JP6132574B2 - Lease contract proposal device, lease contract proposal method, and lease contract proposal program - Google Patents

Description

  The present invention relates to a lease contract proposal device, a lease contract proposal method, and a lease contract proposal program for supporting a new lease contract proposal for renewing a lease contract.

  A leasing company purchases a property such as a machine or facility used by a user on behalf of the user, and leases (rents) the user. Lease payments paid by leased users to the leasing company are, for example, the length of the basic lease period (for example, the period until the property price becomes zero) and the purchase of the property subject to the lease contract (target property) It is set based on the cost. The user pays a lease fee set so as to be a fixed amount every unit period such as one month to the leasing company every time the unit period elapses (every month).

  A lease contract can be renewed when the basic lease period expires from the date the contract is made. Specifically, the lease contract can be renewed, for example, by continuing a lease contract whose basic lease period has expired. Specifically, the lease contract can be renewed, for example, by switching to a new lease contract for a new target property without continuing the lease contract whose basic lease period has expired.

  When a lease contract is renewed by switching to a new lease contract, the user must consider the function of the target property of the lease contract that expires, the lease fee for each unit period of the lease contract, etc. A target property for a simple lease agreement. For example, the user switches a lease contract for a new target property whose function is improved over the old target property currently used as a new lease contract.

  As a related technology, conventionally, for example, the lease period is determined based on the information on the equipment items in the building, the unit price for the item, legal useful life, lease availability, lease period, lease rate for the lease period, etc. In addition, there is a technique for creating a lease ledger by calculating a lease amount based on a lease fee rate and creating an estimate including items to be purchased and items created in the lease ledger (for example, Patent Document 1 below) See).

Japanese Patent Laying-Open No. 2005-4566

  However, the above-described conventional technique has a problem in that when there are a plurality of lease contracts having different expiration dates, the renewal procedure associated with the expiration must be performed for each lease contract.

  In addition, when there are multiple lease contracts with different expiration dates, the conventional technology described above determines which lease contract should be switched to a new lease contract for the target contract, or the optimal lease contract switchover. There was a problem that it was difficult to judge the timing.

  In addition, the conventional technology described above is more efficient than the case of using the new target property when the old target property is continuously used by losing the timing of switching to the lease contract for the new target property. There was a problem that running costs such as teenagers were high.

  On the other hand, in consideration of running costs, as each lease contract expires, the existing lease contract property will be compared with the new target property at the time of expiration in terms of performance and lease fees. In this case, there is a problem that the determination of the switching timing becomes more troublesome as the number of lease contracts increases.

  In addition, the above-mentioned conventional technology has a lease contract if the lease fee and running cost for a new lease contract to be renewed upon expiration differ from the lease fee and running cost for each existing lease contract. The total payment (total payment amount) of all lease contracts performed by the user every time the user is renewed, that is, the expense paid by the user per unit period varies. For this reason, there has been a problem that the work related to payment of the lease fee such as confirmation of the total payment amount is troublesome.

  As described above, the above-described conventional technique has a problem that the burden on the leasing company and the user for renewing the lease contract is large.

  The present invention provides a lease contract proposing device, a lease contract proposing method, and a lease contract proposing program capable of reducing the burden on a leasing company and a user involved in renewing a lease contract in order to solve the above-described problems caused by the prior art. The purpose is to provide.

  In order to solve the above-described problems and achieve the object, the lease contract proposal device according to the present invention specifies the first lease contract whose basic lease period expires from the current date to the date when the first period elapses. The first lease contract specifying means and the second lease contract that expires from the date when the first lease contract expires (hereinafter referred to as the “expiration date”) to the date retroactive to the second period and that can be re-lease contracted Second lease contract specifying means for specifying a third lease contract specifying means for specifying a third lease contract that expires from the expiration date to a date when a third period elapses, and the first lease A first total cost calculating means for calculating a total cost per unit period (hereinafter referred to as “first total cost”) of the contract, the second lease contract, and the target property of the third lease contract; Re-lease second lease contract Re-lease cost calculation means for calculating the cost per unit period for the target property when contracted, and cancellation cost calculation means for calculating the cancellation cost when the third lease contract is canceled on the expiration date; When the cost calculated by the cancellation cost calculation means is allocated to each unit period included in the period from the current date to the expiration date, the adjustment cost calculation means for calculating the cost per unit period, and the adjustment cost The cost calculated by the calculation means, the cost calculated by the re-lease cost calculation means, the total cost per unit period for the property subject to the first lease contract and the third lease contract (hereinafter referred to as “second total”) The second total cost calculating means for calculating the cost "), the first lease contract, the second lease contract, and the third lease contract from the next day of the expiration date. New contract cost calculation means for calculating the total cost per unit period (hereinafter referred to as “new contract cost”) for the property subject to each new lease contract when switching to the new lease contract, and the first total cost And a first threshold value judging means for judging whether or not a difference between the second total cost and the second total cost is equal to or less than a predetermined threshold, and a difference between the first total cost and the new contract cost is equal to or less than a predetermined threshold A second threshold value judging means for judging whether or not the first threshold value judging means and the second threshold value judging means are less than or equal to a threshold value, the judgment result and the judgment related to the judgment Output means for outputting information relating to the first lease contract, the second lease contract, the third lease contract, and the new lease contract.

  The lease contract proposal device according to the present invention is characterized in that, in the above invention, the cost per unit period for the target property includes a lease fee and a running cost of the target property.

  In the lease contract proposal device according to the present invention as set forth in the invention described above, the output means outputs information relating to the first total cost, the second total cost, and the new contract cost. And

  The lease contract proposing method according to the present invention includes a first lease contract specifying step of specifying a first lease contract whose basic lease period expires from a current date to a date when the first period elapses; A second lease contract identification process for identifying a second lease contract that expires from the date when the lease contract of 1 expires (hereinafter referred to as the “expiration date”) and that can be re-leased for a second period; , A third lease contract specifying step for specifying a third lease contract that expires from the expiration date to the date when the third period elapses, the first lease contract, the second lease contract, and the The first total cost calculation process for calculating the total cost per unit period (hereinafter referred to as “first total cost”) for the property subject to the lease contract, and the second lease contract is re-lease contracted For the subject property A re-lease cost calculating step for calculating a cost per period, a cancellation cost calculating step for calculating a cancellation cost when the third lease contract is canceled on the expiration date, and a cost calculated in the cancellation cost calculating step. A settlement cost calculation step of calculating a cost per unit period when allocated to each unit period included in the period from the current date to the expiration date, a cost calculated in the settlement cost calculation step, the re-lease The second total for calculating the cost calculated in the cost calculation step, the total cost per unit period for the property subject to the first lease contract and the third lease contract (hereinafter referred to as “second total cost”) The cost calculation step and the first lease contract, the second lease contract, and the third lease contract are each switched to a new lease contract from the day after the expiration date. A new contract cost calculation step of calculating the total cost per unit period (hereinafter referred to as “new contract cost”) for the target property of each new lease contract, and the first total cost and the second A first threshold determination step for determining whether or not a difference between the total cost and the total cost is equal to or less than a predetermined threshold; and whether or not a difference between the first total cost and the new contract cost is equal to or less than a predetermined threshold A second threshold value determining step for determining whether or not the threshold value is equal to or less than the threshold value in the first threshold value determining step and the second threshold value determining step, the determination result and the first lease relating to the determination An output step of outputting information on the contract, the second lease contract, the third lease contract, and the new lease contract.

  According to another aspect of the present invention, there is provided a lease contract proposing program for identifying a first lease contract for which a basic lease period expires from a current date to a date when the first period elapses. A second lease contract that specifies a second lease contract that expires from a date when the first lease contract expires (hereinafter referred to as an “expiration date”) and that can be re-leased for a second period. A specifying step; a third lease contract specifying step for specifying a third lease contract that expires from a date when the third period elapses from the expiration date; the first lease contract; and the second lease contract. And a first total cost calculating step for calculating a total cost per unit period (hereinafter referred to as “first total cost”) for the property subject to the third lease contract, and re-lease the second lease contract. If you contract A re-lease cost calculation step for calculating the cost per unit period for an elephant property, a cancellation cost calculation step for calculating a cancellation cost when the third lease contract is canceled on the expiration date, and the cancellation cost calculation When the expense calculated in the process is allocated to each unit period included in the period from the current date to the expiration date, the calculation is performed in the adjustment expense calculation process for calculating the expense per unit period, and the adjustment expense calculation process. The total cost of the property subject to the first lease contract and the third lease contract (hereinafter referred to as “second total cost”). A second total cost calculation step to be calculated, and the first lease contract, the second lease contract, and the third lease contract from the day following the expiration date. New contract cost calculation step for calculating the total cost per unit period (hereinafter referred to as “new contract cost”) for the property subject to each new lease contract when switching to a new lease contract, and the first total A first threshold value determining step for determining whether or not a difference between the cost and the second total cost is less than or equal to a predetermined threshold; and a difference between the first total cost and the new contract cost is a predetermined threshold If it is determined that the threshold value is equal to or less than the threshold value in the second threshold value determining step for determining whether or not the threshold value is lower than the threshold value in the first threshold value determining step and the second threshold value determining step, the determination result and the determination are related An output step of outputting information relating to the first lease contract, the second lease contract, the third lease contract, and the new lease contract.

  According to the lease contract proposal device, lease contract proposal method, and lease contract proposal program according to the present invention, there is an effect that it is possible to reduce the burden on the lease company and the user for renewing the lease contract.

It is explanatory drawing which shows the system configuration | structure of the lease contract proposal system provided with the lease contract proposal apparatus of embodiment concerning this invention. It is a block diagram which shows the hardware constitutions of the computer apparatus which implement | achieves the lease contract proposal apparatus which comprises the lease contract proposal system of embodiment concerning this invention, and each dealer's terminal device. It is explanatory drawing which shows an example of a contract content database. It is explanatory drawing which shows an example of the sales price calculation database. It is explanatory drawing which shows an example of a discount rate database. It is explanatory drawing which shows the outline | summary of a general lease contract. It is a block diagram which shows the functional structure of the lease contract proposal apparatus of embodiment concerning this invention. It is explanatory drawing which shows the example of a display screen. It is explanatory drawing which shows an example of the conventional payment content. It is explanatory drawing which shows an example of the payment content using the lease contract proposal apparatus of embodiment concerning this invention. It is a flowchart which shows the process sequence of the lease contract proposal apparatus of embodiment concerning this invention.

  Exemplary embodiments of a lease contract proposal device, a lease contract proposal method, and a lease contract proposal program according to the present invention will be explained below in detail with reference to the accompanying drawings.

  First, a system configuration of a lease contract proposal system including a lease contract proposal apparatus according to an embodiment of the present invention will be described. FIG. 1 is an explanatory diagram showing a system configuration of a lease contract proposal system including a lease contract proposal apparatus according to an embodiment of the present invention.

  In FIG. 1, a lease contract proposal system 100 according to an embodiment of the present invention includes a lease contract proposal device 110 and a dealer terminal device 120. The lease contract proposal device 110 is installed in a leasing company. The dealer's terminal device 120 is installed at each dealer. The lease contract proposal device 110 and the terminal device 120 of each dealer are connected to each other via a network 130 such as the Internet. The lease contract proposal device 110 and the terminal device 120 of each dealer can be realized by a computer device such as a personal computer.

(Hardware configuration of computer device)
Next, the hardware configuration of the computer system that implements the lease contract proposal device 110 and the dealer's terminal device 120 constituting the lease contract proposal system 100 according to the embodiment of the present invention will be described. FIG. 2 is a block diagram showing a hardware configuration of a computer device that implements the lease contract proposal device 110 and the dealer's terminal device 120 constituting the lease contract proposal system 100 according to the embodiment of the present invention.

  In FIG. 2, the computer device that implements the lease contract proposal device 110 and each dealer's terminal device 120 includes a CPU 201, a ROM 202, a RAM 203, an HDD (hard disk drive) 204, an HD (hard disk) 205, and a display 206. , An input device 207, and a network I / F (interface) 208. Each part 201-208 with which the computer apparatus which implement | achieves the lease contract proposal apparatus 110 and each dealer's terminal device 120 is connected by the bus | bath 209, respectively.

  The CPU 201 controls the entire computer apparatus, and executes various programs stored in the ROM 202 while using the RAM 203 as a work area. The HDD 204 controls data read / write with respect to the HD 205 according to the control of the CPU 201. The HD 205 stores data written under the control of the HDD 204.

  The display 206 displays various display screens. Specifically, the display 206 displays, for example, an input screen for specifying shopping conditions, an input screen for inputting approval information for a payment approval request, and the like. Specifically, the display 206 can be realized by various known displays such as a TFT liquid crystal display, a plasma display, and an organic EL display.

  The input device 207 can be realized by a keyboard having a plurality of input keys. The keyboard has a numeric keypad for inputting numbers. The keyboard may include cursor keys that move the input position and the operation position. The input device 207 may include a pointing device such as a mouse that specifies an input position and an operation position. The input device 207 outputs a signal corresponding to an input operation on the input device 207.

  The network I / F 208 performs communication with other computer devices. The network I / F 208 controls an interface between another computer apparatus and the own apparatus, and controls data input / output with the other computer apparatus.

  The computer device that implements the lease contract proposal device 110 and the terminal device 120 of each dealer communicates with other computer devices via the network I / F 208, for example, various inputs displayed on the display 206. Various input information input via the screen is transmitted to another computer apparatus.

(Example of database)
Next, an example of a database provided in the lease contract proposal device 110 will be described. FIG. 3A is an explanatory diagram of an example of a contract content database. 3A, the contract content database 310 can be provided in, for example, the HD 205 included in the computer device that implements the lease contract proposal device 110. The contract content database 310 may be provided in a computer device or storage device separate from the computer device that implements the lease contract proposal device 110.

  The contract content database 310 stores information on the contract content for each contractor. The information regarding the contract content includes information that can identify the property (target property) that is the subject of the lease contract. Information that can identify the target property can be realized by, for example, a contract number. Alternatively, the information that can identify the target property may be realized by, for example, a manufacturing number or a device number of the target property.

  Information on contract details includes, for example, the model of the target property, the date when the lease contract for the target property was started (lease start date), the date when the lease contract for the target property expires (expiration date), and the re-lease contract for the target property Contains information on whether or not Further, the information related to the contract content includes, for example, information related to the lease fee per unit period of the target property. The unit period can be, for example, one month.

  The lease fee per unit period of the target property can be set in the contract content database 310 by referring to a lease fee database (not shown) that stores the lease fee per unit period for each model, for example. it can. The lease fee per unit period of the target property can be arbitrarily set by the lease company according to, for example, the purchase price when the lease property purchases the target property from a dealer, the legal useful life, or the like. In addition, the lease fee per unit period of the target property may be arbitrarily set by the lease company according to the purchase price when the lease company purchases the target property from a dealer, the lease period desired by the user, etc. Can do.

  Moreover, the information regarding the contract content includes, for example, information regarding the running cost per unit period of the target property. For example, when the target property is an electrical device, the information regarding the running cost can be realized by information on the amount of electric power consumed per unit period or an electric charge based on the amount of electric power according to the model of the target property.

  Moreover, the information regarding a running cost is realizable with the information regarding the communication cost per unit period, for example, when a target property is a communication apparatus. In addition, the information on running cost is, for example, a device having an article that is consumed or consumed with use, such as paper or toner in a copying machine, a facsimile machine, a multifunction machine, etc. You may implement | achieve by the information regarding a purchase fee.

  Further, the contract content database 310 may store information regarding the performance of the target property. For example, when the target property is a computer device such as a personal computer, the information on the performance of the target property can be realized by information on the CPU clock frequency, the manufacturer (manufacturer) of the CPU, and the like. Moreover, the information regarding the performance of the target property may be realized by, for example, information regarding the release date or the manufacturing date of the target property.

  The information regarding the performance of the target property may be information representing a non-quantitative index that is not quantitative. Specifically, for example, when the target property is a computer device such as a personal computer, the information regarding the performance of the target property may be realized by information regarding usability of the computer device, the degree of popularity in the market, and the like.

  FIG. 3-2 is an explanatory diagram of an example of a sale price calculation database. In FIG. 3B, the sale price calculation database 320 can be provided in, for example, the HD 205 included in the computer device that implements the lease contract proposal device 110. The sale price calculation database 320 may be provided in a computer device or storage device separate from the computer device that implements the lease contract proposal device 110.

  The sale price calculation database 320 stores, for each model, information used for calculating the sale price when the model is sold. The information used for calculating the sale price includes, for example, information related to the elapsed period from the start of the lease contract, the depreciation rate for each elapsed period, the disposal cost, and the like. The depreciation rate is set according to the value of the target property, which decreases according to the elapsed period. The disposal cost indicates the cost required to discard the target property. The disposal cost is set to an elapsed period when the depreciation rate is 0% (depreciation is completed). The depreciation rate and disposal cost can be arbitrarily set by a leasing company, for example.

  FIG. 3C is an explanatory diagram of an example of the discount rate database. In FIG. 3C, the discount rate database 330 can be provided, for example, in the HD 205 provided in the computer device that implements the lease contract proposal device 110. The discount rate database 330 may be provided in a computer device or storage device that is separate from the computer device that implements the lease contract proposal device 110.

  The discount rate database 330 stores information regarding conditions for discounting (discount conditions), discount rates under each condition, and the like for each model. The discount condition can be set, for example, according to the time when the lease contract for the target property is made. Specifically, the discount condition is, for example, whether the lease contract of the target property is within a predetermined period (for example, one month) after the model of the target property is released as a new product, It can be set according to whether the dealer's closing date or not. Information regarding the dealer's closing date can be acquired by communicating with the dealer's terminal device 120, for example.

  The dealer's terminal device 120 receives information input to the lease contract proposal device 110 when a person in charge at the dealer performs a predetermined input operation including input of information related to the settlement period on the dealer's terminal device 120. Send. Alternatively, when the dealer's terminal device 120 receives a transmission request for information related to the closing date transmitted from the lease contract proposal device 110, the dealer's terminal device 120 transmits information related to the closing date to the lease contract proposal device 110. You may do it.

  Discount conditions must be set for lease contracts made within a normal period that does not fall within a specific period, not limited to a specific period, such as the dealer's account settlement period, within one month after being released as a new product. You can also. The discount condition may be set, for example, “from the 25th of every month to the end of the month”.

  Further, the discount condition can be set, for example, according to the number of target properties for which a lease contract has been collectively made. Specifically, for example, the number of target properties for which a lease contract has been made is different from a predetermined number (for example, 1 to 9 units) and a case of a predetermined number or more (for example, 10 units or more). Discount conditions can be set. The discount condition can be set by combining a plurality of elements (for example, a period and the number of vehicles).

  Various information stored in the contract content database 310, the sale price calculation database 320, and the discount rate database 330 is appropriately input and updated by, for example, employees of a leasing company. Various information stored in the discount rate database 330 is, for example, when information transmitted from the dealer's terminal device 120 is received by communicating between the lease contract proposal device 110 and the dealer's terminal device 120. It may be updated.

(Outline of lease contract)
Next, an outline of a general lease contract will be described. FIG. 4 is an explanatory diagram showing an outline of a general lease contract. In FIG. 4, a lease contract can be made in a basic lease period and a re-lease period set after the basic lease period.

  The basic lease period can be a period until the value (price, residual value) of the target property becomes zero. The basic lease period may be the period of time that remains after the statutory useful life due to depreciation, that is, the period until the residual value becomes zero. The basic lease period is, for example, the primary lease that is the period until the value (price, residual value) of the target property becomes equal to the residual value, and the value of the target property (price, residual value) becomes equal to the residual value. You may be comprised by several periods, such as a secondary lease which is a period until it becomes zero.

  The user pays lease fees for each unit period during the basic lease period. The lease fee is set by a leasing company based on, for example, the model and performance of the target property. The lease fee per payment (lease fee per unit period) is, for example, the amount to be collected by the leasing company for the subject property of the applicable lease contract, and the number of unit periods included in the basic lease period ( For example, it can be calculated by dividing by the number of months). FIG. 4 shows an example in which the number of months in the primary basic lease period is 24 and the number of months in the secondary basic lease period is 24.

  For lease contracts in which a primary basic lease period and a secondary basic lease period are set during the basic lease period, lease payments in the secondary basic lease period are higher than lease payments in the primary basic lease period. May be set low. In a lease contract in which a primary basic lease period and a secondary basic lease period are set during the basic lease period, the user who entered the lease contract in the primary basic lease period If no lease contract is made for the period, the target property can be sold for residual value.

  A user who has made a lease contract during the basic lease period until the secondary basic lease period expires (full payout) in a lease contract in which a primary basic lease period and a secondary basic lease period are set May renew the lease agreement as a re-lease agreement. The re-lease contract can be renewed year by year, for example, with a lease fee (corresponding to a monthly amount) per unit period in the basic lease period. Expenses for re-lease contracts are paid, for example, in the first unit period in the re-lease contract period.

  The leasing company may charge a cancellation fee to users who cancel the lease contract before the basic lease term expires. The cancellation fee is a penalty paid to the leasing company when the user (contractor) receiving the lease of the property subject to the lease contract cancels before the lease term ends. It is calculated based on the details of the contract with the leasing company and the total amount of payment when it is assumed that the lease was received until the lease term ends.

  Cancellation costs are not incurred if you cancel during the re-lease period. If the lease contract is canceled when the basic lease period (secondary basic lease period) expires (full payout), the target property may be sold and used for residual value. If the basic lease period (secondary basic lease period) expires (full payout) and then a re-lease contract is made and then the lease contract is canceled, there is no cancellation fee, but there may be a disposal cost.

(Functional configuration of lease contract proposal device 110)
Next, a functional configuration of the lease contract proposal device 110 according to the embodiment of the present invention will be described. FIG. 5 is a block diagram showing a functional configuration of the lease contract proposal device 110 according to the embodiment of the present invention.

  As shown in FIG. 5, each function of the lease contract proposal device 110 according to the embodiment of the present invention includes a storage unit 501, a first lease contract specification unit 502, a second lease contract specification unit 503, Third lease contract identification unit 504, first total cost calculation unit 505, re-lease cost calculation unit 506, cancellation cost calculation unit 507, settlement cost calculation unit 508, and second total cost calculation unit 509 And a new contract specifying unit 510, a new contract cost calculating unit 511, a first threshold determining unit 512, a second threshold determining unit 513, and an output unit 514. The units 501 to 514 included in the lease contract proposal device 110 according to the embodiment of the present invention can be realized by the units included in the computer device that implements the lease contract proposal device 110.

  The storage unit 501 stores various databases such as the contract content database 310, the sale price calculation database 320, and the discount rate database 330. In addition, the storage unit 501 stores a predetermined threshold value that is a reference for determination by the first threshold value determination unit 512 and the second threshold value determination unit 513.

  The first lease contract specifying unit 502 specifies a first lease contract whose basic lease period expires from the current date to the date when the first period elapses. When there are a plurality of lease contracts whose basic lease period expires from the current date to the date when the first period elapses, the first lease contract specifying unit 502 assigns the plurality of lease contracts to the first lease contract. As specified.

  The first period can be set, for example, for 3 months, 6 months, or the like. The first period can be arbitrarily set by a leasing company, for example. Specifically, for example, when the first period is set to six months, the first lease contract specifying unit 502 determines whether the basic lease period expires one month after the current date or five months after the current date. Identified as the first lease contract, such as a lease contract whose basic lease term expires.

  The first period may be a fixed length set by the leasing company regardless of the user (contractor), or may be set to a different length for each user (contractor). Further, the first period may be a fixed length regardless of the model of the target property, or may be set to a different length for each model of the target property. Further, the first period may be calculated by, for example, multiplying the useful life of the model of the target property by a predetermined ratio.

  The second lease contract identification unit 503 receives the second lease contract that expires from the date when the first lease contract expires (hereinafter referred to as the “expiration date”) to the date retroactive to the second period, and allows a re-lease contract. Is identified. The second lease contract identification unit 503 determines that when there are a plurality of lease contracts that expire from the expiration date of the first lease contract to the date retroactive to the second period and can be re-lease contracted, Are identified as second lease contracts.

  When there are a plurality of first lease contracts, the second lease contract specifying unit 503 specifies the second lease contract for each first lease contract. The second period can be set to the same length as the first period or a period shorter than the first period. The second period starts on any date from the current date to the expiration date of the first lease contract and ends on the expiration date of the first lease contract.

  Specifically, for example, when the first period is 6 months, the second period can be set to 3 months, 5 months, 6 months, and the like. For example, the second period can be a period of a certain length arbitrarily set by the leasing company regardless of the user (contractor). Further, the second period may be set to a different length for each user (contractor), for example. Further, the second period may be, for example, a fixed length regardless of the model of the target property, or may be set to a different length for each model of the target property.

  The third lease contract specifying unit 504 specifies a third lease contract that expires from the expiration date of the first lease contract to the date when the third period elapses. When there are a plurality of lease contracts that expire from the expiration date of the first lease contract to the date when the third period elapses, the third lease contract identification unit 504 assigns the plurality of lease contracts to the third lease contract respectively. Identifies as a lease contract. When there are a plurality of first lease contracts, the third lease contract specifying unit 504 specifies a third lease contract for each first lease contract.

  Specifically, for example, when the first period is 6 months, the third period can be set to 1 month, 3 months, or the like. For example, the third period may be a period of a certain length arbitrarily set by the leasing company regardless of the user (contractor). The third period may be set to a different length for each user (contractor), for example. Further, the third period may be, for example, a fixed length regardless of the model of the target property, or may be set to a different length for each model of the target property.

  The first total cost calculation unit 505 calculates the total cost per unit period (hereinafter referred to as “first total cost”) for the property subject to the first lease contract, the second lease contract, and the third lease contract. calculate. The first total cost calculation unit 505 calculates the cost currently paid per unit period for the first lease contract, the second lease contract, and the third lease contract that are currently leased. When there are a plurality of first lease contracts, the first total cost calculation unit 505 calculates a first total cost for each first lease contract.

  Expenses per unit period for the target property of the first lease contract, second lease contract, and third lease contract include the lease fee and the running cost of the target property, respectively. The expenses per unit period for the first lease contract, the second lease contract, and the third lease contract are as follows: the first lease contract specifying unit 502, the second lease contract specifying unit 503, and the 3 can be obtained by referring to the contract content database 310 on the basis of the identification result of the lease contract identification unit 504 of No. 3.

  When the second lease contract does not exist, the first total cost calculation unit 505 calculates the first total cost based on the first lease contract information and the third lease contract information. The first total cost calculation unit 505 calculates the first total cost based on the first lease contract information and the second lease contract information when there is no third lease contract.

  The re-lease cost calculation unit 506 calculates a cost per unit period (re-lease cost) for the target property when the second lease contract is re-lease contracted. When there are a plurality of second lease contracts, the re-lease cost calculation unit 506 calculates a re-lease cost for each second lease contract.

  Re-lease is a contract on the day following the expiration date of the basic lease if the user continues to earn revenue from the same target property after the basic lease ends, that is, after the property price of the target property becomes zero. Can do. The re-lease period is typically one year or less than one year. Re-lease payments are generally less than lease payments per unit period (such as one month) in a basic lease contract, specifically, for example, 10 minutes of annual lease payments during the basic lease contract period. Set to about 1.

  The cancellation cost calculation unit 507 calculates a cost (cancellation cost) for canceling the third lease contract on the expiration date of the first lease contract. When there are a plurality of third lease contracts, the surrender cost calculation unit 507 calculates a surrender cost for each third lease contract.

  The settlement cost calculation unit 508 allocates the cancellation cost calculated by the cancellation cost calculation unit 507 to each unit period included in the period from the current date to the expiration date (the cost per unit period) (Cost per unit period to be paid by the expiration date). For example, when the remaining period of the lease contract specified by the third lease contract specifying unit 504 is 6 months, the settlement cost calculating unit 508 cancels the cost calculated by dividing the cost calculated by the cancellation cost calculating unit 507 by 6. It is calculated as the cost per unit period related to the cost calculated by the cost calculation unit 507.

  For example, when the remaining period is 6 months and 10 days, the settlement cost calculation unit 508 divides the cost calculated by the cancellation cost calculation unit 507 by 190 days (1 month 30 days × 6 months + 10 days) Calculate the cost per day included in the period from the date to the expiration date, and multiply the cost per day by the number of days included in each unit period included in the period from the current date to the expiration date. Alternatively, the cancellation cost calculation unit 507 may calculate the cost per unit period.

  The second total cost calculation unit 509 calculates the cost calculated by the settlement cost calculation unit 508, the cost calculated by the re-lease cost calculation unit 506, and the unit period for the target property of the first lease contract and the third lease contract. The total cost (hereinafter “second total cost”) is calculated. The second total cost calculation unit 509 pays the user during the period from the current date to the expiration date, assuming that the second lease contract is re-lease and the third lease contract is canceled on the expiration date. Calculate the cost per unit period.

  That is, the second total cost calculation unit 509 distributes the re-lease cost and the cancellation fee for canceling the third lease contract on the expiration date to the cost per unit period (cancellation). Calculate the total cost (cost per unit period paid by the expiration date for the third lease contract) and the cost per unit period for the first lease contract (hereinafter referred to as “adjustment costs during the transition period”). To do.

  The second total cost calculation unit 509 calculates a second total cost for each first lease contract when there are a plurality of first lease contracts. The second total cost calculation unit 509, when there is no second lease contract, the cost per unit period when the cancellation cost when canceling the third lease contract is allocated to each unit period (Cost per unit period to be paid by expiry date for the third lease contract to be canceled) and the cost per unit period for the first lease contract are calculated as adjustment costs during the transition period. . In addition, the second total cost calculation unit 509 calculates the total cost of the re-lease cost and the cost per unit period for the first lease contract during the transition period when the third lease contract does not exist. Calculate as adjustment costs.

  The new contract specifying unit 510 specifies a new lease contract from lease contracts that can be contracted after the expiration date. New lease contracts are lease contracts that can be contracted after the expiration date, and are classified into the same or higher rank as the target property of the first lease contract, second lease contract, and third lease contract It can be a lease contract with the property as the target property.

  The rank of the target property can be set based on, for example, the contents of the lease contract or the performance of the target property. The contents of the lease contract can be set based on, for example, a cost (cost per unit period) required when the target property is leased. The rank of the target property may be set, for example, according to the size, weight, etc. of the target property. Specifically, for example, when the target property is a general-purpose personal computer called a notebook PC, the size of the case of the general-purpose personal computer, the size of the monitor, and a battery are mounted. The rank of the target property can be set in consideration of the weight in the state.

  The new contract identification unit 510, when there is no lease contract equivalent to the target property of the first lease contract, the second lease contract, and the third lease contract among the lease contracts that can be contracted after the expiration date, For example, a lease contract in which the contract content considering the performance of the target property is classified into the same or equivalent rank is specified as a new lease contract.

  In addition, the new contract specifying unit 510 does not have a lease contract equivalent to the property subject to the first lease contract, the second lease contract, and the third lease contract among lease contracts that can be contracted after the expiration date. In this case, for example, a lease contract related to a target property having higher performance than the target properties of the first lease contract, the second lease contract, and the third lease contract may be specified as a new lease contract.

  In addition, the new contract specifying unit 510 does not have a lease contract equivalent to the property subject to the first lease contract, the second lease contract, and the third lease contract among lease contracts that can be contracted after the expiration date. In this case, the lease contract related to the target property that is a successor to the target property of the first lease contract, the second lease contract, and the third lease contract may be specified as a new lease contract.

  In addition, the new contract specifying unit 510, for example, if the target property of the first lease contract, the second lease contract, and the third lease contract have different characteristics in terms of performance, A lease contract related to a target property having performance higher than that of the target property may be specified as a new lease contract.

  In addition, the new contract specifying unit 510, for example, if the target property of the first lease contract, the second lease contract, and the third lease contract have different characteristics in terms of performance, A lease contract equal to or greater than or equal to the lease contract for the target property having the highest performance characteristics among the target properties may be specified as a new lease contract.

  In addition, the new contract specifying unit 510, for example, determines the lease for the property subject to the first lease contract regardless of the contract contents of the second lease contract and the third lease contract and the performance of the property subject to the lease contract. A lease contract that targets a property classified in a rank equivalent to or higher than the contract may be specified as a new lease contract.

  New contract cost calculation unit 511 is the property subject to each new lease contract when switching the first lease contract, second lease contract, and third lease contract to a new lease contract from the day after the expiration date. The total cost per unit period (hereinafter referred to as “new contract cost”) is calculated. The new contract cost calculation unit 511 switches the first lease contract, the second lease contract, and the third lease contract to the new lease contract specified by the new contract specification unit 510 from the next day of the expiration date. If the assumption is made, the cost per unit period that the user should pay after the expiration date is calculated.

  The first threshold determination unit 512 determines whether or not the difference between the first total cost and the second total cost is equal to or less than a predetermined threshold. The first threshold value determination unit 512 calculates the difference between the cost per unit period currently paid for the first lease contract, the second lease contract, and the third lease contract and the adjustment cost during the transition period. It is determined whether (hereinafter “first difference”) is equal to or smaller than a predetermined threshold value.

  The predetermined threshold value used for the determination by the first threshold value determination unit 512 can be arbitrarily set by, for example, a leasing company. Further, the predetermined threshold value used for the determination by the first threshold value determination unit 512 may be set to an arbitrary amount desired by the user, for example. Specifically, the predetermined threshold value used for the determination by the first threshold determination unit 512 is, for example, that the user determines that the difference between the first total cost and the second total cost affects the management. It can be a value indicating the amount of money.

  When there are a plurality of first lease contracts, the first threshold determination unit 512 determines whether or not the first difference is equal to or less than a predetermined threshold for the first difference calculated for each first lease contract. Determine whether.

  The second threshold determination unit 513 determines whether or not the difference between the first total cost and the new contract cost is equal to or less than a predetermined threshold. The second threshold judgment unit 513 calculates the total cost per unit period currently paid for the target property of the first lease contract, the second lease contract, and the third lease contract, and the first lease contract. The difference between the total cost per unit period when the contract, the second lease contract, and the third lease contract are all renewed from the day after the expiration date of the first lease contract to a new lease contract (hereinafter “ It is determined whether or not “second difference”) is equal to or smaller than a predetermined threshold value.

  The predetermined threshold value used for the determination by the second threshold value determination unit 513 can be arbitrarily set by, for example, a lease company. Further, the predetermined threshold value used for the determination by the second threshold value determination unit 513 may be set to an arbitrary amount desired by the user, for example. Specifically, the predetermined threshold used by the second threshold determination unit 513 is, for example, the user determines that the difference between the first total cost and the second total cost affects the management. It can be a value indicating the amount of money. The predetermined threshold value used for the determination by the second threshold value determination unit 513 may be the same as or different from the predetermined threshold value used for the determination by the first threshold value determination unit 512.

  When there are a plurality of first lease contracts, the second threshold determination unit 513 determines whether the second difference calculated for each first lease contract is equal to or smaller than a predetermined threshold. Determine whether.

  When the first threshold value determination unit 512 and the second threshold value determination unit 513 determine that the output unit 514 is equal to or less than the threshold value, the output unit 514 outputs the determination result and the first lease contract, the second lease contract related to the determination, Output information on the third lease contract and the new lease contract. When the first difference and the second difference are each equal to or less than a predetermined threshold, the output unit 514 outputs each determination result and the first lease contract, the second lease contract, and the third lease related to the determination. Print information about contracts and new lease contracts.

  The output unit 514 outputs, for example, information indicating the first difference as information related to the determination result of the first threshold value determination unit 512. Further, the output unit 514 outputs information indicating the second difference, for example, as information related to the determination result of the second threshold determination unit 513. In addition, the output unit 514 may, for example, as information related to the first lease contract, the cost per unit period related to the first lease contract, the expiration date of the first lease contract, and the target of the first lease contract Outputs information indicating the running cost per unit period for the property.

  In addition, the output unit 514, for example, as information on the second lease contract, the cost per unit period related to the second lease contract, and the per unit period required when the second lease contract is re-lease contracted Information indicating the cost, the period of the re-lease contract, and the running cost per unit period for the property subject to the second lease contract is output.

  In addition, the output unit 514, for example, as information related to the third lease contract, cancels the cost per unit period for the third lease contract, the third lease contract on the expiration date of the first lease contract In this case, information indicating the termination cost for the case, the cost per unit period when the cancellation cost is allocated to each unit period, and the running cost per unit period for the target property of the third lease contract are output.

  In addition, the output unit 514 includes, for example, information on a new lease contract as a cost per unit period (lease fee) related to the new lease contract and a running cost per unit period related to the target property of the new lease contract. The information indicating is output. Further, the output unit 514 relates to the first total cost, the second total cost, and the new contract cost when the first threshold value determination unit 512 and the second threshold value determination unit 513 determine that the value is equal to or less than the threshold value. Information may be output. Moreover, the output part 514 may output the information regarding the adjustment expense during a transition period.

  The output unit 514 uses the non-quantitative, non-quantitative information described above as information related to the first lease contract, information related to the second lease contract, information related to the third lease contract, and information related to the new lease contract. Information about the index may be output. For example, when the target property is a computer device such as a personal computer, the output unit 514 may output information on usability of the computer device, the degree of popularity in the market, and the like.

  By providing information representing such a non-quantitative, non-quantitative index as one of the judgment materials, the second lease contract whose renewal date is not the same as the first lease contract approaching the expiration date of the lease period. Providing more material for determining whether to renew the lease contract or the third lease contract for users who are reluctant to renew in conjunction with the renewal of the first lease contract Can do. This may lead to the user's judgment, for example, “Because the work environment is likely to improve (improve), let's renew the second lease contract and the third lease contract together with the renewal of the first lease contract”. it can.

  The output unit 514 outputs the various types of information described above to the display 206 provided in the computer device that implements the lease contract proposal device 110, for example. As a result, the lease contract (first lease contract) whose expiration date is approaching or the first lease contract is updated through the display 206 provided in the computer device that implements the lease contract proposal apparatus 110. It is possible to guide a plurality of possible lease contracts and new lease contracts that can be renewed together.

  The output unit 514 specifies the first lease contract, and when the first difference relating to the first lease contract is equal to or smaller than a predetermined threshold value and the second difference is equal to or smaller than the predetermined threshold value. The corresponding information is displayed on the display 206. Alternatively, the output unit 514 identifies the first lease contract, the first difference relating to the first lease contract is equal to or smaller than a predetermined threshold value, and the second difference is equal to or smaller than the predetermined threshold value. After the determination, when a predetermined input operation is received by an operator of the lease contract proposal device 110 or the like, the corresponding information may be displayed on the display 206.

(Display screen example)
Next, an example of a display result by the output unit 514 will be described. FIG. 6 is an explanatory diagram illustrating an example of a display screen. In FIG. 6, an example of the display result by the output part 514 is shown. In FIG. 6, the output unit 514 outputs, for example, a display screen 600 for guiding a simulation result for guiding a date suitable for switching a lease contract to the display 206. Specifically, the display screen 600 displays, for example, each lease contract with a gauge, and displays the length of time until the expiration date of each lease contract by the length of the gauge.

  In addition, the display screen 600 displays, for example, a marking indicating a switchable date on each gauge. Accordingly, the user can recognize that lease contracts in which the marked positions are the same are lease contracts that can be renewed at the same time. Further, the display screen 600 may display, for example, a portion that becomes a re-lease contract in a gauge of a lease contract in which a re-lease contract is possible among each gauge with a dotted line or the like.

(Example of payment details)
Next, an example of payment contents will be described. FIG. 7 is an explanatory diagram showing an example of conventional payment contents. In FIG. 7, a user who has three lease contracts (lease contract A, lease contract B, and lease contract C) with the same lease fee (“10” in FIG. 7) Along with the expiration date of the lease contract C, a situation is shown in which a new lease contract C ′ in which the lease fee per month is “13” is executed.

  In this situation, the running cost per unit period (for example, one month) of the target property of the new lease contract C 'is greater than the running cost per unit period (for example, one month) of the target property of the current lease contract C'. The total lease fee of lease contract A, lease contract B, and new lease contract C 'and the total cost of the running costs of the properties subject to each lease contract are the same as the current lease contract C It may be lower after the expiration date.

  Thus, even if the lease fee per unit period increases due to the renewal of the lease contract, it is the sum of the running costs for the lease contract and the target property of the lease contract, and the target property of each lease contract Costs required for maintenance can be reduced.

  In this situation, as the lease contract B expires, a re-lease contract B 'is executed from the day following the expiration date of the lease contract B. The re-lease contract B ′ is a contract that pays a lease fee “10” for a certain period (for example, one year) in the first unit period.

  In this case, the sum of the lease payments of lease contract A, re-lease contract B ', and new lease contract C' and the running cost of the property subject to each lease contract is the first expense of the re-lease contract B '. It becomes low after the unit period has passed. In this way, by re-lease contracting the existing lease contract as the lease term of the lease contract expires, the cost required to maintain the target property of each lease contract can be suppressed.

  However, in the conventional method, it is better to make a lease contract B in addition to the lease contract C, or when the lease contract C expires, there is a timing to switch the lease contract C to a new lease contract C ′. It is difficult to judge whether it was appropriate. Renewing each lease contract has to be done for each lease contract that expires, which is cumbersome.

  In addition, the conventional method of renewing a lease contract corresponding to each lease contract that expires confirms the renewal contents of the lease contract for each lease contract. Specifically, whether to re-lease the target property of the relevant lease contract or confirm whether to switch from the relevant lease contract to a new lease contract for another target property. For this reason, in the conventional method, the work and procedure for renewing the lease contract are complicated.

(An example of payment using the lease contract proposal device 110)
FIG. 8 is an explanatory diagram showing an example of payment contents using the lease contract proposal device 110 according to the embodiment of the present invention. In FIG. 8, three lease contracts (lease contract A, lease contract B, and lease contract C) with the same lease fee (“10” in FIG. 8) are executed as in the situation shown in FIG. The situation of proposing the right or wrong of renewal (switching, transfer) of each lease contract and the appropriate timing for renewal is shown.

  Renewal (switching, transfer) of lease contracts A to C includes cancellation costs due to cancellation of lease contracts during the basic lease period, sales value of properties subject to cancellation, dealer discount rates, and running costs for each model Considering such factors. The dealer discount rate is a discount rate when a plurality of target properties are contracted together, and is, for example, presented in advance from the dealer to the leasing company. The running cost for each model includes the running cost of the target property of the current lease contracts A to C and the running cost of the target property of the lease contracts A ′ to C ′ to be switched (transferred).

  By using the lease contract proposing device 110 according to the embodiment of the present invention, it is proposed that the cancellation fee of the lease contract A is paid and the re-lease contract of the lease contract C is made by the expiration date of the lease contract B. As a result, the lease contract A is renewed to a new lease contract A 'upon expiration of the lease contract B without significantly changing the total cost per unit period to be paid for these lease contracts. Can be proposed as a new lease contract B ′, and a plan for updating the lease contract C to a new lease contract C ′ can be proposed.

  In FIG. 8, the lease contracts A to C are “13” when the lease contracts A to C are updated to new lease contracts A ′ to C ′ at the same time and updated one by one. It shows the situation where the lease fee per unit period of 'is discounted to “12”. In this way, the user can determine the discount rate of the dealer by announcing to the user in advance the renewal plan from the leasing company to discount the lease fee by simultaneously renewing multiple lease contracts. It can be reflected in the lease payments to be paid.

(Processing Procedure of Lease Contract Proposal Device 110)
Next, the processing procedure of the lease contract proposal device 110 according to the embodiment of the present invention will be described. FIG. 9 is a flowchart showing a processing procedure of the lease contract proposal device 110 according to the embodiment of the present invention. In the flowchart of FIG. 9, it is first determined whether or not there is a first lease contract (step S901). In step S901, for example, referring to the contract content database 310, it is determined whether or not there is a lease contract in which the basic lease period expires from the current date to the date when the first period elapses, that is, the first lease contract. to decide.

  In step S901, if there is no first lease contract (step S901: No), the process waits until it is determined that there is a first lease contract. In step S901, when there is a first lease contract (step S901: Yes), the first lease contract is specified, and the contract content database 310 is referred to, and information on the content of the specified first lease contract ( First lease contract information) is acquired (step S902).

  Next, it is determined whether there is a second lease contract (step S903). In step S903, for example, with reference to the contract content database 310, the lease expires from the expiration date of the first lease contract identified in step S901 to the date retroactive to the second period, and the re-lease contract is It is determined whether there is a possible second lease contract.

  In step S903, when there is no second lease contract (step S903: No), the process proceeds to step S906. In step S903, when there is a second lease contract (step S903: Yes), the second lease contract is specified, and the contract content database 310 is referred to, and information on the content of the specified second lease contract ( (Second lease contract information) is acquired (step S904).

  Then, based on the second lease contract information acquired in step S904, a re-lease cost is calculated (step S905). In step S905, when the second lease contract is re-lease contracted, the cost per unit period for the property subject to the re-lease contract is calculated.

  Next, it is determined whether there is a third lease contract (step S906). In step S906, for example, with reference to the contract content database 310, a third lease contract that expires from the expiration date of the first lease contract specified in step S901 to the date when the third period elapses is determined. Judge whether there is.

  In step S906, when there is no third lease contract (step S906: No), the process proceeds to step S910. In step S906, when there is a third lease contract (step S906: Yes), the third lease contract is specified, and the contract content database 310 is referred to for information on the content of the specified third lease contract ( (Third lease contract information) is acquired (step S907).

  Then, based on the third lease contract information acquired in step S907, a cancellation fee for canceling the third lease contract on the expiration date is calculated (step S908). Further, when the cancellation cost calculated in step S908 is allocated to each unit period included in the period from the current date to the expiration date, a cost per unit period (settlement cost) is calculated (step S909).

  Next, based on the first lease contract information acquired in step S902, the second lease contract information acquired in step S904, and the third lease contract information acquired in step S907, the first total cost is calculated. Calculate (step S910).

  In step S910, the expense per unit period concerning the target property of the first lease contract is specified from the first lease contract information acquired in step S902. In step S910, the cost per unit period related to the target property of the second lease contract is specified from the second lease contract information acquired in step S904. In step S910, the cost per unit period related to the target property of the third lease contract is specified from the third lease contract information acquired in step S907. Then, the first total cost is calculated by summing up the costs per unit period for the identified property of each lease contract.

  Also, the first lease contract information acquired in step S902, the information related to the re-lease cost calculated in step S905, the third lease contract information acquired in step S907, and the information related to the cancellation cost per unit period calculated in step S909 The second total cost is calculated based on (Step S911).

  In step S911, the cost per unit period related to the target property of the first lease contract is specified from the first lease contract information acquired in step S902, and the third lease contract information acquired in step S907 is used. The cost per unit period related to the property subject to the third lease contract is specified. In addition, the re-lease cost calculated in step S905 and the cancellation fee per unit period calculated in step S909 are added to the cost per unit period for the property subject to the first lease contract and the third lease contract. To calculate the second total cost.

  Next, a new lease contract is specified from lease contracts that can be contracted after the expiration date (step S912). In step S912, for example, from the lease contracts that can be contracted after the expiration date of the first lease contract, the same property as or equivalent to the target property of the first lease contract, the second lease contract, and the third lease contract A lease contract that targets a property classified in the above rank is specified as a new lease contract.

  Then, a new contract cost is calculated based on the cost per unit period for the target property of the new lease contract identified in step S912 (step S913). In step S913, for example, when it is assumed that the first lease contract, the second lease contract, and the third lease contract are changed to new lease contracts, a new lease contract that is contracted from the next day on the expiration date. The cost of new contract is calculated by multiplying the specified number by the cost per unit period for the property subject to the new lease contract.

  Next, it is determined whether or not the difference (first difference) between the first total cost calculated in step S910 and the second total cost calculated in step S911 is equal to or less than a predetermined threshold (step S914). ). In step S914, when the first difference is not less than or equal to the predetermined threshold (step S914: No), the series of processes is terminated.

  On the other hand, in step S914, when the first difference is equal to or smaller than the predetermined threshold (step S914: Yes), the difference between the first total cost and the new contract cost (second difference) is equal to or smaller than the predetermined threshold. It is determined whether or not there is (step S915). In step S915, when the second difference is not less than or equal to the predetermined threshold (step S915: No), the series of processes is terminated.

  In step S915, when the first difference is equal to or smaller than the predetermined threshold value and the second difference is equal to or smaller than the predetermined threshold value (step S915: Yes), the determination result in steps S914 and S915 is Applicable information such as information relating to the first lease contract, the second lease contract, the third lease contract, and the new lease contract is output (step S916), and the series of processing ends.

  In the lease contract proposal device 110, depending on the length of the first period, the second period, and the third period, when there are a plurality of first lease contracts, a certain first lease contract is It is assumed that this is the second lease contract for the first lease contract. Further, in the lease contract proposal device 110, depending on the length of the first period, the second period, and the third period, the second lease contract for a certain first lease contract may be changed to another first It is assumed that this will be the third lease contract for the lease contract.

  In the lease contract proposing device 110, a group of lease contracts constituted by a certain first lease contract and the second lease contract and the third lease contract for the certain first lease contract are different from each other. If it is composed of the same lease contract as the group of lease contracts composed of a first lease contract and a second lease contract and a third lease contract for that other first lease contract, either You may make it output applicable information about a group.

  As described above, the lease contract proposing apparatus 110 according to the embodiment of the present invention specifies the first lease contract whose basic lease period expires by the date when the first period elapses from the current date, The second lease contract that expires from the expiration date of one lease contract to the date retroactive to the second period, identifies the second lease contract that can be re-lease, and expires by the date when the third period elapses from the expiration date Units that identify the third lease contract and pay by the expiration date for the first total cost, re-lease cost, termination cost, and third lease contract to be terminated based on information about each identified lease contract The cost per period, the second total cost, and the new contract cost are calculated. When the first difference is equal to or smaller than a predetermined threshold and the second difference is equal to or smaller than the predetermined threshold, the determination result and the first lease contract and the second lease contract related to the determination , And outputs information related to the third lease contract and the new lease contract.

  According to the lease contract proposing apparatus 110 according to the embodiment of the present invention, a plurality of lease contracts (second and third lease contracts) that can be updated together at the time of a new lease contract upon expiration of the first lease contract. And information on the plurality of specified lease contracts and renewed lease contracts (new lease contracts) can be guided.

  Thereby, according to the lease contract proposing device 110 of the embodiment of the present invention, the total cost per unit period (one month) of the target property for the user who uses the target property of the lease contract. It is possible to make a proposal for collectively transferring a plurality of lease contracts with different switching dates (expiration dates) to a new lease contract, which are currently contracted on the current date, without significantly changing.

  Thereby, according to the lease contract proposing device 110 of the embodiment according to the present invention, the user who uses the lease company and the target property of the lease contract has a different expiration date for each target property. By consolidating a plurality of lease contracts that have been made into new lease contracts whose expiration dates are the same, procedures for renewing lease contracts from the next time onward can be performed together. As a result, according to the lease contract proposal device 110 of the embodiment of the present invention, it is possible to reduce the burden on the lease company and the user related to the renewal of the lease contract, especially the next and subsequent lease contracts.

  Accordingly, according to the lease contract proposing apparatus 110 of the embodiment of the present invention, the user who uses the property subject to the lease contract can suppress the fluctuation of the cost related to the lease contract borne by the user. A plurality of lease contracts that have been made individually for each target property can be combined into a plurality of lease contracts. As a result, according to the lease contract proposing device 110 of the embodiment of the present invention, the complexity of the user's accounting procedure due to the change in the total cost of the lease contract accompanying the renewal is reduced. In addition, the burden on the user for accounting processing can be reduced.

  In addition, according to the lease contract proposing device 110 of the embodiment of the present invention, a leasing company purchases a plurality of properties subject to a lease contract from a dealer to receive a discount from the dealer. You can enjoy the benefits.

  Further, according to the lease contract proposing device 110 of the embodiment according to the present invention, the dealer gives a discount to a leasing company when a new model is released, etc. By making proposals such as “Yes”, sales of new models can be promoted.

  The lease contract proposal device 110 according to the embodiment of the present invention is characterized in that the cost per unit period for the target property includes the lease fee and the running cost of the target property.

  According to the lease contract proposing device 110 according to the embodiment of the present invention, in addition to the cost for the lease of the target property, the lease contract that takes into account the cost that is expected to be consumed when actually used, It can be specified as a plurality of lease contracts (second and third lease contracts) that can be updated together at the time of a new lease contract.

  Thereby, according to the lease contract proposing device 110 of the embodiment of the present invention, a unit period (one month including the running cost) of the target property is given to the user who uses the target property of the lease contract. ) Without significantly changing the total cost per transaction), it is possible to propose that a plurality of lease contracts with different switching dates (expiration dates) on the current date are collectively transferred to a new lease contract.

  Further, according to the lease contract proposing device 110 of the embodiment according to the present invention, the user can achieve an energy saving effect without greatly changing the total cost per unit period (one month) including the running cost. We can promote transfer to high new product and can perform activity that leads to ecology. Further, according to the lease contract proposing apparatus 110 of the embodiment of the present invention, the running cost of the target property can be reduced, so that the reduced amount is converted into a lease fee and the profit of the leasing company is improved. be able to.

  In addition, the lease contract proposing device 110 according to the embodiment of the present invention is characterized in that it outputs information on the first total cost, the second total cost, and the new contract cost.

  According to the lease contract proposing device 110 according to the embodiment of the present invention, the total of expenses per unit period related to the objects subject to the first, second, and third lease contracts on the current date to the user, When the second lease contract is re-lease contracted, the total cost per unit period for the properties subject to the first, second and third lease contracts, and the first, second and second from the next day from the expiration date Use of multiple lease contracts by guiding the total cost per unit period for properties subject to the first, second and third lease contracts when each of the three lease contracts is replaced with a new lease contract Can make suggestions.

  As described above, according to the lease contract proposing device 110 according to the embodiment of the present invention, an appropriate switching timing from a current lease contract to a new lease contract according to a request from a user or a lease company, It is possible to perform a simulation of a combination of which lease contracts are preferably switched together.

  In addition, according to the lease contract proposing apparatus 110 of the embodiment of the present invention, the lease contract and the summary that can be updated together with the expiration of the first lease contract based on the expiration date of the first lease contract. It is possible to propose contract details by renewing. As a result, both the user and the leasing company can significantly increase the total cost per unit period (one month) for the target property without having to make a complicated examination of which lease contracts are to be put together at what timing. Without changing, it is possible to propose that a plurality of lease contracts with different switching dates (expiration dates) that are contracted on the current date are collectively transferred to a new lease contract.

  Further, according to the lease contract proposing apparatus 110 of the embodiment according to the present invention, both the user and the lease company are subject to the future schedule regarding which lease contracts are to be put together at which timing. Can be grasped before the lease contract expires. Thereby, the procedure concerning renewal of a lease contract can be performed smoothly.

  Further, according to the lease contract proposing device 110 of the embodiment according to the present invention, the dealer sets a condition such as “If you purchase Y units or more in X month, discount the sales price by Z% per unit”. By presenting in the above, it is possible to sell a large number of properties to a leasing company at a desired timing.

  According to the lease contract proposing device 110 according to the embodiment of the present invention, the leasing company determines that the lease fee is discounted by z% when switching y units or more in the x month based on the conditions presented by the dealer. By conducting a campaign, a plurality of lease contracts for a predetermined target property can be made at a desired timing.

  As a result, both the leasing company and the dealer can facilitate switching to a lease contract that targets the new model when the new model is released. Thereby, the user can reduce the burden on renewal of the lease contract by collecting a plurality of lease contracts, and can receive a discount privilege by switching.

  The lease contract proposal method described in this embodiment can be realized by executing a program prepared in advance on a computer such as a personal computer or a workstation. This program is recorded on a computer-readable recording medium such as a hard disk, a flexible disk, a CD-ROM, an MO, and a DVD, and is executed by being read from the recording medium by the computer. The program may be a transmission medium that can be distributed via a network such as the Internet.

  As described above, the lease contract proposing device, the lease contract proposing method, and the lease contract proposing program according to the present invention include a lease contract proposing device, a lease contract proposing method, and a lease contract proposing method that support the proposal of a new lease contract for renewing the lease contract. This is useful for a lease contract proposal program, and in particular, upon renewal of a lease contract, a lease contract proposal apparatus, a lease contract proposal method, and a lease contract proposal that support a proposal for renewing a plurality of lease contracts into a new lease contract. Suitable for the program.

DESCRIPTION OF SYMBOLS 100 Lease contract proposal system 110 Lease contract proposal apparatus 501 Memory | storage part 502 1st lease contract specific part 503 2nd lease contract specific part 504 3rd lease contract specific part 505 1st total cost calculation part 506 Release cost calculation 507 Cancellation cost calculation unit 508 Settlement cost calculation unit 509 Second total cost calculation unit 510 New contract identification unit 511 New contract cost calculation unit 512 First threshold determination unit 513 Second threshold determination unit 514 Output unit

Claims (5)

First lease contract specifying means for specifying a first lease contract whose basic lease period expires from the current date to the date when the first period elapses;
A second lease contract specification that specifies a second lease contract that expires from a date when the first lease contract expires (hereinafter referred to as an “expiration date”) and that can be re-leased for a second period. Means,
Third lease contract specifying means for specifying a third lease contract that expires from the expiration date to the date when the third period elapses;
The first total cost for calculating the total cost per unit period (hereinafter referred to as “first total cost”) for the property subject to the first lease contract, the second lease contract, and the third lease contract A calculation means;
Re-lease cost calculating means for calculating the cost per unit period when the second lease contract is re-lease contracted;
A cancellation cost calculating means for calculating a cancellation cost when the third lease contract is canceled on the expiration date;
When the cost calculated by the cancellation cost calculation means is allocated to each unit period included in the period from the current date to the expiration date, a settlement cost calculation means for calculating a cost per unit period;
Sum of expenses calculated by the settlement expense calculation means, expenses calculated by the re-lease cost calculation means, and costs per unit period for the target property of the first lease contract and the third lease contract (hereinafter referred to as “No. A second total cost calculating means for calculating “total cost of 2”;
When the first lease contract, the second lease contract, and the third lease contract are switched to a new lease contract from the next day of the expiration date, the unit related to the target property of each new lease contract New contract cost calculation means to calculate the total cost per period (hereinafter referred to as “new contract cost”),
First threshold determination means for determining whether or not a difference between the first total cost and the second total cost is equal to or less than a predetermined threshold;
Second threshold determination means for determining whether or not a difference between the first total cost and the new contract cost is equal to or less than a predetermined threshold;
When it is determined that the first threshold determination unit and the second threshold determination unit are equal to or less than the threshold, the determination result and the first lease contract, the second lease contract, the third Output means for outputting information relating to the new lease contract and the new lease contract;
A lease contract proposing device comprising:   The lease contract proposal device according to claim 1, wherein the cost per unit period for the target property includes a lease fee and a running cost of the target property.   3. The lease contract proposal apparatus according to claim 1, wherein the output unit outputs information on the first total cost, the second total cost, and the new contract cost. Computer
A first lease contract identifying step for identifying a first lease contract whose basic lease period expires from the current date to the date when the first period elapses;
A second lease contract specification that specifies a second lease contract that expires from a date when the first lease contract expires (hereinafter referred to as an “expiration date”) and that can be re-leased for a second period. Process,
A third lease contract identifying step for identifying a third lease contract that expires from the expiration date to the date when the third period elapses;
The first total cost for calculating the total cost per unit period (hereinafter referred to as “first total cost”) for the property subject to the first lease contract, the second lease contract, and the third lease contract A calculation process;
A re-lease cost calculation step of calculating a cost per unit period for the target property when the second lease contract is re-lease contracted;
A cancellation cost calculating step of calculating a cancellation cost when the third lease contract is canceled on the expiration date;
When the cost calculated in the cancellation cost calculation step is allocated to each unit period included in the period from the current date to the expiration date, a settlement cost calculation step for calculating a cost per unit period,
The total of the cost calculated in the settlement cost calculation step, the cost calculated in the re-lease cost calculation step, the cost per unit period related to the property subject to the first lease contract and the third lease contract (hereinafter referred to as “No. A second total cost calculating step of calculating "total cost of 2"),
When the first lease contract, the second lease contract, and the third lease contract are switched to a new lease contract from the next day of the expiration date, the unit related to the target property of each new lease contract New contract cost calculation process to calculate the total cost per period (hereinafter referred to as “new contract cost”),
A first threshold determination step of determining whether or not a difference between the first total cost and the second total cost is equal to or less than a predetermined threshold;
A second threshold determination step of determining whether or not a difference between the first total cost and the new contract cost is equal to or less than a predetermined threshold;
If it is determined in the first threshold value determination step and the second threshold value determination step that the value is equal to or less than the threshold value, the determination result and the first lease contract, the second lease contract, the third An output process for outputting information relating to the lease contract and the new lease contract;
The lease contract proposal method characterized by performing . On the computer,
A first lease contract identifying step for identifying a first lease contract whose basic lease period expires from the current date to the date when the first period elapses;
A second lease contract specification that specifies a second lease contract that expires from a date when the first lease contract expires (hereinafter referred to as an “expiration date”) and that can be re-leased for a second period. Process,
A third lease contract identifying step for identifying a third lease contract that expires from the expiration date to the date when the third period elapses;
The first total cost for calculating the total cost per unit period (hereinafter referred to as “first total cost”) for the property subject to the first lease contract, the second lease contract, and the third lease contract A calculation process;
A re-lease cost calculation step of calculating a cost per unit period for the target property when the second lease contract is re-lease contracted;
A cancellation cost calculating step of calculating a cancellation cost when the third lease contract is canceled on the expiration date;
When the cost calculated in the cancellation cost calculation step is allocated to each unit period included in the period from the current date to the expiration date, a settlement cost calculation step for calculating a cost per unit period,
The total of the cost calculated in the settlement cost calculation step, the cost calculated in the re-lease cost calculation step, the cost per unit period related to the property subject to the first lease contract and the third lease contract (hereinafter referred to as “No. A second total cost calculating step of calculating "total cost of 2"),
When the first lease contract, the second lease contract, and the third lease contract are switched to a new lease contract from the next day of the expiration date, the unit related to the target property of each new lease contract New contract cost calculation process to calculate the total cost per period (hereinafter referred to as “new contract cost”),
A first threshold determination step of determining whether or not a difference between the first total cost and the second total cost is equal to or less than a predetermined threshold;
A second threshold determination step of determining whether or not a difference between the first total cost and the new contract cost is equal to or less than a predetermined threshold;
If it is determined in the first threshold value determination step and the second threshold value determination step that the value is equal to or less than the threshold value, the determination result and the first lease contract, the second lease contract, the third An output process for outputting information relating to the lease contract and the new lease contract;
Lease contract proposal program characterized by causing

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