Zero down payment zero monthly installment payment automobile purchase method based on Internet of things
A technology of the Internet of Things and car buyers, applied in payment schemes/models, credit plans, marketing, etc., can solve problems such as unsatisfactory development of traditional auto finance business, second-lender companies cheating cars and loans, and difficult car valuations, etc., to achieve Alleviate inventory pressure, sluggish working capital, low threshold for car purchase, and reduce the effect of car loan leverage
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Embodiment 1
[0043] The specific steps for car buyers to participate in the zero down payment service are as follows:
[0044] 1. The customer submits a personal credit report, a personal credit information form for the past six months, and pays the service data fee to the car purchase service platform for credit review. If the review fails, part of the service data fee will be refunded. If the review is passed, go to step 2;
[0045] 2. The car purchase service platform conducts a preliminary review, issues a credit review result based on the qualifications of the car buyer, generates a car purchase plan suitable for the car buyer, and signs a service agreement with the car buyer.
[0046] Among them, the service agreement stipulates the amount of performance bond paid by the sharing object; determines the type of car purchased by the car buyer; the type of car includes the brand, model, color, and configuration of the car; the loan plan formulated by the bank or financial institution; tas...
Embodiment 2
[0059] In this embodiment, the specific steps for the car buyer to participate in the zero down payment service and the method for the car purchase service platform to obtain commissions are the same as those in Embodiment 1, and will not be repeated here. The difference lies in the specific method for the car buyer to enjoy the zero monthly payment service as a sharing object:
[0060] The car purchase service platform monitors the completion progress and time limit of the task content in the service agreement signed with the sharing object who has enjoyed the zero down payment service.
[0061] It should be noted that the monitoring period is one month. After the sharing object successfully shares the service link of zero down payment and zero monthly payment with the sharing object in the current month and completes the car purchase, the corresponding commission will be obtained, which can be used to offset the loan repayment amount of the current month. The calculation meth...
Embodiment 3
[0064] The present invention is based on the car purchase method of zero down payment and zero monthly payment based on the Internet of Things, builds a chain car supermarket on the basis of the car purchase service platform, uses big data to lock consumer groups, covers products related to the automobile industry, and can achieve car sales and after-sales Multi-party integration of service market, auto financial resources, and auto dealer resources.
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