Information processing apparatus

Abstract

The invention provides an information processing apparatus. And the satisfaction degree of the user signing the lease contract is improved. The present invention is provided with a control unit (110) that: receives, from a user terminal (200), first information that instructs to output information relating to a payment amount when a first plan and / or a second plan is signed again after a lease contract period expires; the first plan is a contract plan for a lease contract of an object, and generates an initial fee when the lease contract is signed and does not generate a midway reward in a period in which the lease contract is not signed. The second plan is a contract plan for a lease contract of the object, does not generate initial cost when the lease contract is signed, and generates partway payment in the period of the lease contract; setting the payment amount for each contract plan in the re-signing period such that the total amount of payment amount in the re-signing period becomes higher than when the contract plan is the first plan and when the contract plan is the second plan; and transmitting, to the user terminal (200), information relating to the payment amount during the re-signing period in response to the first information.

Description

Technical Field

[0001] The present disclosure relates to a technology for presenting a payment amount in a lease contract. Background Art

[0002] There are many known technologies for prompting users to pay when renting items. In this regard, Patent Document 1 discloses a rental plan preparation method, etc., in which the rental fee is calculated by subtracting the fee to be collected during a shorter set period from the fee to be collected during the entire rental period as the fee to be collected from the expiration of the set period to the expiration of the entire rental period.

[0003] Prior art literature

[0004] Patent Literature

[0005] Patent Document 1: Japanese Patent Application Publication No. 2003-067659 Summary of the invention

[0006] The present disclosure aims to improve the satisfaction of users who sign a lease contract.

[0007] One aspect of an embodiment of the present disclosure is an information processing device including a control unit that executes:

[0008] receiving, from a user terminal, first information instructing output of information on a payment amount in a case where at least one of a first plan and a second plan is re-signed after the lease contract period expires, the first plan being a contract plan for a lease contract for an object and incurring an initial fee when signing the lease contract and not incurring a mid-term cancellation fee during the lease contract period, and the second plan being a contract plan for a lease contract for an object and incurring no initial fee when signing the lease contract and incurring the mid-term cancellation fee during the lease contract period;

[0009] setting the payment amount for each of the contract plans in the re-contract period in such a manner that the total amount of the payment amount in the re-contract period becomes higher when the contract plan is the second plan than when the contract plan is the first plan; and

[0010] In response to the first information, information related to the payment amount in the re-contract period is transmitted to the user terminal.

[0011] In addition, as another embodiment, there may be mentioned a method for realizing the processing executed by the above-mentioned apparatus, a program for executing the above-mentioned method, or a computer-readable storage medium storing the program in a non-temporary manner.

[0012] According to the present disclosure, the satisfaction of users who have signed a lease contract can be improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] Figure 1 This is a conceptual diagram of the processing implemented by the server device involved in the embodiment.

[0014] Figure 2A This is a diagram showing the relationship between the amounts of payment in a general contract plan.

[0015] Figure 2B It is a diagram showing the relationship between the payment amounts of the contract plans after the change.

[0016] Figure 3 It is a diagram for explaining the components of a system including a server device according to an embodiment.

[0017] Figure 4 This is a flowchart of a process executed by a control unit of a server device according to an embodiment.

[0018] Figure 5 This is a diagram showing the relationship between the amounts of payment of the contract plans set by the server device according to the embodiment. DETAILED DESCRIPTION

[0019] There is known a system for calculating and presenting a monthly payment amount based on a contract plan selected by a user when signing a lease contract for a contract object (eg, a vehicle).

[0020] For example, consider setting a first period shorter than all rental periods (total rental period) and suggesting a plan to reduce the monthly payment amount in the period from the expiration of the first period to the expiration of all rental periods compared to the monthly payment amount in the first period. In this way, the system can improve the satisfaction of users who use the same vehicle for a long time by reducing the payment amount during the process.

[0021] However, the user sometimes wishes to re-sign the same lease contract after the entire lease period expires. For example, after the entire lease period expires, the user sometimes wishes to re-sign the lease contract because the vehicle the user wishes to replace has a long delivery period or there is no new vehicle to replace.

[0022] In this case, depending on the content of the contracted plan, there is a possibility that user satisfaction may decrease.

[0023] The information processing device involved in the present disclosure sets the payment amount in a manner that makes the total amount of payment in the re-contract period after the expiration of all lease periods higher than a contract plan that incurs an initial fee and does not incur an interim cancellation fee.

[0024] Furthermore, the information processing device transmits information on the payment amount of the contract plan to the user terminal in response to a request from the user terminal.

[0025] An information processing device according to one embodiment of the present disclosure includes a control unit,

[0026] The control unit executes: receiving, from a user terminal, first information indicating output of information related to a payment amount in a case where at least one of a first plan and a second plan is re-signed after the lease contract period expires, wherein the first plan is a contract plan for a lease contract for an object and generates an initial fee when signing the lease contract and does not generate a midway cancellation fee during the lease contract period, and the second plan is a contract plan for a lease contract for an object and generates no initial fee when signing the lease contract and generates the midway cancellation fee during the lease contract period; setting the payment amount for each of the contract plans in the re-signing period in a manner that makes the total amount of the payment amount in the re-signing period higher when the contract plan is the first plan than when the contract plan is the second plan; and sending information related to the payment amount in the re-signing period to the user terminal in response to the first information.

[0027] The first plan is a contract plan for a lease contract for a leased object, in which an initial fee is incurred when the lease contract is signed and no mid-term termination fee is incurred when the lease contract is terminated midway during the lease contract period.

[0028] The second plan is a contract plan for a lease contract for a leased object, in which no initial fee is incurred when the lease contract is signed and a mid-term termination fee is incurred when the lease contract is terminated midway during the lease contract period.

[0029] The user terminal is a terminal that accesses the information processing device according to one embodiment of the present disclosure to obtain information on the payment amount of the contract plan when the user signs a lease contract for the object. The user terminal is typically a smartphone, a tablet terminal, a wearable terminal, or a personal computer.

[0030] The lease contract period refers to the contract period when the user signs a lease contract for the object. The lease contract expires at a predetermined contract period such as 3 years or 5 years.

[0031] The re-contract period refers to a new contract period when a user signs a new lease contract for the same object under the same contract plan as the expired lease contract when the lease contract period of the object expires. The re-contract period starts after the lease contract period expires.

[0032] The first information is information for instructing to output information on the payment amount when re-signing after the lease contract period expires. The first information is transmitted from the user terminal to the information processing device according to one aspect of the present disclosure.

[0033] In a general vehicle lease contract, it is sometimes possible to use a plan (called the first plan) in which the contract period can be extended by re-signing but the monthly amount and the total payment amount are higher than the second plan, and a plan (called the second plan) in which the contract period cannot be extended by re-signing but the total monthly amount and the total payment amount are lower than the first plan.

[0034] The first plan requires an initial fee instead of requiring an interim cancellation fee, and the total amount of payment is often higher than the second plan which requires an interim cancellation fee but does not require an initial fee (if the lease contract is not terminated during the lease contract period in the second plan).

[0035] However, due to the prolonged delivery period of vehicles, sometimes it happens that the lease contract ends and the next vehicle cannot be prepared in a short period of time. In order to deal with this situation, it is envisaged that in the second plan, the contract period can be extended by re-signing so that the existing vehicle can continue to be used.

[0036] However, when the second plan is available for re-signing, users who re-sign with the first plan, which has a higher monthly amount and a higher total payment amount than the second plan, are at a disadvantage in terms of payment amount compared to users who re-sign with the second plan. Under such payment amount settings, users who anticipate re-signing and paying a higher monthly amount and a higher total payment amount may become dissatisfied.

[0037] Therefore, the information processing device according to the present disclosure sets the payment amount for each contract plan during the re-contract period so that the total payment amount during the re-contract period of the second plan is higher than the total payment amount during the re-contract period of the first plan.

[0038] In addition, the control unit transmits information on the payment amount during the re-contract period to the user terminal in response to the first information received from the user terminal. That is, the control unit transmits information on the payment amount of the first plan or the second plan to the user terminal in response to the first information.

[0039] Thus, the information processing device according to one embodiment of the present disclosure can correct the unfair feeling of financial burden when re-signing between a user who pre-planned to pay a higher amount and other users. Therefore, the information processing device according to one embodiment of the present disclosure can improve the satisfaction of users who have signed a lease contract.

[0040] In addition, the object may be a car, and the control unit may further execute a control so that the total amount of payment during the re-contracting period, when a lease contract is signed for a new car through the second plan and the second plan is signed again after the lease contract period expires, is higher than the total amount of payment during the re-contracting period, when the lease contract is signed for the new car through the first plan and the first plan is signed again after the lease contract period expires, and is lower than the total amount of payment during the first period, when a lease contract for a used car different from the new car is signed through the first plan during the first period, which is the same period as the re-contracting period.

[0041] This can avoid a situation where the payment amount becomes smaller when the vehicle is temporarily returned and a new lease of a used car is signed than when a lease contract for the same vehicle is signed again.

[0042] In addition, the user can also sign a lease contract for the same period as the total period of the lease contract period and the re-signing period with the second plan. In this case, the user initially signs a contract for the total period with the relatively cheap second plan based on the intention of using the leased vehicle for a long period. Therefore, it is preferable to set the total payment amount when signing the contract for the total period with the second plan lower than the total payment amount of the first plan when re-signing after the lease contract period expires.

[0043] Therefore, the control unit may also execute: setting the payment amount for each contract plan in such a manner that the total amount of the payment amount during the combined period of the lease contract period and the re-contract period becomes higher in the order of (1) the total amount of the payment amount of the second plan during the period that is the same as the combined period when the lease contract is signed for the first time, (2) the total amount of the payment amount of the first plan during the combined period when the lease contract is signed for the lease contract period at the first time and the lease contract is further signed for the period that is the same as the re-contract period after the lease contract period expires, and (3) the total amount of the payment amount of the second plan during the combined period when the lease contract is signed for the lease contract period at the first time and the lease contract is further signed for the period that is the same as the re-contract period after the lease contract period expires.

[0044] Thus, the information processing device according to one aspect of the present disclosure can minimize the payment amount when signing a lease contract for the longest period at the first signing. Therefore, the information processing device according to one aspect of the present disclosure can improve user satisfaction by setting a reasonable payment amount.

[0045] In addition, the control unit may also execute: setting the monthly amount of the payment amount of the second plan in the period that is the same as the re-contract period in a case where the lease contract is signed for a period that is the same as the total period of the lease contract period and the re-contract period at the time of the initial contract, and setting the monthly amount of the payment amount of the second plan in the re-contract period in a case where a lease contract is signed for a period that is the same as the lease contract period at the time of the initial contract and a lease contract is signed for a period that is the same as the re-contract period after the lease contract period expires, to the same amount.

[0046] Thus, the information processing device according to one aspect of the present disclosure can make the monthly payment amount of the second plan the same amount when a lease contract of the same period as the total period of the lease contract period and the re-contract period is signed at the time of the initial contract and when the re-contract period is signed after the lease contract period expires. Therefore, the information processing device according to one aspect of the present disclosure can improve user satisfaction by setting a contract plan that is easy for the user to understand.

[0047] One embodiment of the present disclosure may also include a storage unit that stores information related to the payment amount during the lease contract period corresponding to each of the first plan and the second plan, and the control unit executes: receiving second information from the user terminal, the second information indicating outputting information related to a monthly amount of the payment amount during the re-contract period of at least one of the first plan and the second plan as information related to the payment amount in the case of re-contracting at least one of the first plan and the second plan; calculating the monthly amount of the payment amount of the first plan and the second plan during the re-contract period based on the information stored in the storage unit in a manner that makes the total amount of the payment amount during the re-contract period higher in the second plan compared to the first plan; and sending the information related to the monthly amount of the payment amount to the user terminal in response to the second information.

[0048] That is, the information processing device may provide the user terminal with information on the monthly amount of the payment during the re-contract period based on the stored information.

[0049] The specific embodiments of the present disclosure are described below with reference to the accompanying drawings. The hardware configuration, module configuration, functional configuration, etc. described in each embodiment are not intended to limit the technical scope of the disclosure to these unless otherwise specified.

[0050] (Implementation Method)

[0051] Reference Figure 1 , describing an overview of the processing performed by the server device involved in the implementation mode. Figure 1 1 is a conceptual diagram of the processing implemented by the server device 100 involved in the embodiment. In this embodiment, the server device 100 communicates with the user terminal 200. The server device 100 is a computer that responds to a request from the user terminal 200 and provides information related to the contract of the rental service of a new car or a used car online. The user who uses the online rental service accesses the rental site (a website for concluding a vehicle rental contract) through the web browser of the user terminal 200 and applies for the rental of the vehicle. The vehicle is a new car or a used car. Used cars include previously rented vehicles and rental vehicles.

[0052] At this time, the server device 100 provides the user terminal 200 with information on the amount paid by the user as information on the contract for the rental service.

[0053] In the present embodiment, a first plan and a second plan are set as plans in the vehicle rental contract. The server device 100 sets the payment amount of each contract plan including the first plan and the second plan.

[0054] Here, the first plan refers to a contract plan in which an initial fee is incurred when signing a vehicle lease contract, and no mid-term termination fee is incurred when the lease contract is terminated midway during the lease contract period. The initial fee refers to the payment amount that the user is initially required to pay when signing the lease contract. The initial fee is a payment amount that is paid independently of the payment amount paid by the user in each predetermined period (for example, the monthly amount of the lease). The user can sign the first plan on the condition of paying the initial fee. In addition, the mid-term termination fee is the payment amount that the user is required to pay when the lease contract is terminated before the expiration of the lease contract period. The user does not need to pay the mid-term termination fee when terminating the first plan. In addition, for example, the user is required to pay a monthly amount corresponding to the first plan every month.

[0055] In addition, the second plan is a plan that does not incur an initial fee when signing a vehicle lease contract and incurs a mid-term termination fee when the lease contract is terminated midway during the lease contract period. The user does not need to pay an initial fee when signing the second plan. On the other hand, the user needs to pay a mid-term termination fee when the second plan is terminated midway. In addition, for example, the user is required to pay a monthly amount corresponding to the second plan.

[0056] In this embodiment, when re-signing after the lease contract period of the first plan or the second plan expires, the server device 100 sets the payment amount so that the total payment amount of the second plan during the re-signing period is higher than the total payment amount of the first plan during the re-signing period.

[0057] Give specific description on it.

[0058] Figure 2A The diagram shows the relationship between the payment amounts of general contract plans in vehicle leasing. The rectangles in the diagram each represent the amount of payment in one contract.

[0059] In this embodiment, the first plan (no cancellation fee plan) is a plan that allows only a 3-year contract period to be selected, and the contract period can be extended by 2 years each time by re-signing. In contrast, the second plan (no initial fee plan) is a plan that allows a 3-year, 5-year, or 7-year contract period to be selected, and the contract period cannot be extended by re-signing.

[0060] like Figure 2A As shown, the total amount of payment for the lease contract period (3-year period) under the first plan is set higher than that for the lease contract period (3-year period) under the second plan. However, the user can re-sign under the same plan (for example, 2-year period) after the contract expires. In contrast, for the second plan, instead of being unable to re-sign after the lease contract period (3-year period) expires, the monthly amount and the total amount of payment are suppressed to be low.

[0061] On the other hand, if the delivery period of new vehicles is prolonged due to supply chain disruptions, etc., users whose contracts under the second plan expire cannot replace new vehicles and cannot sign new contracts.

[0062] In such a case, it is considered that in order to provide relief to the user, in the second plan, re-contracting under the second plan after the lease contract period expires is possible.

[0063] In this case, under the previous payment amount setting, if the second plan is simply extended for 2 years by re-signing, the payment amount will be as follows: Figure 2B shown.

[0064] In this case, when a contract for an additional 2-year term is signed under the second plan after the lease contract period (3-year term) under the second plan ends, the total amount of payment becomes lower than when a contract for an additional 2-year term is signed under the first plan after the lease contract period (3-year term) under the first plan ends.

[0065] However, it is assumed that the user who selected the first plan considers the advantage of being able to renew the lease contract when signing the lease contract, and selects the first plan which sets a higher payment amount than the second plan which cannot be renewed.

[0066] However, if it becomes possible to re-sign the second plan, the contract can be continued at a low cost for the same period as in the case of re-signing the first plan. That is, the burden of payment will differ between the user who signed the second plan after selecting the second plan at the beginning of the contract and the user who signed the first plan after selecting the first plan. In order to correct this, it is preferable to set the total amount of payment for the first plan when re-signing to be lower than the total amount of payment for the second plan when re-signing.

[0067] This can improve the satisfaction of users who have signed the contract through the first plan from the beginning.

[0068] The server device 100 receives a request for outputting information related to the payment amount of a contract plan (first plan or second plan) that the user signs after the lease contract period expires from the user terminal 200. In response to the request, the server device 100 transmits the information related to the payment amount of the contract plan (first plan or second plan) set in the above to the user terminal 200.

[0069] Next, each element constituting the system including the server device 100 will be described in detail. Figure 3 The diagram is for explaining components included in a system including the server device 100 according to the embodiment.

[0070] The server device 100 according to the present embodiment includes a control unit 110 , a storage unit 120 , and a communication unit 130 . The server device 100 communicates with the user terminal 200 via the communication unit 130 .

[0071] The control unit 110 is implemented by a processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit) and a memory. The control unit 110 includes a receiving unit 111, a setting unit 112, and a sending unit 113 as functional modules. These functional modules can also be implemented by executing a program by the control unit 110.

[0072] The receiving unit 111 receives first information as a request for instructing to output information on the payment amount of the contract plan (first plan or second plan) involved in the re-contract to the user terminal 200. In addition, the receiving unit 111 receives second information as a request for instructing to output information on the monthly amount of the payment amount of the contract plan (first plan or second plan) involved in the re-contract to the user terminal 200. The receiving unit 111 receives the first information or the second information transmitted from the user terminal 200 via the communication unit 130.

[0073] The setting unit 112 sets the payment amount in the re-contract period when the contract plan is re-contracted after the lease contract period of the contract plan expires. Specifically, the setting unit 112 sets the payment amount (total payment amount and monthly payment amount) of the contract plan in such a way that the total payment amount of the second plan in the re-contract period is higher than the total payment amount of the first plan in the re-contract period.

[0074] In addition, the setting unit 112 sets the payment amount for the first plan during the re-contract period so that the total amount of the payment amount for the second plan during the re-contract period is higher than the total amount of the payment amount for the first plan during the re-contract period, but the setting method of the payment amount is not limited to this. Other examples of the method for setting the payment amount by the setting unit 112 will be described later.

[0075] The transmission unit 113 transmits information related to the payment amount of the contract plan during the re-contract period to the user terminal 200 in response to the first information based on the payment amount of the contract plan set by the setting unit 112. After the receiving unit 111 receives the first information, the transmission unit 113 transmits the information related to the payment amount of the contract plan to the user terminal 200.

[0076] In addition, the transmission unit 113 transmits information related to the monthly amount of the payment for the contract plan during the re-contract period to the user terminal 200 in response to the second information, based on the monthly amount of the payment for the contract plan set by the setting unit 112. After the receiving unit 111 receives the second information, the transmission unit 113 transmits the information related to the monthly amount of the payment for the contract plan to the user terminal 200.

[0077] The storage unit 120 is a main storage device such as RAM or ROM, an auxiliary storage device such as EPROM, a hard disk drive, or a removable medium. In the auxiliary storage device, an operating system (OS), various programs, various tables, etc. are stored, and by executing the programs stored therein, various functions that meet the predetermined purposes of each part of the control unit 110 can be realized. However, some or all of the functions can also be realized by hardware circuits such as ASIC and FPGA.

[0078] The storage unit 120 stores data used or generated in the processing performed by the control unit 110. In addition, the storage unit 120 may store information related to the payment amount during the lease contract period corresponding to each of the first plan and the second plan. In addition, the storage unit 120 may also store data related to the basis for calculating the payment amount of the first plan or the second plan, etc.

[0079] The communication unit 130 is composed of a communication circuit that performs wireless communication. The communication unit 130 can be, for example, a communication circuit that performs wireless communication using 4G (4th Generation) or a communication circuit that performs wireless communication using 5G (5th Generation). In addition, the communication unit 130 can be a communication circuit that performs wireless communication using LTE (Long Term Evolution) or a communication circuit that performs communication via LPWA (Low Power Wide Area). In addition, the communication unit 130 can also be a communication circuit that performs wireless communication using Wi-Fi (registered trademark).

[0080] Next, devices other than the server device 100 will be described.

[0081] The user terminal 200 is a terminal for accessing a rental site (a website for concluding a vehicle rental contract) via a web browser. For example, the user terminal 200 may also be a smart phone, a tablet terminal, or a personal computer. The user terminal 200 communicates with the server device 100 and sends the first information or the second information. In addition, the user terminal 200 receives information related to the payment amount of the contract plan or the monthly amount of the payment amount of the contract plan from the server device 100. The user terminal 200 may also output the received information related to the payment amount of the contract plan or the monthly amount of the payment amount of the contract plan to the display unit of the user terminal 200.

[0082] Next, the specific contents of the processing performed by the server device 100 according to the embodiment will be described. Figure 4 This is a flowchart of a process executed by the control unit 110 of the server device 100 according to the embodiment.

[0083] Figure 4 The processing shown starts when the user accesses the server device 100 via the user terminal 200 in order to re-sign the vehicle lease contract.

[0084] First, in step S10, the receiving unit 111 receives first information indicating that information on the payment amount when re-signing the first plan or the second plan is output. The receiving unit 111 receives the first information from the user terminal 200. Alternatively, the receiving unit 111 may receive second information indicating that information on the monthly amount of the payment amount when re-signing the first plan or the second plan is output from the user terminal 200.

[0085] Next, in step S11 , when the receiving unit 111 receives the first information, the setting unit 112 sets the total amount of payment for the first plan and the second plan during the re-contracting period when the user re-contracts for the first plan or the second plan.

[0086] Furthermore, when the receiving unit 111 receives the second information, the setting unit 112 may set the monthly payment amount of the first plan and the second plan during the re-contracting period when the user re-contracts the first plan or the second plan.

[0087] Next, in step S12, when the receiving unit 111 receives the first information, the transmitting unit 113 transmits information on the payment amount during the re-contracting period of the first plan or the second plan to the user terminal 200. In response to the first information received by the receiving unit 111, the transmitting unit 113 transmits the information to the user terminal 200.

[0088] Alternatively, in step S12, when the receiving unit 111 receives the second information, the transmitting unit 113 transmits information on the monthly amount of the payment amount during the re-contract period of the first plan or the second plan to the user terminal 200. In response to the second information received by the receiving unit 111, the transmitting unit 113 transmits the information to the user terminal 200.

[0089] Furthermore, in the above-mentioned step S11, the setting unit 112 may set the total amount of payment for the first plan and the second plan during the re-contract period as follows.

[0090] Figure 5 The diagram shows the relationship between the payment amounts of the contract plans set by the server device 100 according to the embodiment. The setting unit 112 can set the payment amount of each contract plan by any of the methods described below.

[0091] As described above, the setting unit 112 can make the second plan contracted again ( Figure 5 (C)) is higher than the total amount paid during the re-contract period when the user re-contracts for the first plan ( Figure 5(B)) The total amount of payment during the re-contract period is set as the total amount of payment during the re-contract period under the first plan. This can be achieved, for example, by subtracting the payment amount during the re-contract period (2 years) of the first plan from the original amount (symbol 501).

[0092] In addition, the setting unit 112 may set only the total amount of the payment amount, or may set the monthly amount of the payment amount during the re-contract period.

[0093] By setting the payment amount as described above, for example, the total amount of payment during the combined period of the lease contract period (3 years) and the re-contract period (2 years) of the second plan is higher than the total amount of payment during the combined period of the lease contract period (3 years) and the re-contract period (2 years) of the first plan. In addition, the total amount of payment during the lease contract period (5 years) of the second plan may be lower than the total amount of payment during the combined period of the lease contract period (3 years) and the re-contract period (2 years) of the first plan.

[0094] In the above method, the payment amount (symbol 502) in the second plan re-contract period is set higher than the payment amount (symbol 501) in the first plan re-contract period. On the other hand, when a new lease contract is signed for another used car after the lease contract expires, the payment amount (symbol 502) in the second plan re-contract period is set higher than the payment amount (symbol 501) in the first plan re-contract period. Figure 5 The amount paid in (B) is sometimes lower than the total amount in the case of a new lease contract for other used vehicles.

[0095] Therefore, the setting unit 112 may also set the total amount of payment when signing a lease contract for another used car in the first period to be higher than the total amount of payment in the re-signing period after the lease contract period under the second plan expires. Here, the first period refers to the same period as the re-signing period. The new lease contract for the used car is signed under the first plan or the second plan.

[0096] By setting the payment amount as described above, for example, compared to the total period (3 years) of the lease contract period and the re-contract period (2 years) of the second plan, Figure 5 (C)) is the total amount of the payment, the total period of the lease contract period of the second plan (3 years) and the new lease contract period of the used car (2 years) ( Figure 5 The total amount of payment in (D)) becomes higher.

[0097] In the above method, the payment amount during the re-contract period of the first plan (symbol 501) is set lower than the payment amount during the re-contract period of the second plan (symbol 502). Figure 5The total amount paid under (B)) will be lower than if the contract was signed for 5 years under the second plan ( Figure 5 When the total amount of payment under (A)) is paid, there will be an imbalance in the financial burden between users who signed a 5-year contract under the second plan.

[0098] Therefore, the setting unit 112 may also set the total amount of payment for the re-contracting period of the first plan in such a manner that the total amount of payment for the total period of the first plan, which is the lease contract period signed at the initial contract and the re-contracting period signed after the expiration, is higher than the total amount of payment for the second plan for the total period (5-year period) signed at the initial contract. Here, the total period refers to the total period (5-year period) of the initial lease contract period (3-year period) and the re-contracting period (2-year period). In addition, the total amount of payment for the second plan for the total period signed at the initial contract refers to the total amount of payment for the second plan during the period when a lease contract for the same period as the total period (5-year period) is signed at the initial contract.

[0099] In addition, the setting unit 112 may also set the monthly amount of the payment amount of the second plan in the case of a lease contract for a total period (5-year period) signed at the time of the initial contract, and the monthly amount of the payment amount of the second plan in the case of a lease contract for a lease contract period (3-year period) signed at the time of the initial contract and a lease contract for a re-contract period (2-year period) signed after expiration to the same amount. Here, the monthly amount of the payment amount means that both are the monthly amount of the payment amount during the re-contract period. In addition, the monthly amount of the payment amount refers to the amount obtained by dividing the total amount of payments during the contract period such as the lease contract period, the re-contract period, or the total period in each contract plan by the number of months in the corresponding contract period. In addition, the monthly amount of the payment amount may also be adjusted in a manner that increases the monthly amount of the payment amount in a specific month such as a bonus month.

[0100] By setting the payment amount as described above, the total amount of the second plan payment for the initial contract period is lower than the total amount of the first plan payment for the initial contract period and the re-contract period after expiration.

[0101] As described above, the server device 100 sets the payment amount during the re-contract period so that the total amount of payment during the re-contract period becomes lower when the contract plan is the first plan than when the contract plan is the second plan.

[0102] The user who selects the first plan is a user who has selected a more expensive plan in consideration of the possibility of extending the contract period. However, the server device 100 according to the present embodiment can set a payment amount so that such a user does not feel unfair.

[0103] In addition, the server device 100 is set so that the total amount of payment during the re-signing period becomes higher when a new lease contract is signed for a used car than when a new lease contract is signed for a used car under the first plan or the second plan. Thus, the server device 100 can avoid a situation in which the total amount of payment becomes lower when the leased vehicle is returned and a new lease contract is signed for another used car than when a new lease contract is signed under the same contract plan after the lease contract period expires.

[0104] In addition, the server device 100 sets the payment amount in a manner that makes the total amount of payment in the combined period higher when a lease contract for the same period as the re-contract period is signed once the lease contract period expires, compared to the case where a lease contract for the period in which the original lease contract period and the re-contract period are signed at the time of the initial contract. As a result, the server device 100 of the present disclosure can avoid setting an unreasonable payment amount such that the total amount of payment is lower when a lease contract is re-contracted after the lease contract period expires, compared to the case where a lease contract for a long period in which the lease contract period and the re-contract period are signed in advance. Therefore, the server device 100 of the present disclosure can improve the satisfaction of users who sign lease contracts.

[0105] (Variation Example)

[0106] The above-described embodiment is merely an example, and the present disclosure can be implemented with appropriate changes without departing from the gist of the disclosure.

[0107] For example, the processes and units described in the present disclosure can be implemented in combination as long as no technical contradiction occurs.

[0108] In addition, a process described as being performed by one device may be shared and executed by multiple devices. Alternatively, a process described as being performed by different devices may be executed by one device. In a computer system, it is possible to flexibly change what hardware structure (server structure) is used to implement each function.

[0109] In addition, in the present embodiment, an example in which the object of the lease contract is a vehicle is described, but the object of the lease contract may be any object. For example, the object of the lease contract may be machinery, furniture, or daily necessities.

[0110] The present disclosure can also be implemented by supplying a computer program that implements the functions described in the above embodiments to a computer, and one or more processors of the computer read out and execute the program. Such a computer program can be provided to the computer via a non-temporary computer-readable storage medium that can be connected to the system bus of the computer, or it can be provided to the computer via a network. Non-temporary computer-readable storage media include, for example, any type of disk (floppy disk (floppy (registered trademark) disk), hard disk drive (HDD)), optical disk (CD-ROM, DVD disk, Blu-ray disk, etc.), read-only memory (ROM), random access memory (RAM), EPROM, EEPROM, magnetic card, flash memory, optical card, and any type of medium suitable for storing electronic instructions.

Claims

1. An information processing device, comprising a control unit, the control unit executing: receiving, from a user terminal, first information instructing output of information on a payment amount when re-signing for at least one of a first plan and a second plan after expiration of a lease contract period, the first plan being a contract plan for a lease contract for an object, incurring an initial fee when signing the lease contract and not incurring a mid-term cancellation fee during the lease contract period, and the second plan being a contract plan for a lease contract for an object, incurring no initial fee when signing the lease contract and incurring the mid-term cancellation fee during the lease contract period; setting the payment amount for each of the contract plans in the re-contract period so that the total amount of the payment amount in the re-contract period becomes higher when the contract plan is the second plan than when the contract plan is the first plan; as well as In response to the first information, information related to the payment amount in the re-contract period is transmitted to the user terminal.

2. The information processing device according to claim 1, wherein: The object is a car, The control unit also performs: The total amount of payment during the re-contracting period when a lease contract for a new car is signed through the second plan and the second plan is signed again after the lease contract period expires is higher than the total amount of payment during the re-contracting period when the lease contract for the new car is signed through the first plan and the first plan is signed again after the lease contract period expires, and is lower than the total amount of payment during the first period when a lease contract for a used car different from the new car is signed through the first plan during the first period that is the same as the re-contracting period.

3. The information processing device according to claim 1, wherein: The control unit also performs: The total amount of the payment during the combined period of the lease contract period and the re-contract period is calculated in accordance with (1) when the lease contract for the same period as the total period is signed at the time of the initial contract, the total amount of the payment for the second plan for the same period as the total period; (2) the total amount of the payment amount of the first plan during the total period, when the lease contract is signed for the lease contract period at the time of the initial contract signing and the lease contract is further signed for the same period as the re-contract period after the lease contract period expires; (3) When the lease contract is signed for the lease contract period at the initial signing time and the lease contract is further signed for the same period as the re-signing period after the lease contract period expires, the payment amount for each of the contract plans is set in a manner such that the total amount of the payment amount of the second plan in the total period becomes higher in order.

4. The information processing device according to claim 1, wherein: The control unit also performs: In the case where a lease contract for a period equal to the total period of the lease contract period and the re-contract period is signed at the time of the initial contract, the monthly amount of the payment amount of the second plan during the period equal to the re-contract period, and in the case where a lease contract for a period equal to the lease contract period is signed at the time of the initial contract and a lease contract for a period equal to the re-contract period is signed after the lease contract period expires, the monthly amount of the payment amount of the second plan during the re-contract period is set to the same amount.

5. The information processing device according to claim 1, wherein: further comprising a storage unit storing information on the payment amount during the lease contract period corresponding to each of the first plan and the second plan, The control unit performs: receiving second information from the user terminal, the second information instructing to output information related to the monthly amount of the payment amount during the re-contract period of at least one of the first plan and the second plan as the information related to the payment amount when re-contracting at least one of the first plan and the second plan; calculating the monthly amounts of the payment amounts of the first plan and the second plan during the re-contract period based on the information stored in the storage unit so that the total amount of the payment amount during the re-contract period is higher in the second plan than in the first plan; as well as In response to the second information, information related to the monthly amount of the payment amount is transmitted to the user terminal.

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