Information processing apparatus

Abstract

The invention provides an information processing apparatus. Provided is an information processing apparatus, the control unit receives input of information including a residual value of a first vehicle at a first time, a residual value of the first vehicle at a second time, a predetermined fee, a debit balance of the first vehicle at the first time, a debit balance of the first vehicle at the second time, a monthly insurance premium of the first vehicle, and a vehicle type of the second vehicle. On the basis of the received information, the control unit calculates a first payment amount when a replacement from the first vehicle to the second vehicle is assumed at the first time, and a second payment amount when a replacement from the first vehicle to the second vehicle is assumed at the second time. The control unit outputs information for comparing the first payment amount and the second payment amount.

Description

Technical Field

[0001] The present invention relates to an information processing device. Background Art

[0002] A technique for promoting sales of vehicles is known (for example, refer to Japanese Patent Application Laid-Open No. 2005-227977). Summary of the invention

[0003] An object of the present disclosure is to provide a technique that is effective in promoting replacement of a user's vehicle.

[0004] One of the aspects of the present disclosure is an information processing device. The information processing device in this case, for example, includes a control unit, which is configured to perform the following processing, namely: accepting input of information including the residual value of a first vehicle currently being used by a user at a first moment, the residual value of the first vehicle at a second moment in the future compared to the first moment, the predetermined fee that will be incurred if the first vehicle is assumed to be continuously used from the first moment to the second moment, the loan balance of the first vehicle at the first moment, the loan balance of the first vehicle at the second moment, the monthly insurance premium of the first vehicle, and the model of the second vehicle that the user wishes to replace; calculating a first payment amount in the case of replacing the first vehicle with the second vehicle at the first moment and a second payment amount in the case of replacing the first vehicle with the second vehicle at the second moment based on the acceptance of the input; and outputting information comparing the first payment amount and the second payment amount.

[0005] The present disclosure can also be understood as an information processing method for executing the processing of the above-mentioned information processing apparatus by a computer. In addition, the present disclosure can also be understood as an information processing program for causing a computer to execute the above-mentioned information processing method or a non-transitory storage medium storing the information processing program.

[0006] According to the present disclosure, it is possible to provide a technique that is effective in promoting replacement of a user's vehicle. BRIEF DESCRIPTION OF THE DRAWINGS

[0007] Features, advantages, and technical and industrial significance of exemplary embodiments of the present invention will be described below with reference to the accompanying drawings, in which like symbols represent like elements, and in which:

[0008] Figure 1 It is a block diagram schematically showing a configuration example of a system in an embodiment.

[0009] Figure 2 A diagram showing a first example of a technical support Web page.

[0010] Figure 3 A diagram showing a second example of a technical support Web page.

[0011] Figure 4 It is a flowchart showing the flow of processing executed by the server in the embodiment. DETAILED DESCRIPTION

[0012] In the vehicle sales service or rental service, there is a method in which the user trades in the vehicle currently in use (first vehicle) and purchases or leases another vehicle (second vehicle), which is called replacement. However, the trade-in price of the first vehicle tends to decrease over time. Therefore, when the user uses the first vehicle in installments, the loan balance will be larger than the trade-in price of the first vehicle depending on the time of replacement. In such a case, the user needs to pay the loan balance of the first vehicle in addition to the payment amount of the second vehicle. Therefore, a means is needed to stimulate the user's desire for replacement when the trade-in price of the first vehicle exceeds the loan balance.

[0013] Therefore, in the information processing device involved in the present disclosure, the control unit accepts input of information including the residual value of the first vehicle currently being used by the user at a first moment, the residual value of the first vehicle at a second moment in the future compared to the first moment, the estimated fee that will be incurred if the first vehicle is continuously used from the first moment to the second moment, the loan balance of the first vehicle at the first moment, the loan balance of the first vehicle at the second moment, the monthly insurance premium of the first vehicle, and the model of the second vehicle that the user wishes to replace. At this time, the control unit may also input a user interface screen including an input field for the residual value of the first vehicle at the first moment, an input field for the residual value of the first vehicle at the second moment, an input field for the estimated fee, an input field for the loan balance of the first vehicle at the first moment, an input field for the loan balance of the first vehicle at the second moment, an input field for the monthly insurance premium of the first vehicle, and an input field for the model of the second vehicle.

[0014] Here, the first moment is the moment when the trade-in price of the first vehicle exceeds the loan balance of the first vehicle. As an example, the first moment may also be the time when the user comes to the predetermined location during the period when the trade-in price of the first vehicle exceeds the loan balance of the first vehicle. The predetermined location is, for example, a store of an operator that provides vehicle sales services and / or rental services (for example, a car dealer, etc.) or a repair shop operated by an operator who receives a commission from the operator. In addition, the second moment is a moment in the future compared to the first moment, and is a moment when it is easy for the user to study replacement (for example, the moment of the statutory vehicle inspection or vehicle inspection of the first vehicle, etc.).

[0015] When receiving the input of the above information, the control unit calculates a first payment amount and a second payment amount. The first payment amount is the payment amount of the user assuming that the first vehicle is replaced with the second vehicle at the first time. The second payment amount is the payment amount of the user assuming that the first vehicle is replaced with the second vehicle at the second time.

[0016] As an example, the first payment amount may be calculated according to the following steps.

[0017] (1) calculating a first amount by multiplying the number of months from the first time point to the second time point by the monthly insurance premium of the first vehicle;

[0018] (2) calculating a second amount by adding the first amount and a predetermined fee to the residual value of the first vehicle at the first time;

[0019] (3) subtracting the loan balance of the first vehicle at the first time from the second amount, thereby calculating a third amount;

[0020] (4) Subtracting the third amount from the payment amount associated with the second vehicle to calculate the first payment amount.

[0021] In addition, as an example, the second payment amount can be calculated according to the following steps.

[0022] (5) calculating a fourth amount by subtracting the loan balance of the first vehicle at the second time from the residual value of the first vehicle at the second time;

[0023] (6) Subtracting the fourth amount from the payment amount associated with the second vehicle to calculate the second payment amount.

[0024] Here, the predetermined fees include, for example, the costs of maintenance (for example, statutory vehicle inspection and / or vehicle inspection and repair, etc.) that the first vehicle needs to undergo during the period from the first moment to the second moment, and taxes levied on the first vehicle during the period from the first moment to the second moment.

[0025] In addition, in the calculation of the first payment amount and the second payment amount, the first amount and the predetermined fee may be used in the calculation of the second payment amount instead of being used in the calculation of the first payment amount. In this case, the amount obtained by subtracting the loan balance of the first vehicle at the first time from the residual value of the first vehicle at the first time is set as the third amount (in this case, the calculation of the second amount is not necessary). Along with this, the amount obtained by subtracting the loan balance of the first vehicle at the second time and the predetermined fee from the residual value of the first vehicle at the second time is set as the fourth amount.

[0026] When the first payment amount and the second payment amount are calculated according to the above steps, the control unit outputs information comparing the calculated first payment amount and the second payment amount. Here, in the case where the information processing device involved in the present disclosure is a terminal used by an operator who provides vehicle sales services and / or rental services, the process of outputting information comparing the first payment amount and the second payment amount may also include the following process, namely: outputting a user interface screen containing information comparing the first payment amount and the second payment amount. In addition, in the case where the information processing device involved in the present disclosure is a web server connected to the terminal of the above-mentioned operator through a network, the process of outputting information comparing the first payment amount and the second payment amount may also include the following process, namely: causing a user interface screen (web page) containing information comparing the first payment amount and the second payment amount to be output to the browser of the above-mentioned terminal.

[0027] According to the information processing device of the present disclosure, the business operator can promote to the user that it is more cost-effective (less financial burden on the user) to replace the device at the first time than to replace the device at the second time. This can promote the user's replacement.

[0028] Hereinafter, specific embodiments of the present disclosure will be described based on the drawings. Unless otherwise specified, the disclosed technical scope is not intended to be limited to the hardware configuration, module configuration, functional configuration, etc. described in the following embodiments.

[0029] Implementation

[0030] Embodiments of the present disclosure will be described using the drawings. In this embodiment, an example in which the information processing device according to the present disclosure is applied to a system that provides a vehicle sales service and a rental service will be described.

[0031] System Structure

[0032] Figure 11 is a block diagram schematically showing a configuration example of the system 1 in the present embodiment. The system 1 in the present embodiment is a system that provides a vehicle sales service and / or a rental service, and is configured to include a terminal 100 and a server 200. Figure 1 In the illustrated example, only one terminal 100 is illustrated, but a plurality of terminals 100 may be included in the system 1 .

[0033] The terminal 100 is a terminal used at a predetermined location. The predetermined location is a store (e.g., a car dealership, etc.) or a repair shop operated by an operator that provides vehicle sales services and / or rental services. The terminal 100 is, for example, a computer with a browser application and program installed, such as a smartphone, a mobile phone, a tablet terminal, a wearable device, or a personal computer. In this embodiment, at the predetermined location, the staff and the like can access the server 200 by using the terminal 100, thereby receiving the provision of technical support information. The technical support information is information that provides technical support for the suggestions made by the staff and the like to the users who come to the predetermined location. The "suggestions" in this embodiment include suggestions related to the time to replace the vehicle.

[0034] In addition, in this embodiment, the vehicle currently used by the user is referred to as the first vehicle, and the vehicle that the user wishes to replace with the first vehicle is referred to as the second vehicle. In addition, the first vehicle is a vehicle purchased by the user in an installment payment manner. In addition, the second vehicle may be a vehicle to be sold or a vehicle to be leased. Furthermore, the second vehicle may be a new vehicle or a used vehicle.

[0035] Next, the server 200 is an information processing device operated by a company (for example, a vehicle manufacturer or a company affiliated with the manufacturer) that outsources the vehicle sales and / or rental business to the operator of a predetermined location. The server 200 can be configured as a computer having a processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit), a main storage device such as a RAM (Random Access-Memory) and a ROM (Read Only Memory), an auxiliary storage device such as an EPROM (Erasable Programmable Read Only Memory), a hard disk drive or a removable medium. In the auxiliary storage device of the server 200, an operating system (OS: Operation System), various programs, and various tables are stored. The processor of the server 200 loads the program stored in the auxiliary storage device into the working area of ​​the main storage device and executes it, thereby realizing various functions that are consistent with the predetermined purpose as described later. However, part or all of the functions of the server 200 may be realized by a hardware circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

[0036] The server 200 in this embodiment is configured to realize a Web server for implementing interaction with the terminal 100. The server 200 implements interaction with the terminal 100 through the execution of the Web server, thereby providing technical support information to the staff of the predetermined base, etc. In addition, the server 200 can also provide the above-mentioned services by means other than the Web server. For example, in the server 200, a service that interacts through a dedicated application software installed on the terminal 100 and a predetermined protocol can also be executed.

[0037] like Figure 1 As shown in FIG. 2 , the server 200 that realizes the above-mentioned functions is configured to include a communication unit 210 and a control unit 220 .

[0038] The communication unit 210 is a communication interface for connecting the server 200 to the network N1. The communication unit 210 is connected to the network N1 through, for example, a LAN (Local Area Network) or Wi-Fi (registered trademark), and communicates with the terminal 100 through the network N1. The network N1 is, for example, a world-wide public communication network WAN such as the Internet, or other communication networks.

[0039] The control unit 220 is a software module implemented by executing a program stored in an auxiliary storage device by a processor of the server 200. The control unit 220 interacts with the terminal 100 by executing a Web server. In this embodiment, the control unit 220 causes the browser of the terminal 100 to display a Web page for technical support. Figure 2 FIG. 1 is a diagram showing a first example of a web page for technical support. Figure 2 As shown, the web page for technical support includes an input field A and an output field B.

[0040] The input field A is a field for inputting information related to the user's replacement, and includes an input field for information related to the first vehicle and an input field for information related to the second vehicle. The input field for information related to the first vehicle includes the following input items.

[0041] (Enter Item 1) Monthly insurance premium for the first vehicle ( Figure 2 GUI components in G1)

[0042] (Input Item 2) The residual value of the first vehicle at the first time ( Figure 2 GUI components in G2)

[0043] (Input Item 3) The loan balance of the first vehicle at the first time ( Figure 2 GUI components in G3)

[0044] (Input Item 4) Number of months from the first moment to the second moment ( Figure 2 GUI components in G4)

[0045] (Input Item 5) The residual value of the first vehicle at the second time ( Figure 2 GUI components in G5)

[0046] (Input Item 6) The loan balance of the first vehicle at the second time ( Figure 2 GUI components in G6)

[0047] (Enter Item 7) Vehicle Inspection / Repair Cost ( Figure 2 GUI components in G7)

[0048] (Input Item 8) Tax Amount( Figure 2 GUI components in G8)

[0049] Here, the first moment is the moment when the trade-in price of the first vehicle (the second amount described later) exceeds the loan balance of the first vehicle. In one example, the first moment may be the moment when the user arrives at the predetermined location for vehicle inspection, maintenance or repair of the first vehicle during the period when the trade-in price of the first vehicle exceeds the loan balance of the first vehicle (hereinafter sometimes referred to as the "recommended replacement period"). Whether the moment when the user of the first vehicle arrives at the predetermined location is within the recommended replacement period may also be determined by the staff of the predetermined location, etc. In addition, the recommended replacement period may also be stored in an auxiliary storage device of the server 200 or in a database connected to the server 200 via the network N1 in a manner associated with information that identifies the first vehicle (for example, a vehicle ID such as a vehicle body number). In this case, the control unit 220 of the server 200 can also be configured to perform the following processing, namely: accepting the input of the vehicle ID implemented by the staff of the scheduled location, etc. through the web browser of the terminal 100; obtaining the recommended replacement period by accessing the auxiliary storage device or the database using the accepted vehicle ID as an independent variable; and prompting the obtained recommended replacement period to the staff of the scheduled location, etc. through the web browser of the terminal 100.

[0050] The second moment is a moment in the future compared to the first moment, and is a moment when the user of the first vehicle can easily consider replacement. As the moment when the user of the first vehicle can easily consider replacement, the year and month of the next vehicle inspection of the first vehicle, the year and month of the next vehicle inspection of the first vehicle, and the year and month when the installment contract of the first vehicle ends (the year and month when the loan repayment at the time of purchase of the first vehicle is completed) can be exemplified. In addition, the moment when the user of the first vehicle can easily consider replacement is not limited to the above example, and can also be appropriately changed according to the time when the user of the first vehicle replaced in the past and / or the time when multiple users other than the user of the first vehicle replaced in the past.

[0051] The residual value of the first vehicle at the first moment and the residual value of the first vehicle at the second moment are set based on the assessed amount in the market. In one example, the vehicle model, grade, body color, model year, etc. may also be set to be equal to the actual assessed amount in the market for the same vehicle as the first vehicle. The "market" mentioned here is, for example, the market for used cars. In addition, the loan balance of the first vehicle is the balance of the loan at the time of purchase of the first vehicle that has not been paid at the current time point.

[0052] The "vehicle inspection / repair fee" of input item 7 is the cost of maintenance (e.g., statutory vehicle inspection and vehicle inspection and repair, etc.) that the first vehicle needs to undergo when the user continues to use the first vehicle from the first moment to the second moment. The "tax amount" of input item 8 is the amount of tax (automobile tax, automobile weight tax, etc.) levied on the first vehicle from the first moment to the second moment. The combination of the vehicle inspection / repair fee and the tax amount is an example of the predetermined fee involved in the present disclosure.

[0053] The input field for the information related to the second vehicle includes the following input items.

[0054] (Enter Item 9) Model of the second vehicle ( Figure 2 GUI components in G9)

[0055] (Input Item 10) Grade of the second vehicle ( Figure 2 GUI components in G10)

[0056] (Input Item 11) Second Vehicle Options ( Figure 2 GUI components in G11)

[0057] In addition, the structure of the input field for the information related to the second vehicle is not limited to Figure 2 The example shown in the figure can be changed, added or omitted as appropriate according to the implementation method. For example, when the second vehicle is a rental vehicle, an item for inputting the type of rental contract (for example, a contract that can be terminated (the second vehicle is returned) without a termination fee during the rental contract period, or a contract that will incur a termination fee if the rental contract is terminated during the rental contract period, etc.) can be added.

[0058] Next, the output column B is a column for outputting technical support information corresponding to the input contents of the above-mentioned input items 1 to 11, and includes the following output items.

[0059] (Output Item 1) Technical Support Information ( Figure 2 GUI components in G12)

[0060] The technical support information includes information comparing the payment amount (first payment amount) assuming that the first vehicle is replaced with the second vehicle at the first time and the payment amount (second payment amount) assuming that the first vehicle is replaced with the second vehicle at the second time. Figure 2 The column becomes empty as shown.

[0061] In the technical support Web page, when the staff of the predetermined location inputs information to input items 1 to 11 respectively, the control unit 220 generates technical support information to be output to output item 1. Specifically, first, the control unit 220 generates technical support information based on the information input to input item 1 ( Figure 2 G1 in), input item 2 ( Figure 2 G2 in), input item 3 ( Figure 2 G3 in), input item 7 ( Figure 2 G7 in) and input item 8 ( Figure 2 In one example, the control unit 220 calculates the first payment amount according to the following steps.

[0062] (Step 1) Multiplying the monthly insurance premium input into input item 1 by the number of months input into input item 4 to calculate a first amount;

[0063] (Step 2) Adding the first amount, the vehicle inspection / test fee input to input item 7, and the tax amount input to input item 8 to the residual value input to input item 2 (the residual value of the first vehicle at the first time), thereby calculating the second amount;

[0064] (Step 3) The third amount is calculated by subtracting the debit / credit balance input to the input item 3 (the debit / credit balance of the first vehicle at the first time) from the second amount;

[0065] (Step 4) The third amount is subtracted from the payment amount associated with the second vehicle, thereby calculating the first payment amount.

[0066] The payment amount associated with the second vehicle is derived based on the information input into the input items 9, 10, and 11. At this time, the information associating the model, grade, options, and payment amount of the second vehicle may also be stored in the auxiliary storage device of the server 200 or in a database connected to the server 200 via the network N1. Furthermore, the control unit 220 of the server 200 may also access the auxiliary storage device or the database using the information input into the input items 9, 10, and 11 as an independent variable, thereby deriving the payment amount associated with the second vehicle.

[0067] Next, the control unit 220 performs the operation based on the input item 5 ( Figure 2 G5 in) and input item 6 ( Figure 2 In one example, the control unit 220 calculates the second payment amount according to the following steps.

[0068] (Step 5) The fourth amount is calculated by subtracting the debit / credit balance input to input item 6 (the debit / credit balance of the first vehicle at the second time) from the residual value input to input item 5 (the residual value of the first vehicle at the second time);

[0069] (Step 6) The fourth amount is subtracted from the payment amount associated with the second vehicle, thereby calculating the second payment amount.

[0070] The control unit 220 generates technical support information based on the first payment amount and the second payment amount calculated in the above steps 1 to 6. In one example, the technical support information may include the first payment amount, the second payment amount, and the difference between the first payment amount and the second payment amount. In addition, when the second vehicle is a rental vehicle, the technical support information may also include the number of months that the monthly rental fee becomes free by serving as the above third amount, and the number of months that the monthly rental fee becomes free by serving as the above fourth amount.

[0071] When the above method is used to generate the technical support information displayed on the output column B, as shown in FIG. Figure 3 As shown, the control unit 220 makes the output item 1 ( Figure 3 G12 in the example displays the generated technical support information. Figure 3 The technical support information displayed on the output field B of the technical support web page as shown can promote the financial advantage of replacing the first vehicle with the second vehicle at the first time to the user of the first vehicle. Therefore, the user can be motivated to replace the first vehicle with the second vehicle at the first time.

[0072] In addition, the structure of the technical support web page is not limited to Figure 2 as well as Figure 3 The example shown in the figure can be flexibly changed according to the implementation mode. As an example, the input field A can also be configured to include an input item for inputting the year and month of the first moment and an input item for inputting the year and month of the second moment instead of the input item 4. In this case, the "number of months from the first moment to the second moment" used by the calculation in the above (step 1) can also be calculated by the control unit 220 based on the year and month of the first moment and the year and month of the second moment. In addition, the input field A and the output field B do not have to be displayed on the same web page, and can also be displayed on different web pages.

[0073] Processing process

[0074] based on Figure 4Next, a description will be given of a process flow executed by the server 200 in the present embodiment. Figure 4 1 is a flowchart showing a processing routine executed by the server 200 when the operator accesses the URL of the technical support web page through the web browser of the terminal 100. Figure 4 The execution subject of the processing routine is the processor of the server 200, but the software module of the server 200 is used as the execution subject for explanation here.

[0075] When the operator accesses the URL of the technical support web page through the web browser of the terminal 100, the control unit 220 of the server 200 causes the web browser of the terminal 100 to output the technical support web page with the blank field B (see Figure 2 ) is displayed (S101). When the control unit 220 completes the process of S101, it executes the process of S102.

[0076] In S102, the control unit 220 determines whether the input of the input items 1 to 11 in the input field A of the technical support web page has been completed. If the input of the input items 1 to 11 has not been completed (negative determination in S102), the control unit 220 waits until the input of the input items 1 to 11 is completed. If the input of the input items 1 to 11 has been completed (affirmative determination in S102), the control unit 220 executes the process of S103.

[0077] In S103, the control unit 220 calculates the first payment amount and the second payment amount. The calculation of the first payment amount and the second payment amount is performed according to the following steps 1 to 6 as described above.

[0078] (Step 1) Multiplying the monthly insurance premium input into input item 1 by the number of months input into input item 4 to calculate a first amount;

[0079] (Step 2) The second amount (equivalent to the trade-in price of the first vehicle) is calculated by adding the first amount, the vehicle inspection / repair fee input to input item 7, and the tax amount input to input item 8 to the residual value input to input item 2 (the residual value of the first vehicle at the first time);

[0080] (Step 3) The debit / credit balance input to input item 3 (the debit / credit balance of the first vehicle at the first time) is subtracted from the second amount, thereby calculating a third amount;

[0081] (Step 4) subtracting the third amount from the payment amount associated with the second vehicle, thereby calculating the first payment amount;

[0082] (Step 5) The fourth amount is calculated by subtracting the debit / credit balance input to input item 6 (the debit / credit balance of the first vehicle at the second time) from the residual value input to input item 5 (the residual value of the first vehicle at the second time);

[0083] (Step 6) The fourth amount is subtracted from the payment amount associated with the second vehicle, thereby calculating the second payment amount.

[0084] When the control unit 220 completes the processing of S103, it executes the processing of S104. In S104, technical support information displayed on the output item 1 of the output column B is generated. In one example, the control unit 220 generates information including the first payment amount, the second payment amount, and the difference between the first payment amount and the second payment amount as technical support information. In addition, in the case where the second vehicle is a rental vehicle, the control unit 220 may also generate information including the number of months for which the monthly rental fee becomes free by serving as the third amount mentioned above, and the number of months for which the monthly rental fee becomes free by serving as the fourth amount mentioned above as technical support information. When the control unit 220 completes the processing of S104, it executes the processing of S105.

[0085] In S105, the control unit 220 uses the web browser of the terminal 100 to display the technical support Web page (see FIG. 1 ) on which the technical support information generated in S104 is displayed in the output item 1 of the output field B. Figure 3 ) is displayed. When the control unit 220 completes the processing of S105, the execution of this processing routine ends.

[0086] Functions and effects of implementation methods

[0087] In the above-described embodiment, when the user of the first vehicle comes to the predetermined location within the recommended replacement period, the staff of the predetermined location can access the server 200 via the web browser of the terminal 100, thereby receiving the prompt of technical support information. Thus, the staff of the predetermined location can promote to the user that the replacement at the first time is less financially burdensome than the replacement at the second time based on the technical support information prompted from the server 200. As a result, the user's desire to replace at the first time can be aroused. Therefore, the replacement of the vehicle implemented by the user can be promoted.

[0088] In addition, in the present embodiment, the server 200 is equivalent to the "information processing device" involved in the present disclosure. In addition, the control unit 220 of the server 200 is equivalent to the "control unit" involved in the present disclosure. In addition, the technical support web page involved in the present disclosure is equivalent to the "interface screen" involved in the present disclosure.

[0089] Other Implementations

[0090] The above-mentioned implementation is only an example, and the present disclosure can be implemented by appropriately changing it within the scope of its main purpose. For example, the processing implemented by the server 200 can also be implemented using the terminal 100. That is, the terminal 100 can also implement the output of the interface screen including the input field A and the output field B, the calculation of the first payment amount, the calculation of the second payment amount, and the generation of technical support information through the execution of dedicated applications and programs. In this case, the terminal 100 is equivalent to the "information processing device" involved in the present disclosure. In addition, the processor of the terminal 100 realizes the "control unit" involved in the present disclosure by executing dedicated applications and programs.

[0091] In addition, the processing and structure described in the present disclosure can be freely combined and implemented as long as no technical contradiction occurs. In addition, the processing described as a processing implemented by one device can also be shared and executed by multiple devices. In addition, the processing described as a processing implemented by multiple devices can also be executed by one device. In a computer system, the hardware structure used to implement each function can be flexibly changed.

Claims

1. An information processing device, wherein: A control unit is provided, and the control unit is configured to execute the following processing, namely: accepting input of information including the residual value of a first vehicle currently being used by a user at a first time, the residual value of the first vehicle at a second time in the future compared to the first time, estimated expenses that will be incurred if the first vehicle is continuously used from the first time to the second time, the loan balance of the first vehicle at the first time, the loan balance of the first vehicle at the second time, the monthly insurance premium of the first vehicle, and the model of a second vehicle that the user wishes to replace; Based on the acceptance of the input, a first payment amount is calculated based on the assumption that the first vehicle is replaced with the second vehicle at the first time, and a second payment amount is calculated based on the assumption that the first vehicle is replaced with the second vehicle at the second time; and Information comparing the first payment amount and the second payment amount is output.

2. The information processing device according to claim 1, wherein: The process of calculating the first payment amount includes the following processes, namely: calculating a first amount by multiplying the number of months from the first time point to the second time point by the monthly insurance premium of the first vehicle; adding the first amount and the predetermined fee to the residual value of the first vehicle at the first time, thereby calculating a second amount; subtracting the debit and credit balance of the first vehicle at the first time from the second amount, thereby calculating a third amount; subtracting the third amount from the payment amount associated with the second vehicle to thereby calculate the first payment amount, The process of calculating the second payment amount includes the following processes, namely: subtracting the loan balance of the first vehicle at the second time from the residual value of the first vehicle at the second time, thereby calculating a fourth amount; and The second payment amount is calculated by subtracting the fourth amount from the payment amount associated with the second vehicle.

3. The information processing device according to claim 1, wherein: The process of outputting information comparing the first payment amount and the second payment amount includes the process of outputting a user interface screen including the first payment amount, the second payment amount, and a difference between the first payment amount and the second payment amount.

4. The information processing device according to claim 1, wherein: The process of accepting the input includes the following process, namely: outputting a user interface screen including an input column for the residual value of the first vehicle at the first moment, an input column for the residual value of the first vehicle at the second moment, an input column for the predetermined fee, an input column for the loan balance of the first vehicle at the first moment, an input column for the loan balance of the first vehicle at the second moment, an input column for the monthly insurance premium of the first vehicle, and an input column for the vehicle model of the second vehicle.

5. The information processing device according to claim 1, wherein: The first moment is the moment when the second amount exceeds the loan balance of the first vehicle.

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