Loan contract inheritance mediation system

Abstract

To smoothly inherit a loan contract to another person during the contract period of time.SOLUTION: A loan contract inheritance mediation system S includes: a reception unit 1a for receiving various different types of data sent from a user terminal 10; a registration reception unit 1b for acquiring item specification information input into the user terminal 10 and request time specification information for specifying an inheritance request time as a time to inherit a loan contract to another person through the reception unit 1a and receiving registration of the acquired item specification information and request time specification information; and a distribution unit 1c for distributing the item specification information and request time specification information registered in the registration reception unit 1b to another user terminal 20.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present disclosure relates to a loan contract succession intermediation system that allows a loan contract to be succeeded by another party during a contract period that was initially set. [Background technology]

[0002] For example, when purchasing a car, whether a new car or a used car, the purchaser may secure funds for the purchase by concluding a loan contract with a financial institution or the like. For example, Patent Document 1 discloses a system that enables a sales branch or the like to inquire about the progress of a financial institution's loan operations. When concluding a loan contract for the purchase of a car, the principal is calculated by adding the sales price of the car with option fees, registration fees, taxes, and other various fees (various fees may include automobile insurance premiums, maintenance fees, and the like), and deducting the down payment (which may be zero). During the term of the loan contract, the principal plus a specified interest rate is repaid in monthly installments. Bonus payments may also be used at the request of the contract holder. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2002-279180 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, even if you enter into a loan contract for a specified loan period, you may later find that you no longer need the car before the loan period expires, or that you want to switch to a different car. Nowadays, car loan contract periods are often set at, for example, 5 or 7 years, and giving up a car before the loan period expires means that the car will have been in good condition and fully usable for a short period of time, for example, 3 or 5 years. Therefore, a car that is given up before the loan period expires still has a high value in the market.

[0005] Generally, if you want to terminate a loan contract before the end of the loan period, you must settle the remaining balance all at once. Depending on the amount of the remaining balance, this can be difficult to settle, which has caused problems in the distribution of cars.

[0006] Similar problems can occur when purchasing goods under a loan contract, not just automobiles.

[0007] The present disclosure has been made in consideration of the above points, and has as its purpose to enable a loan contract to be smoothly transferred to another person during the contract period. [Means for solving the problem]

[0008] In order to achieve the above object, in one aspect of the present disclosure, a loan contract succession mediation system that allows a loan contract made when purchasing an item to be succeeded by another person during a contract period set at the beginning of the contract can be assumed. The succession mediation system includes a receiving unit that is communicably connected to a plurality of user terminals and receives various data transmitted from each user terminal, a registration receiving unit that acquires, via the receiving unit, item specific information for identifying the item input to one of the plurality of user terminals and desired time specific information for identifying a desired time when the loan contract is desired to be succeeded to another person, and accepts registration of the acquired item specific information and desired time specific information, and a distribution unit that is communicably connected to the plurality of user terminals and distributes the item specific information and the desired time specific information registered by the registration receiving unit to the other user terminals of the plurality of user terminals.

[0009] According to this configuration, when a user wishes to give up an item purchased under a loan contract before the expiration of the loan contract period, the user inputs the name of the item, etc., into one user terminal as item identification information for identifying the item, and also inputs the desired time of inheritance as desired time identification information for wishing to have the loan contract inherited by another person, and the input item identification information and desired time identification information are received by a receiving unit of the inheritance intermediation system. The item identification information and desired time identification information received by the communication unit are registered in a registration reception unit. The item identification information and desired time identification information registered in the registration reception unit are distributed to other user terminals, so that the item purchased under a loan contract and the desired time of inheritance of the loan contract can be notified to a person other than the contract holder (for example, a potential successor) via the other user terminal.

[0010] A person who has obtained information regarding the item and the desired time of succession can consider whether or not to succeed the loan contract for the item before the loan contract expires. If that person wishes to succeed the loan contract, he or she can use the item by succeeding the loan contract of the current contract holder.

[0011] The user terminal according to another aspect of the present disclosure may include a store terminal installed in a store having information regarding the loan contract, and a plurality of personal terminals owned by a person who has signed a loan contract. The registration reception unit can receive registration of the item specification information and the desired time specification information input to one of the personal terminals.

[0012] According to this configuration, the product specification information and desired time specification information entered by the current contract holder can be distributed to other user terminals, making it possible to find a successor to the loan contract without going to a store.

[0013] A distribution unit according to another embodiment of the present disclosure may distribute the item identifying information and the desired time identifying information registered in the registration acceptance unit to a plurality of other personal terminals.

[0014] According to this configuration, the product specifying information and the desired time specifying information can be delivered without going through a store, so that the information can be provided quickly and widely.

[0015] The registration acceptance unit according to another aspect of the present disclosure may be configured to acquire an image of an article input to one of the personal terminals via the receiving unit and accept registration of the acquired image. In this case, the distribution unit can distribute the image registered in the registration acceptance unit to the other personal terminals.

[0016] The registration reception unit can also receive registration of a plurality of the item specifying information, the desired time specifying information, and the image. The distribution unit can also distribute the plurality of the item specifying information, the desired time specifying information, and the image registered in the registration reception unit to other user terminals.

[0017] According to this configuration, images of the item can also be distributed, allowing the person wishing to inherit the item to accurately understand the condition of the item.

[0018] In another embodiment of the present disclosure, a virtual space in which a plurality of the images are arranged can be displayed on a display unit of the other user terminal. That is, a virtual space such as a store selling goods is displayed on the user terminal, so that a desired item can be easily searched, viewed, and selected. Effect of the Invention

[0019] As described above, item identification information for identifying items purchased under a loan contract and desired time identification information for specifying the desired time for inheritance of the loan contract can be distributed to a person other than the current loan contract holder before the expiration of the loan contract period, so that the loan contract can be smoothly inherited by another person during the contract period. [Brief description of the drawings]

[0020] [Figure 1]1 is a block diagram showing a schematic configuration of a loan contract succession intermediation system according to an embodiment of the present invention. [Diagram 2] FIG. 2 is a diagram illustrating a loan contract when purchasing a car. [Diagram 3] This is a diagram explaining the succession of loan contracts and the distribution process of automobiles. [Figure 4] FIG. 11 is a diagram illustrating an example of a user interface for inputting information. [Diagram 5] FIG. 13 is a diagram showing an example of a user interface for information distribution. [Figure 6] 1A to 1C are diagrams illustrating examples of a virtual space display screen, a details display screen, and a search screen. [Figure 7] This is a diagram showing an image of the interior of a car as viewed through VR goggles. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0021] FIG. 1 is a block diagram showing a schematic configuration of a loan contract succession intermediation system S according to an embodiment of the present invention. The loan contract succession intermediation system S includes a main body 1, a display 2, a keyboard 3, a mouse 4, and a storage unit 5. The main body 1 can be configured, for example, by a personal computer, and includes a central processing unit (CPU), a ROM, a RAM, and the like. The display 2 is configured, for example, by a liquid crystal display device or an organic EL display device, and is controlled by the main body 1. The keyboard 3 and the mouse 4 are devices connected to the main body 1 and operate the main body 1, and accept various input operations, switching operations, setting operations, and the like by an administrator (included in the user) of the system S. The storage unit 5 is a part for storing various data including, for example, text and images, and is configured, for example, by a hard disk drive, an SSD (solid state drive), and the like. The succession intermediation system S can also be configured by a notebook personal computer in which the main body 1, the display 2, the keyboard 3, the mouse 4, and the storage unit 5 are integrated. The storage unit 5 may be built into the main body 1, or may be installed outside the main body 1. The storage unit 5 may be installed in a location different from the location where the main body unit 1 is set up, and may be a so-called cloud-type storage system.

[0022] The central processing unit built into the main body 1 operates according to a program stored in the ROM, the storage unit 5, etc., and is the main part that mediates the succession of the loan contract, allowing a person (other person) other than the current contract holder to succeed the loan contract. The goods purchased by the purchaser under the loan contract are not particularly limited, and examples thereof include automobiles, motorcycles, personal computers, copy machines, office furniture, etc. In this embodiment, a case where the above-mentioned goods is an automobile will be described. In addition, the loan contract period is not particularly limited, and can be set at any period at the time of contract, such as 5 years or 7 years.

[0023] An automobile loan contract will be described with reference to FIG. 2. When the automobile is a new automobile, the start date of the loan period can be, for example, the date of registration of the automobile. The person seeking a loan selects the automobile he or she desires, as well as the grade, body color, and options (including manufacturer options and dealer options). This makes it possible to obtain the price, tax, registration fees, and so on of the automobile. The person seeking a loan also decides whether or not to include automobile insurance premiums in the principal of the loan, and whether or not to include periodic maintenance fees (including vehicle inspection fees, and so on) in the principal of the loan. The person seeking a loan also decides the amount of the down payment, the amount of bonus payment, the contract period (monthly payment period), and so on.

[0024] The principal of the loan is determined by adding taxes and registration fees to the price of the car, as well as adding car insurance premiums and maintenance fees, if necessary, and subtracting the down payment, if one has been set. The loan contract holder can purchase and use the car by paying the monthly installment calculated by adding a set interest rate to the loan principal and dividing the amount by the number of months in the contract period. If a bonus payment is set, the loan contract holder will also pay the bonus payment amount.

[0025] The example shown in Figure 2 is an example where the loan contract period is 7 years (84 months), and the loan contract period expires 7 years from the vehicle registration date. Note that the start date of the loan contract may be a date prior to the vehicle registration date. After the loan contract period expires, the vehicle can be used continuously with no monthly installments.

[0026] In this example, the loan contract is a contract that allows for loan contract succession, whereby the loan contract is inherited by another person during the contract period set at the beginning of the contract. This contract is called a contract that allows loan succession. When inheriting a loan, restrictions may be added so that inheritance is only possible if the creditworthiness (creditworthiness) of the current loan contract holder and the inheritor is the same. This allows loan succession without changing the interest rate. In other words, it is also possible to limit the person who can inherit the loan so that the monthly payment amount does not change. The distribution of automobiles based on a contract that allows loan succession will be specifically explained with reference to Figure 3.

[0027] Contractor A has signed a seven-year loan agreement to purchase Automobile A (new car). Generally, passenger cars are required to have their first vehicle inspection three years from the date of new car registration, their second inspection two years after the first inspection, and then every two years thereafter. Contractor A wants to switch to Automobile B (new car) before or after Automobile A's inspection. In this case, under the previous loan agreement, which did not allow loan transfer, Contractor A would have had to pay the remaining balance in a lump sum and terminate the loan agreement for the purchase of Automobile A, which was a factor that made him hesitant to switch to Automobile B.

[0028] If a loan contract for the purchase of Car A is terminated midway, Car A will be circulated on the market as a used car, and the next user will either purchase Car A as a used car or enter into a loan contract to purchase the used Car A and use it. When purchasing Car A as a used car, the purchase price will be higher because taxes such as consumption tax must be paid as miscellaneous expenses. In addition, when entering into a loan contract to purchase a used Car A, the loan contract for the purchase of a new car has been terminated, so taxes, loan handling fees, etc. must be added to calculate the principal, resulting in a problem of higher monthly installment payments.

[0029] On the other hand, in the case of a contract that allows loan succession, the loan contract can be succeeded by another contract holder B within three years from the registration date of vehicle A (the start of the loan contract period). Since the loan contract that contract holder A had contracted will be inherited, the contract conditions of contract holder B are the same as those of contract holder A, and the monthly payment amount of contract holder B is the same as that of contract holder A. In addition, since the loan contract is continued without being terminated, contract holder A can switch to the next vehicle B without settling the remaining balance. In addition, the contract conditions of contract holder B may be different from those of contract holder A. For example, if contract holder B has prepared a down payment, he or she can use it to reduce the monthly payment amount, or the monthly payment amount can be reduced by extending the contract period. In addition, the monthly payment amount can be increased to shorten the contract period.

[0030] If the loan contract period is seven years from the date of vehicle registration, Contractor B would need to continue driving Car A for four years in order to avoid settling the remaining balance. Contractor B can give up Car A without settling the remaining balance by having another Contractor C transfer the loan contract for the purchase of Car A before the second vehicle inspection (before five years have passed) or after the inspection. Contractor B may continue making monthly installments and use Car A for up to seven years.

[0031] After seven years, Contractor C, who inherited the loan contract from Contractor B, can use Car A with no monthly payments. If Contractor C terminates the loan contract before seven years have passed, he or she will be required to pay the remaining balance. In this case, Car A may be released onto the used car market.

[0032] If Contractor A, who has signed a loan contract to purchase a new car, Automobile B, wants to switch to the next car, Automobile C (new car), he can have Automobile B's loan contract transferred to Contractor D. Contractor D can have Automobile B's loan contract transferred to another Contractor E. After the loan contract period has elapsed, Contractor E can use Automobile B with no monthly payments to make.

[0033] If Contractor A, who has signed a loan contract to purchase a new car, Car C, wants to give up Car C, he can have the loan contract for Car C transferred to Contractor F. Contractor F can then have the loan contract for Car C transferred to another Contractor G. Contractor G can use Car B after the loan contract period has elapsed with no monthly payments.

[0034] As explained above, by making the loan contract inheritable, even if Automobile A, Automobile B, and Automobile C are still in the loan contract period, other contract holders B to G can inherit the loan contracts for Automobile A, Automobile B, and Automobile C without settling the remaining balance. Although financial burdens such as fees for changing users and loan contract fees must be borne, these amounts are significantly lower than if the remaining balance were to be settled in a lump sum.

[0035] However, since it is generally believed that a loan contract cannot be inherited by another person, even if one wishes to have another person inherit the loan contract, the problem is how to find an inheritor. In particular, in the case of automobiles, the relatively high monthly installment amount makes it difficult to find an inheritor. In addition, even if the recognition that a loan contract can be inherited spreads, the information identifying the target automobile and the loan contract period, etc., are contractual matters between the loan contract holder and the automobile dealer (sales company), financial institution, or credit company, etc., and are not made public, so a third party has no way of knowing what kind of automobile the loan contract was for or how long the loan contract period was. Therefore, it was actually difficult to distribute automobiles A, B, and C as shown in Figure 3.

[0036] The inheritance intermediation system S according to this embodiment is a system that enables smooth distribution of automobiles A, B, and C, as shown in FIG. 3, and can also be called an automobile distribution support system. In addition, since it is possible to search for a person who will inherit a loan contract by using the inheritance intermediation system S, the inheritance intermediation system S can also be called a successor search system. Furthermore, by using the inheritance intermediation system S, a method of mediating the inheritance of a loan contract can be executed. The user authority of the inheritance intermediation system S is granted in advance, and an ID, password, etc. are required to be input before using the inheritance intermediation system S, so that only registered persons can use it. In addition, user authority does not need to be granted to those who receive the information to be described later, and anyone may receive the information.

[0037] 1, the main body 1 of the inheritance mediation system S has a receiving unit 1a, a registration acceptance unit 1b, and a distribution unit 1c, and may be a so-called server. The receiving unit 1a, the registration acceptance unit 1b, and the distribution unit 1c may be configured only by hardware, or may be configured in the main body 1 by a central processing unit executing a predetermined program, or may be configured by a combination of hardware and software.

[0038] A first user terminal 10, a second user terminal 20, a third user terminal 30, a fourth user terminal 40, etc. are connected to the inheritance mediation system S as a plurality of user terminals. The user terminals 10, 20, 30, 40, etc. may be store terminals installed in a store that has information related to the loan contract, or may be personal terminals owned by the person who is the subject of the loan contract (loan contract holder). The store is a car dealership or the like, and has a database of personal information of the loan contract holder, information on the car, etc. In addition, some of the user terminals 10, 20, 30, 40, etc. may be store terminals and the others may be personal terminals. The personal terminals also include terminals owned by individuals (other people) who are not loan contract holders.

[0039] The inheritance mediation system S may be configured to include user terminals 10, 20, 30, 40, etc., or the user terminals 10, 20, 30, 40, etc. may not constitute a part of the inheritance mediation system S. The number of user terminals 10, 20, 30, 40, etc. is not particularly limited, and may be tens, hundreds, thousands, or more. The user terminals 10, 20, 30, 40, etc. may not be the same, but are configured to have similar functions. The first user terminal 10 will be described in detail below.

[0040] The first user terminal 10 is, for example, a personal computer, a tablet terminal, a smartphone, or the like, and includes a display unit 10a, an input unit 10b, a storage unit 10c, a communication unit 10d, and a control unit 10e. The display unit 10a is, for example, a liquid crystal display device or an organic EL display device, and is controlled by the control unit 10e. The input unit 10b is, for example, a touch-type operation panel, a keyboard, a pointing device, a mouse, or the like, and is a unit that accepts various input operations and switching operations by a user. The storage unit 10c is a unit for storing various data, and is, for example, a hard disk drive, an SSD, or the like. The communication unit 10d has, for example, a conventionally known communication module, and is connected to the Internet via a public telephone line or a LAN, or the like, and is a unit that communicates with the main body unit 1 of the inheritance mediation system S. The communication includes the transmission and reception of various data. The control unit 10e is, for example, a central processing unit (CPU), a ROM, a RAM, or the like, and is a unit that controls each unit of the first user terminal 10.

[0041] The first user terminal 10 further includes a camera 10f and a microphone 10g. The camera 10f is configured to be capable of capturing color images of, for example, an automobile that is the subject of a loan contract. The microphone 10g is configured to be capable of collecting sounds around the first user terminal 10.

[0042] The control unit 10e of the first user terminal 10 generates an information input user interface 100 as shown in FIG. 4 and displays it on the display unit 10a. The information input user interface 100 may be generated based on data received from the inheritance mediation system S, or may be generated by an application stored in the storage unit 10c or the like. The information input user interface 100 is provided with a desired offer date input area 101, a car name and grade input area 102, a body color input area 103, a model year input area 104, a mileage input area 105, a region input area 106, a desired inheritance date input area 107, a desired store name input area 108, an exterior image input area 109, an interior image input area 110, an enlarged image input area 111, and the like. In each of the areas 101 to 111, the user can input desired information by operating the input unit 10b of the first user terminal 10. Each input information is stored in the storage unit 10c. When the first user terminal 10 is a store terminal, a person other than the loan contract holder can input various information upon request from the loan contract holder, and when the first user terminal 10 is a personal terminal, the loan contract holder inputs various information.

[0043] The desired provision date input area 101 is an area for inputting the start time of providing various information entered in the information input user interface 100 to others. Each piece of information is not distributed to the outside by the inheritance mediation system S until the time entered in the desired provision date input area 101 arrives.

[0044] The car name and grade input area 102 is an area for inputting the name and grade of the car purchased under a loan contract. The name of the car's manufacturer (name of the manufacturer) and the displacement of the car's engine may be input into the car name and grade input area 102. The car's drive system (two-wheel drive or four-wheel drive) may also be input into the car name and grade input area 102. The car's model may also be input into the car name and grade input area 102.

[0045] The body color input area 103 is an area for inputting the body color (exterior color) of an automobile purchased under a loan contract. The model year input area 104 is an area for inputting the initial registration year and month of an automobile purchased under a loan contract. The mileage input area 105 is an area for inputting the current mileage of an automobile purchased under a loan contract. The information inputted into the vehicle name and grade input area 102, the body color input area 103, the model year input area 104, and the mileage input area 105 is automobile specific information (item specific information) for identifying an automobile (item) purchased under a loan contract.

[0046] The area input area 106 is an area for inputting the main area in which an automobile purchased under a loan contract will be used, and for example, the name of a prefecture or the like can be input. The desired inheritance date input area 107 is an area for inputting the time when the current loan contract is desired to be inherited by another person, and only the year and month may be input, or the year and month plus the day may be input. The desired inheritance date can be arbitrarily determined by the contract holder who currently has a loan contract. The time inputted in the desired inheritance date input area 107 is desired time specification information for specifying the desired time when the loan contract is desired to be inherited by another person.

[0047] The desired store name input area 108 is an area for inputting the name of the store to which various procedures (user change procedures, loan contract succession procedures, etc.) required when inheriting a loan contract are to be requested. The desired store can be arbitrarily decided by the contract holder who currently has a loan contract.

[0048] Here, the stores that can be the desired store are limited to only the stores that are registered in advance in the inheritance intermediation system S. That is, the users who use the inheritance intermediation system S can include corporations (for example, car dealers, etc.) in addition to individuals, and the individuals and corporations who use the inheritance intermediation system S apply for use to the administrator of the inheritance intermediation system S. When applying for use, if the user is an individual, personal information such as address, name, telephone number, and email address is registered, and if the user is a corporation, the corporate name (store name), location, telephone number, email address, etc. are registered. If the person who has signed the loan contract is an individual, the items written on the vehicle inspection certificate of the car purchased under the loan contract are also registered, and in addition, vehicle information such as the car name, grade, body color, and installed options are also registered. The above personal information, corporate information, and vehicle information are stored in the user information database 5a of the storage unit 5 shown in FIG. 1, and at this time, the personal information of the loan contract (also called the contractor information) is associated with the vehicle information of the car purchased under the loan contract, and the contractor information is associated with the corporate information (also called the store information) of the store where the contract was concluded. Therefore, the user information database 5a is configured so that the name of the store where the contract was concluded can be obtained by acquiring the contract holder information, and the vehicle information of the car purchased under the loan contract can be obtained by acquiring the contract holder information. Also, the user information database 5a is configured so that the contract holder information can be obtained by acquiring the car's vehicle information. Therefore, for example, if the contract holder information is inputted into the first user terminal 10 and transmitted to the main unit 1, the user information database 5a can be searched to acquire the car's vehicle information, and the car name, grade, body color, year, etc. can be automatically input.

[0049] The exterior image input area 109 shown in FIG. 4 is an area for inputting an exterior image of a car purchased under a loan contract. The exterior image can be acquired by the camera 10f of the first user terminal 10. The user takes images of the front, rear, left and right sides of the car with the camera 10f and stores them in the storage unit 10c. After that, the exterior image is input by pasting each image stored in the storage unit 10c in the exterior image input area 109. The exterior image may be acquired by another camera (not shown). In this case, the exterior image can be input by transferring image data from the camera that acquired the image to the first user terminal 10. The number of exterior images is not limited to four, and can be set to any number. In addition, the exterior image may include an image of the car viewed from an oblique direction, and the direction at the time of image capture may be specified by the system S.

[0050] The interior image input area 110 is an area for inputting an interior image of an automobile purchased under a loan contract. The interior image can be acquired by the camera 10f of the first user terminal 10. The user captures one or more images of the automobile interior with the camera 10f and stores the images in the storage unit 10c. The interior image is then input by pasting each image stored in the storage unit 10c in the interior image input area 110. The interior image may be acquired by a separate camera (not shown). In this case, the interior image can be input by transferring image data from the camera that acquired the image to the first user terminal 10.

[0051] The enlarged image input area 111 is an area for inputting images of scratches, dents, etc. on a car purchased under a loan contract. These images can also be acquired and input by the camera 10f of the first user terminal 10 or another camera. The images of scratches, dents, etc. are images captured at a larger scale than the exterior image. Although not shown, information such as the presence or absence of a repair history can also be input.

[0052] Various pieces of information input to the information input user interface 100 are transmitted in a predetermined data format by the communication unit 10d of the first user terminal 10 shown in Fig. 1 to the main body 1 of the inheritance mediation system S when the user performs a predetermined transmission operation after input. At this time, information (identification information) for identifying the user is also added.

[0053] The receiving unit 1a of the main body 1 has a communication module and the like configured to be able to communicate with a plurality of user terminals 10, 20, 30, 40, .... The receiving unit 1a receives various information transmitted from the communication unit 10d in a predetermined data format.

[0054] The registration reception unit 1b is a part that acquires various information transmitted from the communication unit 10d of the first user terminal 10 via the reception unit 1a and accepts registration of the various information acquired via the reception unit 1a. That is, when the registration reception unit 1b acquires various information input to the information input user interface 100, it stores the acquired information in the specific information database 5b of the storage unit 5. In the specific information database 5b, personal information of the user and various information input to the information input user interface 100 are stored in association with each other, with identification information being assigned to each user.

[0055] A plurality of pieces of vehicle identifying information, desired time identifying information, and images can be input from one first user terminal 10. For example, when vehicle identifying information, desired time identifying information, and images for a first vehicle purchased under a loan contract are input, and then vehicle identifying information, desired time identifying information, and images for a second and third vehicle purchased under a loan contract are input, the registration reception unit 1b accepts the registration of a plurality of pieces of vehicle identifying information, desired time identifying information, and images.

[0056] Furthermore, when vehicle identifying information, desired time identifying information, and images are input to each of a plurality of user terminals among a plurality of user terminals 10, 20, 30, 40, ..., the registration reception unit 1b also accepts the registration of the plurality of vehicle identifying information, desired time identifying information, and images. When the registration of the plurality of vehicle identifying information, desired time identifying information, and images is accepted, the plurality of vehicle identifying information, desired time identifying information, and images are stored in the identification information database 5b.

[0057] The distribution unit 1c of the inheritance intermediation system S has a communication module etc. connected to a plurality of user terminals 10, 20, 30, 40, etc. so as to be able to communicate with them. The distribution unit 1c distributes various information (including item specification information and desired time specification information) registered in the registration reception unit 1b to other user terminals 20, 30, 40, etc. among the plurality of user terminals 10, 20, 30, 40, etc. In this embodiment, since various information is transmitted from the first user terminal 10, the various information is distributed to user terminals 20, 30, 40, etc. that are different from the first user terminal 10 to which the various information was transmitted. The information to be distributed is information about a loan contract that can be inherited in the future, so it can also be called provision notice information.

[0058] The form of distribution may be, for example, a URL that allows access to a specific information distribution site, which is included in an e-mail and this e-mail is sent to the user terminals 20, 30, 40, ... In this case, when the user who receives the e-mail accesses the site described in the URL, various information is downloaded to the user terminals 20, 30, 40, ... and can be viewed. Alternatively, e-mails containing various information may be sent to the user terminals 20, 30, 40, ...

[0059] The start date of distribution of various information is the date entered in the desired supply date input area 101 or later. The user terminals 20, 30, 40, ... to which the various information is distributed may be store terminals or personal terminals. If no date is entered in the desired supply date input area 101, the various information may be distributed to the user terminals 20, 30, 40, ... immediately. If the user terminals 20, 30, 40, ... to which the various information is distributed are personal terminals, printed matter based on the distributed information may be created and displayed in the storefront, the distributed information may be posted on the store's homepage, or the distributed information may be distributed again to customers (administrative users) registered in the store.

[0060] The display unit of each of the user terminals 20, 30, 40, ... that have acquired various pieces of information displays an information delivery user interface 200 as shown in Fig. 5. The information delivery user interface 200 may be generated based on data received from the inheritance mediation system S, or may be generated by an application stored in a storage unit or the like of the user terminal 20, 30, 40, ....

[0061] The information delivery user interface 200 is provided with a vehicle name / grade display area 201, a model year display area 202, an engine displacement display area 203, a mileage display area 204, a next vehicle inspection date display area 205, a repair history display area 206, a body color display area 207, an automobile image display area 208, a monthly payment amount / bonus payment amount display area 209, and a scheduled delivery date display area 210. Each of the display areas 201 to 210 displays information delivered from the delivery unit 1c.

[0062] The vehicle name and grade display area 201 displays the vehicle name and grade of the vehicle to be inherited from the loan contract, and the year display area 202 displays the year of the vehicle to be inherited. The engine displacement display area 203 displays the engine displacement obtained based on the information on the vehicle inspection certificate of the vehicle to be inherited. The mileage display area 204 displays the mileage of the vehicle to be inherited that is input to the first user terminal 10. The next vehicle inspection date display area 205 displays the next vehicle inspection date obtained based on the information on the vehicle inspection certificate of the vehicle to be inherited, and the next vehicle inspection date input to the first user terminal 10.

[0063] The repair history display area 206 displays whether or not the vehicle to be inherited that was entered into the first user terminal 10 has a repair history. The body color display area 207 displays the body color of the vehicle to be inherited. The vehicle image display area 208 displays an exterior image of the vehicle entered into the first user terminal 10, making it easy for the users of the user terminals 20, 30, 40, ... to understand what vehicle-related loan contracts they will inherit. Note that if the current loan contract holder has registered false information, the inheritance can be canceled.

[0064] The monthly payment amount / bonus payment amount display area 209 displays the amount that the person who inherited the loan contract will be liable to pay monthly, and if there is a bonus payment, the timing and amount of the payment are also displayed. If the user inputs the loan contract information into the system S in advance, the payment amount information can be obtained based on the loan contract information. The scheduled delivery date display area 210 displays the date entered in the desired inheritance date input area 107 or a later date. A date that takes into account the period required to obtain a garage certificate and the period required to change users can also be displayed in the scheduled delivery date display area 210.

[0065] When the registration reception unit 1b receives registration of multiple pieces of vehicle identification information, desired time identification information, and images, the distribution unit 1c distributes the multiple pieces of vehicle identification information, desired time identification information, and images to the user terminals 20, 30, 40, .... In this case, an information distribution user interface 200 as shown in Fig. 5 is generated for each vehicle. In addition, the user terminals 20, 30, 40, ... to which the information is distributed can be configured to display the distributed information in a list format and accept selection by the user. In this case, the information selected by the user is displayed in detail in the information distribution user interface 200 as shown in Fig. 5.

[0066] The user who receives the distributed information can consider whether or not to inherit the loan contract based on the condition of the car, the monthly installment amount, the bonus payment amount, the scheduled delivery date, etc. In other words, since the inheritance intermediation system S can provide the user with information to consider whether or not to inherit the loan contract, the user can proceed with the consideration based on specific information, increasing the possibility of the user making the decision to inherit the loan contract.

[0067] A user who has decided to take over a loan contract sends a message of "take over" from the user terminal to the main unit 1. The message of "take over" may be sent by other means of communication such as telephone or fax, or may be sent directly to a store or the like. When the main unit 1 receives the message of "take over", it notifies the current loan contract holder that a new user wishes to take over the contract. It also stops distribution of information about the car and does not accept any messages from other users. Negotiations and contract handover procedures are carried out at each store.

[0068] (User auction function) The inheritance intermediation system S may have a user auction function. The user auction function allows the current contract holder to set a desired selling price for the car currently under loan contract, other users to submit their desired purchase price, and identifies the user who has submitted the highest bid. In principle, the user who has submitted the highest bid can purchase the car. The administrator of the inheritance intermediation system S can set a limit price and prevent transactions from taking place at a price above that price.

[0069] (Communication function between users) The succession intermediation system S may have a communication function between users. At the stage where a person is considering succession of a loan contract based on the distributed information, the person may want to obtain more detailed information. In this case, the first user terminal 10 used by the contract holder who currently has a loan contract and another user terminal (for example, the second user terminal 20) used by the person considering succession of the loan contract may be communicably connected to allow the users to communicate with each other. The administrator of the succession intermediation system S or a store employee may participate in this communication. During communication, the camera 10f and microphone 10g shown in FIG. 1 are used to enable the users to consult with each other while checking each other. In addition, the state of the desired part of the car can be communicated in more detail by moving the camera 10f. In addition, in order to realize the communication function, a conventionally known application for online meetings can be used.

[0070] (Virtual space display function) The inheritance mediation system S may be provided with a virtual space display function. The virtual space display function is a function executed when the registration reception unit 1b receives registration of multiple pieces of vehicle identification information, desired time identification information, and images. When multiple pieces of vehicle identification information, desired time identification information, and images are registered and distributed to other user terminals 20, 30, 40, ..., a virtual space in which multiple images are lined up is displayed on the display unit of the user terminals 20, 30, 40, .... An example of the display form of the virtual space is shown on the left side of FIG. 6.

[0071] That is, the display unit of the user terminal 20, 30, 40, etc. is capable of displaying a virtual space display screen 300. The virtual space display screen 300 may be generated based on data received from the inheritance mediation system S, or may be generated by an application stored in a storage unit or the like of the user terminal 20, 30, 40, etc. The virtual space display screen 300 is provided with a virtual store 301 and a virtual exhibition hall 302. In the virtual exhibition hall 302, images of automobiles input by the user and registered in the registration reception unit 1b are displayed side by side as in an actual automobile exhibition hall. This display data is generated by the main body 1. When the user selects an arbitrary image from among the images of a plurality of automobiles displayed in the virtual exhibition hall 302 by a touch operation (selection operation) or the like, the main body 1 specifies the selected image. When it is determined that the image has been specified, the virtual space display screen 300 transitions to a detailed display screen 400, and the detailed display screen 400 is displayed on the display unit of the user terminal 20, 30, 40, etc.

[0072] In addition to the image of the car, the detailed display screen 400 displays vehicle information such as the car name, grade, year, mileage, etc., as well as the expected delivery date, etc. When another image in the virtual showroom 302 is selected, detailed information of the car corresponding to that image is displayed on the detailed display screen 400.

[0073] (Search function) The inheritance mediation system S may have a search function. The search function is executed when the registration reception unit 1b receives registration of multiple vehicle identification information, desired time identification information, and images. A search screen 500 shown in FIG. 6 is displayed on the display unit of the user terminal 20, 30, 40, .... The search screen 500 may be generated based on data received from the inheritance mediation system S, or may be generated by an application stored in a memory unit or the like of the user terminal 20, 30, 40, ....

[0074] The search screen 500 is provided with input fields for the desired manufacturer name, the desired car name, the desired color, the desired budget, the desired mileage, etc. When the user's desired information is input, the main unit 1 acquires the information and searches for a car that matches the user's desires. If a car that matches the user's desires is found as a result of the search, the information about the car is displayed on the detail display screen 400 shown in FIG. 6.

[0075] (Interior display function) The inheritance mediation system S may have an interior display function that, when an image of an arbitrary automobile is selected from the images of a plurality of automobiles on the virtual space display screen 300 shown in Fig. 6, displays the interior of the automobile in the virtual space. In this interior display function, a user (a person who performs a selection operation on the virtual space display screen 300) 601 uses VR (virtual reality) goggles 600 shown in Fig. 7. The VR goggles 600 may be conventionally well-known ones, and can be used by connecting them to the user terminals 10, 20, 30, 40, ....

[0076] The interior image to be displayed on the VR goggles 600 is photographed in advance at the store. That is, when a car is registered in the registration reception unit 1b, the person who registered the car drives the car to the store, and at the store, a camera capable of acquiring image data for virtual reality is used to photograph the entire interior. The photographed data can be stored in the storage unit 5 in association with information for identifying the car.

[0077] A user 601 wearing the VR goggles 600 can check the interior image of the selected car through the VR goggles 600 before inheriting the loan contract for the purchase of the selected car. For example, when an image of a specific car is selected on the virtual space display screen 300, the main body 1 transmits the interior image data (data that can be displayed in virtual reality) of the selected car to the VR goggles 600. After transmitting the data, when the user faces forward while wearing the VR goggles 600, the interior of the front side of the vehicle (instrument panel, etc.) is displayed on the VR goggles 600, when the user faces right while wearing the VR goggles 600, when the user faces left while wearing the VR goggles 600, when the user faces backward while wearing the VR goggles 600, when the user faces rearward while wearing the VR goggles 600, when the user faces rearward while wearing the VR goggles 600, when the user faces rearward while wearing the VR goggles 600, when the user faces rearward. Also, if you look up or down, the interior of the ceiling or floor will be displayed on the VR goggles 600. Furthermore, it is possible to view the interior continuously all around or from any angle. This type of display format is possible by applying well-known virtual reality technology.

[0078] (Effects of the embodiment) As described above, according to this embodiment, when the current contract holder A wants to give up the car A before the loan contract period expires as shown in Fig. 3, he / she can input, for example, car identification information for identifying the car and the desired time of succession as the desired time identification information for the loan contract to be succeeded to another person, into the first user terminal 10 (see Fig. 4). At this time, a staff member of the store can also input the information on behalf of the contract holder A.

[0079] When the input vehicle specifying information and desired time specifying information are received by the receiving unit 1a of the inheritance intermediation system S, they are registered in the registration acceptance unit 1b. The vehicle specifying information and desired time specifying information registered in the registration acceptance unit 1b are distributed to other user terminals 20, 30, 40, ..., so that vehicle A under loan contract and the desired time for inheritance of the loan contract can be notified to a person other than contract holder A (such as the next contract holder B shown in FIG. 3) via the other user terminals 20, 30, 40, ....

[0080] A person who has obtained the information regarding Car A and the desired time of succession can consider whether or not to succeed the loan contract for that car before the loan period expires. If the person who has obtained the information wishes to succeed the loan contract, they can use the car under the original terms and conditions by inheriting the loan contract of Contractor A.

[0081] In this way, by using the loan contract succession intermediation system S, a loan contract can be smoothly succeeded to another person during the contract period, thereby promoting the circulation of automobiles.

[0082] The above-described embodiment is merely illustrative in all respects and should not be interpreted as being restrictive. Furthermore, all modifications and changes within the scope of the claims are within the scope of the present invention. For example, the loan contract succession mediation system S can be used in cases where a loan contract made when purchasing an item other than an automobile is succeeded. [Industrial Applicability]

[0083] As described above, the inheritance intermediation system according to the present invention can be used when a loan contract made when purchasing an item is inherited by another person during the contract period set at the beginning of the contract. [Explanation of symbols]

[0084] S Loan Contract Inheritance Mediation System 1a Receiving section 1b Registration Reception 1c Distribution Department 10, 20, 30, 40 user terminals

Claims

1. A loan contract succession intermediation system for allowing a loan contract made when purchasing an item to be succeeded by another person during a contract period set at the beginning of the contract, comprising: A receiving unit that is communicably connected to a plurality of user terminals and receives various data transmitted from each of the user terminals; a registration receiving unit that receives, via the receiving unit, item identification information for identifying the item input to one of the plurality of user terminals and desired time identification information for identifying a desired time when the user desires to have the loan contract inherited by another person, and receives registration of the obtained item identification information and desired time identification information; A loan contract succession and intermediation system comprising: a distribution unit that is communicatively connected to a plurality of user terminals and distributes the item-specific information and desired time-specific information registered in the registration reception unit to other user terminals among the plurality of user terminals.

2. In the loan contract succession and intermediation system according to claim 1, The user terminal includes a store terminal installed in a store having information related to the loan contract, and a plurality of personal terminals owned by the person who has signed the loan contract; The registration reception unit of this loan contract succession intermediation system receives registration of the item-specific information and the desired time-specific information input to one of the personal terminals.

3. In the loan contract succession and intermediation system according to claim 2, The distribution unit distributes the item-specific information and the desired time-specific information registered in the registration reception unit to a plurality of other personal terminals, in a loan contract succession intermediation system.

4. In the loan contract succession and intermediation system according to claim 3, the registration reception unit acquires an image of an article input to one of the personal terminals via the reception unit, and accepts registration of the acquired image; The distribution unit distributes the image registered in the registration reception unit to a plurality of other personal terminals.

5. In the loan contract succession and intermediation system according to claim 4, The registration reception unit receives registrations of a plurality of the item identification information, the desired time identification information, and the image, The distribution unit distributes the multiple item-specific information, the desired time-specific information, and the images registered in the registration reception unit to other user terminals in this loan contract succession intermediation system.

6. In the loan contract succession intermediation system according to claim 5, A loan contract succession mediation system that displays a virtual space in which a plurality of the images are arranged on a display unit possessed by another user terminal.

Images