JP7453454B1 - Provision device, method and program - Google Patents

Abstract

[Problem] To make it easier for customers to purchase expensive terminals. [Solution] The providing device calculates the terminal price, which is the price of the terminal, based on the terminal price, which is the price as the original value of the terminal, and the discount upper limit amount, which is the upper limit amount to which the terminal price is discounted. A setting unit that sets an exemption period, which is a period during which payment of at least a portion of the terminal fee is exempted within a predetermined period to be paid in installments, and payment of at least a portion of the terminal fee during the exemption period set by the setting unit. and a provision department that provides installment plans, which are exempt plans. [Selection diagram] Figure 1

Description

The present invention relates to a providing device, a providing method, and a providing program.

There are various price plans for purchasing terminals such as smartphones, and campaigns and discount systems allow customers to purchase terminals at bargain prices. Here, when purchasing a car, etc., if installment payments are made for the car, etc., payment of at least part of the car price, such as the remaining debt of the car, etc. There is a technology that provides installment plans such as residual value set loans that are exempted from debt (for example, see Patent Document 1). In addition, similar to the conventional technology that provides an installment plan when purchasing a car, etc., when an expensive device is purchased, if the installment payment is made halfway, there will be a balance due on the device, etc. There is a technology that provides an installment plan in which at least a portion of the terminal fee is waived.

Japanese Patent Application Publication No. 2004-005238

However, with the conventional technology, it may not be possible to make it easier for customers to purchase expensive terminals. For example, in recent years, while the cost of terminals has become more expensive, there are restrictions on the amount of discounts that can be given to customers, so it may not be possible to make it easier for customers to purchase expensive terminals. Therefore, there is a need for ways to make it easier for customers to purchase devices.

The providing device according to one aspect of the present invention provides a price for the terminal based on a terminal price, which is the price as the original value of the terminal, and a discount upper limit amount, which is the upper limit amount to which the terminal price is discounted. a setting section that sets an exemption period, which is a period during which payment of at least a part of the terminal fee is exempted from a predetermined period during which the terminal fee is paid in installments; and a provision unit that provides an installment plan that exempts payment of at least a portion of the terminal fee.

According to one aspect of the present invention, it is possible to make it easier for customers to purchase expensive terminals.

It is a diagram showing an example of the configuration of a providing system. FIG. 3 is a diagram for explaining an example of setting an exemption period. It is a flowchart which shows an example of the flow of processing of a provision system. It is a diagram showing an example of a hardware configuration of a providing system.

Embodiments of the present invention will be described below with reference to the drawings, but the present invention is not limited to the following embodiments. In addition, in the description of the drawings, the same parts are given the same reference numerals, redundant explanations will be omitted, and explanations of members having similar functions and similar processes will also be omitted.

(1. Embodiment)
(Example of outline)
In the provision system 1 according to the present embodiment, the provision device 10 sets an exemption period based on the terminal price and the upper limit discount amount, and provides an installment plan based on the exemption period.

Here, the terminal price refers to the price as the original value of the terminal. The upper limit discount amount refers to the upper limit amount by which the terminal price can be discounted. For example, the discount upper limit amount refers to the upper limit of the discount amount. The discount amount refers to the amount by which the terminal price is discounted. For example, the discount amount is the amount obtained by subtracting the purchase price, which is the purchase value at which the device returned by the customer to the installment plan provider, is purchased by a second-hand dealer, etc. from the device price. The amount effectively discounted from the device price by the installment plan provider. The exemption period refers to a period during which at least part of the terminal fee is exempted from payment within a predetermined period during which the terminal fee, which is the price of the device, is paid in installments. The term "terminal charge" refers to, for example, the monthly amount or total amount paid by the customer for the terminal during the period corresponding to the exemption period if at least part of the payment of the terminal charge is not exempted. An installment plan is a plan in which at least part of the terminal fee is exempted during the exemption period.

For example, in the conventional technology, when the discount amount is limited to a predetermined upper limit discount amount such as 40,000 yen or less, the discount amount under the installment plan, which is a plan in which the terminal is paid in installments, is 76,000 yen. In some cases, the discount amount exceeds the amount, making it impossible to offer an installment plan and making it easier for customers to purchase expensive devices.

In contrast, in the provision system 1 according to the present embodiment, the provision device 10 sets the start of the exemption period so that the purchase price is higher than the amount obtained by subtracting the predetermined upper limit discount amount from the terminal price. and provides an installment payment plan in which at least part of the terminal fee is exempted during the exemption period. As an example, in the provision system 1, the provision device 10 originally pays in installments so that the secondary sales price when the terminal is collected is higher than the amount obtained by subtracting a predetermined upper limit discount amount from the terminal price. If the device fee is paid in installments up to the first 12 months of a 48-month period and the device is returned in the 13th month, the device fee will be exempted in the exemption period of the latter 36 months after the 13th month. Provide a plan.

As a result, for example, the purchase price will decrease from 50,000 yen, which is 40% of the price of a device of 126,000 yen after 24 months of use by the customer, to 40% of the price of a device of 126,000 yen after 12 months of use by the customer. This will improve to 88,000, which is a 70% decrease. Therefore, even if the providing device 10 limits the discount amount to a predetermined upper limit of discount, such as 40,000 yen or less, the providing system 1 can limit the discount amount to 38,000 yen and sell expensive terminals. You can make it easier for customers to buy.

(Example of configuration of provision system)
An example of the configuration of the provision system 1 according to the embodiment will be described using FIG. 1. FIG. 1 is a diagram showing an example of the configuration of a providing system. In the example shown in FIG. 1 , the providing system 1 includes a providing device 10 .

(Example of configuration of providing device)
The providing device 10 sets an exemption period based on the terminal price and the upper limit discount amount, and provides an installment plan based on the exemption period. The providing device 10 is realized by, for example, a terminal such as a computer. In the example shown in FIG. 1, the providing device 10 includes a collection section 11, a control section 12, an output section 13, and a storage section 14.

(Collection Department)
The collection unit 11 collects the purchase price based on the market where the terminal is collected. As an example, the collection unit 11 collects the purchase price by referring to information on second-hand dealers from which terminals are collected. As another example, the collection unit 11 collects the purchase price by referring to the market price of the terminal such that the purchase price decreases to 70% of the terminal price after 12 months of use by the customer. The collection unit 11 may further collect the terminal price and the upper limit discount amount.

(control unit)
The control unit 12 controls the entire providing device 10 . For example, the control unit 12 is constituted by one or more processors having programs that define various processing procedures and internal memory in which control information is stored, and the processors execute each process using the programs and internal memory. . The control unit 12 is, for example, an integrated circuit such as a CPU (Central Processing Unit), an MPU (Micro Processing Unit), a GPU (Graphics Processing Unit), etc., an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), etc. Realized by a circuit. In the example shown in FIG. 1, the control unit 12 includes a setting unit 121 and a providing unit 122.

(setting section)
The setting unit 121 determines that the terminal price, which is the price of the terminal, is paid in installments based on the terminal price, which is the price as the original value of the terminal, and the discount upper limit amount, which is the upper limit amount by which the terminal price is discounted. An exemption period is set during a predetermined period during which payment of at least part of the terminal fee is exempted. For example, based on the terminal price and the discount upper limit collected by the collection unit 11, the setting unit 121 sets the exemption period to the latter 36 months of a predetermined period of 48 months so that the discount upper limit is 40,000 or less. Set to . The setting unit 121 may set the exemption period based further on the purchase price, which is the purchase price at which the terminal is purchased. For example, the setting unit 121 sets the start of the exemption period to the time when the purchase price decreases so that the upper limit discount amount falls below 40,000 yen. In this manner, the setting unit 121 sets the exemption period in accordance with the purchase price, thereby making it easier for customers to purchase expensive terminals.

The setting unit 121 may set the exemption period so that the purchase price is higher than the terminal price minus the upper limit discount amount. For example, the setting unit 121 sets the start of the exemption period so that the purchase price of 88,000 is higher than the terminal price of 126,000 minus the upper limit discount amount of 40,000. Set in the 13th month after the first 12 months have passed. Thereby, even if the discount amount is limited to the predetermined upper limit discount amount, the setting unit 121 can keep the discount amount within the predetermined upper limit discount amount, thereby making it easier for the customer to purchase an expensive terminal. Can be done.

The setting unit 121 may set the start of the exemption period to be the time when the discount amount, which is the amount by which the terminal price is discounted, falls below a predetermined range from the discount upper limit amount. An example of setting the exemption period by the setting unit 121 will be described below with reference to FIG. 2. FIG. 2 is a diagram for explaining an example of setting an exemption period. In the example shown in FIG. 2, the setting unit 121 sets the period when the discount amount of 38,000 falls below a predetermined range, such as 0.2 million, from the discount upper limit of 40,000, as the start of the exemption period. Set. Thereby, the setting unit 121 can set the exemption period so that payment is exempted up to a discount amount close to the discount upper limit amount, so even if the discount amount is limited to a predetermined discount upper limit amount, the discount amount can be set. It is possible to keep the discount within the upper limit and make it easier for customers to purchase expensive terminals.

Returning to the explanation of FIG. The setting unit 121 may set the exemption period based on the purchase price collected by the collection unit 11. For example, the setting unit 121 may set a purchase price based on information about a second-hand dealer from which the terminal is collected, or the market price of the terminal such that the purchase price decreases to 70% of the terminal price after 12 months of use by the customer. The period during which the discount amount falls below the upper limit of 40,000 yen will be set as the beginning of the exemption period. As a result, the setting unit 121 sets the exemption period according to the purchase price based on the market where the terminal is collected, so even if the discount amount is limited to the predetermined upper limit discount amount, the setting unit 121 sets the exemption period according to the purchase price based on the market where the terminal is collected. It is possible to make it easier for customers to purchase expensive devices by keeping the price within the limit.

(Providing Department)
The providing unit 122 provides an installment plan that is a plan in which payment of at least a portion of the terminal fee is exempted during the exemption period set by the setting unit 121. For example, if the terminal is paid in installments and the terminal is returned by the 13th month, which is the start of the exemption period set by the setting unit 121, the provision unit 122 may provide an exemption for the latter 36 months after the 13th month. We offer an installment plan that exempts you from paying the outstanding balance of your device for a period of time. Thereby, even if the discount amount is limited to the predetermined upper limit discount amount, the providing unit 122 can keep the discount amount within the predetermined upper limit discount amount and make it easier for the customer to purchase an expensive terminal. can.

(Output section)
The output unit 13 outputs various information. For example, the output unit 13 displays the installment plan provided by the providing unit 122 as an image or outputs it as audio. The output unit 13 is realized by, for example, a display unit such as a display, an audio output unit, or the like.

(Storage part)
The storage unit 14 stores various information. For example, the storage unit 14 stores various information regarding the terminal price, discount amount, discount maximum amount, purchase price, exemption period, installment plan, the OS (Operating System) executed by the providing device 10, various programs, and the like. The storage unit 14 stores information in, for example, storage devices such as HDD (Hard Disk Drive), SSD (Solid State Drive), and optical disks, RAM (Random Access Memory), flash memory, and NVSRAM (Non Volatile Static Random Access Memory). This is realized using a rewritable semiconductor memory or the like.

(Example of processing flow)
Hereinafter, an example of the flow of processing executed by the providing device 10 of the providing system 1 according to the embodiment will be described using FIG. 3. FIG. 3 is a flowchart showing an example of the flow of processing executed by the providing system.

In step S1, the collection unit 11 collects the purchase price based on the market where the terminal is collected. For example, when the setting unit 121 determines that an exemption period is set, the collection unit 11 collects information on second-hand dealers from which the terminal is collected, and the purchase price is 70% of the terminal price after 12 months of use by the customer. Collect the purchase price by referring to the market price of the device, such as decreasing by %. In the example shown in FIG. 3, in step S1, when the setting unit 121 determines that an exemption period is to be set, the collection unit 11 further collects the terminal price and the upper limit discount amount.

In step S2, the setting unit 121 determines that the terminal price, which is the price of the terminal, is based on the terminal price, which is the price as the original value of the terminal, and the discount upper limit amount, which is the upper limit amount by which the terminal price is discounted. An exemption period is set, which is a period during which payment of at least a part of the terminal fee is exempted from a predetermined period for which payments are made in installments. For example, the setting unit 121 determines that the purchase price of 88,000 yen is the terminal price of 126,000 yen based on the purchase price, terminal price, and upper limit discount amount collected by the collecting unit 11. The start of the exemption period is set in the 13th month after 12 months have elapsed so that the certain 40,000 yen is higher than the amount deducted.

In step S3, the providing unit 122 provides an installment plan that is a plan in which payment of at least part of the terminal fee is exempted during the exemption period set by the setting unit 121. For example, if the terminal is paid in installments and the terminal is returned by the 13th month, which is the start of the exemption period set by the setting unit 121, the provision unit 122 will provide an exemption for the latter 36 months after the 13th month. We offer an installment plan that exempts you from paying the outstanding balance of your device for a period of time.

(2. Hardware configuration)
FIG. 4 is a diagram showing an example of the hardware configuration of the providing device 10. As shown in FIG. The program installed on the computer 1200 functioning as the providing device 10 causes the computer 1200 to function as one or more "units" of the apparatus according to the embodiment, or causes the computer 1200 to perform operations or one or more "units" associated with the apparatus. 1200 and may cause computer 1200 to perform a process or process step according to an embodiment. Such programs may be executed by CPU 1212 to cause computer 1200 to perform certain operations associated with some or all of the blocks in the flowcharts and block diagrams described herein.

The computer 1200 according to the embodiment includes a CPU 1212, a RAM 1214, and a graphics controller 1216, which are interconnected by a host controller 1210. The computer 1200 also has input/output units such as a communication interface 1222, a storage device 1224, a DVD drive 1226, and an IC card drive, which are connected to the host controller 1210 via the input/output controller 1220. DVD drive 1226 may be a DVD-ROM drive, a DVD-RAM drive, and the like. Storage device 1224 may be a hard disk drive, solid state drive, or the like. The computer 1200 also includes a ROM 1230 and legacy input/output units such as a keyboard, which are connected to the input/output controller 1220 via an input/output chip 1240.

CPU 1212 operates according to programs stored in ROM 1230 and RAM 1214, thereby controlling each unit. Graphics controller 1216 obtains image data generated by CPU 1212, such as in a frame buffer provided in RAM 1214 or itself, and causes the image data to be displayed on display device 1218.

Communication interface 1222 communicates with other electronic devices via a network. Storage device 1224 stores programs and data used by CPU 1212 within computer 1200. The DVD drive 1226 reads a program or data from a DVD-ROM 1227 or the like and provides it to the storage device 1224. The IC card drive reads programs and data from the IC card and writes programs and data to the IC card.

ROM 1230 stores therein programs that are dependent on the hardware of computer 1200, such as a boot program that is executed by computer 1200 upon activation. The input/output chip 1240 may also connect various input/output units to the input/output controller 1220 via a USB port, parallel port, serial port, keyboard port, mouse port, etc.

The program is provided by a computer readable storage medium such as a DVD-ROM 1227 or an IC card. The program is read from a computer-readable storage medium, installed in storage device 1224, RAM 1214, or ROM 1230, which are also examples of computer-readable storage media, and executed by CPU 1212. The information processing described in these programs is read by computer 1200 and provides coordination between the programs and the various types of hardware resources described above. An apparatus or method may be configured to implement operations or processing of information according to the use of computer 1200.

For example, when communication is performed between the computer 1200 and an external device, the CPU 1212 executes a communication program loaded into the RAM 1214, and sends communication processing to the communication interface 1222 based on the processing written in the communication program. You can give orders. The communication interface 1222 reads transmission data stored in a transmission buffer area provided in a recording medium such as a RAM 1214, a storage device 1224, a DVD-ROM 1227, or an IC card under the control of the CPU 1212, and transmits the read transmission data. is transmitted to the network, or the received data received from the network is written to a receive buffer area provided on the recording medium.

In addition, the CPU 1212 causes the RAM 1214 to read all or a necessary part of a file or database stored in an external recording medium such as a storage device 1224, a DVD drive 1226 (DVD-ROM 1227), or an IC card. Various types of processing may be performed on. CPU 1212 may then write the processed data back to an external storage medium.

Various types of information, such as various types of programs, data, tables, and databases, may be stored on a recording medium and subjected to information processing. CPU 1212 performs various types of operations, information processing, conditional determination, conditional branching, unconditional branching, and information retrieval on data read from RAM 1214 as described elsewhere in this disclosure and specified by the program's instruction sequence. , substitution, etc., and writing the results back to RAM 1214. Further, the CPU 1212 may search for information in a file in a recording medium, a database, or the like. For example, when a plurality of entries are stored in a recording medium, each having an attribute value of a first attribute associated with an attribute value of a second attribute, the CPU 1212 selects the first entry from among the plurality of entries. Search for an entry whose attribute value matches the specified condition, read the attribute value of the second attribute stored in the entry, and then set the attribute value to the first attribute that satisfies the predetermined condition. An attribute value of the associated second attribute may be obtained.

The programs or software modules described above may be stored in a computer-readable storage medium on or near computer 1200. Furthermore, a recording medium such as a hard disk or RAM provided in a server system connected to a dedicated communication network or the Internet can be used as a computer-readable storage medium, thereby providing the program to the computer 1200 via the network. do.

Blocks in flowcharts and block diagrams may represent stages in a process in which operations are performed or "parts" of apparatus responsible for performing the operations. Certain steps and "units" may be provided by dedicated circuitry, programmable circuitry provided with computer-readable instructions stored on a computer-readable storage medium, or by a processor provided with computer-readable instructions stored on a computer-readable storage medium. May be implemented. Specialized circuitry may include digital or analog hardware circuitry, and may include integrated circuits (ICs) or discrete circuits. Programmable circuits include AND, OR, exclusive OR, NAND, NOR and other logic operations, flip-flops, etc., such as field programmable gate arrays (FPGA) and programmable logic arrays (PLA). It may include reconfigurable hardware circuitry including registers as well as memory elements.

A computer-readable storage medium may include any tangible device capable of storing instructions for execution by a suitable device such that a computer-readable storage medium with instructions stored therein may be illustrated in a flowchart or block diagram. A product includes instructions that can be executed to create a means for performing specified operations. Examples of computer-readable storage media include electronic storage media, magnetic storage media, optical storage media, electromagnetic storage media, semiconductor storage media, and the like. More specific examples of computer readable storage media include floppy disks, diskettes, hard disks, random access memory (RAM), read only memory (ROM), erasable programmable read only memory (EPROM or flash memory). , Electrically Erasable Programmable Read Only Memory (EEPROM), Static Random Access Memory (SRAM), Compact Disk Read Only Memory (CD-ROM), Digital Versatile Disk (DVD), Blu-ray Disc, Memory Stick , integrated circuit cards, and the like.

Computer-readable instructions may include assembler instructions, instruction set architecture (ISA) instructions, machine instructions, machine-dependent instructions, microcode, firmware instructions, state configuration data, or object-oriented programming languages such as Smalltalk, JAVA, C++, etc. and any combination of one or more programming languages, including traditional procedural programming languages such as the "C" programming language or similar programming languages.

The computer-readable instructions are for producing means for a processor of a general purpose computer, special purpose computer, or other programmable data processing device, or programmable circuit to perform the operations specified in the flowchart or block diagrams. A general purpose computer, special purpose computer, or other programmable data processing device, locally or over a local area network (LAN), wide area network (WAN), such as the Internet, to execute the computer readable instructions. It may be provided to a processor or a programmable circuit. Examples of processors include computer processors, processing units, microprocessors, digital signal processors, controllers, microcontrollers, and the like.

Although one aspect of the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the range described in the above embodiments. Various changes or improvements can be made to the embodiments described above. Further, forms with such changes or improvements may also be included within the technical scope of the present invention.

The order of execution of each process, such as an operation, procedure, step, or stage in the apparatus, system, program, and method shown in the claims, specification, and drawings, specifically refers to "before" or "prior to". It should be noted that they can be implemented in any order unless explicitly stated as such, and unless the output of a previous process is used in a subsequent process. Even if the claims, specifications, and operational flows in the drawings are explained using ``first'', ``next'', etc. for convenience, this does not mean that it is essential to carry out the operations in this order. It's not a thing.

1 Providing System 10 Providing Device 11 Collection Unit 12 Control Unit 121 Setting Unit 122 Providing Unit 13 Output Unit 14 Storage Unit

Claims (5)

The terminal price, which is the price as the original value of the terminal, the purchase price, which is the price at which the terminal is purchased, and the upper limit of the discount amount, which is the amount discounted from the terminal price based on the purchase price. and at least a portion of the device price that would originally be paid in installments in exchange for the return of the device, so that the discount amount is within the discount limit based on a setting unit that sets an exemption period, which is a period during which payment of
a providing unit that provides an installment plan , which is a payment plan in which payment of at least a portion of the terminal fee is exempted during the exemption period set by the setting unit;
A providing device characterized by having: The providing device according to claim 1 , wherein the setting unit sets a time when the discount amount becomes less than a predetermined range from the discount upper limit amount as the beginning of the exemption period. further comprising a collection unit that collects the purchase price based on the market in which the terminal is collected;
The providing device according to claim 1 or 2 , wherein the setting unit sets the exemption period based on the purchase price collected by the collection unit. A providing method executed by a providing device, comprising:
The terminal price, which is the price as the original value of the terminal, the purchase price, which is the price at which the terminal is purchased, and the upper limit of the discount amount, which is the amount discounted from the terminal price based on the purchase price. and at least a portion of the device price that would originally be paid in installments in exchange for the return of the device, so that the discount amount is within the discount limit based on a setting step of setting an exemption period, which is a period during which payment of
a providing step of providing an installment plan , which is a payment plan in which payment of at least a portion of the terminal fee is exempted during the exemption period set in the setting step;
A provision method characterized by comprising: The terminal price, which is the price as the original value of the terminal, the purchase price, which is the price at which the terminal is purchased, and the upper limit of the discount amount, which is the amount discounted from the terminal price based on the purchase price. and at least a portion of the device price that would originally be paid in installments in exchange for the return of the device, so that the discount amount is within the discount limit based on a configuration step of setting a waiver period, which is the period during which the payment of the
a providing unit step of providing an installment plan , which is a payment plan in which payment of at least a part of the terminal fee is exempted during the exemption period set in the setting step;
A provided program characterized by causing a computer to execute.

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