Credit transaction intermediation system and credit transaction intermediation method

Abstract

To facilitate smooth credit transactions. [Solution] The credit transaction intermediation system of the present invention is connected to a credit and payment support business operator and mediates credit transactions between a user and a sales company, comprising: a user interface that receives user information input from the user; a review interface that transmits the user information to the credit and payment support business operator to request a review and receives the review results including the amount of funding; and a sales company interface that provides a portion of the user information and the amount of funding to the sales company and receives sales proposals, and presents the sales proposal along with the amount of funding to the user via the user interface.

Description

Technical Field

[0001] The present invention relates to a credit transaction mediation system and a credit transaction mediation method, and particularly to a mediation technology for credit transactions that can smoothly mediate credit transactions between users and sales companies.

Background Art

[0002] Patent Document 1 discloses a product sales support device that supports the product sales of product vendors through a transaction intermediary. It is a system that supports the sales of dealers who sell used cars through online auctions and the like. A user (buyer) can view the product information of reliable dealers on the website operated by the intermediary and can safely place bids and complete purchase procedures. The system notifies dealers of the bidding status and evaluation information of the buyers, and further supports procedures such as trade-ins, installment payments, and insurance applications, thereby improving the convenience of the buyers and enhancing the efficiency of the dealers' sales activities.

[0003] Patent Document 2 discloses a system that online-mediates borrowers and multiple financial institutions. It receives attribute information such as gender, age, and family composition, and desired conditions from borrowers, and presents application information including the review results by a guarantee company to financial institutions. Based on the application information and score information, financial institutions select cases that can be offered and present financing conditions, thereby enhancing the efficiency of matching between borrowers and financial institutions.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Patent Document 2

Summary of the Invention

Problems to be Solved by the Invention

[0005] The device disclosed in Patent Document 1 acts as an intermediary between buyers (users) and dealers (sales companies), and is configured to introduce a credit company and allow buyers (users) to apply for a loan if they wish to pay in installments (paragraph 0051). However, it is based on an auction, and the credit company's screening is conducted only after the matching of the buyer (user), product, and dealer (sales company) has been completed. For this reason, buyers (users) do not have an accurate understanding of their own ability to pay when they are searching for a product, and dealers (sales companies) introduce products etc. without knowing the buyer's (user's) ability to pay. Consequently, after the matching of the buyer (user), product, and dealer (sales company) has been completed, there is a risk that the sales contract cannot be concluded if it is discovered through the credit company's screening that the buyer (user) does not have sufficient ability to pay. In other words, since the matching of buyers (users), products, and dealers (sales companies) is mainly based on the responsibility and judgment of the buyer (user), a sales contract is not necessarily concluded due to reasons such as insufficient ability to pay, and it cannot be said that it can smoothly mediate credit transactions.

[0006] This invention has been made in view of the above problems and aims to facilitate credit transactions. In this invention, "credit transaction" refers to a transaction form in which a credit and payment support business operator grants credit to a buyer and provides funds to a seller, thereby allowing the seller to provide goods or services to the buyer first, and then collecting the payment from the buyer later in a lump sum or in installments. Examples include installment sales, lease agreements, credit sales, and deferred payment transactions. Here, "credit and payment support business operator" refers to a company that conducts credit checks on prospective buyers in order to complete commercial transactions, advances and provides the necessary funds, and then collects installment payments, lease payments, debt repayments, etc. Examples include installment sales companies, leasing companies, factoring companies, and credit companies.

[0007] The means for solving these problems are described below, but other problems and novel features will become apparent from the description and accompanying drawings in this specification. [Means for solving the problem]

[0008] A credit transaction intermediation system according to one aspect of the present invention is a credit transaction intermediation system that is connected to a credit and payment support business operator and mediates credit transactions between a user and a sales company, comprising: a user interface that receives user information input from the user; a review interface that transmits the user information to the credit and payment support business operator to request a review and receives the review results including the amount of funding; and a sales company interface that provides a portion of the user information and the amount of funding to the sales company and receives sales proposals, and presents the sales proposal along with the amount of funding to the user via the user interface. Here, "user" corresponds to the "prospective buyer" described above. [Effects of the Invention]

[0009] According to the present invention, credit transactions can be smoothly mediated. [Brief explanation of the drawing]

[0010] [Figure 1] Figure 1 is a block diagram showing an example configuration of a credit transaction intermediation system according to one embodiment of the present invention. [Figure 2] Figure 2 is an explanatory diagram showing an example of an implementation of a credit transaction intermediation system using a cloud server according to one embodiment of the present invention. [Figure 3] Figure 3 is a sequence diagram showing the processing procedure of one embodiment in which matching processing for the sale of used cars, etc. is performed using the credit transaction intermediation system of the present invention. [Figure 4] Figure 4 is a sequence diagram showing the processing procedure of another embodiment in which matching processing for the sale of used cars, etc. is performed using the credit transaction intermediation system of the present invention. [Figure 5] Figure 5 is a block diagram showing an example configuration combining the credit transaction intermediation system and the vehicle remote control system of the present invention. [Figure 6] Figure 6 is an explanatory diagram showing an example of the data structure configuration in the credit transaction intermediation system of the present invention. [Figure 7] Figure 7 is a flowchart illustrating a credit transaction mediation method according to one embodiment of the present invention. [Figure 8] Figure 8 is a flowchart illustrating a credit transaction mediation method according to another embodiment of the present invention. [Modes for carrying out the invention]

[0011] 1. Overview of the Embodiment First, a general overview of the representative embodiments disclosed in this application will be provided. The reference numerals in parentheses in the drawings used to refer to the representative embodiments are merely illustrative examples of components included in the concept of the elements to which they are attached.

[0012] [1] Credit transaction intermediary system for obtaining funding information (Figures 1 and 2) A typical embodiment of the present invention is a credit transaction intermediation system (10) that is connected to a credit and payment support business operator and mediates credit transactions between a user and a sales company, and comprises the following components. User interface (11): Receives user information from the user, including user attribute information and payment preferences. Review Interface (13): The user information is sent to the credit and payment support provider to request a review, and the review results, including the amount of funds to be provided, are received in return from the credit and payment support provider. User information storage unit (19): Stores the user information and the examination results linked together for each user. Sales company interface (12): This interface can provide user credit information that associates a portion of the user information stored in the user information storage unit with the amount of funds provided.

[0013] This allows for the smooth mediation of credit transactions. User credit information can be used as a prerequisite for credit transactions, making it easier to avoid situations where contracts cannot be concluded due to reasons such as insufficient ability to pay.

[0014] 〔2〕Proposals from the sales company (Figs. 3, 6, 7) In the credit transaction mediation system of 〔1〕, the review interface transmits one piece of user information to a plurality of credit and settlement support service providers and receives the respective review results, and the user information storage unit stores a plurality of review results associated with one piece of user information for each user.

[0015] The sales company interface provides user funding information in which a funding amount included in a plurality of review results corresponding to a part of the one piece of user information is associated with the sales company, and receives a sales proposal from the sales company. Here, the sales proposal is a concept including the content of goods or services that the sales company recommends to the user for purchase, its price, and the conditions related to the sales.

[0016] The user interface presents the sales proposal to the corresponding user together with the associated review results.

[0017] Thereby, the sales company can make a sales proposal to the user within the funded range, and the credit transaction contract can proceed smoothly.

[0018] 〔3〕Proposals from multiple sales companies (Figs. 3, 6, 7) In the credit transaction mediation system of 〔2〕, the sales company interface provides user funding information to a plurality of sales companies and receives a plurality of sales proposals, and the user interface presents the plurality of sales proposals to the corresponding user together with the names of the sales companies that proposed them and the review results of the credit and settlement support service providers.

[0019] Thereby, the user can select the most suitable one from a plurality of sales proposals and a plurality of payment conditions, and the credit transaction contract can proceed smoothly.

[0020] 〔4〕Matching (Prioritization) The credit transaction intermediation system in [3] further comprises a matching unit (18) that prioritizes the multiple sales proposals based on the user's attribute information, and the user interface is configured to present the multiple sales proposals to the corresponding users according to the prioritization by the matching unit.

[0021] This allows users to more efficiently choose the best option from multiple sales proposals and payment terms, and to proceed smoothly with credit transactions.

[0022] [5] Sharing funding information between users and sales companies In the credit transaction intermediation system of [1], the user interface presents the amount of funds stored in the user information storage unit to the corresponding user.

[0023] This allows for smooth mediation of credit transactions. Funding for the user can be shared between the user and the sales company, avoiding situations where negotiations proceed with discrepancies regarding the price of the goods that can be purchased or the payment terms.

[0024] [6] Purchase application (Figure 4) In the credit transaction intermediation system of [5], the user interface is configured to receive purchase applications from users, and the sales company interface is configured to output the purchase applications from users to sales companies and to receive contract completion notifications from said sales companies.

[0025] This allows users to smoothly proceed with credit transactions in a proactive position. Even if a user proactively searches for products and makes a purchase application without waiting for a proposal from the sales company, the user's financing information is shared between the user and the sales company, allowing the business negotiation to proceed smoothly.

[0026] [7] Remote control of the vehicle (Figure 5) In the credit transaction intermediation system according to any one of items (1) to (6), the product sold by the sales company is a vehicle (20), a vehicle remote control device (21) is attached to the vehicle, and the vehicle remote control device is configured to restrict the starting of the vehicle by remote control from the credit transaction intermediation system.

[0027] This allows creditors in credit transactions, such as credit and payment support providers, to confirm the means they have to counter a user's default and then fulfill the obligations stipulated in the credit transaction agreement, such as payment of the price.

[0028] [8] Remote control from credit and payment support providers (Figure 5) In the credit transaction intermediation system of [7], the remote control is configured to be performed via the screening interface. The screening interface is positioned as an interface with credit and settlement support businesses, and in addition to the application for screening and the sending and receiving of screening results, various functions related to debt collection can be added, some of which include the remote control described above.

[0029] This allows creditors in credit transactions, such as credit and payment support providers, to have countermeasures in case of default after the delivery of the vehicle, which is the product.

[0030] [9] GPS (Global Positioning System) (Figure 5) In the credit transaction intermediation system of [7], the vehicle remote control device further includes a positioning module (24) and outputs the vehicle's position information, which has been determined by the positioning module, to the credit transaction intermediation system.

[0031] This allows creditors in credit transactions, such as credit and payment support providers, to monitor whether the vehicle, which is the product, is in the appropriate location.

[0032]

[10] Credit transaction intermediation method that references funding information (Figures 7, 8) A typical embodiment of the present invention is a credit transaction mediation method for mediating credit transactions between a user and a sales company, comprising the following steps. User registration step (S10): User information, including the user's attribute information and payment preferences, is received from the user. Review Step (S20): The user information is sent to a credit and payment support provider to request a review, and the review results, including the amount of funds to be allocated, are received in return from the credit and payment support provider. Memory step (S30): The user information and the examination results are linked for each user and stored in the user information storage device. Credit information provision step (S40): User credit information, which associates a portion of the user information stored in the user information storage device with the amount of funds provided, is provided to the sales company.

[0033] This allows for the smooth mediation of credit transactions. User credit information can be used as a prerequisite for credit transactions, making it easier to avoid situations where contracts cannot be concluded due to reasons such as insufficient ability to pay.

[0034]

[11] Proposals from sales companies (Figures 3, 6, 7) The credit transaction mediation method in

[10] further includes a sales proposal receiving step (S50) and a sales proposal sending step to the user (S60).

[0035] In the aforementioned screening step, one user's information is sent to multiple credit and payment support service providers, and the screening results from each are received. The user information storage unit stores multiple screening results associated with each user's information.

[0036] The aforementioned credit information provision step provides the sales company with user funding information that associates a portion of the user information for one user with the funding amount included in a number of corresponding credit assessment results.

[0037] The sales proposal receiving step receives a sales proposal from the sales company, and the sales proposal transmission step presents the sales proposal, along with the associated review results, to the corresponding user.

[0038] This allows sales companies to make sales proposals to users within the limits of the funds they have secured, and facilitates the smooth progress of credit transaction agreements.

[0039]

[12] Proposals from multiple sales companies (Figures 3, 6, 7) In the credit transaction mediation method of

[11] , the sales proposal receiving step provides user funding information to multiple sales companies and receives multiple sales proposals, and the sales proposal transmission step presents the multiple sales proposals to the corresponding users along with the names of the sales companies that made the proposals and the results of the credit and settlement support business's review.

[0040] This allows users to choose the best option from multiple sales proposals and payment terms, facilitating a smooth credit transaction agreement.

[0041]

[13] Matching (Figures 6, 7) The credit transaction mediation method in

[12] further includes a matching step (S51). The matching step prioritizes the multiple sales proposals based on the user's attribute information, and the sales proposal transmission step presents the multiple sales proposals to the corresponding users according to the prioritization in the matching step.

[0042] This allows users to more efficiently choose the best option from multiple sales proposals and payment terms, and to proceed smoothly with credit transactions.

[0043]

[14] Funding information is shared between the user and the sales company (Figure 8) The credit transaction mediation method of

[10] further includes a step of sending the screening results to the user (S41). The screening result sending step presents the amount of funds stored in the user information storage unit to the corresponding user.

[0044] This allows for smooth mediation of credit transactions. Funding information for users can be shared between the user and the sales company, preventing situations where negotiations proceed with discrepancies regarding the price of the goods that can be purchased or the payment terms.

[0045]

[15] Purchase application (Figure 8) The credit transaction intermediation method in

[14] further includes a purchase application acceptance step (S70) for accepting a purchase application from a user, a purchase application transfer step (S80) for transferring the purchase application from the user to a sales company, and a contract completion notification reception step (S90) for receiving a contract completion notification from the sales company.

[0046] As a result, funding information for users is shared between the user and the sales company, ensuring that purchase applications are successfully completed and facilitating smooth credit transactions.

[0047]

[16] Remote control of vehicles In the credit transaction mediation method of any one of paragraphs

[10] to

[15] , the product sold by the sales company is a vehicle (20 in Figure 5), the vehicle is fitted with a vehicle remote control device (21 in Figure 5), and the method further includes a remote control step (not shown) of restricting the starting of the vehicle using the vehicle remote control device. Here, "sales company" and "sale" may be replaced with "leasing company" and "lease or lease sale," respectively, that is, "the product leased or leased by the leasing company is a vehicle (20 in Figure 5)."

[0048] This allows creditors in credit transactions, such as credit and payment support providers, to confirm that they have means to counter the user's default and then fulfill the obligations stipulated in the credit transaction agreement, such as providing payment to the sales company.

[0049]

[17] Remote control from credit and payment support providers In the credit transaction intermediation method of

[16] , the remote control step is performed by the credit and settlement support business operator.

[0050] This allows creditors in credit transactions, such as credit and payment support providers, to have countermeasures in case of default after the delivery of the vehicle, which is the product.

[0051]

[18] GPS In the credit transaction intermediation method of

[16] or

[17] , the vehicle remote control device includes a positioning module (24 in Figure 5), and the remote control step is performed based on the vehicle's position information determined by the positioning module.

[0052] This allows creditors in credit transactions, such as credit and payment support providers, to monitor whether the vehicle, which is the product, is in the appropriate location.

[0053] 2. Details of the Embodiment Embodiments of the basic configuration of the present invention will be described in further detail. [Definition of terms and conceptual explanation] "User" refers to any entity that may receive goods or services through the system of the present invention. It is a broad concept that includes not only individuals, but also corporations, organizations, businesses, machinery and equipment, AI agents, and any other entity that generates or inputs data. Users are not necessarily limited to prospective buyers; they also include those who only verify funding conditions, those who only use information services, and so on.

[0054] A "sales company" is an entity that may sell goods or provide services to users, and includes providers of goods and services, intermediaries, platform operators, real estate or vehicle dealers, used car dealerships, online marketplaces, etc. More broadly, a "sales company" may also include leasing companies where the delivery of goods is replaced by leasing or lease sales. Furthermore, even if an entity does not actually possess the goods, any entity that provides selection information, proposal information, sales conditions, etc., is broadly included in the definition of a sales company.

[0055] A "credit and payment support provider" is an entity that purchases receivables from sales companies, such as receivables based on credit transaction agreements, arising from sales transactions between users and sales companies, and then receives payment from the user for fulfilling those obligations. As a prerequisite, it conducts credit assessments or similar evaluations based on information about the user, and presents the amount of funding, eligibility, repayment terms, score, etc. Credit transactions include installment sales, leases, accounts receivable, and deferred payment transactions, while "credit and payment support providers" include, for example, factoring companies, leasing companies, credit card companies, and other credit companies. Furthermore, this entity is not limited to financial institutions, but is a broad concept that also includes insurance companies, credit scoring companies, leasing companies, online screening systems, AI scoring engines, and cloud-based credit evaluation services.

[0056] "Funding amount" refers to the amount equivalent to the loan limit determined by the credit and payment support provider based on the user's creditworthiness. "Funding information" includes this "funding amount" and may include, for example, repayment terms. "Funded scope" refers to the scope within the "funding amount" and, if applicable, the scope that satisfies those terms.

[0057] Furthermore, the term "product" as used in this specification is not limited to tangible objects such as automobiles, but also includes services, digital content, usage rights, subscription agreements, facility usage limits, or any rights that have economic value. In addition, terms such as "screening," "funding," "proposal," and "matching" are not necessarily limited to financial transactions or the buying and selling of goods, but are broadly interpreted as a series of processes involving the determination of suitability and the presentation of conditions when a user acquires value.

[0058] [Embodiment 1] Figure 1 is a block diagram showing an example configuration of the credit transaction intermediation system 10 according to this embodiment. The credit transaction intermediation system 10 is configured to include an information processing unit 15 equipped with a storage unit 16 for storing information, a user interface 11 connected to one or more user terminals 1, a sales company interface 12 connected to one or more sales company terminals 2, and a screening interface 13 connected to one or more credit and settlement support business operator terminals 3. The credit transaction intermediation system 10 is a system that can, for example, mediate installment sales, and the credit and settlement support business operator is, for example, a factoring company.

[0059] Figure 2 is an explanatory diagram showing an implementation example of the credit transaction intermediation system 10 according to this embodiment using a cloud server 50. The cloud server 50 is, for example, a single computer equipped with a network interface connected to the Internet 40, a processor, and a storage device. It is connected to the user terminal 1, the sales company terminal 2, and the credit / payment support provider terminal via the Internet 40. The user interface 11, the sales company interface 12, and the screening interface 13 are realized through data communication performed by the processor via the network interface, and the processor and storage device (memory device) function as an information processing unit 15 equipped with a storage unit 16. The cloud server 50 does not necessarily have to be realized by a single computer, but may be realized by distributed computing using multiple computers and storage devices distributed on the cloud. The user terminal 1 and the sales company terminal 2 do not need to be special dedicated equipment, and can access the cloud server 50 from a web browser or dedicated application using a general smartphone, tablet terminal, personal computer, etc. This allows for flexible response even if the number of users, sales companies, or credit / payment support providers increases by scaling (increasing) the resources on the cloud server 50 side.

[0060] The user interface 11 receives user information from the user, including attribute information and payment preferences. The screening interface 13 sends the user information to a credit and payment support provider to request a screening and receives the screening results, including the amount of funds to be disbursed. The amount of funds to be disbursed is the result of a credit assessment based on the user's attribute information, etc., and represents the maximum amount of debt that the user can incur. The information processing unit 15 of the credit transaction intermediary system 10 stores user information and the screening results for each user in the user information storage unit 19 of the storage unit 16, linking them together. The sales company interface 12 can provide user credit information, which associates a portion of the user information stored in the user information storage unit 19 with the amount of funds to the sales company, by sending it to the sales company terminal 2.

[0061] This allows for the smooth mediation of credit transactions. Since user credit information can be used as a prerequisite for credit transactions, it becomes easier to avoid situations where contracts cannot be concluded due to reasons such as insufficient payment ability. The user credit information provided to the sales company does not need to include all user information; in fact, it may be structured to include only the minimum necessary information.

[0062] Figure 6 is an explanatory diagram showing an example of the data structure configuration in the credit transaction intermediation system of the present invention. The "User Information" table shown in the upper part of Figure 6 includes an ID field that uniquely identifies the user, a name field, an attribute field, and a payment preference field. The attribute field stores information useful for estimating the user's ability to pay and living situation, such as gender, family structure, and employment status. Annual income and asset status may also be included. The payment preference field may store the desired number of installments, such as "equal installments over 4 years" or "equal installments over 3 years," and whether or not bonuses will be used. On the other hand, it may also be left blank. The types of information to be included in the user information may be specified based on the information that the credit and payment support business operator should refer to in order to calculate the amount of funding.

[0063] The "Screening Results (Company P)" and "Screening Results (Company Q)" tables shown on the right side of Figure 6 are examples of screening result tables prepared for each of the multiple credit and payment support service providers. The screening result tables include the amount of funds allocated and the application conditions (number of installments, interest rate, etc.) for each user, or screening results such as disapproval of funding. A remarks column may also be included. When the information processing unit 15 receives the screening results from the credit and payment support service provider terminal 3 via the screening interface 13, it stores them in these tables, linked to the corresponding user ID.

[0064] The "User Credit Information" table shown in the lower part of Figure 6 is a view that integrates user information and multiple credit assessment results, and includes user ID, attributes, funding amount, conditions, and the name of the credit / payment support provider that conducted the assessment.

[0065] The sales company interface 12 can refer to this user credit information table and provide the sales company terminal 2 with the necessary user credit information. Here, the user credit information does not need to include all of the user's information. For example, by keeping the name confidential, direct transactions between the user and the sales company that do not go through this credit transaction intermediary system 10 can be prevented. Also, among the user's attribute information, annual income, etc., is already reflected in the screening results and is therefore protected as privacy. On the other hand, items such as age, gender, and family structure, which are suitable for estimating the lifestyle in which the purchased car will be used, such as when the product being sold is a car, may be configured to be actively disclosed to the sales company.

[0066] The "User Credit Information" includes the results of credit and payment support provider assessments, associated with (part of) this user information. For example, in the example shown in Figure 6, user Y1 receives assessment results of "800,000 yen, 3-year equal installments" from company P and "900,000 yen, 4-year equal installments" from company Q. In this case, two records are registered in the user credit information table: "Y1, 800,000 yen, 3-year equal installments, company P" and "Y1, 900,000 yen, 4-year equal installments, company Q". By referring to this user credit information, the sales company can make sales proposals that take into account the user's desired conditions and the actual financing conditions. Of the assessment results, the financing amount is essential information for the sales company when selecting products to propose, and therefore needs to be provided via the sales company interface 12, but the conditions can be configured not to be provided to the sales company.

[0067] [In combination with a vehicle remote control system] The credit transaction intermediation system 10 of the present invention may be combined with a vehicle remote control system that remotely controls automobiles and other vehicles, by incorporating information processing functions such as those disclosed in International Publication WO2016 / 167350.

[0068] Figure 5 is a block diagram illustrating an example configuration combining the credit transaction intermediation system 10 and the vehicle remote control system of the present invention. The credit transaction intermediation system 10 has a vehicle monitoring control unit 17 in its information processing unit 15 and a vehicle interface 14 in order to remotely monitor and control the vehicle 20. The vehicle 20 is fitted with a vehicle remote control device 21 that remotely controls the vehicle starting unit 22 from the credit transaction intermediation system 10. The vehicle starting unit 22 is a component that has the function of starting the vehicle into an operational state, and is the engine ignition key in the case of an internal combustion engine vehicle, or the start switch in the case of an electric vehicle. The vehicle remote control device 21 includes, for example, a communication unit 25 that can communicate with the credit transaction intermediation system 10 and a starting control unit 23 connected to the vehicle starting unit 22, and is a device that can remotely control the vehicle to prevent it from becoming operational through driver operation (ignition key operation or turning on the power switch) via remote control from the credit transaction intermediation system 10.

[0069] This allows creditors in credit transactions, such as credit and payment support providers, to have countermeasures that restrict them from starting the vehicle if a default occurs after the delivery of the vehicle 20, which is the product.

[0070] The vehicle remote control device 21 may be further equipped with a positioning module 24 such as a GPS, and configured to output the vehicle's location information, determined by the positioning module 24, to the credit transaction intermediary system 10. The location information may include, for example, latitude and longitude, and may also include road names, lanes, facility names such as parking lots, and their addresses, obtained by mapping the latitude and longitude onto a map. This allows creditors in credit transactions, such as credit and settlement support providers, to monitor whether the vehicle 20, which is the product, is in an appropriate location. For example, if the vehicle 20 is in the user's own home or parking space at their business premises, a starting restriction may be imposed. However, if it is in another location, such as a highway service area, a public parking lot, or the user's business partner's premises, imposing a starting restriction on the vehicle 20 may be inappropriate from a safety, legal, business practice, or ethical standpoint, and the starting restriction may be refrained from.

[0071] In this way, by equipping the vehicle remote control device 21 with a positioning module 24 such as GPS, and configuring it so that the location of the vehicle 20 can be monitored from the credit transaction intermediation system 10, more reliable debt management can be provided.

[0072] [Embodiment 2] This second embodiment is a matching system between a user and a sales company, configured using the credit transaction intermediation system 10 of the present invention. Examples of products include used cars, and the credit transaction intermediation system 10 can be an installment sales intermediation system where the credit and payment support provider is a factoring company.

[0073] Figure 3 is a sequence diagram showing the processing procedure for matching installment sales of used cars, etc., using the credit transaction intermediary system 10. In Figure 3, the block labeled "Server" is the credit transaction intermediary system 10 of the present invention, and the processing flow is shown in chronological order from top to bottom. For reference, the dashed lines indicate actions that are performed without using the server, which is the credit transaction intermediary system 10.

[0074] A user wishing to purchase a used car registers their user information with the credit transaction intermediary system 10 from user terminal 1. User information includes user ID, name, and attributes. Attributes may include age, gender, address, workplace, family structure, as well as annual income, assets, outstanding debt, etc. Other preferences regarding payment terms may also be included. The entered user information is stored and registered in the user information storage unit 19 of the storage unit 16 located in the information processing unit 15 of the credit transaction intermediary system 10, as illustrated in Figure 6, for example.

[0075] Next, the credit transaction intermediation system 10 sends at least a portion of the registered user information to the credit and payment support provider terminal 3, which is connected to a credit and payment support provider, such as a factoring company, via the screening interface 13 to request screening. The credit and payment support provider then returns the screening results, including the amount of funds to be provided, to the credit transaction intermediation system 10. These screening results are stored in the user information storage unit 19 of the storage unit 16 of the credit transaction intermediation system 10, with the user information and the screening results for that user linked together, as illustrated in Figure 6, for example.

[0076] Next, the amount of funds allocated and some of the user information included in this review result are sent to the sales company terminal 2. Preferably, information of the user that is only necessary for the credit and payment support provider's review should not be sent to the sales company terminal 2, while information useful for the sales company's product proposals, such as family structure, should be allowed to be sent to the sales company terminal 2. Furthermore, it is preferable that the user interface 11 be configured to obtain the user's consent to disclose this information when the user registers their information.

[0077] Next, the sales company makes a sales proposal. If the product is a used car, as illustrated in Figure 6, there is user credit information that links the user ID, the user's attributes, the amount of funds provided, the repayment terms, and the name of the credit and payment support provider that provided the credit. Based on this, the sales company can present vehicle types and prices as sales proposals. At this time, since the sales company already knows the amount of funds provided, it can narrow down the products (used cars) that can be proposed accordingly. Furthermore, it is possible to further narrow down the selection by considering the lifestyle pattern of how the used car will be used, based on the user information. Since the user attribute information includes many items that can be used in common for the credit and payment support provider's credit assessment and the sales company's sales proposal, the credit transaction intermediation system 10 can contribute to streamlining credit assessment and sales proposals by selecting and transmitting the appropriate items for each.

[0078] The credit transaction intermediation system 10 provides users with sales proposals received from sales companies and funding amounts received from credit and payment support providers by transmitting them to the user terminal 1. Since users can see the paired sales proposals and funding amounts, they can select products within their budget. Compared to a scenario where users receive sales proposals without prior funding consideration and then apply for a credit and payment support provider review, this system eliminates the possibility of receiving a negative review result from the credit and payment support provider, allowing for more efficient consideration of sales proposals.

[0079] When a purchase application is submitted from user terminal 1, the credit transaction intermediary system 10 sends the purchase application to the sales company. Upon receiving confirmation of the transaction from the sales company, it sends a notification that the transaction has been completed to the credit and payment support provider that provided the funds.

[0080] Subsequently, a credit transaction agreement, such as an installment sale agreement, is concluded between the user and the sales company, and the goods are delivered. For example, a factoring company, which is a credit and payment support business operator, pays the sales company an amount equivalent to the price of the goods, and the sales company transfers the receivable to the factoring company. After that, the user makes repayments to the factoring company. These procedures may be configured to be carried out through the credit transaction intermediary system 10.

[0081] As described above, the credit transaction intermediation system 10 of the present invention functions as an installment sales intermediation system, and since this installment sales are conducted on the premise that the user has been funded by a factoring company, it is possible to smoothly intervene in credit transactions (installment sales transactions) by avoiding situations in which the contract cannot be concluded due to reasons such as the user's inability to pay.

[0082] Here, the installment sales contract may be replaced with a lease contract. In Figure 3, the installment sales contract concluded between user terminal 1 (or user) and sales company terminal 2 (or sales company) replaces the lease contract (or lease sales contract) concluded between user terminal 1 (or user) and credit / payment support provider terminal 3 (or leasing company). As a result, the assignment of receivables from the sales company to the leasing company is eliminated, and installment payments after product delivery are replaced with lease payments. Thus, the credit transaction intermediation system 10 of the present invention can be used for installment sales, leases, and various other commercial transactions involving credit.

[0083] Furthermore, it may be improved to accommodate situations where various forms of margin trading are mixed.

[0084] [Embodiment 3] Figure 4 is a sequence diagram showing the processing procedure of another embodiment in which matching processing for the sale of used cars, etc. is performed using the credit transaction intermediation system 10 of the present invention. Similar to Figure 3, in Figure 4 as well, the block labeled "server" is the credit transaction intermediation system 10 of the present invention, and the processing flow is shown in chronological order from top to bottom. For reference, the dashed lines indicate actions that are performed without using the server, which is the credit transaction intermediation system 10. Figure 4 takes an installment sales intermediation system as an example of the credit transaction intermediation system 10, and uses a factoring company as the credit and settlement support business operator.

[0085] This example involves face-to-face sales where the user visits the sales company, or commercial transactions of goods and services conducted over the internet 40, and is assumed to be carried out without using the credit transaction intermediation system 10 of the present invention. Once the user has decided on the product (used car) they wish to purchase and its price, they request a credit check from a factoring company. If the user and the sales company receive the results of this credit check directly, the transaction can proceed as a normal transaction.

[0086] On the other hand, in this invention, at this point, the user registers user information from the user terminal 1 to the server, which is the credit transaction intermediation system 10, and the sales company registers sales information from the sales company terminal 2. Subsequently, the factoring company transmits the screening results, including the amount of funds to be provided, from the credit and payment support provider terminal 3 to the credit transaction intermediation system 10. These screening results are stored in the user information storage unit 19 of the storage unit 16 of the credit transaction intermediation system 10, linked together for each user, for example as illustrated in Figure 6, with the sales information (sales proposal) sent from the sales company terminal 2, the user information sent from the user terminal 1, and the screening results for that user. In addition, at least the amount of funds to be provided from the screening results transmitted from the credit and payment support provider terminal 3 is transmitted to the user terminal 1 and the sales company terminal 2.

[0087] At this point, the credit transaction intermediation system 10 will have all the information regarding the product to be purchased, the purchase request, the sales proposal, and the financing information. Finally, when the user submits a purchase application from user terminal 1, that information is sent to sales company terminal 2, and sales company terminal 2 sends a completion notification to the credit transaction intermediation system 10.

[0088] The company operating the credit transaction intermediation system 10 (factoring company), upon learning that a deal has been concluded, can provide funds to the sales company to support the purchase (procurement) of the vehicle, which is the product. After purchasing the vehicle, the company may have it delivered to the sales company. At this time, the vehicle remote control device 21, which was described with reference to Figure 5 in Embodiment 1, may be attached to the vehicle.

[0089] Once the vehicle is ready for delivery, it will be delivered after the installment sales contract is concluded between the user and the sales company. The vehicle may be delivered by the sales company, or it may be delivered directly to the user by the company operating the credit transaction intermediary system 10. Meanwhile, the receivable from this installment sales contract is transferred to a factoring company, and the sales company receives the payment, which is used to repay its purchase funds.

[0090] From this point onward, the factoring company will collect the debt through installment payments from the user. If the vehicle is equipped with the aforementioned vehicle remote control device 21, the factoring company can be configured to obtain the vehicle's location information by accessing the credit transaction intermediary system 10 from the credit and payment support provider terminal 3. In this case, the factoring company can enforce restrictions on the vehicle's operation if debt collection is delayed, thus enabling smooth debt collection.

[0091] As described above, the credit transaction mediation system 10 of the present invention can smoothly mediate credit transactions even by intervening after the sale has been largely finalized. Furthermore, when combined with the vehicle remote control device 21, it can assist in the smooth collection of debts.

[0092] Furthermore, the communication and control system with the vehicle remote control device 21 may be implemented integrated on the same server as the credit transaction intermediation system 10, or it may be implemented independently on a separate server.

[0093] Furthermore, many of the transactions (commercial activities) shown by dashed lines in Figure 4 may be implemented to be supported by the credit transaction intermediation system 10.

[0094] This third embodiment takes an installment sales intermediation system as an example of a credit transaction intermediation system 10, and uses a factoring company as the credit and settlement support provider. However, it may be changed to other credit transactions, such as changing the credit and settlement support provider to a leasing company so that lease agreements can be intermediariated. Furthermore, it may be improved to accommodate cases where various forms of credit transactions are mixed.

[0095] [Embodiment 4] As described above, the credit transaction intermediation system 10 of the present invention may be implemented on a single server, or it may be implemented on a cloud server composed of multiple computers distributed on a network, and the implementation form is arbitrary, so the present invention can also be positioned as an invention of a credit transaction intermediation method.

[0096] Figure 7 is a flowchart illustrating a credit transaction mediation method according to one embodiment of the present invention. It corresponds to Embodiment 2 described with reference to Figure 3.

[0097] User registration step (S10): The user registers their user information.

[0098] Review Step (S20): Based on the registered user information, the credit and payment support provider conducts a review, and the review results, including the amount of funds to be allocated, are obtained.

[0099] Memory step (S30): The obtained evaluation results are linked to user information and stored for each user.

[0100] Credit Information Provision Step (S40): User credit information, consisting of some (or all) of the user information and some (or all) of the screening results, is provided to the sales company.

[0101] Step 1 (S50) of receiving a sales proposal from a sales company: Based on the user credit information provided, the sales company proposes products such as used cars and other services. Since the sales company has been provided with the user credit information, it can make sales proposals to the user within the limits of the funds provided, thereby increasing the likelihood of closing a deal.

[0102] Matching Step (S51): If there are multiple sales proposals from multiple sales companies and multiple credit assessment results from multiple credit and payment support providers, a matching process may be performed. This can be configured to allow the user to choose the most favorable terms.

[0103] Step to send sales proposal to user (S60): The sales proposal from S50, or if there are multiple, the matching information from S51, is presented to the user.

[0104] Purchase application acceptance step (S70): Accept purchase applications from users.

[0105] Purchase application transfer step (S80): The purchase application from the user is transferred to the sales company.

[0106] Transaction completion notification step (S90): The sales company and the user are notified that a credit transaction agreement has been concluded, and this notification is sent to the credit and payment support provider.

[0107] This allows for the smooth mediation of credit transactions. User credit information can be used as a prerequisite for credit transactions, thus avoiding situations where contracts cannot be finalized due to reasons such as insufficient payment ability.

[0108] By placing the step of receiving sales proposals from sales companies (S50) after the step of providing credit information (S40), sales proposals can be made within the scope of funds allocated to the user, thus narrowing down the proposals to those with a high probability of closing, which is advantageous for both the sales company and the user. On the other hand, as described in Embodiment 3 with reference to Figure 4, business negotiations between the user and the sales company may be conducted in face-to-face sales or other ways that do not presuppose the user's allocation of funds. In such cases, the credit transaction mediation method of the present invention can be described without including the step of receiving sales proposals from sales companies (S50).

[0109] Figure 8 is a flowchart illustrating a credit transaction mediation method according to another embodiment of the present invention. Similar to Figure 7, it includes a user reception step (S10), an examination step (S20), a storage step (S30), and a credit information provision step (S40) in which user credit information, consisting of some (or all) of the user information and some (or all) of the examination results, is provided to the sales company. Unlike Figure 7, however, it includes a step (S41) in which the examination results are sent to the user. The sales proposal reception step (S50) from the sales company is performed, for example, before the user reception step (S10). Upon receiving the examination results (S41), the user examines the sales proposal from the sales company based on the examination results and proceeds to the steps from purchase application onward (S70-S90). Since the same examination results are also provided to the sales company (S40), there is no significant discrepancy in understanding between the user and the sales company regarding the amount of goods that can be purchased or the payment terms, and the credit transaction can be smoothly mediated.

[0110] This embodiment of the credit transaction mediation method can also be applied to Embodiment 3, which was described with reference to Figure 4.

[0111] Although the present invention has been specifically described above based on embodiments, it goes without saying that the present invention is not limited thereto and can be modified in various ways without departing from its essence. [Explanation of Symbols]

[0112] 1 user terminal 2. Sales company terminals 3. Credit and payment support provider terminals 10. Credit Transaction Intermediation System 11 User Interface 12. Sales Company Interface 13 Review Interface 14. Vehicle Interface 15 Information Processing Department 16 Memory section 17. Vehicle Monitoring and Control Unit 18 Matching Department 19 User Information Storage Unit 20 vehicles 21 Vehicle Remote Control System 22 Vehicle starting unit 23 Startup Control Unit 24 Positioning Module (GPS) 25 Communications Department 40 Internet 50 Cloud Servers

Claims

1. A credit transaction intermediation system that connects with credit and payment support service providers and mediates credit transactions between users and sales companies, A user interface that receives user information from the aforementioned user, including user attribute information and payment preference conditions, A screening interface that transmits the user information to the credit and payment support provider to request a review, and receives the review results, including the amount of funds to be provided, from the credit and payment support provider. A user information storage unit that stores the user information and the examination results linked together for each user, The system includes a sales company interface that can provide user credit information by associating a portion of the user information stored in the user information storage unit with the amount of funds provided, The aforementioned screening interface transmits one user's information to multiple credit and payment support service providers and receives the screening results from each of them. The user information storage unit stores multiple review results associated with each user's information, The aforementioned sales company interface provides the sales company with user funding information that associates a portion of the user information of one user with the funding amount included in a plurality of corresponding screening results, and receives sales proposals from the sales company. The user interface presents the sales proposal, along with the associated review results, to the corresponding user. Credit transaction intermediary system.

2. In claim 1, The aforementioned sales company interface provides user funding information to multiple sales companies and receives multiple sales proposals. The user interface presents the multiple sales proposals to the corresponding user, along with the name of the proposing sales company and the results of the credit and payment support provider's review. Credit transaction intermediary system.

3. In claim 2, The system further includes a matching unit that prioritizes the multiple sales proposals based on the user's attribute information. The user interface presents the multiple sales proposals to the corresponding users according to the prioritization by the matching unit. Credit transaction intermediary system.

4. In claim 1, The user interface presents the amount of funds stored in the user information storage unit to the corresponding user. Credit transaction intermediary system.

5. In claim 4, The aforementioned user interface accepts purchase applications from users. The aforementioned sales company interface is configured to output purchase applications from the user to the sales company and to receive confirmation of the sale from the sales company. Credit transaction intermediary system.

6. In any one of claims 1 to 5, The product sold by the aforementioned sales company is a vehicle. The aforementioned vehicle is equipped with a vehicle remote control device. The vehicle remote control device is configured to restrict the starting of the vehicle through remote control from the credit transaction intermediation system. Credit transaction intermediary system.

7. In claim 6, The remote control is configured to be performed via the inspection interface. Credit transaction intermediary system.

8. In claim 6, The aforementioned vehicle remote control device further includes a positioning module, and outputs the vehicle's position information, determined by the positioning module, to the credit transaction intermediary system. Credit transaction intermediary system.

9. A credit transaction intermediation method that mediates credit transactions between users and sales companies, A user registration step that receives user information from the aforementioned user, including the user's own attribute information and payment preferences, A review step in which the user information is sent to a credit and payment support provider to request a review, and the review results, including the amount of funds to be provided, are received in return from the credit and payment support provider. A storage step of linking the user information and the screening results for each user and storing them in a user information storage device, The step includes providing credit information to the sales company, which provides user credit information that associates a portion of the user information stored in the user information storage device with the amount of funds provided. The aforementioned credit transaction mediation method further includes a sales proposal receiving step and a sales proposal sending step, In the aforementioned review step, one user's information is sent to multiple credit and payment support service providers, and the review results from each are received. The user information storage device stores multiple review results associated with each user's information, The aforementioned credit information provision step provides the sales company with user funding information that associates a portion of the user information of one user with the funding amount included in multiple corresponding screening results, The aforementioned sales proposal receiving step involves receiving a sales proposal from the sales company. The aforementioned sales proposal transmission step presents the sales proposal, along with the associated review results, to the corresponding user. A method of intermediation in credit transactions.

10. In claim 9, The aforementioned sales proposal receiving step involves providing user funding information to multiple sales companies and receiving multiple sales proposals. The aforementioned sales proposal transmission step presents the multiple sales proposals to the corresponding users, along with the names of the proposing sales companies and the results of the credit and payment support service provider's review. A method of intermediation in credit transactions.

11. Claim 10 further includes a matching step, The matching step prioritizes the multiple sales proposals based on the user's attribute information. The sales proposal transmission step presents the multiple sales proposals to the corresponding users according to the prioritization in the matching step. A method of intermediation in credit transactions.

12. Claim 9 further includes a step of sending the examination results to the user, The aforementioned screening result transmission step presents the amount of funds stored in the user information storage device to the corresponding user. A method of intermediation in credit transactions.

13. In claim 12, A purchase application acceptance step for receiving purchase applications from users, A purchase application transfer step that forwards the purchase application from the user to the sales company, The following steps are included: receiving a contract completion notification from the sales company; A method of intermediation in credit transactions.

14. In any one of claims 9 to 13, The product sold by the aforementioned sales company is a vehicle. The aforementioned vehicle is equipped with a vehicle remote control device. The further step includes a remote control step of restricting the starting of the vehicle using the vehicle remote control device, A method of intermediation in credit transactions.

15. In claim 14, The aforementioned remote control step is performed by the credit and payment support provider. A method of intermediation in credit transactions.

16. In claim 14, The aforementioned vehicle remote control device includes a positioning module, The remote control step is performed based on the vehicle's position information determined by the positioning module. A method of intermediation in credit transactions.

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