JP4473056B2 - Transaction support apparatus and program thereof - Google Patents

Description

  The present invention relates to a transaction support apparatus that can suitably support buying and selling of goods or leasing.

  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-related technologies, customers who want to purchase or rent durable consumer goods browse the web page on the Internet and select durable consumer goods, or estimate monthly payments, rents, etc. Billing online is also becoming more common.

Patent Document 1 below discloses a system in which a customer who wants to rent an automobile can request an estimate of rent online. The system described in Patent Document 1 sets in advance a residual value (residual value, in other words, a trade-in price) of an automobile after a predetermined lease period (3 years or 5 years) has elapsed, and calculates that amount from the main unit price. The contract amount of the so-called residual value setting type loan that pays the remaining amount after the discount by installment is estimated.
JP 2002-041876 A

  As in the above example, it has already been attempted to improve the convenience of customers and promote the appeal of leasing companies using an online system.

  However, the customer's debt reimbursement procedure after the sale or lease is concluded (in addition to paying repayments using Internet banking or mobile banking), and only follows the old method.

  The present invention made in view of the above brings about further improvement in convenience for the repayment procedure for debts associated with installment sales contracts, installment redemption contracts or lease transaction contracts, and at the same time, financial institutions that provide credit services to customers, etc. The aim is to provide a new service that leads to the promotion of the appeal of leasing companies that rent consumer goods, and to achieve a useful system for that purpose.

In the present invention, the installment obligations of customers who have purchased or rented goods
(I) Obtain information on the amount of outstanding debt at any point in time and the residual value of goods purchased or rented by customers (ii) Purchase or rent by customers at any point in time (Iii) in addition to the redemption of unpaid residual bonds with the residual value of the existing goods (iii), in addition, if the customer has already released or rented the previous goods and is trying to purchase or rent new goods We have established a system that can provide a completely new service that can redeem unpaid residual bonds with the residual value of the previous goods, and carry forward the deductions to the debts for the purchase or rental of the next goods.

  More specifically, first, as shown in FIG. 1A or FIG. 1B, the customer supports a transaction for acquiring goods through an installment sales contract, an installment redemption contract, or a lease transaction contract. The customer database 101 storing the goods information relating to the customer and the debt information relating to the contents of the customer's debt, the redemption estimate request receiving means 102 for receiving the redemption estimate request relating to the mid-term redemption of the debt by the customer, and the redemption estimate request receiving Desktop assessment information for outputting desktop assessment information including goods information stored in the customer database 101 for provision to an assessment entity that assesses the residual value of the goods when the means 102 accepts a redemption estimate request Output means 103 and a table for obtaining a desktop assessment amount of the residual value of the goods calculated by the assessment subject with reference to the desktop assessment information When the appraisal amount acquisition means 104 and the redemption estimate request acceptance means 102 accept the redemption estimate request, refer to the debt information stored in at least the customer database 101 for the amount of the outstanding redemption debt. Redemption estimate information including the residual bond calculation means 105 to be calculated, the desktop assessment amount acquired by the desktop assessment amount acquisition means 104 and the amount of unpaid residual debt calculated by the residual bond calculation means 105 to be provided to the customer The transaction support apparatus 1 comprising the reimbursement estimate information output means 106 for outputting the information is configured. If this is the case, the customer can obtain information on the unpaid residual debt that he / she bears and the residual value of the goods he / she has acquired by issuing a redemption estimate request. Then, when redeeming the outstanding redemption bonds, it becomes possible to search for a favorable redemption period for the customer.

  The installment sales contract or installment redemption contract referred to here includes a lease contract that is treated as an installment purchase contract with ownership reservation, an installment purchase contract with ownership reservation, and the like. The debtor in these contracts is the customer. The creditor is a financial institution or the like that provides (or lends) credit to the customer, or a leasing company that leases goods to the customer. When a customer acquires a good, the customer purchases or rents the good. Good information is information (at least part of) that is referred to in calculating the residual value of the good at a certain point in time. For example, if the target good is a car, such as the chassis number, car name, vehicle type, model, motor model, classification number, model designation number, date of acquisition of the car by the customer, etc. Information corresponds to goods information. The debt information is information that is referred to for calculating the amount of outstanding bonds (which may include a residual value setting amount) at a certain point in time. For example, principal (credit amount), interest rate, repayment method (how many payments are made during the redemption period, interval of payment opportunities, payment amount at each payment opportunity), residual value after the redemption period has passed, etc. Contains information. Normally, the goods information and the debt information are registered in the customer database 101 when the sale or lease of goods is concluded.

  The desktop assessment performed by the assessment subject may be made artificially or may be done without human intervention by computer program processing.

  The desktop assessment amount acquisition unit 104 also acquires a desktop assessment amount of the residual value of the goods when a predetermined period has elapsed from the time when the redemption estimation request is received, and the residual bond calculation unit 105 receives the redemption estimation request. The amount of the outstanding redemption debt of the debt at the time when a predetermined period has elapsed from the time when the redemption estimate is received, and the desk at the time when the predetermined period has elapsed since the redemption estimate information output means 106 received the redemption estimate request If it is possible to output redemption estimate information including the assessed amount and the amount of unpaid residual bonds, it is possible to know the unpaid residual bonds and the estimated residual value of goods at multiple points in time, so mid-term redemption of debt It is more suitable for examining the timing of

  In addition, a customer database 101 storing goods information related to goods acquired by the customer and debt information related to the contents of the customer's debt, and a redemption estimate for accepting a redemption estimate request including designation of the debt at the time of mid-term redemption by the customer When the request accepting means 102 and the redemption estimate request accepting means 102 accept the redemption estimate request, the request accepting means 102 is provided to an assessment entity that assesses the residual value of the goods at the designated point of mid-term redemption included in the redemption estimate request Accordingly, the desktop assessment information output means 103 for outputting the desktop assessment information including the goods information stored in the customer database 101, and the desktop of the residual value of the goods calculated by the assessment subject with reference to the desktop assessment information The desktop assessment amount acquisition means 104 for obtaining the assessment amount and the redemption estimate request acceptance means 102 accept the redemption estimate request. And a residual bond calculating means 105 for calculating the amount of unpaid residual debt of the debt at the specified point of mid-term redemption included in the redemption estimate request with reference to at least debt information stored in the customer database 101; Redemption estimate information output means 106 for outputting redemption estimate information including the desktop assessment amount acquired by the desktop assessment amount acquisition means 104 and the amount of unpaid residual debt calculated by the residual bond calculation means 105 to be provided to the customer You may comprise the transaction assistance apparatus 1 which comprises these. If this is the case, the customer can obtain an estimate of the residual value of the outstanding redemption bonds and goods at the time specified by the customer.

  Similarly, the desktop appraisal value acquisition means 104 also acquires a desktop appraisal value of the residual value of the goods at a time around a predetermined period from the designated point of mid-term redemption included in the redemption estimate request, and the residual bond calculation means 105 also calculates the amount of unpaid residual debt of the debt at the time around a predetermined period from the designated point of mid-term redemption included in the redemption estimate request, and the redemption estimate information output means 106 includes the redemption estimate request in the redemption estimate request. Multiple points of time centered on the points specified by the customer if the estimated redemption information including the amount of desktop assessments and unpaid residual bonds at the time around the specified period from the specified point of mid-term redemption included It is possible to know unpaid residual bonds and estimated residual value of goods.

  The redemption estimate information output means further comprises a branching point judgment means 107 for judging a branching point at a time point when the desktop assessment value of the residual value of the goods becomes equal to or exceeds the amount of the outstanding debt of the debt. If 106 outputs the redemption estimate information including the branch point determined by the branch point determination means 107, the convenience for the customer is further enhanced.

  The reimbursement estimate request accepting unit 102 also accepts current status information regarding the current state of the goods, and the desktop assessment information output unit 103 outputs desktop assessment information including the current status information received by the redemption estimate request accepting unit 102. If it is, the accuracy of assessment of the residual value of the goods by the assessor will increase.

  The current status information is information used for the assessment of the residual value of the goods, and is real-time information mainly input by the customer. For example, when the target article is an automobile, information such as the travel distance of the automobile, a photographed image of the exterior of the automobile, and a photographed image of the interior corresponds to the current status information.

  Next, as shown in FIG. 2, the redemption request accepting means 108 for accepting the mid-term redemption request by the customer who wishes to redeem the debt by browsing the redemption estimate information, and the redemption request accepting means 108 The actual assessment commissioning means 109 for outputting the actual assessment commission information for entrusting the actual assessment of the residual value of the goods to the assessment entity, and the assessment entity receiving the actual assessment commission information includes the goods An actual appraisal amount acquisition means 110 for acquiring the actual appraisal value calculated for the residual value of the customer, and a residual bond redemption means 111 for updating the debt information stored in the customer database 101, When the residual bonds are redeemed with the residual value of the goods, the residual bond redemption means 111 uses the actual assessment amount acquired by the actual assessment amount acquisition means 110 and the residual bond calculation means 10. There have configured the transaction support apparatus 1 to update the debt information with reference to the amount of outstanding residual bonds was calculated. In the mid-term redemption of the debt, the customer's owned or rented goods are traded in and the remaining redemption bonds are redeemed. Therefore, the residual bond redemption means 111 updates the debt information based on the result of offsetting the actual appraisal value of the residual value of the goods and the amount of the outstanding redemption bond. In such cases, it is possible to redeem the debt at the customer's request, and offset the outstanding debts with the residual value of the goods that the customer previously owned or rented. The monetary burden associated with this is reduced or eliminated. In addition, the customer does not have to redeem the goods prior to mid-term redemption of the debt.

  Note that, unlike the desktop assessment, the actual assessment is in principle performed by a person investigating the status of the target goods, and the goods information stored in the customer database 101 and the current information input by the customer There is no complete dependence on.

  Further, the redemption request accepting means 108 for accepting a mid-term redemption request including designation of the mid-term redemption by a customer who wishes to redeem the debt mid-term by browsing the redemption estimate information, and the redemption request accepting means 108 A real appraisal entrusting means 109 for outputting the actual appraisal consignment information for entrusting the appraisal to the actual assessment of the residual value of the goods at the designated point of mid-term redemption included in the mid-term redemption request, Real estate appraisal acquisition means 110 for acquiring the actual appraisal value calculated for the residual value of the goods by the appraisal entity that has received the actual appraisal commission information, and redemption of residual bonds for updating the debt information stored in the customer database 101 Means 111, and when redeeming the outstanding debt of the debt with the residual value of the goods, The amount of unpaid remaining debt of the debt at the designated point of mid-term redemption included in the redemption request is calculated, and the residual bond redemption means 111 calculates the actual assessed amount and the residual bond obtained by the actual assessed amount obtaining means 110. You may comprise the transaction assistance apparatus 1 which updates the said debt information with reference to the amount of unpaid remaining bonds which the means 105 calculated. If this is the case, mid-term redemption of the debt at the time designated by the customer is permitted.

  The residual bond redemption means 111 inputs information for passing the difference between the actual assessment amount and the unpaid residual debt amount between the customer's account and the creditor's account into the accounting system (or If it is sent directly or indirectly via another gateway server, etc., the deductible amount after the redemption of the debt can be handed over without manual intervention. That is, if the residual value of the goods is smaller than the outstanding debt, the difference is transferred from the customer's account to the creditor's account. Conversely, if the residual value of the goods is greater than the outstanding debt, the difference is transferred from the creditor's account to the customer's account.

  In addition, as shown in FIG. 3, redemption request accepting means 108 for accepting a mid-term redemption request by a customer who wishes to browse the redemption estimate information and release the previously acquired goods and newly obtain a next generation of goods. And when the redemption request accepting unit 108 accepts the mid-term redemption request, the actual appraisal entrusting unit 109 for outputting the actual appraisal entrustment information for entrusting the actual assessment of the residual value of the goods to the assessment entity; The appraisal entity that received the actual appraisal information obtains the actual appraisal value acquisition means 110 for acquiring the actual appraisal value calculated for the residual value of the goods, and obtains credit information on the debt newly generated as a result of the acquisition of the next-generation goods The credit information acquisition means 112 for performing the acquisition, the goods information acquisition means 113 for acquiring the goods information relating to the next generation goods, and the debt information stored in the customer database 101 are updated. A bond redemption means 111 and a goods information update means 114 for updating the goods information registered in the customer database 101 are further provided, and the debts that have not been redeemed are redeemed with the residual value of the goods, When the deduction is carried forward to a newly generated debt, the residual bond redemption means 111 includes the actual appraisal amount acquired by the actual appraisal amount acquisition means 110, the amount of the outstanding redemption bond calculated by the residual bond calculation means 105, and the The debt information is updated with reference to the credit information acquired by the credit information acquisition means 112, and the goods information update means 114 updates the goods information with reference to the goods information acquired by the goods information acquisition means 113. A transaction support apparatus 1 was configured. If this is the case, when the customer wants to acquire the next generation goods instead of giving up the previous generation goods, the remaining redemption bonds will be redeemed with the residual value of the previous generation goods, and the deduction after the redemption (i.e. The difference between the actual appraisal value and the amount of unpaid residual debt) can be carried over to the debt related to the acquisition of the next-generation goods. Moreover, it is not necessary for the customer to convert the predecessor goods with his / her own hands before acquiring the next-generation goods.

  The credit information mentioned here includes information such as the amount of debt, principal and interest rate, repayment method, etc. newly generated as a result of the acquisition of the next generation goods. The goods information includes the residual value of the next generation goods. Information referred to when calculating the amount of the vehicle (if the object is a vehicle, the vehicle chassis number, vehicle name, vehicle type, model, motor model, classification category number, model designation number, vehicle The date the customer acquired Usually, the credit information and the goods information are acquired after the sale or lease of the next generation goods is concluded and registered in the customer database 101.

  Also, redemption request acceptance that accepts mid-term redemption requests including designation of mid-term redemption by customers who have browsed the redemption estimate information and wished to release the previously acquired goods and obtain new next-generation goods When the means 108 and the redemption request accepting means 108 accept the mid-term redemption request, the real-time assessment of the residual value of the goods at the designated point of mid-term redemption included in the mid-term redemption request is entrusted to the assessor Actual appraisal consignment means 109 for outputting the actual appraisal consignment information, an actual appraisal acquisition means 110 for obtaining an actual appraisal value calculated by the assessment entity receiving the actual appraisal consignment information for the residual value of the goods, and the next generation Credit information acquisition means 112 for acquiring credit information relating to debt newly generated as a result of acquisition of goods, and goods information acquisition means 113 for acquiring goods information regarding the next-generation goods, It further comprises a debt redemption means 111 for updating the debt information stored in the customer database 101, and a goods information updating means 114 for updating the goods information registered in the customer database 101. When redeeming the redeemable residual debt with the residual value of the goods and carrying forward the deduction after the redemption to a newly generated debt, the residual debt calculator 105 determines that the debt at the designated point of mid-term redemption included in the mid-term redemption request. The amount of the outstanding redemption bonds is calculated, and the residual bond redemption means 111 is calculated by the actual appraisal amount acquisition means 110, the amount of the outstanding redemption bonds calculated by the residual bond calculation means 105, and the credit. The debt information is updated with reference to the credit information acquired by the information acquisition means 112, and the goods information update means 114 refers to the goods information acquired by the goods information acquisition means 113. It may constitute a transaction support apparatus 1 to update the property information to. If this is the case, at the time specified by the customer, it is allowed to redeem the outstanding redemption bonds with the residual value of the previous goods, and carry over the redemption deduction to the debt for the acquisition of the next goods. .

  In addition to the above, the desktop assessment information output means 103 outputs the desktop assessment information to a plurality of assessment subjects, and the desktop assessment amount acquisition means 104 obtains a plurality of desktop assessment amounts by the plurality of assessment subjects. If it is acquired, bidding by a plurality of appraisers can be realized, leading to offsetting unpaid residual bonds with conditions favorable to customers, that is, higher appraisals.

  The table further includes a table assessment amount comparison unit 117 that selects the largest one of the plurality of table assessment amounts acquired by the table assessment amount acquisition unit 104, and the redemption estimate information output unit 106 includes the table assessment amount comparison unit 117. If the redemption estimate information including the desktop assessment amount selected in step 1 is output, the assessment subject that presents more advantageous conditions is automatically selected without the customer taking any special steps. By the way, when an actual assessment is performed after this, the subject is the assessment subject that presents the maximum desktop assessment amount. In other words, the actual assessment entrusting unit 109 outputs actual assessment entrustment information for entrusting the actual assessment to the assessment entity that presented the maximum desktop assessment amount.

  Alternatively, the redemption estimate information output unit 106 outputs redemption estimate information including a plurality of desktop assessment amounts acquired by the desktop assessment amount acquisition unit 104, and the mid-term redemption request reception unit 108 receives the goods by the customer. Accepting a mid-term redemption request including selection of an assessment entity entrusting an actual assessment of the residual value of the actual value, and entrusting the actual assessment to the assessment entity selected in the mid-term redemption request by the actual assessment commissioning means 109 If the information is output, the customer can be notified of a plurality of desktop assessment amounts by a plurality of assessment subjects. The customer can view the market value of the residual value of the goods he owns or rents by viewing multiple desktop assessments. In addition, it is possible to allow the customer to select an assessment entity that entrusts the actual assessment.

  ADVANTAGE OF THE INVENTION According to this invention, the convenience of the customer in the redemption procedure of an installment obligation can be improved. In addition, it is possible to provide a new service that leads to an increase in appealing power of financial institutions that provide credit services to customers or leasing companies that lease goods to customers.

  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. 4, this system can communicate the core transaction support apparatus 1, the computer 2 used by the customer, and the computer 3 used by the assessment subject via an electric communication line such as the Internet. Built to connect to.

  In the present embodiment, it is assumed to mediate the buying and selling or lease (including buying and selling with ownership reservation) of a vehicle as a good. For example, in a car sales transaction, a financial institution or the like becomes a creditor by financing a purchase price to be paid to a car dealer or the like to a customer, or by changing the purchase price. In a car leasing transaction, a leaser or the like becomes a creditor who procures a car from a dealer or the like and lends it to a customer and obtains a rental fee (which can also be regarded as an installment payment for the purchase price). In the transaction support apparatus 1, a financial institution or a leasing company that provides credit to a customer as a creditor manages this as a system operator. However, it does not interfere with the manner in which the seller or the like becomes the creditor (the price of the automobile purchase and sale becomes the account receivable). In addition, a person who entrusts the assessment work by the system operator, for example, a second-hand trader who trades in an automobile, becomes the assessment subject. Note that a computer 4 used by a dealer who supplies a car to a customer may be connected as a node of the system.

  The transaction support apparatus 1 is also communicably connected to an accounting system 5 such as a financial institution. The transaction support apparatus 1 and the billing system 5 may be connected via the Internet or the like, or may be connected via a dedicated line.

  The transaction support apparatus 1 of the present embodiment is mainly a server computer. As shown in FIG. 5, 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 input device 1f, and a communication interface 1g. 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 generates a video chip (or 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. A video memory (Video RAM) 1d2 or the like to be stored is used as an element. The input device 1 f 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 data communication via a telecommunication line, and is typified by a NIC (Network Interface Card) or a wireless LAN (Local Area Network) transceiver, but besides these, a USB (Universal Serial Bus). ), An interface such as IEEE1394 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 web server program and 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 e-mail server. Then, according to these programs, the above hardware resources are operated, and later-described customer database 101, redemption estimate request accepting means 102, desktop assessment information output means 103, desktop assessment amount acquisition means 104, residual bond calculation means 105, desktop assessment. Amount comparison means 117, branch point judgment means 107, redemption estimate information output means 106, redemption request reception means 108, actual appraisal entrusting means 109, actual appraisal amount acquisition means 110, residual bond redemption means 111, credit information acquisition means 112, goods It functions as information acquisition means 113, goods information update means 114, expected revenue calculation means 115, and interest rate determination means 116.

  The computer 2 used by the customer is a general personal computer, a PDA (Personal Digital Assistant), a mobile phone terminal, or the like. For example, as shown in FIG. 6, the computer 2 used by the customer uses 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 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. In this computer, a known GUI (Graphical User Interface) OS (Operating System) program and various device driver programs attached thereto are installed in advance to mediate the use of the hardware resources by the application program. In addition, a web browser program and an e-mail client program are installed as application programs.

  Since the computer 3 used by the assessment subject and the computer 4 used by the dealer can be the same as the computer 2 used by the customer, description thereof will be omitted.

  This system involves customers, system operators (financial institutions, leasing companies, etc.) and assessment bodies (contracted assessors, such as second-hand companies). In addition, a dealer or the like may be involved. A customer who wants to acquire a car receives a credit from the system operator (finance, payment of installment purchase price or lease fee), and purchases a car through an installment sales contract, installment redemption contract, or lease contract Or rent. The system operator, which is a creditor, pays off the debt associated with the acquisition of the car. 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 value of the residual value, is set, and that amount is set as the sales price of the car. The amount deducted from the installment will be repaid within the redemption period, and at the end of the redemption period, you will choose whether to pay the amount of the residual value or to let go of the car and redeem the residual value debt at that value .

  In principle, the customer spends the repayment period specified in the contract and fulfills the debt, but the system also allows the customer to redeem the debt at the point desired by the customer. At that time, the customer redeems the residual debt with the residual value of the car it has acquired.

The operation of the transaction support apparatus 1 in this system will be described in detail in several phases. The outline is
[Phase 1] Conclusion of debt contract [Phase 2] Promotion of business to customers [Phase 3] Estimate on mid-term redemption of debt [Phase 4A] Mid-term redemption of debt [Phase 4B] is there.

  [Phase 1] In phase 1, the customer is provided with the credit required to acquire the car. In this system, the transaction support apparatus 1 publishes on the network a website that accepts credit applications. 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 the functions of 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. Hereinafter, the operation of the transaction support apparatus 1 in phase 1 will be described with reference to the flowchart shown in FIG.

  Prior to using the system, the customer's user account is registered. Registration of the user account is completed by storing customer identification information (typically a user ID and / or passcode) for identifying the customer in the customer database 101 (step S1). The customer database 101 uses a required storage area of the auxiliary storage device 1c of the transaction support apparatus 1.

  When the customer starts to access the website, 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 (step S2). That is, the customer identification information input by the customer and transmitted from the customer computer 2 is acquired, and this is compared with the customer identification information stored in the customer database 101 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 S3). The data to be sent here includes data that introduces various vehicles (description text, photos and drawings, etc.), data that introduces optional products attached to the vehicle, etc., and also allows customers to select vehicles and optional products. Web forms (or scripts) are included.

  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 optional item on 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. A customer selects a car or an optional item that he or she desires to purchase or rent by performing operation input on a check box, an input text box, or the like on a web form. Input to the web form is performed via the input device 2f. 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 (step S4), and knows which car and optional item the customer has selected. The received information is stored in the main memory 1b or the auxiliary storage device 1c.

  In addition, the customer's personal information is input at the same time as the car selection. However, this is not the case when the customer has used this system before and the personal information is already stored in the customer database 101. The transaction support device 1 transmits data constituting a web page that prompts the customer to input personal information to the customer's computer 2 (step S5). The data to be transmitted here includes a web form or the like for inputting customer personal information. As attributes of personal information, name, gender, date of birth, occupation, annual income, customer account number, customer address, telephone number, e-mail address, and the like can be given.

  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 into a check box, an input text box, etc. on the web form. The customer computer 2 that has received the input of 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 (step S6). The received information is stored in the main memory 1b or the auxiliary storage device 1c.

  In addition, the customer enters the desired debt conditions. In other words, conditions relating to how many loans the customer wants to pay and how many times the customer wants to repay, how long the customer wants to rent the car, etc. 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 S7). The data to be transmitted here includes a web form or the like for inputting information related to the debt condition. The attributes of the information on the terms of the debt include the amount of credit to be credited (the amount of the principal of the debt), the repayment period, the repayment method (how many payments are made during the repayment period, Stipulates the interval and payment amount at each payment opportunity, in particular, repayment of principal and interest, repayment of principal, bonus payment, etc.), residual value after the redemption period has passed (there may be no residual value), etc. Can be mentioned. However, when the selling price of the car (and optional items + various expenses, etc.) selected by the customer is used as the credit amount as it is, it is not necessary for the customer to input the credit amount again. As for the interest rate, it is normal to determine the reference interest rate in the transaction support device 1 (the reference interest rate is paraphrased in accordance with, for example, attribute values of the customer's age, annual income, occupation and other personal information) Then it depends on the customer's creditworthiness).

  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 information related to the debt condition in a check box, an input text box, etc. on the web form. The customer computer 2 that has received the input of the debt condition transmits the information to the transaction support apparatus 1.

  The transaction support apparatus 1 receives the attribute value of the information related to the debt condition desired by the customer according to the web server program (step S8). The received information is stored in the main memory 1b or the auxiliary storage device 1c. It should be noted that a mode in which conditions such as the length of the redemption period and the number of payments are defined in advance and selection by the customer is impossible is also conceivable. In that case, the above steps S7 and S8 are not executed.

  The transaction support apparatus 1 that has acquired the information on the debt terms desired by the customer, in accordance with the back-end program, estimates the purchase or rental of the car under the conditions (total payment amount and / or payment amount at each payment opportunity ( The principal amount, the interest amount) and the remaining bond amount) are estimated (step S9). Then, the trial calculation result is output to provide to the customer. Specifically, the web page data including the trial calculation result is generated and transmitted to the customer's computer 2 (step S10). However, the interest rate can be reset according to the amount of revenue that the credit system operator would be able to obtain. Specifically, the transaction support apparatus 1 calculates interest income obtained under a reference interest rate given for a debt associated with the acquisition of a car in accordance with the back-end program. Next, the expected revenue of the creditor is calculated by adding the fee income related to the administration that mediates the transaction for the customer to acquire the car to the calculated interest revenue. Finally, the interest rate is finally determined according to the amount of this expected revenue. The estimation of the purchase or rental of the automobile may be executed under the final interest rate determined in this way. Incidentally, a specific example of resetting the interest rate is described in the description of phase 4B, step S43.

  Note that in step S9, it is not hindered to perform trial calculation under a plurality of conditions. For example, when the transaction support apparatus 1 does not set a residual value after the repayment period has elapsed, and a residual value after the repayment period has elapsed (there can be various methods for determining the residual value, usually the length of the redemption period The residual value is synonymous with the car's residual value after the repayment period, and the market value of a used car is reduced to 60% of the value of a new car every year after the start of use. Therefore, one method is to calculate the residual value from the new car price of the customer's car in accordance with this guideline), and to provide the customer with both estimates It is done. In addition, an estimate when a redemption period different from the customer's request is set, an estimate when a residual value different from the customer's request is set, etc. are estimated and provided to the customer together. When trial calculation is performed under a plurality of conditions, the estimated trial calculation results under the plurality of conditions can be included in the data transmitted to the customer's computer 2 in step S10. Further, the customer may be allowed to select under which conditions the credit is desired. In this case, in step S10, data of a web page including a web form or the like for selecting a condition desired by the customer is generated and transmitted to the customer's computer 2. Upon receiving the above web page data, the customer's computer 2 outputs a page and a web form for displaying the estimated estimation results under a plurality of conditions to the screen of the display 2e, and selects which condition is desired by the customer. Let The customer selects desired conditions by making a selection input to a check box or the like on the web form. Upon receipt of the selection input, the customer computer 2 transmits the information to the transaction support apparatus 1. The transaction support apparatus 1 receives information related to the selection input according to the web server program (step S11), and knows which condition the customer has selected.

  Accordingly, the transaction support apparatus 1 generates goods information and debt information based on the information received so far according to the back-end program, and stores them in the customer database 101 (step S12). An example of information registered in the customer database 101 is shown in FIG. Goods information is information about a car that a customer purchases or rents. For example, information on the vehicle chassis number, vehicle name, vehicle type, model, prime mover model, classification category number, model designation number, etc. Includes data such as the date of delivery of the vehicle and the price of the vehicle and optional items at the time of delivery to the customer. The goods information is generated according to the selection of the car and optional items by the customer. The debt information is information relating to the debt that the customer should bear when purchasing or renting a car. For example, data such as principal (credit amount), interest rate, repayment method, redemption period, residual value after the redemption period has elapsed, and the like are included. The debt information is generated according to the input of the debt condition by the customer (and the selection accepted in step S11). These personal information, goods information, and debt information are stored in the customer database 101 in association with customer identification information for identifying the customer.

  On the other hand, customers who use computer 2 to confirm the purchase or lease of automobiles communicate with creditors using e-mails, facsimiles, etc., or have a direct interview to confirm the final conclusion of the debt contract. Do. At the same time as the debt contract is concluded, the car is also delivered to the customer.

  However, the details of the process from the selection of the automobile, the selection of the debt condition to the contract, and the operation of the transaction support apparatus 1 in the process are not limited to the above-described modes. Generally, before the conclusion of a debt contract, the customer's creditworthiness is investigated, and at that time, a direct negotiation between the customer and the system operator, or a direct negotiation between the customer and the sales company, etc. Could be done. Apart from this, it is also conceivable that the system operator inputs goods information and debt information to the transaction support apparatus 1. Generally speaking, the essence of Phase 1 is that customer personal information, goods information, and debt information are registered in the customer database 101 after an installment sales contract, installment redemption contract, or lease contract is concluded. That is, the process until these pieces of information are registered in the customer database 101 is not particularly limited, and various modifications can be made.

  The customer who acquired the car will then repay the debt in accordance with the payment method specified in the debt contract. Incidentally, in this embodiment, the transaction support apparatus 1 and the accounting system 5 such as a financial institution are connected so as to be communicable. Therefore, when the customer repays a part of the debt, that is, when the repayment money is transferred to the account of the system operator who is the creditor, information on the repayment (information about which customer has paid) The billing system 5 can transmit to the transaction support apparatus 1. In this case, the transaction support apparatus 1 can update the debt information stored in the customer database 101 according to the amount repaid by the customer by referring to the information provided from the account system 5 according to the back-end program. Is possible.

  [Phase 2] In Phase 2, sales promotion to customers is performed. That is, when a predetermined period has elapsed since the customer acquired the car (for example, after 33, 45, and 57 months), a notification e-mail is transmitted to the customer. This e-mail is intended to prompt the redemption of outstanding debts, the replacement to the next-generation automobile, and the like. Hereinafter, the operation of the transaction support apparatus 1 in phase 2 will be described with reference to the flowchart shown in FIG.

  The transaction support apparatus 1 scans the customer database 101 periodically (for example, every day or every month) according to the back-end program (step S13). Then, the data of the date of delivery of the car to the customer, which is included in the goods information associated with the customer identification information of each customer, is referred to. If the period from the date when the car is delivered to the customer to the present time corresponds to a predetermined period, ie, 33 months, 45 months or 57 months (step S14), the same customer identification The e-mail address included in the personal information associated with the information is extracted from the customer database 101 (step S15).

  Thereafter, the transaction support apparatus 1 transmits a notification e-mail addressed to the extracted e-mail address in accordance with the e-mail server program (step S16). In this e-mail, for example, an advertisement for prompting replacement of a car, a URL (Uniform Resource Locator) of a website published on the network by the transaction support apparatus 1 and the like are described. Note that text data described as the contents of the e-mail, HTML data attached to the e-mail, and the like are stored in advance in the auxiliary storage device 1c.

  [Phase 3] In Phase 3, the balance of payments in the case of redemption of the debts the customer has is estimated, and the estimate is provided to the customer. Customers who have acquired automobiles through Phase 1 are liable for installment payments. In principle, the customer pays the repayment period specified in the contract and fulfills the obligation. However, the system also allows the repayment to be made at some point during the redemption period. Therefore, the customer can confirm how the balance will be when the remaining bonds are redeemed in the middle of the redemption period. Transaction support device 1 provides redemption estimate information regarding mid-term redemption of debt, and publishes on the network a website that accepts offers for mid-term redemption of debt or replacement of automobiles. Data constituting the website is stored in advance in the auxiliary storage device 1c. The customer accesses the website published by the transaction support apparatus 1 using the functions of 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. Hereinafter, the operation of the transaction support apparatus 1 in phase 3 will be described with reference to the flowchart shown in FIG.

  When access to the website by the customer is started, the customer's computer 2 sends a connection 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 (step S17). That is, the customer identification information input by the customer and transmitted from the customer computer 2 is acquired, and this is compared with the customer identification information stored in the customer database 101 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 customer makes a request for an estimated repayment of the debt. Usually, the request for redemption estimate specifies the date of mid-term redemption, that is, the basis for calculating the residual value of the car owned or rented by the customer and the unpaid residual debt of the customer. Is included. Further, the mid-term redemption request may include current status information that is information about the current automobile. Current status information is information that is used to assess the residual value of a car and is provided by a customer when a redemption estimate is requested. The transaction support apparatus 1 that has finished the authentication process transmits the data constituting the web page for making a redemption estimate request to the customer's computer 2 (step S18). The data transmitted here includes at least a web form for allowing the customer to specify the point of mid-term redemption. In addition, a web form or the like for inputting current state information regarding the current automobile is included. Attributes of the current status information include mileage to date, necessity of tire replacement, presence of repair history or accident history, state of exterior of automobile, photographed image data of exterior and / or interior of automobile, etc. be able to. By the way, regarding the condition of the exterior of the automobile, for example, parameters (normal / less than 15 cm dent / 15 cm or more dent / 15 cm) for each part of the automobile (bumper, fender, door, bonnet, roof, trunk, etc.) Less flaw / 15 cm or more scratch / 15 cm or less corrosion / 15 cm or more corrosion).

  The customer's computer 2 that has received the data of the web page outputs a web page for making a redemption estimate request on the screen of the display 2e. 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 designates the point of mid-term redemption, which is the basis for calculating the residual value of the car and the outstanding redemption bonds, by performing an operation input on a check box, an input text box, etc. on the web form. Here, it is preferable that the range of the specified redemption date is from the present time to the time point after the elapse of a predetermined period (for example, 12 months later). To increase the nature). In addition, if necessary, the current status information about the current car is input. Receiving the operation input, the customer's computer 2 transmits a reimbursement estimate request including information relating to the contents to the transaction support apparatus 1 (in accordance with HTTP).

  Transaction support apparatus 1 receives a redemption estimate request according to the web server program (step S19). The transaction support apparatus 1 at this time plays a role as the reimbursement estimate request receiving means 102. The reimbursement estimate request accepting means 102 is not limited to accepting the reimbursement estimate request in such a manner that it is received via the telecommunication line, but accepts the reimbursement estimate request in a manner such as accepting an input via the input device 1f. Is also possible.

  In response to the back-end program, the transaction support device 1 that has received the redemption estimate request refers to the information included in the redemption estimate request and makes a mid-term redemption that serves as a basis for calculating the amount of residual value of the vehicle and the amount of unpaid residual debt Know the designated point in time. Further, if the current status information is included in the redemption estimate request, it is stored in the main memory 1b or the auxiliary storage device 1c. Then, the assessment subject is requested to perform a desktop assessment of the residual value of the customer's car at the designated time. More specifically, the goods information associated with the customer identification information for identifying the customer authenticated by the previous authentication process is extracted from the customer database 101. Next, desktop assessment information including the designated point of mid-term redemption, the extracted goods information and the received current status information is generated and output to provide to the assessment subject. In the present embodiment, the generated desktop assessment information is transmitted to the assessment subject via the telecommunication line (step S20). For example, according to an e-mail server program, the desktop assessment information is transmitted in the form of an e-mail (or an attached file attached to the e-mail). Information relating to the transmission destination of the desktop assessment information, that is, the e-mail address of the assessment subject is stored in advance in the auxiliary storage device 1c, and is referred to when the desktop assessment information (or actual assessment commission information described later) is transmitted. The transaction support apparatus 1 at this time plays a role as the desktop assessment information output means 103. Note that the desktop assessment information output means 103 does not necessarily output the desktop assessment information in such a manner that it is transmitted via a telecommunication line. It is also conceivable to output the desktop assessment information in a manner such as output to the screen of the display 1e, hard copy output using a printer, or writing to a required recording medium.

  The assessment subject receives the above-mentioned desktop assessment information using the functions of the computer 3 and the email client program. Then, with reference to the goods information and the current status information included in the desktop assessment information, the residual value of the automobile at the designated point of mid-term redemption is assessed desktop. However, desk assessments are not always done artificially. That is, the computer 3 that has received the desktop assessment information may calculate the desktop assessment amount according to a predetermined program. The assessment subject who made the desktop assessment returns the desktop assessment of the residual value of the car to the transaction support apparatus 1.

  On the other hand, the transaction support apparatus 1 that has output the desktop assessment information acquires the desktop assessment amount of the residual value of the vehicle calculated by the assessment subject. Specifically, the data of the desktop assessment amount returned by the assessment subject is received via the telecommunication line (step S21). The form of data transmission / reception of the desktop assessment amount is not particularly limited. For example, when the desktop assessment amount is transmitted / received in the form of e-mail, the transaction support apparatus 1 is brought from the assessment subject according to the e-mail server program. Receive an e-mail to obtain a desktop assessment. The acquired desktop assessment amount is stored in the main memory 1b or the auxiliary storage device 1c. The transaction support apparatus 1 at this time plays a role as the desktop assessment amount acquisition means 104. Note that the desktop assessment amount acquisition means 104 is not limited to acquiring the desktop assessment amount in such a manner that it is received via the telecommunication line, but obtains the desktop assessment amount in a manner such as accepting input via the input device 1f. It is also possible.

  In addition, the transaction support apparatus 1 calculates the amount of unpaid residual debt of the debt at the designated point of mid-term redemption according to the back-end program (step S22). Note that the debts not yet redeemed here include the residual value after the redemption period has elapsed (in the mid-term redemption at the customer's will, the remaining value of the car is used for redemption). The amount of the outstanding redemption bonds is calculated with reference to at least the debt information stored in the customer database 101. In other words, referring to data such as principal (credit amount), interest rate, repayment method, repayment period, residual value after the repayment period, etc. included in the debt information extracted from the customer database 101, the designated mid-term redemption point Calculate the amount of outstanding debt in For example, if the principal is 2.2 million yen, the redemption period is 3 years (36 payments), the residual value after the redemption period is 400,000 yen, equal principal payment, no bonus payment, Assuming that one year has passed since the car was delivered to the customer, the amount of outstanding redemption bonds at the time of mid-term redemption is 1.6 million yen (of which the remaining value is 400,000 yen). The transaction support apparatus 1 at this time plays a role as the remaining bond calculation means 105.

  However, it is possible that the request for redemption estimate does not include the designation of mid-term redemption. When the redemption estimate request does not include the designation of the mid-term redemption, the time when the transaction support device 1 accepts the redemption estimate request is regarded as the mid-term redemption designation time, the request for desktop assessment, the calculation of the outstanding redemption bonds Should be implemented.

  In step S21, it is preferable to acquire not only the desktop assessment amount at the designated point of mid-term redemption but also the desktop assessment amount at a point in time around a predetermined period from the designated point in time. In the present embodiment, the assessor calculates the desktop assessment amount at the designated point of mid-term redemption and at three, six, nine, and one year from the designated point, and the transaction support device 1 The amount of desktop assessment at each time point is to be acquired. Furthermore, you may make it acquire the monthly desktop assessment amount in the predetermined period before and behind the designation | designated time of mid-term redemption. In step S22, it is preferable to calculate not only the amount of unpaid residual bonds at the designated point of mid-term redemption, but also the amount of unpaid residual bonds at a point around a predetermined period from the designated point of time. In the present embodiment, the transaction support apparatus 1 calculates the desktop assessment amount at the designated point of mid-term redemption, and at three, six, nine, and one year after the designated point. Furthermore, it is possible to calculate the amount of unpaid residual bonds every month within a predetermined period before and after the designated point of mid-term redemption.

  In addition, it may be possible to determine a turning point at which the desktop assessment of the residual value of the vehicle becomes equal to or exceeds the amount of the outstanding debt of the debt. That is, the transaction support device 1 calculates the transition of the amount of unpaid residual bonds until the end of the debt redemption period according to the back-end program (for example, calculates these amounts every month) to determine the residual value of the car. Is determined to be greater than or equal to the outstanding redemption bonds (step S23). The transaction support apparatus 1 at this time plays a role as the branch point determination means 107. Incidentally, if the desktop assessment amount provided by the assessor is a value of several months interval and is insufficient to determine the turning point, the transaction support device 1 will have those intermediate points (if applied to the above example) The desktop appraisal value at the time of 4 months, 5 months, etc. from the designated time) is estimated based on a predetermined interpolation algorithm.

  The transaction support apparatus 1 that has acquired the desktop assessment amount and calculated the amount of the outstanding redemption bond outputs the redemption estimate information including the desktop assessment amount and the amount of the outstanding redemption bond to the customer according to the back-end program. . Specifically, web page data including the desktop assessment amount and the amount of the outstanding redemption bonds is generated as redemption estimate information, and transmitted to the customer's computer 2 (step S24). In Steps S21 and S22, when the amount of the desktop assessment and the outstanding redemption bonds at times other than the designated mid-term redemption are also obtained, the redemption of the desktop assessment and the outstanding redemption bonds at these multiple times Can be included in the estimate information. In addition, in step S23, when a judgment is made regarding a branch point at which the desktop assessment amount becomes equal to or exceeds the amount of the outstanding redemption bond, information regarding the branch point can also be included in the redemption estimate information. In addition, it is also preferable to generate image data of a graph plotting the amount of desktop appraisal amount and unpaid residual debt at a plurality of time points in time series and transmit the image data as part of a web page which is redemption estimate information. . An example of the redemption estimate information web page generated by the transaction support apparatus 1 is shown in FIG. The transaction support apparatus 1 at this time plays a role as the redemption estimate information output means 106. Note that the redemption estimate request output means does not always output redemption estimate information in such a manner that it is transmitted via a telecommunication line. It is also conceivable to output the redemption estimate information 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 required recording medium.

  Incidentally, since it may take a lead time from when the transaction support device 1 sends the desktop assessment information to the assessment subject until the desktop assessment amount is obtained, it is immediately ( In other words, there is a possibility that the redemption estimate information cannot be returned to the customer's computer 2 (as an HTTP response). Therefore, for example, in step S24, the transaction support apparatus 1 may transmit the redemption estimate information in the form of so-called HTML mail or the like. Alternatively, redemption estimate information is temporarily stored in the customer database 101 (in association with customer identification information for identifying a customer), and the redemption estimate information is transmitted later when the same customer accesses the website. It does not matter.

  The customer's computer 2 receiving the redemption estimate information web page data outputs the desktop assessment of the residual value of the car, the amount of unpaid debt of the debt, the branching point, etc. on the screen of the display 2e for viewing the customer. Provide.

  By the way, in step S20, it does not prevent transmitting desktop assessment information to a plurality of assessment subjects. In this case, it is possible to have a plurality of assessment subjects perform a desktop assessment of the residual value of the automobile. In step S21, a plurality of desktop assessment amounts calculated by a plurality of assessment subjects can be acquired. In particular, if a seller, etc., that is the supplier of a car that a customer purchases or rents (for example, a sales company whose sales operations have been transferred from an automobile manufacturer) is included in the assessment body that performs a desktop assessment, the seller, etc. It is possible to compare the desktop assessment amount presented with the desktop assessment amount presented by other assessors. Further, when a plurality of desktop assessment amounts calculated by a plurality of assessors are obtained, in step S24, redemption estimate information including the plurality of appraisals is output, or in step S23, a plurality of assessors A branch point can be determined for each.

  Alternatively, after the transaction support apparatus 1 selects the maximum one of the plurality of desktop assessment amounts calculated by the plurality of assessment entities according to the back-end program, the output of the redemption estimate information in step S24 or the branch point in step S23 It is also possible to execute this determination. The transaction support device 1 at this time plays a role as the desktop assessment amount comparison means 117.

  In Phase 3, the customer can investigate the residual value of the car and the amount of unpaid debt at any point in time to find a time for redemption that is advantageous to them.

  Moreover, since the goods information about the customer's car is stored in the customer database 101 in advance, and this goods information is provided to the assessor as (part of) the desktop assessment information used for calculating the desktop assessment amount, It is possible to save the trouble of inputting information about the car one by one with the customer's own hand at the time of request. In order to increase the accuracy of the desktop assessment amount, the desktop assessment information provided to the assessment subject must be made more detailed, but inputting detailed information is a burdensome and cumbersome task. In this system, detailed goods information about automobiles can be registered in the customer database 101, and when there is a request for reimbursement, this is automatically provided to the assessment subject, increasing the burden on the customer. It is possible to obtain a highly accurate desktop assessment amount (and the amount of unpaid residual bonds) without making it necessary (with a light burden of inputting necessary current status information). This is particularly effective when entrusting a desktop assessment to a plurality of assessment subjects or when obtaining reimbursement estimate information multiple times.

  In addition, the customer can easily know the turning point where the residual value of the car exceeds the outstanding debt.

  [Phase 4A] In Phase 4A, the customer is obliged to redeem the debt. In this system, it is possible to redeem unpaid residual bonds with the residual value of the automobile acquired by the customer at any time desired by the customer. The customer browses the redemption estimate information acquired through Phase 3 and determines whether or not the debt is actually redeemed. A customer who has decided to make a mid-term redemption of a debt transmits a mid-term redemption request to the transaction support apparatus 1 using the computer 2. The transaction support apparatus 1 that has received the mid-term redemption request from the customer executes processing necessary for the mid-term redemption procedure. That is, acquisition of the actual value (actual vehicle appraisal) of the residual value of the car owned or rented by the customer, and offsetting of the actual appraisal value and the amount of outstanding debt. Hereinafter, the operation of the transaction support apparatus 1 in the phase 4A will be described with reference to the flowchart shown in FIG. However, there are cases in which a customer desires to let go of a car that has been owned or rented and purchase or rent a new car. In that case, the process proceeds to phase 4B described later.

  Step S24 will be described again. In step S24, the transaction support device 1 generates and transmits the data of the redemption estimate information web page including the customer's car desktop assessment amount, the amount of the outstanding debt of the customer's debt, and the branching point. The data includes a web form or the like for inputting that a debt redemption is required. This web form or the like has a function that allows the customer to specify the point of mid-term redemption desired. In addition, when multiple desktop assessments by multiple assessment entities are included in the redemption estimate information, select which assessment entity to present the actual assessment to the assessment entity that presented the desktop assessment amount. Also works. That is, the redemption estimate information web page is also a web page for mid-term redemption of debt.

  The customer's computer 2 that has received the web page data outputs the redemption estimate information to the screen of the display 2e. 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 reviews the transition of the desktop assessment of the residual value of the automobile presented by the assessor and the transition of the amount of unpaid debt of the debt that he / she bears to determine whether or not to redeem the debt halfway. Determining when to redeem. And when it is determined to redeem the debt, the intention is indicated by performing an operation input on a check box, an input text box, etc. on the web form. At the same time, by inputting the operation to the web form, the point of mid-term redemption of the debt desired by the customer is designated. Here too, it is preferable that the range of the mid-term redemption time that can be specified is from the present time to the elapse of a predetermined period (for example, 12 months later). In addition, if multiple assessors present their desktop assessments, select the assessment entity that they would like to entrust with the actual assessment (usually the assessment entity that presented the good desktop assessment amount) Is expected to be selected). Incidentally, prior to sending / receiving redemption estimate information, when the transaction support device 1 selects the largest desktop assessment amount (the assessment entity that presented the), or only one assessment entity presents the desktop assessment amount. In some cases, the assessor will in principle conduct the actual assessment. Upon receipt of the above operation input, the customer computer 2 sends a mid-term redemption request (which may be accompanied by customer identification information for identifying the customer) including information relating to the contents to the transaction support apparatus 1 (in accordance with HTTP). Send.

  The transaction support apparatus 1 receives the mid-term redemption request according to the web server program (step S25). The transaction support apparatus 1 at this time plays a role as the midway redemption request accepting means 108. The mid-term redemption request accepting means 108 is not limited to accepting the mid-term redemption request in such a manner that it is received via the telecommunication line, but accepts the mid-term redemption request in a mode such as accepting an input via the input device 1f. Is also possible.

  The transaction support device 1 that has received the mid-term redemption request refers to the information included in the mid-term redemption request according to the back-end program to know the mid-term redemption point desired by the customer. Then, the assessment subject is requested to perform an actual assessment of the residual value of the customer's automobile at the time of the redemption. More specifically, goods information and / or personal information associated with customer identification information (or customer identification information incidental to a mid-term redemption request) for identifying a customer authenticated by the authentication processing in step S17 is stored in the customer database 101. Extract more. Next, actual appraisal commission information including the point of mid-term redemption desired by the customer and the extracted goods information and / or personal information is generated and output to provide it to the appraiser. In the present embodiment, the generated actual assessment commission information is transmitted to the assessment subject via the telecommunication line (step S26). For example, according to an e-mail server program, the actual assessment commission information is transmitted in the form of an e-mail (or an attached file attached to the e-mail). The transmission destination of the actual assessment commission information, that is, the email address of the assessment subject is stored in advance in the auxiliary storage device 1c. However, there are only a limited number of appraisers that are the destinations of the actual appraisal information, in other words, the appraisers that are subject to the actual appraisal. That is, when the mid-term redemption request includes selection of an assessment entity that the customer wishes to entrust with actual assessment, the actual assessment entrustment information is transmitted only to the selected assessment entity. In addition, if the transaction support device 1 has selected the largest desktop assessment amount in Phase 3 or if only one assessment entity has presented the desktop assessment amount, the assessment entity that presented the desktop assessment amount will Only the actual appraisal information is sent to The transaction support apparatus 1 at this time plays a role as the actual assessment commissioning means 109. It should be noted that the actual assessment commissioning means 109 does not always output the actual assessment commission information in such a manner that it is transmitted via a telecommunication line. It is also conceivable to output the actual assessment information in a manner such as output to the screen of the display 1e, hard copy output using a printer, or writing to a required recording medium.

  The assessment subject receives the actual assessment commission information using the functions of the computer 3 and the email client program. Then, the residual value of the car at the time of mid-term redemption desired by the customer is actually assessed. Usually, the actual assessment is performed by actually examining the state of the automobile by a person. The assessment subject who performed the actual assessment returns the actual assessment amount of the residual value of the automobile to the transaction support apparatus 1. Incidentally, if the customer-specified debt is redeemed in the future, an actual assessment will also be made in the future. Therefore, the assessment subject cannot always calculate the actual assessment amount immediately after receiving the actual assessment commission information.

  On the other hand, the transaction support apparatus 1 that has output the actual appraisal commission information acquires the actual appraisal value of the residual value of the vehicle calculated by the appraiser. Specifically, the actual assessment amount data returned by the assessment subject is received via the telecommunication line (step S27). The form of transmission / reception of the actual assessment amount data is not particularly limited. For example, when the actual assessment amount is transmitted / received in the form of an e-mail, the transaction support apparatus 1 is brought from the assessment subject according to the e-mail server program. Receive an e-mail to obtain the actual assessment amount. The acquired actual assessment amount is stored in the main memory 1b or the auxiliary storage device 1c. The transaction support apparatus 1 at this time plays a role as the actual appraisal amount acquisition means 110. Note that the actual appraisal amount acquisition means 110 is not limited to acquiring the actual appraisal amount in such a manner that it is received via a telecommunication line, and the actual appraisal amount is acquired in a manner such as accepting input via the input device 1f. It is also possible.

  In addition, the transaction support apparatus 1 calculates the amount of unpaid residual debt of the debt at the time of mid-term redemption of the debt desired by the customer (step S28). The amount of the outstanding redemption bonds is calculated at least with reference to the debt information stored in the customer database 101, as in step S22. The transaction support apparatus 1 at this time plays a role as the remaining bond calculation means 105.

  However, it is possible that the midpoint redemption request may not include designation of the desired point of midterm redemption. If the request for mid-term redemption is not included in the mid-term redemption request, the mid-term redemption of the debt at the time when the transaction support device 1 accepts the mid-term redemption request or the time specified in the phase 3 redemption estimate request It can be regarded as a point in time, and a request for an actual assessment and calculation of outstanding redemption bonds should be carried out.

  Therefore, an intention is confirmed as to whether or not the redemption can be carried out. The transaction support apparatus 1 that has acquired the actual appraisal value and calculated the amount of the outstanding redemption bonds outputs the redemption information including the actual appraisal value and the amount of the outstanding redemption bonds to the customer according to the back-end program. Specifically, data of a web page including the actual appraised amount and the amount of the outstanding redemption bonds is generated as redemption information, and transmitted to the customer's computer 2 (step S29). The data transmitted here includes a web form or the like for inputting that the customer has finally agreed to the mid-term redemption of the debt.

  Incidentally, since it may take a lead time until the actual assessment amount is obtained after the transaction support device 1 sends the actual assessment commission information to the assessor, it is immediately available when a mid-term redemption request is accepted. There is a possibility that redemption information cannot be returned to the customer's computer 2 (in other words, as an HTTP response). Therefore, for example, in step S29, the transaction support apparatus 1 may transmit redemption information in the form of so-called HTML mail or the like. Alternatively, the redemption information may be temporarily stored in the customer database 101 (in association with customer identification information for identifying the customer), and the redemption information may be transmitted later when the same customer accesses the website. I do not care.

  Upon receiving the redemption information web page data, the customer's computer 2 outputs the actual value of the residual value of the car at the time of the mid-term redemption desired by the customer, the amount of the debts not yet redeemed, etc. on the screen of the display 2e. At the same time, a web form having a so-called check box, pull-down menu, etc. is output to the screen of the display 2e. The customer indicates that he / she has agreed to redeem the outstanding redemption bonds with the residual value of the car by performing an operation input on a check box or the like on the web form. Upon receipt of this operation input, the customer computer 2 transmits information relating to the contents to the transaction support apparatus 1 (in accordance with HTTP). The information transmitted here becomes compliance information indicating the final consent of the customer.

  The transaction support apparatus 1 receives compliance information in accordance with the web server program (step S30), and after confirming that the customer has agreed to the mid-term redemption of the debt, performs the following mid-term redemption procedure. In accordance with the back-end program, the transaction support device 1 first refers to the actual value of the remaining value of the car and the amount of the unredeemed residual bond, and subtracts the actual value of the car from the amount of the outstanding redemption bond. . If the outstanding redemption bond is smaller than the actual assessed amount, the creditor system operator will return the surplus to the customer in some way, but the unpaid residual debt is more than the actual assessed amount. If so, the customer will pay back the deficit in some way. If the transaction support apparatus 1 and the accounting system 5 such as a financial institution are communicably connected to each other, the difference between the outstanding debt and the assessed amount is notified to the accounting system 5 and the settlement is executed. It is possible. The transaction support apparatus 1 transmits information for passing the difference between the actual assessed value and the unpaid residual bond between the customer's account and the creditor's account in accordance with the back-end program to the account system 5 ( Step S31). The information transmitted here includes, for example, data such as customer account numbers, creditor account numbers, and remittance amounts. The account number of the customer can be obtained by referring to personal information associated with the customer identification information of the corresponding customer. The transaction support apparatus 1 at this time plays a role as the remaining bond redemption means 111. However, step S31 is not necessarily executed.

  In addition, the transaction support apparatus 1 as the remaining bond redemption means 111 updates the debt information associated with the customer identification information of the corresponding customer stored in the customer database 101 according to the back-end program (step S32). . For example, if the outstanding debt is fully repaid (if the outstanding debt is smaller than the actual assessment amount, or if the outstanding debt is greater than the actual assessment amount, the difference is accounted for in the customer account. Debt information is deleted or debt is redeemed when debt has been successfully debited to the creditor's account (information indicating that is provided by the accounting system 5) Describe information. Conversely, when the outstanding debt is not fully paid, data indicating the amount of shortage that is not repaid is described in the debt information.

  In the mid-term redemption of debt, the outstanding redemption bonds are redeemed with the residual value of the car. The customer will let go of the car that he has owned or rented, which will be collected by the assessor, and the consideration will be paid to the creditor by the assessor. As a result, the debt to the customer creditor is redeemed.

  As the final stage of the mid-term redemption procedure, the transaction support apparatus 1 updates the goods information associated with the customer identification information of the corresponding customer stored in the customer database 101 according to the back-end program (step S33). For example, the goods information is erased, or data indicating that the customer has released the car is described in the goods information.

  In Phase 4A, the customer can make a mid-term redemption of the debt at the time he desires. In addition, when the debt is redeemed, the remaining debt of the car can be redeemed with the residual value of the car, so that the customer does not have to prepare a large amount of redemption funds.

  In addition, in this system, when assessing the residual value of a car, it is assumed that a two-step procedure of desktop assessment and actual assessment is taken. The desktop assessment is an assessment in which the assessment amount is calculated without investigating the actual vehicle. Although the burden on the customer or the assessment subject is light, the assessment accuracy is inferior. Needless to say, it is not uncommon for the assessor to trade in a car with a desktop assessment. On the other hand, the actual assessment is an assessment in which an actual vehicle is surveyed to calculate the assessment amount, and although the accuracy of the assessment is ensured, the burden on the customer and the assessment subject is large. Therefore, it is not realistic to entrust actual assessments to a plurality of assessors, and it is difficult to compete between assessors, so there is a possibility that an actual appraisal value advantageous to the customer side cannot be obtained. According to this system, these problems can be solved at once. In other words, since it is possible to outsource the actual assessment by selecting an assessment entity that presented a good desktop assessment amount by competing with multiple assessment entities at the stage of the desktop assessment, it is likely that an actual assessment amount that is more advantageous for customers will be obtained Will increase. In addition, one of the assessment entities entrusted with desktop assessments can include dealers who are suppliers of automobiles purchased or rented by customers. Desktop assessment amounts presented by such dealers and other assessment entities It is also possible to compare with the desktop assessment amount presented by. This is an extremely appealing point for customers.

  In principle, the creditor and the system operator are the same entity (same corporation), and it is easy to construct and operate the system, and the debt reimbursement procedure can be performed without any obstacles. As a system operator, it is possible to obtain commission income for providing services for assessing the residual value of automobiles, leading to expansion of business opportunities.

  [Phase 4B] In Phase 4A, the customer simply relinquished the debt by letting go of the car he / she acquired. On the other hand, in Phase 4B, when the customer wants to acquire the next car in place of the previous car, he / she carries out the mid-term redemption procedure, and the deduction after the redemption is newly applied for the acquisition of the next car. Carry over to a good debt. In this system, a predecessor car that has already been acquired can be replaced with a next car at any time desired by the customer. Then, it is possible to redeem the outstanding redemption bonds at that time with the residual value of the previous car. Hereinafter, the operation of the transaction support apparatus 1 in the phase 4B will be described with reference to the flowcharts shown in FIGS.

  In step S24, the transaction support device 1 generates and transmits the data of the redemption estimate information web page including the customer's car desktop assessment amount, the amount of the outstanding debt of the customer's debt, and the breakpoint. As already mentioned, this data is used to request that mid-term redemption of the debt is requested (that is, the intention to redeem the unpaid residual debt and at the same time requesting the replacement to the next car) Web forms etc. are included.

  The customer's computer 2 that has received the web page data outputs the redemption estimate information to the screen of the display 2e. 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 views the transition of the desktop assessment amount presented by the assessor and the transition of the amount of unpaid debt of the debt to determine whether to redeem the debt halfway and replace it with the next car, and to make a mid-term redemption. Determine when to do it. Then, when it is decided to redeem the debt midway and replace it with the next generation car, the intention is indicated by performing an operation input to a check box, an input text box or the like on the web form. At the same time, by inputting the operation to the web form, the point of mid-term redemption of the debt desired by the customer is designated. Here too, it is preferable that the range of the mid-term redemption time that can be specified is from the present time to the elapse of a predetermined period (for example, 12 months later). Furthermore, when a plurality of assessors presents the desktop assessment amount, an assessor who wishes to entrust the actual assessment is selected from them. Upon receipt of the above operation input, the customer computer 2 sends a mid-term redemption request (which may be accompanied by customer identification information for identifying the customer) including information relating to the contents to the transaction support apparatus 1 (in accordance with HTTP). Send.

  The transaction support apparatus 1 receives the mid-term redemption request, similarly to step S25 (step S34). The transaction support apparatus 1 at this time plays a role as the redemption request accepting means 108.

  The transaction support apparatus 1 that has received the mid-term redemption request generates actual assessment commission information as in step S26, and transmits it to the assessment subject to be entrusted with the actual assessment (step S35). The transaction support apparatus 1 at this time plays a role as the actual assessment commissioning means 109.

  The assessment subject receives the actual assessment commission information using the functions of the computer 3 and the email client program. Then, the residual value of the car at the time of mid-term redemption desired by the customer is actually assessed. The assessment subject who performed the actual assessment returns the actual assessment amount of the residual value of the automobile to the transaction support apparatus 1.

  On the other hand, the transaction support apparatus 1 that has output the actual assessment information receives the data of the assessment amount returned by the assessment subject, similarly to step S27 (step S36). The transaction support apparatus 1 at this time plays a role as an assessment amount acquisition means.

  In addition, as in step S28 (or step S22), the transaction support apparatus 1 calculates the amount of unpaid debt of the debt at the time of mid-term redemption desired by the customer (step S37). The transaction support apparatus 1 at this time plays a role as the remaining bond calculation means 105.

  However, it is possible that the midpoint redemption request may not include designation of the desired point of midterm redemption. If the request for mid-term redemption is not included in the mid-term redemption request, the mid-term redemption of the debt at the time when the transaction support device 1 accepts the mid-term redemption request or the time specified in the phase 3 redemption estimate request It can be regarded as a point in time, and a request for an actual assessment and calculation of outstanding redemption bonds should be carried out.

  Following the mid-term reimbursement request, the next car selection will be made by the customer. The transaction support apparatus 1 that has received the mid-term redemption request transmits data constituting a web page for selecting a next-generation automobile to be purchased or rented to the customer's computer 2 as in step S3. (Step S38).

  The customer's computer 2 that has received the web page data outputs a web page and a web form for selecting a car and optional items on the screen of the display 2e. A customer selects an automobile or an optional item by performing an operation input on a check box, an input text box, or the like on a web form. 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).

  Similarly to step S4, transaction support apparatus 1 receives information related to the contents of the operation input (step S39), and knows which car and optional item the customer has selected. The received information is stored in the main memory 1b or the auxiliary storage device 1c. The information received in step S39 is goods information relating to the next-generation automobile to be newly purchased or rented. The transaction support apparatus 1 at this time plays a role as the goods information acquisition unit 113. Note that the goods information acquisition unit 113 is not limited to acquiring the goods information about the next-generation automobile in a mode of receiving via the telecommunication line, but is related to the next-generation automobile in a mode of accepting input via the input device 1f. It is also possible to acquire goods information.

  In addition, the customer enters the desired debt terms for the purchase or rental of the next generation car. Similarly to step S7, transaction support apparatus 1 directs data constituting a web page that prompts the customer to input new debt conditions (for obtaining a next-generation automobile) to customer computer 2. Transmit (step S40).

  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 new debt condition desired by the customer. The customer inputs each attribute value of information related to a new debt condition in a check box, an input text box, etc. on the web form. However, when the selling price of the car (and optional items + various expenses, etc.) selected by the customer is used as the credit amount as it is, it is not necessary for the customer to input the credit amount again. The customer computer 2 that has received an input of a new debt condition transmits the information to the transaction support apparatus 1.

  Similarly to step S8, transaction support apparatus 1 receives an attribute value of information relating to a new debt condition desired by the customer (step S41). The received information is stored in the main memory 1b or the auxiliary storage device 1c. The information received in this step S41 becomes credit information relating to a new debt associated with the purchase or rental of the next-generation automobile. The transaction support apparatus 1 at this time plays a role as the credit information acquisition unit 112. Note that the credit information acquisition means 112 is not limited to acquiring credit information related to a new debt in a mode of receiving via a telecommunication line, but related to a new debt in a mode of accepting input via the input device 1f. It is also conceivable to obtain credit information.

  The transaction support apparatus 1 that has acquired the information on the new debt conditions desired by the customer, in accordance with the back-end program, estimates the purchase or rental of the next generation car under the conditions (total repayment amount and / or each payment opportunity) Repayment amount (principal portion, interest portion) and remaining debt amount) are estimated (step S42). However, the interest rate can be reset according to the amount of profit that the system operator as the creditor would be able to obtain (step S43). When the interest rate is reset, credit information including the reset interest rate is obtained.

  Therefore, an intention is confirmed as to whether or not the redemption can be carried out. The transaction support device 1 that has completed the acquisition of the actual appraisal value, the calculation of the unpaid residual debt, and the estimation of the next car purchase or rental estimate, in accordance with the back-end program, In order to provide the customer with redemption information including the estimated calculation result of the purchase or rental of the next-generation car. Specifically, web page data including such information is generated and transmitted to the customer's computer 2 (step S44). The data to be transmitted here includes a web form for allowing the customer to input that he / she has agreed to mid-term redemption of the outstanding redemption bonds.

  By the way, it may take a lead time from the transaction support device 1 sending the actual assessment commission information to the assessor until the actual assessment amount is obtained. There is a possibility that redemption information cannot be returned to the customer's computer 2 (in other words, as an HTTP response). Therefore, for example, in step S44, the transaction support apparatus 1 may transmit redemption information in the form of so-called HTML mail or the like. Alternatively, the redemption information may be temporarily stored in the customer database 101 (in association with customer identification information for identifying the customer), and the redemption information may be transmitted later when the same customer accesses the website. I do not care.

  Receiving the redemption information web page data, the customer's computer 2 determines the actual value of the car's residual value at the time of the mid-term redemption requested by the customer, the amount of unpaid debt of the debt, the purchase or rental of the next car Are output to the screen of the display 2e. At the same time, a web form having a so-called check box, pull-down menu, etc. is output to the screen of the display 2e. Customers can redeem unpaid residual bonds with the residual value of the previous car that they had owned or rented, and purchase a new car by entering operations on check boxes on the web form. Or indicate that you have agreed to rent. Upon receipt of this operation input, the customer computer 2 transmits information relating to the contents to the transaction support apparatus 1 (in accordance with HTTP). The information transmitted here becomes compliance information indicating the consent of the customer.

  The transaction support apparatus 1 receives compliance information in accordance with the web server program (step S45), and after confirming that the customer has agreed to mid-term redemption of the predecessor debt, performs the mid-term redemption procedure described below.

  In step S42, as in step S9, it does not prevent the trial calculation under a plurality of conditions. For example, the transaction support device 1 calculates the estimate when the residual value after the redemption period has not been set and the estimate when the residual value after the redemption period has elapsed, and provides both to the customer Can be considered. When trial calculation under a plurality of conditions is performed, in step S44, estimation trial calculation results under the plurality of conditions can be included in the redemption information. Further, the customer may be allowed to select under which conditions the credit is desired. For this purpose, in step S44, data of a web page including a web form or the like for selecting a condition desired by the customer is generated and transmitted to the computer 2 of the customer. The customer's computer 2 that has received the data on the web page outputs a page for displaying the estimated trial calculation results under a plurality of conditions and a web form for selecting new debt conditions on the screen of the display 2e. The customer selects a new debt condition by making a selection input to a check box or the like on the web form. The customer computer 2 that has received the selection input includes the information in the compliance information and transmits it to the transaction support apparatus 1. In step S45, the transaction support apparatus 1 knows which condition the customer has selected. In this case, the transaction support apparatus 1 as the credit information acquisition unit 112 obtains credit information about the debt condition selected by the customer.

  The transaction support apparatus 1 that has received the compliance information performs a mid-term redemption procedure for the debt. Unlike Phase 4A, in Phase 4B, the unpaid residual debt that exists at the time of mid-term redemption of debt is redeemed with the residual value of the previous car, and the new deductions that accompany the acquisition of the next car Will be carried over to a large debt. Also in the phase 4B, the transaction support device 1 first refers to the actual value of the remaining value of the previous car and the amount of the unpaid remaining debt according to the back-end program, and determines the amount of the unpaid remaining debt from the previous Subtract the car's appraisal value. Next, the transaction support apparatus 1 updates the debt information associated with the customer identification information of the corresponding customer stored in the customer database 101 according to the back-end program (step S46). The update of debt information includes the difference between the amount of unpaid residual debt and the actual appraisal value of the previous car, and credit information on new debt associated with the acquisition of the next car (if the interest rate is reset, Credit information including the interest rate, and when the customer selects a debt condition, the credit information on the debt condition selected by the customer is referred to. For example, if the outstanding debt is smaller than the actual assessed amount and the difference is positive, the principal amount of the new debt associated with the acquisition of the next-generation car is reduced by the difference, and the data on the debt Is described in debt information. Conversely, when the outstanding redemption bonds are more negative than the actual appraisal value, the difference is added to the principal amount of the new debt associated with the acquisition of the next generation car, and then the data related to the debt Is described in debt information. The transaction support apparatus 1 at this time plays a role as the remaining bond redemption means 111. However, the difference may not be carried over to a new debt, but may be transferred between the customer's account and the creditor's account in the same manner as in step S31 in phase 4A.

  In the mid-term redemption of debt, the outstanding redemption bonds are redeemed with the residual value of the previous car. The customer will give up the previous car that he has owned or rented, and will acquire the next car instead. The predecessor car is collected by the assessor, and the consideration is paid to the creditor by the assessor. As a result, the debt to the customer creditor is redeemed. In addition, the next generation car will be handed over to the customer separately.

  As the final stage of the mid-term redemption procedure, the transaction support apparatus 1 updates the goods information associated with the customer identification information of the corresponding customer stored in the customer database 101 according to the back-end program (step S47). That is, with reference to the information acquired in step S39, data on the next-generation automobile is described in the goods information. The goods information about the previous car is deleted, or data indicating that the customer has given up the previous car is described in the goods information. The transaction support apparatus 1 at this time plays a role as the goods information update unit 114.

  In Phase 4B, the customer can replace the car at the time he / she desires. In addition, when the car is replaced, the outstanding redemption bonds can be redeemed with the residual value of the previous car, so that the customer does not need to prepare a large amount of redemption funds.

  Furthermore, in this system, the model of the next-generation car is different from the model of the next-generation car, or the former car manufacturer (or dealer) and the next car manufacturer (or dealer) are different. Even if they are different, the outstanding redemption bonds can be redeemed with the residual value of the previous car. Therefore, it is possible to eliminate the trouble that the customer once cashes the previous car, redeems the unpaid residual debt with the funds, and then concludes a debt contract for acquiring the next car. Of course, the assessment entity entrusted with the desktop assessment can include a dealer who is the supplier of the previous automobile and / or a dealer who is the supplier of the next automobile, etc. It is also possible to compare the assessed amount with the desktop assessed amount presented by other assessors.

  In addition to the above, it goes without saying that the effects described in Phase 4A can also be achieved.

  The present invention is not limited to the embodiment described in detail above. In particular, the functions of the respective units shown in FIGS. 1 to 3 are shared by a plurality of computers, and these do not interfere with the mode of establishment as the transaction support apparatus 1.

  Further, the processing from step S38 to step S43 in the phase 4B may be executed before the processing from step S18 to step S24 in the phase 3.

  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. FIG. The structure explanatory view 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 figure which shows the hardware resource which the customer's computer in the embodiment comprises. The flowchart which shows the procedure of the process which the transaction assistance apparatus in the embodiment performs. The figure which illustrates the information registered into a customer database. 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 redemption estimate information. 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.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Transaction support apparatus 101 ... Customer database 102 ... Redemption estimate request reception means 103 ... Desktop assessment information output means 104 ... Desktop assessment amount acquisition means 105 ... Residual bond calculation means 106 ... Redemption estimate information output means 107 ... Branch point judgment means 108 ... Reimbursement request accepting means 109 ... Actual assessment entrusting means 110 ... Actual assessment amount obtaining means 111 ... Residual bond redemption means 112 ... Credit information obtaining means 113 ... Goods information obtaining means 114 ... Goods information updating means 115 ... Expected profit calculating means 116 ... Interest rate determination means 117 ... Actual appraisal amount comparison means 5 ... Payment system such as financial institutions

Claims (4)

Supports transactions in which customers acquire goods through installment sales contracts, installment redemption contracts or lease transaction contracts,
Information on the goods acquired by the customer and referenced for the calculation of the residual value of the goods, and information on the details of the customer's debt, including principal, interest rate, repayment method, and redemption period A customer database in which debt information including information defining the residual value of the customer is stored in association with customer identification information for identifying the customer;
Reimbursement estimate request accepting means for accepting a reimbursement estimate request related to mid-term redemption of the debt by a customer who has been authenticated through acquisition of customer identification information and verification with a customer database,
When the reimbursement estimate request acceptance means accepts a reimbursement estimate request, the product information associated with the customer identification information related to the customer who has caused this reimbursement estimate request is extracted from the customer database, and the desktop assessment including the extracted good information A desktop assessment information output means for transmitting information via a telecommunication line to a plurality of assessment entities that assess the residual value of the goods;
Each of the plurality of appraisers calculated with reference to the desk assessment information, the desk assessment of the residual value of the goods at the time of accepting the redemption estimate request, and the goods at the time when a predetermined period has elapsed from this time A desktop assessment amount acquisition means for acquiring a desktop assessment amount of the residual value via a telecommunication line;
The debt information associated with the customer identification information related to the customer is extracted from the customer database, and the principal, interest rate, repayment method, residual value after the repayment period, etc. included in the extracted debt information are referred to. And a residual bond calculating means for calculating the amount of the outstanding debt of the debt at the time when the request for redemption estimation is received and the amount of the outstanding debt of the debt at the time when a predetermined period has elapsed from this time by calculation of a processor When,
The desktop assessment amount at the time of receiving a plurality of redemption estimation requests by a plurality of assessment entities acquired by the desktop assessment amount acquisition means, the desktop assessment amount at the time when a predetermined period has elapsed from this time point , and the residual bond calculation means Redemption estimate information including the amount of outstanding redemption bonds at the time of receiving the calculated redemption estimate request and the amount of outstanding redemption bonds at the time when a predetermined period has elapsed from this point is sent to the customer via a telecommunications line Redemption estimate information output means to be transmitted;
Browsing the reimbursement estimate information to release the previously acquired goods and newly acquiring the next generation goods. Redemption request accepting means for accepting a mid-term redemption request including selection of whether to entrust the actual assessment of the residual value and designation of the mid-term redemption via a telecommunication line;
When the redemption request accepting unit accepts the mid-term redemption request, the mid-term redemption request information for entrusting the real assessment of the residual value of the goods at the designated point of mid-term redemption included in the mid-term redemption request An actual assessment consignment means for transmitting via the telecommunication line to the assessment subject selected in the request;
An actual appraisal acquisition means for acquiring an actual appraisal amount calculated for the residual value of the good by the appraisal entity that has received the actual appraisal commission information;
Credit information acquisition means for acquiring credit information including information relating to debt newly generated in connection with acquisition of the next-generation goods and including information specifying principal, interest rate, repayment method, and the like;
Goods information acquisition means for acquiring goods information on the next-generation goods;
A debt redemption means for updating debt information stored in the customer database;
Goods information update means for updating the goods information stored in the customer database,
When redeeming the outstanding debt of the debt with the residual value of the goods and carrying forward the redemption after the debt to the newly generated debt,
The remaining bond calculating means extracts the debt information associated with the customer identification information relating to the customer from the customer database and refers to this to determine the remaining redemption balance of the debt at the specified point of mid-term redemption included in the mid-term redemption request. Calculate the amount of bonds,
The residual bond redemption means refers to the actual assessment amount acquired by the actual assessment amount acquisition means, the amount of unpaid residual debt calculated by the residual bond calculation means, and the credit information acquired by the credit information acquisition means A transaction support apparatus for updating debt information, wherein the goods information update means updates the goods information with reference to the goods information acquired by the goods information acquisition means. Supports transactions in which customers acquire goods through installment sales contracts, installment redemption contracts or lease transaction contracts,
Information on the goods acquired by the customer and referenced for the calculation of the residual value of the goods, and information on the details of the customer's debt, including principal, interest rate, repayment method, and redemption period A customer database in which debt information including information defining the residual value of the customer is stored in association with customer identification information for identifying the customer;
Reimbursement estimate request accepting means for accepting a reimbursement estimate request relating to the mid-term redemption of the debt by a customer who has been authenticated through acquisition of customer identification information and collation with a customer database via a telecommunication line When,
When the reimbursement estimate request accepting unit accepts the reimbursement estimate request, the goods information associated with the customer identification information related to the customer who has caused the reimbursement estimate request is extracted from the customer database, and is included in the reimbursement estimate request In order to make a desktop assessment of the residual value of the goods at the time of redemption designation, the information at the designated time and the desktop assessment information including the extracted goods information are sent to multiple assessors who assess the residual value of the goods. Desktop assessment information output means for transmitting via a communication line;
Each of the plurality of appraisers calculated with reference to the desktop assessment information, the desktop assessment amount of the residual value of the goods at the designated point of mid-term redemption included in the redemption estimate request, and before and after the designated period A desktop assessment amount acquisition means for acquiring a desktop assessment amount of the residual value of the goods at the time via a telecommunication line;
The debt information associated with the customer identification information related to the customer is extracted from the customer database, and the principal, interest rate, repayment method, residual value after the repayment period, etc. included in the extracted debt information are referred to. The processor calculates the amount of unpaid remaining debt of the debt at the designated point of mid-term redemption included in the request for redemption estimation and the amount of unpaid remaining debt of the debt at around the specified period from this designated time. A residual bond calculation means to
The desktop assessment amount at the designated point of mid-term redemption included in the plurality of redemption estimation requests by the plurality of assessment entities acquired by the desktop assessment amount acquisition means, and the desktop assessment amount at a time around the specified period from the designated point , and Redemption estimate information including the amount of unpaid residual bonds at the designated point of mid-term redemption included in the redemption estimate request calculated by the residual bond calculation means and the amount of unpaid residual bonds at the time around the specified period from the designated point Reimbursement estimate information output means for transmitting to customers via a telecommunication line;
Browsing the reimbursement estimate information to release the previously acquired goods and newly acquiring the next generation goods. Redemption request accepting means for accepting a mid-term redemption request including selection of whether to entrust the actual assessment of the residual value and designation of the mid-term redemption via a telecommunication line;
When the redemption request accepting unit accepts the mid-term redemption request, the mid-term redemption request information for entrusting the real assessment of the residual value of the goods at the designated point of mid-term redemption included in the mid-term redemption request An actual assessment consignment means for transmitting via the telecommunication line to the assessment subject selected in the request;
An actual appraisal acquisition means for acquiring an actual appraisal amount calculated for the residual value of the good by the appraisal entity that has received the actual appraisal commission information;
Credit information acquisition means for acquiring credit information including information relating to debt newly generated in connection with acquisition of the next-generation goods and including information specifying principal, interest rate, repayment method, and the like;
Goods information acquisition means for acquiring goods information on the next-generation goods;
A debt redemption means for updating debt information stored in the customer database;
Goods information update means for updating the goods information stored in the customer database,
When redeeming the outstanding debt of the debt with the residual value of the goods and carrying forward the redemption after the debt to the newly generated debt,
The remaining bond calculating means extracts the debt information associated with the customer identification information relating to the customer from the customer database and refers to this to determine the remaining redemption balance of the debt at the specified point of mid-term redemption included in the mid-term redemption request. Calculate the amount of bonds,
The residual bond redemption means refers to the actual assessment amount acquired by the actual assessment amount acquisition means, the amount of unpaid residual debt calculated by the residual bond calculation means, and the credit information acquired by the credit information acquisition means A transaction support apparatus for updating debt information, wherein the goods information update means updates the goods information with reference to the goods information acquired by the goods information acquisition means. The reimbursement estimate request accepting means also accepts current status information regarding the current status of the goods,
The transaction support apparatus according to claim 1 or 2, wherein the desktop assessment information output means transmits the desktop assessment information including the current status information received by the redemption estimate request acceptance means to the assessment subject. A program for causing a computer to function as the transaction support apparatus according to claim 1, 2, or 3, wherein the computer is
Information on the goods acquired by the customer and referenced for the calculation of the residual value of the goods, and information on the details of the customer's debt, including principal, interest rate, repayment method, and redemption period A customer database that stores debt information including information that defines the residual value of the customer in association with customer identification information that identifies the customer,
Reimbursement estimate request accepting means for accepting a reimbursement estimate request related to mid-term redemption of the debt by a customer who has been authenticated through acquisition of customer identification information and collation with a customer database,
When the reimbursement estimate request acceptance means accepts a reimbursement estimate request, the product information associated with the customer identification information related to the customer who has caused this reimbursement estimate request is extracted from the customer database, and the desktop assessment including the extracted good information A desktop assessment information output means for transmitting information via a telecommunication line to a plurality of assessment entities that assess the residual value of the goods;
Desktop assessment amount acquisition means for acquiring a desktop assessment amount of the residual value of the goods calculated by each of the plurality of assessment subjects with reference to the desktop assessment information via a telecommunication line,
When the reimbursement estimate request accepting unit accepts the reimbursement estimate request, the debt information associated with the customer identification information related to the customer who has caused the reimbursement estimate request is extracted from the customer database, and the element included in the extracted debt information A residual bond calculating means for calculating the amount of unpaid residual debt of the debt by calculation of a processor with reference to information defining gold, interest rate, repayment method, residual value after the redemption period, etc.,
Redemption estimate information including a plurality of desktop assessment amounts obtained by the plurality of assessment entities acquired by the desktop assessment amount acquisition means and an amount of unpaid residual bonds calculated by the residual bond calculation means toward the customer via a telecommunications line Reimbursement estimate information output means to send via
Browsing the reimbursement estimate information to release the previously acquired goods and newly acquiring the next generation goods. Redemption request accepting means for accepting a mid-term redemption request including selection of whether to enact an actual assessment of the residual value of the product and designation of the time of mid-term redemption via a telecommunication line;
When the redemption request accepting unit accepts the mid-term redemption request, the mid-term redemption request information for entrusting the real assessment of the residual value of the goods at the designated point of mid-term redemption included in the mid-term redemption request Actual assessment consignment means to transmit via telecommunications line to the assessment subject selected in the request,
An actual appraisal amount acquisition means for acquiring an actual appraisal amount calculated for the residual value of the good by the appraisal body that has received the actual appraisal commission information;
Credit information acquisition means for acquiring credit information that is information relating to debt newly generated in connection with acquisition of the next generation goods and includes information specifying principal, interest rate, repayment method,
Goods information acquisition means for acquiring goods information about the next-generation goods;
A debt redemption means for updating debt information stored in the customer database; and
A program for functioning as goods information update means for updating goods information stored in the customer database.

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