Car lease sales support system

Abstract

By collaborating with partner companies and car sales companies that offer lease sales, it becomes possible to promote car sales by proposing new ways of owning cars during asset management consultations with partner companies. [Solution] The car sales support server 10 is linked with partner systems, including life insurance companies and financial companies. When the car sales support server 10 receives a request for car lease introduction information from a partner terminal 14 that can access the partner server 12, it sends and displays presentation information on car leases that propose a new way of owning a car through leasing and asset management, and calculation information to support the purchase of a car that corresponds to this new way of owning a car to the partner terminal 14. When it receives customer information that the partner terminal 14 wishes to lease a car, it registers the customer information in the customer list. The car sales support terminal 16 receives the customer information registered in the car sales support server 10 and executes car lease operations to sell cars under car lease contracts.

Claims

1. A car lease sales support system that links a car sales support server and car sales support terminal owned by a car sales company that builds and operates a predetermined car lease sales business for selling cars to customers under a car lease contract, and a partner server and partner terminal owned by a partner company, including a life insurance company and a financial company that is in partnership with the said car sales company, The aforementioned car sales support server is When a request to access car lease information is received from the aforementioned partner terminal, which has been granted access through account registration, presentation information explaining a new way of owning a car through leasing and asset management, and calculation information to determine a car desired by the customer in accordance with this new way of owning a car are transmitted to and displayed on the aforementioned partner terminal. When customer information requesting a car lease is received from the partner terminal that transmitted the presentation information and the calculation information, the customer information is registered in the customer list. The vehicle sales support terminal is characterized by receiving customer information registered on the vehicle sales support server and executing vehicle lease operations, including vehicle lease agreements.

2. A car lease sales support system according to claim 1, The aforementioned car sales support server uses the following as presentation information: Home screen, Car asset value screen, Car ownership cost screen, Car cost comparison screen, Monthly car cost comparison screen, Cash flow comparison screen, Comparison screen for advantages other than cost, Car leasing and asset management screen, and Presentation end screen, The screen information including this information is displayed through a screen transition operation. The aforementioned home screen shows screen transitions to presentation information and calculation information. The aforementioned vehicle asset value screen indicates that owning a car does not constitute an asset. The vehicle ownership cost screen indicates that the ownership cost is high. The aforementioned car cost comparison screen shows a comparison of 10-year costs based on different car ownership methods, such as loan purchase, cash purchase, or car lease. The aforementioned monthly car cost comparison screen shows a comparison of monthly costs based on the different forms of car ownership: loan purchase, cash purchase, or car lease. The aforementioned cash flow comparison screen shows a comparison of cash flows based on the differences in car ownership methods: loan purchase and car lease. The aforementioned screen comparing advantages other than cost shows a comparison of advantages other than cost due to the differences in car ownership methods between loan purchase and car lease. The aforementioned car lease and asset management screens illustrate the differences in asset formation over 10 years based on the form of car ownership: loan purchase, cash purchase, or car lease. Furthermore, The car lease sales support system is characterized in that the presentation end screen indicates that the presenter has guided customers through a new way of owning a car that does not result in losses through car leasing.

3. A car lease sales support system according to claim 2, The aforementioned car sales support server has the following home screen: The title message reads, "We will guide you on a new way to own a car that won't cost you anything," and The menu selection button for the aforementioned presentation information, The menu selection button for the aforementioned calculation information, A car lease sales support system characterized by displaying information.

4. A car lease sales support system according to claim 2, The aforementioned car sales support server displays the asset value of the car as follows: "Cars are an expensive purchase!" "Q (Question): Do you think a car is an asset for household finances?" "[1] Yes [2] No [3] Unknown" "A (Answer) No." "When you consider switching vehicles, their asset value is practically zero." In addition to the message, A graph showing the decline in car asset value, The graph above explains that "by the time you finish using it, the asset value is almost zero; the cost incurred for purchase has simply been amortized." A car lease sales support system characterized by displaying the following message.

5. A car lease sales support system according to claim 2, The aforementioned car sales support server displays the car ownership cost screen as follows: "Taxes & Maintenance!" "Q (Question): What are the costs associated with owning a car over a 10-year period?" "[1] 500,000 yen or less [2] Less than 1,000,000 yen [3] 1,000,000 yen or more [4] Don't know" "A (Answer) 1 million yen or more" "Taxes, vehicle inspections, maintenance, and hidden costs," "Costs associated with car ownership", "Weight tax (at vehicle inspection), breakdown repair costs (after manufacturer's warranty expires), vehicle inspection and maintenance costs (first time at 3 years, then every 2 years), battery replacement (approximately every 3 years), tire replacement (approximately every 40,000 km), automobile tax (annually), statutory 12-month inspection (every year), scheduled inspection (every 6 months), oil change (every 5,000 km), oil filter replacement (every year), wiper replacement (as needed)." The message was, A graph showing the annual cost of total costs incurred over a 10-year holding period. The graph above is explained with the caption, "Unexpected expenses are quite stressful, but they are unavoidable costs as long as you own a car..." and the 10-year costs by car type are stated as, "Approximately 1 million yen for a kei car, approximately 1.5 million yen for a 1500cc car, and approximately 1.7 million yen for a 2000cc car." A car lease sales support system characterized by displaying the following message.

6. A car lease sales support system according to claim 2, The aforementioned car sales support server displays the car cost comparison screen as follows: "The difference is this big?!" "Q (Question): What is the most cost-effective way to buy a car?" "[1] Purchase with a loan [2] Purchase with cash [3] Car lease [4] I don't know" "A (Answer) Car lease" "Just changing the way you buy a car can make a huge difference." "Loan purchase AAA million yen, cash purchase bbb million yen, new car ownership option (3-year trade-in lease) ccc million yen (however, AAA > bbb > ccc)", and "This is how much of a difference it makes if you own a car for 10 years. Car leasing, where you switch cars every 3 years, is the new way to own a car!" A car lease sales support system characterized by displaying the following message.

7. A car lease sales support system according to claim 2, The aforementioned car sales support server, as the monthly car cost comparison screen, "Of course, the cost is important when buying a car." "However, if you don't carefully consider the costs after purchase, you'll end up paying for nothing..." "I will explain in detail why there is such a difference." "How much it changes depending on how you use it! A concrete look at the difference in monthly costs." As for the maintenance costs over 10 years for a vehicle priced at xxx million yen, "3-year loan aa,aaa yen; Purchase (loan payment) bb,bbb yen; All cash payment cc,ccc yen; New way of driving (3-year car lease with trade-in) dd,ddd yen (however, aa,aaa > bb,bbb > cc,ccc > dd,ddd)" A car lease sales support system characterized by displaying the following message.

8. A car lease sales support system according to claim 2, The aforementioned car sales support server, as the cash flow comparison screen, "It makes such a difference how you ride it!" "A concrete look at the differences in cash flow," "[A] In the case of purchase (loan): (1) A lump sum of money is required for various expenses at the time of purchase. (2) Various taxes must be paid. (3) Costs such as vehicle inspections and various maintenance must be incurred as needed." "[B] In the case of car leasing: (1) Payments are fixed from start to finish. (2) There are no unexpected expenses such as annual automobile tax or vehicle inspections. (3) Necessary maintenance during the contract period is included, so you can rest assured." A car lease sales support system characterized by displaying the following message.

9. A car lease sales support system according to claim 2, The aforementioned car sales support server provides a screen for comparing advantages other than cost, "It makes such a difference how you ride it!" "A concrete look at the differences in safety," "With this new way of driving (3-year trade-in lease), you can gain a lot more than just cost savings!" "[A] In the case of purchase (loan): Decreased safety performance (relatively declining as the safety performance of new vehicles improves), Decreased fuel efficiency and environmental performance (relatively declining as the fuel efficiency of new vehicles improves)." "[B] New driving option (3-year replacement lease): You'll get the latest advanced safety features and fuel efficiency by regularly (every 3 years) switching to a new car. The tires will also be replaced with new ones every 3 years, providing even greater peace of mind and safety." A car lease sales support system characterized by displaying the following message.

10. A car lease sales support system according to claim 2, The aforementioned vehicle sales support server, as the vehicle lease and asset management screen, "Graduate from driving cars until they're worn out and embrace a future of overwhelming success through leasing and asset management!" In addition to the message, "Things change so much in 10 years: Loan purchase (driving the same car for 10 years) AAA million yen; Cash purchase (driving the same car for 10 years) BBB million yen; A new way to drive (3-year lease) CCC million yen (however, AAA > BBB > CCC)", The graph displays the following information: "If you are considering a loan, you can build assets by choosing leasing instead," and "By accumulating and investing the difference between the monthly loan payment and the monthly lease payment in yen, you can build assets of xxx million yen in 5 years (with an investment return of p%)." A car lease sales support system characterized by displaying an image containing the following message: "If you purchase with cash, your future will change depending on how you use the funds you have on hand. If you buy a car with the bbb million yen you have on hand, its asset value will be almost zero in 10 years. If you invest it for 10 years, you will build assets of yyy million yen. Will you still use your cash on hand to buy a car?"

11. A car lease sales support system according to claim 2, The aforementioned car sales support server, as the presentation end screen, "We have introduced a new way to own a car that won't result in losses." A car lease sales support system characterized by displaying the message "..." along with menu selection buttons for the presentation information and the calculation information.

12. A car lease sales support system according to claim 1, The aforementioned car sales support server uses the following as the calculation information: Trial calculation start screen, Car type selection screen, Screen for selecting the monthly payment amount, Car selection screen, Customer information input screen, and Calculation completion screen, The screen information including this information is displayed through a screen transition operation. The aforementioned calculation start screen indicates the start of a proposal for a new way of owning a car. The aforementioned car type selection screen displays the car type, The aforementioned monthly payment amount selection screen allows the customer to select a monthly payment amount they are able to afford. The aforementioned car selection screen allows the customer to select their desired car model. The aforementioned customer information input screen allows the customer to input the personal information necessary to purchase the desired vehicle, and further, The aforementioned calculation completion screen is characterized by indicating that the system will support the customer in purchasing the vehicle of their choice.

13. A car lease sales support system according to claim 12, The aforementioned car sales support server, as the calculation start screen, "A proposal for a new way of owning a car," "Just answer two questions." "We will propose the best way for you to own a car." A car lease sales support system characterized by displaying the following message.

14. A car lease sales support system according to claim 12, The aforementioned car sales support server, as the car type selection screen, A car lease sales support system characterized by displaying the message "Please select a car type" and providing selection buttons for kei cars, compact cars, minivans, SUVs, and others.

15. A car lease sales support system according to claim 12, The aforementioned car sales support server, as the selection screen for the monthly payment amount, A car lease support device characterized by displaying the message "Please select an amount you can afford to pay monthly," and providing buttons to select amounts such as "Up to 5,000 yen," "Up to 10,000 yen," "Up to 15,000 yen," "Up to 20,000 yen," "20,000 yen or more," and "Unknown."

16. A car lease sales support system according to claim 12, The aforementioned car sales support server, as the car selection screen, In addition to displaying the message "Recommended car models for you", The "Vehicle Selection Information," including vehicle photos, names, new car prices, evaluation information (cost, safety performance, fuel efficiency / environmental performance), and selection buttons, will be updated and made selectable. When any of the aforementioned vehicle selection buttons is operated, the monthly payment amount will be displayed. Furthermore, this car lease sales support system features a message that reads, "This is a way to own a car by leasing a new car for three years," followed by messages regarding "Reasons for choosing this option" and "Benefits of leasing."

17. A car lease sales support system according to claim 12, The aforementioned car sales support server, as the customer information input screen, This car lease sales support system features a message that reads "Please enter your customer information," along with input fields for entering the customer's name, address, and other required personal information, and a submit button.

18. A car lease sales support system according to claim 12, The aforementioned car sales support server, as the customer information input screen, The message "Please take a picture of your driver's license with your mobile device's camera and send it" is displayed, along with the recipient information. A car lease sales support system characterized by registering predetermined personal information, including the customer's name and address, based on a photograph of the received driver's license.

19. A car lease sales support system according to claim 12, The aforementioned car sales support server displays the calculation completion screen as follows: A car lease sales support system characterized by displaying messages such as "Customer information has been sent" and "We will support you in purchasing the perfect car for you."

20. A car lease sales support system according to claim 1, The vehicle sales support server is a vehicle lease sales support system characterized by having it perform condition confirmation, purchase screening, and vehicle delivery as part of vehicle lease contract operations based on the customer information using the vehicle sales support terminal.

21. A car lease sales support system according to claim 20, The aforementioned car sales support server is a car lease sales support system characterized by having it perform the following as condition confirmations: confirmation of the desired car model, presentation of trade-in price, presentation of insurance premium, presentation of the difference with the loan, and, after linking with the life insurance business, presentation of the difference if the difference with the loan were invested.

22. A car lease sales support system according to claim 21, The vehicle sales support server is characterized in that, when a customer wishes to trade in a vehicle they currently own, it requests the leasing company system to send images of the vehicle, including the vehicle registration certificate, exterior, and interior, taken with the camera of a mobile device, and determines the trade-in price based on the received images and sends it to the leasing company system.

23. A car lease sales support system according to claim 20, The aforementioned car sales support server is a car lease sales support system characterized by having it perform the purchase screening process, which includes linking with the screening forms of each leasing company, providing information on credit card payment methods, and presenting point rewards for credit card payments.

24. A car lease sales support system according to claim 20, The aforementioned vehicle sales support server is a vehicle lease sales support system characterized by having it perform tasks such as ordering a vehicle, providing guidance on the process leading up to delivery, and providing guidance on maintenance after delivery.

25. A car lease sales support system according to claim 1, The car lease sales support system is characterized in that, when the car sales support server receives customer information requesting a car lease from the partner terminal, it transmits payment information for a predetermined referral fee to the partner server.

26. A car lease sales support system according to claim 1, The car lease sales support system is characterized in that when a car lease contract is concluded based on customer information introduced from the partner terminal, the car sales support server transmits payment information for a predetermined contract fee to the partner server.

27. A car lease sales support system according to claim 1, The aforementioned car sales support server cooperates with a predetermined external system, The aforementioned external system is a car lease sales support system characterized by including a customer management system, a credit card payment system, a non-life insurance system, a call center system, a car lease system for leasing companies, a points-related system, a driver monitoring system, and a car dealer system.

28. A car lease sales support system according to claim 1, The aforementioned car sales support server is A car lease sales support system characterized by receiving the access request from the partner terminal, transmitting and displaying car lease introduction information including the presentation information and / or the estimated calculation information, creating support management data for the usage status of the car lease introduction information, processing and analyzing the support management data, and displaying the results.

29. A car lease sales support system according to claim 28, The aforementioned car sales support server is Upon access by the aforementioned partner terminal, a login screen is sent, and in addition to prompting the user to enter a pre-registered login ID and password, the user is asked to select whether the purpose of using the vehicle lease introduction information is customer support or training. A car lease sales support system characterized in that, upon receiving login information including the login ID, password, and purpose of use, it generates the support management data if the purpose of use is customer support, and does not generate the support management data if the purpose of use is training.

30. A car lease sales support system according to claim 29, The aforementioned car sales support server is When the login of the aforementioned partner terminal is detected, the timer is started. Each time an event on the partner terminal is detected in connection with a screen switching operation of the presentation information and the calculation information, which are composed of multiple screens, the timer value of the timer indicating the start time of the screen switching and a predetermined screen code indicating the switched screen are registered in a predetermined event list. A car lease support system characterized in that, when it detects that the partner terminal has logged out, it generates a predetermined support management record based on the event list and adds it to the support management data.

31. A car lease sales support system according to claim 30, When the vehicle sales support server registers the timer value and the screen code in the event list, it calculates the screen access time of the previous switching screen as the difference between the timer value indicating the start time of the switching screen of the previous event and the current time, and registers this in the event list. A car lease support system characterized by detecting when the partner terminal has logged out, calculating the total access time obtained by summing the screen access times of the events, and registering it in the event list.

32. A car lease sales support system according to claim 31, The aforementioned event list is a car leasing support system characterized by including the name of the partner company, login ID, password, login time, and logout time as header information.

33. A car lease sales support system according to claim 32, The vehicle leasing support system is characterized in that the vehicle sales support server generates support management records based on the event list, including the name of the partner company, login ID, password, login time, logout time, access time, usage history indicating screen switching of presentation information, usage history indicating screen switching of trial information, and whether or not customer information was acquired, and adds these records to the support management data.

34. A car lease sales support system according to claim 33, The aforementioned vehicle sales support server is Based on the aforementioned support management data, predetermined aggregated data is generated at predetermined intervals. The aggregated data includes the names of partner companies, the number of accesses, the access time, the average access time, and the number of customer information retrieved. The aggregated data generated includes daily aggregated data, weekly aggregated data, weekly aggregated data broken down by day of the week, monthly aggregated data, and yearly aggregated data. A car lease sales support system characterized in that the aggregated data is displayed in a tabular or graphical format.

34. A car lease sales support system according to claim 33, The aforementioned vehicle sales support server is A car lease sales support system characterized by generating and displaying a screen transition graph showing the screen access time for switching screens from login to logout, based on the aforementioned event list.

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