JP2008052611A - Display device, display method, program allowing computer to execute the display method, and recording medium recorded with the program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a display device and the like for displaying information to enhance appeal effects on a customer who makes a decision on purchase and the like so as to expand auto loan to be convenient for the customer, a credit company, and a sales company. <P>SOLUTION: When purchasing an article which needs maintenance and loan interest is charged by a sales price of the article and a service price of selected maintenance, a display device 100 for displaying a total sum including the price added by the load interest is provided with: a calculation processing part 150 for calculating a reference total sum which includes the sales price and a price after normal interest to be reference is applied to the sales price within a prescribed period of payment and calculating a comparative total amount which includes the sales price and the service price of the selected maintenance and a price after comparative interest set lower than the normal interest is applied to the sales price and the service price of the selected maintenance within the identical period of payment; and a display part 160 for displaying a comparison picture part 130 which simultaneously displays the reference total amount and the comparative total amount. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a display device, a display method, a program capable of causing a computer to execute the display method, and a recording medium on which the program is recorded, and in particular, the selling price of an article when purchasing an article requiring maintenance. The present invention relates to a display device for displaying a total amount including a loan interest rate when a loan interest occurs in a sales amount and a service amount in addition to a sales amount including at least a service amount including a service main body price of a selected maintenance.

  Generally, payment methods for buying and selling vehicles such as automobiles can be broadly classified into three types: “cash payment”, “payment using auto loan”, and “payment using cash and auto loan”. Furthermore, “cash payment” can be classified into “own funds”, “borrowed funds from financial institutions”, and “borrowed funds from relatives”. Here, the “auto loan” is a loan that is made at the time of purchasing an automobile, and is a form in which a customer pays to a store with a credit sales company on behalf of the credit sales company. The credit sales company can make a profit from installment payments that are repaid monthly from the customer, and the dealer can concentrate on the sales without worrying about the risk of collection. It is said that people who make contracts by payment methods other than self-cash payments account for about 60% of the total, but those who pay by using auto loans account for about 15-25% of the total contracts. It is said.

  By the way, the automobile sales industry and the automobile maintenance industry are so-called mature industries, and the number of new car sales in Japan is slightly less than 4 million a year (based on registered cars), which has been at the peak for several years. In addition, the number of mini vehicles is about 1.8 million a year. The number of registered new cars is expected to follow a declining trend for some time in the future due to the aging population and declining birthrate. Specifically, some reports predict that 76 million vehicles will drop to 60 million.

  In view of these circumstances, dealers of each automobile manufacturer focus on sales activities other than vehicle sales such as vehicle inspections, periodic inspections, and acquisition of voluntary insurance, thereby strengthening the customer base and strengthening the management base. ing. As a technique for concluding a contract including services other than sales of a vehicle at the time of vehicle purchase and managing the payment of those charges in a unified manner, there is a technique disclosed in Patent Document 1.

  The technique shown in Patent Document 1 displays information for concluding incidental services such as automobile insurance, vehicle insurance, vehicle maintenance, automobile inspection service, and road service in addition to vehicle sales on a screen and presents it to a customer. This is a technology that allows customers to select their services, conclude contracts for multiple types of services, and centrally manage their payments.

Japanese Patent Laid-Open No. 2002-15174

  However, even with the technique described in Patent Document 1, the number of people who pay by using auto loans is as small as about 15 to 25%. The main cause is the high interest rate. The reason for the high interest rate when paying by using an auto loan is that the user-applicable interest rate is used.

  Hereinafter, the user applied interest rate will be described. The credit sales company and the retail store determine a base interest rate when signing a handling contract, and the retail store sets a user applicable interest rate based on the base interest rate. The user concludes an auto loan contract with a credit sales company at a user-applicable interest rate set by the dealer. At this time, if the user-applicable interest rate is higher than the reference interest rate, a handling fee is paid from the credit sales company to the dealer. Therefore, the user applied interest rate is inevitably set high. This is the main reason why auto loans are difficult to use, and it is difficult to say that it is desirable for customers, credit sales companies and sales companies.

  In other words, the technology shown in Patent Document 1 is a technology to which an auto loan is applied. One contract pattern is displayed on one screen, and the total amount of contracted services and the calculation of the loan for the contract are calculated. It has only gone and displayed, and it has not reached a technology that can expand auto loans to be convenient for customers, credit companies, and dealers.

  Therefore, the present invention provides a display device and a display method for displaying information that enhances the appeal effect for a customer who makes a decision such as purchase, in order to extend the auto loan to a convenient one for a customer, a credit sales company, and a store. An object of the present invention is to provide a program capable of causing a computer to execute a display method, and a recording medium on which the program is recorded.

  In the invention according to claim 1, in addition to the sales amount including at least the sales main unit price of the article and the service amount including at least the service main unit price of the selected maintenance when purchasing the article requiring maintenance, the sales amount and the When a loan interest is incurred in the service amount, on the display device that displays the total amount including the amount due to the loan interest, the amount due to the application of the first interest rate that is the basis for the sales amount and the sales amount during a predetermined repayment period And the sales amount and the selected maintenance service amount, and the sales amount and the selected maintenance service amount are set lower than the first interest rate in the same period as the repayment period. A calculation means for calculating a comparative total amount including an amount due to the application of the second interest rate; And display means for displaying serial calculated reference aggregate and the calculated comparative total time. Here, what is included in the sales amount includes, in addition to the amount related to accessories, for example, registration costs such as acquisition tax and weight tax if the article is a car. Examples of what is included in the service price include various expenses at the time of vehicle inspection such as a weight tax at the time of vehicle inspection if the article is a vehicle.

  According to a second aspect of the present invention, in the display device according to the first aspect, the calculating means calculates a difference due to the interest rate between the amount due to the application of the first interest rate and the amount due to the application of the second interest rate. The display means also displays the difference due to the calculated interest rate.

  In the invention according to claim 3, in the display device according to claim 1 or 2, the display means simultaneously displays a value indicating the first interest rate and a value indicating the second interest rate.

  According to a fourth aspect of the present invention, in the display device according to any one of the first to third aspects, the calculating unit calculates a difference regarding a total amount between the calculated reference total amount and the calculated comparison total amount, The display means displays information based on the difference regarding the total amount and information indicating the selected maintenance.

  In the invention according to claim 5, in the display device according to claim 4, the information based on the difference regarding the total amount is information indicating an amount to be paid for each payment period.

  In the invention according to claim 6, in addition to the sales amount including at least the sales main unit price of the article and the service amount including at least the service main unit price of the selected maintenance at the time of purchasing the item requiring maintenance, the sales amount and the In the display method for displaying the total amount including the amount of the loan interest when the loan interest is incurred in the service amount, the calculation means displays the amount of the sales amount and the amount of the first interest rate applied as a reference to the sales amount. Calculating the reference total amount, including the sales amount and the selected maintenance service amount, and the amount resulting from the application of a second interest rate different from the first interest rate to the sales amount and the selected maintenance service amount. The total comparison amount is calculated, and the display means calculates the calculated reference total amount and the calculated total amount. At the same time to display the comparison total. Here, what is included in the sales amount includes, in addition to the amount related to accessories, for example, registration costs such as acquisition tax and weight tax if the article is a car. Examples of what is included in the service price include various expenses at the time of vehicle inspection such as a weight tax at the time of vehicle inspection if the article is a vehicle.

  In the invention according to claim 7, in addition to the sales amount including at least the sales main unit price of the article and the service amount including at least the service main unit price of the selected maintenance when purchasing the item requiring maintenance, the sales amount and the In a display method for displaying a total amount including a loan interest amount when a loan interest is generated in the service amount, the calculation means includes the sales amount, the selected basic maintenance service amount, the sales amount, and the selected basic maintenance. Calculating the reference total amount including the amount resulting from the application of the reference first interest rate to the service amount of the service, the service amount of each of the selected maintenance including the sales amount and the basic maintenance, and the sales amount And each of the selected multiple maintenance A comparison total amount including the amount due to the application of the second interest rate different from the first interest rate to the service amount is calculated, and the display means simultaneously displays the calculated reference total amount and the calculated comparison total amount. . Here, what is included in the sales amount includes, in addition to the amount related to accessories, for example, registration costs such as acquisition tax and weight tax if the article is a car. Examples of what is included in the service price include various expenses at the time of vehicle inspection such as a weight tax at the time of vehicle inspection if the article is a vehicle.

  The invention according to claim 8 is a program capable of causing a computer to execute the display method according to claim 6 or 7.

  The invention according to claim 9 is a recording medium on which the program according to claim 8 can be executed by a computer.

  According to the present invention, since the total amount based on the first interest rate and the first interest rate that are different from each other are displayed simultaneously, for example, the total amount based on the second interest rate that is set low can be displayed at the same time. And the amount to which the first interest rate is applied includes the sales unit price of the goods, and the amount to which the second interest rate is applied includes the sales unit price of the goods and the service main unit price of the selected maintenance, or The amount to which the first interest rate is applied includes the sales unit price of the article and the service unit price of the selected basic maintenance, and the amount to which the second interest rate is applied includes the sales unit price of the article and the basic maintenance Since the price of the service for each of the selected maintenances is included, if the customer understands in advance or the contents can be recognized, it will depend on the interest rate. We can judge advantages and disadvantages. On the other hand, for retailers that are supposed to sell goods and perform maintenance, simply apply a fixed interest rate to the sale of goods only or the combination of the sale of goods and the provision of maintenance services. Rather than adjusting the relationship between the interest rate and the maintenance service selected in consideration of the provision of maintenance services during the loan repayment period, etc., maintenance is performed while obtaining total cash based on continuous loan payments. You can build a sales strategy that secures continuous work. In addition, if there is a loan agreement between the dealer and the credit sales company, the credit sales company will receive the profit from the sales for the reason described above. Profits can be obtained from interest rates determined between the two.

  Hereinafter, embodiments of the present invention will be described. In addition, this invention is not limited by the following examples.

  FIG. 1 is a block diagram showing an example of the configuration of the display device of the present invention.

  The display device 100 includes a storage unit 110, a processing unit 120, and a comparison screen unit 130. The storage unit 110 includes a customer information unit 111, a vehicle type information unit 112, an accessory information unit 113, a maintenance information unit 114, and an estimate information unit 115. The processing unit 120 includes a basic information processing unit 140, a calculation processing unit 150, and a display unit 160. Further, the basic information processing unit 140 includes a customer information input processing unit 141, a vehicle type selection processing unit 142, an expense processing unit 143, an accessory selection processing unit 144, and a maintenance item selection processing unit 145. The calculation processing unit 150 includes a payment calculation unit 151 and a loan calculation unit 152, and the loan calculation unit 152 includes a normal interest rate calculation unit 153 and a comparative interest rate calculation unit 154.

  An outline of processing of the display device 100 of the present invention will be described. A customer who plans to purchase a vehicle visits a car dealership. A customer who visits determines the vehicle to be purchased and decides whether or not to purchase. The display device 100 of the present invention is used for the decision making. First, customer information of a customer who is making a purchase decision is registered. Next, the vehicle type, accessories, and maintenance items of the vehicle to be purchased are selected. Based on the selected content, various expenses are calculated, payment amount is calculated, loan is calculated, etc. At this time, a calculation using a general user interest rate (hereinafter referred to as a normal interest rate) and a calculation based on an interest rate set lower than the normal interest rate (hereinafter referred to as a comparative interest rate) are performed. The result calculated at each interest rate is displayed on the screen. The dealer and the customer make a business negotiation while looking at the comparison screen, and when the business negotiation is collected, the estimation process is performed, and the estimation information unit 115 is created.

  Next, processing of the display device 100 of the present invention will be described in detail. FIG. 2 is a flowchart showing an example of processing of the display device 100 of the present invention.

  First, when a customer who intends to purchase a vehicle arrives, the customer determines a vehicle to be purchased and determines that vehicle. When a vehicle to be purchased is decided, a decision is made as to whether or not to purchase. At that time, the final decision is made while negotiating with the dealer. Therefore, first, in step ST201, customer information input processing is performed by the customer information input processing unit 141 in FIG.

  Here, the customer information input process will be described in detail. FIG. 3 is a flowchart showing an example of the customer information input process. FIG. 4 shows an example of an initial screen, and FIGS. 5 to 7 show examples of screens for performing customer information input processing.

  4 is selected, the customer information input screen (hereinafter referred to as customer information input screen) 401 shown in FIG. 5 is activated in step ST301 of FIG. When the person in charge is selected, the customer information input screen 401 in FIG. 6 is activated. In step ST302, it is determined whether or not the customer is the first customer. In the case of the first customer, in step ST303, the name input unit 403, address input unit 405, address address input unit 407, telephone number input unit 409, and mobile phone number input unit 411 of the customer information input screen 401 shown in FIG. Customer information is input to each input item. When the input of customer information is completed, an input end button 413 on the customer information input screen 401 shown in FIG. 6 is pressed in step ST304. Next, in step ST305, the contents input to each input unit are checked. In this check, it is checked whether the name input unit 403 and the address input unit 405 which are essential input units are input. In step ST306, as a result of the check, it is determined whether or not there is a problem with the content input to the input unit. If there is a problem in the content input to the input unit, in step ST311, the input unit having a problem and an error message are displayed on the screen of the customer information input screen 401 shown in FIG. For example, when the input end button 413 is pressed without inputting the address input 405, a message such as “Address is mandatory input” is displayed. When the message content is confirmed, the process returns to step ST303 to perform the input process of the input unit having the problem again. This process is repeated until all input units have no problem. If it is determined in step ST306 in FIG. 3 that there is no problem in the input unit, registration processing is performed in step ST307. In this registration process, the customer information input screen 401 shown in FIG. 6 is displayed as it is, and the customer information input on the screen is registered in the customer information unit 111 of FIG.

  If it is not the first customer in step ST302 (if the customer information is already registered in the customer information unit 111 in FIG. 1), a customer information search process is performed in step ST308. In this process, first, the customer name is input to the name input unit 403 of the customer information input screen 401 shown in FIG. 6 to obtain the customer information input screen 401 shown in FIG. The customer information registered in the customer information unit 111 in FIG. 1 is extracted with the same name as the name input in the name input unit 403 on the screen. Next, in step ST309, the extracted customer information is displayed on each input unit of the screen. At this time, when there are a plurality of pieces of customer information to be extracted, that is, when customers with the same surname have been registered, the address input unit 405 is also input using the address candidates that can be selected by the button 406 in FIG. Only customer information that matches both the name input to the input unit 403 and the address input to the address input unit 405 is extracted.

  In addition, when the customer of the same surname and the same name is registered, all target customer information may be displayed in a list on another screen, and the corresponding customer may be selected from the list.

  Returning to FIG. 3, when the processing so far is completed and the customer information is displayed on the screen, the vehicle selection button 414 on the customer information input screen 401 is pressed in step ST <b> 310 to shift to the vehicle selection processing.

  Returning to FIG. 2, when the customer information input process is completed in step ST201, the vehicle type selection processing unit 142 of FIG. 1 performs vehicle type selection processing in step ST202.

  Here, the vehicle type selection process will be described in detail. FIGS. 8 to 11 show examples of screens for performing vehicle type selection processing.

  When the vehicle selection button 414 shown in FIG. 6 is pressed, a table on the database called the vehicle type information unit 112 in FIG. 1 is accessed, and the vehicle type (vehicle name, general name), grade, drive, shift, It is determined whether or not the vehicle body color has been registered in the past. If the vehicle body color has been registered in the past, a list of information on the vehicle type is displayed in the list 501 as shown in FIG. As shown in FIG. 9, when the customer selects a vehicle type that the customer desires to purchase from the list 501, detailed information regarding the selected vehicle type is displayed on the vehicle type information display unit 503 on the screen. Further, as shown in FIG. 10, when information is input to the input items of the vehicle type information display unit 503, the vehicle types corresponding to the input information are displayed in the list 501 and can be selected from the list. Here, when information is input to the input items of the vehicle type information display unit 503, if the vehicle types corresponding to the input information are displayed only in the list 501, the number of cases displayed in the list 501 can be reduced. For example, if “2WD” is entered in the “drive” item, only information related to the vehicle type “2WD” is displayed in the list 501. In the case where it is desired to purchase a vehicle type that is not registered in the vehicle type information unit 112 in FIG. 1 (when the vehicle that the customer desires to purchase is not displayed in the list 501), the vehicle type information display unit 503 on the screen relates to the vehicle type. Enter information. If the information on the vehicle type displayed or input on the vehicle type information display unit 503 is the information on the vehicle type desired to be purchased, the selection end button 505 is pressed to end the vehicle type selection process. At this time, in the case of a new vehicle type that is not registered in the vehicle type information unit 112 in FIG. 1, processing for registering information input in the vehicle type information display unit 503 in the vehicle type information unit 112 in FIG. 1 is also performed.

  At this time, the vehicle name, general name, grade, drive, shift, vehicle body color, and axle classification can be selected by a combo box.

  Returning to FIG. 2, when the vehicle type selection process ends in step ST202, the accessory selection processing unit 144 of FIG. 1 performs accessory selection processing in step ST203.

  Here, the accessory selection process will be described in detail. FIG. 11 shows an example of a screen for performing accessory selection processing.

  After the vehicle type selection process in step ST202, when the cursor is moved to any input item in the accessory information display unit 603 in FIG. 10, the list 501 shown in FIG. 10 is changed to the list 601 shown in FIG. The The list 601 displays a list of information related to accessories of the vehicle type selected in FIG. The information regarding the accessory displayed in the list 601 is information registered in the accessory information unit 113 of FIG. When an accessory that the customer desires to purchase is selected from the list 601, the accessory information is added and displayed in the accessory information display section 603 on the screen. If the accessory information displayed on the accessory information display unit 603 is correct in the accessory information desired to be purchased, the maintenance content confirmation button 607 is pressed to end the accessory selection process. At this time, if the maintenance content has not been confirmed once, if the proposal screen button 605 is pressed, a message indicating that the maintenance content has not been confirmed is displayed and it is not possible to proceed to the proposal screen.

  Returning to FIG. 2, when the accessory selection process ends in step ST203, the maintenance item selection process 145 of FIG. 1 performs the maintenance item selection process in step ST204.

  Here, the maintenance item selection process will be described in detail. FIGS. 12 to 15 show examples of screens for performing maintenance item selection processing.

  In the vehicle type selection process in step ST202 and the accessory selection process in step ST203, when the maintenance content confirmation button 607 is pressed, the vehicle inspection / inspection maintenance item selection screen in FIG. 12 (hereinafter referred to as a maintenance content confirmation screen). 700 is activated. A table 701 on the left end displays a list of work and replacement contents to be performed at the time of vehicle inspection and maintenance (36th month). The middle table 703 displays a list of work and replacement contents to be performed at the 12-month inspection (12th, 24th and 48th months after registration). The table 705 on the right end displays a list of work and replacement contents to be performed as needed during other periods. The maintenance item information displayed in these tables is information registered in the maintenance information section 114 of FIG. 1, and displays the maintenance work content, unit price, and the number of times. In the maintenance information section 114 of FIG. 1, information on maintenance items that are initially set for each vehicle type and customized maintenance information are registered, and information on maintenance items corresponding to the vehicle type selected in step ST202 is displayed on the screen. Is initially displayed. For example, if the vehicle type selected in step ST202 is a light passenger car, information on maintenance items and information on maintenance items for light passenger cars are initially displayed. In addition, although the time of a vehicle inspection changes with kinds, such as a passenger car and a freight car (a small cargo is included), what is necessary is just to combine the time of a vehicle inspection and a 12-month inspection suitably according to the kind.

  The initially displayed information can be changed by pressing a change button 714. For example, a maintenance item for a light passenger car can be changed to a maintenance item for an ordinary passenger car or a customized maintenance item registered in advance. Maintenance items can also be customized on the spot according to customer requirements. In this case, the creation / correction button 711 for the action item is pressed. Tables 713, 715, and 717 can be displayed on another screen shown in FIG. 13, and the maintenance work contents, the exchange contents and the number of times, and the like are displayed. Specifically, as shown in FIG. 14, for example, when a selection is made in the table 713, the work contents and the exchange contents are displayed in the table 715, and the selection items are displayed in the table 717. Then, the selection in Table 717 is performed as shown in FIG. If these pieces of information are new, they are newly registered in the maintenance information unit 114 in FIG. Note that buttons 719, 721, and 723 shown in FIGS. 13 to 15 are pressed as necessary. The information of the maintenance item of the final proposal content displayed on the screen shown in FIG. 12 reflecting the content shown in FIG. 15 is confirmed, and if there is no mistake, the button 707 is pressed to the business negotiation screen to start a screen for business negotiation. To do. When it is desired to return to the vehicle type selection screen / accessory selection screen in FIG. 8 or the like, the close button 709 is pressed to close the screen in FIG.

  Returning to FIG. 2, when the maintenance item selection process ends in step ST204, the calculation process is performed in step ST205. In this calculation processing, various expenses are calculated by various expenses processing unit 143 in FIG. 1, payment is calculated by payment calculation unit 151, a loan is calculated at normal interest by normal interest calculation unit 153, and comparative interest calculation unit At 154, the loan is calculated at the comparative interest rate.

  Here, each calculation process will be described. The calculation of various expenses by the various expense processing unit 143 calculates taxes, insurance premiums, registration costs, accessory costs, and the like necessary for registration. In addition, maintenance costs and deposits such as taxes required for maintenance are also calculated. In the calculation of the payment by the payment calculation unit 151, the total payment to be paid by the customer, which is the sum of the cost calculated by the various cost processing unit 143, the selling price of the vehicle body, and the like is calculated. The normal interest rate calculation unit 153 calculates the loan at the normal interest rate when the loan is formed at an interest rate of 6 to 8%, which is a general auto loan interest rate, with respect to the total payment amount (the number of payments is arbitrary for each customer) The total payment amount, credit amount, interest, etc. are calculated. The calculation of the loan at the comparative interest rate by the comparative interest calculation unit 154 is when the loan is formed at an interest rate of about 1% which is much lower than the interest rate of a general auto loan (the number of payments is arbitrarily determined for each customer) Calculate the total payment, credit amount, interest, etc.

  Regarding the interest rate calculated by the comparative interest rate calculation unit 154, a contract is previously concluded between the dealer and the credit sales company so that the dealer bears the interest that falls below the reference interest rate. As a result, the credit sales company can secure profits from the base interest rate. In addition, the dealer bears the burden of interest, but can secure profits from maintenance costs. Furthermore, customers can be enclosed by performing maintenance after purchase.

  Returning to FIG. 2, the result calculated in step 205 is displayed on the comparison screen unit 130 by the display unit 160 of FIG. 1 in step ST206.

  Here, the comparison screen unit 130 will be described. FIG. 16 shows an example of the comparison screen.

  In FIG. 16, the basic information display unit 810 displays customer information, information on purchase desired vehicles, basic information on payment, and the like. The trade-in vehicle price 811, down payment 812, garage certificate 813, number of payments 814, and bonus addition amount 815 are arbitrarily input for each customer. When there is an input, recalculation is performed by the calculation processing unit 150 in FIG. 1 based on the input information.

  The comparison display unit 820 on the screen includes a comparative interest rate calculation display unit 822, a normal interest rate calculation display unit 824, and an interest rate difference display unit 826. In the comparative interest rate calculation display unit 822 and the normal interest rate calculation display unit 824, the total payment amount (total amount paid by the customer), the credit amount (the amount subject to the loan), the interest during the period (interest by the loan interest rate), the first time (the first payment) Amount) The second and subsequent times (payment amount per month after the second time) and the bonus addition amount (amount to be paid at the time of the bonus) are displayed. The result calculated by the normal interest rate calculation unit 153 in FIG. 1 is displayed on the normal interest rate calculation display unit 824, and the result calculated by the comparison interest rate calculation unit 154 is displayed on the comparison interest rate calculation display unit 822. Further, the interest difference display section 826 between the comparative interest calculation display section 822 and the normal interest calculation display section 824 displays the interest difference due to interest. This difference is the difference between the interest when a loan is made at a normal interest rate for the total payment amount not including the maintenance fee and the interest when the loan is set at a comparative interest rate for the total payment amount including the maintenance fee. Is displayed. In other words, the customer can instantly recognize the reduction of the payment amount due to interest rate differences. Here, interest is reduced by 193,505 yen due to interest rate differences.

  The screen option display unit 830 includes a vehicle inspection operation display unit 832, an occasional operation display unit 834, a 12-month inspection operation display unit 836, an accessory display unit 838, and a monthly difference display unit 831. The vehicle inspection operation display unit 832 displays the same information as the table 701 in FIG. The same information excluding the table 705 of FIG. 12 and unit price information is displayed in the work display unit 834 as needed. The 12 month inspection work display unit 836 displays the same information except for the table 703 in FIG. 12 and unit price information. The same information excluding the information displayed on the accessory information display unit 603 in FIGS. 8 to 11 and the unit price information (quantity information) is displayed on the accessory display unit 838. The monthly difference amount display portion 831 displays the difference between the monthly payment amount when a loan is formed at a normal interest rate and the monthly payment amount when a loan is formed at a comparative interest rate.

  In Fig. 16, regarding the monthly payment amount, when the loan is made at the normal interest rate for the total payment amount not including the maintenance fee, the loan is made at the comparative interest rate against the total payment amount including the maintenance fee. It is about 1,200 yen cheaper than the case. However, customers can instantly recognize that they can receive all the services related to maintenance displayed on the option display unit 830 and the maintenance cost display unit 805 of the screen by paying only 1,200 yen per month. it can. Depending on the combination of the normal interest rate, comparative interest rate, interest rate amount, loan period, etc., not only the interest rate difference but also the monthly payment amount will be loaned at the comparative interest rate against the total payment amount including the maintenance fee. If this is the case, it may be cheaper than a loan with a normal interest rate for the total payment that does not include maintenance fees. By conducting a business negotiation using such a screen, the customer can usually allocate the amount paid as the interest rate to the maintenance cost. In addition, the dealer bears the difference between the interest of the base interest rate negotiated with the credit sales company and the interest of the set comparative interest rate, but can secure the profit by performing the maintenance. Therefore, negotiations are easier to be organized, leading to an increase in the number of units sold, and customers can purchase vehicles at a low interest rate. In addition, the use of auto loans will increase, so it will be a plus for credit sales companies.

  The registration expense display portion 840 of the screen displays details of expenses necessary for registration of the vehicle and expenses such as accessories. The maintenance cost display section 850 displays details of deposits such as maintenance costs and taxes required for maintenance. The information displayed on the registration cost display unit 840 and the maintenance cost display unit 850 is the cost calculated by the cost processing unit 143 of FIG.

  As described above, by simultaneously displaying information on a case where a loan is formed at a normal interest rate and a case where a loan is formed at a comparative interest rate on one screen, a customer can instantaneously compare. In addition, the customer can effectively allocate the cost for the interest rate to the maintenance cost, which makes it easy for the customer to make a contract. In addition, it is possible for dealers to sell products because it becomes easier for customers to make contracts, leading to higher sales and securing profits from maintenance. Furthermore, since the connection with the customer is secured even after the vehicle purchase by maintenance, the customer can be enclosed. In addition, using auto loans will increase the sales of credit companies.

  Returning to FIG. 2, when the comparison screen is displayed in step ST206 and the negotiation is completed, an estimation process is performed in step ST207. In this estimation process, the estimate shown in FIG. 17 is created based on the contents gathered in the negotiation, and the estimate is registered in the estimate information section 115 in FIG. 1, and then the proposal confirmation (contract) button 901 is pressed. The dealer and the customer will formally enter into a sales contract. The information registered in the estimate information section 115 can be displayed as the existing data citation screen shown in FIG. 18, and the existing data citation button 903 is pressed to enable citation at the next negotiation.

  In addition, it is not always necessary to select an accessory for the vehicle type selection process and the accessory selection process.

  In addition, regarding the interest rate of the loan, the comparative interest rate may be set to an interest rate that will yield the profit of the dealer in consideration of the economic situation.

  Furthermore, the present invention need not be limited to vehicles, and can be applied to any apparatus that requires maintenance even after purchase of a copy machine or the like.

  Furthermore, in the above embodiment, when the normal interest rate is applied, the calculation is performed without including the maintenance service amount (including at least the service price), but the maintenance service amount is included in the calculation. May be. At that time, when the comparative interest rate is applied, more maintenance may be included than when the normal interest rate is applied.

  Further, in the above embodiment, the repayment period is the same whether the normal interest rate is applied or the comparative interest rate is applied, but the repayment periods may be set with different values.

  Furthermore, the setting of the comparative interest rate may be changed in conjunction with the content of maintenance. For example, the comparative interest rate may be set low when performing a lot of maintenance, and the comparative interest rate may be set slightly higher when only a small maintenance contract is concluded.

It is a block diagram showing an example of a configuration of a display device of the present invention. It is a flowchart which shows an example of a process of the display apparatus 100 of this invention. It is the flowchart which showed an example of the input process of customer information. It is the figure which showed an example of the initial screen. It is a 1st figure which shows an example of the screen for performing the input process of customer information. It is a 2nd figure which shows an example of the screen for performing the input process of customer information. It is a 3rd figure which shows an example of the screen for performing the input process of customer information. It is a 1st figure which shows an example of the screen for performing the selection process of a vehicle type. It is a 2nd figure which shows an example of the screen for performing the selection process of a vehicle type. It is a 3rd figure which shows an example of the screen for performing the selection process of a vehicle type. It is a 4th figure which shows an example of the screen for performing the selection process of a vehicle model (accessory). It is a 1st figure which shows an example of the screen for performing the selection process of a maintenance item. It is a 2nd figure which shows an example of the screen for performing a maintenance item selection process. It is a 3rd figure which shows an example of the screen for performing the selection process of a maintenance item. It is a 4th figure which shows an example of the screen for performing the selection process of a maintenance item. It is a figure which shows an example of the comparison screen as a negotiation screen. It is a figure which shows an example of a contracted estimate registration screen. It is a figure which shows an example of the existing data quotation screen.

Explanation of symbols

100 Display Device 150 Calculation Processing Unit 160 Display Unit

Claims (9)

When a loan interest rate is generated on the sales amount and the service amount in addition to the sales amount including at least the sales unit price of the article and the service amount including at least the service main unit price of the selected maintenance when purchasing the item requiring maintenance In the display device that displays the total amount including the amount of the loan interest,
Calculate the reference total amount including the sales amount and the amount resulting from the application of the reference first interest rate to the sales amount in a predetermined repayment period, and the sales amount and the selected maintenance in the same period as the repayment period Calculating means for calculating a comparative total amount including the amount of the service amount and the sales amount and the selected maintenance service amount including a second interest rate set lower than the first interest rate;
And a display unit for simultaneously displaying the calculated reference total amount and the calculated comparison total amount. The calculating means calculates a difference due to the interest rate between the amount due to the application of the first interest rate and the amount due to the application of the second interest rate,
The display device according to claim 1, wherein the display unit also displays a difference due to the calculated interest rate.   The display device according to claim 1, wherein the display unit simultaneously displays a value indicating the first interest rate and a value indicating the second interest rate. The calculation means calculates a difference regarding the total amount between the calculated reference total amount and the calculated comparison total amount,
The display device according to claim 1, wherein the display unit displays information based on a difference regarding the total amount and information indicating the selected maintenance.   The display device according to claim 4, wherein the information based on the difference regarding the total amount is information indicating an amount to be paid for each payment period. When a loan interest is generated on the sales amount and the service amount in addition to the sales amount including at least the sales unit price of the item and the service amount including at least the service unit price of the selected maintenance at the time of purchasing the item requiring maintenance In the display method to display the total amount including the amount of the loan interest,
The calculating means calculates a reference total amount including the sales amount and the amount resulting from the application of the first basic interest rate to the sales amount, and the sales amount, the selected maintenance service amount, the sales amount, Calculating a comparative total amount including the amount resulting from the application of a second interest rate different from the first interest rate to the selected maintenance service amount;
A display method, wherein the display means simultaneously displays the calculated reference total amount and the calculated comparison total amount. When a loan interest rate is generated on the sales amount and the service amount in addition to the sales amount including at least the sales unit price of the article and the service amount including at least the service main unit price of the selected maintenance when purchasing the item requiring maintenance In the display method to display the total amount including the amount of the loan interest,
The calculation means calculates a reference total amount including the sales amount, the selected basic maintenance service amount, and the sales amount and the amount resulting from the application of the first basic interest rate to the selected basic maintenance service amount. And a second interest rate different from the first interest rate for each of the selected service amounts including the sales amount and the basic maintenance, and each of the sales amount and the selected service amounts of the plurality of maintenances. Calculate the total amount including the amount applied,
A display method, wherein the display means simultaneously displays the calculated reference total amount and the calculated comparison total amount.   A program capable of causing a computer to execute the display method according to claim 6 or 7. 9. A recording medium on which the program according to claim 8 is recorded so that the computer can execute it.