KR20230018735A - Uneven Payment Type Rental Service System amd the Method of the Same - Google Patents

Abstract

The present invention relates to a rental service system using uneven payment and a method thereof. The rental service system using uneven payment according to the present invention, which is a product rental service system, comprises: a rental service management unit which receives rental service request information including customer information of a user who wants to use a rental service and product information about a selected product; and a rental fee calculation unit which calculates a plurality of pieces of rental condition information including advance payment information regarding first advance payment to be paid according to advance payment selection criteria set based on the rental service request information, intermediate rental fee information regarding a monthly rental fee paid every month during the entire rental period excluding the last month, and final rental fee information regarding the final rental fee paid in the final month by subtracting the intermediate rental fee, which is the sum of the advance payment and the monthly rental fee, from the total rental fee. The rental service management unit provides the plurality of pieces of calculated rental condition information to a customer terminal and receives any one of the rental condition information selected from the customer terminal, and stores the same as contract rental condition information. Accordingly, a service user can carefully select the advance payment and the intermediate rental fee by taking into account ability and intention to pay. Therefore, impulsive purchases can be prevented and non-performing loans due to high involvement selection can be minimized.

Description

Uneven Payment Type Rental Service System amd the Method of the Same}

The present invention relates to a rental service system and method, and in particular, a service user can carefully select an advance payment and an intermediate rental fee in consideration of his or her ability to pay and intention, thereby preventing impulse purchases, and preventing impulse purchases due to high involvement selection. Non-performing loans can be minimized, and rental products can be picked up/returned or re-rented during or at the end of the rental period, so the service user's options are maximized to provide non-equal payment that can be used again under favorable rental conditions through rational selection It relates to a rental service system and method thereof.

Product rental service is a method of paying the price (rental fee) for a certain rental period and borrowing the product. Compared to installment financing, it is possible to use the product while paying the price for a relatively long period, so there is no lump-sum purchase burden, and relatively It is widely used because it has the advantage of being able to use expensive items while paying a small monthly fee.

However, the conventional product rental service has a problem in that there is little burden on the user at the time of service contract, so there is a high possibility of impulsive purchase, and in the case of a user who lacks payment ability, it leads to rental arrears, resulting in mass production of non-performing loans.

In addition, since the service user has no choice but to choose among the rental fees offered in bulk regardless of his or her intention to pay, there is a problem that the guarantee of customer choice is insufficient. However, it has the disadvantage that it can be a considerable burden when considering the entire contract period.

As a result, the conventional product rental service is made in such a way that the monthly rental fee is equally calculated according to the convenience of the seller (or rental company), so that the characteristics of the product, consumer needs, credit status or repayment after rental expiration There is a problem that rental requests and the like are not reflected.

Publication No. 10-2021-0012358

Therefore, an object of the present invention is to prevent impulsive purchases and to minimize non-performing loans due to high involvement choices, since service users can carefully select advance payments and intermediate rental fees in consideration of their solvency and intention. It is to provide a rental service system and a service method of non-equal payment method.

In addition, another object of the present invention is that the service user does not pay the monthly rental fee until the last month of rental or can use it at a minimum cost, so that the customer burden can be minimized and the contract maintenance rate can be maximized until the expiration date. It is an object of the present invention to provide a rental service system and a service method of a non-equal payment method that can prevent the occurrence of non-performing loans due to non-payment of rental fees.

In addition, another object of the present invention is to maximize the choice of service users because they can choose to pick up / return or re-rental the rental product during or at the end of the rental period, and can use it under favorable rental conditions through a reasonable choice It is to provide a rental service system and its service method of non-equal payment method.

According to the present invention, in a product rental service system, the rental service management unit receives rental service request information including customer information of a user who wants to use the rental service and product information about a selected product; Advance payment information on the advance payment to be initially paid according to the advance payment selection criteria set based on the rental service request information, intermediate rental fee information on the monthly rental fee to be paid every month during the period excluding the final month from the entire rental period, and rental fee A rental fee calculation unit for calculating a plurality of rental condition information including final rental fee information on a final rental fee to be paid in a final month obtained by subtracting an interim rental fee, which is the sum of the advance payment and the monthly rental fee, from the total amount, wherein the rental service management unit includes: , Accomplished by a rental service system with a non-equal payment method that provides the calculated rental condition information to the customer terminal, receives any one of the rental condition information selected from the customer terminal and stores it as contract rental condition information do.

Here, the rental service management unit receives any one or two or more of the entire rental period selectable from the customer terminal, payable advance payment information regarding the advance payment payable by the rental service user, or payable intermediate rental fee information, and responds thereto Thus, the rental fee calculation unit may calculate any one or a plurality of pieces of rental condition information that meets the criteria for selecting the advance payment.

Here, the advance payment selection criterion includes any one or both of customer credit rating information of the rental service user or product characteristic information on the selected product, and the rental fee calculation unit calculates that the advance payment is based on the advance payment selection criterion of the total rental fee. The rental condition information may be calculated to be included within the range of 5 to 25%.

On the other hand, in the intermediate rental fee information, the monthly rental fee is provided within 2% of the total rental fee, and the rental service management unit provides discount conditions for discounting the calculated monthly rental fee and intermediate rental fee discount information regarding the discount amount. It is included in the rental condition information and provided to the customer terminal so that the rental service user can make a selection.

Meanwhile, the rental service manager may include the intermediate rental fee discount information regarding the discount amount equal to the calculated monthly rental fee or within a set margin of error in the rental condition information and provide the customer terminal with the information.

Here, the rental service management unit calculates the residual value of the rental or expired product from the rental fee calculation unit when a re-rental service request is received from the customer terminal. and calculate a plurality of re-rental condition information corresponding to the rental condition information corresponding to the calculated residual value as the total re-rental fee, and calculate a plurality of re-rental condition information corresponding to the calculated residual value ) Rental condition information is provided to the customer terminal, and any one of the re-rental condition information selected from the customer terminal may be received and stored as sub-contract rental condition information.

On the other hand, the above object, according to an embodiment of the present invention, in the product rental service method, the rental service management unit receiving the rental service request information including customer information of the service user and product information about the selected product; and ; calculating, by a rental fee calculation unit, a plurality of pieces of advance payment information about an advance payment to be paid first according to an advance payment selection criterion set based on the rental service request information; providing, by the rental service manager, a plurality of pieces of advance payment information to a customer terminal, receiving and storing any one of the advance payment information selected from the customer terminal as contract advance payment information; The rental fee calculation unit based on the contract advance payment information, a plurality of intermediate rental fee information regarding the monthly rental fee to be paid every month during the period excluding the final month from the entire rental period, and corresponding to each of the intermediate rental fee information to be paid in the final month calculating final rental fee information regarding the final rental fee; The rental service management unit provides a plurality of the intermediate rental fee information and the final rental fee information corresponding thereto to the customer terminal, and receives any one of the intermediate rental fee information selected from the customer terminal and the final rental fee information corresponding thereto It is also achieved by a rental service method of non-equal payment method including; storing as contract rental condition information.

Here, the step of calculating a plurality of the advance payment information includes the range of the advance payment based on the customer credit rating information included in the customer information, the range of the advance payment based on the product characteristic information included in the product information, and the rental service Any one or two or more of the ranges of the user's payable advance payment included in the request information overlap, and a plurality of advance payments corresponding to the range of 5 to 25% of the total rental fee may include calculating the advance payment information .

Meanwhile, the step of calculating the intermediate rental charge information may include extracting intermediate rental charge discount information regarding a discount condition and a discount amount to receive a discount on each calculated intermediate rental charge; The method may further include providing, by the rental service management unit, the intermediate rental fee discount information to the customer terminal together with the intermediate rental fee information.

Meanwhile, the step of receiving, by the rental service management unit, a request for re-rental service related to a product being rented or expired from the customer terminal; calculating, by the rental fee calculation unit, a residual value of the product being rented or expired; calculating a plurality of re-rental condition information corresponding to the rental condition information including the advance payment information corresponding to the residual value calculated by the rental fee calculation unit as a total amount of the re-rental fee; providing, by the rental service management unit, the calculated plurality of information on re-rental conditions to the customer terminal; The rental service management unit may further include the step of receiving any one of the re-rental condition information selected from the customer terminal and storing it as re-contract rental condition information.

Therefore, according to the non-equal payment rental service system and service method according to the present invention, a service user can carefully select an advance payment and an intermediate rental fee in consideration of his or her ability to pay and intention, so that impulsive purchases can be prevented. It has the advantage of being able to minimize non-performing loans due to high involvement selection.

Therefore, in the non-equal payment rental service system and service method according to the present invention, the service user does not pay the monthly rental fee until the last month of rental or can use it at a minimum cost, so the customer burden can be minimized and expired It has the advantage of maximizing the contract retention rate until the end of the month and preventing the occurrence of non-performing loans due to non-payment of monthly rental fees.

Therefore, the non-equal payment rental service system and its service method according to the present invention can select pick-up/return or re-rental of the rental product during or at the end of the rental period, so the service user's options can be maximized, There is an advantage that can be used with favorable rental conditions through a reasonable choice.

1 is a configuration diagram of a non-equal payment rental service system according to an embodiment of the present invention;
2 and 3 are flowcharts of a non-equal payment rental service method according to various embodiments of the present invention;
Figure 4 is a rental fee comparison table of conventional equal and non-equal payment method rental services according to an embodiment of the present invention.

Advantages and features of the present invention and methods for achieving the same will become clear with reference to the embodiments described below in detail in conjunction with the accompanying drawings.

However, the embodiments to be described below are provided so that the technical spirit of the present invention can be clearly and completely understood, and the present invention is not limited to the presented embodiments and may be embodied in various other forms.

Terms used in this specification are only used to describe specific embodiments, and are not intended to limit the present invention.

That is, in this specification, singular expressions include plural expressions unless the context clearly indicates otherwise. In addition, the terms 'include' or 'has' in this specification are intended to designate that the features, numbers, steps, operations, components, parts, or combinations thereof described in the specification exist, but one or more other It is not intended to exclude the presence or possibility of addition of features, numbers, steps, operations, components, parts, or combinations thereof, and should be construed as not excluding such exclusions unless an exception is specified.

Terminology used herein is for describing the embodiments and is not intended to limit the present invention. Thus, when an element is referred to as being "connected" to another element, it may be directly connected to the other element, unless the expression is said to be "directly connected", but other elements intervening. It should be interpreted that the component may be present. In addition, the singular form in the specification also includes the plural form unless otherwise specified in the phrase.

Meanwhile, all terms (including technical and scientific terms) used basically have the same meaning as commonly understood by a person of ordinary skill in the field to which the present invention belongs, unless otherwise defined. However, since each term to be described later is defined in consideration of functions in an embodiment of the present invention, which may vary according to the intention or custom of a user or operator, a clear definition of the term is based on the contents throughout this specification. should be interpreted first.

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

First, referring to FIG. 1 , the non-equal payment rental service system 100 according to an embodiment of the present invention includes a rental service management unit 110 and a rental fee calculation unit 120 .

Here, non-uniformity means that the advance payment, the intermediate rental fee, and the final rental fee can be set differently, unlike conventionally dividing the total rental fee during the entire rental period and paying the monthly rental fee with the same amount.

The rental service management unit 110 is a customer terminal 200 or a marketing channel (a rental product seller, for example, a direct sales company, an online marketing channel, home shopping, etc.) or a credit information company 400, an affiliate discount company 500, etc. In relation to the rental service, it communicates with various external resources through wired and wireless networks, and performs various functions such as storing or managing information related to the rental service.

In this specification, the rental service management unit 110 and the rental fee calculation unit 120 are divided according to their functions, but all functions may be performed by one integrated management server, so the scope of the present invention is not limited thereto. .

Hereinafter, with reference to FIGS. 2 to 4 , the function of each component will be described according to service progress steps of the non-equal payment rental service system 100 according to an embodiment of the present invention.

The rental service management unit 110 receives rental service request information including customer information of a user who wants to use the rental service and product information about a selected product.

The rental service request information can be received through various routes, for example, through an online marketing channel directly operated by the rental service system 100 (rental company online homepage, etc.), access to the online marketing channel The rental service request information may be directly received from one customer terminal 200 .

Alternatively, when through various marketing channels 300 (eg, home shopping channels or portal channels such as Naver Store) that collaborate with the rental service system 100, the customer terminal 200 connected to a specific marketing channel 300 ) may receive the rental service request information provided by.

The rental service request information includes customer information of the user and product information about the selected product, and the customer information of the user may further include customer credit information of the user in addition to the user's personal information.

The customer credit rating information is for setting a standard for a minimum advance payment when selecting an advance payment, which will be described later. When the rental service management unit 110 directly receives the customer information from the customer terminal 200, the credit information company obtains the consent of the user. The customer credit rating information may be acquired by directly inquiring at (400). Alternatively, when the rental service management unit 110 receives the customer information through the marketing channel 300, the marketing channel 300 obtains the user's consent and searches the credit information company 400 for the customer credit information. It can also be obtained from channel 300. Alternatively, even in the latter case, only the customer information is delivered from the marketing channel 300, and the rental service management unit 110 provides the customer to the credit information company 400 through consent procedures such as personal authentication from the customer terminal 200. You can directly check credit information.

The rental fee calculation unit 120 calculates a plurality of rental condition information including advance payment information, intermediate rental fee information, and final rental fee information.

Here, the rental fee calculation unit 120 may calculate the advance payment information, the intermediate rental fee information, and the final rental fee information at once and provide them to the customer terminal 200 (see FIG. 2) or provide and determine the advance payment information, It is also possible to sequentially calculate and provide information such as providing and determining the intermediate rental fee. (See FIG. 3)

First, referring to FIG. 3 , the advance payment information includes information on an advance payment to be initially paid according to an advance payment selection criterion set based on the rental service request information.

The advance payment selection criterion may include, for example, any one or both of customer credit rating information of the rental service user or product characteristic information about the selected product.

As described above, the rental service management unit 110 may directly query a credit information company with the consent of the user, or the customer credit information already inquired in the marketing channel 300 (with the consent of the user), as described above. ) can be delivered.

Here, the rental fee calculation unit 120 may calculate the advance payment to be included within a certain range (eg, 5 to 25% range) of the total rental fee based on the selection criteria for the advance payment.

In this case, the customer credit rating information is a criterion for setting the minimum standard for the advance payment. For example, when the customer credit rating information is excellent, the minimum standard for the advance payment is set low, and conversely, when the customer credit rating information is not good. In this case, the minimum standard for the advance payment may be raised. This can be set automatically according to a set criterion.

Alternatively, as shown in FIG. 3, the rental service request information may be input in advance to the customer's payable advance payment (or range thereof) (S23), and the advance payment information based on the customer credit rating information and product characteristic information First, it is calculated and transmitted to the customer terminal 200, and correspondingly, the service user may select an advance payment payable and provide it to the service management unit 110.

Therefore, according to the non-equal payment rental service system according to the present invention, since the advance payment is determined by reflecting the customer's credit rating information and willingness to pay, impulse purchases can be prevented and the insolvency of rental receivables can be minimized. there is.

On the other hand, the product characteristic information is related to the characteristics of the product to be rented, and may include, for example, durability and whether to add various costs such as installation. In this case, if the durability of the product is high, the residual value for the same rental period is high, so the advance payment can be set low. can The degree of product characteristics can be digitized for each item (durability, etc.) so that when a product is selected, it is automatically reflected in the advance payment setting standard.

The rental service management unit 110 provides the customer terminal 200 with the advance payment range reflecting at least one of the customer credit rating information or product characteristic information according to the above-mentioned advance payment selection criteria or a plurality of advance payment information within the advance payment range (S24, S25 in FIG. 3)

The intermediate rental fee information includes information on the monthly rental fee to be paid every month during a period excluding the final month (hereinafter referred to as 'final month' for convenience) from the entire rental period.

The intermediate rental fee information includes information on the monthly rental fee to be paid by the service user every month, and the monthly rental fee may be provided within 2% of the total rental fee.

Meanwhile, the rental service management unit 110 may include discount conditions for discounting the calculated intermediate rental fee and intermediate rental fee discount information regarding the discount amount in the rental condition information and provide the customer terminal 200 with the information.

For example, the rental service management unit 110, from the affiliated discount company 500 (eg, card company, etc.), according to various discount conditions and discount amounts to enable a claim discount according to the use of an affiliated card. The intermediate rental rate discount information regarding the above may be stored in a database (not shown), and appropriate intermediate rental rate discount information may be extracted based on the customer information and the calculated monthly rental rate. Alternatively, in the intermediate rental fee information calculation step, the customer information may be used to inquire into an affiliated discount company to receive appropriate intermediate rental fee discount information.

Accordingly, the rental service user may select whether to use the intermediate rental charge discount information provided together with the intermediate rental charge information.

Here, the rental service management unit 110 includes the intermediate rental fee discount information regarding the discount amount equal to the calculated intermediate rental fee or within a set margin of error in the rental condition information, so that the service user can pay for the month until the last month. You can minimize or even not pay the rental fee.

4 is a table showing the advance payment, intermediate rental fee (monthly rental fee), and final monthly rental fee of the conventional equal payment rental service and the non-equal payment rental service according to an embodiment of the present invention in comparison for each period.

Referring to this, when the total rental fee is 360,000 won and the total rental period is 36 months, in the case of the conventional equal payment method, the monthly rental fee is paid for 36 months by 10,000 won, but in the case of the non-equal payment method according to the present invention, With a monthly rental fee of KRW 3,600 (assuming 1%), it can be confirmed that it can be used at a 60% lower cost compared to the equal method.

In addition, even if the comparison includes the advance payment, looking at the customer cumulative payment ratio (sum of rental payments from the total rental fee), in the case of a 5% advance payment, the total amount paid up to the 35th period (KRW 144,000) is equal to the 15th period (KRW 150,000) of the equal payment method. It can be confirmed that the burden on the service user is greatly reduced. (Others, in the case of 15% advance payment, the 35th period is the same as the 18th period of the equal payment method, and in the case of 25% advance payment, the 35th period is the same as the 22nd period of the equal payment method)

In addition, if the intermediate rental fee is discounted, the service user can use the rental service without monthly rental fee up to 35 times with only the advance payment, minimizing the burden rate.

Therefore, in the non-equal payment rental service system according to the present invention, since the service user does not pay the monthly rental fee until the last month of rental or can use it at a minimum cost, the customer burden can be minimized, and the contract maintenance rate until expiration It has the advantage of being able to maximize the monthly rental fee and preventing the occurrence of non-performing loans due to non-payment of monthly rental fees.

The final rental charge information includes the final rental charge to be paid as a lump sum in the final month, obtained by subtracting the intermediate rental charge, which is the sum of the advance payment and the monthly rental charge, from the total rental charge.

The final rental fee may be automatically calculated from the total rental fee when the advance payment and the intermediate rental fee are determined in consultation with the service user, and are determined approximately within a range of 40 to 60% of the total rental fee. Alternatively, the service user may select a ratio between the final rental fee and the advance payment.

On the other hand, as in FIG. 2, in the case of calculating the advance payment and the intermediate rental fee at the same time (S20), the entire rental period selectable from the customer terminal 200 and payable advance payment information about the advance payment payable by the service user or Any one or two or more of the payable intermediate rental fee information may be included in the rental service request information and provided first (S10 in FIG. 2).

In response to this, the rental fee calculation unit 120 may calculate any one or a plurality of rental condition information that meets the advance payment selection criteria (S20 in FIG. 2), and then the rental service management unit 110 calculates A plurality of the rental condition information is provided to the customer terminal 200 (S20a in FIG. 2), and any one of the rental condition information selected from the customer terminal 200 is received and stored as contract rental condition information. 2 S30).

The rental service management unit 110 may receive a request for re-rental service related to a product being rented or expired from the customer terminal 200 .

In this case, the rental service management unit 110 causes the rental fee calculation unit 120 to calculate the remaining amount for the product being rented or expired, and using the calculated residual value as the total amount of the re-rental fee A plurality of re-rental condition information corresponding to the rental condition information corresponding thereto is calculated.

Alternatively, in the rental fee calculation unit, the remaining intermediate rental fee, which is the sum of the monthly rental fees for the remaining rental period during the entire rental period, the final rental fee, and the residual value of the product being rented. Re-rental fee A plurality of re-rental condition information corresponding to the rental condition information may be calculated for the re-rental total amount as the total amount.

Thereafter, the rental service management unit 110 provides the calculated plurality of re-rental condition information to the customer terminal 200, and any one of the re-rental condition information selected from the customer terminal 200 It can be provided and stored as information on sub-contract rental conditions.

Alternatively, the service user may choose to pick up or return the rental product in addition to re-rental.

The process of calculating re-rental condition information, determining the service user, and storing the re-contract rental condition information is the same as the above-described steps, so description thereof will be omitted.

Therefore, since the rental service system 100 of the non-equal payment method according to the present invention can select pick-up/return or re-rental of the rental product during or at the end of the rental period, it is possible to maximize the choice of service users, and There is an advantage that can be used with favorable rental conditions through selection.

As described above, according to the non-equal payment rental service system according to the present invention, the service user can carefully select the advance payment and the intermediate rental fee in consideration of his or her ability to pay and intention, so impulse purchase can be prevented. It has the advantage of being able to minimize non-performing loans due to high involvement selection.

Hereinafter, with reference to FIGS. 2 and 3, a non-equal payment rental service method according to an embodiment of the present invention will be described.

First, referring to FIG. 3 , the rental service manager 110 receives rental service request information including customer information of a service user and product information about a selected product (S10).

Accordingly, the rental fee calculation unit 120 calculates a plurality of advance payment information regarding the advance payment to be paid first according to the advance payment selection criteria set based on the rental service request information.

Specifically, the step of calculating a plurality of the advance payment information includes the range of the advance payment based on the customer credit rating information included in the customer information (S21), the range of the advance payment based on the product characteristic information included in the product information, (S22), any one or two or more of the ranges of the user's payable advance payment included in the rental service request information (S23) overlap, and the plurality of advance payments corresponding to the range of 5 to 25% of the total rental fee It may include calculating with information.

Next, the rental service manager 110 provides a plurality of the advance payment information to the customer terminal 200 (S24), receives the selected one of the advance payment information from the customer terminal 200, and stores it as contract advance payment information ( S25, S26).

Then, based on the contract advance payment information, the rental fee calculation unit 120 calculates a plurality of intermediate rental fee information regarding the monthly rental fee to be paid every month for a period excluding the final month from the entire rental period, and payment in the final month corresponding to each of the intermediate rental fee information Final rental fee information on the final rental fee to be calculated (S27).

Here, the step of calculating the intermediate rental charge information includes extracting intermediate rental charge discount information regarding the discount condition and discount amount for which each calculated intermediate rental charge can be discounted, and the rental service management unit 110 calculates the intermediate rental charge discount A step of providing information to the customer terminal 200 together with the intermediate rental fee information may be further included.

Next, the rental service management unit 110 provides the plurality of intermediate rental fee information and the final rental fee information corresponding thereto to the customer terminal 200 (S28), and any one of the intermediate rental fee information selected from the customer terminal 200 And the final rental fee information corresponding thereto is received and stored as contract rental condition information (S29, S30).

Thereafter, the rental contract is executed according to the contract rental condition information (S40).

A re-rental method according to an embodiment of the present invention includes the steps of receiving, by a rental service management unit 110, a request for re-rental service related to a product being rented or expired from a customer terminal 200; calculating, by the rental fee calculation unit 120, a residual value of the product being rented or expired; Calculating a plurality of re-rental condition information corresponding to the rental condition information including the advance payment information corresponding to the residual value calculated by the rental fee calculation unit 120 as the total amount of the re-rental fee and; providing, by the rental service management unit 110, the calculated plurality of re-rental condition information to the customer terminal 200; The rental service manager 110 receives the selected one of the re-rental condition information from the customer terminal 200 and stores it as re-contract rental condition information.

Although the present invention has been described above with limited examples and drawings, the present invention is not limited thereto, and the technical spirit and claims of the present invention can be covered by those skilled in the art in the art to which the present invention belongs. Of course, various modifications and variations are possible within the equivalent range.

100: Non-equal payment rental service system
110: Rental service management department
120: rental fee calculation unit
200: customer terminal 300: marketing channel
400: credit information company 500: affiliate discount company

Claims (10)

In the product rental service system,
a rental service management unit that receives rental service request information including customer information of a user who wants to use the rental service and product information about a selected product;
Advance payment information on the advance payment to be initially paid according to the advance payment selection criteria set based on the rental service request information, intermediate rental fee information on the monthly rental fee to be paid every month during the period excluding the final month from the entire rental period, and rental fee A rental fee calculation unit for calculating a plurality of rental condition information including final rental fee information on the final rental fee to be paid in the final month obtained by subtracting the interim rental fee, which is the sum of the advance payment and the monthly rental fee, from the total amount,
The rental service management unit provides the calculated plurality of rental condition information to the customer terminal, receives information on any one of the rental conditions selected from the customer terminal, and stores it as contract rental condition information. service system. According to claim 1,
The rental service management unit receives any one or two or more of the entire rental period selectable from the customer terminal, payable advance payment information regarding the advance payment payable by the rental service user, or payable intermediate rental fee information, and in response thereto, the A rental service system of non-equal payment method that causes the rental fee calculator to calculate any one or a plurality of the rental condition information that meets the prepayment selection criteria. According to claim 1,
The advance payment selection criteria include any one or both of customer credit rating information of the rental service user or product characteristic information on the selected product, and the rental fee calculation unit calculates that the advance payment is 5 to 5 of the total rental fee based on the advance payment selection criteria. A non-equal payment rental service system for calculating the rental condition information to be included within a 25% range. According to claim 1,
In the intermediate rental fee information, the monthly rental fee is provided within 2% of the total rental fee,
The rental service management unit includes discount conditions for discounting the calculated monthly rental fee and intermediate rental discount information regarding the discount amount in the rental condition information and provides it to the customer terminal so that the rental service user can select Non-equal payment rental system. According to claim 4,
The rental service management unit includes the intermediate rental fee discount information regarding the discount amount equal to the calculated monthly rental fee or within a set error range in the rental condition information and provides the rental system to the customer terminal. According to claim 1,
When the rental service management unit receives a request for a re-rental service for a product being rented or expired from the customer terminal,
In the rental fee calculation unit, the residual value of the product being rented or expired is calculated, and the calculated residual value is used as the total amount of the re-rental fee, and a plurality of items corresponding to the rental condition information corresponding thereto再) to calculate rental condition information;
Providing the calculated plurality of re-rental condition information to the customer terminal, and receiving any one of the re-rental condition information selected from the customer terminal and storing it as re-contract rental condition information Non-equal payment rental service system. In the product rental service method,
receiving, by a rental service manager, rental service request information including customer information of a service user and product information about a selected product;
calculating, by a rental fee calculation unit, a plurality of pieces of advance payment information about an advance payment to be paid first according to an advance payment selection criterion set based on the rental service request information;
providing, by the rental service manager, a plurality of pieces of advance payment information to a customer terminal, receiving and storing any one of the advance payment information selected from the customer terminal as contract advance payment information;
The rental fee calculation unit based on the contract advance payment information, a plurality of intermediate rental fee information regarding the monthly rental fee to be paid every month during the period excluding the final month from the entire rental period, and corresponding to each of the intermediate rental fee information to be paid in the final month calculating final rental fee information regarding the final rental fee;
The rental service management unit provides a plurality of the intermediate rental fee information and the final rental fee information corresponding thereto to the customer terminal, and receives any one of the intermediate rental fee information selected from the customer terminal and the final rental fee information corresponding thereto A non-equal payment rental service method comprising the steps of storing contractual rental condition information. According to claim 7,
Calculating a plurality of the advance payment information,
Among the range of the advance payment based on the customer credit rating information included in the customer information, the range of the advance payment based on the product characteristic information included in the product information, and the range of the user's payable advance payment included in the rental service request information Any one or two or more overlapping, and calculating the advance payment information for a plurality of advance payments corresponding to within the range of 5 to 25% of the total rental fee. According to claim 7,
The step of calculating the intermediate rental fee information,
extracting intermediate rental charge discount information regarding discount conditions and discount amounts for which each calculated intermediate rental charge can be discounted;
and providing, by the rental service management unit, the intermediate rental fee discount information together with the intermediate rental fee information to the customer terminal. According to claim 7,
receiving, by the rental service management unit, a request for re-rental service related to a product being rented or expired from the customer terminal;
calculating, by the rental fee calculation unit, a residual value of the product being rented or expired;
calculating a plurality of re-rental condition information corresponding to the rental condition information including the advance payment information corresponding to the residual value calculated by the rental fee calculation unit as a total amount of the re-rental fee;
providing, by the rental service management unit, the calculated plurality of information on re-rental conditions to the customer terminal;
The rental service system of the non-equal payment method further comprising the step of receiving, by the rental service management unit, information on any one of the re-rental conditions selected from the customer terminal and storing it as re-contract rental condition information.

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