JP5280737B2 - Information processing apparatus, information processing method, and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an information processing apparatus, an information processing method and a program that can calculate statistical prices of automobiles serving as an index of calculating repurchase guarantee rates for elapsed years of automobiles without troubling researchers. <P>SOLUTION: The information processing apparatus 3 comprises a data acquisition part 31 for acquiring transaction detail data on each successfully auctioned automobile including the successful bid price of the auctioned automobile, the model year of the automobile and state information about the automobile from transaction detail management apparatus 2a-2c via a network N, a reference price calculation part 33 for calculating an automobile reference price of each successfully auctioned automobile for the elapsed years based on the model year of the successfully auctioned automobile from the successful bid price of the automobile and correction prices based on the state information, and a statistical price calculation part 35 for statistically processing such calculated reference prices to calculate statistical prices of automobiles serving as an index of calculating repurchase guarantee rates for elapsed years of automobiles. <P>COPYRIGHT: (C)2010,JPO&amp;INPIT

Description

  The present invention relates to an information processing apparatus, an information processing method, and a program that are connected to a transaction content management apparatus that manages the transaction contents of an automobile that has been exhibited in an auction via a network.

  Generally, when a user intends to purchase a new car, the user purchases a desired new car from a purchasing agent or a sales agent that handles the new car. Here, the purchasing agent thinks how to buy from the standpoint of the user (consumer), unlike the sales agent that focuses on how to sell from the manufacturer's standpoint. It is an agency that focuses on. For this reason, purchasing agents handle not only one manufacturer's automobile but also a plurality of manufacturers' automobiles. In recent years, such purchasing agents are increasing. In the following, a case where a new vehicle is purchased from a purchasing agent instead of a sales agent will be described.

  Here, in the purchasing agency as described above, in recent years, for example, a business of selling a new car is performed while guaranteeing a purchase price after three to six years (for example, Patent Documents 1 and 2). reference). Here, the purchase guarantee price refers to a trade-in assessment reference price after three to six years for a new vehicle, and is a price indicating a so-called future car value. In other words, the purchase guarantee price guarantees the purchase price 3 to 6 years after the new vehicle at the purchasing agency unless there are special circumstances. The special circumstances mentioned here include, for example, that the travel distance is greater than or equal to a predetermined distance, that the vehicle has been damaged by an accident, and that it has been modified to use a race. As a result, a user who wants to purchase a new vehicle can purchase a new vehicle from the purchasing agent while referring to the purchase guarantee price presented by the purchasing agent.

  For example, if the sales price of a new car is 1 million yen, and the purchase guarantee price after 3 years is 550,000 yen (that is, the purchase guarantee rate is 55%), the user may, for example, You can make a loan of 72 payments (once a month, repayment period 6 years). Here, since the purchase guarantee rate after three years is set at 55% at the purchasing agent, the user sells it for 550,000 yen three years after the purchase of the new car, and remains at that time. A 72-payment loan can be made when a new car is purchased so that the residual value is offset. As a result, for example, the loan can be paid off if it is sold at a purchase guaranteed price after 3 years, so that it is possible to easily transfer to the next new car. Also, even if you continue to ride a car without selling it at a guaranteed purchase price after 3 years, there is no need to reassemble a loan, so there will be no trouble between the purchasing agent and the user. .

By the way, the above purchase guarantee price (purchase guarantee rate) guarantees the purchase price (purchase rate) 3 to 6 years after the new vehicle at the purchase agent unless there are special circumstances. Therefore, it is necessary to set details and carefully for each vehicle type, grade, and body color. That is, for example, if a high purchase guarantee rate is set for an automobile that drops significantly in the used car market after three years, a large loss will be incurred at the purchasing agent. For this reason, in the past, investigators from purchasing agents have traveled to car auction venues around the country, or purchased information magazines issued by auction organizers and exhibited in auctions. It was necessary to investigate the details of the transaction. Then, the purchasing agent's investigator summarizes the results of the survey to grasp the trends in the used car market, and finally, based on his own rules of thumb or know-how, A purchase guarantee rate was set for each color.
JP 2002-149778 A JP 2002-215898 A

  However, in the above-mentioned conventional method, the investigator of the purchasing agent investigates the details of the transaction of the car exhibited in the auction, and grasps the trend in the used car market, and finally it Since the purchase guarantee rate is set based on the rule of thumb or know-how, it takes a lot of labor for the investigator of the purchasing agent. That is, it is not an easy task to set a purchase guarantee rate for each of all these vehicle types, grades, and body colors due to the recent diversification of automobiles. The purchasing agent also increases the labor cost to be paid to the investigator in order to set the purchase guarantee rate. Furthermore, in the conventional method described above, setting the purchase guarantee rate was highly dependent on the individual ability of the investigator at the purchasing agent, so when an experienced investigator retires, an appropriate purchase guarantee rate is obtained. Could not be set.

  The present invention has been made in view of the above-described problems, and the purpose of the present invention is to calculate the statistical price of an automobile, which is an index for calculating the purchase guarantee rate, without taking the trouble of investigators. An object is to provide an information processing apparatus, an information processing method, and a program that can be calculated for each year.

  In order to achieve the above object, an information processing device according to the present invention is an information processing device connected via a network to a transaction content management device that manages the transaction content of an automobile that has been exhibited in an auction. Transaction content data including the successful bid price of the car exhibited in the auction, the model year of the successful bid, and the status information indicating the status of the successful bid is received from the management device via the network. A data acquisition unit for each automobile, and the age of the automobile calculated from the year of the successful bid automobile, the reference price of the automobile in the calculated age, the successful bid price of the automobile, and the state information Based on the corrected price obtained from the reference price calculation unit that calculates for each successful bid vehicle, and the reference price calculated for each successful bid vehicle By calculating statistics, the statistical price of the car, which is an index for calculating the purchase guarantee ratio indicating the ratio of the purchase guaranteed price to the sales price of the car, is calculated for each elapsed year of the car, and the calculated statistical price is A statistical price calculation unit for recording in a statistical price recording unit accessible from the information processing apparatus.

  According to the information processing apparatus of the present invention, the data acquisition unit acquires transaction content data from the transaction content management device via the network for each successful bid car. Here, the transaction content data is data including the successful bid price of the car that has been exhibited in the auction, the year of the successful car, and the state information indicating the state of the successful car. Then, the reference price calculation unit calculates the age of the car from the model year of the car that has been awarded. The reference price calculation unit calculates the reference price of the automobile in the calculated elapsed years for each car that has been awarded based on the successful bid price of the automobile and the corrected price obtained from the state information. Then, the statistical price calculator calculates the purchase guarantee rate indicating the ratio of the purchase guarantee price to the sales price of the automobile by statistically calculating the reference price calculated for each successful bid automobile. A statistical price is calculated for each age of the car. The statistical price calculation unit records the calculated statistical price in a statistical price recording unit accessible from the information processing apparatus. Accordingly, the statistical price of the automobile, which is an index for calculating the purchase guarantee rate, can be calculated for each elapsed year of the automobile without any trouble for the investigator.

  In order to achieve the above object, an information processing method according to the present invention is an information processing method in which a computer connected via a network to a transaction content management device that manages the transaction content of an automobile exhibited in an auction is executed. The data acquisition unit provided in the computer, from the transaction content management device, through the network, the winning bid price of the car exhibited in the auction, the year of the winning car, and the winning bid of the car A data acquisition process for acquiring transaction content data including state information indicating a state for each vehicle for which a successful bid is made, and a reference price calculation unit included in the computer determines the age of the vehicle from the year of the bid for the vehicle And the standard price of the vehicle in the calculated elapsed years is obtained from the successful bid price of the vehicle and the state information. Based on the corrected price, a reference price calculation step for calculating each successful bid vehicle, and a statistical price calculation unit included in the computer statistics the reference price calculated for each successful bid vehicle. The statistical price of the car, which is an index for calculating the purchase guarantee ratio indicating the ratio of the purchase guaranteed price to the sales price of the car, is calculated for each elapsed year of the car, and the calculated statistical price is accessible from the computer. And a statistical price calculation step of recording in the statistical price recording unit.

  In order to achieve the above object, a program according to the present invention is a program for causing a transaction content management apparatus that manages transaction contents of automobiles exhibited in an auction to execute processing on a computer connected via a network. From the transaction content management device, via the network, transaction content data including the winning bid price of the car exhibited in the auction, the model year of the winning car, and status information indicating the status of the winning car, Data acquisition processing for each successful bid car, and the age of the car is calculated from the model of the successful bid car, and the reference price of the car in the calculated age is calculated as the successful bid price of the car, A reference price calculation process for calculating each successful bid vehicle based on the corrected price obtained from the status information; By statistically calculating the base price calculated for each vehicle, the statistical price of the vehicle, which is an index for calculating the purchase guarantee rate indicating the ratio of the purchase guaranteed price to the sales price of the vehicle, is calculated for each elapsed year of the vehicle. The computer is caused to execute a statistical price calculation process for calculating and recording the calculated statistical price in a statistical price recording unit accessible from the computer.

  In addition, the information processing method and program in this invention acquire the effect similar to said information processing apparatus.

  As described above, the information processing apparatus, the information processing method, and the program according to the present invention calculate the statistical price of a car, which serves as an index for calculating the purchase guarantee rate, without taking the trouble of investigators, There is an effect that each can be calculated.

  In an embodiment of the present invention, the information processing apparatus is associated with each elapsed year of the automobile, and a statistically valid reference mileage and a correction amount per predetermined distance are recorded in the elapsed years. The reference price calculation unit reads a reference mileage corresponding to the calculated age of the automobile from the correction value recording unit, and the read reference mileage and the state information indicate It is preferable that the correction price of the travel distance is calculated based on the travel distance of the car that has been awarded and the correction amount per predetermined distance recorded in the correction value recording unit. Thereby, the reference price calculation unit can calculate the corrected price of the travel distance so that the reference price corresponds to the reference travel distance.

  In an embodiment of the present invention, the correction value recording unit records a correction value for each color of the vehicle body so that the correction value becomes 0 when the color of the vehicle body is a reference color, and the reference price The calculation unit reads the correction value corresponding to the color of the vehicle body indicated by the state information from the correction value recording unit, and calculates the correction price of the color of the vehicle body by using the read correction value as an index. Is preferred. Thereby, the reference price calculation unit can calculate the correction price of the color of the vehicle body so that the reference price corresponds to the reference color.

  In an embodiment of the present invention, the statistical price calculation unit includes the top N reference prices (N is an integer equal to or greater than 1) of the reference prices calculated for each of the successful bid automobiles, It is preferable to calculate the statistical price of the automobile by calculating the average of the remaining reference prices excluding the lower N lowest price prices (N is an integer of 1 or more). As a result, the statistical price calculation unit can calculate the statistical price of the automobile after excluding the exceptional reference price.

  In an embodiment of the present invention, the information processing apparatus uses the statistical price of the automobile recorded in the statistical price recording unit and the sales price of the automobile as an index, thereby obtaining the purchase guarantee rate for each elapsed year of the automobile. It is preferable to further include a purchase guarantee rate calculating unit that calculates the purchase guarantee rate and records the calculated purchase guarantee rate in a purchase guarantee rate recording unit accessible from the information processing apparatus. As a result, the purchase guarantee rate calculation unit can calculate the purchase guarantee rate by using the statistical price of the automobile and the sales price of the automobile as indices. The purchase guarantee rate indicates the ratio of the purchase guarantee price to the automobile sales price.

  In an embodiment of the present invention, the information processing apparatus further includes a loan setting unit that sets a loan for repayment of a principal for purchasing a car within a predetermined repayment period, and the loan setting unit includes: Even if the principal and the number of repayments in the repayment period are the same, for vehicles with a high purchase guarantee rate, for vehicles with a low purchase guarantee rate so that the interest to be paid by the user is large. Thus, it is preferable to set an interest rate for the principal so that the interest to be paid by the user is reduced. That is, the interest to be paid is small for the user who repays the principal early, and the interest to be paid becomes large for the user who repays the principal late. Thereby, fairness among users can be achieved.

  In an embodiment of the present invention, the loan setting unit reads the purchase guarantee rate in the elapsed years within the repayment period from the purchase guarantee rate recording unit, and is obtained from the read purchase guarantee rate. It is preferable that the loan is set so that the guaranteed purchase price becomes the principal to be repaid in the elapsed years. Thereby, since the loan can be paid off if the automobile is sold at the purchase guaranteed price in the elapsed years, the user can easily transfer to the next automobile.

  Hereinafter, more specific embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing a schematic configuration of a communication system 1 according to the present embodiment. That is, the communication system 1 according to the present embodiment includes transaction content management devices 2a to 2c, an information processing device 3, and a browsing device 4. Transaction content management devices 2 a to 2 c, information processing device 3, and browsing device 4 are connected to each other via network N. The network N is, for example, the Internet, and the transaction content management devices 2a to 2c, the information processing device 3, and the browsing device 4 are TCP / IP (Transmission Control Protocol / Internet Protocol), UDP / IP (User Datagram Protocol / It is possible to communicate with each other using a predetermined protocol such as Internet Protocol. The network N may be Ethernet (registered trademark), a wireless LAN, or the like instead of the Internet.

  In FIG. 1, for simplicity of explanation, three transaction content management devices 2 a to 2 c, one information processing device 3, and one browsing device 4 are illustrated. The numbers of the management devices 2a to 2c, the information processing device 3, and the browsing device 4 are arbitrary. In addition, other clients and various servers (Web server, mail server, homepage server, proxy server, DNS server, DHCP server, etc.) may exist on the communication system 1.

  The transaction content management devices 2a to 2c are devices that manage the transaction content of a car that has been exhibited in an auction. For this reason, the transaction content management devices 2a to 2c according to the present embodiment are provided at respective auction venues held in various places throughout the country. In the present embodiment, the transaction content management device 2a is provided at an auction site held in Osaka Prefecture. Further, the transaction content management device 2b is provided at an auction site held in Hiroshima Prefecture. Furthermore, the transaction content management device 2c is provided at an auction site held in Tokyo. Here, in the present embodiment, dealers, sales agents, purchasing agents, etc. throughout the country use auctions held in various parts of the country for buying and selling used cars. For example, at the end of the auction, the transaction content management devices 2a to 2c store the transaction content of the automobiles exhibited in the auction by the auctioneer.

  The information processing apparatus 3 is provided, for example, in a purchasing agency that sells automobiles to users, and is configured by one or more computers such as a personal computer, a server machine, and a workstation. The information processing apparatus 3 includes a data acquisition unit 31, a correction value recording unit 32, a reference price calculation unit 33, a reference price recording unit 34, a statistical price calculation unit 35, a statistical price recording unit 36, a purchase guarantee rate calculation unit 37, and a purchase guarantee. A rate recording unit 38 and a loan setting unit 39 are provided.

  Here, each function of the data acquisition unit 31, the reference price calculation unit 33, the statistical price calculation unit 35, the purchase guarantee rate calculation unit 37, and the loan setting unit 39 is determined by a calculation device such as a CPU provided in the computer. This is realized by executing the program. Therefore, a program for realizing the above functions by a computer or a recording medium on which the program is recorded is also an embodiment of the present invention. The correction value recording unit 32, the reference price recording unit 34, the statistical price recording unit 36, and the purchase guarantee rate recording unit 38 are embodied by a built-in storage device of a computer or a storage device accessible from this computer.

  The data acquisition unit 31 acquires transaction content data from the transaction content management devices 2a to 2c via the network N for each vehicle for which a successful bid is made. Here, the transaction content data is data including the successful bid price of the car that has been exhibited in the auction, the year of the successful car, and the state information indicating the state of the successful car. The state information includes at least one of the travel distance of the car that has been awarded, the color of the vehicle body, the equipment, the evaluation point, and the vehicle inspection. In the present embodiment, the administrator of the information processing device 3 instructs the data once per month by using an input device (for example, a mouse, a keyboard, a voice recognition device, etc.) (not shown) of the information processing device 3. The acquisition unit 31 acquires transaction content data from the transaction content management devices 2a to 2c via the network N. Note that the data acquisition unit 31 acquires the updated transaction content data when the transaction content data stored in the transaction content management devices 2a to 2c is updated by monitoring the transaction content management devices 2a to 2c. You may make it do.

FIG. 2 shows an example of the data structure of the transaction content data acquired by the data acquisition unit 31. As shown in FIG. 2, the transaction content data D, an exhibition number D _1, and a successful bid day D _2, and a contract price D _3. In the example shown in FIG. 2, the exhibition number is “1”, and it was shown that a successful bid was made on December 10, 2007 for 1,790,000 yen. Further, in the transaction content data D, the manufacturer D ₄ of the manufacturer, the car name (vehicle type) D ₅ , the grade D ₆ , the model number D _7, and the year D ₈ are shown as information indicating the successful bid car. In addition.

The transaction contents data D includes information on the state of the car that has been awarded (state information), such as a travel distance D ₉ , a body color D ₁₀ , equipment D ₁₁ , an evaluation point D _12, and a next vehicle inspection. a day D _13, other further comprises a D _14. In the example shown in FIG. 2, the travel distance is 25,000 km, the color of the vehicle body is black, and the twin sun roof, car navigation system, leather seat, and ETC are installed. The evaluation score is “A”. Here, in this embodiment, there are six evaluation points, S, A, B, C, D, and E, where S has the highest evaluation and E has the lowest evaluation. The evaluation points may further include interior points and exterior points. In addition, the next vehicle inspection date is June 2008, and there is no one owner, inspection book and repair history.

It should be noted that the transaction content data D includes information indicating where the auction site was traded, information on the purchaser, information on the original owner, etc. in addition to the information D _{1 to} D ₁₄ described above. Good.

  As described above, the data acquisition unit 31 acquires transaction content data from the transaction content management devices 2a to 2c via the network N for each successful bid car. The data acquisition unit 31 outputs the transaction content data acquired for each successful bid car to the reference price calculation unit 33.

  The correction value recording unit 32 records a correction value serving as an index for calculating a correction price for each travel distance, body color, equipment, evaluation point, vehicle inspection, and the like. The corrected price will be described later. In the present embodiment, the correction value recording unit 32 includes a reference travel distance “30,000” km after 3 years and a reference travel distance “40,000” km after 4 years as travel distance correction values. Reference mileage “50,000” km after five years, reference mileage “60,000” km after six years, and a correction amount of “12” yen per km are recorded. In addition, said reference | standard driving | running distance has shown the distance generally considered to drive | work 3-6 years after a new vehicle. That is, the above-mentioned reference mileage indicates a statistically valid mileage in the age of the automobile.

  The correction value recording unit 32 records a correction factor for each color as a correction value for the color of the vehicle body. In the present embodiment, the correction value recording unit 32 includes white “0”%, black “−1”%, blue “2”%, and brown “3”% as the correction rate of the body color. Silver “2”% and red “5”% are recorded. That is, since white has a correction rate of “0”%, in this embodiment, the reference color is white.

  The correction value recording unit 32 records a correction amount for each equipment as a correction value for the equipment. In the present embodiment, the correction value recording unit 32 includes a navigation system “−50,000” yen, a back camera “−10,000” yen, and a twin sun roof “−80,000” as the correction amount of the equipment. ”, Sunroof“ −30,000 ”, leather sheet“ −60,000 ”, and ETC“ −5000 ”. In the present embodiment, the correction amount of the equipment is recorded in the correction value recording unit 32 so as to be −40% of the new purchase price when the equipment is newly purchased from the store. .

  The correction value recording unit 32 records a correction factor for each evaluation point as a correction value for the evaluation point. In the present embodiment, the correction value recording unit 32 has the evaluation score S “2”%, the evaluation score A “0”%, the evaluation score B “−1”%, and the evaluation score as the evaluation score correction rate. A point C “−2”%, an evaluation point D “−3”%, and an evaluation point E “−4”% are recorded. That is, since the evaluation point A is the correction rate “0”%, in the present embodiment, the reference evaluation point is “A”. In the present embodiment, the correction value recording unit 32 records a correction amount “4,000” yen per month as a correction value for the vehicle inspection. Furthermore, in the present embodiment, the correction value recording unit 32 includes, as other correction values, a correction amount “−17,900” for a one-owner and a correction amount “50,000” for a repair history. Circles etc. are recorded. One owner indicates that only one person has owned the new car after registration.

  Here, in the present embodiment, the correction value is recorded in the correction value recording unit 32 by the administrator of the information processing apparatus 3 operating with the input device. The correction value recorded in the correction value recording unit 32 is updated to a new correction value when the administrator of the information processing device 3 operates using the input device. Note that the correction value recorded in the correction value recording unit 32 may be updated based on the transaction content data acquired by the data acquisition unit 31.

  In the example shown in FIG. 1, the travel distance, the color of the vehicle body, the equipment, the evaluation point, the vehicle inspection, and other correction values are recorded in one piece of hardware (correction value recording unit 32). Although described, it is not limited to this. For example, the correction value may be recorded in different hardware for each mileage, body color, equipment, evaluation point, vehicle inspection, etc. In this case, since each correction value is recorded in different hardware, the management of the correction value is facilitated by the administrator of the information processing apparatus 3. Moreover, the correction value recording part 32 may be provided for every grade of vehicle type. If the correction value recording unit 32 is provided for each grade of the vehicle type, the reference price calculation unit 33 can calculate a more appropriate reference price of the vehicle.

  First, the reference price calculation unit 33 calculates the age of the car from the year of the car that has been awarded based on the transaction content data acquired by the data acquisition unit 31. Here, it is assumed that the reference price calculation unit 33 according to the present embodiment calculates the elapsed years of the automobile corresponding to the transaction content data D shown in FIG. The current date is February 2008. In such a case, the reference price calculation unit 33 calculates the date (June 2005) indicated by the year “H17.6” of the car that has been awarded from the current date (February 2008). The subtracted value (difference value) is calculated. Here, the reference price calculation unit 33 calculates the difference value “August 2 years”.

  By the way, in the reference price calculation unit 33, the following rules are recorded in advance in order to calculate the age of the automobile. In other words, if the calculated difference value is less than 3 years, the rule is that the age of the automobile is 3 years. Further, if the calculated difference value is 3 years or more and less than 4 years, the rule is that the age of the automobile is 4 years. Moreover, if the calculated difference value is 4 years or more and less than 5 years, the rule is that the age of the automobile is 5 years. Furthermore, if the calculated difference value is 5 years or more and less than 6 years, the rule is that the age of the automobile is 6 years. As described above, according to these rules, the difference value “August 2 years” calculated above is 3 years, so the reference price calculation unit 33 calculates the elapsed years of the automobile of 3 years. In addition, 3-6 years of elapsed years of said motor vehicle are an example to the last, Comprising: It is not limited to this. Also, the above rule is merely an example, and the present invention is not limited to this.

  The reference price calculation unit 33 calculates the reference price of the automobile in the elapsed years calculated above for each car that has been awarded based on the successful bid price and the correction price of the automobile. The correction price is a price obtained from the correction value recorded in the correction value recording unit 32 and the state information included in the transaction content data acquired by the data acquisition unit 31. That is, in the present embodiment, the base price of the automobile is calculated by the following (Formula 1).

  Automobile standard price = successful bid price + (mileage correction price + body color correction price + equipment correction price + evaluation point correction price + vehicle inspection correction price + other correction prices) ――― (Formula 1 )

  That is, for example, generally, if the mileage is short (less than the reference mileage “30,000” km after three years) even though three years have passed since the new car, the winning bid price will be high, If the mileage is long (longer than the reference mileage “30,000” km after three years), the successful bid price is low. For example, if the color of the vehicle body is black, the successful bid price increases, and the successful bid price decreases as the color of the vehicle body becomes white, blue, brown, silver, or red. That is, the color of the vehicle body is generally popular in the order of black, white, blue, brown, silver, and red. In addition, if the vehicle body is equipped with various equipment, the successful bid price is high, and if the vehicle body is not equipped with various equipment, the successful bid price is low. Further, if the evaluation score is high, the successful bid price is high, and if the evaluation score is low, the successful bid price is low. Also, if there are months before the next vehicle inspection date, the successful bid price will be high, and if there are no months before the next vehicle inspection date, the successful bid price will be low. In addition, if it is one owner, the winning bid price is high, and if it is not one owner, the winning bid price is low. Further, if there is no repair history, the successful bid price is high, and if there is a repair history, the successful bid price is low. Thus, even if the elapsed years, vehicle type, and grade are all the same, the successful bid price varies depending on the travel distance, the color of the vehicle body, the equipment, the evaluation point, the next vehicle inspection date, and the like. For this reason, the reference price calculation unit 33 can calculate the reference price of the automobile by correcting the winning bid price with the correction price as in (Expression 1). That is, the standard price of a car shows a standard price in the age of the car concerned.

  Below, the case where the base price of the motor vehicle corresponding to the transaction content data D shown in FIG. 2 is calculated is demonstrated. Note that the age of the automobile corresponding to the transaction content data D shown in FIG. 2 is three years as described above.

  The reference price calculation unit 33 first calculates a corrected price for the travel distance. Specifically, the reference price calculation unit 33 reads the reference mileage corresponding to the number of elapsed years of the automobile from the correction value recording unit 32. Here, the reference price calculation unit 33 reads the reference travel distance “30,000” km from the correction value recording unit 32. Then, the reference price calculation unit 33 subtracts the read reference travel distance “30,000” km from the travel distance (actual travel distance) “25,000” km indicated by the transaction content data D to obtain “−5000”. km is calculated. Then, the reference price calculation unit 33 multiplies the calculated “−5000” km by the correction amount “12” yen per 1 km, which is the correction value of the travel distance. Thereby, the reference price calculation unit 33 calculates “−60,000” yen. That is, the reference price calculation unit 33 calculates the corrected travel distance “−60,000” yen. That is, since the actual travel distance is shorter than the reference travel distance, the reference price calculation unit 33 calculates a corrected price (negative price) for the travel distance so that the reference price corresponds to the reference travel distance. If the actual mileage is longer than the reference mileage, the reference price calculation unit 33 calculates the corrected mileage price (plus price) so that the reference price corresponds to the reference mileage. To do.

  Next, the reference price calculation unit 33 calculates a correction price for the color of the vehicle body. Specifically, the reference price calculation unit 33 reads the correction rate corresponding to the color “black” of the vehicle body indicated by the transaction content data D from the correction value recording unit 32. Here, the reference price calculation unit 33 reads the correction rate “−1”% from the correction value recording unit 32. Here, it is assumed that the sales price of the new car corresponding to the transaction content data D is “2,835,000” yen. The reference price calculation unit 33 multiplies the sales price “2,835,000” yen in the new car by a correction factor “−1”%. Thereby, the reference price calculation unit 33 calculates “−28,350” yen. That is, the base price calculation unit 33 calculates a correction price “−28,350” yen for the color of the vehicle body. That is, since black is more popular than white, the reference price calculation unit 33 calculates the correction price (negative price) of the color of the vehicle body so that the reference price corresponds to the reference color (white). In addition, if the color of the vehicle body is blue, brown, silver, or red, which is less popular than white, the reference price calculation unit 33 sets the vehicle body price so that the reference price according to the reference color (white) is obtained. Calculate the correction price (plus price) of the color.

  Then, the reference price calculation unit 33 calculates the corrected price of the equipment. Specifically, the reference price calculation unit 33 reads the correction amount corresponding to the equipment indicated by the transaction content data D, that is, the twin sun roof, the car navigation system, the leather sheet, and the ETC from the correction value recording unit 32. Here, the reference price calculation unit 33 reads from the correction value recording unit 32 the twin sun roof “−80,000” yen, the car navigation system “−50,000” yen, the leather sheet “−60,000” yen, the ETC “ Read -5000 "circles respectively. The reference price calculation unit 33 calculates the sum of these read correction amounts. Here, the base price calculation unit 33 calculates “−195,000” yen. That is, the reference price calculation unit 33 calculates the corrected price “-195,000” yen for the equipment. That is, the reference price calculation unit 33 calculates the corrected price (negative price) of the equipment so as to be the reference price when no equipment is provided.

  Then, the reference price calculation unit 33 calculates a correction price for the evaluation score. Specifically, the reference price calculation unit 33 reads the correction rate corresponding to the evaluation score “A” indicated by the transaction content data D from the correction value recording unit 32. Here, the reference price calculation unit 33 reads the correction rate “0”% from the correction value recording unit 32. The reference price calculation unit 33 multiplies the sales price “2,835,000” yen in the new car by a correction rate “0”%. Thereby, the reference price calculation unit 33 calculates “0” yen. That is, the base price calculation unit 33 calculates the correction price “0” yen of the evaluation score. That is, the reference price calculation unit 33 calculates the correction price of the evaluation score so that the reference price corresponds to the reference evaluation score (evaluation score A).

  Then, the reference price calculation unit 33 calculates a corrected price for the vehicle inspection. Specifically, the reference price calculation unit 33 is a value obtained by subtracting the next vehicle inspection date “H20.6” (June 2008) indicated by the transaction content data D from the current date (February 2008). Is calculated. Here, the reference price calculation unit 33 calculates “−4” months. Then, the reference price calculation unit 33 multiplies the calculated “−4” month by a correction amount “4,000” yen per month, which is a correction value for the vehicle inspection. Thereby, the reference price calculation unit 33 calculates “−16,000” yen. That is, the reference price calculation unit 33 calculates the corrected price “−16,000” yen for the vehicle inspection. That is, the reference price calculation unit 33 calculates the corrected price of the vehicle inspection so that it becomes the reference price when there is no number of months until the next vehicle inspection.

  Then, the reference price calculation unit 33 calculates other corrected prices. Specifically, the reference price calculation unit 33 reads the correction amount corresponding to the one owner indicated by the transaction content data D from the correction value recording unit 32. Here, the reference price calculation unit 33 reads the correction amount “−17,900” yen from the correction value recording unit 32. That is, the reference price calculation unit 33 calculates the other corrected price “−17,900” yen. That is, the reference price calculation unit 33 calculates other corrected prices so as to be the reference price when it is determined that the owner is not one owner.

  The mileage correction price is “−60,000” yen, the color correction price is “−28,350” yen, the equipment correction price is “−195,000” yen, and the evaluation point correction price is “ “0” yen, the correction price for the vehicle inspection is “−16,000” yen, and the other correction prices are “−17,900” yen. The winning bid is “1,790,000” yen (see FIG. 2). By substituting these corrected price and successful bid price into the above (Formula 1), the reference price calculation unit 33 can calculate the reference price of the automobile after three years. That is, the base price calculation unit 33 calculates the base price “1,488,750” yen of the car after three years.

  As described above, the reference price calculation unit 33 calculates the reference price of the vehicle for each transaction content data acquired by the data acquisition unit 31 (that is, for each vehicle for which a successful bid is made). The reference price calculation unit 33 records the calculated reference price of the vehicle in the reference price recording unit 34 in association with the age of the vehicle and information (manufacturer manufacturer, vehicle name, grade, model number) indicating the vehicle. I will do it. As a result, the reference price recording unit 34 records the reference price of the car for each car that has been awarded.

  In the above, the example in which the reference price calculation unit 33 calculates the reference price of the vehicle by the above (Formula 1) has been described, but the present invention is not limited to this. That is, the reference price calculation unit 33 makes a successful bid with at least one of the correction price of the travel distance, the correction price of the body color, the correction price of the equipment, the correction price of the evaluation point, the correction price of the vehicle inspection, and other correction prices. The standard price of the car may be calculated by using the price. Further, the reference price calculation unit 33 may calculate the reference price of the automobile by taking into account a correction price other than the above.

  The statistical price calculation unit 35 calculates the statistical price of the automobile for each elapsed year of the automobile by statistically calculating the reference price for each of the successful bid cars recorded in the reference price recording unit 34. Specifically, the statistical price calculation unit 35 first reads, from the reference price recording unit 34, records having the same grade and indicating the same elapsed years. Then, the statistical price calculation unit 35 rearranges the read records in descending order of the reference price or in ascending order of the reference price. The statistical price calculation unit 35 excludes the top 2% records with the high base price and the bottom 2% records with the low base price among the sorted records. Note that the value of 2% is merely an example, and is not limited to this. That is, when there are 500 sorted records, the statistical price calculation unit 35 determines that the top 2% records (the top 10 records) with the high base price and the bottom 2% records (the bottom base) with the low base price. 10 records). As a result, the statistical price calculation unit 35 can exclude exceptional records (exceptional reference prices). Then, the statistical price calculation unit 35 calculates the statistical price of the automobile by calculating the average of the reference prices included in the remaining records.

  In this way, the statistical price calculation unit 35 calculates the statistical price of the same grade automobile for each elapsed year of the automobile. The statistical price calculation unit 35 records the calculated statistical price in the statistical price recording unit 36 for each elapsed year of the automobile in association with information (manufacturer, vehicle name, grade, model number) indicating the automobile. FIG. 3 is a diagram illustrating an example of data recorded in the statistical price recording unit 36. As shown in FIG. 3, the statistical price recording unit 36 includes manufacturer, car name, grade, model number, reference color, new car sales price, statistical price after 3 years, statistical price after 4 years, and statistical price after 5 years. The statistical price and the statistical price after 6 years are recorded.

  By the way, in this embodiment, the manager of the information processing device 3 gives an instruction once a month using the input device of the information processing device 3, so that the transaction content management devices 2 a to 2 c via the network N. Transaction details data is acquired. For this reason, the statistical price calculation unit 35 according to the present embodiment calculates the statistical price of the same grade car once a month for each elapsed year of the car based on the newly acquired transaction content data. It will be. That is, in the statistical price recording unit 36, the statistical price calculated by the statistical price calculation unit 35 in the previous month is recorded. Here, the statistical price calculation unit 35 according to the present embodiment does not update all the statistical prices (statistical prices up to the previous month) recorded in the statistical price recording unit 36 to the statistical prices newly calculated this month, The statistical price recorded in the statistical price recording unit 36 is updated by the following method.

  In other words, when 100 or more records indicating the same grade are recorded in the reference price recording unit 34, the statistical price calculation unit 35 calculates the statistical price newly calculated this month with respect to the statistical price up to the previous month. The statistical price recorded in the statistical price recording unit 36 is updated so that 50% is reflected. For example, consider a case where the statistical price up to the previous month is “1,500,000” yen and the statistical price newly calculated this month is “1,580,000” yen. In this case, the statistical price calculation unit 35 subtracts the statistical price “1,500,000” yen up to the previous month from the statistical price “1,580,000” yen newly calculated this month, thereby obtaining “80,000”. Calculate the circle. The statistical price calculation unit 35 calculates “40,000” yen by multiplying the calculated “80,000” yen by 0.5 (50%). Then, the statistical price calculator 35 calculates “1,540,000” yen by adding the statistical price “1,500,000” yen up to the previous month to the calculated “40,000” yen. That is, the statistical price calculation unit 35 updates the statistical price “1,500,000” yen recorded in the statistical price recording unit 36 until the previous month to the calculated “1,540,000” yen.

  In addition, when 50 or less and less than 100 records indicating the same grade are recorded in the reference price recording unit 34, the statistical price calculation unit 35 newly calculates the statistical price up to the previous month this month. The statistical price recorded in the statistical price recording unit 36 is updated so that 25% of the statistical price is reflected. The statistical price calculation unit 35 does not update the statistical price recorded in the statistical price recording unit 36 when less than 50 records indicating the same grade are recorded in the reference price recording unit 34. Carry over to the next month.

  Thus, the statistical price calculation unit 35 does not update all the statistical prices (statistical prices up to the previous month) recorded in the statistical price recording unit 36 to the statistical prices newly calculated this month, but indicates the same grade. The statistical price newly calculated this month is reflected on the statistical price up to the previous month, depending on the number of records being recorded. For this reason, the statistical price recording unit 36 records an appropriate statistical price of the automobile.

  The purchase guarantee rate calculating section 37 uses the statistical price of the automobile recorded in the statistical price recording section 36 and the sales price of the new automobile as an index to obtain the ratio of the guaranteed purchase price to the sales price of the new automobile. The purchase guarantee rate shown is calculated for each age of the car. That is, the purchase guarantee rate calculation unit 37 divides the statistical price of the car by the sales price of the new car, and corrects the divided value by the correction rate of the color of the car body, thereby obtaining the progress of the car. Calculate the purchase guarantee rate for each year. Here, as described in the background art, the guaranteed purchase price indicates an amount that guarantees the purchase price after three to six years for a new vehicle at a purchasing agent, unless there are special circumstances.

  Here, the purchase guarantee rate calculation processing by the purchase guarantee rate calculation unit 37 will be specifically described below. First, in the statistical price recording unit 36, the sales price of the new car of the car corresponding to the car of the manufacturer “XX”, the car name “ΔΔ”, the grade “AX”, and the model number “ABC-DEF10W” “ 2,835,000 "yen, statistical price" 1,526,450 "after 3 years, statistical price" 992,250 "after 4 years, statistical price" 765,450 "after 5 years, and It is assumed that the statistical price “567,000” yen after 6 years is recorded (see the top record in FIG. 3). Further, the purchase guarantee rate calculation unit 37 is a car of the manufacturer “XX”, the car name “ΔΔ”, the grade “AX”, the model number “ABC-DEF10W”, and the car body color is “black”. In such cases, the purchase guarantee rate shall be calculated.

  In such a case, the purchase guarantee rate calculation unit 37 divides the statistical price “1,526,450” yen after three years by the sales price “2,835,000” yen of the new car, thereby obtaining “54”. % Is calculated. Here, the first decimal place is rounded off. Then, the purchase guarantee rate calculation unit 37 reads the correction rate corresponding to the color “black” of the vehicle body from the correction value recording unit 32. Here, the purchase guarantee rate calculation unit 37 reads the correction rate “−1”% from the correction value recording unit 32. Then, the purchase guarantee rate calculation unit 37 calculates the purchase guarantee rate “55”% after three years by subtracting the read correction rate “−1”% from the calculated “54”%.

  Similarly, the purchase guarantee rate calculation unit 37 calculates “35”% by dividing the statistical price “992,250” yen after four years by the sales price “2,835,000” yen of the new car. The purchase guarantee rate calculation unit 37 calculates the purchase guarantee rate “36”% after four years by subtracting the black correction rate “−1”% from the calculated “35”%. Further, the purchase guarantee rate calculation unit 37 calculates “27”% by dividing the statistical price “765,450” yen after five years by the sales price “2,835,000” yen of the new car. The purchase guarantee rate calculation unit 37 calculates the purchase guarantee rate “28”% after five years by subtracting the black correction rate “−1”% from the calculated “27”%. Further, the purchase guarantee rate calculating unit 37 calculates “20”% by dividing the statistical price “567,000” yen after six years by the sales price “2,835,000” yen of the new car. The purchase guarantee rate calculation unit 37 calculates the purchase guarantee rate “21”% after six years by subtracting the black correction rate “−1”% from the calculated “20”%.

  In this way, the purchase guarantee rate calculation unit 37 divides the statistical price of the car by the sales price of the new car and corrects the divided value by the correction rate of the color of the car body. The guarantee rate is calculated. As a result, even if the car is of the same grade, the purchase guarantee rate is high if the car is a popular color, such as black, and the purchase guarantee rate is low if the car is not popular. Become. The purchase guarantee rate calculation unit 37 associates the calculated purchase guarantee rate with information (manufacturer, vehicle name, grade, model number) indicating the vehicle and the color of the vehicle body, and records the purchase guarantee rate for each elapsed year of the vehicle. Recording to part 38. FIG. 4 is a diagram illustrating an example of data recorded in the purchase guarantee rate recording unit 38. As shown in FIG. 4, the purchase guarantee rate recording unit 38 includes manufacturer, vehicle name, grade, model number, body color, new vehicle sales price, purchase guarantee rate after 3 years, purchase guarantee rate after 4 years. The purchase guarantee rate after 5 years and the purchase guarantee rate after 6 years are recorded.

  In the above description, when the data acquisition unit 31 acquires transaction content data, the purchase guarantee rate calculation unit 37 calculates the purchase guarantee rate for each elapsed year of the automobile. For this reason, in the case of a new vehicle model that is newly sold, the purchase guarantee rate for the new vehicle model cannot be calculated because it has not yet been exhibited in the auction. Therefore, the purchase guarantee rate calculation unit 37 according to the present embodiment calculates the purchase guarantee rate for a new vehicle type by providing the following functions.

  That is, the purchase guarantee rate calculation unit 37 reads out the statistical price of the automobile close to the new vehicle type from the statistical price recording unit 36. Here, the vehicle close to the new vehicle type is, for example, a vehicle with the same new vehicle type and category (sedan, station wagon, coupe, minivan, hatchback, SUV, light vehicle, open, etc.) or a vehicle of the same manufacturer as the new vehicle type. And the car of the same category. Note that a vehicle close to a new vehicle type may be determined by operating the input device by the administrator of the information processing apparatus 3. Thereafter, as described above, the purchase guarantee rate calculation unit 37 calculates the purchase guarantee rate for each elapsed year of the automobile. In this case, the purchase guarantee rate calculation unit 37 divides the sales price of the new car by the statistical price of the car, so that the car body color correction rate and the manufacturer correction rate The purchase guarantee rate may be calculated by correcting with the above. For example, if a car from a different manufacturer is selected as a car close to a new model, it is possible to calculate a more appropriate purchase guarantee rate by calculating the purchase guarantee rate after correcting with the manufacturer's correction factor. It is.

  The loan setting unit 39 repays the principal for purchasing the car within a predetermined repayment period when instructed by the administrator of the information processing device 3 or when instructed by the browsing device 4. Set up a loan to do. For example, when there is an instruction from the administrator of the information processing device 3 or when there is an instruction from the browsing device 4, the loan setting unit 39 makes a total of 72 once a month within a repayment period of 6 years. By making payments over time, a loan that can pay off the principal is set. Note that the repayment period of 6 years and the repayment count of 72 are merely examples, and the present invention is not limited to this.

  Here, for example, if the user sells the automobile at the purchase guarantee price obtained from the purchase guarantee rate after three years, the residual value (principal) remaining at that time can be offset. Set up a loan. That is, the loan setting unit 39 first reads the purchase guarantee rate in the number of years elapsed after 3 years from the purchase guarantee rate recording unit 38. The loan setting unit 39 sets the loan so that the purchase guarantee price obtained from the read purchase guarantee rate becomes the principal to be repaid in the elapsed years after three years. As a result, the user can easily transfer to the next new car because the loan can be paid off if the car is sold at the purchase guaranteed price after three years.

  In other words, whether you continue to ride a car or switch to a new car, if the car has the same principal (sales price), the repayment amount you have to pay every month after 3 years will be about the same Become. In addition, when switching to a new car, additional costs are required for registration of the new car. This cost is the cost required for car inspection (legal car inspection after 3 years) when continuing to ride a car, It is almost equal to the sum required for the maintenance of the automobile. In other words, whether the user continues to ride a car or changes to a new car, the amount of money that the user should bear hardly changes.

  In this way, the loan setting unit 39 sets the loan so that the principal becomes the purchase guaranteed price after 3 years, so that the user can pay off the loan by selling the car at the purchase guaranteed price after 3 years. In addition, even if the user continues to ride a car or changes to a new car, the amount to be borne by the user hardly changes, so that the user can easily change to the next new car. Also, even if you continue to ride a car without selling it at a guaranteed purchase price after 3 years, there is no need to reassemble a loan, so there will be no trouble between the purchasing agent and the user. . “3 years” is merely an example, and the present invention is not limited to this. For example, it may be 4 years, 5 years, or 6 years.

  Further, even if the principal and the number of repayments in the repayment period are the same, the loan setting unit 39 sets the purchase guarantee rate so that the interest to be paid by the user is increased for a car having a high purchase guarantee rate. For low cars, the interest rate is set on the principal so that the interest payable by the user is small.

  Here, in the following, a method for setting an interest rate by the loan setting unit 39 will be specifically described. First, the sales price for a new car is 1 million yen, the color of the body is white, and the purchase price is 3% in 3 years (that is, the purchase guarantee price is 550,000 yen), and the sales price for the new car is 1 million yen. Suppose that there is a B car with a circle, red body color, purchase guarantee rate after 3 years of 40% (that is, purchase guarantee price is 400,000 yen). And the loan setting part 39 shall set the loan which has a 6-year repayment period (payment once a month, 72 times) with respect to each of A car and B car. Further, the loan setting unit 39 sets the loan so that the guaranteed purchase price after 3 years becomes the principal to be repaid in the number of years passed after 3 years. It is assumed here that the real annual interest rate is 4.6%. Therefore, according to the known add-on annual rate table, the add-on fee rate is 7.25% for 36 payments and 14.62% for 72 payments. Since the method for calculating the add-on rate from the real annual interest rate is already known, the description thereof is omitted here.

  FIG. 5 is an explanatory diagram for explaining the relationship between the repayment period and the principal (here, the selling price in a new car). FIG. 5 (a) is for the A car, and FIG. 5 (b) is the B car. Shows the case. In addition, in FIG. 5, the principal will be the guaranteed purchase price after 3 years (550,000 yen for the A car and 400,000 yen for the B car), and the principal will be fully repaid after 6 years. A loan is set by the loan setting unit 39. Thus, as described above, the user can easily transfer to the next new car because the loan can be completed if the car is sold at the purchase guaranteed price after three years.

Here, the case of the A car will be described first. As shown in FIG. 5 (a), in the portion of E _1, since the user to pay 450,000 yen 3 years (12 months × 3 years = 36 time payment), sets a 7.25% add-on rate . Therefore, the interest payable by the user in the portion E ₁ is 450,000 yen × 7.25% = 32,625 yen. In the portion E ₂ , the user continues to borrow 550,000 yen for 3 years, so a real annual interest rate of 4.6% is set. Therefore, the interest to be paid by the user in the portion E ₂ is 550,000 yen × 4.6% × 3 years = 75,900 yen. Further, in the portion E ₃ , the user repays 550,000 yen in 3 years (December × 3 years = 36 payments), so an add-on rate of 7.25% is set. Therefore, the interest to be paid by the user in the portion E ₃ is 550,000 yen × 7.25% = 39,875 yen. Thus, the total interest payable by the user is 32,625 yen + 75,900 yen + 39,875 yen = 148,400 yen.

Next, the case of the B car will be described. As shown in FIG. 5 (b), in the portion of E _1, since the user to pay 600,000 yen 3 years (12 months × 3 years = 36 time payment), sets a 7.25% add-on rate . Therefore, the interest to be paid by the user in the portion E ₁ is 600,000 yen × 7.25% = 43,500 yen. In the portion E ₂ , the user continues to borrow 400,000 yen for 3 years, so the real annual interest rate is set to 4.6%. Therefore, the interest to be paid by the user in the portion E ₂ is 400,000 yen × 4.6% × 3 years = 55,200 yen. Furthermore, in the portion of E ₃ , the user repays 400,000 yen in 3 years (December × 3 years = 36 payments), so an add-on rate of 7.25% is set. Therefore, the interest payable by the user in the portion E ₃ is 400,000 yen × 7.25% = 29,000 yen. As a result, the total interest payable by the user is 43,500 yen + 55,200 yen + 29,000 yen = 127,700 yen.

  That is, when setting the interest rate for the principal, the loan setting unit 39 first divides the repayment period into the first half and the second half. As described above, the loan setting unit 39 may divide the first half and the second half so as to have the same period (three years), or may divide the first half and the second half so as to have different periods. Good. In the first half of the repayment period, the loan setting unit 39 sets an add-on rate for the principal minus the guaranteed purchase price from the principal, and subsidizes the remaining guaranteed purchase price. Set the annual interest rate. Thereby, the loan setting part 39 can calculate the interest in the first half period as described above. Further, the loan setting unit 39 sets an add-on fee rate for the guaranteed purchase price in the repayment period in the latter half. Thereby, the loan setting part 39 can calculate the interest in the second half period as described above. Then, the loan setting unit 39 calculates the total interest by adding the interest in the first half period and the interest in the second half period.

  In this way, the user of car A needs to reduce 450,000 yen from the principal (1 million yen) in the first three years, whereas the user of car B does not pay the principal ( It is necessary to reduce 600,000 yen from 1 million yen. That is, the user of the B car repays the principal earlier than the user of the A car. That is, although the user of the B car repays the principal earlier than the user of the A car, the total interest that the user of the A car pays and the total interest that the user of the B car pays. If they are the same, even if the principal and the number of repayments are the same, it is unfair between the user of the A car and the user of the B car. For this reason, in this embodiment, the loan setting unit 39 has a low purchase guarantee rate for vehicles (B cars) so that the interest to be paid by the user is large for a car (A vehicle) with a high purchase guarantee rate. ), The interest rate is set on the principal so that the interest payable by the user is reduced. Thereby, fairness among users can be achieved.

  The browsing device 4 is configured by a normal personal computer, a mobile phone, a PDA (Personal Digital Assistant), or the like. Here, when the browsing device 4 is a normal personal computer, the browsing device 4 is provided in, for example, a purchasing agent, a member store of a purchasing agent, a user's home, or the like. When the browsing device 4 is a mobile phone or PDA, the browsing device 4 is carried by a user, for example. The browsing device 4 accesses the information processing device 3 via the network N, and acquires the purchase guarantee rate of the desired vehicle from the purchase guarantee rate recording unit 38 of the information processing device 3. In addition, when the user of the browsing device 4 inputs information indicating the desired car, principal, repayment period, and the like to the browsing device 4, the browsing device 4 sends a loan to the loan setting unit 39 of the information processing device 3. Let it be set. In this case, the browsing device 4 acquires the loan set by the loan setting unit 39. Then, the browsing device 4 displays the acquired purchase guarantee rate and the acquired loan on the display screen. Thereby, the user of the browsing device 4 can browse the purchase guarantee rate and the loan of the desired car on the display screen.

  When the information processing device 3 is accessed from the browsing device 4 through the network N, the information processing device 3 requests the browsing device 4 to input a password, so that the input password matches a predetermined password. In some cases, it is preferable to permit access of the browsing device 4. As a result, the information processing apparatus 3 can reject an access request from an unauthorized browsing apparatus 4.

  Next, the operation of the information processing apparatus 3 according to the above configuration will be described with reference to FIG.

  FIG. 6 is a flowchart illustrating an operation example of the information processing apparatus 1 according to the present embodiment. That is, as shown in FIG. 6, the data acquisition unit 31 acquires transaction content data from the transaction content management devices 2a to 2c via the network N for each successful bid car (Op1). Here, the transaction content data is data including the successful bid price of the car that has been exhibited in the auction, the year of the successful car, and the state information indicating the state of the successful car.

  Then, the reference price calculation unit 33 calculates the age of the car from the year of the car that has been awarded based on the transaction content data acquired at Op1 (Op2). Then, the reference price calculation unit 33 makes a successful bid for the reference price of the automobile in the elapsed years calculated in Op2 based on the successful bid price of the automobile indicated by the transaction content data acquired in Op1 and the corrected price. It is calculated for each car (Op3). That is, the reference price calculation unit 33 calculates the reference price of the vehicle by the above (Equation 1). Then, the reference price calculation unit 33 records the reference price of the vehicle calculated in Op3 in the reference price recording unit 34 in association with the elapsed years of the vehicle and information indicating the vehicle (Op4).

  Next, the statistical price calculation unit 35 calculates the statistical price of the automobile for each elapsed year of the automobile by statistically calculating the base price for each successful bid car recorded in the reference price recording unit 34 (Op5). ). Then, the statistical price calculation unit 35 records the statistical price of the vehicle calculated in Op5 in the statistical price recording unit 36 for each elapsed year of the vehicle in association with information indicating the vehicle (Op6).

  Then, the purchase guarantee rate calculation unit 37 uses the statistical price of the automobile recorded in the statistical price recording unit 36 and the sales price of the new automobile as an index, thereby obtaining the purchase guarantee price for the sales price of the new automobile. The purchase guarantee rate indicating the ratio is calculated for each elapsed year of the automobile (Op7). The purchase guarantee rate calculation unit 37 records the purchase guarantee rate calculated in Op7 in the purchase guarantee rate recording unit 38 for each elapsed year of the vehicle in association with the information indicating the vehicle and the color of the vehicle body (Op8). ).

  Here, when the loan setting unit 39 receives an instruction from the administrator of the information processing device 3 or when receiving an instruction from the browsing device 4 (YES in Op9), the loan setting unit 39 A loan for repayment of the principal for purchasing the car is set within the repayment period of the period (Op10). That is, even if the principal and the number of repayments in the repayment period are the same, the loan setting unit 39 sets the purchase guarantee rate so that the interest to be paid by the user is large for a car with a high purchase guarantee rate. For low cars, the interest rate is set on the principal so that the interest payable by the user is small. On the other hand, when the loan setting unit 39 does not accept the instruction (NO in Op9), the Op9 determination process is repeated.

  As described above, according to the information processing device 3 according to the present embodiment, the data acquisition unit 31 acquires transaction content data for each car that has been awarded through the network N from the transaction content management devices 2a to 2c. . Then, the reference price calculation unit 33 calculates the age of the car from the year of the car that has been awarded. The reference price calculation unit 33 calculates the reference price of the automobile in the calculated elapsed years based on the winning bid price of the automobile and the corrected price obtained from the state information for each of the winning cars. Then, the statistical price calculation unit 35 calculates the purchase guarantee rate indicating the ratio of the purchase guarantee price to the sales price of the new car by calculating the reference price calculated for each car that has been awarded. The statistical price of the car is calculated for each age of the car. The statistical price calculation unit 35 records the calculated statistical price in the statistical price recording unit 36. Accordingly, the statistical price of the automobile, which is an index for calculating the purchase guarantee rate, can be calculated for each elapsed year of the automobile without any trouble for the investigator.

  In the above description, the example in which the correction value recording unit, the reference price recording unit, the statistical price recording unit, and the purchase guarantee rate recording unit are provided in the information processing apparatus has been described, but the present invention is not limited thereto. That is, the correction value recording unit, the reference price recording unit, the statistical price recording unit, and the purchase guarantee rate recording unit may be provided in a hardware device other than the information processing device. That is, if the information processing device can access the correction value recording unit, the reference price recording unit, the statistical price recording unit, and the purchase guarantee rate recording unit, the correction value recording unit, the reference price recording unit, and the statistical price recording unit The place where the purchase guarantee rate recording unit is provided is not particularly limited.

  That is, the present invention is not limited to the above-described embodiment, and various modifications can be made within the scope shown in the claims. That is, embodiments obtained by combining technical means appropriately modified within the scope of the claims are also included in the technical scope of the present invention.

  As described above, the present invention is an information processing apparatus that can calculate the statistical price of an automobile, which is an index for calculating the purchase guarantee rate, for each elapsed year of the automobile, without taking the labor of an investigator. It is useful as an information processing method and program.

FIG. 1 is a block diagram showing a schematic configuration of a communication system according to the present embodiment. FIG. 2 shows an example of the data structure of transaction content data acquired by the data acquisition unit in the information processing apparatus of the communication system. FIG. 3 is a diagram illustrating an example of data recorded in the statistical price recording unit in the information processing apparatus. FIG. 4 is a diagram illustrating an example of data recorded in the purchase guarantee rate recording unit in the information processing apparatus. FIGS. 5A and 5B are explanatory diagrams for explaining the relationship between the repayment period and the principal. FIG. 5A shows the case of the A car, and FIG. 5B shows the case of the B car. FIG. 6 is a flowchart illustrating an operation example of the information processing apparatus.

Explanation of symbols

2a to 2c Transaction content management device 3 Information processing device 31 Data acquisition unit 32 Correction value recording unit 33 Base price calculation unit 35 Statistical price calculation unit 36 Statistical price recording unit 37 Purchase guarantee rate calculation unit 38 Purchase guarantee rate recording unit 39 Loan setting Part N Network

Claims (7)

An information processing device connected via a network to a transaction content management device that manages the transaction content of a car that has been exhibited in an auction,
Transaction content data including the successful bid price of the car exhibited in the auction, the model year of the successful bid vehicle, and the status information indicating the status of the successful bid from the transaction content management device via the network. A data acquisition unit for acquiring each successful bid vehicle,
Calculate the elapsed years of the vehicle from the model year of the successful bid, and calculate the reference price of the vehicle in the calculated elapsed years based on the successful bid price of the vehicle and the corrected price obtained from the state information. A reference price calculation unit that calculates for each car
By statistically calculating the reference price calculated for each successful bid vehicle, the statistical price of the vehicle, which is an index for calculating the purchase guarantee rate indicating the ratio of the purchase guaranteed price to the sales price of the vehicle, A statistical price calculation unit that calculates for each year and records the calculated statistical price in a statistical price recording unit accessible from the information processing apparatus ;
By using the statistical price of the automobile recorded in the statistical price recording unit and the sales price of the automobile as an index, the purchase guarantee rate is calculated for each elapsed year of the automobile, and the calculated purchase guarantee rate is A purchase guarantee rate calculating unit for recording in a purchase guarantee rate recording unit accessible from the information processing device;
The information processing apparatus includes a loan setting unit that sets a loan for repayment of a principal for purchasing a car within a predetermined repayment period,
The loan setting unit reads the purchase guarantee rate in the elapsed number of years within the repayment period from the purchase guarantee rate recording unit, and the purchase guarantee price obtained from the read purchase guarantee rate is An information processing device that sets up a loan so that it will be a collective payment to pay off the loan at the age of years . The information processing apparatus is associated with each elapsed year of the automobile, and further includes a correction value recording unit in which a reference travel distance statistically valid for the elapsed year and a correction amount per predetermined distance are recorded. Prepared,
The reference price calculation unit reads the reference mileage corresponding to the calculated age of the automobile from the correction value recording unit, the read reference mileage, the mileage of the successful bid vehicle indicated by the state information, The information processing apparatus according to claim 1, wherein a correction price of a travel distance is calculated based on a correction amount per predetermined distance recorded in the correction value recording unit. In the correction value recording unit, correction values are recorded for each color of the vehicle body so that the correction value becomes 0 when the color of the vehicle body is a reference color,
The reference price calculation unit reads a correction value corresponding to the color of the vehicle body indicated by the state information from the correction value recording unit, and calculates the correction price of the color of the vehicle body by using the read correction value as an index. The information processing apparatus according to claim 2.   The statistical price calculation unit includes the top N reference prices (N is an integer of 1 or more) of the base prices calculated for each of the successful bid cars, and the bottom N (base number N) having a low base price ( The information processing apparatus according to any one of claims 1 to 3, wherein a statistical price of the automobile is calculated by calculating an average of remaining reference prices excluding a reference price of N (an integer equal to or greater than 1). . The information processing apparatus further includes a loan setting unit that sets a loan for repayment of a principal for purchasing a car within a predetermined repayment period,
The loan setting unit is configured to ensure that the interest to be paid by the user is increased for a vehicle having a high purchase guarantee rate even if the principal and the number of repayments in the repayment period are the same. The information processing apparatus according to claim 5, wherein an interest rate is set for the principal so that an interest to be paid by a user is reduced for an automobile having a low rate. An information processing method in which a computer connected via a network to a transaction content management device that manages the transaction content of a car that has been exhibited in an auction executes processing,
The data acquisition unit included in the computer indicates the winning bid price of the car exhibited in the auction, the model year of the winning bid, and the status of the winning bid from the transaction content management device via the network. A data acquisition process for acquiring transaction content data including state information for each car that has been awarded,
The reference price calculation unit provided in the computer calculates the age of the car from the model year of the successful bid, and calculates the base price of the car in the calculated age from the successful bid price of the car and the state information. A reference price calculation step for calculating each successful bid vehicle based on the obtained correction price;
An index for calculating a purchase guarantee ratio indicating a ratio of a purchase guarantee price to a sales price of the car by statistically calculating a reference price calculated for each of the cars made a successful bid by the statistical price calculation unit included in the computer; A statistical price calculation step of calculating a statistical price of the vehicle for each elapsed year of the automobile, and recording the calculated statistical price in a statistical price recording unit accessible from the computer ,
By using the statistical price of the automobile recorded in the statistical price recording unit and the sales price of the automobile as an index, the purchase guarantee rate is calculated for each elapsed year of the automobile, and the calculated purchase guarantee rate is A purchase guarantee rate calculation process for recording in a purchase guarantee rate recording section accessible from a computer;
The loan setting unit provided in the computer includes a loan setting step of setting a loan for repayment of a principal for purchasing a car within a predetermined repayment period,
The loan setting step reads the purchase guarantee rate for the predetermined number of years within the repayment period from the purchase guarantee rate recording unit, and the purchase guarantee price obtained from the read purchase guarantee rate is An information processing method comprising a step of setting a loan so as to be a collective payment amount for paying off the loan at the age of years . A program that causes a computer connected via a network to execute processing on a transaction content management device that manages the transaction content of a car that has been exhibited in an auction,
Transaction content data including the successful bid price of the car exhibited in the auction, the model year of the successful bid vehicle, and the status information indicating the status of the successful bid from the transaction content management device via the network. , Data acquisition processing to be acquired for each successful bid car,
Calculate the elapsed years of the vehicle from the model year of the successful bid, and calculate the reference price of the vehicle in the calculated elapsed years based on the successful bid price of the vehicle and the corrected price obtained from the state information. A reference price calculation process to calculate for each car
By statistically calculating the reference price calculated for each successful bid vehicle, the statistical price of the vehicle, which is an index for calculating the purchase guarantee rate indicating the ratio of the purchase guaranteed price to the sales price of the vehicle, A statistical price calculation process for calculating the statistical price for each year and recording the calculated statistical price in a statistical price recording unit accessible from the computer ;
By using the statistical price of the automobile recorded in the statistical price recording unit and the sales price of the automobile as an index, the purchase guarantee rate is calculated for each elapsed year of the automobile, and the calculated purchase guarantee rate is A purchase guarantee rate calculation process for recording in a purchase guarantee rate recording section accessible from a computer;
Within a predetermined repayment period, let the computer execute a loan setting process that sets up a loan to repay the principal for purchasing the car,
The loan setting process reads the purchase guarantee rate in the elapsed years within the repayment period from the purchase guarantee rate recording unit, and the purchase guarantee price obtained from the read purchase guarantee rate is A program that includes the process of setting up a loan so that it becomes a lump sum to pay off the loan at the age of years .

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