Information processing device

Abstract

To improve the satisfaction of a user who performs a lease contract.SOLUTION: An information processing device includes a control part 110 for executing: the reception of first information to instruct to output information about a payment amount from a user terminal 200 in the case of re-contracting after the termination of the lease contract period, at least either a first plan in which an initial cost occurs at the time of a lease contract and a mid-course cancellation fee does not occur during the lease contract period or a second plan in which the initial cost does not occur at the time of a lease contract and the mid-course cancellation fee occurs during the lease contract period, the first plan and the second plan each being a contrast plan of a lease contract to an object; the setting of a payment amount for each contract plan in a re-contract period so as to make the total amount of the payment amount in the re-contact period higher when a contract plan is the second plan than when the contract plan is the first plan; and the transmission of the information about the payment amount in the re-contact period to the user terminal 200 in response to the first information.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present disclosure relates to techniques for presenting payment amounts in lease contracts. [Background technology]

[0002] There are many known techniques for presenting the payment amount when leasing an item to a user. In this regard, Patent Document 1 discloses a method for creating a lease plan that calculates a lease fee by subtracting the cost to be collected in a shorter set period from the cost to be collected in the entire lease period, as the cost to be collected from the expiration of the set period to the expiration of the entire lease period. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2003-067659 A Summary of the Invention [Problem to be solved by the invention]

[0004] The present disclosure aims to improve the satisfaction of users who enter into leasing contracts. [Means for solving the problem]

[0005] One aspect of the present disclosure is to An information processing device including a control unit that executes the following steps: receives from a user terminal first information instructing the device to output information regarding the payment amount when re-contracting, after expiration of a lease contract period, at least one of a first plan, which is a contract plan for a lease contract for an object, in which an initial fee is incurred at the time of entering into the lease contract and no early termination fee is incurred during the lease contract period, and a second plan, which is a contract plan in which the initial fee is not incurred at the time of entering into the lease contract and no early termination fee is incurred during the lease contract period; sets the payment amount for each contract plan during the re-contract period so that the total amount of the payment amount during the re-contract period is higher when the contract plan is the second plan than when the contract plan is the first plan; and transmits information regarding the payment amount during the re-contract period to the user terminal in response to the first information.

[0006] Other aspects include an apparatus that executes the above program, a method that is realized by executing the above program, or a computer-readable storage medium that non-transiently stores the program. Effect of the Invention

[0007] According to the present disclosure, it is possible to improve the satisfaction of users who enter into leasing contracts. [Brief description of the drawings]

[0008] [Figure 1] FIG. 4 is a conceptual diagram of a process implemented by a server device according to the embodiment. [Diagram 2] 13 is a diagram showing the relationship between the payment amounts of a general contract plan and the payment amounts of a changed contract plan. [Diagram 3] FIG. 2 is a diagram illustrating components of a system including a server device according to an embodiment. [Figure 4] 5 is a flowchart of a process executed by a control unit of the server device according to the embodiment. [Diagram 5] 11 is a diagram showing the magnitude relationship of payment amounts of contract plans set by the server device according to the embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] 2. Description of the Related Art Systems are known that calculate and present a monthly payment amount based on a contract plan selected by a user when entering into a lease contract for a contract object (for example, a vehicle).

[0010] For example, it is possible to set a first period that is shorter than the entire lease period (total lease period), and present a plan in which the monthly payment amount for the period from the expiration of the first period to the expiration of the total lease period is lower than the monthly payment amount for the first period. In this way, the system can improve the satisfaction of users who use the same vehicle for a long period of time by lowering the payment amount midway.

[0011] However, there are cases where a user wishes to re-contract the same lease contract after the expiration of the entire lease period. For example, after the expiration of the entire lease period, the user may wish to re-contract the lease contract because the delivery date for the vehicle to which the user wishes to transfer is long or there is no new vehicle to which the user wishes to transfer. In this case, depending on the content of the contracted plan, there may be cases where user satisfaction decreases.

[0012] The information processing device of the present disclosure sets the payment amount so that the total payment amount during the re-contract period after the expiration of the entire lease period is higher for a contract plan that does not incur an initial fee and incurs an early termination fee than for a contract plan that incurs an initial fee but does not incur an early termination fee. Then, in response to a request from the user terminal, the information processing device transmits information regarding the payment amount for the contract plan to the user terminal.

[0013] An information processing device according to an embodiment of the present disclosure includes: The control unit receives from a user terminal first information instructing the output of information regarding the payment amount when re-contracting after expiration of a lease contract period for at least one of a first plan, which is a contract plan for a lease contract for an object, in which an initial fee is incurred at the time of entering into the lease contract and no early termination fee is incurred during the lease contract period, and a second plan, which is a contract plan for a lease contract for an object, in which the initial fee is incurred at the time of entering into the lease contract and no early termination fee is incurred during the lease contract period; sets the payment amount for each contract plan during the re-contract period so that the total amount of the payment amount during the re-contract period is higher when the contract plan is the second plan than when the contract plan is the first plan; and transmits information regarding the payment amount during the re-contract period to the user terminal in response to the first information.

[0014] The first plan is a contract plan for a lease agreement for the subject matter of lease, in which an initial fee is incurred at the time of entering into the lease agreement, and no early termination fee is incurred if the lease agreement is terminated before the end of the lease contract period.

[0015] The second plan is a contract plan for a lease agreement for the subject matter of lease, in which no initial costs are incurred at the time of entering into the lease agreement, and in which an early termination fee is incurred if the lease agreement is terminated before the end of the lease contract period.

[0016] The user terminal is a terminal that accesses an information processing device according to an embodiment of the present disclosure in order to obtain information regarding the payment amount of a contract plan when a user enters into a lease contract for an object. The user terminal is typically a smartphone, a tablet terminal, a wearable terminal, a personal computer, or the like.

[0017] The lease contract period is the contract period when a user enters into a lease contract for an object. A lease contract expires after a specified contract period, such as 3 or 5 years.

[0018] The renewal contract period is the new contract period when a user re-signs with a lease contract for the same object with the same contract plan as the expired lease contract when the lease contract period of the object expires. The renewal contract period starts after the lease contract period expires.

[0019] The first information is information instructing the user to output information regarding the payment amount in the case of re-contracting after the expiration of the lease contract period. The first information is transmitted from the user terminal to the information processing device according to an embodiment of the present disclosure.

[0020] In a typical vehicle lease contract, there may be available a plan (called the first plan) in which the contract period can be extended by re-contracting, but which has a higher monthly fee and total payment amount than the second plan, and a plan (called the second plan) in which the contract period cannot be extended by re-contracting, but which has a lower monthly fee and total payment amount than the first plan. The first plan does not require an early termination fee but does require an initial fee, and so the total payment amount is often higher (unless the lease contract is terminated during the lease contract period) than the second plan, which requires an early termination fee but no initial fee.

[0021] However, due to the extended delivery time of vehicles, there may be cases where the user is unable to prepare the next vehicle in a short time when the lease contract expires. In order to deal with this, it is expected that the second plan, which does not allow for contract extension by re-contracting, will allow the contract period to be extended by re-contracting so that the existing vehicle can be used continuously.

[0022] However, if re-contracting under the second plan were allowed, a user who re-contracted under the first plan, which is more expensive than the second plan in both monthly and total payment amounts, would be at a disadvantage in terms of payment amount compared to a user who re-contracted under the second plan.Setting payment amounts in this way may cause dissatisfaction among users who have been paying higher monthly and total payment amounts in anticipation of re-contracting.

[0023] 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 for the second plan is higher than the total payment amount during the re-contract period for the first plan.

[0024] In addition, the control unit transmits information on the payment amount during the contract renewal 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 for the first plan or the second plan to the user terminal in response to the first information.

[0025] As a result, the information processing device according to an embodiment of the present disclosure can correct the sense of unfairness in the financial burden when a contract is renewed between a user who has paid a higher amount in advance in anticipation of a contract renewal and the other users. Therefore, the information processing device according to an embodiment of the present disclosure can improve the satisfaction of users who enter into lease contracts.

[0026] In addition, the object may be an automobile, and the control unit may further execute the following: when a new car is leased under the second plan and the second plan is re-contracted after the lease contract period expires, the total payment amount during the re-contract period is higher than the total payment amount during the re-contract period when the new car is leased under the first plan and the first plan is re-contracted after the lease contract period expires, and the total payment amount during the first period is lower than the total payment amount during the first period when a used car, different from the new car, is leased under the first plan during a first period that is the same period as the re-contract period.

[0027] This allows you to buy a vehicle at a lower price than if you were to re-lease the same vehicle. This will help you avoid the situation where you end up paying less if you return the car and re-lease the used car.

[0028] The user can also enter into a lump-sum contract for the same period as the total period of the lease contract period and the re-contract period under the second plan. In this case, the user enters into a lump-sum contract for the total period under the cheaper second plan with the intention of using the lease vehicle for a long period from the beginning. Therefore, it is desirable to set the total payment amount for the lump-sum contract under the second plan for the total period lower than the total payment amount for the first plan when re-contracting after the lease contract period expires.

[0029] Therefore, the control unit may further execute setting the payment amount for each contract plan so that the total amount of payment for the total period of the lease contract period and the re-contract period increases in the following order: (1) the total amount of payment for the second plan for the same period as the total period when the lease contract for the same period as the total period is made at the time of the initial contract, (2) the total amount of payment for the first plan for the total period when the lease contract for the lease contract period is made at the time of the initial contract and, after the expiration of the lease contract period, the lease contract for the same period as the re-contract period is made, and (3) the total amount of payment for the second plan for the total period when the lease contract for the lease contract period is made at the time of the initial contract and, after the expiration of the lease contract period, the lease contract for the same period as the re-contract period is made.

[0030] As a result, the information processing device according to an embodiment of the present disclosure can minimize the payment amount when the longest lease contract is made at the time of the initial contract. Therefore, the information processing device according to an embodiment of the present disclosure can improve user satisfaction by setting a reasonable payment amount.

[0031] In addition, the control unit may further execute the following: setting to the same amount the monthly payment amount for the second plan for a period that is the same as the re-contract period, when a lease contract for a period that is the same as the combined period of the lease contract period and the re-contract period is made at the time of the initial contract, and the same amount the monthly payment amount for the second plan for the re-contract period, when a lease contract for a period that is the same as the lease contract period is made at the time of the initial contract and, after expiration of the lease contract period, a further lease contract for a period that is the same as the re-contract period.

[0032] As a result, the information processing device according to an embodiment of the present disclosure can set the monthly payment amount for the second plan to the same amount when a lease contract of the same period as the total period combining the lease contract period and the re-contract period is made at the time of the initial contract and when a contract for a further re-contract period is made after the expiration of the lease contract period. Therefore, the information processing device according to an embodiment of the present disclosure can improve user satisfaction by setting a contract plan that is easy for users to understand.

[0033] An information processing device according to one embodiment of the present disclosure further includes a memory unit that stores information regarding the payment amounts during the lease contract period corresponding to each of the first plan and the second plan, and the control unit may receive second information from the user terminal instructing the control unit to output information regarding the monthly payment amounts during the re-contract period for at least one of the first plan and the second plan as information regarding the payment amounts when re-contracting for at least one of the first plan and the second plan, calculate the monthly payment amounts for the first plan and the second plan during the re-contract period based on the information stored in the memory unit so that the total payment amount during the re-contract period is higher for the second plan than for the first plan, and transmit the information regarding the monthly payment amounts to the user terminal in response to the second information.

[0034] That is, the information processing device may provide the user terminal with information regarding the monthly payment amount during the contract renewal period based on the stored information.

[0035] Specific embodiments of the present disclosure will be described below with reference to the drawings. Unless otherwise specified, the hardware configuration, module configuration, functional configuration, and the like described in each embodiment are not intended to limit the technical scope of the disclosure to only those.

[0036] (Embodiment) An overview of the processing performed by the server device according to the embodiment will be described with reference to FIG. 1. FIG. 1 is a conceptual diagram of the processing realized by the server device 100 according to the embodiment. In this embodiment, the server device 100 communicates with a user terminal 200. The server device 100 is a computer that provides online information related to a contract for a new or used car leasing service in response to a request from the user terminal 200. A user who uses the online leasing service accesses a leasing site (a website for concluding a vehicle leasing contract) through a web browser of the user terminal 200 and applies for a vehicle lease. The vehicle is a new car or a used car. The used car includes a previously leased vehicle and a rental car. At this time, the server device 100 provides the user terminal 200 with information regarding the amount to be paid by the user as information regarding the lease service contract.

[0037] In this embodiment, a first plan and a second plan are set as plans in a vehicle lease contract. The server device 100 sets the payment amount for each contract plan including the first plan and the second plan.

[0038] Here, the first plan is a contract plan in which an initial fee is incurred when leasing a vehicle, and no early termination fee is incurred when the lease contract is terminated midway through the lease contract period. The initial fee is the payment amount that the user is required to pay initially when entering into a lease contract. The initial fee is a payment amount that is paid separately from the payment amount (e.g., the monthly lease fee) that the user pays every specified period. The user can contract the first plan on the condition that the initial fee is paid. The early termination fee is a payment amount that is required to be paid if the user cancels the lease contract before the expiration of the lease contract period. The user does not need to pay the early termination fee when canceling the first plan. In addition, the user is required to pay, for example, a monthly amount corresponding to the first plan every month.

[0039] The second plan is a plan in which no initial fee is incurred when leasing a vehicle, and a cancellation fee is incurred when the lease contract is terminated midway through 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 cancellation fee if the user terminates the second plan midway through. In addition, for example, the user is required to pay a monthly fee corresponding to the second plan every month.

[0040] In this embodiment, the server device 100 sets the payment amount when re-contracting after the expiration of the lease contract period for the first plan or the second plan so that the total payment amount for the second plan during the re-contract period is higher than the total payment amount for the first plan during the re-contract period.

[0041] This will now be described in detail. Figure 2(a) shows the relationship between the payment amounts of common contract plans for vehicle leasing. Each rectangle in the figure represents a larger or smaller payment amount for a contract. In this embodiment, the first plan (cancellation fee free plan) is a plan that allows only a three-year contract period to be selected, and the contract period can be extended by an additional two years by re-contracting. In contrast, the second plan (no initial fee plan) allows customers to choose a contract period of 3, 5, or 7 years, and does not allow the contract period to be extended by re-contracting. As shown in FIG. 2(a), the first plan lease contract (3 years) has a higher total payment amount than the second plan lease contract (3 years). However, the user can re-contract for the same plan (for example, for 2 years) after the contract expires. In contrast, the second plan does not allow users to re-contract after the lease contract period (3 years) expires, but the monthly fee and total payment amount are kept low.

[0042] On the other hand, if delivery times for new cars are extended due to disruptions to the supply chain, users whose contracts under the second plan expire may find themselves in a situation where they are unable to switch to a new vehicle or renew their contracts. In such a case, in order to provide relief to the user, it may be possible to make it possible for the user to re-contract under the second plan after the lease contract period expires. In this case, if the previous payment amount is kept the same and the second plan is simply extended for two years by re-contracting, the relationship between the payment amounts will be as shown in Figure 2(b). In this case, if you re-contract for an additional two years under the second plan after the end of the lease contract period (three years) under the second plan, the total amount paid will be lower than if you re-contract for an additional two years under the first plan after the end of the lease contract period (three years) under the first plan.

[0043] However, it is assumed that users who select the first plan take into account the benefit of being able to renew the contract at the beginning of the lease contract and select the first plan, which has a higher payment amount than the second plan, which does not allow for renewing the contract. However, if it becomes possible to re-contract for the second plan, users will be able to continue the contract at a lower price for the same period as if they had re-contracted for the first plan. In other words, there will be a difference in the payment amount between a user who selects the second plan from the beginning of the contract and then re-contracts for the second plan and a user who selects the first plan and then re-contracts for the first plan. In order to correct this, it is preferable to set the total payment amount for the first plan in the case of re-contracting lower than the total payment amount for the second plan in the case of re-contracting. This can improve the satisfaction of users who have signed contracts under the first plan from the beginning.

[0044] The server device 100 receives a request from the user terminal 200 to output information regarding the payment amount of the contract plan (first plan or second plan) that the user will re-contract after the expiration of the lease contract period. In response to the request, the server device 100 transmits information regarding the payment amount of the contract plan (first plan or second plan) set above to the user terminal 200.

[0045] Next, a detailed description will be given of each element constituting a system including the server device 100. Fig. 3 is a diagram illustrating components of a system including the server device 100 according to an embodiment.

[0046] The server device 100 according to this 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.

[0047] The control unit 110 includes a CPU (Central Processing Unit) and is realized by a processor such as a GPU (Graphics Processing Unit) and a memory. The control unit 110 includes a receiving unit 111, a setting unit 112, and a transmitting unit 113 as functional modules. These functional modules may be realized by the control unit 110 executing a program.

[0048] The receiving unit 111 receives first information which is a request to instruct the user terminal 200 to output information on the monthly payment amount for the contract plan (first plan or second plan) related to the contract renewal. The receiving unit 111 also receives second information which is a request to instruct the user terminal 200 to output information on the monthly payment amount for the contract plan (first plan or second plan) related to the contract renewal. The receiving unit 111 receives the first information or the second information transmitted from the user terminal 200 via the communication unit 130.

[0049] The setting unit 112 sets the payment amount for the contract plan in the re-contract period when the contract plan is renewed after the expiration of the lease contract period of the contract plan. Specifically, the setting unit 112 sets the payment amount for the contract plan (total payment amount and monthly payment amount) so that the total amount of the payment amount for the second plan in the re-contract period is higher than the total amount of the payment amount for the first plan in the re-contract period.

[0050] In this example, the setting unit 112 sets the payment amount for the first plan during the contract renewal period so that the total amount of the payment for the second plan during the contract renewal period is higher than the total amount of the payment for the first plan during the contract renewal period, but the method of setting the payment amount is not limited to this. Other examples of the method of the setting unit 112 setting the payment amount will be described later.

[0051] The transmission unit 113 transmits information regarding the payment amount for the contract plan during the re-contract period to the user terminal 200 in response to the first information based on the payment amount for the contract plan set by the setting unit 112. After the reception unit 111 receives the first information, the transmission unit 113 transmits information regarding the payment amount for the contract plan to the user terminal 200.

[0052] Furthermore, in response to the second information, the transmitting unit 113 transmits to the user terminal 200 information regarding the monthly payment amount for the contract plan during the re-contract period, based on the monthly payment amount for the contract plan set by the setting unit 112. After the receiving unit 111 receives the second information, the transmitting unit 113 transmits to the user terminal 200 information regarding the monthly payment amount for the contract plan.

[0053] The storage unit 120 is a main storage device such as a RAM or a ROM, an EPROM, a hard disk drive, and an auxiliary storage device such as a removable medium. An operating system (OS), various programs, various tables, and the like are stored in the auxiliary storage device, and by executing the programs stored therein, each function that matches the predetermined purpose of each part of the control unit 110 can be realized. However, some or all of the functions may be realized by a hardware circuit such as an ASIC or an FPGA.

[0054] The storage unit 120 stores data used or generated in the processing performed by the control unit 110. The storage unit 120 may also store information related to the payment amount during the lease contract period corresponding to each of the first plan and the second plan. The storage unit 120 may also store data related to the standard for calculating the payment amount for the first plan, the second plan, etc.

[0055] The communication unit 130 is configured with a communication circuit that performs wireless communication. For example, the communication unit 130 may be a communication circuit that performs wireless communication using 4G (4th Generation) or a communication circuit that performs wireless communication using 5G (5th Generation). The communication unit 130 may also be a communication circuit that performs wireless communication using LTE (Long Term Evolution). It may be a communication circuit that performs wireless communication, or an LPWA (Low Power Wide Area) The communication unit 130 may be a communication circuit that performs communication using a standard wireless communication area (Wi-Fi).

[0056] Next, devices other than the server device 100 will be described. The user terminal 200 is a terminal that accesses a leasing site (a website for concluding a vehicle leasing contract) through a web browser. For example, the user terminal 200 may be a smartphone, a tablet terminal, a personal computer, or the like. The user terminal 200 communicates with the server device 100 and transmits the first information or the second information. Then, the user terminal 200 receives information on the payment amount for the contract plan or information on the monthly payment amount for the contract plan from the server device 100. The user terminal 200 may output the received information on the payment amount for the contract plan or information on the monthly payment amount for the contract plan to a display unit or the like of the user terminal 200.

[0057] Next, a specific content of the process performed by the server device 100 according to the embodiment will be described below. Fig. 4 is a flowchart of the process executed by the control unit 110 of the server device 100 according to the embodiment.

[0058] The process shown in FIG. 4 is started when a user accesses the server device 100 via the user terminal 200 in order to renew a vehicle lease contract.

[0059] First, in step S10, the receiving unit 111 receives first information which is information instructing the user to output information related to the payment amount when re-contracting for the first plan or the second plan. The receiving unit 111 receives the first information from the user terminal 200. Alternatively, the receiving unit 111 may receive second information which is information instructing the user to output information related to the monthly payment amount when re-contracting for the first plan or the second plan from the user terminal 200.

[0060] Next, in step S11, when the receiving unit 111 receives the first information, the setting unit 112 sets the total amount to be paid for the first plan and the second plan during the re-contract period when the user re-contracts for the first plan or the second plan. In addition, when the receiving unit 111 receives the second information, the setting unit 112 may set the monthly payment amounts for the first plan and the second plan during the re-contract period when the user re-contracts for the first plan or the second plan.

[0061] Next, in step S12, when the receiving unit 111 receives the first information, the transmitting unit 113 transmits information regarding the payment amount in the re-contract 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.

[0062] Alternatively, in step S12, when the receiving unit 111 receives the second information, the transmitting unit 113 transmits information regarding the monthly 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.

[0063] In step S11 described above, the setting unit 112 may set the total amount of the payment for the first plan and the second plan during the contract renewal period as follows.

[0064] 5 is a diagram showing the magnitude relationship of 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.

[0065] As described above, the setting unit 112 can set the total amount of payment during the re-contract period so that the total amount of payment during the re-contract period when the user re-contracts with the second plan (FIG. 5(C)) is higher than the total amount of payment during the re-contract period when the user re-contracts with the first plan (FIG. 5(B)). This can be achieved, for example, by discounting the payment amount (symbol 501) during the re-contract period (two years) of the first plan from the initial amount. The setting unit 112 may set only the total amount of the payment, or may set the monthly amount of the payment during the contract renewal period.

[0066] By setting the payment amounts as described above, for example, the total payment amount for the combined period of the lease contract period (3 years) and renewal period (2 years) of the second plan will be higher than the total payment amount for the combined period of the lease contract period (3 years) and renewal period (2 years) of the first plan. Note that the total payment amount for the lease contract period (5 years) of the second plan may be lower than the total payment amount for the combined period of the lease contract period (3 years) and renewal period (2 years) of the first plan.

[0067] In the above method, the payment amount (502) during the renewal period of the second plan is set higher than the payment amount (501) during the renewal period of the first plan. On the other hand, if a new lease contract is made for a different used car after the lease contract expires, the total amount of the new lease contract for the different used car may be lower than the amount paid in FIG. 5(B). Therefore, the setting unit 112 may set the total payment amount in the case of making a lease contract for another used car in the first period higher than the total payment amount in the re-contract period after the expiration of the lease contract period under the second plan. Here, the first period is the same period as the re-contract period. A new lease contract for a used car is made under the first plan or the second plan.

[0068] By setting the payment amounts as described above, for example, the total payment amount for the combined period of the second plan's lease contract period (3 years) and the new used car lease contract period (2 years) (Figure 5(D)) will be higher than the total payment amount for the combined period of the second plan's lease contract period (3 years) and the renewal period (2 years) (Figure 5(C)).

[0069] In the above method, the payment amount (symbol 501) during the re-contract period of the first plan is set lower than the payment amount (symbol 502) during the re-contract period of the second plan. On the other hand, if the total payment amount when re-contracting the first plan (FIG. 5(B)) is lower than the total payment amount when contracting for five years with the second plan from the beginning (FIG. 5(A)), an imbalance in financial burden will occur between users who have contracted for five years with the second plan from the beginning. Therefore, the setting unit 112 may set the total payment amount for the re-contract period of the first plan so that the total payment amount for the total period of the first plan, in which a lease contract period is contracted at the time of the initial contract and a re-contract period is contracted after expiration, is higher than the total payment amount for the second plan, in which a lease contract period is contracted at the time of the initial contract and a re-contract period is contracted after expiration. Here, the total period refers to the total period (5 years) of the initial lease contract period (3 years) and the re-contract period (2 years). The total payment amount for the second plan, in which a lease contract for a total period is contracted at the time of the initial contract, refers to the total payment amount for the second plan for that period when a lease contract for the same period (5 years) as the total period is contracted at the time of the initial contract.

[0070] The setting unit 112 sets the monthly payment amount of the second plan in the case where a lease contract for a total period (five years) is made at the time of the initial contract, and the monthly payment amount of the second plan in the case where a lease contract for a lease contract period (three years) is made at the time of the initial contract. The monthly payment amount may be set to the same amount as the monthly payment amount for the second plan in the case of entering into a lease contract for a renewed contract period (two years) after expiration. Here, the monthly payment amount refers to the monthly payment amount for the renewed contract period in both cases. The monthly payment amount refers to the total payment amount for the contract period such as the lease contract period, renewed contract period, or total period in each contract plan, divided by the number of months in the corresponding contract period. The monthly payment amount may be adjusted so that the monthly payment amount is higher in certain months such as bonus months. By setting the payment amounts as described above, the total amount of payment for the second plan when signing a contract for the initial total period will be lower than the total amount of payment for the first plan for the total period when signing a contract for the initial lease contract period and then signing a contract for the re-contract period after the contract expires.

[0071] As described above, the server device 100 sets the payment amount during the contract renewal period so that the total payment amount during the contract renewal period is lower when the contract plan is the first plan than when the contract plan is the second plan. A user who selects the first plan is a user who selects a more expensive plan in consideration of the possibility of extending the contract period, but the server device 100 of this embodiment can set a payment amount so that such users do not feel that it is unfair.

[0072] In addition, the server device 100 sets the total payment amount during the re-contract period to be higher when a new lease contract for a used car is made than when a new car is re-contracted under the first or second plan. This makes it possible for the server device 100 to avoid a situation in which the total payment amount is lower when the leased vehicle is returned and a new lease contract for a different used car is made than when a new contract is made under the same contract plan after the expiration of the lease contract period.

[0073] In addition, the server device 100 sets the payment amount so that the total payment amount for the total period is higher when a lease contract is newly made for the same period as the re-contract period after the lease contract period has expired than when a lease contract is made for a period that combines the initial lease contract period and the re-contract period at the time of the initial contract. This allows the server device 100 of the present disclosure to avoid setting an unreasonable payment amount such that the total payment amount is lower when a lease contract is newly made after the lease contract period has expired than when a long-term lease contract is made in advance that combines the lease contract period and the re-contract period. Therefore, the server device 100 of the present disclosure can improve the satisfaction of users who make lease contracts.

[0074] (Modification) The above-described embodiment is merely an example, and the present disclosure can be modified and implemented as appropriate without departing from the spirit and scope of the present disclosure.

[0075] For example, the processes and means described in this disclosure can be freely combined and implemented as long as no technical contradiction occurs.

[0076] Furthermore, 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, the hardware configuration (server configuration) by which each function is realized can be flexibly changed.

[0077] In the present embodiment, an example has been described in which the subject of the lease contract is a vehicle, but the subject of the lease contract may be any object. For example, the subject of the lease contract may be a machine, furniture, or fixtures.

[0078] The present disclosure provides a method for providing a computer program that implements the functions described in the above embodiments to a computer, and for causing one or more processors in the computer to read the program. The computer program may be provided to the computer by a non-transitory computer-readable storage medium connectable to the system bus of the computer, or may be provided to the computer via a network. The non-transitory computer-readable storage medium may include, for example, any type of disk, such as a magnetic disk (floppy disk, hard disk drive (HDD), etc.), an optical disk (CD-ROM, DVD disk, Blu-ray disk, etc.), a read-only memory (ROM), a random access memory (RAM), an EPROM, an EEPROM, a magnetic card, a flash memory, an optical card, or any type of medium suitable for storing electronic instructions. [Explanation of symbols]

[0079] 100 Server device 110... Control unit 111... Receiver 112 Setting section 113 Transmitter 120...Storage section 130 Communications Department 200 User terminal

Claims

1. receiving, from a user terminal, first information instructing the output of information regarding a payment amount in the case of re-entering at least one of a first plan, which is a contract plan for a lease contract for an object, in which an initial fee is incurred at the time of entering into the lease contract and no mid-term termination fee is incurred during the lease contract period, and a second plan, which is not an initial fee is incurred at the time of entering into the lease contract and no mid-term termination fee is incurred during the lease contract period, after the expiration of the lease contract period; setting the payment amount for each contract plan during the contract renewal period such that the total amount of payment during the contract renewal period is higher when the contract plan is the second plan than when the contract plan is the first plan; transmitting information regarding the payment amount during the contract renewal period to the user terminal in response to the first information; A control unit that executes Information processing device.

2. the object is a car, The control unit is When a new car is leased under the second plan and the second plan is renewed after the expiration of the lease contract period, the total amount of the payment during the renewal period is: The amount of payment is higher than the total amount of payment during the renewal period in the case where the new car is leased under the first plan and the first plan is renewed after the expiration of the lease contract period, and The amount of payment to be paid in the first period is lower than the total amount of payment to be paid in the first period, which is the same period as the renewal period, when a lease contract for a used car other than the new car is made under the first plan during the first period; Run more The information processing device according to claim 1 .

3. The control unit is The total amount of the payment during the combined period of the lease contract period and the renewal contract period, (1) The total amount of the payment for the second plan for the same period as the total period when the lease contract for the same period as the total period is made at the time of the initial contract, (2) If a lease contract for the lease contract period is made at the time of the initial contract, and then a lease contract for the same period as the renewal period is made after the expiration of the lease contract period, the total amount of the payment for the first plan for the total period; (3) If a lease contract for the lease contract period is made at the time of the initial contract, and then a lease contract for the same period as the renewal period is made after the expiration of the lease contract period, the total amount of the payment for the second plan for the total period; setting the payment amount for each contract plan in the order of increasing Run more The information processing device according to claim 1 .

4. The control unit is When a lease contract is made for an initial contract for a period equal to the total period of the lease contract period and the renewal contract period, the monthly payment amount for the second plan for the period equal to the renewal contract period; In the case where a lease contract with the same period as the lease contract period is made at the time of the initial contract, and a lease contract with the same period as the renewal contract period is made after the expiration of the lease contract period, the monthly payment amount for the second plan during the renewal period; and to set the amount at the same level, Run more The information processing device according to claim 1 .

5. a storage unit configured to store information regarding the payment amount during the lease contract period corresponding to each of the first plan and the second plan; The control unit is receiving, from the user terminal, second information instructing the user to output information regarding the monthly payment amount during the re-contract period for at least one of the first plan and the second plan, as information regarding the payment amount when re-contracting for at least one of the first plan and the second plan; calculating the monthly payment amounts for the first plan and the second plan during the contract renewal period based on the information stored in the storage unit such that a total amount of payment for the second plan during the contract renewal period is higher than that for the first plan; In response to the second information, transmitting information regarding the monthly payment amount to the user terminal; Execute The information processing device according to claim 1 .

Images