KR101722139B1 - A data processing method for a succession of leased vehicles - Google Patents

Abstract

The present invention provides a data processing method for succession of a leased vehicle, comprising: (a) a step of entering leased vehicle information and lease agreement information through a user terminal and transmitting the information to and saving the information to a main server of a leased vehicle succession website; (b) a step in which a partner company server and a lease company server perform membership authentication of the user terminal and receiving and synchronizing the saved information; (c) a step in which a data processing center receives the information and processes the information with a lease interest calculator and a succeeded vehicle assessment unit; (d) a step in which the main server receives succession request signal from the user terminal, combines with the succession request information with document information, which is made into an image, and requests an examination from the lease company server; (e) a step in which the lease company server receives the request for examination, searches the leased vehicle, performs the examination, and transmits an examination result message; and (f) a step in which the main server receives the examination result message and transmits the examination result message to the user terminal. The present invention aims to provide a data processing method for succession of a leased vehicle, which is able to maximize reliability of information in case of succession and to promote qualitative and quantitative growth in succession transactions of leased vehicles.

Description

[0001] The present invention relates to a data processing method for a succession of lease vehicles,

The present invention relates to a data processing method, and more particularly, to a data processing method, in which a review system capable of confirming all processes from receipt to approval at a request of a lease success through a server is introduced and a calculation formula And more particularly, to a data processing method for inheriting a lease vehicle, which allows a transaction to be transparent, easy to understand, and accurate.

The necessity of the current lease calculator starts from the recognition that there is no standard calculation method for lease car succession, which makes it difficult to succeed the lease car.

In other words, the "lease interest calculator" allows the successor to easily convey the contents of the lease contract, making it unnecessary to misunderstand and calculate between the successor and successor It is recognized that it is an element to help in the transaction by presenting accurate standard calculation formula.

Conventional lease car succession transactions are made through abandoning the transaction itself through difficult technical terms and complicated calculations, or through sales agents or salespeople.

Therefore, despite the many advantages of lease car succession transactions, customers seeking successive vehicles also suffer from difficulties due to inherited and inherited information due to distorted and difficult to understand information about successive vehicles, and complaints related to actual succession increase And fraud cases are increasing dramatically.

Therefore, "Lease interest calculator" has the effect of solving these problems at the source.

The successive vehicle evaluation system provides advantages for leased vehicles that have advantages over used cars, and provides a trading partner with a vehicle transaction by providing a comparison between the new vehicle price DB and the used vehicle DB.

However, unlike at the time of the contract, when the request for succession to the leasing company is delayed for at least two or three days or more, there is a problem that it is inconvenient and difficult to confirm the information about the examination result through a fixed telephone.

On the other hand, the size of the automobile lease market was only 663.5 billion won in 2002, but it has recently increased to more than 7,928.8 billion won.

 As a result, civil complaints related to leasing have increased significantly, and even the revision of the cancellation fee system has been reached.

 It is estimated that more than 8,000 lease successions have been made in last year alone, while civil complaints related to the termination of the lease account for 15% of the total.

 Lease succession is the most preferred termination method among lease termination methods.

 The reason for this is that a penalty (about 30% - 35% of the remaining principal) will be burdened if the lease is returned to the leasing company, and a penalty (10% of the remaining principal)

 Therefore, there is no penalty charge for the successor (termination of the existing leaseholder), and the person who is succeeded is able to use the new car condition and the interest rate without any transfer cost like the rental account, and the lease succession is increasing more and more.

 However, since the succession of the lease, which is a service after the lease contract, is not linked to the performance or profit of the leasing company, the leasing company receives the outsider from the leasing company.

 In addition, there is a difficulty for the customer to find a successor directly. Even if it finds it, it is difficult to explain and it is difficult to understand because it inherits the lease contract condition that the existing user used unlike the used car transaction.

 Unlike a used car that has a difficult term and a sales price, buyers often give up succession because of too many factors to understand.

That is why some search for a person to be transferred through a used car dealership or through a private network, which is a very dangerous way for the successor to take full responsibility, resulting in a continuing number of crimes related to lease succession.

This is because there is a case where it is judged that it is difficult to receive compensation from actual trial because the contract of lease (leaseholder) is a lease contract,

 Therefore, in order to activate the direct transaction between the successor and the successor, it is necessary to use the standard calculation formula which is very simple and easy to understand like the used car with the fixed selling price.

Accordingly, the inventor of the present invention has introduced a review system capable of checking all the processes from receipt to approval at the request of the lease company on-line through a server, and provides transparent and easy-to-understand transactions at the lease succession, And to reduce the cost and manpower by eliminating unnecessary complaints due to succession, and has devised a data processing method for succession of lease vehicles.

KR 2015-0108006E

An object of the present invention is to provide an information processing system and a method for processing information that can easily persuade information inputted by a seller so that a leasing transaction party can easily deal with it, And to provide a data processing method for inheriting a lease vehicle capable of achieving qualitative and quantitative growth of lease succession transactions.

According to another aspect of the present invention, there is provided a data processing method for a lease vehicle succession system including the steps of: (a) receiving lease information and lease contract information through a user terminal and transmitting and storing the lease information and lease contract information to a main server of a lease vehicle succession site; (b) an affiliate company server and a lease company server perform authentication of membership of the terminal of the user inputted and receive and store the stored information; (c) the data processing center receives the stored information and processes the processed information into the lease calculator and the successive vehicle evaluating unit; (d) receiving, by the main server, a succession request signal from the user terminal, combining the succession request information with the imaged document information, and requesting the leasing company server to examine the lease company information; (e) transmitting the examination result message after the leasing company server receives the requested examination, searches for the leased vehicle, performs examination, and transmits the examination result message; And (f) receiving the examination result message from the main server and delivering the examination result message to the user terminal.

In order to accomplish the above object, the present invention provides a data processing method for lease vehicle succession, comprising: requesting an input screen to the main server by the user terminal before the step (a); And the main server outputting an input interface screen for the lease information and the lease contract information to the user terminal.

According to another aspect of the present invention, there is provided a data processing method for lease vehicle succession, comprising the steps of: displaying a button for selecting a direct input or an automatic input on the input interface screen.

In order to achieve the above object, in the data processing method for lease vehicle succession according to the present invention, the main server receives the lease information and the lease contract information inputted by the main server, The method comprising the steps of:

In order to achieve the above object, the lease information of a lease vehicle successive data processing method of the present invention is a lease information of a lease vehicle, including a model of a lease vehicle, a model, a model year, a fuel, an amount of displacement, And a control unit.

In order to achieve the above object, the lease contract information of the data processing method for inheriting a lease term of the present invention includes a lease type, a lease term, a lease term, a monthly rent, a guaranteed amount, a residual value amount, .

In order to achieve the above object, the basic member information of the data processing method for inheriting a lease car according to the present invention includes an ID, a password, a name, a contact address, and an e-mail address.

In order to achieve the above object, the operation of the lease calculator in the step (c) of the data processing method for lease-vehicle succession according to the present invention is such that the selling price of the user is input in the purchase price field, ; When the selected lease is an operating lease, calculating an amount to be settled at succession, retention, and acquisition; When the selected lease is a finance lease, calculating an amount to be settled at succession and holding time; And calculating the sum of the total amount of payment and the surface rate for the selling price by summing the calculated amount to be settled.

In order to achieve the above object, there is provided a method of calculating an amount to be settled at the time of succession of a data processing method for inheriting a lease term of the present invention, comprising the steps of: displaying a sales price unredeemed principal (principal remaining in a book) as a result; If the displayed result is positive, displaying the difference amount and marking it as " succession in delivery "; And when the displayed result is negative, displaying the difference amount and displaying it as " grant at the time of succession ".

In order to achieve the above object, there is provided a method of calculating an amount to be settled in a data processing method for inheriting a lease term according to the present invention, comprising: inputting an amount excluding a vehicle tax and a premium in a monthly lease; A period excluding a lapse period from a total lease period is entered in a number of months; And a step of calculating and displaying an amount of the total rent multiplied by the monthly rent and the number of months.

To achieve the above object, there is provided a data processing method for inheriting a lease term according to the present invention, comprising the steps of: displaying a residual value-deposit as a result; If the displayed result is positive, displaying the difference amount and marking it as " delivery on acceptance "; And when the displayed result is negative, displaying the difference amount and displaying it as " deposit upon acquisition ".

In order to achieve the above object, in the data processing method for lease vehicle succession according to the present invention, the total payment amount is calculated by calculating, when the selected lease is an operating lease, the amount of money to be settled at the calculated succession time, Calculating a total amount and displaying a result; A monthly interest rate (total payment amount-selling price) / remaining month x100 = monthly interest rate; And the annual interest rate is calculated and displayed as the calculated monthly interest rate x 12 = annual interest rate.

In order to achieve the above object, the operation of the successive vehicle evaluating unit in the step (c) of the data processing method for leasing vehicle succession according to the present invention is characterized in that when the selling price is directly inputted, ; Providing data in which the used car quotation is directly input or the used car price DB is stored; An acquisition tax exemption amount, an average interest rate, a transfer succession time, and an expiration option are displayed; And a step of calculating a price difference between the lease sale amount and the used-car market, and displaying the successive-vehicle evaluation result.

In order to achieve the above object, the step (d) of the data processing method for lease vehicle succession according to the present invention comprises: accepting a review document from the user terminal for a leased vehicle retrieved from the main server after the succession request; And converting the lease information, the basic membership information, and the accepted examination document requested by the main server into an image file and transmitting the image file to the leasing company server.

In order to attain the above object, the step (e) of the data processing method for lease vehicle succession according to the present invention transmits a message " review received " to the user terminal when the transmission of the image file to the lease company server is completed , &Quot; under review " And transmitting, by the lease company server, one of the approval result, the rejection result, and the hold result message to the main server.

Specific details of other embodiments are included in the " Detailed Description of the Invention "and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention and the manner of achieving them will be apparent by reference to various embodiments described in detail below with reference to the accompanying drawings.

However, the present invention is not limited to the configurations of the embodiments described below, but may be embodied in various other forms, and each embodiment disclosed in this specification is intended to be illustrative only, It will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

According to the present invention, by collecting basic information for making a lease on-line and displaying it by an easy-to-understand calculation formula using a lease calculator, it is possible to activate the succession transaction preferred by the user among the lease- Not only can dramatically reduce time, but also reduce the social costs associated with complaints and disputes.

In addition, from the service provider side, it is possible to reduce the marketing cost because there is no need to pay a significant fee for the exposure of the keywords related to the service that can be provided to the search site and the blog marketing.

When the termination of the lease contract is terminated, it will be able to escape from the penalty payment burden, and transaction access to the transaction party will be facilitated and the succession market will be activated.

1 is a configuration diagram of a data processing system for implementing a data processing method for inheriting a lease vehicle according to the present invention.
2 is a block diagram illustrating data processing operations between the user terminal 100 and the data center 200 of the successor in the data processing system shown in FIG.
3 is a block diagram for explaining a data processing operation between the data center 200, the affiliate company server 300 and the lease company server 400 in the data processing system shown in FIG.
FIG. 4 is a block diagram (a) of the data processing center 500 in the data processing system shown in FIG. 1 and an actual screen (b) of the lease calculator 520.
FIG. 5 is a block diagram (a) of the data processing center 500 in the data processing system shown in FIG. 1 and an actual screen (b) of the succession vehicle evaluation unit 540.
6 is an actual screen finally displayed according to each situation in the successive vehicle evaluation unit 540 in the data processing system shown in FIG.
FIG. 7 is a block diagram for explaining data processing operations between the data center 200 in the data processing system shown in FIG. 1, the lease company server 400, and the user terminal 600 of the subscribers.
FIG. 8 is an actual screen in which a special search recommendation menu is displayed in the user terminal 600 of the successor in the data processing system shown in FIG.
9 is a flowchart showing an overall operation of a data processing method for inheriting a lease vehicle according to the present invention.
FIG. 10 is a flowchart showing a partial operation (S400) of the lease calculator 520 in the data processing method shown in FIG.
11 is a flowchart showing a partial operation (S500) of the successive vehicle evaluating unit 540 in the data processing method shown in Fig.

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

Before describing the present invention in detail, terms and words used herein should not be construed as being unconditionally limited in a conventional or dictionary sense, and the inventor of the present invention should not be interpreted in the best way It is to be understood that the concepts of various terms can be properly defined and used, and further, these terms and words should be interpreted in terms of meaning and concept consistent with the technical idea of the present invention.

That is, the terms used herein are used only to describe preferred embodiments of the present invention, and are not intended to specifically limit the contents of the present invention, It should be noted that this is a defined term.

Furthermore, in this specification, the singular forms "a", "an", and "the" include plural referents unless the context clearly dictates otherwise, and it should be understood that they may include singular do.

Where an element is referred to as "comprising" another element throughout this specification, the term " comprises " does not exclude any other element, It can mean that you can do it.

Further, when it is stated that an element is "inside or connected to" another element, the element may be directly connected to or in contact with the other element, A third component or means for fixing or connecting the component to another component may be present when the component is spaced apart from the first component by a predetermined distance, It should be noted that the description of the components or means of 3 may be omitted.

On the other hand, it should be understood that there is no third component or means when an element is described as being "directly connected" or "directly connected" to another element.

Likewise, other expressions that describe the relationship between the components, such as "between" and "immediately", or "neighboring to" and "directly adjacent to" .

In this specification, terms such as "one side", "other side", "one side", "other side", "first", "second" Is used to clearly distinguish one element from another element, and it should be understood that the meaning of the element is not limited by such term.

It is also to be understood that terms related to positions such as "top", "bottom", "left", "right" in this specification are used to indicate relative positions in the drawing, Unless an absolute position is specified for these positions, it should not be understood that these position-related terms refer to absolute positions.

Furthermore, in the specification of the present invention, the terms "part", "unit", "module", "device" and the like mean a unit capable of handling one or more functions or operations, Or software, or a combination of hardware and software.

In this specification, the same reference numerals are used for the respective components of the drawings to denote the same reference numerals even though they are shown in different drawings, that is, the same reference numerals throughout the specification The symbols indicate the same components.

In the drawings attached to the present specification, the size, position, coupling relationship, and the like of each constituent element of the present invention may be partially or exaggerated or omitted or omitted for the sake of clarity of description of the present invention or for convenience of explanation May be described, and therefore the proportion or scale may not be rigorous.

Further, in the following description of the present invention, a detailed description of a configuration that is considered to be unnecessarily blurring the gist of the present invention, for example, a known technology including the prior art may be omitted.

The user terminal described below may be a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), or the like capable of supporting computer functions such as internet communication, as well as a wired or wireless terminal such as a desktop computer, , A smart pad, and the like.

FIG. 1 is a block diagram of a data processing system for implementing a data processing method for lease vehicle succession according to the present invention, which includes a successor user terminal 100, a data center 200, an affiliate company server 300, A server 400, a data processing center 500, and a user terminal 600 of the subscribers.

The data center 200 includes a main server 220 and the data processing center 500 includes a lease calculator 520, an inheritance vehicle evaluator 540, a new vehicle price DB 560, Respectively.

2 is a block diagram illustrating data processing operations between the user terminal 100 and the data center 200 of the successor in the data processing system shown in FIG.

3 is a block diagram for explaining a data processing operation between the data center 200, the affiliate company server 300 and the lease company server 400 in the data processing system shown in FIG.

FIG. 4 is a block diagram (a) of the data processing center 500 in the data processing system shown in FIG. 1 and an actual screen (b) of the lease calculator 520.

FIG. 5 is a block diagram (a) of the data processing center 500 in the data processing system shown in FIG. 1 and an actual screen (b) of the succession vehicle evaluation unit 540.

6 is an actual screen finally displayed according to each situation in the successive vehicle evaluation unit 540 in the data processing system shown in FIG.

FIG. 7 is a block diagram for explaining data processing operations between the data center 200 in the data processing system shown in FIG. 1, the lease company server 400, and the user terminal 600 of the subscribers.

FIG. 8 is an actual screen in which a special search recommendation menu is displayed in the user terminal 600 of the successor in the data processing system shown in FIG.

9 is a flowchart showing an overall operation of a data processing method for inheriting a lease vehicle according to the present invention.

FIG. 10 is a flowchart showing a partial operation (S400) of the lease calculator 520 in the data processing method shown in FIG.

11 is a flowchart showing a partial operation (S500) of the successive vehicle evaluating unit 540 in the data processing method shown in Fig.

The operation of the data processing method for the lease car succession according to the present invention will now be described with reference to FIGS. 1 and 9 as follows.

A method for operating a site for successive lease vehicle succession according to the present invention is that a transaction party desiring a lease succession receives a succession service from a server connected through a network using a terminal.

First, it is assumed that a user joins the homepage as a member in the succession site main server 220.

Leased vehicle information and lease contract information are input through the user terminal 100 of the registered successor (S100) and transmitted to and stored in the main server 220 of the lease vehicle succession site (S200).

The affiliate company server 300 and the lease company server 400 receive the data of the information after the user authentication process of the user who has input the information, and synchronize with each other (S300).

It is also possible to request the synchronization from the partner company server 300 and the lease company server 400 to the main server 220.

The data stored in the main server 220 is processed in the data processing center 500 and the lease calculator 520 calculates the amount of settlement in step S400 and the successive vehicle evaluating unit 540 evaluates the successive vehicle in step S500, .

The main server 220 receives the succession request signal from the user terminal 100 of the successor and combines the succession request information with the imaged document information to request the leasing company server for examination (S600).

The lease company server 400 receives the requested examination, searches for the leased vehicle, performs the examination, and transmits a result message of approval / rejection / suspension (S700).

The main server 220 receives the examination result message from the lease company server 400 and transmits the examination result message to the user terminal 600 of the successor (S800).

The operation of the data processing method for inheriting the lease car according to the present invention will be described in detail with reference to FIGS. 1 to 11 as follows.

The successor (seller) accesses the main server 220 through the successor user terminal 100 and logs in the member.

Basic member information includes ID, password, name, contact, address, and e-mail address.

When the successor user terminal 100 requests the main server 220 for an input screen, the main server 220 transmits the input interface screen for the "lease vehicle information" and "lease contract information" to the successor user terminal 100 .

 On the input interface screen, buttons for selecting "direct input" or "automatic input" are displayed.

The lease information includes vehicle type, model, year, fuel, displacement, vehicle number, color, option, accident, mileage, and photograph. Lease contract information includes lease type, lease period, lease period, Warranty amount, amount of residual value, and succession conditions.

 The main server 220 receives the inputted "lease vehicle information" and "lease contract information", processes it in association with "basic member information", and stores it.

Next, the operation of the lease calculator 520 in the data processing center 500 will be described.

4B, the selling price of the user is input in the purchase price field (S410), and it is selected whether the lease type is an operating lease or a finance lease in the lease selection field (S420).

When the operating lease is selected (S430), the amount to be set at the time of succession, the time of holding and the time of the acquisition is calculated (S440), and when the finance lease is selected (S435) .

The method of calculating the amount to be settled at the time of succession shall be the result of the principal of the unrecovered sales price (principal remaining in the book).

If the displayed result is + (plus), the difference is displayed and displayed as "Subtotal Succession", and if the displayed result is negative (-), the difference is displayed and indicated as "Subtotal Succession".

The method of calculating the amount to be settled at the time of holding is to input the amount excluding the automobile tax and the insurance premium in the monthly lease, and the number of months is the period excluding the elapsed period in the total lease period.

Therefore, the total rent is calculated by multiplying the monthly rent by the number of months.

The method of calculating the amount to be settled at the time of the acquisition is the result of the residual value-deposit.

If the displayed result is + (plus), the difference is displayed and displayed as "cash on delivery", and if the displayed result is negative (-), the difference is displayed and indicated as "return upon acquisition".

Therefore, the total payment amount represents the sum of the amount to be settled at succession + the amount to be settled at the time of holding + the sum to be settled at the time of acquisition.

At this time, the surface rate, that is, the monthly interest rate (total payment amount-sales price) / the remaining month x100 = the monthly interest rate, and the annual interest rate is displayed as the monthly interest rate x 12 = the annual interest rate (S450).

Next, the operation of the successive vehicle evaluating unit 540 in the data processing center 500 will be described.

As shown in FIG. 5B, when the sales price is directly input by the customer, the new vehicle price DB 560 provides the new vehicle information together (S510).

The used car quotation is automatically entered by the customer manually or the data stored in the used car price DB 580 is automatically inputted (S520).

&Quot; Benefit 1 " is the exemption amount of the acquisition tax, and the result value of the sales price X 7% is output.

"Benefit 2" is the average interest rate, and it outputs the "annual interest rate" result value to the lease interest calculator.

"Benefit 3" is a succession of successions such as a low initial cost + 4,000,000 won, and outputs the "succession" result to the lease calculator.

"Benefit 4" is an expiration option. When the operating lease is selected, the acceptance, return and extension OK are displayed. When the finance lease is selected, the argument and extension OK are displayed (S530).

As a result, the lease sales amount analyzed by the successive vehicle evaluating unit 540 in the present embodiment is calculated to be 1,000,000 won lower than the used car quota (S540), and the successive vehicle evaluation result is displayed as Exellent (S550).

As shown in FIG. 6, if there is a large amount of remaining principal amount analyzed by the successive-vehicle evaluation unit 540, it is calculated as xxxx higher than the used-car price, and the successive-vehicle evaluation result is expressed as Well.

If the remaining principal amount analyzed by the successive vehicle evaluating unit 540 is the same as the used car price, it is calculated that there is no difference from the used car price, and the successive car evaluation result is displayed as good.

Next, an operation in which the user terminal 600 of the successor is interworked with the main server 220 and the lease company server to receive the examination result will be described.

The submergence request document is received from the user terminal 600 of the successor via the e-mail, facsimile, or SMS method for the leased vehicle retrieved from the main server 220.

At this time, the user terminal 600 of the successor can access the main server 220 and search for the following special search recommendation.

In other words, a special recommendation for detailed explanation, a successor evaluation such as a good car selection method, a deposit full payment only for money guide succession, a succession of cash receiving money, a guarantee of succession trustworthiness, direct successive car, succession of rental car succession And the like.

The lease company information 400, the base member information, and the examination document received by the main server 220 into an image file (GIF, JPEG, etc.) and transmits it to the lease company server 400.

Upon completion of the transfer to the lease company server 400, the message " Screening " is transmitted to the user terminal 600 of the successor of the successor by e-mail or SMS method, and then displayed as " Screening ".

The lease company server 400 transmits the examination result such as approval / rejection / suspension to the main server 220.

The main server 220 receives the examination result from the leasing company server 400 and delivers and directs the message to the user terminal 600 of the subscribers.

As described above, according to the present invention, the information inputted by the seller can be easily persuaded so that the lease transaction party can easily trade, and the data is processed and output so that the retrieval is easy and understandable to the buyer, The present invention provides a data processing method for succession of lease vehicles that can achieve qualitative and quantitative growth of lease transfer transactions by maximizing the lease transfer.

By collecting the basic information for lease succession on line and showing it as an easy-to-understand formula by the lease calculator, it can greatly reduce the cost and time of the user by activating the succession transaction preferred by the user during the lease termination method In addition, it will reduce social costs due to related complaints and disputes.

In addition, from the service provider side, it is possible to reduce the marketing cost because there is no need to pay a significant fee for the exposure of the keywords related to the service that can be provided to the search site and the blog marketing.

When the termination of the lease contract is terminated, it will be able to escape from the penalty payment burden, and transaction access to the transaction party will be facilitated and the succession market will be activated.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is evident that many alternatives, modifications and variations will be apparent to those skilled in the art. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

In addition, since the present invention can be embodied in various other forms, the present invention is not limited by the above description, and the above description is intended to be a complete description of the present invention, It will be understood by those of ordinary skill in the art that the present invention is only provided to fully inform the person skilled in the art of the scope of the present invention and that the present invention is only defined by the claims of the claims.

100: successor user terminal
200: Data center
220: main server
300: Affiliate Server
400: Leasing company server
500: Data processing center
520: Lease interest calculator
540: Succession vehicle evaluation section
560: New car price DB
580: Used car price DB
600: User terminal of the successor

Claims (15)

(a) receiving lease information and lease information through a user terminal and transmitting and storing the lease information and the lease agreement information to a main server of a leasehold succession site;
(b) an affiliate company server and a lease company server perform authentication of membership of the terminal of the user inputted and receive and store the stored information;
(c) the data processing center receives the stored information and processes the processed information into the lease calculator and the successive vehicle evaluating unit;
(d) receiving, by the main server, a succession request signal from the user terminal, combining the succession request information with the imaged document information, and requesting the leasing company server to examine the lease company information;
(e) transmitting the examination result message after the leasing company server receives the requested examination, searches for the leased vehicle, performs examination, and transmits the examination result message; And
(f) receiving the examination result message from the main server and delivering the examination result message to the user terminal;
≪ / RTI >
A data processing method for succession of lease vehicles.
The method according to claim 1,
Before the step (a)
Requesting an input screen to the main server by the user terminal; And
The main server outputting an input interface screen for the lease information and the lease contract information to the user terminal;
≪ / RTI >
A data processing method for succession of lease vehicles.
3. The method of claim 2,
On the input interface screen
Characterized in that a button for selecting a direct input or an automatic input is displayed,
A data processing method for succession of lease vehicles.
The method according to claim 1,
The step (a)
Associating the lease information and the lease contract information inputted by the main server with the basic membership information and storing the same;
≪ / RTI >
A data processing method for succession of lease vehicles.
5. The method of claim 4,
The lease information
A model, a model year, a fuel, a displacement amount, a vehicle number, a color, an option, an accident occurrence, a mileage and a photograph of the lease vehicle.
A data processing method for succession of lease vehicles.
5. The method of claim 4,
The lease agreement information includes
Lease term, lease term, monthly rent, guarantee amount, residual value amount, succession condition, and photograph.
A data processing method for succession of lease vehicles.
5. The method of claim 4,
The basic member information includes
ID, password, name, contact, address, and e-mail address.
A data processing method for succession of lease vehicles.
The method according to claim 1,
In the step (c)
The operation of the lease interest calculator
A selling price of a user is input in a purchase price field, and a lease type is selected in a lease selection field;
When the selected lease is an operating lease, calculating an amount to be settled at succession, retention, and acquisition;
When the selected lease is a finance lease, calculating an amount to be settled at succession and holding time; And
Calculating the total amount to be paid and the surface rate for the selling price by summing the calculated amount to be settled;
≪ / RTI >
A data processing method for succession of lease vehicles.
9. The method of claim 8,
The calculation method of the amount to be settled at the succession time is
Displaying the sale price unredeemed principal (the principal remaining in the book) as a result;
If the displayed result is positive, displaying the difference amount and marking it as " succession in delivery "; And
If the displayed result is negative, displaying the difference amount and displaying it as " succession fund ";
≪ / RTI >
A data processing method for succession of lease vehicles.
9. The method of claim 8,
The calculation method of the amount to be settled at the time of holding is
A step of inputting an amount of a monthly rent excluding automobile tax and insurance premium;
A period excluding a lapse period from a total lease period is entered in a number of months; And
A step of calculating and displaying an amount obtained by multiplying the total rent by the monthly rent and the number of months;
≪ / RTI >
A data processing method for succession of lease vehicles.
9. The method of claim 8,
The calculation method of the amount to be settled at the time of the acquisition is
The residual value - the deposit being displayed as a result;
If the displayed result is positive, displaying the difference amount and marking it as " delivery on acceptance "; And
If the displayed result is negative, displaying the difference amount and marking it as " deposit upon acceptance ";
≪ / RTI >
A data processing method for succession of lease vehicles.
9. The method of claim 8,
The calculating operation of the total payment amount
When the selected lease is an operating lease, calculating a total amount of the amount to be settled at the time of the succession calculation, holding, and calculation at the time of acquisition, and displaying the result;
A monthly interest rate (total payment amount-selling price) / remaining month x100 = monthly interest rate; And
The annual interest rate is calculated and displayed as the calculated monthly interest rate x 12 = the annual interest rate;
≪ / RTI >
A data processing method for succession of lease vehicles.
9. The method of claim 8,
In the step (c)
The operation of the successive-vehicle evaluating unit
If the sales price is directly input, providing a new car price DB to the new car information;
Providing data in which the used car quotation is directly input or the used car price DB is stored;
An acquisition tax exemption amount, an average interest rate, a transfer succession time, and an expiration option are displayed; And
Calculating a price difference between a lease sale amount and a used car quotation, and displaying a succession vehicle evaluation result;
≪ / RTI >
A data processing method for succession of lease vehicles.
5. The method of claim 4,
The step (d)
Receiving the examination document from the user terminal with respect to the leased vehicle retrieved from the main server after the succession request; And
Converting the lease information, the basic membership information, and the accepted examination documents requested by the main server into an image file and transmitting the converted image file to the leasing company server;
≪ / RTI >
A data processing method for succession of lease vehicles.
15. The method of claim 14,
The step (e)
When the transmission of the image file to the lease company server is completed, transmitting a message " received " to the user terminal and marking it as " being reviewed "; And
Transmitting, by the lease company server, the examination result message of approval, rejection, and suspension to the main server;
≪ / RTI >
A data processing method for succession of lease vehicles.

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