the automobile to be estimated via the telecommunication line 5. As described above, the transaction support apparatus 1 serves as the first estimate output unit 105 that outputs the first estimate to be viewed by the customer.

  [Phase 3B] In Phase 3B, a second estimate is generated and output for customer browsing. Hereinafter, the operation of the transaction support apparatus 1 in the phase 3B will be described with reference to the flowcharts shown in FIGS. As already mentioned, Phase 3A applies when there is no predecessor car that is traded in for purchase or rental of the car.

  In phase 3B, the partition value is acquired, and the second estimate is generated and output without waiting for an explicit instruction from the customer. After accepting the request for quotation in phase 1, transaction support apparatus 1 generates a second quotation for all types of vehicles that the customer desires to purchase or rent based on the quotation request.

  In order to generate the second estimate, it is essential to obtain the partition value of the target automobile (and option). The transaction support apparatus 1 refers to the information received in step S3 (and the goods information stored in the customer database 107 in step S10) according to the back-end program etc. Is obtained, and the target automobile and optional partition values are searched from the partition value database 109 (step S31). When a plurality of types of automobiles are to be estimated, the transaction support apparatus 1 searches for a partition value for each of them.

  On the other hand, when the partition value of the automobile to be estimated is not registered in the partition value database 109, or when the transaction support apparatus 1 does not have the partition value database 109 in the first place (step S32), the dealer To provide a partition value. Similarly to steps S11 and S12, transaction support apparatus 1 searches for a dealer that can supply a vehicle to be estimated (step S33), generates information to request provision of a partition value, and transmits the information to a required dealer. (Step S34). The information transmitted here can include goods information related to the target automobile, but this is not the case when trying to obtain partition values for various automobiles at once from a dealer.

  The dealer that has received the information transmitted in step S34 returns at least information on the automobile and the option partition value to be estimated to the transaction support apparatus 1 via the telecommunication line 5.

  On the other hand, the transaction support apparatus 1 that has output the information requesting provision of the partition value receives the partition value information returned from the dealer via the telecommunication line 5 (step S35). If the transaction support apparatus 1 includes the partition value database 109, the received partition value information is stored in the partition value database 109 in association with the corresponding vehicle or option type according to the back-end program or the like. (Step S36).

  Incidentally, in step S13 in which the creation of the first estimate is requested, the aspect in which the dealer is also requested to provide the partition value in advance is not disturbed. In that case, both the first estimate and the partition value may be acquired in step S14.

  Through steps S <b> 31 to S <b> 35, the transaction support device 1 acquires the partition value of the automobile that is the second estimation target. In addition, when the customer is requesting the presentation of the second estimate for a plurality of types of vehicles, a partition value is acquired for each type. As described above, the transaction support apparatus 1 serves as the partition value acquisition unit 103 that acquires the partition value when the dealer wholesales or leases to the brokerage company.

  Also, in order to generate a second estimate, it is necessary to assess the value of customer-owned cars that are traded in. In the present embodiment, the assessment of the value of a customer-owned automobile is entrusted to an assessment entity (second-hand dealer, etc., where a dealer can also be an assessment entity) having an assessment capability. Specifically, the transaction support apparatus 1 generates a desktop assessment request according to the back-end program or the like and transmits it to the assessment subject (step S37). The desktop assessment request is referenced on the part of the assessor to assess the value of the customer-owned car. It goes without saying that the desktop assessment request includes trade-in information regarding the previous automobile to be assessed.

  The transaction support apparatus 1 according to the present embodiment transmits the generated desktop assessment request in the form of e-mail (or an attached file attached to the e-mail) in accordance with the e-mail server program. Information serving as a destination when sending the desktop assessment request, that is, the email address of the assessment subject, is stored in advance in the main memory 1b or the auxiliary storage device 1c of the transaction support apparatus 1. When there are a plurality of assessment subjects, a request for quotation relating to a specific vehicle is broadcast to the assessment subjects. However, the mode in which the transaction support apparatus 1 outputs the desktop assessment request is not limited to transmission / reception via the telecommunication line 5. It does not preclude outputting the assessment request in the form of output to the screen of the display 1e, hard copy output using a printer (not shown), writing to a predetermined storage medium, or the like.

  On the assessment subject side, a desktop assessment request is received using functions of the computer 4 and the e-mail client program. Then, referring to the trade-in information included in the received desktop assessment request, the customer's predecessor car is assessed. This desktop assessment is not always done artificially. The computer 4 that has received the desktop assessment request may automatically calculate the desktop assessment amount according to a predetermined program. The desktop assessment amount assessed by the assessment subject is returned to the transaction support apparatus 1 via the telecommunication line 5.

  On the other hand, the transaction support apparatus 1 that has output the desktop assessment request waits for a desktop assessment amount to be provided. The transaction support apparatus 1 receives the desktop assessment amount returned from the assessment subject side via the telecommunication line 5 (step S38). For example, when the desktop assessment amount is transmitted and received in the form of an e-mail (or an attached file attached to the e-mail), the transaction support apparatus 1 receives an e-mail brought from the assessment subject according to an e-mail server program or the like. Get a desktop assessment. In the case where there are a plurality of assessment subjects and a desktop assessment request relating to the previous car is broadcast to each assessment subject in step S37, in step S38, a plurality of desktop assessment amounts are obtained for the previous automobile. Become.

  Through steps S <b> 37 to S <b> 38, the transaction support apparatus 1 acquires the desktop assessment amount of the predecessor car owned by the customer via the telecommunication line 5. However, the mode in which the transaction support apparatus 1 acquires the first estimate is not limited to transmission / reception via the telecommunication line 5. It is also possible for the assessment subject or a person other than the assessment subject to manually input information relating to the desktop assessment amount via the operation input device 1f, and the transaction support apparatus 1 accepts the information. Alternatively, the desktop assessment amount may be acquired by reading out information stored in a predetermined storage medium. When a program for assessing the value of the previous automobile is installed in the transaction support apparatus 1, the transaction support apparatus 1 itself may calculate the desktop assessment amount according to the program. Alternatively, the trade-in amount presented by the dealer in the first estimate may be used as it is.

  The transaction support apparatus 1 that has acquired information on the partition value of the automobile to be estimated and the desktop assessment amount of the automobile owned by the customer generates a second estimate. The second quotation should be more advantageous to the customer than the first quotation if possible. When generating the second estimate, it is allowed to refer to the first estimate provided by the dealer, the personal information entered by the customer at the stage of requesting an estimate, the condition information, etc., along with the obtained partition value and desktop assessment value. It is. These pieces of information are stored in the customer database 107 in steps S10 and S14.

  The procedure for the transaction support apparatus 1 to generate the second quotation will be described in detail. The transaction support apparatus 1 first determines the price of the automobile body, options, and other expenses according to the back-end program (step S39). For vehicle body price, option price, etc., refer to the partition price acquired earlier, and if necessary, add the profit of the brokerage company to the partition price. Moreover, you may discount from there. At this time, the same amount as the discount set by the dealer in the first estimate to be compared is used as the discount in the second estimate, or the amount that is increased or decreased according to a predetermined calculation formula is used in the second estimate. It can be a discount.

  And determine the terms of the installment liability that the customer should bear. The transaction support apparatus 1 determines the redemption period and the number of payments, the payment method, the down payment, and the residual value after the redemption period has passed (the residual value may be none) according to the back-end program or the like (step S40). These may be based on the condition information input by the customer, or may be equivalent to the conditions set by the dealer in the first estimate to be compared.

  In addition, the trade-in amount of the predecessor car owned by the customer in the second estimate is determined (step S41). When a plurality of desktop assessment amounts are obtained from a plurality of assessment entities, the transaction support device 1 selects an amount advantageous to the customer, that is, the highest desktop assessment amount from among the desktop assessment amounts presented by each assessment entity. (Finally, the assessment subject who presented the desktop assessment amount will have the predecessor's car picked up). Then, the desktop assessment amount is used as the trade-in amount as it is, or the amount increased or decreased according to a predetermined calculation formula is used as the trade-in amount. Incidentally, it is desirable that the trade-in amount in the second estimate is higher than that in the first estimate, in accordance with the intended purpose of providing a second estimate that is more favorable to the customer. On the other hand, if the trade-in amount in the second estimate is lower than the desktop assessment value assessed by the assessor, the second estimate trade-in amount and assessor when the customer owns the car owned by the assessor It is possible to make the difference from the appraisal value of the brokerage company profit.

  In addition, determine the interest rate on the installment liability that the customer should bear. In the present embodiment, a base interest rate is set (step S42), and when the credit is given to the customer at the base interest rate, interest revenue that the intermediary operator can obtain is calculated (step S43), and interest revenue Is calculated by adding the commission revenue (step S44), and the interest rate is reset according to the expected revenue (step S45). The base interest rate is an interest rate that is preliminarily set according to the customer's creditworthiness, and is usually determined with reference to the customer's personal information, the vehicle body price, the option price, and the like. Then, in step S43, interest income when the base interest rate is applied under the condition of the installment liability determined previously is calculated. In addition, if there is commission revenue that can be separately obtained by the broker, the commission revenue is added to the interest revenue to calculate the expected revenue. The difference between the trade-in amount of the second estimate described above and the assessment amount of the assessor can be the fee income mentioned here.

  After that, the interest rate is determined again according to the amount of expected revenue. The calculation table or calculation formula for deriving the final interest rate from the expected profit in step S45 is not particularly limited, but basically, the higher (or lower) the expected profit, the lower the interest rate (increase). In particular, a target amount of expected revenue to be obtained by the brokerage company for each contract is given in advance, and the interest rate at which this expected revenue is achieved is calculated as the final interest rate.

  Finally, the installment liability estimate (total payment and / or payment amount (principal component, interest component) and remaining balance at each payment opportunity according to the trade-in amount of the previous car, the conditions of the installment liability and the reset interest rate. (Amount of bonds, etc.) is estimated (step S46), and this is output as a second estimate for use by the customer. In the present embodiment, the transaction support apparatus 1 generates web page data for browsing the information of the second estimate and transmits it to the customer's computer 2 according to the back-end program or the like (step S47). As already described, step S47 is executed in batch with step S15 for outputting the first estimate. In addition, when the customer is requesting presentation of the second estimate for a plurality of types of vehicles, it goes without saying that a second estimate is generated and output for each type.

  The customer's computer 2 that has received the data of the web page outputs a web page and a web form for presenting the second quotation on the screen of the display 2e. The customer views the second quote from the broker (and the first quote from the dealer) to purchase or rent any car, and enters into the sale or lease agreement for the desired car with the dealer. Decide whether or not to conclude with a broker.

  Through steps S39 to S46, the transaction support device 1 generates a second estimate for the vehicle to be estimated with reference to the partition value. And the transaction assistance apparatus 1 outputs the produced | generated 2nd estimate via the telecommunication line 5 through step S47. As described above, the transaction support apparatus 1 includes the second estimate generation unit 104 that generates the second estimate presented by the broker, and the second estimate output unit that outputs the second estimate for use by the customer. It serves as 106.

  In the above-described aspect, the second estimate generation unit 104 generates a second estimate having a more advantageous content for the customer by setting an interest rate lower than the interest rate in the first estimate. In addition to or in addition to this, the discount amount of goods to be bought or sold or leased is set to a larger amount than the first estimate, or the residual value after the lapse of the prescribed redemption period is set to be greater than the first estimate. A large estimate may be set to generate a second estimate. In short, if possible, a second estimate is generated in which the customer's total payment is less than the first estimate, and it is allowed to change various values to adjust for that purpose.

  [Phase 4B] In Phase 4B, an actual evaluation of a predecessor vehicle that a customer takes out for trade-in in exchange for purchase or rental of the vehicle is performed. Hereinafter, the operation of the transaction support apparatus 1 in the phase 4B will be described with reference to the flowchart shown in FIG. This phase 4B is not implemented in the first place when there is no predecessor car to be traded in.

  Step S47 will be described again. In step S47, the transaction support apparatus 1 generates and transmits a web page for browsing the information of the first estimate and the second estimate. The data of this web page includes the actual vehicle owned by the customer. Include a web form for requesting an assessment. The web form includes primary quotes and secondary quotes for multiple types of vehicles in the web page data, or includes primary quotes from multiple dealers for specific vehicles in the web page data. In this case, it also functions to allow the customer to select which car / dealer or brokerage company is focused on.

  The customer's computer 2 that has received the web page data outputs a web page and a web form that present the first quotation and the second quotation on the screen of the display 2e. On the web page, for a certain type of vehicle, a first estimate provided by the dealer (s) and a second estimate provided by the broker are displayed. In addition, if the customer has requested quotes for multiple types of vehicles, the first quote and the second quote are displayed for each. The customer views the first estimate and the second estimate to determine which car to purchase or rent. Then, the customer indicates the intention by selecting the type of car he / she wishes to purchase or rent and performing an operation input on a check box, input text box, etc. on the web form. In addition to this, it is possible to enter a date or time zone that is convenient for the customer's actual assessment into the web form. Upon receipt of the above operation input, the customer computer 2 transmits information relating to the contents to the transaction support apparatus 1 (in accordance with HTTP).

  The transaction support apparatus 1 receives the information for requesting an actual assessment of the previous car transmitted from the customer's computer 2 according to the web server program (step S48). Based on the contents of the operation input included in the received information, the customer wants to purchase or rent a car, and when it is convenient for the customer to visit the actual assessment. Know.

  The actual assessment is based on the dealer presenting the first estimate for the car that the customer intends to purchase or rent, and the assessor presenting the desktop assessment based on the trade-in amount in the second estimate (in particular, (Assessment body presenting the highest desktop assessment amount in steps S37 to S38 of phase 3B). The transaction support apparatus 1 generates an actual assessment request according to the back-end program or the like, and broadcasts it to the dealer and the assessment subject (step S49). This actual assessment request includes at least a part of the customer's personal information (customer's residence, telephone number, e-mail address, etc.) and the date and time convenient for the actual assessment designated by the customer. In the actual assessment, the person in charge of the assessment actually goes to the storage location of the car to investigate the condition, so this information is necessary.

  On the side of the dealer and the assessment subject, the actual assessment request is received using the functions of the computers 3 and 4 and the email client program. Then, referring to the information included in the received actual assessment request, the customer visits the customer at the date and time desired by the customer to investigate and actually assess the state of the previous car. By the way, if the dealer and the assessor both conduct the actual assessment, it is desirable to alleviate the burden on the customer so that everyone conducts the actual assessment on the same day. The actual assessment amount assessed by the dealer and the assessment subject is returned to the transaction support apparatus 1 via the telecommunication line 5.

  On the other hand, the transaction support apparatus 1 that has output the actual assessment request waits for the actual assessment amount to be provided. The transaction support apparatus 1 receives the actual assessment amount returned from the dealer and the assessment subject via the telecommunication line 5 (step S50). For example, when the actual appraisal amount is transmitted / received in the form of an e-mail (or an attached file attached to the e-mail), the transaction support apparatus 1 receives an e-mail brought from a dealer or an appraiser in accordance with an e-mail server program or the like. Receive the actual appraisal amount.

  Through steps S <b> 48 to S <b> 50, the transaction support device 1 acquires the actual assessed amount of the predecessor car owned by the customer via the telecommunication line 5. However, the mode in which the transaction support apparatus 1 acquires the first estimate is not limited to transmission / reception via the telecommunication line 5. The dealer, the assessment subject, or a person other than them may manually input information related to the actual assessment amount via the operation input device 1f, and the transaction support apparatus 1 may accept the information. Alternatively, the desktop assessment amount may be acquired by reading out information stored in a predetermined storage medium.

  Therefore, the transaction support apparatus 1 outputs an estimate using the acquired actual appraisal value as a trade-in value of the previous automobile as a new first estimate and a second estimate. The transaction support apparatus 1 generates web page data for browsing the information of the new first quotation or the second quotation in accordance with the back-end program, and transmits it to the customer's computer 2 (step S51). . Step S51 is executed only for the estimate for which the actual assessment amount has been acquired in accordance with the customer's instruction. At this time, the trade-in amount of the previous car fluctuates between the old estimate (estimate at the stage of Phase 3B) and the new estimate, and as a result, the total payment amount and the payment amount at each payment opportunity (principal portion) ), The residual value, etc. may vary, so the transaction support apparatus 1 recalculates the estimate. In particular, with respect to the second estimate, there is a possibility that the interest rate may need to be changed in accordance with the change in the trade-in amount of the previous car, and therefore the same processing as in steps S39 to S46 described above is performed again. On the other hand, the first estimate may not be recalculated by the transaction support device 1, but a new estimate may be created on the dealer side and acquired via the telecommunication line 5.

  According to this embodiment, support is provided for transactions involving customers who purchase or rent goods through installment sales contracts, installment redemption contracts, or lease transaction contracts, dealers that supply goods, and intermediaries that mediate both. Presented by an estimate request receiving means 101 for receiving an estimate request including goods information related to the goods that the customer desires to purchase or rent, and a dealer capable of supplying the goods corresponding to the goods information included in the estimate request A first estimate obtaining means 102 for obtaining a first estimate which is an estimate when the dealer sells or rents the goods to the customer, and a dealer capable of supplying the goods delivers the goods Partition value acquisition means 103 for acquiring a partition value when providing to, a second estimate generation means 104 for generating a second estimate with reference to the partition value, and the first Transaction support comprising first estimate output means 105 for outputting a product for viewing by the customer and second estimate output means 106 for outputting the second estimate for use by the customer Since the apparatus 1 is configured, it is possible to present a phase estimate, i.e., a first estimate and a second estimate, regarding goods to be sold or leased without imposing a heavy burden on the customer. Then, by presenting each of the first and second quotations, the customer can have an opportunity for comparative review (especially an opportunity to compare multiple quotations presented by the dealer and the broker for each specific vehicle type). Giving customers a sense of satisfaction and satisfaction can contribute to improving the contract rate.

  The second estimate generation unit 104 refers to the first estimate and the partition value, and generates a second estimate that is advantageous to the customer over the first estimate if possible. The second estimate output means 106 outputs the second estimate when the second estimate generation means 104 generates the second estimate, and the customer is in contact with a dealer who is a universal trading practice. It is possible to purchase or rent goods on favorable terms compared to direct contracts, and further increase the contract rate. From the standpoint of a dealer, the risk of transactions that sell or rent relatively expensive durable consumer goods directly to individual customers can be avoided, and if the contract rate increases, the dealer will naturally enjoy the benefits of expanding business opportunities and increasing sales. become.

  In generating the second estimate, specifically, the second estimate generation unit 104 has set the dealer with respect to an installment liability that accompanies the purchase or rental of the goods included in the first estimate. With reference to the interest rate, an interest rate lower than the interest rate is set, and an advantageous second estimate can be easily generated.

  In addition, the second estimate generation means 104 performs an interest income obtained under a base interest rate given for an installment obligation generated by the purchase or lease of the goods, and a transaction in which the customer purchases or leases the goods. The brokerage business operator calculates the amount of expected revenue including at least one of the commission revenues related to intermediary operations, and finalizes the interest rate on the installment liability according to the amount of the expected revenue. The interest rate of installment debts can be adjusted according to the amount of revenue that the company obtains.

  When the request for quotation including goods information on a plurality of types of goods designated by the customer as a candidate for purchase or rental is received by the request for quotation request 101, the first quotation acquisition unit 102 includes the request for quotation. The first estimate is acquired for each of a plurality of types of goods corresponding to the received goods information, and the partition value acquisition unit 103 acquires the partition value for each of the plurality of types of goods, and the second estimate Since the generation means 104 is a system that can generate the second estimate for each of the plurality of types of goods with reference to the partition value (and further, the first estimate), Each phase estimate can be presented in a lump, making it more convenient for customers.

  Further, when generating the second estimate, the second estimate generation means 104 refers to the discount amount or residual value set by the dealer for the goods to be purchased or leased included in the first estimate. A higher discount and / or residual value can then be set to generate the second estimate. Alternatively, referring to the trade-in amount set by the dealer for the predecessor goods traded in in exchange for the purchase or rental of the goods, setting a trade-in amount higher than the trade-in value to generate the second estimate it can.

  When there are a plurality of dealers capable of supplying goods corresponding to the goods information included in the request for quotation, the first quotation acquisition unit 102 acquires the first quotation presented by each dealer, and the first quotation One estimate output means 105 selects and outputs one of the first estimates that minimizes the payment amount of the customer, and a bid by a plurality of dealers is realized, which is more advantageous for the customer. It is possible to pull out the necessary conditions from the dealer.

  The present invention is not limited to the embodiment described in detail above. In particular, the functions of the respective units shown in FIG. 1 are distributed to a plurality of computers, and these do not interfere with the mode established as the transaction support apparatus 1.

  In addition, the specific configuration of each unit, the processing procedure, and the like can be variously modified without departing from the spirit of the present invention.

The structure explanatory view of the present invention. 1 is a schematic diagram showing a system in an embodiment of the present invention. The figure which shows the hardware resource which the transaction assistance apparatus in the embodiment comprises. The functional block diagram of the transaction assistance apparatus in the embodiment. The figure which shows the hardware resource which the client computer in the embodiment comprises. The flowchart which shows the procedure of the process which the transaction assistance apparatus in the embodiment performs according to a program. The figure which illustrates the information contained in an estimate request. The flowchart which shows the procedure of the process which the transaction assistance apparatus in the embodiment performs according to a program. The figure which illustrates the information stored in a dealer database. The figure which illustrates the information contained in the 1st estimate. The flowchart which shows the procedure of the process which the transaction assistance apparatus in the embodiment performs. The flowchart which shows the procedure of the process which the transaction assistance apparatus in the embodiment performs. The figure which illustrates the information stored in the partition value database. The figure which illustrates the information contained in the 2nd estimate. The flowchart which shows the procedure of the process which the transaction assistance apparatus in the embodiment performs. The flowchart which shows the procedure of the process which the transaction assistance apparatus in the embodiment performs. The flowchart which shows the procedure of the process which the transaction assistance apparatus in the embodiment performs.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Transaction support apparatus 101 ... Quote request reception means 102 ... First estimate acquisition means 103 ... Partition value acquisition means 104 ... Second estimate generation means 105 ... First estimate output means 106 ... Second estimate output means

Claims (16)

Supporting transactions involving customers who purchase or rent goods through installment sales contracts, installment redemption contracts or lease transaction contracts, dealers that supply goods, and brokers that mediate both.
An estimate request accepting means for accepting an estimate request including goods information relating to goods that the customer wishes to purchase or rent through a telecommunication line;
Provided by a dealer capable of supplying the goods corresponding to the goods information included in the request for quotation, a first estimate that is an estimate when the dealer sells or leases the goods to the customer via the telecommunication line A first estimate acquisition means to acquire;
Partition price acquisition means for acquiring a partition value when a dealer capable of supplying the goods provides the broker with the goods from a database or via a telecommunication line;
Second estimate generating means for generating a second estimate that is an estimate when the brokerage company sells or leases the goods to the customer with reference to the partition value;
First estimate output means for outputting the first estimate to be viewed by the customer;
A transaction support apparatus comprising: a second estimate output unit that outputs the second estimate for use by the customer. Supporting transactions involving customers who purchase or rent goods through installment sales contracts, installment redemption contracts or lease transaction contracts, dealers that supply goods, and brokers that mediate both.
An estimate request accepting means for accepting an estimate request including goods information relating to goods that the customer wishes to purchase or rent through a telecommunication line;
Provided by a dealer capable of supplying the goods corresponding to the goods information included in the request for quotation, a first estimate that is an estimate when the dealer sells or leases the goods to the customer via the telecommunication line A first estimate acquisition means to acquire;
Partition price acquisition means for acquiring a partition value when a dealer capable of supplying the goods provides the broker with the goods from a database or via a telecommunication line;
With reference to the first estimate and the partition value, if it is possible to generate a second estimate based on the partition value that reduces the customer's payment amount than the first estimate, the brokerage company A second estimate generating means for generating a second estimate as an estimate when selling or renting goods to the customer;
First estimate output means for outputting the first estimate to be viewed by the customer;
A transaction support apparatus comprising: second estimate output means for outputting a second estimate for use by the customer when the second estimate generation means generates the second estimate. The first estimate includes an interest rate set by the dealer for an installment liability arising from the purchase or rental of the goods,
The transaction support apparatus according to claim 1 or 2, wherein the second estimate generation means sets the interest rate lower than the interest rate included in the first estimate and generates the second estimate. The second estimate generation means is a medium that mediates a transaction in which the customer purchases or rents the goods and interest income obtained under a base interest rate given for the installment obligations generated by the purchase or rental of the goods. The transaction support according to claim 1, 2, or 3, wherein the amount of the expected revenue including at least one of the fee revenues related to the said revenue is calculated, and the interest rate on the installment liability is finally determined according to the amount of the expected revenue apparatus. The first estimate includes the discount set by the dealer for the goods to be purchased or rented,
The transaction support apparatus according to claim 1 or 2, wherein the second estimate generation unit sets the discount amount higher than the discount amount included in the first estimate and generates the second estimate. The first estimate includes a trade-in amount set by the dealer for a predecessor good that is traded in exchange for purchase or rental of the good,
The transaction support apparatus according to claim 1 or 2, wherein the second estimate generation means sets the trade-in amount higher than the trade-in amount included in the first estimate and generates the second estimate. When the request for quotation including goods information regarding a plurality of types of goods designated by the customer as a candidate for purchase or rental is received by the request for estimate request,
The first estimate acquisition means acquires the first estimate for each of a plurality of types of goods corresponding to the goods information included in the request for quotation,
The partition value acquisition means acquires the partition value for each of the plurality of types of goods,
The transaction support device according to claim 1, wherein the second estimate generation means generates the second estimate for each of the plurality of types of goods with reference to the partition value. . When there are a plurality of dealers that can supply goods corresponding to the goods information included in the request for quotation,
The first estimate acquisition means acquires the first estimate presented by each dealer,
8. The first estimate output means selects and outputs one of the first estimates that minimizes the payment amount of the customer. Transaction support device. It is used for configuring the transaction support apparatus according to claim 1, 2, 3, 4, 5, 6, 7 or 8, comprising:
An estimate request accepting means for accepting an estimate request including goods information relating to goods that the customer wishes to purchase or rent;
A first estimate obtained by a dealer capable of supplying goods corresponding to the goods information included in the request for quotation, and obtaining a first estimate that is an estimate when the dealer sells or leases the goods to the customer. Acquisition means,
Partition price acquisition means for acquiring a partition price when a dealer capable of supplying the goods provides the goods to the mediator;
Second estimate generation means for generating a second estimate that is an estimate when the brokerage sells or leases the goods to the customer with reference to the partition value;
First estimate output means for outputting the first estimate to be viewed by the customer; and
A program for functioning as second estimate output means for outputting the second estimate for use by the customer. It is used for configuring the transaction support apparatus according to claim 1, 2, 3, 4, 5, 6, 7 or 8, comprising:
An estimate request accepting means for accepting an estimate request including goods information relating to goods that the customer wishes to purchase or rent;
A first estimate obtained by a dealer capable of supplying goods corresponding to the goods information included in the request for quotation, and obtaining a first estimate that is an estimate when the dealer sells or leases the goods to the customer. Acquisition means,
Partition price acquisition means for acquiring a partition price when a dealer capable of supplying the goods provides the goods to the mediator;
With reference to the first estimate and the partition value, if it is possible to generate a second estimate based on the partition value that reduces the customer's payment amount than the first estimate, the brokerage company Second estimate generating means for generating a second estimate as an estimate when selling or renting goods to the customer;
First estimate output means for outputting the first estimate to be viewed by the customer; and
A program for functioning as second estimate output means for outputting a second estimate for use by the customer when the second estimate generation means generates the second estimate. The first estimate includes an interest rate set by the dealer for an installment liability arising from the purchase or rental of the goods,
The program according to claim 9 or 10, wherein the second estimate generation means sets the interest rate lower than the interest rate included in the first estimate and generates the second estimate. The second estimate generation means is a medium that mediates a transaction in which the customer purchases or rents the goods and interest income obtained under a base interest rate given for the installment obligations generated by the purchase or rental of the goods. 12. The program according to claim 9, 10 or 11, wherein an amount of expected revenue including at least one of the fee revenues related to the fee is calculated, and an interest rate for the installment liability is finally determined according to the amount of the expected revenue. The first estimate includes the discount set by the dealer for the goods to be purchased or rented,
The program according to claim 9 or 10, wherein the second estimate generation unit sets the discount amount higher than the discount amount included in the first estimate and generates the second estimate. The first estimate includes a trade-in amount set by the dealer for a predecessor good that is traded in exchange for purchase or rental of the good,
The program according to claim 9 or 10, wherein the second estimate generation unit sets the trade-in amount higher than the trade-in amount included in the first estimate and generates the second estimate. When the request for quotation including goods information regarding a plurality of types of goods designated by the customer as a candidate for purchase or rental is received by the request for estimate request,
The first estimate acquisition means acquires the first estimate for each of a plurality of types of goods corresponding to the goods information included in the request for quotation,
The partition value acquisition means acquires the partition value for each of the plurality of types of goods,
15. The program according to claim 9, wherein the second estimate generation means generates the second estimate for each of the plurality of types of goods with reference to the partition value. When there are a plurality of dealers that can supply goods corresponding to the goods information included in the request for quotation,
The first estimate acquisition means acquires the first estimate presented by each dealer,
16. The first estimate output means selects and outputs one of the first estimates that minimizes the payment amount of the customer. Program.

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