Plan recommendation device, system, program, and plan recommendation method

Abstract

To provide a plan recommending device, system, program and plan recommending method that allow a user to easily select a contract plan even when there are a plurality of contract plans for leasing a vehicle.SOLUTION: In a system 10, a plan recommendation apparatus 20 includes a control unit that acquires information about a user 11 and, based on the acquired information, selects either a first plan that is prohibited from being canceled mid-term without at least a penalty as a contract plan for leasing a vehicle or a second plan that has a higher initial cost than the first plan and allows mid-term cancellation, and presents recommendation data recommending the selected plan to the user 11.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present disclosure relates to a plan recommendation device, a system, a program, and a plan recommendation method. [Background technology]

[0002] Patent Document 1 discloses a method for creating a lease plan. [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] In the conventional method, the lease plans may become complicated, making it difficult for the user to understand the lease plans. In particular, when there are multiple lease plans, it may be difficult for the user to select the most suitable lease plan.

[0005] An object of the present disclosure is to enable a user to easily select a contract plan even when there are multiple contract plans for leasing a vehicle. [Means for solving the problem]

[0006] The plan recommendation device according to the present disclosure comprises: The control unit acquires information about a user, and based on the acquired information, selects, as a contract plan for leasing a vehicle, either a first plan in which mid-contract cancellation is prohibited without at least a penalty, or a second plan in which mid-contract cancellation is permitted and which has a higher initial cost than the first plan, and presents recommendation data recommending the selected plan to the user.

[0007] The program according to the present disclosure is Obtaining information about a user; Based on the acquired information, select, as a contract plan for leasing a vehicle, one of a first plan in which mid-term cancellation is prohibited without at least a penalty, and a second plan in which mid-term cancellation is permitted and which has a higher initial cost than the first plan; presenting recommendation data to the user recommending the selected plan; The method causes a computer to perform operations including:

[0008] The plan recommendation method according to the present disclosure includes: acquiring information about a user by a control unit; The control unit selects, based on the acquired information, as a contract plan for leasing a vehicle, either a first plan in which mid-term cancellation is prohibited without at least a penalty, or a second plan in which mid-term cancellation is permitted and which has a higher initial cost than the first plan; presenting recommendation data recommending the selected plan to the user by the control unit; Includes. Effect of the Invention

[0009] According to the present disclosure, even if there are multiple contract plans for leasing a vehicle, the user can easily select a contract plan. [Brief description of the drawings]

[0010] [Figure 1] FIG. 1 is a diagram illustrating a configuration of a system according to an embodiment of the present disclosure. [Diagram 2] FIG. 1 is a diagram showing examples of a plurality of contract plans and a plurality of contract types. [Diagram 3] FIG. 1 is a block diagram showing a configuration of a plan recommendation device according to an embodiment of the present disclosure. [Figure 4] FIG. 2 is a block diagram showing a configuration of a terminal device according to an embodiment of the present disclosure. [Diagram 5] 1 is a flowchart illustrating an operation of a system according to an embodiment of the present disclosure. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] Hereinafter, an embodiment of the present disclosure will be described with reference to the drawings.

[0012] In each drawing, the same or corresponding parts are denoted by the same reference numerals. In the description of this embodiment, the description of the same or corresponding parts will be omitted or simplified as appropriate.

[0013] The configuration of a system 10 according to this embodiment will be described with reference to FIG.

[0014] The system 10 according to this embodiment includes at least one plan recommendation device 20 and at least one terminal device 30. The plan recommendation device 20 is capable of communicating with the terminal device 30 via a network 40.

[0015] The plan recommendation device 20 is installed in a facility such as a data center. The plan recommendation device 20 is a computer such as a server belonging to a cloud computing system or other computing system.

[0016] The terminal device 30 is held by the user 11 or installed in the user 11's home, a vehicle dealer's shop, or other facilities and used by the user 11. The terminal device 30 is, for example, a mobile device such as a mobile phone, a smartphone, or a tablet, a PC, or a dedicated device of a vehicle dealer. "PC" is an abbreviation for personal computer.

[0017] Network 40 includes the Internet, at least one WAN, at least one MAN, or any combination thereof. "WAN" is an abbreviation for wide area network. "MAN" is an abbreviation for metropolitan area network. Network 40 may include at least one wireless network, at least one optical network, or any combination thereof. A wireless network may be, for example, an ad-hoc network, a cellular network, a wireless LAN, a satellite communication network, or a terrestrial microwave network. "LAN" is an abbreviation for local area network.

[0018] The present embodiment will be outlined with reference to FIG. 1 and FIG.

[0019] The plan recommendation device 20 acquires information Ni about the user 11. Based on the acquired information Ni, the plan recommendation device 20 selects, as a contract plan for leasing a vehicle, either a first plan P1 that prohibits mid-contract cancellation without at least a penalty, or a second plan P2 that has a higher initial cost than the first plan P1 and allows mid-contract cancellation. The plan recommendation device 20 presents recommendation data Dr that recommends the selected plan to the user 11.

[0020] According to this embodiment, even if there are a plurality of contract plans, the user 11 can easily select a contract plan.

[0021] The initial cost of the second plan P2 is higher than that of the first plan P1 because, for example, the first plan P1 does not require a down payment, whereas the second plan P2 does. The difference between the first plan P1 and the second plan P2 is, for example, that the former allows for bonus payments, whereas the latter does not. The total cost of the second plan P2 until the end of the lease period is the same as that of the first plan P1 in this embodiment, but it may be higher than that of the first plan P1.

[0022] In this embodiment, the plan recommendation device 20 further selects, based on the information Ni, a lease contract form from either a first form T1 in which the exterior, interior, equipment, or options of the vehicle are determined by the lease contractor, or a second form T2 which is less expensive than the first form T1 and in which the exterior, interior, equipment, or options of the vehicle are determined before the lease contract. The plan recommendation device 20 presents data recommending the selected plan and form to the user 11 as recommendation data Dr.

[0023] According to this embodiment, even if there are a plurality of contract types, the user 11 can easily select a contract type.

[0024] The cost of the second form T2 is less than the first form T1 because, for example, the monthly payment for the second form T2 is lower than for the first form T1.

[0025] Vehicles available for lease may be any type of automobile, such as, for example, a gasoline vehicle, a diesel vehicle, a hydrogen vehicle, a HEV, a PHEV, a BEV, or a FCEV. "HEV" is an abbreviation for hybrid electric vehicle. "PHEV" is an abbreviation for plug-in hybrid electric vehicle. "BEV" is an abbreviation for battery electric vehicle. "FCEV" is an abbreviation for fuel cell electric vehicle.

[0026] In the first form T1, the vehicle used is a new car ordered after the lease contract is signed. In the second form T2, the vehicle used is a used car, or a new car ordered before the lease contract is signed, such as an outlet car or a canceled car. An outlet car is a vehicle that is safe but has insufficient quality, such as scratches on the body. A canceled car is a vehicle that is safe and of good quality, but whose delivery was canceled at the last minute.

[0027] As an example, assume that the user 11 selects a combination of the first plan P1 and the first form T1, or a combination of the second plan P2 and the first form T1. In this case, the user 11 can freely decide the exterior such as the body color, the interior such as the seat color, the equipment such as wheels, audio, or navigation, or the options such as additional packages for the new car to be ordered at the time of the lease contract. However, the user 11 may have to wait a long time for the delivery of the car.

[0028] As another example, assume that the user 11 selects a combination of the first plan P1 and the second form T2. In this case, the user 11 can choose one car from among multiple outlet cars or canceled cars when signing the lease contract. However, the exterior, interior, equipment, and options of each outlet car or canceled car have already been decided.

[0029] As another example, assume that the user 11 selects a combination of the second plan P2 and the second form T2. In this case, the user 11 can choose one car from a number of used cars when signing a lease contract. However, the exterior, interior, equipment, and options of each used car have already been decided.

[0030] In this embodiment, when the user 11 visits a plan recommendation site from a vehicle manufacturer site, the plan recommendation device 20 acquires various information, such as the income, family structure, other attributes, and the degree of certainty of the future life plan of the user 11, as information Ni. The plan recommendation device 20 recommends to the user 11 an optimal combination of contract plan and contract form based on the acquired various information.

[0031] According to this embodiment, even when the user 11 suddenly enters the site or when the user 11 changes his / her life stage, the optimal option can be proposed to the user 11 from among the four segments shown in FIG. 2. For example, if the user 11 has just become independent from his / her parents, a combination of the second plan P2 and the second form T2 can be recommended. As a vehicle to be leased, the user 11 can be presented with a variety of options, without being limited to new cars or to used cars, and a site can be provided that allows the user 11 to easily make a choice.

[0032] In this embodiment, the lease period corresponding to the combination of the second plan P2 and the second form T2 is fixed at 2 years, and the lease periods corresponding to the other combinations are set to be selectable from 3 years, 5 years, and 7 years, but the lease period corresponding to any combination can be changed as appropriate. For example, the lease periods corresponding to all combinations may be the same or different from each other. The lease period corresponding to any combination may be fixed or may be set to be selectable.

[0033] The configuration of the plan recommending device 20 according to this embodiment will be described with reference to FIG.

[0034] The plan recommending device 20 includes a control unit 21, a storage unit 22, and a communication unit 23.

[0035] The control unit 21 includes at least one processor, at least one programmable circuit, at least one dedicated circuit, or any combination thereof. The processor is a general-purpose processor such as a CPU or GPU, or a dedicated processor specialized for a specific process. "CPU" is an abbreviation for central processing unit. "GPU" is an abbreviation for graphics processing unit. The programmable circuit is, for example, an FPGA. "FPGA" is an abbreviation for field-programmable gate array. The dedicated circuit is, for example, an ASIC. "ASIC" is an abbreviation for application specific integrated circuit. The control unit 21 executes processes related to the operation of the plan recommendation device 20 while controlling each part of the plan recommendation device 20.

[0036] The storage unit 22 includes at least one semiconductor memory, at least one magnetic memory, at least one optical memory, or any combination thereof. The semiconductor memory is, for example, a RAM or a ROM. "RAM" is an abbreviation for random access memory. "ROM" is an abbreviation for read only memory. The RAM is, for example, an SRAM or a DRAM. "SRAM" is an abbreviation for static random access memory. "DRAM" is an abbreviation for dynamic random access memory. The ROM is, for example, an EEPROM. "EEPROM" is an abbreviation for electrically erasable programmable read only memory. The storage unit 22 functions, for example, as a main storage device, an auxiliary storage device, or a cache memory. The storage unit 22 stores data used in the operation of the plan recommendation device 20 and data obtained by the operation of the plan recommendation device 20.

[0037] The communication unit 23 includes at least one communication interface. The communication interface is, for example, a LAN interface. The communication unit 23 communicates with the terminal device 30. The communication unit 23 receives data used in the operation of the plan recommendation device 20, and transmits data obtained by the operation of the plan recommendation device 20.

[0038] The functions of the plan recommendation device 20 are realized by executing a server program according to this embodiment on a processor serving as a control unit 21. That is, the functions of the plan recommendation device 20 are realized by software. The server program causes a computer to execute the operations of the plan recommendation device 20, thereby causing the computer to function as the plan recommendation device 20. That is, the computer functions as the plan recommendation device 20 by executing the operations of the plan recommendation device 20 in accordance with the server program.

[0039] The program may be stored in a non-transitory computer-readable medium. Examples of the non-transitory computer-readable medium include a flash memory, a magnetic recording device, an optical disk, a magneto-optical recording medium, or a ROM. The program may be distributed, for example, by selling, transferring, or lending a portable medium such as an SD card, DVD, or CD-ROM on which the program is stored. "SD" is an abbreviation for Secure Digital. "DVD" is an abbreviation for digital versatile disc. "CD-ROM" is an abbreviation for compact disc read only memory. The program may be distributed by storing the program in the storage of a server and transferring the program from the server to another computer. The program may be provided as a program product.

[0040] A computer temporarily stores in a main storage device, for example, a program stored in a portable medium or a program transferred from a server. Then, the computer reads the program stored in the main storage device with a processor, and executes processing according to the read program with the processor. The computer may read the program directly from a portable medium and execute processing according to the program. The computer may execute processing according to the received program each time a program is transferred from the server to the computer. Processing may be executed by a so-called ASP-type service that realizes functions only by execution instructions and result acquisition without transferring a program from the server to the computer. "ASP" is an abbreviation for application service provider. A program is information used for processing by a computer, and includes those equivalent to a program. For example, data that is not a direct command to a computer but has the property of defining computer processing falls under "those equivalent to a program."

[0041] A part or all of the functions of the plan recommendation device 20 may be realized by a programmable circuit or a dedicated circuit as the control unit 21. In other words, a part or all of the functions of the plan recommendation device 20 may be realized by hardware.

[0042] The configuration of the terminal device 30 according to this embodiment will be described with reference to FIG.

[0043] The terminal device 30 includes a control unit 31, a storage unit 32, a communication unit 33, an input unit 34, and an output unit 35.

[0044] The control unit 31 includes at least one processor, at least one programmable circuit, at least one dedicated circuit, or any combination thereof. The processor is a general-purpose processor such as a CPU or a GPU, or a dedicated processor specialized for a specific process. The programmable circuit is, for example, an FPGA. The dedicated circuit is, for example, an ASIC. The control unit 31 executes processes related to the operation of the terminal device 30 while controlling each part of the terminal device 30.

[0045] The storage unit 32 includes at least one semiconductor memory, at least one magnetic memory, at least one optical memory, or any combination thereof. The semiconductor memory is, for example, a RAM or a ROM. The RAM is, for example, an SRAM or a DRAM. The ROM is, for example, an EEPROM. The storage unit 32 functions as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 32 stores data used in the operation of the terminal device 30 and data obtained by the operation of the terminal device 30.

[0046] The communication unit 33 includes at least one communication interface. The communication interface is, for example, an interface compatible with a mobile communication standard such as LTE, 4G standard, or 5G standard, an interface compatible with a short-range wireless communication standard such as Bluetooth (registered trademark), or a LAN interface. "LTE" is an abbreviation for Long Term Evolution. "4G" is an abbreviation for 4th generation. "5G" is an abbreviation for 5th generation. The communication unit 33 communicates with the plan recommendation device 20. The communication unit 33 receives data used in the operation of the terminal device 30, and transmits data obtained by the operation of the terminal device 30.

[0047] The input unit 34 includes at least one input interface. The input interface is, for example, a physical key, a capacitive key, a pointing device, a touch screen integral with a display, a camera, LiDAR, or a microphone. "LiDAR" is an abbreviation for light detection and ranging. The input unit 34 accepts an operation to input data used for the operation of the terminal device 30. The input unit 34 may be connected to the terminal device 30 as an external input device instead of being provided in the terminal device 30. As the connection interface, for example, an interface compatible with a standard such as USB, HDMI (registered trademark), or Bluetooth (registered trademark) can be used. "USB" is an abbreviation for Universal Serial Bus. "HDMI (registered trademark)" is an abbreviation for High-Definition Multimedia Interface.

[0048] The output unit 35 includes at least one output interface. The output interface is, for example, a display or a speaker. The display is, for example, an LCD or an organic EL display. "LCD" is an abbreviation for liquid crystal display. "EL" is an abbreviation for electro luminescence. The output unit 35 outputs data obtained by the operation of the terminal device 30. The output unit 35 may be connected to the terminal device 30 as an external output device instead of being provided in the terminal device 30. As the connection interface, for example, an interface compatible with a standard such as USB, HDMI (registered trademark), or Bluetooth (registered trademark) can be used.

[0049] The functions of the terminal device 30 are realized by executing a terminal program according to this embodiment on a processor serving as the control unit 31. That is, the functions of the terminal device 30 are realized by software. The terminal program causes a computer to execute the operations of the terminal device 30, thereby causing the computer to function as the terminal device 30. That is, the computer functions as the terminal device 30 by executing the operations of the terminal device 30 in accordance with the terminal program.

[0050] A part or all of the functions of the terminal device 30 may be realized by a programmable circuit or a dedicated circuit as the control unit 31. In other words, a part or all of the functions of the terminal device 30 may be realized by hardware.

[0051] The operation of the system 10 according to the present embodiment will be described with reference to Fig. 5. This operation corresponds to the plan recommending method according to the present embodiment.

[0052] In step S1, the control unit 21 of the plan recommendation device 20 acquires information Ni about the user 11. The information Ni includes information N1 about how many vehicles the user 11 owns or uses under different leases, information N2 about whether it is confirmed that the user 11 will not be transferred before the expiration of the lease term, information N3 about whether the user 11 can pay the initial cost of the second plan P2, or any combination thereof. In this embodiment, the information Ni further includes information N4 about the user 11's occupation, income, age, family structure, driving years, driving ability, or any combination thereof, information N5 about when the user 11 wishes to deliver the vehicle, or both of these. The information Ni further includes information N6 about the insurance grade of the user 11.

[0053] The information Ni may be acquired by any procedure, but in this embodiment, it is acquired by the following procedure.

[0054] The control unit 31 of the terminal device 30 accepts an operation to input information Ni from the user 11 via the input unit 34. The control unit 31 causes the communication unit 33 to transmit the input information Ni. The communication unit 33 transmits the information Ni to the plan recommendation device 20 as communication data Dc such as an HTTP message. "HTTP" is an abbreviation for Hypertext Transfer Protocol. The communication unit 23 of the plan recommendation device 20 receives the transmitted communication data Dc from the terminal device 30. The control unit 21 of the plan recommendation device 20 acquires the communication data Dc received by the communication unit 23. That is, the control unit 21 acquires the information Ni via the communication unit 23.

[0055] In step S2, the control unit 21 of the plan recommendation device 20 selects, as a contract plan for leasing a vehicle, either a first plan P1 in which cancellation is prohibited at least without penalty, or a second plan P2 in which cancellation is permitted, and the initial cost is higher than that of the first plan P1. In this embodiment, the control unit 21 further selects, as a lease contract form, either a first form T1 in which the exterior, interior, equipment, or options of the vehicle are determined by the lease contractor, or a second form T2 in which the cost is lower than that of the first form T1 and the exterior, interior, equipment, or options of the vehicle are determined before the lease contract. That is, the control unit 21 selects one combination from the combination of the first plan P1 and the first form T1, the combination of the second plan P2 and the first form T1, the combination of the first plan P1 and the second form T2, and the combination of the second plan P2 and the second form T2, based on the information Ni acquired in step S1.

[0056] Specifically, the control unit 21 of the plan recommendation device 20 selects a contract plan based on the information N1, the information N2, the information N3, or any combination of these. That is, the control unit 21 selects a contract plan based on how many vehicles the user 11 owns or uses under different leases, whether it is certain that the user 11 will not be transferred before the expiration of the lease term, whether the user 11 can pay the initial cost of the second plan P2, or any combination of these.

[0057] As an example, assume that user 11 owns one vehicle and is considering leasing a second vehicle. In this case, there is a possibility that the second vehicle will end up being unnecessary and mid-contract termination will be necessary. Therefore, control unit 21 selects second plan P2. However, if there is a reason that user 11 cannot select second plan P2, such as being unable to pay the initial cost of second plan P2, control unit 21 selects first plan P1.

[0058] As another example, assume that the user 11 will not be transferred for five years and will be transferred after that. In this case, if the lease period is set to five years, the possibility of needing to terminate the contract midway is low. Therefore, the control unit 21 selects the first plan P1 with the condition that the lease period is set to five years.

[0059] As yet another example, assume that it is confirmed that the user 11 will not be transferred for one year, but there is a possibility that he or she will be transferred after that. In this case, as shown in FIG. 2, since the lease period is at least two years, there is a possibility that the lease will need to be terminated midway. Therefore, the control unit 21 selects the second plan P2. However, if there is a reason that the user 11 cannot select the second plan P2, such as being unable to pay the initial cost of the second plan P2, the control unit 21 selects the first plan P1.

[0060] In this embodiment, the control unit 21 of the plan recommendation device 20 further selects the contract type based on the information N4, the information N5, or both of them. That is, the control unit 21 further selects the contract type based on the occupation, income, age, family structure, driving years, driving ability, the date by which the user 11 wishes to receive the vehicle, or any combination of these.

[0061] As an example, assume that the user 11 is a student, the user 11 has an income lower than a certain standard, or the user 11 is younger than a certain standard. In this case, it is better for the leasing cost to be low. Therefore, the control unit 21 selects the second form T2.

[0062] As another example, assume that the family of the user 11 includes children. In this case, it is preferable to be able to freely decide options such as an automatic opening and closing function for the sliding door or rear door. Therefore, the control unit 21 selects the first mode T1.

[0063] As another example, assume that the user 11 has been driving for less than a certain period of time or has a lower driving ability than a certain period of time. In this case, since there is a possibility that the vehicle body may be damaged by hitting something due to a driving mistake, it is better to choose an outlet car or a used car rather than a new car. Therefore, the control unit 21 selects the second form T2.

[0064] As another example, assume that the user 11 wishes to start using the vehicle within one month. In this case, since the delivery time for a new car is long, an outlet car, a canceled car, or a used car would be better. Therefore, the control unit 21 selects the second form T2.

[0065] In step S3, the control unit 21 of the plan recommendation device 20 determines whether to include an insurance contract in the lease contract based on the information Ni acquired in step S1, specifically, the information N6. That is, the control unit 21 determines whether to include an insurance contract in the lease contract based on the insurance grade of the user 11.

[0066] As an example, assume that the grade of the automobile insurance of the user 11 is higher than a certain standard. In this case, the user 11 may benefit from signing a contract for automobile insurance separately from the lease contract. Therefore, the control unit 21 decides not to include the insurance contract in the lease contract.

[0067] As another example, assume that the grade of the automobile insurance of the user 11 is lower than a certain standard. In this case, the user 11 may incur a loss if he / she contracts the automobile insurance separately from the lease contract. Therefore, the control unit 21 decides to include the insurance contract in the lease contract.

[0068] In step S4, the control unit 21 of the plan recommendation device 20 presents recommended data Dr recommending the plan selected in step S2 to the user 11. In this embodiment, the control unit 21 presents data recommending the plan and form selected in step S2 as the recommended data Dr to the user 11. The control unit 21 includes the result of the determination in step S3 in the recommended data Dr.

[0069] The recommended data Dr may be presented in any order, but in this embodiment, it is presented in the following order.

[0070] The control unit 21 of the plan recommendation device 20 causes the communication unit 23 to transmit the recommended data Dr. The communication unit 23 transmits the recommended data Dr to the terminal device 30 in a predetermined format such as an HTTP message. The communication unit 33 of the terminal device 30 receives the transmitted recommended data Dr from the plan recommendation device 20. The control unit 31 of the terminal device 30 acquires the recommended data Dr received by the communication unit 33. The control unit 31 presents the acquired recommended data Dr to the user 11. Any method may be used to present the recommended data Dr to the user 11, but in this embodiment, a method of displaying the contents of the recommended data Dr on a display as the output unit 35 is used. Alternatively, a method of outputting the contents of the recommended data Dr as audio from a speaker as the output unit 35 may be used.

[0071] The present disclosure is not limited to the above-mentioned embodiment. For example, two or more blocks shown in the block diagram may be integrated, or one block may be divided. Instead of executing two or more steps shown in the flowchart in chronological order as described, they may be executed in parallel or in a different order depending on the processing capacity of the device executing each step, or as necessary. Other modifications are possible without departing from the spirit of the present disclosure.

[0072] For example, instead of the plan recommendation device 20, the terminal device 30 may select a contract plan for leasing a vehicle and a contract form of the lease based on information Ni about the user 11. In this case, in step S1, the control unit 31 of the terminal device 30 acquires information Ni via the input unit 34. In step S2, the control unit 31 selects, as a contract plan, either a first plan P1 in which cancellation is prohibited at least without penalty, or a second plan P2 in which cancellation is permitted, the initial cost of which is higher than that of the first plan P1. Based on the information Ni, the control unit 31 further selects, as a contract form, either a first form T1 in which the exterior, interior, equipment, or options of the vehicle are determined by the lease contractor, or a second form T2 in which the cost is lower than that of the first form T1 and the exterior, interior, equipment, or options of the vehicle are determined before the lease contract. The specific procedure of the process in step S2 is the same as that executed by the control unit 21 of the plan recommendation device 20, so a description thereof will be omitted. In step S4, the control unit 31 of the terminal device 30 presents, as recommended data Dr, data recommending the plan and form selected in step S2 to the user 11. The method of presenting the recommended data Dr to the user 11 has already been described.

[0073] In step S3, the control unit 31 of the terminal device 30 may determine whether to include an insurance contract in the lease contract based on the information Ni. In that case, in step S4, the control unit 31 includes the result of the determination in step S3 in the recommendation data Dr.

[0074] The terminal device 30 corresponds to the plan recommendation device according to this modified example. In this modified example, the functions of the plan recommendation device are realized by executing the application program according to this modified example on a processor as the control unit 31. That is, the functions of the plan recommendation device are realized by software. The application program causes a computer to execute the operation of the plan recommendation device, thereby causing the computer to function as the plan recommendation device. That is, the computer functions as the plan recommendation device by executing the operation of the plan recommendation device according to the application program. Alternatively, some or all of the functions of the plan recommendation device may be realized by a programmable circuit or a dedicated circuit as the control unit 31. That is, some or all of the functions of the plan recommendation device may be realized by hardware. [Explanation of symbols]

[0075] 10. System 11 users 20 Plan Recommended Equipment 21 Control section 22 Memory section 23 Communications Department 30 Terminal Equipment 31 Control Unit 32 Storage section 33 Communications Department 34 Input section 35 Output section 40 Network

Claims

1. a control unit that acquires information about a user, and based on the acquired information, selects, as a contract plan for leasing a vehicle, either a first plan in which mid-term cancellation without at least a penalty is prohibited or a second plan in which mid-term cancellation is permitted and which has a higher initial cost than the first plan, and selects, as a contract form for the lease, either a first form in which the exterior, interior, equipment, or options of the vehicle are determined by the lease contractor or a second form in which the cost is lower than the first form and the exterior, interior, equipment, or options of the vehicle are determined before the lease contract is concluded, and presents recommendation data recommending the selected plan and form to the user; The information is Information regarding how many vehicles the user owns or has under separate lease, whether the user is certain that he or she will not be transferred before the expiration of the lease, whether the user can afford the initial cost of the second plan, or a combination of two or more of these; Information on the user's occupation, income, age, family structure, driving years, driving ability, the date by which the user wishes to receive the vehicle, or a combination of two or more of these; Including, The control unit is Selecting the contract plan based on how many vehicles the user owns or uses under a different lease, whether the user is certain that he or she will not be transferred before the expiration of the lease term, whether the user can pay the initial cost of the second plan, or a combination of two or more of these, A plan recommendation device that selects the contract type based on the user's occupation, income, age, family structure, number of years driving, driving ability, the date by which the user wishes to have the vehicle delivered, or a combination of two or more of these.

2. In the first embodiment, a new car that is ordered after the lease contract is concluded is used as the vehicle, 2. The plan recommendation device according to claim 1, wherein in the second embodiment, a used car or a new car ordered before the lease contract is concluded is used as the vehicle.

3. The information includes information about the user's insurance grade; 3. The plan recommendation device according to claim 1, wherein the control unit determines whether or not to include an insurance contract in the lease contract depending on an insurance grade of the user, and includes a result of the determination in the recommendation data.

4. A communication unit that communicates with the user's terminal device, The control unit acquires the information via the communication unit, and presents the recommended data to the user by causing the communication unit to transmit the recommended data. The plan recommendation device according to any one of claims 1 to 3.

5. A plan recommendation device according to claim 4; The terminal device A system comprising:

6. Obtaining information about a user; Based on the acquired information, select, as a contract plan for leasing a vehicle, either a first plan in which mid-term cancellation without at least a penalty is prohibited or a second plan in which an initial cost is higher than that of the first plan and mid-term cancellation is permitted, and select, as a contract form of the lease, either a first form in which the exterior, interior, equipment, or options of the vehicle are determined by the lease contractor or a second form in which the cost is lower than that of the first form and the exterior, interior, equipment, or options of the vehicle are determined before the lease contract is concluded; presenting recommendation data to the user recommending the selected plan and configuration; causing a computer to perform operations including The information is Information regarding how many vehicles the user owns or has under separate lease, whether the user is certain that he or she will not be transferred before the expiration of the lease, whether the user can afford the initial cost of the second plan, or a combination of two or more of these; Information on the user's occupation, income, age, family structure, driving years, driving ability, the date by which the user wishes to receive the vehicle, or a combination of two or more of these; Including, The selecting step comprises: Selecting the contract plan based on how many vehicles the user owns or uses under a different lease, whether the user is certain that he or she will not be transferred before the expiration of the lease term, whether the user can pay the initial cost of the second plan, or a combination of two or more of these, The program includes selecting the contract type based on the user's occupation, income, age, family composition, number of years driving, driving ability, the date by which the user wishes to have the vehicle delivered, or a combination of two or more of these.

7. acquiring information about a user by a control unit; The control unit selects, based on the acquired information, as a contract plan for leasing the vehicle, either a first plan in which mid-term cancellation without at least a penalty is prohibited, or a second plan in which an initial cost is higher than that of the first plan and mid-term cancellation is permitted, and selects, as a contract form of the lease, either a first form in which the exterior, interior, equipment, or options of the vehicle are determined by the lease contractor, or a second form in which the cost is lower than that of the first form and the exterior, interior, equipment, or options of the vehicle are determined before the lease contract is concluded; presenting recommendation data recommending the selected plan and form to the user by the control unit; Including, The information is Information regarding how many vehicles the user owns or has under separate lease, whether the user is certain that he or she will not be transferred before the expiration of the lease, whether the user can afford the initial cost of the second plan, or a combination of two or more of these; Information on the user's occupation, income, age, family structure, driving years, driving ability, the date by which the user wishes to receive the vehicle, or a combination of two or more of these; Including, The selecting step comprises: Selecting the contract plan based on how many vehicles the user owns or uses under a different lease, whether the user is certain that he or she will not be transferred before the expiration of the lease term, whether the user can pay the initial cost of the second plan, or a combination of two or more of these, A plan recommendation method including selecting the contract type based on the user's occupation, income, age, family structure, number of years driving, driving ability, a date by which the user wishes to have the vehicle delivered, or a combination of two or more of these.

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