Vehicle rental financial management system

Abstract

The invention discloses a vehicle rental financial management system, which comprises a third-party management platform, a plurality of vehicle rental terminals and a plurality of vehicle rental user terminals, the third-party management platform comprises a vehicle information uploading module which is used for receiving vehicle information of vehicles to be rented uploaded from a plurality of vehicle renting terminals; the transaction data acquisition module is used for being connected to a second-hand car transaction system and acquiring second-hand car transaction data within a certain time period; the automatic evaluation module is used for estimating and evaluating the evaluation price of the to-be-rented vehicle in the vehicle information uploading module according to the vehicle information of the to-be-rented vehicle and the corresponding second-hand vehicle transaction data; and the rental calculation module is used for calculating the daily rental price of the target vehicle according to the evaluation price. According to the vehicle rental financial management system provided by the invention, the user and the vehicle renter are connected through the third-party platform, and the vehicle rental cost is determined according to the real-time value of the platform vehicle, so that the pricing transparency of the vehicle rental cost is improved, and the development of the vehicle rental industry is facilitated.

Description

Technical Field

[0001] This invention belongs to the field of car rental management technology, specifically relating to a vehicle rental financial management system. Background Technology

[0002] As an emerging transportation service industry in China, car rental is an important mode of transportation that meets the personalized travel and business needs of the people and ensures the smooth operation of major social events. It is also a crucial component of the comprehensive transportation system. Promoting the healthy development of the car rental industry is an important measure to transform the development mode of transportation and advance the development of modern transportation. It has significant practical implications for improving the comprehensive transportation system, transforming the development mode of road transportation, increasing the utilization efficiency of social resources such as vehicles, roads, and parking lots, driving the development of tourism, the automotive industry, and the financial and insurance industries, and improving the quality of life for the people.

[0003] The current car rental industry suffers from a lack of transparency in pricing, frequently resulting in exorbitant fees and instances of unethical overcharging. Furthermore, the industry typically operates on a direct-to-consumer basis, leaving renters' rights unprotected, which significantly hinders the development of the car rental market. Summary of the Invention

[0004] This invention provides a vehicle leasing financial management system to solve the aforementioned technical problems, specifically adopting the following technical solution:

[0005] A vehicle rental financial management system, comprising:

[0006] Third-party management platform;

[0007] Several vehicle rental terminals are provided, and car rental companies connect to the third-party management platform through the corresponding vehicle rental terminal and upload vehicle information of vehicles to be rented through the vehicle rental terminal.

[0008] Several car rental user terminals, through which car rental users connect to the third-party management platform;

[0009] The third-party management platform includes:

[0010] The vehicle information uploading module is used to receive vehicle information of vehicles available for rent uploaded from several of the vehicle rental terminals;

[0011] The transaction data acquisition module is used to connect to the used car trading system and acquire used car transaction data within a certain period of time.

[0012] An automatic evaluation module is used to estimate the evaluation price of the vehicle to be rented in the vehicle information upload module based on the vehicle information of the vehicle to be rented and the corresponding used car transaction data.

[0013] The rental calculation module is used to calculate the daily rental price of the target vehicle based on the assessed price;

[0014] The vehicle filtering module allows car rental users to filter for target vehicles based on filtering criteria.

[0015] The order module is used to allow car rental users to reserve the target vehicle;

[0016] The settlement module is used to calculate the total rental fee based on the usage of the car rental user.

[0017] Furthermore, the vehicle rental financial management system also includes:

[0018] The automatic evaluation module, before evaluating the appraised price, first determines the sample size of the used car transaction data corresponding to the vehicle to be rented. If the sample size is zero, the relevant data of the vehicle to be rented is transferred to the manual evaluation module for manual price evaluation. If the sample size is greater than or equal to a threshold, the automatic evaluation module evaluates the appraised price of the vehicle to be rented based on the vehicle information and the corresponding used car transaction data. If the sample size is less than the threshold but greater than zero, after evaluating the appraised price of the vehicle to be rented based on the vehicle information and the corresponding used car transaction data, the automatic evaluation module transfers the relevant data of the vehicle to be rented and the appraised price to the manual evaluation module, which then revises the appraised price evaluated by the automatic evaluation module.

[0019] Furthermore, the vehicle rental financial management system also includes:

[0020] Several GPS trackers are installed in each vehicle to be rented to detect the mileage of the vehicle. The GPS trackers communicate wirelessly with the third-party management platform and send the detection data to the third-party management platform.

[0021] The third-party management platform includes:

[0022] The control module is used to remotely start or stop the GPS locator;

[0023] The settlement module includes:

[0024] The first calculation unit is used to calculate the basic rental cost of the target vehicle based on the daily rental price and usage time.

[0025] The second calculation unit is used to calculate the depreciation rental cost based on the assessed price of the target vehicle and the mileage.

[0026] The basic lease cost and the depreciation lease cost together constitute the total lease cost.

[0027] Furthermore, the vehicle rental financial management system also includes:

[0028] Several vibration detectors are installed in each vehicle to be rented to detect the vibration data of the vehicle during the driving process. The vibration detectors communicate wirelessly with the third-party management platform and send the detection data to the third-party management platform.

[0029] The control module is also used to remotely start or stop the vibration detector;

[0030] The second calculation unit is used to calculate the depreciation rental fee based on the assessed price of the target vehicle, the mileage, and the vibration data.

[0031] Furthermore, the second calculation unit calculates the vibration coefficient based on the vibration data, and then calculates the depreciation rental fee based on the assessed price, the mileage, and the vibration coefficient.

[0032] Furthermore, the vehicle rental financial management system also includes:

[0033] Several acceleration sensors are installed in each rental vehicle to detect the acceleration value of the rental vehicle during the driving process. The acceleration sensors communicate wirelessly with the third-party management platform and send the detection data to the third-party management platform.

[0034] The control module is also used to remotely start or stop the acceleration sensor;

[0035] The second calculation unit is used to calculate the depreciation rental fee based on the assessed price of the target vehicle, the mileage, the acceleration value, and the vibration data.

[0036] Furthermore, the second calculation unit calculates the acceleration coefficient based on the vibration data, and then calculates the depreciation rental fee based on the assessed price, the mileage, the acceleration coefficient, and the vibration coefficient.

[0037] Furthermore, the settlement module also includes:

[0038] An accident cost assessment unit is used to assess the repair depreciation cost when the target vehicle is involved in an accident, and the total lease cost also includes the repair depreciation cost.

[0039] Furthermore, the third-party management platform also includes:

[0040] The first update module is used to update the vehicle information corresponding to the target vehicle based on the current usage of the target vehicle.

[0041] When the vehicle information of the target vehicle changes, the automatic evaluation module or the manual evaluation module re-evaluates the valuation price of the target vehicle.

[0042] Furthermore, the third-party management platform also includes:

[0043] The second update module is used to update the data of the corresponding vehicles to be rented based on the update data uploaded by the car rental company through the corresponding vehicle rental terminal.

[0044] When the vehicle information of the vehicle to be rented changes, the automatic evaluation module or the manual evaluation module re-evaluates the appraised price of the vehicle to be rented.

[0045] The advantage of this invention lies in the provision of a vehicle rental financial management system, which connects users and car rental companies through a third-party platform, and determines the rental fee based on the real-time value of the vehicles on the platform, thereby improving the transparency of car rental pricing and benefiting the development of the car rental industry. Attached Figure Description

[0046] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0047] Figure 1 This is a schematic diagram of a vehicle rental financial management system according to the present invention;

[0048] Figure 2 This is a schematic diagram of a third-party management platform for a vehicle rental financial management system according to the present invention. Detailed Implementation

[0049] The embodiments of this application are described in detail below. Examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals denote the same or similar elements or elements having the same or similar functions throughout. The embodiments described below with reference to the accompanying drawings are exemplary and intended to explain this application, and should not be construed as limiting this application.

[0050] like Figure 1 The image shows a vehicle rental financial management system according to this application, which includes: a third-party management platform, several vehicle rental terminals, and several car rental user terminals.

[0051] Car rental companies connect to a third-party management platform through their respective vehicle rental terminals and upload vehicle information for available rental vehicles. Understandably, car rental companies register as merchants on the third-party management platform by providing their business license, address, and other relevant information. They then upload complete vehicle information for available rental vehicles to the third-party management platform via their rental terminals. This complete vehicle information may include, but is not limited to, the vehicle's specific model, purchase date, mileage, images of the vehicle's exterior, and accident record information; this information will be used for subsequent vehicle valuation.

[0052] Car rental users connect to a third-party management platform through the user app. Similarly, users register as platform users by providing personal information and vehicle registration details. When a user needs to rent a car, they can search for the desired vehicle on the third-party management platform.

[0053] like Figure 2 As shown in the embodiments of this application, the third-party management platform includes: a vehicle information uploading module, a transaction data acquisition module, an automatic evaluation module, a rental calculation module, a vehicle screening module, an order placement module, and a settlement module.

[0054] Specifically, the vehicle information upload module receives vehicle information for vehicles available for rent from several vehicle rental platforms. The transaction data acquisition module connects to the used car trading system and retrieves used car transaction data within a certain time period. This time period can be set according to actual needs. In this application, this time period is set to one month.

[0055] The automatic valuation module estimates the appraised value of vehicles available for rent from the uploaded vehicle information module based on the vehicle information and corresponding used car transaction data. Understandably, a calculation period can be set for the automatic valuation module, such as three days or one week. At predetermined intervals, the automatic valuation module re-evaluates the vehicle price.

[0056] The rental calculation module calculates the daily rental price of the target vehicle based on the assessed price. The vehicle filtering module allows renters to filter for target vehicles according to their selection criteria. The order placement module allows renters to reserve target vehicles. The settlement module calculates the total rental cost based on the renter's usage.

[0057] It is understood that, in the embodiments of this application, the third-party management platform can obtain used car transaction data in real time from the used car transaction system connected to this vehicle rental financial management system. Then, it calculates an estimated valuation price in real time using the vehicle information of the vehicle to be rented, as well as the condition and transaction price of the same model. The specific calculation method can be set according to the actual situation, calculating parameters for different dimensions to obtain a more accurate valuation price. For example, vehicle information can be uniformly divided into several dimensions; here, the division standards of the used car transaction system and the third-party management platform are completely consistent. Thus, through the set calculation formula, dimensional coefficients can be calculated for different dimensions, ultimately combining all dimensions to obtain a valuation price. The rental fee of the vehicle is directly related to the value of the vehicle; the daily rental price of the vehicle can be directly calculated using the valuation price and preset calculation parameters. Furthermore, users can match target vehicles according to their needs by dimensions such as rental location, rental model, and rental price, and then place an order for the vehicle. After receiving the reservation information, the car rental company will transfer the vehicle to the user at the preset location and time. After the user completes their rental, the settlement module automatically calculates the total rental fee based on the user's usage. This allows car renters and rental companies to quickly complete rental transactions through a trusted third-party management platform, eliminating the cumbersome communication required between the renter and the rental company. Furthermore, there is no direct monetary transaction between the renter and the rental company; all fees are processed through the third-party platform.

[0058] Meanwhile, the vehicle rental financial management system proposed in this application calculates rental fees based on dynamic, real-time vehicle value, making rental fees more reasonable and transparent. This further standardizes the car rental market, increases user trust in the market, and promotes its development.

[0059] As a preferred implementation, the vehicle leasing financial management system also includes a manual assessment module.

[0060] Understandably, for some high-priced vehicles, the sample size of used car transaction data is limited. This reduces the relevance of the used car transaction data. A manual evaluation module can further improve the rationality of vehicle valuation. Specifically, before evaluating the price, the automatic evaluation module first determines the sample size of the used car transaction data corresponding to the vehicle to be rented. If the sample size is zero, the relevant data of the vehicle to be rented is transferred to the manual evaluation module for manual price evaluation. If the sample size is greater than or equal to a threshold, the automatic evaluation module evaluates the price of the vehicle to be rented based on the vehicle information and corresponding used car transaction data. If the sample size is less than the threshold but greater than zero, after evaluating the price of the vehicle to be rented based on the vehicle information and corresponding used car transaction data, the automatic evaluation module transfers the relevant data and the evaluation price of the vehicle to the manual evaluation module for revision of the price evaluated by the automatic evaluation module. Professionals from a third-party management platform then evaluate the vehicle's value based on vehicle information, limited sample data, and other dimensions of information.

[0061] As a preferred implementation, the vehicle rental financial management system also includes: several GPS locators.

[0062] Each GPS tracker is installed in each available rental vehicle to monitor its mileage. The GPS tracker wirelessly communicates with a third-party management platform and sends the monitored data to the platform. The third-party management platform also includes a control module. The control module is used to remotely activate or deactivate the GPS trackers. When a vehicle is transferred from the rental company to the rental user, the third-party platform receives the first transfer information and activates the GPS tracker on the vehicle via the control module. During the rental period, the GPS tracker uploads the vehicle's location information to the third-party platform in real time, thus obtaining mileage data. When the rental user returns the vehicle to the rental company after their rental period, the third-party platform receives the second transfer information and deactivates the GPS tracker on the vehicle via the control module.

[0063] In the real-time example of this application, the total rental cost includes a basic rental cost and a depreciation rental cost. The basic rental cost is equivalent to a minimum charge and is calculated on a daily basis. The depreciation rental cost is determined based on the user's usage intensity. Specifically, the settlement module includes a first calculation unit and a second calculation unit.

[0064] The first calculation unit calculates the basic rental cost of the target vehicle based on the daily rental price and usage time. The second calculation unit calculates the depreciation rental cost based on the appraised value and mileage of the target vehicle. The depreciation cost per kilometer can be calculated based on the appraised value using a preset coefficient; thus, once the mileage is obtained, the depreciation rental cost can be calculated directly.

[0065] By breaking down the total rental cost into a basic rental cost and a depreciation rental cost, it is beneficial to lower the barrier to car rental while ensuring reasonable profits for car rental companies based on the user's usage intensity.

[0066] As a preferred implementation, the vehicle rental financial management system also includes: several vibration detectors.

[0067] Several vibration detectors are installed in each available rental vehicle to detect vibration data during operation. These detectors communicate wirelessly with a third-party management platform and transmit the detected data there. A control module is also used to remotely activate or deactivate the vibration detectors. A second calculation unit calculates the depreciation rental cost based on the target vehicle's assessed value, mileage, and vibration data.

[0068] It is understandable that the condition of the road conditions during vehicle operation will cause varying degrees of wear and tear. In this application, to more scientifically calculate vehicle wear and tear costs, vibration data during vehicle operation is detected using a vibration detector. The lower the vibration data, the better the road conditions, indicating that the rental user is taking better care of the vehicle, resulting in less wear and tear.

[0069] Specifically, the second calculation unit fits a vibration coefficient based on mileage and vibration data, and then calculates the depreciation rental fee based on the assessed price, mileage, and vibration coefficient. For example, different coefficients can be set for different vibration values. Thus, based on the vibration data corresponding to different road segments within the total mileage, a total vibration coefficient can be fitted, and the depreciation rental fee is then calculated based on the assessed price, mileage, and vibration coefficient. For instance, the vibration values ​​can be set to three ranges: a coefficient of 1.0 for the first range, 1.2 for the second range, and 1.5 for the third range. Assuming a total mileage of 200 km, with vibration values ​​at 50 km in the first range, 50 km in the second range, and 100 km in the third range, the total vibration coefficient A = (50 × 1.0 + 50 × 1.2 + 100 × 1.5) ÷ 200 = 1.3. Further, the value calculated based on the assessed price and mileage of the target vehicle is multiplied by the vibration coefficient to obtain the final depreciation rental fee. It is understood that the method for calculating the vibration coefficient can be set according to actual needs, and this invention does not impose any limitations.

[0070] As a preferred implementation, the vehicle rental financial management system also includes: several acceleration sensors.

[0071] Several acceleration sensors are installed in each available rental vehicle to detect the vehicle's acceleration during operation. These sensors wirelessly communicate with a third-party management platform and transmit the detected data there. The control module also allows for remote activation or deactivation of the acceleration sensors. A second calculation unit calculates the depreciation rental cost based on the target vehicle's assessed price, mileage, acceleration values, and vibration data.

[0072] It is understandable that whether a car rental user drives the vehicle aggressively will cause varying degrees of damage. In this application, to more scientifically calculate vehicle damage costs, an accelerometer is used to detect acceleration data during vehicle operation. This acceleration data is used to determine whether the user is driving aggressively.

[0073] Specifically, the second calculation unit calculates the acceleration coefficient based on the vibration data, and then calculates the depreciation rental cost based on the assessed price, mileage, acceleration coefficient, and vibration coefficient. The acceleration coefficient is a comprehensive coefficient obtained by processing the acceleration data throughout the entire process using a preset processing method. It is understood that the method for calculating the acceleration coefficient can be set according to actual needs, and this invention does not impose any limitations.

[0074] As a more preferred implementation, after calculating the acceleration coefficient, the acceleration coefficient is calibrated according to the target vehicle model. Then, the depreciation rental cost is calculated based on the assessed price, mileage, calibrated acceleration coefficient, and vibration coefficient.

[0075] The aforementioned acceleration coefficient, calculated using a preset method, is based entirely on the detected vehicle acceleration data, without considering the vehicle's performance. However, it's understandable that the same acceleration data might be considered aggressive driving for a vehicle with average power, but within the normal driving range for a high-performance vehicle. Therefore, using a uniform standard for cost calculation could result in excessively high fees for performance cars. To make the calculation of depreciation rental fees more reasonable, the acceleration coefficient is corrected using calibration parameters specific to the vehicle model. For example, if the calculated acceleration coefficient is 1.5, for a general-performance model A, the calibration coefficient is 1, resulting in a corrected acceleration coefficient of 1.5. For a high-performance model B, the calibration coefficient is 0.8, resulting in a corrected acceleration coefficient of 1.2. As the corrected acceleration coefficient decreases, the final calculated depreciation rental fee is lower compared to the uncorrected case. It's understood that the calibration parameters are preset according to the vehicle model.

[0076] As a preferred implementation, the total rental fee also includes depreciation costs. The settlement module further includes an accident cost assessment unit. This unit is used to assess depreciation costs when the target vehicle is involved in an accident. When a rental user is involved in an accident or scratch that damages the vehicle, the third-party platform determines the cost based on the severity of the accident according to pre-set rules.

[0077] As a preferred implementation, the third-party management platform also includes: a first update module.

[0078] The first update module updates the vehicle information based on the current usage of the target vehicle. The automatic or manual evaluation module re-evaluates the target vehicle's price when its information changes.

[0079] It is understandable that the value of a vehicle will change after each use due to user activity. For example, higher mileage can significantly impact a vehicle's value. In this application, each time the vehicle is returned, the third-party platform will reassess its value based on the vehicle's current mileage data.

[0080] As a preferred implementation, the third-party management platform also includes a second update module.

[0081] The second update module updates the data of the available rental vehicles based on the updated data uploaded by the car rental company through the corresponding vehicle rental platform. An automatic evaluation module or a manual evaluation module re-evaluates the price of the available rental vehicles when the vehicle information changes.

[0082] It is understandable that even if a vehicle is not rented, the rental company may still use it during the rental period. To ensure the accuracy of the third-party platform's assessment, the rental company is obligated to update the vehicle information promptly if significant changes occur due to the rental company's use of the vehicle. If the movement is only a small distance and the data changes are minor, an update is not necessary. When transferring the target vehicle to the rental user, the rental user needs to verify the vehicle information, such as mileage and paint condition, to ensure it matches the data displayed on the third-party platform.

[0083] The foregoing has shown and described the basic principles, main features, and advantages of the present invention. Those skilled in the art should understand that the above embodiments do not limit the present invention in any way, and all technical solutions obtained by equivalent substitution or equivalent transformation fall within the protection scope of the present invention.

Claims

1. A vehicle leasing financial management system, characterized in that, Include: Third-party management platform; Several vehicle rental terminals are provided, and car rental companies connect to the third-party management platform through the corresponding vehicle rental terminal and upload vehicle information of vehicles to be rented through the vehicle rental terminal. Several car rental user terminals, through which car rental users connect to the third-party management platform; The third-party management platform includes: The vehicle information uploading module is used to receive vehicle information of vehicles available for rent uploaded from several of the vehicle rental terminals; The transaction data acquisition module is used to connect to the used car trading system and acquire used car transaction data within a certain period of time. An automatic evaluation module is used to estimate the evaluation price of the vehicle to be rented in the vehicle information upload module based on the vehicle information of the vehicle to be rented and the corresponding used car transaction data. The rental calculation module is used to calculate the daily rental price of the target vehicle based on the assessed price; The vehicle filtering module allows car rental users to filter for target vehicles based on filtering criteria. The order module is used to allow car rental users to reserve the target vehicle; The settlement module is used to calculate the total rental fee based on the usage of the car rental user.

2. The vehicle leasing financial management system according to claim 1, characterized in that, The vehicle rental financial management system also includes: The automatic evaluation module, before evaluating the appraised price, first determines the sample size of the used car transaction data corresponding to the vehicle to be rented. If the sample size is zero, the relevant data of the vehicle to be rented is transferred to the manual evaluation module for manual price evaluation. If the sample size is greater than or equal to a threshold, the automatic evaluation module evaluates the appraised price of the vehicle to be rented based on the vehicle information and the corresponding used car transaction data. If the sample size is less than the threshold but greater than zero, after evaluating the appraised price of the vehicle to be rented based on the vehicle information and the corresponding used car transaction data, the automatic evaluation module transfers the relevant data of the vehicle to be rented and the appraised price to the manual evaluation module, which then revises the appraised price evaluated by the automatic evaluation module.

3. The vehicle leasing financial management system according to claim 1, characterized in that, The vehicle rental financial management system also includes: Several GPS trackers are installed in each vehicle to be rented to detect the mileage of the vehicle. The GPS trackers communicate wirelessly with the third-party management platform and send the detection data to the third-party management platform. The third-party management platform includes: The control module is used to remotely start or stop the GPS locator; The settlement module includes: The first calculation unit is used to calculate the basic rental cost of the target vehicle based on the daily rental price and usage time. The second calculation unit is used to calculate the depreciation rental cost based on the assessed price of the target vehicle and the mileage. The basic lease cost and the depreciation lease cost together constitute the total lease cost.

4. The vehicle leasing financial management system according to claim 4, characterized in that, The vehicle rental financial management system also includes: Several vibration detectors are installed in each vehicle to be rented to detect the vibration data of the vehicle during the driving process. The vibration detectors communicate wirelessly with the third-party management platform and send the detection data to the third-party management platform. The control module is also used to remotely start or stop the vibration detector; The second calculation unit is used to calculate the depreciation rental fee based on the assessed price of the target vehicle, the mileage, and the vibration data.

5. The vehicle leasing financial management system according to claim 4, characterized in that, The second calculation unit calculates the vibration coefficient based on the vibration data, and then calculates the depreciation rental fee based on the assessed price, the mileage, and the vibration coefficient.

6. The vehicle leasing financial management system according to claim 5, characterized in that, The vehicle rental financial management system also includes: Several acceleration sensors are installed in each rental vehicle to detect the acceleration value of the rental vehicle during the driving process. The acceleration sensors communicate wirelessly with the third-party management platform and send the detection data to the third-party management platform. The control module is also used to remotely start or stop the acceleration sensor; The second calculation unit is used to calculate the depreciation rental fee based on the assessed price of the target vehicle, the mileage, the acceleration value, and the vibration data.

7. The vehicle leasing financial management system according to claim 6, characterized in that, The second calculation unit calculates the acceleration coefficient based on the vibration data, and then calculates the loss rental fee based on the assessed price, the mileage, the acceleration coefficient, and the vibration coefficient.

8. The vehicle leasing financial management system according to claim 1, characterized in that, The settlement module also includes: An accident cost assessment unit is used to assess the repair depreciation cost when the target vehicle is involved in an accident, and the total lease cost also includes the repair depreciation cost.

9. The vehicle leasing financial management system according to claim 1, characterized in that, The third-party management platform also includes: The first update module is used to update the vehicle information corresponding to the target vehicle based on the current usage of the target vehicle. When the vehicle information of the target vehicle changes, the automatic evaluation module or the manual evaluation module re-evaluates the valuation price of the target vehicle.

10. The vehicle leasing financial management system according to claim 2, characterized in that, The third-party management platform also includes: The second update module is used to update the data of the corresponding vehicles to be rented based on the update data uploaded by the car rental company through the corresponding vehicle rental terminal. When the vehicle information of the vehicle to be rented changes, the automatic evaluation module or the manual evaluation module re-evaluates the appraised price of the vehicle to be rented.

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