Information processing device, method, and program

Abstract

To provide an improved technique for creating vehicle leasing plans.SOLUTION: When a lease contract for a vehicle 10 has a down payment set therein and is cancelable during a lease period, a control unit of an information processing device 20 disclosed herein creates a leasing plan that does not allow a payment method involving adding a given amount to a payment amount in a given month to be selected as a lease charge payment method for the lease contract.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present disclosure relates to an information processing device, a method, and a program. [Background technology]

[0002] Conventionally, there are known techniques for creating vehicle lease plans. For example, Patent Document 1 discloses a method for creating a lease plan that allows for easy changes to items even during the lease period. [Prior art documents] [Patent documents]

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

[0004] There was room for improvement in the technology used to create vehicle leasing plans.

[0005] In view of the above circumstances, an object of the present disclosure is to improve the technology for creating vehicle lease plans. [Means for solving the problem]

[0006] An information processing device according to an embodiment of the present disclosure includes: An information processing device including a control unit, The control unit creates a lease plan that, when a down payment is set in a vehicle lease contract and the lease contract is cancelable during the lease period, makes it impossible to select a payment method in which the payment amount in a specified month is increased by a specified amount as a payment method for the lease fee related to the lease contract.

[0007] According to one embodiment of the present disclosure, the method comprises: A method executed by an information processing device, comprising: This includes creating a lease plan that, when a down payment is set in a vehicle lease contract and the lease contract is cancelable during the lease period, makes it impossible to select a payment method in which the payment amount in a specified month is increased by a specified amount as a payment method for the lease fee related to the lease contract.

[0008] A program according to an embodiment of the present disclosure includes: On the computer, When a down payment is set in a vehicle lease contract and the lease contract can be cancelled during the lease period, a lease plan is created that makes it impossible to select a payment method in which the payment amount in a specified month is increased by a specified amount as a payment method for the lease fee related to the lease contract. Effect of the Invention

[0009] According to one embodiment of the present disclosure, the technology for creating vehicle lease plans can be improved. [Brief description of the drawings]

[0010] [Figure 1] 1 is a block diagram showing a schematic configuration of a system according to an embodiment of the present disclosure. [Diagram 2] 1 is a block diagram showing a schematic configuration of an information processing device according to an embodiment of the present disclosure. [Diagram 3] FIG. 2 is a block diagram showing a schematic configuration of a terminal device according to an embodiment of the present disclosure. [Figure 4] 10 is a flowchart illustrating an operation of an information processing device according to an embodiment of the present disclosure. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] Hereinafter, embodiments of the present disclosure will be described.

[0012] An overview of a system 1 according to an embodiment of the present disclosure will be described with reference to FIG.

[0013] The system 1 includes a vehicle 10, an information processing device 20, and a terminal device 30. The vehicle 10, the information processing device 20, and the terminal device 30 are connected to a network 40 so as to be able to communicate with each other.

[0014] The vehicle 10 is, for example, an automobile, but is not limited thereto and may be any vehicle. The automobile may be, for example, a gasoline automobile, an electric automobile, a hybrid automobile, a plug-in hybrid automobile, or a fuel cell automobile, but is not limited thereto. The vehicle 10 may be driven by a driver, or may be automated at any level. The level of automation may be, for example, any of levels 1 to 5 according to the level classification of the Society of Automotive Engineers (SAE). The vehicle 10 may be a vehicle dedicated to MaaS (Mobility as a Service).

[0015] The information processing device 20 is a computer such as a server that belongs to a cloud computing system or other computing system.

[0016] The terminal device 30 is a mobile phone, a smartphone, a tablet, a personal computer, or the like.

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

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

[0019] The control unit 21 of the information processing device 20 creates a lease plan that, when a down payment is set in the lease contract for the vehicle 10 and the lease contract can be terminated during the lease period, makes it impossible to select a payment method in which the payment amount for a specified month is increased by a specified amount as a payment method for the lease fee related to the lease contract.

[0020] In this way, according to the present embodiment, even if the lease contract is terminated within a short period of time, such as within one year, it is possible to suppress fluctuations in the monthly payment amount of the lease fee. Therefore, for example, the vehicle 10 related to the lease contract can be terminated or changed within a short period of time. Therefore, the technology for creating a lease plan for the vehicle 10 can be improved.

[0021] The configuration of the information processing device 20 according to this embodiment will be described with reference to FIG.

[0022] The information processing device 20 includes a control unit 21, a communication unit 22, and a storage unit 23.

[0023] 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, for example, a general-purpose processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit), or a dedicated processor specialized for a specific process, but is not limited thereto. The programmable circuit is, for example, a FPGA (Field-Programmable Gate Array), but is not limited thereto. The dedicated circuit is, for example, an ASIC (Application Specific Integrated Circuit), but is not limited thereto. The control unit 21 executes processes related to the operation of the information processing device 20 while controlling each part of the information processing device 20.

[0024] The communication unit 22 includes at least one communication interface. The communication interface corresponds to, for example, a mobile communication standard, a wired LAN standard, or a wireless LAN standard, but is not limited to these, and may correspond to any communication standard. The communication unit 22 receives data used in the operation of the information processing device 20, and transmits data obtained by the operation of the information processing device 20.

[0025] The storage unit 23 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 random access memory (RAM) or a read only memory (ROM). The RAM is, for example, a static random access memory (SRAM) or a dynamic random access memory (DRAM). The ROM is, for example, an electrically erasable programmable read only memory (EEPROM). The storage unit 23 functions as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 23 stores data used in the operation of the information processing device 20 and data obtained by the operation of the information processing device 20. In this embodiment, the data used in the operation of the information processing device 20 includes a system program, an application program, a database, and the like.

[0026] The configuration of a terminal device 30 according to this embodiment will be described with reference to FIG.

[0027] The terminal device 30 includes a control unit 31, a communication unit 32, a storage unit 33, an input unit 34, and an output unit 35.

[0028] 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 GPU, or a dedicated processor specialized for a specific process, but is not limited thereto. The programmable circuit is, for example, but is not limited to, an FPGA. The dedicated circuit is, for example, but is not limited to, 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.

[0029] The communication unit 32 includes at least one communication interface. The communication interface is, for example, an interface compatible with a mobile communication standard such as LTE (Long Term Evolution), 4G (4th Generation) standard, or 5G (5th Generation) standard, an interface compatible with a short-range wireless communication standard such as Bluetooth (registered trademark), or a LAN interface. The communication unit 32 receives data used in the operation of the terminal device 30, and transmits data obtained by the operation of the terminal device 30.

[0030] The storage unit 33 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 33 functions as, for example, a main storage device, an auxiliary storage device, or a cache memory. The storage unit 33 stores data used in the operation of the terminal device 30 and data obtained by the operation of the terminal device 30.

[0031] 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 integrally provided with a display, a camera, a LiDAR (light detection and ranging, or laser imaging, detection, and ranging), or a microphone. 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 (Universal Serial Bus), HDMI (registered trademark), or Bluetooth (registered trademark) can be used.

[0032] 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, a liquid crystal display (LCD) or an organic EL (electro luminescence) display. 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 standards such as USB, HDMI (registered trademark), or Bluetooth (registered trademark) can be used.

[0033] The operation of the information processing device 20 according to the present embodiment will be described with reference to Fig. 4. This operation corresponds to a method according to an embodiment of the present disclosure.

[0034] Step S100: The control unit 21 of the information processing device 20 presents a plurality of options indicating the contents of the lease service for the vehicle 10 on the terminal device 30 so that the user can select them.

[0035] Specifically, the control unit 21 of the information processing device 20 causes the communication unit 22 to output a plurality of options indicating the name and overview of the vehicle 10 leasing service on a screen or via audio via the output unit 35 of the terminal device 30 so that the user can select from them. For example, the options may be options indicating whether the vehicle 10 related to the lease contract is to be a new car or a used car. Also, for example, the options may be options indicating whether a down payment is to be set at the time of the lease contract or whether no down payment is to be set. Also, for example, the options may be options indicating whether the lease contract is cancelable during the lease period (hereinafter referred to as "mid-term cancellation possible").

[0036] Step S101: The control unit 21 of the information processing device 20 acquires information indicating an option selected by the user.

[0037] Specifically, the control unit 21 of the information processing device 20 receives information indicating an option selected by the user via the input unit 34 of the terminal device 30 from the terminal device 30 via the communication unit 22. In this example, it is assumed that the vehicle 10 related to the lease contract is a used car, a down payment is set at the time of the lease contract, and an option that allows the lease contract to be terminated midway is selected by the user.

[0038] Step S102: The control unit 21 of the information processing device 20 generates a lease plan corresponding to the option selected by the user.

[0039] In this example, it is assumed that the user has selected an option to set a down payment at the time of the lease contract and to allow the lease contract to be terminated midway. Specifically, the control unit 21 of the information processing device 20 creates a lease plan in which a payment method in which a predetermined amount is added to the payment amount in a predetermined month cannot be selected as a payment method for the lease fee related to the lease contract. The payment method in which a predetermined amount is added to the payment amount in a predetermined month may include, for example, a bonus payment in which a predetermined amount is added to the payment amount in a bonus month.

[0040] More specifically, the control unit 21 of the information processing device 20 calculates the lease fee in the case where a payment method in which the payment amount in a predetermined month is increased by a predetermined amount is not selected, based on information indicating the predetermined lease period stored in the storage unit 23. Then, the control unit 21 of the information processing device 20 creates a lease plan including the calculated lease fee. Here, when the vehicle 10 related to the lease contract is a used car as in this example, the predetermined lease period may be set shorter than the lease period (e.g., 3 years, 5 years, or 7 years) in the case where the vehicle 10 related to the lease contract is a new car, and may be, for example, 1 year or 2 years. In addition, the predetermined lease period may be selectable by the user. In this case, the control unit 21 of the information processing device 20 presents a plurality of options (e.g., 1 year or 2 years) indicating the lease period to the terminal device 30 so that the user can select from them. Then, the control unit 21 of the information processing device 20 receives information indicating the option selected by the user via the input unit 34 of the terminal device 30 from the terminal device 30 via the communication unit 22. Then, the control unit 21 of the information processing device 20 stores the received information indicating the options in the storage unit 23.

[0041] Step S103: The control unit 21 of the information processing device 20 presents the generated lease plan to the terminal device 30.

[0042] Specifically, the control unit 21 of the information processing device 20 causes the generated lease plan to be output on a screen or as audio via the output unit 35 of the terminal device 30 via the communication unit 22. As a result, for example, the lease fee calculated in step S102 is displayed in the "Monthly payment amount" field of the lease plan displayed on the screen of the output unit 35 of the terminal device 30, and the "Bonus payment" field is grayed out so that the bonus payment cannot be selected by the user.

[0043] As described above, the control unit 21 of the information processing device 20 in this embodiment creates a lease plan that makes it impossible to select a payment method in which the payment amount for a specified month is increased by a specified amount as a payment method for the lease fee related to the lease contract when a down payment is set in the lease contract for the vehicle 10 and the lease contract is cancelable during the lease period.

[0044] According to this configuration, even if the lease contract is terminated within a short period, such as within one year, it is possible to suppress fluctuations in the monthly payment amount of the lease fee. Therefore, for example, the vehicle 10 related to the lease contract can be terminated or changed within a short period. Therefore, it is possible to improve the technology for creating a lease plan for the vehicle 10.

[0045] Although the present disclosure has been described based on the drawings and examples, it should be noted that those skilled in the art may make various modifications and alterations based on the present disclosure. Therefore, it should be noted that these modifications and alterations are included in the scope of the present disclosure. For example, the functions included in each component or step can be rearranged so as not to be logically inconsistent, and multiple components or steps can be combined or divided into one.

[0046] As a modified example, an embodiment in which the configuration and operation of the information processing device 20 are distributed among a plurality of computers that can communicate with each other is also possible. Also, for example, an embodiment in which some or all of the components of the information processing device 20 are provided in the vehicle 10 is also possible. For example, a car navigation device mounted in the vehicle 10 may include some or all of the components of the information processing device 20.

[0047] As a modified example, the lease contract in the above embodiment may not be able to be cancelled within a predetermined period from the time of the lease contract. In this case, in the above step S102, the control unit 21 of the information processing device 20 may create a lease plan in which, when the predetermined period includes the predetermined month in the above embodiment, a payment method in which the payment amount in the predetermined month is increased by a predetermined amount can be selected within the predetermined period, and the lease fee for the predetermined period when the payment method in which the payment amount in the predetermined month is increased by a predetermined amount is selected is equal to the lease fee for the predetermined period when the payment method in which the payment amount in the predetermined month is increased by a predetermined amount is not selected. Here, the control unit 21 of the information processing device 20 may calculate the predetermined period by the following method. That is, the control unit 21 of the information processing device 20 calculates the predetermined period based on the residual value of the vehicle 10 at the time when the predetermined period has elapsed and the lease fee for the predetermined period. For example, the control unit 21 of the information processing device 20 may calculate the specified period so that the sum of the remaining price of the vehicle 10 at the end of the specified period and the lease fee for the specified period is greater than the sum of the remaining price of the vehicle 10 at the end of the lease period and the lease fee for the lease period.

[0048] As a modified example, in step S102 described above, the control unit 21 of the information processing device 20 may create a lease plan in which a payment method in which the payment amount in a specified month is increased by a specified amount during the specified period can be selected, and the lease fee for the specified period when a payment method in which the payment amount in a specified month is increased by a specified amount is selected is equal to the lease fee for the specified period when a payment method in which the payment amount in which the payment amount in a specified month is increased by a specified amount is not selected. Note that the method of calculating the specified period is the same as that described in the modified example described above.

[0049] In addition, as a modified example, the control unit 21 of the information processing device 20 may create a lease plan in the above-mentioned step S102 that requires the setting of an additional down payment to cover costs such as vehicle inspections when the lease contract in the above-mentioned embodiment is extended.

[0050] As a modified example, an embodiment is also possible in which a general-purpose computer functions as the information processing device 20 according to the above-described embodiment. Specifically, a program describing the processing contents for realizing each function of the information processing device 20 according to the above-described embodiment is stored in the memory of the general-purpose computer, and the program is read and executed by a processor. Therefore, the invention according to this embodiment can also be realized as a program executable by a processor, or a non-transitory computer-readable medium that stores the program. [Explanation of symbols]

[0051] 1 System 10 Vehicles 20 Information processing device 21 Control section 22 Communications Department 23 Memory section 30 Terminal Equipment 31 Control Unit 32 Communications Department 33 Storage section 34 Input section 35 Output section 40 Network

Claims

1. An information processing device comprising at least a control unit and a communication unit, The control unit is presenting a plurality of options indicating contents of a vehicle leasing service selectable by a user via the communication unit; acquiring information indicating an option selected by the user via the communication unit; An information processing device creates a lease plan that makes it impossible to select a payment method for the lease fee related to the lease contract, including a bonus payment, in which the payment amount in a specified month is increased by a specified amount, if the option selected by the user in the information indicates that a down payment is set in the vehicle lease contract and that the lease contract can be terminated during the lease period.

2. 2. The information processing device according to claim 1, If the option selected by the user in the information indicates that the vehicle is a used vehicle, The control unit is an information processing device that creates a lease plan in which the lease period is set shorter than when the vehicle is a new vehicle.

3. 3. The information processing device according to claim 1, If the option selected by the user in the information indicates a lease period by which the lease agreement is to be extended, The control unit creates a lease plan that requires an additional down payment.

4. 4. The information processing device according to claim 1, If the option selected by the user in the information indicates that the lease contract cannot be terminated during the lease period, and the lease contract cannot be terminated within a predetermined period from the time of the lease contract, The control unit of the information processing device creates a lease plan in which, when the specified month is included within the specified period, the payment method is selectable within the specified period, and the lease fee for the specified period when the payment method is selected is equal to the lease fee for the specified period when the payment method is not selected.

5. 5. The information processing device according to claim 4, The control unit calculates the specified period based on a residual value of the vehicle at the end of the specified period and a lease fee for the specified period.

6. 6. The information processing device according to claim 5, The control unit calculates the specified period so that the sum of the residual value of the vehicle at the end of the specified period and the lease fee for the specified period is greater than the sum of the residual value of the vehicle at the end of the lease period and the lease fee for the lease period.

7. A method executed by an information processing device having at least a control unit and a communication unit, The control unit presenting a plurality of options indicating contents of the vehicle leasing service selectable by the user via the communication unit; acquiring information indicating an option selected by the user via the communication unit; and The method includes creating a lease plan that, when an option selected by the user in the information indicates that a down payment is set in the vehicle lease contract and that the lease contract can be terminated during the lease period, makes it impossible to select a payment method for the lease fee related to the lease contract that adds a specified amount to the payment amount in a specified month, including bonus payments.

8. 8. The method of claim 7, If the option selected by the user in the information indicates that the vehicle is a used vehicle, The method further includes creating, by the control unit, a lease plan in which the lease period is set shorter than when the vehicle is a new vehicle.

9. 9. The method according to claim 7 or 8, If the option selected by the user in the information indicates a lease period by which the lease agreement is to be extended, The method further includes creating, by the control unit, a lease plan that requires an additional down payment.

10. 10. The method according to any one of claims 7 to 9, further comprising: If the option selected by the user in the information indicates that the lease contract cannot be terminated during the lease period, and the lease contract cannot be terminated within a predetermined period from the time of the lease contract, the control unit further creates a lease plan, when the specified month is included within the specified period, such that the payment method is selectable within the specified period and the lease fee for the specified period when the payment method is selected is equal to the lease fee for the specified period when the payment method is not selected.

11. 11. The method of claim 10, The method further includes calculating, by the control unit, the predetermined period based on a residual value of the vehicle at the end of the predetermined period and a lease fee for the predetermined period.

12. 12. The method of claim 11, The method further includes calculating, by the control unit, the specified period so that the sum of the residual value of the vehicle at the end of the specified period and the lease fee for the specified period is greater than the sum of the residual value of the vehicle at the end of the lease period and the lease fee for the lease period.

13. A program for causing a computer to function as at least a control means and a communication means, comprising: The computer, by functioning as the control means, presenting a plurality of options indicating contents of vehicle leasing services selectable by the user via the communication means; obtaining information indicating an option selected by the user via the communication means; and When the option selected by the user in the information indicates that a down payment is set in the vehicle lease contract and that the lease contract can be terminated during the lease period, the program creates a lease plan that makes it impossible to select a payment method for the lease fee related to the lease contract that adds a specified amount to the payment amount in a specified month, including bonus payments.

14. The program according to claim 13, If the option selected by the user in the information indicates that the vehicle is a used vehicle, The computer, by functioning as the control means, The program further causes the program to create a lease plan in which the lease period is set shorter than when the vehicle is a new vehicle.

15. 15. The program according to claim 13 or 14, If the option selected by the user in the information indicates a lease period by which the lease agreement is to be extended, The computer, by functioning as the control means, The program further includes creating lease plans that require an additional down payment.

16. 16. The program according to any one of claims 13 to 15, If the option selected by the user in the information indicates that the lease contract cannot be terminated during the lease period, and the lease contract cannot be terminated within a predetermined period from the time of the lease contract, The computer, by functioning as the control means, The program further executes, when the specified month is included within the specified period, creating a lease plan in which the payment method is selectable within the specified period and the lease fee for the specified period when the payment method is selected is equal to the lease fee for the specified period when the payment method is not selected.

17. The program according to claim 16, The computer, by functioning as the control means, The program further causes the program to calculate the specified period based on the residual value of the vehicle at the end of the specified period and the lease fee for the specified period.

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