WO2021071347A1 - System for providing comparative estimate for vehicle purchase - Google Patents

Abstract

The present invention relates to a system for providing a comparative estimate for vehicle purchase. In particular, the present invention comprises: a purchaser terminal for receiving an input of purchase vehicle information for searching for a vehicle to be purchased or estimate conditions for purchase methods and transmitting the same to a main server, and receiving and displaying comparative estimate result information according to the purchase vehicle information or the estimate conditions; a database including, in response to the purchase vehicle information, vehicle information including information related to a vehicle type, specifications, and a vehicle price of each vehicle, financial information related to purchase conditions for one or more of lump sum payment, installment, lease, or rental corresponding to each vehicle, and tax information corresponding to each vehicle; a comparative estimate extraction module for extracting, from the database, the vehicle information for any one or a plurality of vehicles matching the purchase vehicle information, the financial information of any one or a plurality of financial companies matching the estimate conditions for the matched vehicle, and the tax information; a comparative estimate conversion module for converting a plurality of comparative estimates extracted by the comparative estimate extraction module into estimate information for the same condition so as to enable comparison under the same condition; and the main server for transmitting, to the purchaser terminal, the estimate information for the same condition as the comparative estimate result information. Therefore, instead of simply listing a plurality of search results corresponding to search conditions, different purchase conditions can be compared under the same condition, thereby enabling a vehicle purchaser to select an optimal purchase condition.

Description

Vehicle purchase comparison estimate provision system

The present invention relates to a vehicle purchase system, and more particularly, rather than simply listing a plurality of search results corresponding to the search condition, different purchase conditions can be compared with each other under equal conditions, and the buyer can compare the comparison conditions. The present invention relates to a vehicle purchase comparison estimate providing system that can be freely selected, maximizes user convenience, and allows a vehicle purchaser to select an optimal purchase condition.

With the development of communication and network technology, the use of e-commerce using the Internet and wireless mobile communication is becoming more common, and according to this trend, information on new or used cars is provided, purchases and sales are made using wired and wireless networks and personal terminals. There are more and more Internet sites that relay.

In most of these sites providing vehicle purchase information, when a buyer accesses the site and enters information or purchase conditions for a vehicle to be traded, the results corresponding to the search conditions are extracted and simply listed and provided. Furthermore, it is difficult for a buyer to compare various purchasing conditions such as lump sum payment, installment payment, lease or rental, and thus it is difficult to select the optimal purchasing conditions.

Accordingly, an object of the present invention is not simply to simply list a plurality of search results corresponding to the search condition, but to compare different purchasing conditions under equal conditions, so that a vehicle buyer can select the optimum purchasing condition. It is to provide a system for providing comparative estimates for vehicle purchases.

In addition, another object of the present invention is that the purchaser can select and cancel each comparison item displayed on the purchaser terminal, so that not only can the price be compared under the same conditions under various comparison item conditions, but also discount conditions according to various vehicle sales structures. The goal is to provide a vehicle purchase comparison estimate providing system that can provide the best estimate result to vehicle buyers because the best conditions are selected by comparison and extracted as comparison estimate result information.

The above object is, according to an embodiment of the present invention, receiving one or more of the purchase vehicle information for the search for the vehicle to be purchased or the quotation conditions for the purchase method and transmits it to the main server, and the purchase vehicle information or the quotation A purchaser terminal receiving and displaying result information of comparison estimates according to conditions; Vehicle information including information on vehicle type, specifications, and vehicle price of each vehicle in response to the purchased vehicle information, and financial information on purchase conditions for one or more of lump sum payment, installment payment, lease, or rental corresponding to each vehicle. And, a database including detergent information corresponding to each vehicle; The vehicle information for any one or a plurality of the vehicles matched with the purchased vehicle information, and the financial information and the tax information for each of the matched vehicles for each of the financial companies and the taxation A comparison estimate extraction module extracted from the database; A comparison quote conversion module for converting a plurality of comparison quotes extracted by the comparison quote extraction module into quote information for the same condition so that comparison is possible under the same condition; It is achieved by a vehicle purchase comparison estimate providing system including; the main server transmitting the same condition estimate information as the comparison estimate result information to the purchaser terminal.

Here, the comparison estimate conversion module may include at least two of automobile tax, insurance premium, acquisition tax, or other expenses for the financial information and the tax information for each purchase condition corresponding to one or a plurality of matched vehicles. have.

The same condition estimate information, when the financial information is a lump sum payment, includes a vehicle tax, insurance premium, and vehicle price for the maintenance period corresponding to the contract period for the matched vehicle, and a total cost incurred by summing all of them, When the financial information is an installment payment, the matched vehicle includes a monthly payment fee, automobile tax, and insurance premium for the contract period, and an advance fee is optionally included, and when the financial information is a lease, the matched vehicle Includes monthly payment, automobile tax, and insurance premium for the contract period, and any or all of the advance payment or deposit is optionally included, and if the financial information is rental, the contract period for the matched vehicle Including the monthly payment during the period, and either or both of an advance fee or a deposit may be optionally included.

On the other hand, the main server provides any one or two or more of the comparison item information included in the same condition quote information to be selectable in the buyer terminal, and the comparison quote conversion module is the comparison item information selected in the buyer terminal. The same condition quotation information modified according to is generated, and the main server may transmit the modified same condition quotation information as the vehicle purchase quotation information to the purchaser terminal.

The financial information further includes information on a plurality of residual value rates provided by financial companies providing the financial information for each vehicle, and the comparison estimate conversion module calculates the plurality of residual value rates for any one of the vehicles. The monthly payment fee for the installment, lease, and rental may be calculated by substituting each, and the residual value rate corresponding to the minimum monthly payment fee may be selected as the maximum residual value rate.

The financial information further includes information on discount amounts provided by financial companies for each vehicle, and the comparison estimate conversion module uses the residual value rate for each vehicle information as a basic residual value rate and is modified according to the following method. It can be converted into a residual value rate and applied to the quote information on the same condition.

On the other hand, the comparison estimate extraction module, information on the final agency discount amount of at least one manufacturer sales agent or vehicle dealer, and at least one lease company or rental company in the financial information for the matched one or a plurality of the vehicles. When information on the final special discount amount of the included financial company is included, a larger one may be compared and extracted as the financial information corresponding to the vehicle information.

The comparison estimate extraction module includes at least one of the discount rate and the discount amount of the agency of at least one manufacturer sales agency or vehicle dealer in the financial information of the matched vehicle or the plurality of vehicles, and at least one lease company Alternatively, when one or more of a special discount rate or a special discount amount of a financial company including a rental company is included, the final agency discount amount and the final special sale discount amount may be determined according to the following method.

Final agency discount amount = vehicle price X agency discount rate + agency discount amount

Final Special Sale Discount Amount = Vehicle Price X Special Sale Discount + Special Sale Discount Amount

* On the other hand, the database includes a vehicle DB in which the vehicle information is separately stored, a financial DB in which the financial information is separately stored in correspondence with the vehicle information, and the taxation information is separately stored in correspondence with the vehicle information. Including the tax DB, vehicle information data provided by vehicle manufacturers or sales agencies, financial information data and tax information data provided by financial companies including leasing companies or rental companies are stored in the vehicle DB, financial DB, and tax DB. It may further include a DB automatic conversion module that automatically converts and separates and stores the vehicle information in response to the vehicle information.

For each vehicle information, the vehicle DB includes manufacturer, model, lineup, class, option, new car price, option price, vehicle type, used car, hybrid, rental car or disabled, electric car, individual consumption tax exemption, fuel , Year, release date, ridership capacity, actual displacement, transmission mechanism, amount after tax benefit, environmental improvement charge exemption, specification or fuel economy, and the financial DB includes individual consumption tax for each vehicle information. Including one or more of vehicle type classification, insurance, vehicle tax classification, engine displacement, fuel, residual value class, residual value rate, discount rate, discounted amount, maintenance category, insurance category, strategic vehicle type, or IRR (Internal Rate of Return). , The tax DB is, for each vehicle information, whether to apply regional employment registration tax, regional bond rate, urban railroad bond (bond) rate, regional development bond (bond) rate, vehicle tax, individual consumption tax, education tax, value-added tax or tax for each vehicle type. It may include one or more of the information.

The purchaser terminal is provided to be able to selectively input either or both of the purchased vehicle information or the quotation conditions, or to sequentially input the purchased vehicle information or the quotation conditions in response to the search result, and the In the case of quotation conditions, one or two or more of the vehicle price, monthly payment fee, or total cost at the time of vehicle acquisition for each financial information corresponding to one or more of lump sum payment, installment payment, lease or rental at the purchaser terminal can be entered as a search condition It can be made possible.

According to the vehicle purchase comparison estimate providing system according to the present invention, a plurality of search results corresponding to the search condition are not simply listed, but different purchase conditions can be compared with each other under equal conditions, so that the vehicle purchaser is optimally purchased. You can choose the conditions.

Furthermore, the purchaser can select and cancel each comparison item displayed on the purchaser terminal, so that the quotation can be compared under the same conditions even under various comparison item conditions.

In addition, since the vehicle purchase comparison estimate system according to an embodiment of the present invention first compares discount conditions according to various vehicle sales structures, selects the best conditions, and extracts the comparison estimate result information, the best estimate results can be provided to vehicle purchasers. have.

In addition, even within the same financial company, it is possible to collect and compare the best estimate results for each financial company by selecting the maximum residual value rate of that financial company to the residual value rate representing the lowest monthly payment by applying multiple residual value rates.

1 is a configuration diagram of a vehicle purchase comparison estimate providing system according to an embodiment of the present invention;

2 is an example of a purchaser terminal screen on which a comparison item is displayed according to an embodiment of the present invention;

3 is an example of a screen of a purchaser terminal on which comparison estimate result information is displayed according to another embodiment of the present invention.

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

Referring to FIG. 1, a vehicle purchase comparison estimate system 1 according to an embodiment of the present invention includes a purchaser terminal 10, a database 31, a comparison estimate extraction module 33, and a comparison estimate conversion module. It includes (35) and a main server (30).

First, each configuration will be described.

The purchaser terminal 10 receives the purchase vehicle information for searching for the vehicle to be purchased or the quotation conditions for the purchase method, and transmits it to the main server 30, and a comparison estimate result according to the purchase vehicle information or the quotation conditions Receive and display information.

The purchaser terminal 10 is a terminal owned by a purchaser who wants to purchase a vehicle. For example, as long as it is possible to access the main server 30 through a wired or wireless network such as a smart phone, a tablet PC, a laptop or a PC, various known Types of terminals can be used without limitation.

The purchased vehicle information refers to information on a vehicle that a purchaser wants to purchase and corresponds to vehicle information to be described later. The purchased vehicle information may include, for example, a manufacturer, type of vehicle, specifications, and vehicle price.

The above quotation conditions are related to a purchase method of purchasing a vehicle, and include, for example, a lump sum purchase, an installment purchase, a lease purchase, or a rental purchase, but are not limited thereto, and are provided in the present or in the future. It can include a variety of purchasing methods.

The quotation conditions may be provided so that detailed conditions can be searched for each of the above purchase methods.For example, in case of installment purchase, select an installment period or monthly payment, or in case of lease purchase, advance payment or deposit amount, lease contract period, A wall-lease table (monthly payment) may be additionally provided, and the total cost when acquiring a vehicle for lease or rental may be included (see Fig. 3).

Basically, the purchased vehicle information and the quotation conditions are provided to enable selective search corresponding to each item included in the vehicle information, financial information, and tax information stored in the database 31 of the main server 30 to be described later. The search items will be described later.

The purchaser terminal 10 may be provided to be able to selectively input either or both of the purchased vehicle information or the quotation conditions, or to sequentially input the purchased vehicle information or the quotation conditions in response to the search result. I can.

That is, the purchaser may search by entering only the purchased vehicle information or by entering only the quotation condition. In this case, the search result is displayed together with the quotation conditions corresponding to the inputted purchase vehicle information, and on the contrary, the vehicle information corresponding to the inputted quotation conditions is displayed together.

Alternatively, a re-search result may be requested by first inputting one of the purchased vehicle information or quotation conditions, and then additionally inputting the other one from the search result.

The main server 30 includes a database 31, a comparison estimate extraction module 33, a comparison estimate conversion module 35, and an automatic DB conversion module 35, and is connected to the purchaser terminal 10 through a wired/wireless network. The search request from the purchaser terminal 10 and the resultant result are extracted from each module and transmitted to the purchaser terminal 10.

Specific functions of the main server 30 will be described in each item.

The database 31 includes vehicle information for each vehicle that can be specified, and financial information and tax information corresponding to the vehicle information.

The vehicle information includes information on vehicle types, specifications, and vehicle prices of each vehicle corresponding to the purchased vehicle information.

The financial information includes information on purchase conditions for one or more of a lump sum payment, installment payment, lease, or rental corresponding to each vehicle.

The tax information includes information on employment registration tax, automobile tax, public loan, etc. corresponding to each vehicle.

Specific examples of each vehicle information, financial information, and tax information are as follows.

Examples of vehicle information, financial information and tax information

Vehicle DB	Financial DB	Detergent DB
Manufacturer Model Lineup Class Option New car price Option price Vehicle type Hybrid or not Rent-a-car or handicapped vehicle Whether individual consumption tax is exempted Whether used car is used Fuel Year of release Date of release Ride capacity Room amount Transmission Classification Amount after tax benefit Height) Fuel economy gross weight	Individual Consumption Tax Vehicle Type Insurance Automobile Tax Vehicle Type Classification Fuel Residual Value Rating Residual Value Rate Discount Rate Discounted Amount Maintenance Category Insurance Category Strategy Vehicle Type IRR Rate Addition or subtraction of residual value by travel distance	Employment registration tax by region Public bond rate by region Urban railroad bond (bond) rate Regional development bond (bond) rate Automobile tax by vehicle type Individual consumption tax Education tax Whether to apply tax by vehicle type

The database 31 may separately store the vehicle information, financial information, and tax information in the vehicle DB 311, the financial DB 313, and the tax DB 315.

To this end, vehicle information data provided by vehicle manufacturers or sales agents, financial information data and tax information data provided by financial companies including leasing companies or rental companies are included in the vehicle DB 311, financial DB 313, and tax DB. In 315, it may further include a DB automatic conversion module 35 for automatically converting and separately storing the vehicle information corresponding to the vehicle information.

Referring to Figure 1, the main server 30 is a vehicle manufacturer server, a vehicle dealer server (including a used car dealer), a financial company server (including installment companies, rental companies, lease companies, etc.) or the vehicle information data from the insurance company servers, finance Information data or tax information data may be provided. Alternatively, basic data disclosed by each of the external servers 50 (here, the external server 50 refers to the various servers shown in the drawing, and does not mean a single server in which these servers are interlocked) Data can be collected in various ways, and a logic for converting the basic data format into the format of the database 31 is generated through the DB automatic conversion module 35, and automatically converted when the same basic data format is input in the future. It can be classified and stored in each DB.

Here, it is preferable that the vehicle DB 311, the financial DB 313, and the tax DB 315 are updated regularly or in real time, or updated when basic data is updated to maintain the latest state.

Meanwhile, the vehicle information, the financial information, and the tax information are linked to each other, so when any one vehicle is matched according to the search condition (vehicle search) of the purchaser terminal 10, the vehicle corresponding thereto Information, financial information, and tax information are extracted together, and on the contrary, any one of the above financial conditions (for example, installment or lease) is matched according to other search conditions (purchase method or tax type) of the purchaser terminal 10. In this case, the vehicle information and the tax information corresponding thereto are provided to be extracted together.

The comparison estimate extraction module 33 includes the vehicle information for any one or a plurality of vehicles matched with the purchased vehicle information, and any one or a plurality of financial companies matching the quote conditions for each matched vehicle. The financial information and the tax information are extracted from the database 31.

One or a plurality of vehicles matched with the purchased vehicle information may be extracted, and a plurality of financial information regarding a purchase method (estimate information) matched for each of the extracted plurality of vehicles may be provided again. (See Fig. 3)

On the other hand, the comparison estimate extraction module 33 provides information on the discounted amount of the final agency of one or more manufacturers sales representatives or vehicle dealers, and one or more lease companies or rental companies in the matched financial information for any one or a plurality of the vehicles. When information on the final special discount amount of the included financial company is included, a larger one may be compared and extracted as the financial information corresponding to the vehicle information.

To explain this more, there are agency sales structure and special sales structure in relation to the car sales structure. In the agency sales structure, the vehicle manufacturer presents discount conditions and sales fees for a specific vehicle to each agency (sales office) or dealer. , The salesperson of the relevant agency adds the financial conditions of the financial company (financial estimate, financial fee) and presents the vehicle estimate to the customer.The special sales structure is that the vehicle manufacturer directly finances the special sales condition without the above sales fee to the financial company. It refers to a structure in which a financial company salesperson presents a vehicle's estimate reflecting it differentially according to the company's performance, etc. to the customer.

Therefore, in many cases, unlike the agency sales structure, the special sales structure does not include vehicle sales fees, so it is cheaper, but the special sales conditions are applied differentially for each financial company, so in some cases, the agency sales structure may be cheaper.

Accordingly, the vehicle purchase comparison quotation system according to an embodiment of the present invention first compares discount conditions according to various vehicle sales structures, selects the best conditions, and extracts the comparison quotation result information, so that the best quotation results can be provided to vehicle purchasers. There is an advantage that there is.

On the other hand, depending on the agency or financial company, the final agency discount amount or the final special sale discount amount is not provided. Instead, one or two of the agency discount rate or agency discount amount is presented, or either or two of the special sale discount rate or the special sale discount amount. May be presented.

Accordingly, the vehicle purchase comparison estimate providing system 1 according to an embodiment of the present invention enables the comparison estimate extraction module 33 to extract the same final discount amount even when the provided discount information does not match.

Specifically, the comparison estimate extraction module 33 includes information on one or more of the discount rate and the discount amount of the agency of at least one manufacturer sales agency or vehicle dealer in the financial information of the matched one or a plurality of the vehicles. Is included, and when one or more of the special discount rate or the special discount amount of a financial company including one or more lease companies or rental companies is included, the final agency discount amount and the final special sale discount amount may be determined according to the following method. have.

(Final Agency Discount Amount = Vehicle Price X Agency Discount Rate + Agency Discount Amount)

(Final Special Sale Discount Amount = Vehicle Price X Special Sale Discount + Special Sale Discount Amount)

For example, when there is only information on the agency discount rate in the financial information for the matched vehicle, the comparison estimate extraction module 33 multiplies the agency discount rate stored in the vehicle price and sets the agency discount amount to 0, so that the final agency discount amount is calculated. Extract. Conversely, when only the agency discount amount is stored in the financial information for the matched vehicle, the comparison estimate extraction module 33 extracts the final agency discount amount by reflecting the stored agency discount amount by multiplying the vehicle price with the agency discount rate as 1.

Accordingly, the comparison estimate extraction module 33 may extract and compare the final agency discount amount even when only one of the agency discount amount or agency discount rate information is stored.

The comparison estimate conversion module 35 converts each of the plurality of comparison estimates extracted by the comparison estimate extraction module 33 into the same condition estimate information to enable comparison under the same condition.

That is, the vehicle purchase comparison estimate providing system 1 according to the present invention does not simply list a plurality of search results corresponding to the search condition, but allows the vehicle purchaser to compare different purchase conditions under equal conditions. Allows you to select the optimal purchasing conditions.

Explaining this in detail, it is very difficult for a buyer to decide which financial product is best to select because the displayed items differ from each other due to the characteristics of each financial product.

In other words, in the case of a lump sum purchase, it is impossible to compare it with other financial products (installation, lease or rental) only with the payment, and automobile tax and insurance premiums incurred after purchase are not included in the estimate result.In the case of an installment purchase, the installment period selected by the purchaser ( During the contract period), the installment fee can be expressed as a monthly payment, but auto tax and insurance premiums are not included in the estimate result.

In addition, in the case of lease purchase, the lease fee can be expressed as a monthly payment during the lease period (contract period) selected by the purchaser, but insurance premiums are not included in the quote result, and in the case of rental purchase, during the rental period (contract period) selected by the purchaser. Rent can be expressed as a monthly payment, but it includes both auto tax and insurance premiums.

Accordingly, the comparison estimate conversion module 35 includes at least two of automobile tax, insurance premium, acquisition tax, or other expenses for the financial information and tax information for each purchase condition corresponding to one or a plurality of matched vehicles. The comparison item information is commonly extracted and calculated from the database 31 so that different financial products can be compared under the same conditions.

Here, the comparison item information may be provided in various ways, and as shown in FIG. 2, it may be provided in three of automobile tax, insurance premium, and acquisition tax, or other expenses such as bonds, registration fees, and consignment fees. , VAT, etc. may be additionally included.

Accordingly, the same condition estimate information may be provided, for example, as follows.

For example, when the financial information is a lump sum payment, the vehicle tax, insurance premium, and vehicle price for the maintenance period corresponding to the contract period for each matched vehicle may be included, and a total occurrence of all of them. That is, in the case of a lump sum purchase, insurance premiums and car tax are not included, so the maintenance period is assumed the same as the contract period of other purchased products (installation, lease or rental), and the estimated automobile tax and the estimated insurance premium required during the maintenance period are stored in the database (31 ) By extracting or calculating it.

Alternatively, when the financial information is an installment payment, it may include the advance fee for the matched vehicle, a monthly payment fee during the contract period, automobile tax, and insurance premium. That is, in the case of an installment purchase, the vehicle tax and insurance premium must be separately borne by the purchaser, and thus the estimated vehicle tax and the estimated insurance premium are extracted or calculated from the database 31 during the contract period. Here, the advance payment item may or may not include this.

Alternatively, when the financial information is a lease, it may include the advance payment or deposit for the matched vehicle, a monthly payment fee during the contract period, automobile tax, and insurance premium. This is the same as an installment purchase. Here, the advance payment or deposit may include any one or all, or may not include all.

Meanwhile, when the financial information is a rental, it may include the advance payment or deposit for the matched vehicle, and a monthly payment fee during the contract period. Here, the advance payment or deposit may include any one or all, or may not include all.

Thus, as shown in Fig. 2, when comparing the respective financial information, when comparing each of the above financial information, insurance premiums and automobiles during the contract period, such as rental purchases, Since the tax is included and displayed, it is possible to compare the total cost incurred during the contract period under the same conditions.

On the other hand, the main server 30 provides any one or two or more of the comparison item information included in the same condition quote information in a selectable manner in the purchaser terminal 10, and accordingly, the comparison quote conversion module 35 When the same condition quotation information modified according to the comparison item information selected by the purchaser terminal 10 is generated, the main server 30 uses the modified quotation information for the same condition as the vehicle purchase quotation information, and the purchaser terminal 10 ) To retransmit.

That is, in FIG. 2, the purchaser may compare quotes under the same conditions under various comparison item conditions by selecting or canceling the check box displayed in front of each comparison item (automobile tax, acquisition tax, insurance premium) displayed on the purchaser terminal 10.

For example, a buyer can opt-out of automobile tax and insurance premiums in order to compare lump sum payments with other financial conditions, and in this case, modified comparison estimate result information is generated by subtracting automobile tax and insurance premiums from each financial condition. Here, in the case of rental purchase, the comparison estimate conversion module 35 may display the estimated insurance premium and vehicle tax during the contract period by subtracting it from the monthly payment fee.

It goes without saying that the comparison item information described above may be changed and provided in various types and numbers in addition to the above-described embodiments.

Meanwhile, in each of the above embodiments, the financial information may include information on a plurality of residual value rates (%) provided by financial companies providing the financial information for each vehicle.

Accordingly, the comparison estimate conversion module 35 calculates the monthly payment fee for the installment, lease, and rental by substituting the plurality of residual value rates for any one vehicle, and the The residual value rate can be selected as the maximum residual value rate.

In other words, the residual value for each vehicle is applied differently by financial company and vehicle, and the monthly payment fee tends to be cheaper as the residual value is set higher, but the financial company's estimate that guarantees the highest maximum residual value is necessarily the cheapest. It is not. For example, an estimate of a 55% residual value of financial company A may be higher than that of a 50% residual value of financial company B.

Therefore, since it is meaningless to unconditionally select a high residual value and calculate an estimate, the residual value rate representing the lowest monthly payment by applying multiple residual value rates within the same financial company is the best for each financial company by selecting the maximum residual value rate for that financial company. It is possible to collect and compare the estimate results.

Here, the comparison estimate conversion module 35 may provide the maximum residual value rate for each financial company to the purchaser terminal 10 for each matched vehicle, or the lowest monthly payment fee among the plurality of maximum residual value rates. Only one piece of financial information may be extracted and provided to the purchaser terminal 10. Of course, when a plurality of the maximum residual value rates are provided, they may be provided in a predetermined order according to the monthly payment.

Here, the purchaser may select one of the plurality of residual value rates through the purchaser terminal 10 or provide the maximum residual value rate for each financial company to be automatically selected.

Meanwhile, when the vehicle purchase comparison estimate providing system according to the present invention additionally provides information on a discount amount in addition to the residual value rate for each financial company, it can be reflected and converted into a modified residual value rate.

For example, financial companies may have different targets for multiplying various rates.For example, financial company A multiplies the residual value rate by the vehicle price, whereas financial company B multiplies the residual value rate by the'car price-discounted amount'. Even so, if the discount is large, there is a problem that the difference in the residual value increases, which in turn makes it difficult to compare the same conditions.

To prevent this, the comparison estimate conversion module 35 according to the present invention can convert the residual value rate for each vehicle as a basic residual value rate and convert it into a corrected residual value rate according to the following method and apply it to the quote information on the same condition. have.

<Equation 1>

For example, when some financial companies do not provide discounted amounts, the corrected residual value rate is the same as the basic residual value rate according to the above formula.

On the other hand, in relation to the above, when the information on the advance payment rate, deposit rate, operating commission rate, or residual value rate is included in the financial information, the method of calculating this is different for each financial company, and the final result is different. Method can be used.

Here, A rate (%) = advance payment rate, deposit rate, operating commission rate, residual value rate

A = Advance payment, deposit, operating fee, residual value

B = Vehicle price, vehicle price-discount, tax invoice price, acquisition cost, or duty-free price

Here, A ratio (%) and A are respectively corresponding values, but B may be selectively used.

That is, if the advance fee rate is used as an example, the advance fee rate (A rate) is the advance fee (A), but B may be the vehicle price for each financial company, the vehicle price-discount, or the tax invoice, or the acquisition cost or It can also be tax-free.

Therefore, if all the calculation methods are different for each financial company, a difference occurs in the final financial information value, so in the present invention, the conversion is based on the'vehicle price'.

Furthermore, in the case of advance payment, if the purchaser directly inputs the advance payment, the advance payment is entered as a search condition, but when the advance payment rate is selected and entered (for example, 20%, etc.), the vehicle price of the matched vehicle is input. Here, B is a value used for calculating the advance fee of the matched vehicle (for example, either the vehicle price, acquisition cost, or duty-free price), and the advance fee is extracted as a result value.

On the other hand, the main server 30 transmits the same condition estimate information as the comparison estimate result information to the purchaser terminal 10.

The embodiments of the present invention described above are presented by selecting some embodiments to aid the understanding of a person skilled in the art from among various possible embodiments, and the technical idea of the present invention is not necessarily limited or limited to the above-described embodiments. It goes without saying that it can be implemented with various changes within the scope not departing from the technical idea of the present invention.

[Explanation of code]

1: Vehicle purchase comparison estimate provision system

10: buyer terminal

30: main server

31: database 311: vehicle DB

313: Finance DB 315: Tax DB

33: comparison estimate extraction module 35: comparison estimate conversion module

50: external server

According to the vehicle purchase comparison estimate providing system according to the present invention, a plurality of search results corresponding to the search condition are not simply listed, but different purchase conditions can be compared with each other under equal conditions, so that the vehicle purchaser is optimally purchased. You can choose the conditions.

Furthermore, the purchaser can select and cancel each comparison item displayed on the purchaser terminal, so that the quotation can be compared under the same conditions even under various comparison item conditions.

In addition, since the vehicle purchase comparison estimate system according to an embodiment of the present invention first compares discount conditions according to various vehicle sales structures, selects the best conditions, and extracts the comparison estimate result information, the best estimate results can be provided to vehicle purchasers. have.

In addition, even within the same financial company, it is possible to collect and compare the best estimate results for each financial company by selecting the maximum residual value rate of that financial company to the residual value rate representing the lowest monthly payment by applying multiple residual value rates.

Claims (11)

1. A buyer who receives one or more of the purchase vehicle information for searching for the vehicle to be purchased or the quotation conditions for the purchase method and transmits it to the main server, and receives and displays the purchase vehicle information or the comparison estimate result information according to the quotation conditions. A terminal;

   Vehicle information including information on vehicle type, specifications, and vehicle price of each vehicle in response to the purchased vehicle information, and financial information on purchase conditions for one or more of lump sum payment, installment payment, lease, or rental corresponding to each vehicle. And a database including detergent information corresponding to each vehicle;

   The vehicle information for any one or a plurality of the vehicles matched with the purchased vehicle information, and the financial information and the tax information for each of the matched vehicles for each of the financial companies and the taxation A comparison estimate extraction module extracted from the database;

   A comparison quote conversion module for converting a plurality of comparison quotes extracted by the comparison quote extraction module into quote information for the same condition so that comparison is possible under the same condition;

   The vehicle purchase comparison estimate providing system comprising; the main server for transmitting the same condition estimate information as the comparison estimate result information to the purchaser terminal.
2. The method of claim 1,

   The comparison estimate conversion module includes comparison item information including two or more of automobile tax, insurance premium, acquisition tax, or other expenses for the financial information and the tax information according to purchase conditions corresponding to one or a plurality of matched vehicles. A vehicle purchase comparison estimate providing system for generating by extracting and calculating from the database.
3. The method of claim 2,

   The above quote information on the same conditions,

   In case the financial information is a lump sum payment, the vehicle tax, insurance premium, and vehicle price for the maintenance period corresponding to the contract period for the matched vehicle, and the total cost incurred by adding them together,

   If the financial information is an installment payment, the monthly payment fee for the matched vehicle during the contract period, automobile tax and insurance premium are included, and the advance fee is optionally included,

   When the financial information is a lease, monthly payment for the matched vehicle during the contract period, automobile tax, and insurance premium are included, and either or all of an advance fee or a deposit is optionally included,

   When the financial information is a rental, a vehicle purchase comparison estimate providing system that includes a monthly payment fee for the matched vehicle during the contract period, and any one or both of an advance fee or a deposit is optionally included.
4. The method according to claim 2 or 3,

   The main server provides any one or two or more of the comparison item information included in the same condition estimate information to be selectable in the purchaser terminal,

   The comparison quote conversion module generates the same condition quote information modified according to the comparison item information selected in the purchaser terminal,

   The main server is a vehicle purchase comparison estimate providing system for transmitting the modified quotation information on the same condition as the vehicle purchase quotation information to the purchaser terminal.
5. The method according to any one of claims 1 to 3,

   The financial information further includes information on a plurality of residual value rates provided by financial companies providing the financial information for each vehicle,

   The comparison estimate conversion module calculates the monthly payment fee for the installment, lease, and rental by substituting the plurality of residual value rates for any one vehicle, and maximizes the residual value rate corresponding to the minimum monthly payment fee. A system that provides comparative estimates for vehicle purchases selected by the residual value rate.
6. The method of claim 5,

   The financial information further includes information on a discount amount provided by a financial company for each vehicle,

   The comparison estimate conversion module uses the residual value rate for each vehicle information as a basic residual value rate, converts it into a corrected residual value rate according to the following method, and applies it to the estimate information on the same condition.

   
7. The method of claim 1,

   The comparison estimate extraction module includes information on the final agency discount amount of one or more manufacturers sales agencies or vehicle dealers in the financial information for any one or a plurality of matched vehicles, and one or more lease companies or rental companies. A vehicle purchase comparison estimate providing system for extracting the financial information corresponding to the vehicle information by comparing the information on the final special discount amount of a financial company as a final discount amount by comparing it.
8. The method of claim 7,

   The comparison estimate extraction module includes at least one of the discount rate and the discount amount of the agency of at least one manufacturer sales agency or vehicle dealer in the financial information for the matched vehicle, and at least one lessor Or, when one or more of the special discount rate or the special discount amount of a financial company including a rental company is included, the final agency discount amount and the final special sale discount amount are determined according to the following method.

   Final agency discount amount = vehicle price X agency discount rate + agency discount amount

   Final Special Sale Discount Amount = Vehicle Price X Special Sale Discount + Special Sale Discount Amount
9. The method of claim 1,

   The database includes a vehicle DB in which the vehicle information is separately stored, a financial DB in which the financial information is separately stored in correspondence with the vehicle information, and a taxation DB in which the taxation information is separately stored in correspondence with the vehicle information. Including,

   Vehicle information data provided by vehicle manufacturers or sales agencies, financial information data and tax information data provided by financial companies including leasing companies or rental companies are automatically transferred to the vehicle DB, financial DB, and tax DB in response to each vehicle information. A vehicle purchase comparison estimate providing system further comprising a DB automatic conversion module that converts and stores separately.
10. The method of claim 9,

    For each vehicle information, the vehicle DB includes manufacturer, model, lineup, class, option, new car price, option price, vehicle type, used car, hybrid, rental car or disabled, electric car, individual consumption tax exemption, fuel , Year, release date, ride capacity, actual displacement, transmission mechanism, amount after tax benefit, environmental improvement charge exemption, specification, or fuel economy,

    The financial DB, for each vehicle information, includes individual consumption tax vehicle classification, insurance, vehicle tax vehicle classification, engine displacement, fuel, residual value class, residual value rate, discount rate, discount amount, maintenance category, insurance category, strategic vehicle type or IRR. Contains one or more information of (Internal Rate of Return),

    The tax DB includes whether to apply regional employment registration tax, regional bond rate, urban railroad bond (bond) rate, regional development bond (bond) rate, vehicle tax, individual consumption tax, education tax, additional tax, or tax for each vehicle type for each vehicle information. Vehicle purchase comparison estimate providing system including one or more information.
11. The method of claim 1,

    The purchaser terminal is provided to be able to selectively input either or both of the purchased vehicle information or the quotation conditions, or to sequentially input the purchased vehicle information or the quotation conditions in response to the search result,

    In the case of the above quote condition, one or two or more of the vehicle price, monthly payment fee, or total cost at the time of vehicle acquisition for each financial information corresponding to one or more of lump sum payment, installment payment, lease, or rental at the buyer terminal A vehicle purchase comparison estimate providing system that enables this.

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