JP2019016171A - New automobile sales method - Google Patents

New automobile sales method Download PDF

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JP2019016171A
JP2019016171A JP2017133175A JP2017133175A JP2019016171A JP 2019016171 A JP2019016171 A JP 2019016171A JP 2017133175 A JP2017133175 A JP 2017133175A JP 2017133175 A JP2017133175 A JP 2017133175A JP 2019016171 A JP2019016171 A JP 2019016171A
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price
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new car
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JP7150239B2 (en
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隆徳 香西
Takanori Kozai
隆徳 香西
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Surfcar
Surfcar Co Ltd
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Abstract

To provide a new automobile sales system and method for reducing loan burden of a purchaser at time of purchasing a new automobile and increasing the number of new automobile sales.SOLUTION: A new automobile sales system includes: means for predicting a used car price of a new automobile model after n years; means for obtaining a difference s obtained by subtracting a used car price from a sales price of the new automobile model; means for setting a loan amount and a period thereof based on an amount of s plus a profit x; and means for suggesting the new automobile model to a purchaser. A new automobile sales method includes steps of predicting the used car price of the new automobile model after n years; obtaining the difference s obtained by subtracting the used car price after n years from the sales price of the new car; setting the loan amount and the period thereof based on the amount of s plus a profit x; and suggesting the new automobile model to the purchaser.SELECTED DRAWING: Figure 1

Description

本発明は、新車の販売方法および未来の中古車の買い取り価格の予想、売却方法、およびそれらのシステムに関する。より詳しくは、中古車買い取り条件込で新車を販売し、一定期間後中古車を買い戻して売却する方法およびシステムに関する。   The present invention relates to a method for selling a new car, a prediction of a purchase price of a future used car, a method for selling, and a system thereof. More specifically, the present invention relates to a method and system for selling a new car including conditions for buying a used car, and buying and selling the used car after a certain period.

近年、若者の車離れが進み、29歳以下世帯の車両の所有率は50%を切り、カーシェアリングの影響等もあり、新車の販売台数が減少傾向にある。それに伴って、中古車も市場に出回る数が減少し、中古車不足が問題になっている。   In recent years, young people have moved away from their cars, and the ownership rate of vehicles under 29 years of age has fallen below 50%. Along with this, the number of used cars on the market has decreased, and the shortage of used cars has become a problem.

一方、日本経済全体が伸び悩み、また若い世代の収入が10年前と比較し減少しており新車を購入するのに十分な収入を得ていないという問題もある。すなわち、高額な頭金、月々やボーナス時の支払いができないために、車を買えないという問題もある。   On the other hand, the Japanese economy as a whole is sluggish, and the income of younger generations is decreasing compared to 10 years ago, and there is a problem that they do not have enough income to purchase new cars. That is, there is also a problem that a car cannot be bought because a large down payment, monthly or bonus payments cannot be made.

また、高級車を購入した場合に高額な頭金、初期費用とローンの支払いが重荷になり、新車に買い換える余裕がないという問題もあった。   In addition, there was a problem that when a luxury car was purchased, a large down payment, initial cost and loan payment were burdened, and there was no room for replacement with a new car.

かかる問題を解決する方法として、新車価格からn年後の中古車価格を差し引いた差分額を計算してリースする方法がある(特許文献1)。しかしながら、この方法では、車の所有者はリース会社となり、新車販売額がリース会社の契約状況に左右されるという問題があった。また、リースは初期購入時の諸経費や複数年の税金やメンテナンス費用にも金利がかかるという最大の欠点がある。また、リースを受ける需用者も新車販売会社だけでなく、リース会社にもマージンを支払う必要があり、必ずしも新車を安く購入できるとは限らなかった。さらに、ユーザーの中には、車をリースではなく、自己の所有物として持ちたいという要望もあった。   As a method for solving such a problem, there is a method of leasing by calculating a difference amount obtained by subtracting a used car price after n years from a new car price (Patent Document 1). However, this method has a problem that the owner of the car becomes a leasing company, and the sales amount of the new car depends on the contract status of the leasing company. In addition, leasing has the biggest drawback of incurring interest on the initial purchase expenses, multi-year taxes and maintenance costs. In addition, consumers who receive a lease need to pay not only a new car sales company but also a leasing company, and it has not always been possible to purchase a new car at a low price. In addition, some users wanted to have a car as their property, not a lease.

そこで、収入が多くない需要者が、直接安価に新車を購入できるシステムが求められていた。   Therefore, there has been a demand for a system that allows consumers who do not have much income to purchase new cars directly at low cost.

特開2009−169701JP 2009-169701 A

新車購入時の購入者のローン負担を小さくして、新車販売台数を増やす新車販売システムおよび方法が提供される。   A new vehicle sales system and method are provided that reduce the loan burden on buyers when purchasing a new vehicle and increase the number of new vehicle sales.

本明細書によれば以下の発明が提供される。
(1)新車販売システムであって、
該新車車種のn年後の中古車価格を予想する手段と、
該新車の販売価格から該n年後の中古車価格を減じた差額sを求める手段と、
sに利益xを加えた額に基づきローン額と期間を設定する手段と、
購入希望者に提案する手段と
を備えた、新車販売システム。
(2)会員システムである、(1)のシステム。
(3)寄付管理システムを含むことを特徴とする、(1)または(2)のシステム。
(4)少なくとも3年毎に新車を買い換えるシステムである、(1)〜(3)のいずれかのシステム。
(5)n年後に中古車をオークションで販売する、(1)〜(4)のいずれかのシステム。
(6)オークションが海外オークションも含む、(5)のシステム。
(7)中古車の購入希望者を登録させ、売り手と買い手をマッチングさせる仕組みを含む、(1)〜(6)のシステム。
(8)カーシェアリングシステムを含む、(1)〜(7)のシステム。
(9)新車販売方法であって、
該新車車種のn年後の中古車価格を予想する工程と、
該新車の販売価格から該n年後の中古車価格を減じた差額sを求める工程と、
sに利益xを加えた額に基づきローン額と期間を設定する工程と、
購入希望者に提案する工程と
を備えた、新車販売方法。
(10)会員を管理する工程を含む、(9)の新車販売方法。
(11)寄付金を管理する工程を含む、(9)または(10)の新車販売方法。
(12)少なくとも3年毎に新車を買い換える工程を含む、(9)〜(11)のいずれかの新車販売方法。
(13)n年後に中古車をオークションで販売する、(9)〜(12)のいずれかの新車販売方法。
(14)オークションが海外オークションも含む、(13)の新車販売方法。
(15)中古車の購入希望者を登録させ、売り手と買い手をマッチングさせる工程を含む、(9)〜(14)の方法。
(16)カーシェアリングを管理する工程を含む、(9)〜(15)のいずれかの方法。
The present invention provides the following inventions.
(1) New car sales system,
A means of predicting the used car price in n years after the new car model;
Means for obtaining a difference s obtained by subtracting the used car price after n years from the selling price of the new car;
means for setting the loan amount and period based on the sum of profit x and s;
New car sales system with means to suggest to purchasers.
(2) The system according to (1), which is a member system.
(3) The system according to (1) or (2), including a donation management system.
(4) The system according to any one of (1) to (3), which is a system for purchasing a new car at least every three years.
(5) The system according to any one of (1) to (4), in which used cars are sold at an auction after n years.
(6) The system according to (5), wherein the auction includes an overseas auction.
(7) The system according to (1) to (6), including a mechanism for registering purchasers of used cars and matching sellers and buyers.
(8) The system according to (1) to (7), including a car sharing system.
(9) New car sales method,
Predicting the price of a used car in n years after the new car model,
Obtaining a difference s obtained by subtracting the used car price after n years from the sales price of the new car;
setting the loan amount and period based on the sum of profit x and s;
A new car sales method that includes a process for proposing purchasers.
(10) The new car sales method according to (9), including a step of managing members.
(11) The new car sales method according to (9) or (10), including a step of managing donations.
(12) The new vehicle sales method according to any one of (9) to (11), including a step of replacing a new vehicle at least every three years.
(13) The new car sales method according to any one of (9) to (12), wherein a used car is sold at an auction after n years.
(14) The new car sales method according to (13), wherein the auction includes an overseas auction.
(15) The method according to (9) to (14), including a step of registering a person who wants to purchase a used car and matching a seller and a buyer.
(16) The method according to any one of (9) to (15), including a step of managing car sharing.

本発明によれば、新車を低額のローンで販売することができ、新車の販売台数および中古車供給数を増加させることができる。   According to the present invention, a new car can be sold with a low loan, and the number of new cars sold and the number of used cars supplied can be increased.

図1は、本発明の全体像を示した図である。FIG. 1 is a diagram showing an overview of the present invention.

本発明は、新車を販売するシステムおよび/または方法である。すなわち、過去の中古車価格データベースを備え、新車と同型の車種のn年後、好ましくは3年以内の中古車価格を予想する手段を備える。中古車価格データベースは、日本国内及び/又は全世界を網羅するデータベースが好ましいが、日本国内のみ、もしくは、特定の外国のデータベース、または、それらの組合せであってもよい。データ保存期間は、好ましくは3年間以上、より好ましくは5年間以上、さらに好ましくは7年間以上、最も好ましくは10年間以上であるが、特に制限されない。要は、新車のn年後の中古車価格が予想できるデータベースであればよい。また、該中古車価格データベースは、本発明のシステムからアクセス可能な外部のデータベースであってもよく、または、データベースをローカルに構築して本発明のシステムに組み込んでもよい。   The present invention is a system and / or method for selling new vehicles. In other words, a past used car price database is provided, and a means for predicting a used car price within n years, preferably within three years, after the same model as the new car is provided. The used car price database is preferably a database covering Japan and / or the whole world, but may be a database only in Japan, a specific foreign database, or a combination thereof. The data storage period is preferably 3 years or more, more preferably 5 years or more, further preferably 7 years or more, and most preferably 10 years or more, but is not particularly limited. In short, any database that can predict the price of a used car n years after a new car may be used. The used car price database may be an external database accessible from the system of the present invention, or the database may be built locally and incorporated into the system of the present invention.

n年後の中古車価格予測手段は該中古車価格データベースの価格推移から単純に平均を計算したり、フーリエ変換等を用いて外挿して求めることもできるが、人工知能を使ってn年後の中古車価格を予想するシステムであってもよい。人工知能を使ってn年後の中古車価格を予想する場合には、ディープラーニングを用いることが好ましい。ディープラーニングとしては、例えば、Google社が提供するテンソルフロープログラムを用いて、それまでの中古車価格の推移を学習させて、予測すればよい。あるいは、IBMワトソンに対応プログラムが開発されればそれを用いてもよい。また、日本だけでなく、海外の中古車価格をも予想するシステムであってもよい。   The used car price prediction means after n years can be calculated simply by calculating the average from the price transition of the used car price database or extrapolated using Fourier transform etc., but after n years using artificial intelligence It may be a system that predicts the price of used cars. When using artificial intelligence to predict used car prices in n years, it is preferable to use deep learning. As deep learning, for example, a tensor flow program provided by Google Inc. may be used to learn and predict the transition of used car prices so far. Alternatively, if a corresponding program is developed for IBM Watson, it may be used. Moreover, the system which estimates not only Japan but the overseas used car price may be sufficient.

n年後の中古車販売価格が予想できれば、新車の販売価格からn年後の中古車の価格を引いた差額sが算出できる。sまたは、sに利益xを加えた額に対して、ローンを組めば、車種によっては非常に安いローンで販売できる車種があり得る。販売者の利益xは0以上が好ましいが、マイナスにして実質的に値引きしてもよい。   If the used car sales price after n years can be predicted, the difference s obtained by subtracting the price of the used car after n years from the selling price of the new car can be calculated. If you make a loan for s or the sum of s and profit x, depending on the vehicle type, there may be a vehicle type that can be sold with a very cheap loan. The merchant's profit x is preferably 0 or more, but it may be negatively reduced.

新車の販売価格は定価にすることが好ましい。定価にすることで、販売促進費やローンバック等の販促費が上乗せされた価格で販売でき、中古車販売時に予想外の価格になったとしても、それらで吸収できる可能性があるからである。   It is preferable that the selling price of a new car be a fixed price. This is because by making it a fixed price, sales promotion costs such as sales promotion costs and loan backs can be sold at an added price, and even if it becomes an unexpected price when selling used cars, it may be absorbed by them .

例えば、フェラーリ等では、新車販売価格よりも中古車の方が高くなる場合があるので、sはマイナスとなり得る。また、外国においても、日本での新車販売価格よりも、該外国の中古車の方が高い値段で売れる場合がある。このような車種については、適宜販売者の自由意思で必要な利益xを考慮して販売価格(ローン額)を決定することができる。例えば、車体費用+諸経費+クラブ会費+金利の合計額(ローン残債額)の20%を3年間かけて支払うようにローン額を設定してもよい。販売者は、申込み者に対して、sがマイナスとなる車種のみ、または、sがマイナスとなる車種を優先的に紹介してもよい。または、sの小さい順に紹介することで、販売車の利益をより大きくすることも可能である。   For example, in Ferrari and the like, s may be negative because a used car may be higher than a new car sales price. Also, even in foreign countries, the used cars in foreign countries may sell at a higher price than the sales price of new cars in Japan. For such a vehicle type, the selling price (loan amount) can be determined in consideration of the necessary profit x with the seller's free will. For example, the loan amount may be set so that 20% of the total amount of the vehicle body cost + various expenses + club membership fee + interest rate (loan balance) is paid over 3 years. The seller may preferentially introduce to the applicant only the vehicle type in which s is negative or the vehicle type in which s is negative. Or, it is possible to increase the profit of the vehicle for sale by introducing it in ascending order of s.

本発明の新車販売システムは、会員制システムであることが好ましい。すなわち、会員に入会すれば、3年毎に新しい車を安価なローンで買い換えることができ、車好きな人にとっては常に最新の車種に乗れることから満足度の高いシステムである。   The new vehicle sales system of the present invention is preferably a membership system. In other words, if you join a member, you can buy a new car every three years with an inexpensive loan, and for those who like cars, you can always get on the latest models, so this is a highly satisfying system.

本発明の新車販売システムにおいては、会員が寄付金を自動で支払うシステムを含んでいてもよい。これは、高級車を購入する層は寄附に熱心である人が多いためである。例えば、発展途上国の子供を支援する寄付金を本発明のシステムから自動で送金でき、それに対して、寄附された子供からの手紙が来るシステムなどが考えられる。   The new car sales system of the present invention may include a system in which a member automatically pays a donation. This is because many people who purchase luxury cars are enthusiastic about donating. For example, there can be a system in which a donation for supporting a child in a developing country can be automatically transferred from the system of the present invention, and a letter from the donated child is received.

本発明の新車販売システムにおいては、中古車の供給も目的としていることから、3年毎に新しい新車に買い替えるのが好ましい。3年を超える中古車の場合は、中古車価格が低下し、ローンの支払額がより高額になるためでもある。3年以内に、新しい新車に乗り換える場合は、購入者は残債を一括で支払うことにしてもよく、システム管理者が残債も中古車価格に含めて購入してもよい。   In the new car sales system of the present invention, since the purpose is to supply used cars, it is preferable to buy a new car every three years. In the case of a used car that is longer than 3 years, the price of the used car will drop, and the payment of the loan will be higher. When switching to a new car within three years, the purchaser may pay the remaining bonds in a lump, or the system administrator may purchase the remaining bonds in the used car price.

n年後に、システム管理者は販売した新車の中古車を買い戻し、オークションなどで販売する。日本のオークションとしては、例えば、USSオークションサイト等が利用できる。また、オークションは日本に限らず、海外オークションであってもよい。あるいは、新車販売事業者が、自らオークションシステムを構築してもよい。その場合は、本発明のシステムに組み込むことができる。これにより、市場に中古車を供給するという目的が達成できる。   After n years, the system administrator buys back the used car of the new car that he sold and sells it at an auction or the like. For example, a USS auction site can be used as an auction in Japan. Further, the auction is not limited to Japan and may be an overseas auction. Alternatively, a new car sales company may construct an auction system by itself. In that case, it can be incorporated into the system of the present invention. This achieves the purpose of supplying used cars to the market.

本発明の新車販売システムは、カーシェアリングシステムを含んでいてもよい。その場合は、共同購入、共同所有になり、支払管理が煩雑になるが、共同所有の管理システムをシステムに組み込むことにより、カーシェアリングへの本発明の適用も可能である。   The new vehicle sales system of the present invention may include a car sharing system. In that case, joint purchase and joint ownership become complicated, and payment management becomes complicated. However, by incorporating a jointly owned management system into the system, the present invention can be applied to car sharing.

本発明によれば、収入が低い人でも頭金無しで高級外車の購入を容易にする。そのため、高級外車の購入者が増え、3年以内に乗り換えるシステムであるため、3年以内に高級外車の中古車が市場に出回り、中古車市場も活性化できる。
さらに、本発明は会員制であるため、システム管理者には継続して安定した収入が得られる。
According to the present invention, even a person with low income can easily purchase a high-end foreign vehicle without a down payment. As a result, the number of purchasers of high-end foreign cars increases, and the system changes within 3 years, so that used cars of high-end foreign cars can be put on the market within 3 years and the used car market can be activated.
Furthermore, since the present invention is a membership system, the system administrator can obtain a stable income continuously.

会員は、海外のチャイルドサポートなどの寄付事業に寄付するシステムであるため、チャイルドサポートのためにも会員を継続するモチベーションが湧き、仕事へのモチベーションにもつながり、貢献のニーズも満足できる。
以下、実施例により、本発明を説明するが、それらは1実施態様の例示に過ぎず、実施例により本願発明は何ら制限されるものではない。
Since the members donate to donation projects such as overseas child support, they can be motivated to continue their members for child support, which leads to motivation for work and satisfy the needs of contribution.
EXAMPLES Hereinafter, although an Example demonstrates this invention, they are only the illustration of one embodiment and this invention is not restrict | limited at all by an Example.

図1は、本発明のシステム1の全体構成のブロック図である。本発明においては、データベース10、希望車種入力部20、n年後の価格予想部30、ローン条件設定部40、ローン条件提案部50、会員管理部60、ローン管理部70、寄付金管理部80、中古車買い取り部90、中古車販売部100を備えている。   FIG. 1 is a block diagram of the overall configuration of a system 1 of the present invention. In the present invention, the database 10, the desired vehicle type input unit 20, the price prediction unit 30 after n years, the loan condition setting unit 40, the loan condition proposal unit 50, the member management unit 60, the loan management unit 70, and the donation management unit 80 A used car purchase unit 90 and a used car sales unit 100.

ユーザーは、ユーザー端末120からインターネットを介して本発明のシステム1に接続し、希望車種(型番、色、オプションなど)を入力することができる。ユーザー端末120としては、例えば、パソコン、スマートフォン、携帯電話などが挙げられるが、これらに限られず、本発明のシステムに希望車種を入力できるものであれば特に制限されない。また、ディーラーなどの販売者がユーザーにヒアリングして販売者の端末からユーザーの希望車種を入力してもよい。ユーザーがディーラーの端末から希望車種を入力してもよい。   A user can connect to the system 1 of the present invention from the user terminal 120 via the Internet and input a desired vehicle type (model number, color, option, etc.). Examples of the user terminal 120 include a personal computer, a smartphone, and a mobile phone. However, the user terminal 120 is not limited thereto, and is not particularly limited as long as the desired vehicle type can be input to the system of the present invention. Alternatively, a dealer such as a dealer may interview the user and input the user's desired vehicle type from the seller's terminal. The user may input the desired vehicle type from the dealer's terminal.

データベース10は、国内および/または海外の中古車価格データベースである。少なくともn年分以上のデータを蓄積していることが好ましい。該データベースは本発明のシステム内に作成してもよく、外部データベースに接続して取り込む形にしてもよい。ユーザーが希望車種を入力すると、希望車種入力部20に記録され、n年後の価格予測部30がデータベース10のデータを元にn年後の価格予測部30が、n年後の中古車の価格を予測する。   The database 10 is a domestic and / or overseas used car price database. It is preferable to accumulate data for at least n years. The database may be created in the system of the present invention, or may be connected to an external database. When the user inputs the desired vehicle type, the desired vehicle type input unit 20 records the information, and the price prediction unit 30 after n years determines whether the price prediction unit 30 after n years uses the data in the database 10 Predict prices.

n年後の価格予測部30は、単に過去のn年後の中古車価格のデータから価格を予測してもよく、過去の価格推移から、n年後の価格を予測してもよい。価格予測の方法としては、例えば、価格推移の近似直線や近似曲線を用いるか、さらに曲線をフーリエ変換してグラフ化して予測することもでき、人工知能を用いて予測することもできる。人工知能はディープラーニングを用いることが好ましく、例えば、IBMワトソンやGoogleのテンソルフローを用いたディープラーニングなどを用いることができるが、これらに限られない。   The price prediction unit 30 after n years may simply predict the price from the past used car price data after n years, or may predict the price after n years from the past price transition. As a price prediction method, for example, an approximate straight line or approximate curve of price transition can be used, or a curve can be further transformed into a graph by performing a Fourier transform, or can be predicted using artificial intelligence. Artificial intelligence preferably uses deep learning, for example, deep learning using IBM Watson or Google's tensorflow, but is not limited thereto.

人工知能を用いる場合、ユーザー希望車種から、その希望車種を希望したユーザーが購入した類似車種を提案してもよい。また、ユーザーの年齢、性別、年収、趣味、嗜好などのデータを入力させ、それに基づいて、ユーザーに合った車種を推薦するようにしてもよい。これらは、ビッグデータを用いてディープラーニングさせることでより精度よくユーザーに適した提案ができるようにしてもよい。   When artificial intelligence is used, a similar vehicle type purchased by a user who desires the desired vehicle type may be proposed from the user desired vehicle type. In addition, data such as the user's age, sex, annual income, hobbies, and preferences may be input, and based on the data, a vehicle type suitable for the user may be recommended. You may make it possible to make a proposal suitable for a user with higher accuracy by deep learning using big data.

価格予測部30は、ユーザーの希望車種そのもの(型式、色、オプションなど)のみでなく、それに近い型式、他の色なども含めてn年後の中古車価格を予測し、それらに対応する新車価格データも含めてローン設定部に渡す。   The price prediction unit 30 predicts used car prices in n years including not only the user's desired model itself (model, color, options, etc.) but also models and other colors close to it, and new cars corresponding to them Give it to the loan setting department, including price data.

ローン設定部40は、新車販売価格―n年後の中古車価格=sを算出し、n年間のローンを設定する。sに利益xを加えた額に対してローンを設定してもよい。nは0より大きい数であれば、特に制限されないが、本発明においては、3以下が好ましい。3年を超えると車検が必要となり、中古車価格も安くなるためユーザーの負担が増えるためである。nを3年以内とすることで、ローン額を低額にすることができる。なお、nは整数が好ましいが、実際には、2.5年など途中で解約するケースも起こりえるので小数点を含む数字であってもよい。   The loan setting unit 40 calculates a new vehicle sales price-used car price after n years = s, and sets a loan for n years. A loan may be set for an amount obtained by adding profit x to s. n is not particularly limited as long as n is a number greater than 0, but is preferably 3 or less in the present invention. Over three years, vehicle inspection is required, and the price of used cars is reduced, increasing the burden on the user. By making n within 3 years, the loan amount can be reduced. Note that n is preferably an integer, but in reality, there may be a case where the contract is canceled halfway, such as 2.5 years.

ローン設定部40は、別会社のローン会社のサーバーと連携してローン会社のローン設定システムを利用してもよい。   The loan setting unit 40 may use the loan setting system of the loan company in cooperation with a loan company server of another company.

ローン提案部50は、ユーザーが希望する車種および、それに関連する別の型番、色の車種も含めてユーザーに提案する。この場合、ローン額がより安くなる型番、色の車種のみを紹介してもよく、ローン額は高くなるが、アップグレードになる車種も含めて提案してもよい。ローン額が高くなる場合は、希望車種のローン額からの支払額上昇率が50%以下、より好ましくは、40%以下、さらに好ましくは30%以下、特に好ましくは20%以下、最も好ましくは10%以下であるがこれらに限られない。また、必要に応じて車に担保を設定してもよい。   The loan proposing unit 50 makes a proposal to the user including a vehicle type desired by the user and another model number and color model related thereto. In this case, only the model number and color model that makes the loan amount cheaper may be introduced, and the loan amount becomes high, but it may be proposed including the car model that is upgraded. When the loan amount increases, the rate of increase in the amount of payment from the loan amount of the desired vehicle type is 50% or less, more preferably 40% or less, more preferably 30% or less, particularly preferably 20% or less, and most preferably 10%. %, But not limited to these. Moreover, you may set security | security in a vehicle as needed.

ユーザーは、ユーザー端末120を操作して、ローン額の毎月の支払い額の上限を入力することができ、それに応じてサーバーは候補となる車種とローン条件を計算して提案することもできる。   The user can input the upper limit of the monthly payment amount of the loan amount by operating the user terminal 120, and the server can calculate and propose candidate vehicle types and loan conditions accordingly.

本発明のシステムにおいては、ローン期間は3年以内に設定することで、安定的に中古車を市場に供給するとともに、よりよい状態の中古車をそれに見合った価格で販売することができる。   In the system of the present invention, by setting the loan period within three years, it is possible to stably supply used cars to the market and sell used cars in better condition at a price commensurate with that.

本発明においては、会員制システムを採用するのが好ましい。会員は、会員管理部60により管理される。会員管理部は会員のデータベースを持ち(図示せず)、ローン(会費)の支払い状況、寄付金の状況、車の定期点検、修理、保険金支払い情報等を収集する。毎月の会員費もローンに含まれる。これらの情報は、ローン管理部70、寄付金管理部80と連動することで収集できる。   In the present invention, it is preferable to adopt a membership system. Members are managed by the member management unit 60. The member management department has a member database (not shown), and collects loan (membership fee) payment status, donation status, vehicle periodic inspection, repair, insurance payment information, and the like. The monthly membership fee is included in the loan. Such information can be collected in conjunction with the loan management unit 70 and the donation management unit 80.

会員費の一部は寄付金に充当され、寄付金管理部80により、管理される。寄付金は主に発展途上国の子供の支援などに寄付されるが、これに限られず、本システムの管理者と会員が合意した寄付先であれば、特に制限なく、寄付をすることができる。   Part of the membership fee is allocated to donations and managed by the donation management unit 80. Donations are mainly donated to support children in developing countries, but this is not a limitation. Donations can be made without any restrictions as long as they are agreed to by the system administrator and members. .

本発明のシステムは、中古車買取部90を有する。すなわち、新車をユーザーに販売後、通常は3年後にシステム管理者は中古車を事故や故障の有無、傷の有無と程度、走行距離などをチェックした上で査定し、査定額で購入する。   The system of the present invention has a used car purchase section 90. In other words, after selling a new car to the user, usually three years later, the system administrator assesses the used car after checking for accidents, breakdowns, the presence and extent of scratches, mileage, etc., and purchases the appraised amount.

システム管理者が購入した中古車は中古車販売部100により、オークションにかけられる。オークションは自社システムに登録したディーラーに公開するシステムであってもよく、外部オークションシステムを利用して販売するシステムであってもよい。   Used cars purchased by the system administrator are auctioned by the used car sales department 100. The auction may be a system that is disclosed to dealers registered in its own system, or may be a system that sells using an external auction system.

本発明は、自動車の新車販売事業、中古車販売事業、金融事業などに利用できる。   The present invention can be used for a new car sales business, a used car sales business, a financial business, and the like.

10 データベース
20 希望車種入力部
30 n年後の価格予測部
40 ローン条件設定部
50 ローン条件提案部
60 会員管理部
70 ローン管理部
80 寄付金管理部
90 中古車買取部
100 中古車販売部
110 インターネット
120 ユーザー端末
10 Database 20 Desired model input section 30 Price prediction section in n years 40 Loan condition setting section 50 Loan condition proposing section 60 Member management section 70 Loan management section 80 Donation management section 90 Used car purchase section 100 Used car sales section 110 Internet 120 user terminal

Claims (16)

新車販売システムであって、
該新車車種のn年後の中古車価格を予想する手段と、
該新車の販売価格から該n年後の中古車価格を減じた差額sを求める手段と、
sに利益xを加えた額に基づきローン額と期間を設定する手段と、
購入希望者に提案する手段と
を備えた、新車販売システム。
A new car sales system,
A means of predicting the used car price in n years after the new car model;
Means for obtaining a difference s obtained by subtracting the used car price after n years from the selling price of the new car;
means for setting the loan amount and period based on the sum of profit x and s;
New car sales system with means to suggest to purchasers.
会員システムである、請求項1のシステム。   The system of claim 1, which is a membership system. 寄付管理システムを含むことを特徴とする、請求項1または2のシステム。   The system according to claim 1 or 2, characterized in that it includes a donation management system. 少なくとも3年毎に新車を買い換えるシステムである、請求項1〜3のいずれかのシステム。   The system according to any one of claims 1 to 3, which is a system for purchasing a new car at least every three years. n年後に中古車をオークションで販売する、請求項1〜4のいずれかのシステム。   The system according to claim 1, wherein a used car is sold at an auction after n years. オークションが海外オークションも含む、請求項5のシステム。   6. The system of claim 5, wherein the auction also includes an overseas auction. 中古車の購入希望者を登録させ、売り手と買い手をマッチングさせる仕組みを含む、請求項1〜6のシステム。   The system according to any one of claims 1 to 6, further comprising a mechanism for registering purchasers of used cars and matching sellers and buyers. カーシェアリングシステムを含む、請求項1〜7のシステム。     The system of claims 1-7, comprising a car sharing system. 新車販売方法であって、
該新車車種のn年後の中古車価格を予想する工程と、
該新車の販売価格から該n年後の中古車価格を減じた差額sを求める工程と、
sに利益xを加えた額に基づきローン額と期間を設定する工程と、
購入希望者に提案する工程と
を備えた、新車販売方法。
A new car sales method,
Predicting the price of a used car in n years after the new car model,
Obtaining a difference s obtained by subtracting the used car price after n years from the sales price of the new car;
setting the loan amount and period based on the sum of profit x and s;
A new car sales method that includes a process for proposing purchasers.
会員を管理する工程を含む、請求項9の新車販売方法。   The new car sales method according to claim 9, comprising the step of managing members. 寄付金を管理する工程を含む、請求項9または10の新車販売方法。   The new car sales method according to claim 9 or 10, comprising a step of managing a donation. 少なくとも3年毎に新車を買い換える工程を含む、請求項9〜11のいずれかの新車販売方法。   The new car sales method according to claim 9, further comprising a step of buying a new car at least every three years. n年後に中古車をオークションで販売する、請求項9〜12のいずれかの新車販売方法。   The new car sales method according to claim 9, wherein a used car is sold at an auction after n years. オークションが海外オークションも含む、請求項13の新車販売方法。   The new car sales method according to claim 13, wherein the auction includes an overseas auction. 中古車の購入希望者を登録させ、売り手と買い手をマッチングさせる工程を含む、請求項9〜14の方法。   The method according to any one of claims 9 to 14, further comprising the step of registering a desire to purchase a used car and matching a seller and a buyer. カーシェアリングを管理する工程を含む、請求項9〜15のいずれかの方法。   The method according to any one of claims 9 to 15, comprising the step of managing car sharing.
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