Car lease sales support system

Abstract

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

Description

Technical Field

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[0001] The present invention relates to a vehicle lease sales support system that promotes vehicle sales through vehicle lease contracts in cooperation with the sales of products by life insurance companies and financial companies. ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​However, the general perception is that cars are assets, and that owning a car for a long time is cheaper than taking out a loan or leasing it. As a result, car leasing, which offers financial advantages, has not necessarily become widespread among ordinary households.

[0007] Furthermore, while the three major lifetime costs for an average household are said to be education expenses, housing expenses, and retirement expenses, it is not widely known that the lifetime cost of owning a car is as high as housing expenses. In recent years, car prices have risen, while the median household income has fallen. Nevertheless, statistics show that 56% of buyers choose to pay in cash upfront.

[0008] Furthermore, statistics show that the average lifespan of a vehicle across all vehicle types is 13.87 years. However, the asset value of a car, especially a passenger car, depreciates to less than 10% of its purchase price after 10 years. Moreover, vehicle maintenance costs increase with longer ownership periods, meaning that at an average lifespan of 13.87 years, the asset value is practically zero, and the purchase price is simply being amortized.

[0009] On the other hand, for ordinary households, financial companies such as life insurance companies that handle life insurance and securities companies that handle investment products are generally the main points of contact for asset building.

[0010] However, financial planners, for example, who advise clients on asset building at life insurance companies, have little awareness of the considerable financial burden associated with the lifetime cost of owning a car. Furthermore, they have little knowledge of the significant advantages of car leasing as a car usage method, and that instead of paying cash upfront or driving a car until it's worn out, the funds that would have been used for a cash purchase can be used not only for car leasing but also for asset management such as pension savings insurance offered by life insurance companies. For example, even if car purchase is discussed with a client, it is difficult for them to propose asset management that includes car use. Similar problems exist for employees of financial companies such as securities firms.

[0011] The present invention aims to provide a car lease sales support system that enables the promotion of car sales by proposing a new way of owning a car—using leasing and asset management—in the course of asset management consultations with partner companies, including life insurance companies and financial companies, and car sales companies that conduct lease sales. [Means for solving the problem]

[0012] (Vehicle lease sales support system) The present invention relates to a car lease sales support system that links a car sales support server and car sales support terminal owned by a car sales company that builds and operates a predetermined car lease sales business for selling cars to customers under a car lease contract, with a partner server and partner terminal owned by a partner company, including a life insurance company and a financial company that is in partnership with the car sales company. The car sales support server is When a request to access car lease information is received from a partner terminal authorized to access the account through registration, presentation information explaining a new way of owning a car through leasing and asset management, and estimation information (simulation information) for a trial determination of a car desired by the customer in accordance with this new way of owning a car, are sent to the partner terminal and displayed. When customer information requesting a car lease is received from a partner terminal that has sent presentation information and cost estimates, the customer information is registered in the customer list. The vehicle sales support terminal is characterized by receiving customer information registered on the vehicle sales support server and executing vehicle leasing operations, including vehicle lease agreements.

[0013] (Overview of screen transitions in presentation information) The car sales support server provides presentation information as follows: Home screen, Car asset value screen, Car ownership cost screen, Holding cost comparison screen, Monthly ownership cost comparison screen, Cash flow comparison screen, Comparison screen for advantages other than cost, Car lease and asset management screen, and Presentation end screen, display the screen information including these through screen transition operations, The home screen indicates screen transitions to presentation information and estimate information, The vehicle asset value screen indicates that even if you own a car, it does not become an asset, The vehicle holding cost screen indicates that the vehicle holding cost is high, The holding cost comparison screen shows a comparison of the 10-year costs due to differences in vehicle holding forms of loan purchase, cash purchase, or car lease, The monthly holding cost comparison screen shows a comparison of the monthly costs due to differences in vehicle holding forms of loan purchase, cash purchase, or car lease, The cash flow comparison screen shows a comparison of the cash flows due to differences in vehicle holding forms of loan purchase and car lease, The comparison screen of advantages other than cost shows a comparison of the advantages other than cost due to differences in vehicle holding forms of loan purchase and car lease, The car lease and asset management screen shows the asset formation over 10 years due to differences in vehicle holding forms of loan purchase, cash purchase, or car lease. Furthermore, The presentation end screen indicates that it has guided a new way of owning a car that does not result in losses through car lease.

[0014] (Home screen) The car sales support server uses, as the home screen, a title message of "We will guide you on a new way of owning a car that does not result in losses" and, P a menu selection button for presentation information, and trial a menu selection button for estimate information, and displays them.

[0015] (Vehicle asset value screen) The car sales support server uses, as the vehicle asset value screen, "Cars are expensive purchases!", "Q (Question): Do you think a car becomes an asset for a household?" "[1] Yes [2] No [3] Don't know" "A (Answer): No" "When considering changing cars, the asset value is almost zero." In addition to the message above, a graph showing the decline curve of the car asset value, and a message explaining the graph: "By the end of usage, the asset value is almost zero. The cost of purchase is simply being amortized." are displayed.

[0016] (Car ownership cost screen) The car sales support server, as a car ownership cost screen, "Taxes & Maintenance!" "Q (Question): How much is the cost of a car over 10 years?" "[1] Less than 500,000 yen [2] Less than 1,000,000 yen [3] 1,000,000 yen or more [4] Don't know" "A (Answer): 1,000,000 yen or more" "Taxes, vehicle inspection, inspection, hidden costs" "Costs related to car ownership" "Weight tax (at vehicle inspection), repair cost for breakdowns (after manufacturer's warranty expires), vehicle inspection maintenance cost (first 3 years, every 2 years after the second time), battery replacement (approx. at 3 years), tire replacement (approx. at 40,000 km), automobile tax (every year), statutory 12 - month inspection (every year), scheduled inspection (every 6 months), oil change (every 5,000 km), oil element replacement (every year), wiper replacement (as appropriate)" and the message a graph of the annual cost of the total cost over 10 years of ownership, G As a rough explanation, "Unexpected expenses can be quite stressful. These are costs that are inevitable as long as you own a car..." and, as the cost over 10 years by vehicle type, "For a light vehicle, it's about 1,000,000 yen; for a 1500 cc vehicle, it's about 1,500,000 yen; for a 2000 cc vehicle, it's about 1,700,000 yen", and the message are displayed. Note that the above amounts are assumed as an example.

[0017] (Car cost comparison screen) The car sales support server displays a car cost comparison screen, "The difference is this big!?" "Q (Question): What is the most cost-effective way to buy a car?" "[1] Purchase with loan [2] Purchase with cash [3] Car lease [4] I don't know" "A (Answer) Car lease" "Just changing the way you buy a car can make a huge difference." "Loan purchase aaa million yen, cash purchase bbb million yen, new way to own a car (3-year trade-in lease) ccc million yen (however, aaa > bbb > ccc)", and "This is how much of a difference it makes if you own a car for 10 years. Car leasing, where you switch cars every 3 years, is the new way to own a car!" A car lease sales support system characterized by displaying the following message.

[0018] (Monthly car cost comparison screen) The car sales support server displays a monthly car cost comparison screen, "Of course, the cost is important when buying a car." "However, if you don't carefully consider the costs after purchase, you'll end up paying for nothing..." "I will explain in detail why there is such a difference." "How much difference does it make depending on how you use it? A concrete look at the difference in monthly costs." As for the 10-year maintenance costs for a vehicle priced at xxx million yen, "3-year loan aa,aaa yen, purchase (loan payment) bb,bbb yen, all cash payment cc,ccc yen, new way of driving (3-year car lease with trade-in) dd,ddd yen (however, aa,aaa > bb,bbb > cc,ccc > dd,ddd)" The message will be displayed.

[0019] (Cash flow comparison screen) The car sales support server displays a screen showing cash flow comparison information based on car purchase methods. "It makes such a difference depending on how you ride!" "A concrete look at the differences in cash flow," "[A] In the case of purchase (loan): (1) A lump sum of money is required for various expenses at the time of purchase. (2) Various taxes must be paid. (3) Costs such as vehicle inspections and various maintenance must be incurred as needed." "[B] In the case of car leasing: (1) Payments are fixed from start to finish. (2) There are no unexpected expenses such as annual automobile tax or vehicle inspections. (3) Necessary maintenance during the contract period is included, so you can rest assured." The message will be displayed.

[0020] (Comparison screen for advantages other than cost) The car sales support server displays a comparison screen of advantages other than cost, "It makes such a difference depending on how you ride!" "A concrete look at the differences in safety," "With this new way of driving (3-year trade-in lease), you can gain a lot more than just cost savings!" "[A] In the case of purchase (loan): Safety performance decreases (relatively declining as the safety performance of new vehicles improves), Fuel efficiency and environmental performance decreases (relatively declining as the fuel efficiency of new vehicles improves)." "[B] New driving option (3-year replacement lease): You'll regularly (every 3 years) switch to a new car, so you get the latest advanced safety features and fuel efficiency. The tires are also replaced with new ones every 3 years, providing even greater peace of mind and safety." The message will be displayed.

[0021] (Car leasing and asset management screen) The car sales support server serves as a screen for car leasing and asset management. "Graduate from driving cars until they're worn out and embrace a future of overwhelming success through leasing and asset management!" In addition to the message, "Things can change so much in 10 years: Loan purchase (driving the same car for 10 years) aaa million yen, Cash purchase (driving the same car for 10 years) bbb million yen, New way of driving (3-year trade-in lease) ccc million yen (however, aaa > bbb > ccc)", The graph displays the following information: "If you are considering a loan, you can build assets by choosing leasing instead," and "By accumulating and investing the difference between the monthly loan payment and the monthly lease payment in yen, you can build assets of xxx million yen in 5 years (with an investment return of p%)." The program displays an image containing the following message: "If you purchase with cash, your future will change depending on how you use the funds you have on hand. If you buy a car with your cash on hand of bbb million yen, its asset value will be almost zero in 10 years. If you invest it for 10 years, you will build assets of yyy million yen. Will you still use your cash on hand to buy a car?"

[0022] (Presentation end screen) The car sales support server displays the following as the presentation end screen: "We have introduced a new way to own a car that won't result in losses." The message is displayed, along with menu selection buttons for presentation information and calculation information.

[0023] (Overview of screen transitions for calculation information) The car sales support server provides estimated information (simulation information) as follows: Trial calculation start screen, Car type selection screen, Screen for selecting the monthly payment amount, Car selection screen, Customer information input screen, and Calculation completion screen, The screen information including this information is displayed through a screen transition operation. The calculation start screen indicates the beginning of a proposal for a new way of owning a car. The car type selection screen allows you to select the type of car. The screen for selecting the monthly payment amount allows the customer to select the monthly amount they can afford to pay. The car selection screen allows the customer to select their desired car model. The customer information input screen allows customers to enter the personal information necessary to purchase the desired vehicle, and furthermore, The calculation completion screen indicates that the service will support the customer in purchasing the desired vehicle.

[0024] (estimate calculation start screen) The car sales support server displays the following as the calculation start screen: "A proposal for a new way of owning a car," "Just answer two questions," "We will propose the best way for you to own a car." The message will be displayed.

[0025] (Vehicle type selection screen) The car sales support server displays the car type selection screen as follows: The system displays the message "Please select your car type" and includes selection buttons for kei cars, compact cars, minivans, SUVs, and other vehicles.

[0026] (Screen for selecting monthly payment amount) The car sales support server displays a screen for selecting the monthly payment amount, The message "Please select the amount you can afford to pay monthly" is displayed, along with buttons to select amounts: up to 5,000 yen, up to 10,000 yen, up to 15,000 yen, up to 20,000 yen, 20,000 yen or more, and Unknown.

[0027] (Car selection screen) The car sales support server, as a car selection screen, In addition to displaying the message "Recommended car models for you", The "Vehicle Selection Information," including vehicle photos, names, new car prices, evaluation information (cost, safety performance, fuel efficiency / environment), and selection buttons, will be updated and made selectable. When any of the vehicle selection buttons is pressed, the monthly payment amount will be displayed. Furthermore, following the message "This is a way of owning a car by leasing a new car for three years at a time," messages regarding "Reasons for choosing this option" and "Benefits of leasing" are displayed.

[0028] (Customer information input screen 1) The car sales support server serves as the customer information input screen, In addition to displaying the message "Please enter your customer information," the system will include input fields for entering the customer's name, address, and other required personal information, as well as a submit button.

[0029] (Customer information input screen 2) The car sales support server serves as the customer information input screen, The message "Please take a picture of your driver's license with your mobile device's camera and send it" is displayed, along with the recipient information. Based on the photograph of the received driver's license, the system registers the customer's personal information, including their name and address.

[0030] (Calculation completion screen) The car sales support server displays the calculation completion screen as follows: The system displays messages such as "Your customer information has been sent" and "We will help you purchase the perfect car for you."

[0031] (Vehicle leasing contract services) The car sales support server handles car lease contract operations based on customer information using car sales support terminals, including condition verification, purchase screening, and vehicle delivery.

[0032] (Conditions check) The car sales support server performs the following checks: confirmation of the desired car model, display of trade-in price, display of insurance premium, and display of the difference between the purchase price and the loan price. 、 Life insurance company After establishing contact, they will be asked to present the difference between the loan amount and the amount that would result from asset management.

[0033] (Trade-in price of the current vehicle) When a customer wishes to trade in their current vehicle, the car sales support server requests the leasing company system to send images of the vehicle, including its registration certificate, exterior, and interior, taken with the camera on a mobile device. Based on the received images, the server determines the trade-in price and sends it to the leasing company system.

[0034] (Purchase review) The car sales support server handles the purchase screening process by linking with the screening forms of each leasing company, providing information on credit card payment methods, and presenting point rewards for credit card payments.

[0035] (Vehicle delivery) The car sales support server handles vehicle ordering, provides guidance on the delivery process, and offers maintenance information after delivery.

[0036] (Customer referral fee) When the car sales support server receives customer information requesting a car lease from a partner terminal, it sends payment information for a predetermined referral fee to the partner server.

[0037] (Car lease closing fee) The car sales support server transmits payment information for a predetermined transaction fee to the partner server when a car lease agreement is concluded based on customer information introduced from the partner terminal.

[0038] (Internal systems that integrate) The car sales support server works in conjunction with a designated external system. External systems include customer management systems, credit card payment systems, property insurance systems, call center systems, car leasing systems for leasing companies, point-related systems, driver monitoring systems, and car dealer systems.

[0039] (Support management processing) The car sales support server is When an access request is received from a partner terminal and car lease introduction information, including presentation information and / or calculation information, is transmitted and displayed, support management data is created regarding the usage status of the car lease introduction information, and the support management data is processed and analyzed, and the results are displayed.

[0040] (Login on partner device) The car sales support server is When accessing a partner terminal, a login screen is sent, and in addition to requiring the input of a pre-registered login ID and password, the user is asked to select whether the purpose of using the car lease introduction information is customer support or training. When login information, including the login ID, password, and purpose of use, is received, support management data will be generated if the purpose of use is customer support, but support management data will not be generated if the purpose of use is training.

[0041] (Generating an event list based on screen switching operations) The car sales support server is When a login from a partner terminal is detected, the timer is started. Each time an event on a partner terminal is detected related to a screen switching operation for presentation information and calculation information composed of multiple screens, the timer value of a timer indicating the start time of the screen switching and a predetermined screen code indicating the switched screen are registered in a predetermined event list. When a logout from a partner terminal is detected, a predetermined support management record is generated based on the event list and added to the support management data.

[0042] (Screen access time registration) When the car sales support server registers a timer value and screen code in the event list, it calculates the screen access time of the previous switching screen as the difference between that value and the timer value indicating the start time of the previous event's switching screen, and registers this in the event list. When a logout from a partner device is detected, the total access time obtained by summing the screen access times for the event is calculated and registered in the event list.

[0043] (Event list header information) The event list includes the partner company name, login ID, password, login time, and logout time as header information.

[0044] (Generating support management records and adding them to support management data) The car sales support server generates support management records based on the event list, including the partner company name, login ID, password, login time, logout time, access time, usage history showing screen changes (screen transitions) for presentation information, usage history showing screen changes (screen transitions) for trial information, and whether or not customer information was acquired. These records are then added to the support management data.

[0045] (Generation and use of aggregated data) The car sales support server is Based on the support management data, predetermined aggregated data is generated at predetermined intervals. The aggregated data includes the name of the partner company, the number of accesses during a specified period, the total access time during the specified period, the average access time per access (calculated by dividing the total access time by the number of accesses during the specified period), and the number of customer information records obtained during the specified period. The aggregated data generated includes daily aggregate data, weekly aggregate data, weekly aggregate data broken down by day of the week, monthly aggregate data, and yearly aggregate data. The aggregated data is displayed in either a table or graph format.

[0046] (Generating and displaying a screen transition graph based on the event list) car The sales support server is Based on the event list, a screen transition graph is generated and displayed, showing the screen access time for each screen transition from login to logout. [Effects of the Invention]

[0047] (Effectiveness of the car lease sales support system) The present invention relates to a car lease sales support system that links a car sales support server and car sales support terminal owned by a car sales company that constructs and operates a predetermined car lease sales business for selling cars to customers under car lease contracts, and a partner server and partner terminal owned by a partner company, including a life insurance company and a financial company that is affiliated with the car sales company. The car sales support server, upon receiving an access request for car lease introduction information from a partner terminal authorized to access the system through account registration, transmits and displays presentation information explaining a new way of owning a car through leasing and asset management, and calculation information to help the customer determine a car they would like to own on a trial basis, corresponding to the new way of owning a car. Upon receiving customer information requesting a car lease from the partner terminal that transmitted the presentation information and calculation information, the car sales support server registers the customer information in a customer list. The car sales support terminal receives the customer information registered in the car sales support server and executes car lease operations, including car lease contracts. When a representative from a partner company advising on investment products discusses cars with a customer, they can access the car sales support server to retrieve presentation information and explain to the customer "a new way of owning a car through leasing and asset management," appropriately explaining the advantages of car leasing. If the customer shows interest, they can retrieve calculation information and run a simulation to "trially determine the car the customer wants that corresponds to this new way of owning a car." If the customer wants to lease a car, they can send the customer information to the car sales support server, enabling efficient car leasing operations, including the car lease contract. This collaboration between different industries such as life insurance, investment products, and car sales is expected to create opportunities for car sales through car leasing and promote car sales. Furthermore, partner companies, including life insurance companies and financial companies, can promote enrollment in insurance and investment products for asset building that utilize the difference between cash purchase funds and car lease funds, making it possible for customers, car sales companies, and life insurance and financial companies to all benefit.

[0048] (Effectiveness of the screen transition overview for presentation information) Furthermore, the car sales support server displays screen information as presentation information, including a home screen, a car asset value screen, a car ownership cost screen, an ownership cost comparison screen, a monthly ownership cost comparison screen, a cash flow comparison screen, a screen comparing benefits other than cost, a car lease and asset management screen, and a presentation end screen, through screen transition operations. The home screen indicates screen transitions to presentation information and calculation information; the car asset value screen indicates that owning a car does not constitute an asset; the car ownership cost screen indicates that ownership costs are high; the ownership cost comparison screen compares 10-year costs based on the differences in car ownership methods such as loan purchase, cash purchase, or car lease; and the monthly ownership cost comparison screen compares car ownership based on loan purchase, cash purchase, or car lease. The system compares monthly costs based on the different ownership methods, the cash flow comparison screen shows the cash flow differences between loan purchase and car lease, the non-cost benefits comparison screen shows the non-cost benefits differences between loan purchase and car lease, the car lease and asset management screen shows asset formation over 10 years based on the differences between loan purchase, cash purchase, and car lease, and the presentation end screen indicates that the system has guided users through a new way of owning a car that avoids losses through car leasing. This allows the operator at the partner terminal to easily convey and ensure that customers understand the explanation of "a new way of owning a car through leasing and asset management" by navigating through the presentation information screens.

[0049] (Home screen effect) Furthermore, the car sales support server displays a title message that reads, "We will guide you through a new way of owning a car that won't cost you money," along with menu selection buttons for presentation information and calculation information, as its home screen. This makes it possible to strongly attract customers' interest in "a new way of owning a car through leasing and asset management."

[0050] (Effect of the car's asset value screen) Furthermore, the car sales support server displays a car asset value screen with messages such as "Cars are an expensive purchase!", "Q (Question) Do you think a car is an asset for your household finances?", "[1] Yes [2] No [3] I don't know", "A (Answer) No", and "By the time you consider trading it in, its asset value is almost zero." In addition, it displays a graph showing the decline in car asset value and a message explaining the graph: "By the time you finish using it, its asset value is almost zero. The cost incurred for purchase has simply been amortized." This enables customers to properly understand that cars are not assets.

[0051] (Effect of the car ownership cost screen) The car sales support server also displays a screen showing the costs of car ownership, with messages such as "Taxes & Maintenance!", "Q (Question) How much will it cost to own a car over 10 years?", "[1] Less than 500,000 yen [2] Less than 1,000,000 yen [3] More than 1,000,000 yen [4] Don't know", "A (Answer) More than 1,000,000 yen", "Taxes, Vehicle Inspection, Maintenance, Hidden Costs", "Costs Involved in Car Ownership", "Weight Tax (at Vehicle Inspection), Repair Costs (after Manufacturer's Warranty Expires), Vehicle Inspection and Maintenance Costs (First time 3 years, every 2 years thereafter), Battery Replacement (approximately every 3 years), Tire Replacement (approximately every 40,000 km), Automobile Tax (annually), Statutory 12-Month Inspection (every year), Scheduled Inspection (every 6 months), Oil Change (every 5,000 km), Oil Filter Replacement (every year), Wiper Replacement (as needed)", a graph showing the total annual costs for 10 years of ownership, and a graph explanation stating "Unexpected expenses can be quite stressful". However, this is an unavoidable expense as long as you own a car..." and the message "Approximately 1 million yen for a kei car, approximately 1.5 million yen for a 1500cc car, and approximately 1.7 million yen for a 2000cc car" (Note that the above amounts are hypothetical examples) will be displayed, making it possible to make customers understand that the costs over 10 years will exceed their expectations.

[0052] (Effect of the car cost comparison screen) Furthermore, the car sales support server displays messages such as "You can see the big difference!?", "Q (Question) What is the most cost-effective way to buy a car?", "[1] Loan purchase [2] Cash purchase [3] Car lease [4] I don't know", "A (Answer) Car lease", "Just changing how you buy a car can make a big difference", "Loan purchase aaa million yen, Cash purchase bbb million yen, New way to own a car (3-year trade-in lease) ccc million yen (however, aaa > bbb > ccc)", and "If you own a car for 10 years, this is how big the difference is. A car lease where you trade in your car every 3 years is the new way to own a car!", making it easy for customers to understand that car leasing is more cost-effective than loan purchases or cash purchases.

[0053] (Effectiveness of the monthly car cost comparison screen) Furthermore, the car sales support server includes a monthly car cost comparison screen that states, "Of course, the cost when buying a car is important," "However, if you don't carefully consider the costs after the purchase, you'll end up paying unnecessary money," and "We will explain in detail why such a difference occurs." The message displayed is, "How much does it change depending on how you use it! A concrete look at the difference in monthly costs," and shows the 10-year maintenance costs for a vehicle priced at xxx million yen as follows: "3-year loan aa,aaa yen, purchase (loan payment) bb,bbb yen, all cash payment cc,ccc yen, new way of using it (3-year car lease with vehicle replacement) dd,ddd yen (however, aa,aaa > bb,bbb > cc,ccc > dd,ddd)." This makes it easy for customers to understand that car leasing is more cost-effective than purchasing with a loan or cash, even in terms of monthly costs.

[0054] (Effect of the cash flow comparison screen) Furthermore, the car sales support server displays messages such as "How much it changes depending on how you drive!", "A concrete look at the differences in cash flow", "[A] In the case of purchase (loan) (1) A lump sum of money is required for various expenses at the time of purchase (2) Various taxes must be paid (3) Costs such as vehicle inspections and various maintenance are required each time", and "[B] In the case of car leasing (1) Payments are constant from start to end (2) There are no sudden expenses such as annual automobile tax and vehicle inspections (3) Maintenance required during the contract period is included, so you can rest assured", as a cash flow comparison screen, enabling customers to concretely understand the cash flow that is advantageous in the case of car leasing.

[0055] (Effectiveness of the comparison screen for advantages other than cost) Furthermore, the car sales support server displays messages such as, "How much difference does it make depending on how you drive?", "A concrete look at the difference in safety," "With a new way of driving (3-year replacement lease), you can get a lot more than just cost savings!", "[A] In the case of purchase (loan): Safety performance decreases (relatively declining as the safety performance of new vehicles improves), fuel efficiency and environmental performance decreases (relatively declining as the fuel efficiency of new vehicles improves)," and "[B] In the case of a new way of driving (3-year replacement lease): You get the latest advanced safety features and fuel efficiency because you switch to a new car regularly (every 3 years), and you also get new tires every 3 years for even greater peace of mind and safety." This enables customers to properly understand that car leasing offers many benefits beyond just cost savings.

[0056] (Effects of car leasing and asset management screens) Furthermore, the car sales support server displays messages such as "Graduate from driving cars until they're worn out and become an overwhelming winner with leasing and asset management!", "Things change so much in 10 years: Loan purchase (driving one car for 10 years) aaa million yen, Cash purchase (driving one car for 10 years) bbb million yen, New way of driving (3-year trade-in lease) ccc million yen (however, aaa > bbb > ccc)", as well as graphs that include the following: "In the case of a loan, if you are considering a loan, you can build assets by leasing", "Invest the difference between the monthly loan payment and the monthly lease payment in yen, and build assets of xxx million yen in 5 years (with an investment return of p%)", and "In the case of a cash purchase, if you have funds on hand, your future will change depending on how you use them. If you buy a car with your bbb million yen on hand, its asset value will be almost zero in 10 years". By displaying an image containing the message, "Investing for 10 years will generate assets of yyy million, but would you still use your available funds on a car?", it becomes possible to fully understand the future benefits of "leasing and asset management."

[0057] (Effects of the presentation end screen) Furthermore, the car sales support server displays the message, "We have introduced you to a new way of owning a car that won't cost you money," as the presentation completion screen, and also displays menu selection buttons for presentation information and calculation information. As a result of this series of screen transitions, it is possible to confirm that the customer fully understands that "3-year car replacement lease" is one of the "new ways of owning a car that won't cost you money." If the customer wishes to review any screens again, they can return to the home screen by operating the menu selection button for presentation information and then transition to the necessary screen. In addition, if the customer requests it, they can switch to the calculation information display by operating the menu selection button for calculation information and then move to the screen showing the optimal way to own a car with a 3-year car replacement lease.

[0058] (Effects of the screen transition overview for calculation information) Furthermore, the car sales support server displays calculation information (simulation information), including a calculation start screen, a car type selection screen, a monthly payment amount selection screen, a car selection screen, a customer information input screen, and a calculation end screen, through screen transitions. The calculation start screen indicates the start of a proposal for a new way of owning a car; the car type selection screen allows the customer to select a car type; the monthly payment amount selection screen allows the customer to select a monthly payment amount they can afford; the car selection screen allows the customer to select a car model they wish to own; the customer information input screen allows the customer to input the personal information necessary to purchase the car model they wish to own; and the calculation end screen indicates that the server will support the customer in purchasing the car model they wish to own. Thus, the calculation information that allows customers to decide on a car they want in line with a new way of owning a car is conveyed to the customer in an easy-to-understand manner through screen transitions.

[0059] (Effect of the calculation start screen) Furthermore, the sales support server displays messages such as "A new way to own a car," "Just answer two questions," and "We will suggest the best way to own a car for you" as the calculation start screen, making it possible to generate strong interest and engagement in customers' calculations for acquiring the car they want to own through leasing.

[0060] (Effect of the car type selection screen) Furthermore, the car sales support server displays the message "Please select a car type" on the car type selection screen, and also includes selection buttons for kei cars, compact cars, minivans, SUVs, and other vehicles, enabling customers to appropriately select the type of car they wish to lease for a 3-year period.

[0061] (Effect of the screen for selecting the monthly payment amount) Furthermore, the car sales support server has a screen for selecting the monthly payment amount, The system displays a message asking customers to "Select the amount you can afford to pay monthly," and includes buttons to select amounts such as "Up to 5,000 yen," "Up to 10,000 yen," "Up to 15,000 yen," "Up to 20,000 yen," "20,000 yen or more," and "Unknown." By allowing customers to specify the monthly amount they can afford, the system can set the selection criteria for vehicles eligible for a 3-year lease that correspond to that monthly payment.

[0062] (Effect of the car selection screen) Furthermore, the car sales support server displays a message "Recommended car models for you" on the car selection screen, along with a photo of the car, its name, new car price, evaluation information (cost, safety performance, fuel efficiency / environment), and a selection button, all of which can be updated and selected as "car selection information." When any of the selection buttons for the car selection information is operated, the monthly payment amount is displayed. In addition, a message "This is a way to own a new car by leasing it for 3 years" is displayed, followed by messages regarding "reasons for selection" and "benefits of leasing." As a result, new cars eligible for a 3-year trade-in lease are specifically listed up to the maximum monthly payment the customer can afford, making it easy for the customer to select the new car they want. The display of the monthly payment after the selection increases the customer's satisfaction.

[0063] (Effect of Customer Information Input Screen 1) Furthermore, the car sales support server, as a customer information input screen, displays the message "Please enter your customer information," and includes input fields for entering the customer's name, address, and other required personal information, as well as a submit button. By sending the customer's personal information along with the customer's calculation results to the car sales support server, it becomes possible to support the purchase (lease) of a car through a 3-year replacement lease that meets the customer's wishes.

[0064] (Effect of Customer Information Input Screen 2) Furthermore, the car sales support server displays a message on the customer information input screen that reads, "Please take a picture of your driver's license with your mobile device's camera and send it," along with the destination information. Based on the received image of the driver's license, it registers the customer's personal information, including their name and address. By automatically reading the received image of the driver's license, it is possible to accurately and reliably acquire and register the customer's personal information, including their name and address.

[0065] (Effect of the calculation completion screen) Furthermore, the car sales support server displays messages such as "Customer information has been sent" and "We will support you in purchasing the best car for you" on the calculation information completion screen, allowing customers to wait with peace of mind to proceed to the next step: purchasing their desired car through a 3-year trade-in lease.

[0066] (Effects of car lease contract services) Furthermore, the car sales support server enables the confirmation of terms, purchase screening, and delivery of vehicles as part of car lease contract operations based on customer information using the car sales support terminal. This allows for the swift execution of specific tasks such as confirming terms, purchase screening, and delivery for customers who wish to purchase a car through a 3-year vehicle replacement lease.

[0067] (Effect of checking conditions) Furthermore, the car sales support server performs condition checks such as confirming the desired car model, providing trade-in prices, providing insurance premiums, and showing the difference between the purchase price and the loan price. 、 Life insurance company After collaborating with them, the system will present the difference between the loan amount and the difference if the amount were invested, ensuring that all the customer's desired conditions are confirmed and enabling the purchase of a car through a 3-year car lease with vehicle replacement is successfully carried out.

[0068] (Effect of trade-in value of the current vehicle) Furthermore, when a customer wishes to trade in their currently owned vehicle, the car sales support server requests the leasing company system to send images of the vehicle, including its registration certificate, exterior, and interior, taken with the camera on a mobile device. Based on the received images, the server determines the trade-in price and sends it to the leasing company system. This allows the server to accurately understand the condition of the vehicle being traded in, as if it were being inspected directly, and to determine a fair trade-in price.

[0069] (Effects of purchase review) Furthermore, the car sales support server facilitates the proper and reliable setup of lease agreements necessary for purchasing a car through a 3-year replacement lease by linking with the application forms of each leasing company, providing guidance on credit card payment methods, and offering point rewards for credit card payments.

[0070] (Effects of vehicle delivery) Furthermore, the car sales support server handles vehicle ordering, provides guidance on the delivery process, and offers maintenance information after delivery. This ensures that customers who have decided to purchase a car through a 3-year lease agreement receive a new car reliably and can use their vehicle with peace of mind by showing them the maintenance schedule after delivery.

[0071] (The effect of customer referral fees) Furthermore, when the car sales support server receives customer information requesting a car lease from a partner terminal, it sends payment information for a predetermined referral fee to the partner server. This means that life insurance companies can earn a fee by sending customer information requesting a car lease to the car sales support server. This encourages them to proactively introduce car leasing as a new way to own a car during insurance product sales and asset building consultations, and to provide customer information requesting a car lease to the car sales support server. Considering the nationwide presence of life insurance companies, it is expected that a considerable number of customer information requests requesting a car lease will be acquired, leading to a significant boost in car sales through car leasing.

[0072] (The effect of the commission fee for closing a car lease deal) Furthermore, when a car lease agreement is concluded based on customer information introduced from a partner terminal, the car sales support server sends payment information for a predetermined closing fee to the partner server. Since the closing fee is higher than the referral fee, the benefits for life insurance companies increase. This encourages them to proactively introduce car leasing as a new way of owning a car during consultations on insurance product sales and cost estimation, thereby increasing the closing rate and potentially boosting car sales through car leasing.

[0073] (Effects of the integrated external system) Furthermore, the car sales support server will integrate with designated external systems, including a customer management system, credit card payment system, non-life insurance system, call center system, leasing company car leasing system, points-related system, driver monitoring system, and car dealer system. As a result of the new car ownership model through car leasing, the integration with these external systems will enable the creation of new services that utilize the functions of each system.

[0074] (Effects of support management processing) The car sales support server receives access requests from partner terminals and transmits and displays car lease introduction information, including presentation information and / or cost estimation information. When this is done, it creates support management data on the usage status of the car lease introduction information, processes and analyzes the support management data, and displays the results. As a result, the support management data collects and stores data on the progress of operations performed by partner company personnel when consulting with customers, from accessing the car lease introduction information and explaining the advantages of car leasing to the point where the customer decides to lease a car. By processing and analyzing the generated support management data, car sales companies can appropriately grasp the operational status and results of car lease sales by partner companies.

[0075] (Effect of logging in on partner devices) Furthermore, the car sales support server sends a login screen to partner terminals that request the user to enter a pre-registered login ID and password, as well as select whether the purpose of use of the car lease information is customer support or training. When login information including the login ID, password, and purpose of use is received, support management data is generated if the purpose of use is customer support, and support management data is not generated if the purpose of use is training. Since access from partner terminals can be divided into training, where the person in charge views the information in preparation for introducing and explaining vehicle lease information to the customer, and customer support, where the information is actually shown to the customer, the server makes it possible to determine whether it is customer support or training from the login information and generates support management data only in the case of customer support, thereby avoiding the generation of unnecessary data due to training.

[0076] (Effect of generating an event list based on screen switching operations) Furthermore, the car sales support server starts a timer when it detects a login from a partner terminal, and each time it detects an event on the partner terminal related to a screen switching operation of presentation information and estimation information composed of multiple screens, it registers the timer value of the timer indicating the start of the screen switching and a predetermined screen code indicating the switched screen in a predetermined event list. When it detects a logout from a partner terminal, it generates a predetermined support management record based on the event list and adds it to the support management data. As a result, each time a partner terminal requests car lease introduction information, the use of the presentation information and estimation information by the partner terminal through screen switching is generated as an event list in real time, and by generating the necessary support management records from the event list and adding them to the support management data, it becomes possible to accurately grasp the usage status of car lease introduction information by partner terminals.

[0077] (Effect of registering screen access time) Furthermore, when the car sales support server registers a timer value and screen code in the event list, it calculates the screen access time of the previous switching screen as the difference from the timer value indicating the start time of the previous event's switching screen and registers it in the event list. When it detects that a partner terminal has logged out, it calculates the total access time by summing the screen access times of the events and registers it in the event list. As a result, for screen switching of presentation information and estimation information, the screen access time during which the switched screen was viewed is detected from the timer value of a dedicated timer (software timer), making it possible to easily and accurately detect and utilize screen access time without using time information, etc.

[0078] (Effect of event list header information) Furthermore, the event list now includes the partner company name, login ID, password, login time, and logout time as header information, making it easy and reliable to include this header information in the support management records generated based on the event list.

[0079] (Effects of generating support management records and adding them to support management data) Furthermore, the car sales support server generates support management records based on the event list, including the partner company name, login ID, password, login time, logout time, access time, usage history showing screen transitions for presentation information, usage history showing screen transitions for trial information, and whether or not customer information was acquired. These records are then added to the support management data. By viewing the support management data on the car sales support server, it becomes possible to understand the usage status based on the number of accesses for each partner company. Additionally, if customer information is acquired, it becomes possible to understand the access time and how the presentation information and trial information were used. This allows for a concrete understanding of the work status of the partner company's representative leading up to the "acquisition of customer information" outcome. For example, this information can be used to revise the work execution manual provided to the partner company's representative, enabling the construction of more efficient support operations for car lease sales.

[0080] (Effects of generating and using aggregated data) Furthermore, the car sales support server generates predetermined aggregate data at predetermined intervals based on support management data. This aggregate data includes the name of the partner company, the number of accesses during the predetermined period, the total access time during the predetermined period, the average access time per access (calculated by dividing the total access time by the number of accesses during the predetermined period), and the number of customer information acquisitions during the predetermined period. The aggregate data is generated on a daily basis, a weekly basis, weekly aggregate data broken down by day of the week, a monthly basis, and a yearly basis. The aggregate data is displayed in tabular or graphical format. This makes it possible to generate and display aggregate data for the number of accesses, total access time, average access time, and number of customer information acquisitions for each partner company on a daily, weekly, monthly, and even yearly basis. This allows the achievement of "acquiring customer information" to be grasped quantitatively, enabling an appropriate assessment of the degree of contribution from partner companies. Furthermore, "total access time" can be considered equivalent to the time spent outsourcing tasks to partner companies from the perspective of a car sales company providing a car sales support server. This allows for the use of "total access time" to consider the cost of outsourcing. In addition to displaying aggregated data in tabular format, the ability to display it as bar graphs, line graphs, pie charts, etc., makes it possible to easily and appropriately compare results, such as "acquisition of customer information," by partner company.

[0081] (Effect of generating and displaying screen transition graphs based on event lists) Furthermore, the car sales support server generates and displays a screen transition graph showing the screen access time for each screen from login to logout, based on the event list. This makes it easy to visually determine the usage status based on the screen transitions and access time changes for each screen for each request for car lease information from a partner terminal. [Brief explanation of the drawing]

[0082] [Figure 1]This is an explanatory diagram showing the system configuration of a car lease sales support system. [Figure 2] This is an explanatory diagram showing the functional configuration of the car sales server. [Figure 3] This is a flowchart illustrating the processing performed by the car sales server. [Figure 4] Figure 3 is a flowchart showing the details of the presentation information transmission process. [Figure 5] Figure 3 is a flowchart showing the details of the calculation information transmission process. [Figure 6] This is an explanatory diagram showing the home screen. [Figure 7] This is an explanatory diagram showing a screen displaying the asset value of a car. [Figure 8] This is an explanatory diagram showing a screen displaying car ownership costs. [Figure 9] This is an explanatory diagram showing the graph from Figure 8. [Figure 10] This is an explanatory diagram showing a car cost comparison screen. [Figure 11] This is an explanatory diagram showing a monthly car cost comparison screen. [Figure 12] This is an explanatory diagram showing a cash flow comparison screen. [Figure 13] This is an explanatory diagram showing a comparison screen of advantages other than cost. [Figure 14] This is an explanatory diagram showing the graph from Figure 13. [Figure 15] This is an explanatory diagram showing car leasing and asset management screens. [Figure 16] This is an explanatory diagram showing the graph from Figure 15. [Figure 17] This is an explanatory diagram showing the end screen of a presentation. [Figure 18] This is an explanatory diagram showing the screen for starting the calculation. [Figure 19] This is an explanatory diagram of the car type selection screen. [Figure 20] This is an explanatory diagram showing the screen for selecting the monthly payment amount. [Figure 21] This is an explanatory diagram showing the car selection screen. [Figure 22] This is an explanatory diagram showing the car selection screen that follows Figure 21. [Figure 23] This is an explanatory diagram showing the customer information input screen. [Figure 24] This is an explanatory diagram showing the screen after the calculation is complete. [Figure 25] This is an explanatory diagram showing another example of a customer information input screen. [Figure 26] This is an explanatory diagram showing the trade-in price proposal screen. [Figure 27] This is an explanatory diagram showing the login screen of a partner terminal. [Figure 28] This is an explanatory diagram showing the event list created each time a request for car lease information is made from a partner terminal. [Figure 29] This is an explanatory diagram showing the event list that occurs when you log off during the screen transition of the car lease introduction information screen. [Figure 30] This is an explanatory diagram showing a screen transition graph generated based on the event list. [Figure 31] This is an explanatory diagram showing support management data. [Figure 32] This is an explanatory diagram showing company-specific daily aggregate data generated from support management data, and pie charts illustrating the percentage of customer information acquired by company on a daily basis. [Figure 33] This is an explanatory diagram showing weekly aggregated data and weekly customer information acquisition graphs generated from support management data. [Figure 34] This is an explanatory diagram showing company-specific weekly aggregate data generated from support management data, and a pie chart of the weekly customer information acquisition rate by company. [Figure 35] This is an explanatory diagram showing monthly aggregate data by company and pie charts of the percentage of customers acquired by company each month, generated from support management data. [Figure 36] This is a flowchart illustrating the support management process. [Figure 37] This is a flowchart showing the details of the support management data generation process in step S43 of Figure 36. [Modes for carrying out the invention]

[0083] The following describes in detail an embodiment of the car lease sales system according to the present invention, based on the drawings. However, the present invention is not limited to the following embodiments.

[0084] [Basic Concepts of the Embodiment] First, let me explain the basic concept of the embodiment. In general terms, the embodiment relates to a car lease sales support system that links a car sales support server owned by a car sales company with a partner server owned by a partner company, including life insurance companies and financial companies.

[0085] Here, the "vehicle sales support server" is owned by a vehicle sales company and is used to build, operate, and manage the prescribed vehicle lease sales operations for selling vehicles to customers under vehicle lease agreements. It also provides services to designated terminals, including vehicle sales support terminals. The "vehicle sales support terminal" is a terminal used by a person in charge at a vehicle sales company, and it accesses the vehicle sales support server to perform vehicle lease sales operations.

[0086] Furthermore, "partner servers" are owned by financial companies such as life insurance companies and securities companies. In the case of life insurance companies, these are life insurance servers that build, operate, and manage specified life insurance operations, including life insurance contracts, for customers. In the case of financial companies, these are financial servers that build, operate, and manage financial operations, including the sale of investment products to customers. "Partner terminals" are devices that access partner servers owned by life insurance companies and financial companies to perform partner operations. In the case of life insurance servers, these are terminals used by employees of life insurance companies, insurance agents, or, for example, financial planners. In the case of financial servers, these are terminals used by employees of financial companies. Financial companies also include companies that provide online household budgeting and asset management tools.

[0087] Furthermore, "car leasing" is a subscription service in which a person pays a monthly fee to rent a car for an extended period. In principle, it is based on the premise that the car will be returned after the contract expires. The leasing company becomes the owner, and the person who signs the contract is registered as the user of the car. This term encompasses concepts such as car lease and vehicle lease.

[0088] In the embodiment of the "car lease sales support system," when the car sales support server receives a request for car lease introduction information from a partner terminal that has been authorized to access the system through account registration, it sends presentation information and calculation information to the partner terminal for display.

[0089] Here, "presentation information" refers to information that explains to customers new ways of owning cars, such as leasing and asset management. "Estimated information" refers to information that allows customers to tentatively decide on a car they would like to own in accordance with these new ways of owning cars, and includes the concept of simulation information.

[0090] Furthermore, the "car sales support server" registers customer information in its customer list when it receives customer information requesting a car lease from a partner terminal that has sent presentation information and cost estimates.

[0091] Furthermore, the "vehicle sales support server" uses the vehicle sales support terminal to perform vehicle leasing operations, including vehicle lease agreements, based on the customer information stored on the vehicle sales support server.

[0092] According to this embodiment of the car lease sales support system, when a representative of a partner company, using a partner terminal to advise a customer, comes up in conversation about cars, they can access the car sales support server to obtain presentation information and explain to the customer "a new way of owning a car through leasing and asset management," appropriately explaining the advantages of car leasing. If the customer shows interest, they can obtain calculation information and run a simulation to "trially determine a car that the customer wants in line with this new way of owning a car." If the customer wishes to lease a car, they can send customer information to the car sales support server, enabling efficient progress in car leasing operations, including the car lease contract.

[0093] Therefore, car sales companies are expected to gain opportunities for selling cars through car leasing by collaborating with partner companies in different industries, including life insurance companies and financial institutions, and thereby promote car sales. In addition, partner companies, including life insurance companies and financial institutions, will be able to promote enrollment in insurance products and investment products for asset building that utilize the difference between cash purchase funds and car lease funds. As a result, it will be possible to create a system in which customers, car sales companies, and partner companies all benefit as winners through car leasing sales.

[0094] Furthermore, the "car sales support server" displays screen information, including the home screen, car asset value screen, car ownership cost screen, car cost comparison screen, monthly car cost comparison screen, cash flow comparison screen, non-cost benefit comparison screen, car lease and asset management screen, and presentation end screen, on partner terminals through screen transition operations.

[0095] Therefore, the person in charge of the partner terminal can use screen transitions of presentation information obtained from discussions about cars to clearly explain to customers the "new way of owning a car through leasing and asset management," and help them understand it.

[0096] Here, the "home screen" indicates the transition to presentation information and calculation information, making it possible to strongly stimulate customer interest in "a new way of owning a car through leasing and asset management."

[0097] Furthermore, the "car value screen" shows that owning a car does not constitute an asset, enabling customers to properly understand that cars are not assets.

[0098] Furthermore, the "car ownership cost screen" shows that ownership costs are high, allowing customers to understand that the costs incurred over a 10-year period may exceed their expectations.

[0099] Furthermore, the "Car Cost Comparison Information Screen" compares and displays 10-year costs based on the differences in car ownership methods, such as loan purchase, cash purchase, or car lease, making it easy for customers to understand that car leasing is more cost-effective than loan purchase or cash purchase.

[0100] Furthermore, the monthly car cost comparison screen displays a comparison of monthly costs based on the different forms of car ownership: loan purchase, cash purchase, and car lease. This makes it easy for customers to understand that car leasing is more cost-effective than loan purchase or cash purchase in terms of monthly costs.

[0101] Furthermore, the "Cash Flow Comparison Screen" compares and displays the cash flow differences between car ownership through loan purchase and car lease, allowing customers to concretely understand the cash flow advantages of car leasing. Here, cash flow refers to the movement of money coming in and money going out. Of these, the money coming in is called "cash inflow," and the money going out is called "cash outflow." The sum of these two is called cash flow.

[0102] Furthermore, the "Comparison Screen of Benefits Other Than Cost" compares the benefits of car ownership methods other than cost, such as safety, between loan purchase and car lease, and contains content that helps customers properly understand that car leasing offers many advantages beyond just cost.

[0103] Furthermore, the "Car Leasing and Asset Management Screen" illustrates the differences in asset formation over 10 years depending on the car ownership method—loan purchase, cash purchase, or car lease—enabling customers to fully understand the future benefits of "leasing and asset management."

[0104] Furthermore, the "Presentation End Screen" indicates that the customer has been guided through a new way of owning a car that does not result in losses through car leasing, and allows for confirmation that the customer fully understands that a "3-year trade-in lease" is one such "new way of owning a car that does not result in losses." In addition, if the customer wishes to review any screens again, they can return to the home screen by operating the menu selection button for the presentation information, and then navigate to the necessary screen. Furthermore, at the customer's request, they can move to the calculation information screen by operating the menu selection button for the calculation information, where the optimal way to own a car through a 3-year trade-in car lease will be displayed.

[0105] Furthermore, the "car sales support server" displays screen information, including the calculation start screen, car type selection screen, monthly payment amount selection screen, car selection screen, customer information input screen, and calculation end screen, as calculation information (simulation information) through screen transitions. Therefore, it is possible to convey and ensure that customers understand the calculation information that allows them to decide on the car they want, in line with new ways of owning a car, through screen transitions.

[0106] Furthermore, the "car sales support server" may, in addition to displaying a message on the customer information input screen instructing the customer to fill in and submit the prescribed personal information, including their name and address, and also display a message instructing the customer to submit a photograph of their driver's license taken with their mobile device's camera. The server may then automatically read the received driver's license photograph and register the customer's personal information.

[0107] Here, the "Calculation Start Screen" indicates the beginning of a new car ownership proposal, enabling customers to develop a strong interest in and engagement with the calculation of the leased car they wish to own.

[0108] Furthermore, the "Vehicle Type Selection Screen" allows customers to select the type of vehicle they wish to lease, enabling them to appropriately choose the vehicle type they want for their 3-year car lease.

[0109] Furthermore, the "Select Monthly Payment Amount" screen allows customers to select a monthly payment they can afford, enabling them to set the selection criteria for vehicles eligible for a 3-year trade-in lease that correspond to their monthly payment.

[0110] Furthermore, the "Vehicle Selection Screen" allows customers to select their desired vehicle type, and specifically lists new cars eligible for a 3-year trade-in lease up to the maximum monthly payment the customer can afford. This makes it easy for customers to select their desired new car, and the monthly payment is displayed based on their selection, thereby increasing customer satisfaction.

[0111] Furthermore, the "customer information input screen" allows customers to input the personal information necessary to purchase their desired vehicle. This information, along with the customer's calculation results, is then sent to the car sales support server, enabling support for purchasing (leasing) a car through a 3-year replacement lease that meets the customer's needs.

[0112] Furthermore, the "Calculation Completion Screen" indicates that the system will support the customer in purchasing their desired vehicle, allowing the customer to wait with confidence, expecting the next step—purchasing their desired car through a 3-year lease—to proceed.

[0113] Furthermore, the "Vehicle Sales Support Server" handles vehicle lease contract operations based on customer information using vehicle sales support terminals, including condition verification, purchase screening, and vehicle delivery. This allows for the rapid processing of specific tasks such as condition verification, purchase screening, and vehicle delivery for customers who wish to purchase a vehicle through a 3-year vehicle replacement lease.

[0114] Here, "condition confirmation" refers to confirming the desired vehicle model, providing trade-in prices, providing insurance premiums, and showing the difference between the purchase price and the loan amount. 、 After integration with life insurance services, the system will present the difference between the loan amount and the difference if the difference were managed through asset investment. Therefore, the car sales support server will thoroughly check all the conditions desired by the customer, enabling them to reliably proceed with the purchase of a car through a 3-year car replacement lease.

[0115] Furthermore, the "purchase screening" process involves linking with each leasing company's screening form, providing information on credit card payment methods, and offering point rewards for credit card payments. Therefore, the car sales support server enables the proper and reliable setup of lease agreements necessary for purchasing a car through a 3-year replacement lease.

[0116] Furthermore, "vehicle delivery" refers to the process from ordering the vehicle to delivery, and providing maintenance information after delivery. Therefore, the vehicle sales support server ensures that customers who have decided to purchase a vehicle through a 3-year lease agreement receive a new vehicle and provides a maintenance schedule after delivery, enabling them to use their vehicle with peace of mind.

[0117] Furthermore, when a customer wishes to trade in their currently owned vehicle, the "vehicle sales support server" requests the leasing company system to send images taken with the camera on a mobile device, including the vehicle registration certificate, the exterior, and the interior of the current vehicle. Based on the received images, the server determines the trade-in price and sends it to the leasing company system. This allows the server to accurately understand the condition of the vehicle and determine a fair trade-in price, as if it were directly inspected.

[0118] Furthermore, the "car sales support server" receives customer information requesting a car lease from a partner terminal and then sends payment information for a predetermined referral fee to the partner server. As a result, life insurance companies can earn a fee by sending customer information requesting a car lease to the car sales support server. This encourages them to proactively introduce car leasing as a new way to own a car during insurance product sales and asset building consultations, and to provide customer information requesting a car lease to the car sales support server. Considering the nationwide presence of partner companies, including life insurance companies and securities firms, it is expected that a considerable number of customer information requests requesting a car lease will be acquired, leading to a significant boost in car sales through car leasing.

[0119] Furthermore, the "car sales support server" transmits payment information for a predetermined commission to the partner server when a car lease agreement is concluded based on customer information introduced from the partner terminal. As the commission is higher than the referral fee, the benefits for life insurance companies increase, and they are more likely to actively introduce car leasing as a new way of owning a car during consultations on insurance product sales and calculations, thereby increasing the rate of contracts and a significant boost to car sales through car leasing is expected.

[0120] Furthermore, the "Vehicle Sales Support Server" will link with designated external systems, including customer management systems, credit card payment systems, non-life insurance systems, call center systems, leasing company car leasing systems, point-related systems, driver monitoring systems, and car dealer systems. In line with the new way of owning cars through car leasing, the integration with these external systems will enable the creation of new services that utilize the functions of each system.

[0121] Furthermore, the "Vehicle Sales Support Server" receives access requests from partner terminals, transmits and displays vehicle lease introduction information including presentation information and / or cost estimation information, creates support management data regarding the usage status of the vehicle lease introduction information, processes and analyzes the support management data, and displays the results.

[0122] Therefore, the support management data allows partner company representatives to access car lease information, explain the advantages of car leasing, and guide customers through the process until they decide to lease a car. This data is collected and stored as support management data, and by processing and analyzing the generated support management data, car sales companies can appropriately grasp the operational status and results of car lease sales by their partner companies.

[0123] Furthermore, the "Vehicle Sales Support Server" sends a login screen to partner terminals that request the user to enter a pre-registered login ID and password, as well as select whether the purpose of use for the vehicle lease information is customer support or training. Upon receiving login information including the login ID, password, and purpose of use, the server generates support management data if the purpose of use is customer support, and does not generate support management data if the purpose of use is training. Therefore, by generating support management data only in the case of customer support, it is possible to avoid generating unnecessary support management data for training.

[0124] Furthermore, the "car sales support server" activates a timer when it detects a login from a partner terminal, and each time it detects an event on the partner terminal related to a screen switching operation for presentation information and estimation information composed of multiple screens, it registers the timer value of the timer indicating the start of the screen switching and a predetermined screen code indicating the switched screen in a predetermined event list. When it detects a logout from the partner terminal, it generates a predetermined support management record based on the event list and adds it to the support management data.

[0125] Therefore, each time a partner terminal requests car lease information, the use of the presentation information and estimation information by the partner terminal through screen switching is generated as an event list in real time. By generating the necessary support management records from the event list and adding them to the support management data, it becomes possible to accurately grasp the usage status of car lease information by partner terminals.

[0126] Furthermore, when the "car sales support server" registers a timer value and screen code in the event list, it calculates the screen access time of the previous switching screen as the difference between that value and the timer value indicating the start time of the previous event's switching screen, and registers it in the event list. When it detects that a partner terminal has logged out, it calculates the total access time by summing the screen access times of the events, and registers it in the event list.

[0127] Therefore, when switching between presentation information and calculation information screens, the screen access time spent viewing the switched screen is detected from the timer value of a dedicated timer (software timer), making it possible to easily and accurately detect and utilize this information without using time information or other data.

[0128] Furthermore, the "event list" includes the partner company name, login ID, password, login time, and logout time as header information, making it possible to easily and reliably include the header information in the support management record generated based on the event list.

[0129] Furthermore, the "Vehicle Sales Support Server" generates support management records based on the event list, including the partner company name, login ID, password, login time, logout time, access time, usage history showing screen transitions for presentation information, usage history showing screen transitions for trial information, and whether or not customer information was acquired. These records are then added to the support management data.

[0130] Therefore, by displaying support management data on the car sales support server, it becomes possible to understand the usage status based on the number of accesses for each partner company. Furthermore, when customer information is acquired, it becomes possible to understand the length of the access time and how presentation information and trial information were used, making it possible to specifically understand the work status of the person in charge at the partner company that led to the achievement of "acquiring customer information." For example, this can be reflected in revisions to the work execution manual provided to the person in charge at the partner company, enabling the construction of more efficient support operations for car lease sales.

[0131] Furthermore, the "Vehicle Sales Support Server" generates predetermined aggregate data at predetermined intervals based on support management data. This aggregate data includes the names of partner companies, the number of accesses during the predetermined period, the total access time during the predetermined period, the average access time per access (calculated by dividing the total access time by the number of accesses during the predetermined period), and the number of customer information acquisitions during the predetermined period. The aggregate data generated includes daily aggregate data, weekly aggregate data, weekly aggregate data broken down by day of the week, monthly aggregate data, and yearly aggregate data, which can then be displayed in tabular or graphical format.

[0132] Therefore, for each partner company, aggregated data such as the number of accesses, total access time, average access time, and number of customer information acquisitions can be generated and displayed on a daily, weekly, monthly, and even yearly basis. This makes it possible to quantitatively grasp the outcome of "acquisition of customer information" and to appropriately judge the degree of contribution of partner companies.

[0133] Furthermore, "total access time" can be considered equivalent to the time spent outsourcing tasks to partner companies from the perspective of car sales companies providing car sales support servers. This allows for the use of "total access time" to determine the compensation for outsourced tasks.

[0134] In addition to displaying aggregated data in tabular format, the ability to display it as graphs such as bar graphs, line graphs, and pie charts makes it possible to easily and appropriately compare results, such as "acquisition of customer information," by partner company.

[0135] Furthermore, the "car sales support server" generates and displays a screen transition graph based on the event list, showing the screen access time for each screen from login to logout. This makes it easy to visually determine the usage status based on the screen transitions and access time changes for each screen for each request for car lease information from a partner terminal.

[0136] [Specific details of the embodiment] The vehicle lease sales support system of this embodiment will be explained in more detail. The details will be explained in the following sections. Please note that the amounts mentioned in the following explanation are hypothetical examples. a. Vehicle lease sales support system a1. System Configuration a2. Car sales support server a3. Control Processing b. Presentation Information b1. Home screen b2. Vehicle asset value screen b3. Car ownership cost screen b4. Car cost comparison screen b5. Monthly car cost comparison screen b6. Cash Flow Comparison Screen b7. Comparison screen for advantages other than cost b8. Car leasing and asset management screen b9. Presentation End Screen c. Estimated information c1. Trial calculation start screen c2. Vehicle type selection screen c3. Screen for selecting the monthly payment amount. c4. Vehicle selection screen c5. Customer Information Input Screen c6. Calculation completion screen c7. Other embodiments of the customer information input screen d. Trade-in price proposal screen e. Support Management Processing e1. Login screen e2. Event List e3. Screen transition graph e4. Support Management Data e5. Daily aggregated data by company e6. Weekly summary data e7. Weekly aggregate data by company e8. Monthly aggregated data by company e9. Support Management Processing e10. Support Management Data Generation Process f. Modified versions of the present invention

[0137] [a. Vehicle lease sales support system] This section describes the vehicle lease sales support system. This description will refer to Figure 1, which shows the system configuration of the vehicle lease sales support system, and Figure 2, which shows the functional configuration of the vehicle sales server.

[0138] (a1. System Configuration) As shown in Figure 1, the car lease sales support system of this embodiment consists of a car sales support server 10 and a partner server 12.

[0139] The car lease sales support server 10 is owned by a car sales company and is used to build, operate, and manage the prescribed car lease sales operations for selling cars to customers under car lease agreements. Multiple car sales support terminals (computer terminals) 16 used by employees of the car sales company to perform car sales operations are connected to the car lease sales server 10 via the company's internal communication system, such as a LAN (Local Area Network).

[0140] The partner server 12 is owned by partner companies, including financial companies such as life insurance companies and securities subsidiaries that partner with the car sales company, and is used to build, operate, and manage predetermined partner services, including insurance products and investment products, for customers. Multiple partner terminals 14 are connected to the partner server 12 via an internal communication system such as a LAN (Local Area Network) or a wide-area communication system such as the Internet. In the case of a life insurance company, the partner terminals 14 are used by employees and employees of insurance agencies, such as financial planners who provide advice and contracts for insurance products, to perform life insurance services. In the case of financial companies such as securities companies, the terminals are used by employees of the financial company to perform financial services, such as providing advice and selling investment products. Although Figure 1 shows only one partner system consisting of the partner server 12 and partner terminals 14, a separate partner system is established for each insurance company or financial company that becomes a partner company.

[0141] The car sales support server 10 works in conjunction with the partner server 12 to execute car sales operations based on car lease agreements.

[0142] Furthermore, the car sales support server 10 is connected to external systems such as the internet, including a customer management system 18, a credit card payment system 20, a non-life insurance system 22, a call center system 24, a leasing company system (leasing company car leasing system) 26, a points-related system 28, a driver monitoring system 30, and a car dealer system 32, which perform the necessary support processing for the car leasing sales operations of the car sales support server 10.

[0143] Here, the customer relationship management system 18 is known as CRM (Customer Relationship Management), which means "customer relationship management" or "customer relationship management." The basic idea of ​​CRM is to accurately understand customer information and use that information to further expand the business, in other words, to maintain and improve good relationships with customers, and it is based on a thorough "customer perspective" and "understanding the value that customers are looking for."

[0144] The credit card payment system 20 is a system in which credit card companies operate the payment processing.

[0145] The non-life insurance system 22 is a system operated by non-life insurance companies that handle voluntary automobile insurance contracts.

[0146] Call Center System 24, also known as CTI (Computer Telephony Integration), is a system that integrates computer systems with telephones and faxes to enhance telephone support operations. It is used in contact center operations where customers are answered by phone. Call Center System 24 links customer databases with telephones, allowing for accurate support by referencing customer profiles, past interaction history, purchase history, and more. Call Center System 24 also includes traditional methods such as making phone calls. In recent years, this has been used in call centers and telemarketing.

[0147] The leasing company system (leasing company car leasing system) 26 is a system operated by a leasing company that operates car leasing, where customers pay a monthly fee to rent a car for a long period of time. The points-related system 28 is a system operated by a company that manages points associated with credit card payments. In addition, if there is a trade-in vehicle, the leasing company system 26 sends information about the trade-in vehicle necessary to determine the trade-in price to the car sales server 10 to request a determination of the trade-in price, and also performs the task of calculating the lease fee based on the determined trade-in price.

[0148] The Driver Monitoring System 30, also known as DMS (Driver Monitoring System), aims to prevent dangerous driving and accidents by monitoring the driver's driving condition using an in-vehicle camera. Furthermore, by combining it with facial recognition, it can be used for theft prevention and operational management by businesses.

[0149] The Car Dealer System 32 is a system operated by authorized car dealers that have signed special dealership agreements with automobile manufacturers. In addition to new car sales, it provides services such as inspections, repairs, and maintenance.

[0150] (a2. Car sales support server) As shown in Figure 2, the car sales support server 10 is a computer device that includes a server control unit 34, a communication control unit 36, a storage unit 38, a display unit 40 such as a display, and an operation unit 42 such as a keyboard and mouse, and is equipped with a CPU, memory, and various input / output ports.

[0151] The server control unit 34 is equipped with the functions of a presentation processing unit 44, a calculation processing unit 46, a customer information list 48, a vehicle lease support processing unit 50, a support management processing unit 112, and support management data 112.

[0152] The communication control unit 36 ​​registers an ID and password that will serve as an account for the partner terminal 14, and in response to a connection request from the insurance terminal 14, it grants authentication by matching the registered account with the transmitted account and establishes a communication connection with the server control unit 34. The storage unit 38 pre-stores presentation information, calculation information, and information and programs necessary for processing by the presentation processing unit 44, calculation processing unit 46, customer information list 48, and car lease support processing unit 50 of the server control unit 34.

[0153] When the presentation processing unit 44 of the server control unit 34 receives a request from a partner terminal 14 for car lease introduction information to address a customer's inquiry, it sends and displays presentation information explaining a new way of owning a car through leasing and asset management.

[0154] The presentation information transmitted from the presentation processing unit 44 to the partner terminal 14 is arbitrary, but in this embodiment, Home screen, Car asset value screen, Car ownership cost screen, Car cost comparison screen, Monthly car cost comparison screen, Cash flow comparison screen, Comparison screen for advantages other than cost, Car leasing and asset management screen, and Presentation end screen, Screen information including this information is transmitted, and each screen can be displayed sequentially by performing a screen transition operation on the insurance terminal 14.

[0155] Therefore, when a representative from a partner company uses the partner terminal 14 to advise a customer on asset building, if the topic of cars comes up during the consultation, they can access the car sales support server 10 to obtain presentation information and explain to the customer "a new way of owning a car through leasing and asset management."

[0156] When the calculation processing unit 46 of the server control unit 34 receives a request for calculation information (simulation information) from the partner terminal 14 that sent the presentation information, it sends and displays calculation information on the screen to help the customer determine the car they want on a trial basis, in line with the new way of owning a car.

[0157] The calculation information transmitted from the calculation processing unit 46 to the partner terminal 14 is arbitrary, but in this embodiment, Trial calculation start screen, Car type selection screen, Screen for selecting the monthly payment amount, Car selection screen, Customer information input screen, and Calculation completion screen, Screen information including this information is transmitted, and each screen can be displayed sequentially by performing a screen transition operation on the insurance terminal 14.

[0158] The customer information list 48 in the server control unit 34 registers customer information when it receives predetermined customer information from a partner terminal 14 that has sent presentation information and calculation information, and the customer wishes to lease a car.

[0159] Therefore, financial planners using the insurance terminal 14 can obtain calculation information following the presentation information and perform a simulation to "trially determine the car that the customer wants in line with the new way of owning a car." If the customer requests a car lease, they can send the customer information to the car sales support server 10, enabling them to efficiently proceed with car leasing operations, including the car lease contract.

[0160] As a result, car sales companies are expected to gain opportunities for selling cars through car leasing by collaborating with partner companies in different industries, including life insurance companies and financial institutions, thereby promoting car sales. In addition, partner companies, including life insurance companies and financial institutions, will be able to promote enrollment in insurance products and investment products for asset building that utilize the difference between cash purchase funds and car lease funds. As a result, it will be possible to create a system in which customers, car sales companies, and partner companies all benefit from car leasing.

[0161] The car lease support processing unit 50 of the server control unit 34 executes car lease operations, including car lease contracts, for customers registered in the customer information list 48, based on the operation processing performed by the person in charge of the car sales company using the car sales support terminal 16.

[0162] Here, the processing tasks of the car lease support processing unit 50 include checking the conditions, conducting a purchase review, and delivering the vehicle. The condition check of the car lease support processing unit 50 includes confirming the desired vehicle model, providing a trade-in price, providing an insurance premium, providing the difference with a loan, and, after integration with life insurance operations, providing the difference if the difference with a loan were invested. This ensures that all the conditions desired by the customer are confirmed, enabling the purchase of a vehicle through a 3-year vehicle replacement lease to proceed smoothly. In checking the conditions of this car lease support processing unit 50, it is linked with the non-life insurance system 22, the car dealer system 32, etc., as shown in Figure 1.

[0163] Furthermore, the purchase screening process of the car lease support processing unit 50 involves linking with the screening forms of each leasing company, providing guidance on credit card payment methods via the credit card payment system 20, and presenting point rewards for credit card payments, thereby enabling the proper and reliable establishment of lease agreements necessary for purchasing a car through a 3-year replacement lease. In the purchase screening process of this car lease support processing unit 50, it is linked with the credit card payment system 20, the point-related system 28, etc., as shown in Figure 1.

[0164] Furthermore, the vehicle lease support processing unit 50 handles vehicle ordering, provides guidance on the process leading up to delivery, and offers maintenance guidance after delivery. For customers who have decided to purchase a vehicle through a 3-year trade-in lease, it ensures the reliable delivery of a new vehicle and provides a maintenance schedule after delivery, enabling worry-free vehicle use. The vehicle lease support processing unit 50's delivery process is linked with the customer management system 18, call center system 24, driver monitoring system 30, etc., as shown in Figure 1.

[0165] Furthermore, when the server control unit 34 of the car sales support server 10 receives customer information from the partner terminal 14 regarding the desire to lease a car, it transmits payment information for a predetermined referral fee to the partner server 12. As a result, partner companies can earn a fee by sending customer information regarding the desire to lease a car to the car sales support server 10. This encourages them to proactively introduce the topic of cars and introduce new ways of owning cars through car leasing during sales of their products or consultations on asset formation, and to provide customer information regarding the desire to lease a car to the car sales support company. Considering the nationwide presence of partner companies, including life insurance companies and financial companies, it is expected that a considerable number of customer information regarding the desire to lease a car will be acquired, and a significant promotion of car sales through car leasing is anticipated.

[0166] Furthermore, the server control unit 34 of the car sales support server 10 transmits payment information for a predetermined commission to the partner server 12 when a car lease contract is concluded based on customer information introduced from the partner terminal 14. As a result, the commission is higher than the referral fee, which increases the benefits received by the partner company. This encourages the partner company to proactively introduce new ways of owning cars through car leasing during sales of their products and consultations on asset formation, thereby increasing the likelihood of successful contracts and significantly boosting car sales through car leasing.

[0167] Furthermore, when the support monitoring processing unit 110 of the car sales support server 10 receives an access request from the partner terminal 14 and transmits and displays car lease introduction information including presentation information and / or calculation information, it creates support management data 112 regarding the usage status of the car lease introduction information, and processes and analyzes the support management data 112 at predetermined unit periods and displays the results on the display unit 40 or the car sales terminal 16.

[0168] Furthermore, the support monitoring processing unit 110 starts a timer when it detects a login from a partner terminal, and each time it detects an event on the partner terminal related to a screen switching operation of presentation information and estimation information composed of multiple screens, it registers the timer value of the timer indicating the start of the screen switching and a predetermined screen code indicating the switched screen in a predetermined event list, and when it detects a logout from the partner terminal, it generates a predetermined support management record based on the event list and adds it to the support management data.

[0169] Furthermore, when the support monitoring processing unit 110 registers a timer value and a screen code in the event list, it calculates the screen access time of the previous switching screen as the difference between that value and the timer value indicating the start time of the switching screen of the previous event, and registers it in the event list. When it detects that the partner terminal has logged out, it calculates the access time by summing the screen access times of the events and registers it in the event list.

[0170] Furthermore, the support monitoring processing unit 110 generates a support management record based on the event list, which includes the partner company name, login ID, password, login time, logout time, access time, usage history showing screen transitions for presentation information, usage history showing screen transitions for trial information, and whether or not customer information was acquired, and adds it to the support management data.

[0171] Furthermore, the support management processing unit 110 processes and analyzes the support management data, generating aggregated data at predetermined intervals based on the support management data 112. The content of the aggregated data is arbitrary, but may include, for example, the names of partner companies, the number of accesses, the total access time, the average access time, and the number of customer information acquisitions.

[0172] Furthermore, the support management processing unit 110 generates aggregated data, including daily aggregated data, weekly aggregated data, weekly aggregated data by day of the week, monthly aggregated data, and yearly aggregated data. In addition, the support management processing unit 110 displays the generated aggregated data in tabular or graphical format.

[0173] Furthermore, the support management processing unit 110 generates and displays a screen transition graph showing the screen access time for switching screens from login to logout, based on the event list.

[0174] (a3. Control Processing) Next, we will explain the control processing of the car sales support server. In this explanation, please refer to Figure 3, which is a flowchart showing the processing of the car sales server; Figure 4, which is a flowchart showing the details of the presentation information transmission process in Figure 3; and Figure 5, which is a flowchart showing the details of the calculation information transmission process in Figure 3.

[0175] As shown in Figure 3, the car sales server 10 performs a predetermined initialization process upon server startup (step S1), and then, upon receiving a connection request using an account from the partner terminal 14 (step S2, Yes), it authenticates the account, and if authentication is successful (step S3, Yes), it sets access permissions for the partner terminal 14 (step S4).

[0176] Next, when the car sales server 10 receives a request from the partner terminal 14 to send presentation information (Yes in step S5), it sends the presentation information to the partner terminal 14 (step S6), making the presentation information viewable on the partner terminal 14.

[0177] Next, when the car sales server 10 receives a request from the partner terminal 14 to send calculation information (Yes in step S7), it sends the calculation information to the partner terminal 14 (step S8), making the calculation information viewable on the partner terminal 14.

[0178] Next, when the car sales server 10 receives customer information from the partner terminal 14 that sent the presentation information and calculation information (Yes in step S9), it registers the customer information in the customer information list 48 (step S10).

[0179] Subsequently, the vehicle sales server 10 reads customer information from the customer information list 48 based on the operation of the vehicle sales support terminal 16 (step S11), and performs vehicle lease contract processing (step S12). The vehicle lease contract processing is to perform condition confirmation, purchase examination, and vehicle delivery by the vehicle lease support processing unit 50 described above.

[0180] In the presentation information transmission process shown in FIG. 4, the home screen, vehicle asset value screen, vehicle holding cost screen, vehicle cost comparison screen, monthly vehicle cost comparison screen, cash flow comparison screen, advantages comparison screen other than cost, vehicle lease and asset operation screen, and presentation end screen are transmitted based on the screen transition operation and displayed on the partner terminal 14 (steps S21 to S29).

[0181] In the trial calculation information transmission process shown in FIG. 5, the trial calculation start screen, vehicle type selection screen, selectable monthly payment amount screen, vehicle selection screen, customer information input screen, and trial calculation end screen are transmitted based on the screen transition operation and displayed on the partner terminal 14 (steps S31 to S36).

[0182] [b. Presentation Information] Next, the presentation information will be described.

[0183] (b1. Home Screen) First, the home screen will be described. For this description, refer to FIG. 6 showing the home screen.

[0184] As shown in FIG. 6, on the home screen 54, a title message "We will guide you on how to own a new car without incurring losses" is displayed, and also, a menu selection button 56 for presentation information marked "Let's listen" and a menu selection button 58 for trial calculation information marked "Automatically diagnose the car suitable for you" are arranged. Therefore, it is possible to strongly draw out the interest of customers viewing the home screen 54 on the partner terminal 14 in the "way to own a new car without incurring losses" described in the title.

[0185] (b2. Car asset value screen) Next, we will explain the car's asset value screen. For this explanation, please refer to Figure 7, which shows the car's asset value screen.

[0186] As shown in Figure 7, the car asset value screen 60 is titled "Cars are an expensive purchase!" followed by a question-and-answer format explanation. The question-and-answer format explanation includes the question "Q (Question) Do you think a car is an asset for household finances?", with the answer choices "[1] Yes [2] No [3] I don't know", and the correct answer is "A (Answer) No", with "When you consider trading it in, its asset value is almost zero".

[0187] In addition to this question-and-answer format message, a graph showing the depreciation curve of a car's asset value is displayed, along with the message explaining the graph: "By the time you finish using it, its asset value will be almost zero; the cost of purchase will simply be amortized."

[0188] The graph shows asset value with the horizontal axis representing years and the vertical axis representing a percentage. For passenger cars A, B, and C, the line graphs show the estimated value decreasing with age. Additionally, a curve D representing vehicle maintenance costs that increase with age is also shown.

[0189] By viewing a screen like this (60) showing the estimated value of a car, it becomes possible to properly help customers understand that a car is not an asset.

[0190] Additionally, a "Next" button 62 and a "Back" button 64 are located at the bottom of the screen. Pressing the "Next" button 62 will take you to the next screen, and pressing the "Back" button 64 will take you to the previous screen. The placement and function of the "Next" button 62 and the "Back" button 64 are the same for the other screens described below.

[0191] (b3. Car ownership cost screen) Next, we will explain the car ownership cost screen. For this explanation, please refer to Figure 8, which shows the car ownership cost screen, and Figure 9, which shows the graph from Figure 8.

[0192] As shown in Figure 8, the car ownership costs screen 66 is titled "Taxes & Maintenance!" followed by a question-and-answer format explanation. This explanation includes the question, "Q: How much will it cost to own a car over 10 years?", with the following answer choices: "[1] Less than 500,000 yen [2] Less than 1,000,000 yen [3] 1,000,000 yen or more [4] Don't know", and the correct answer is "A: 1,000,000 yen or more".

[0193] Next, as an explanation of the cost contents, under the title "Taxes, Vehicle Inspections, Maintenance, and Hidden Costs," the details of the cost contents are listed as "Costs related to car ownership," "Weight tax (at vehicle inspection), breakdown repair costs (after manufacturer's warranty expires), vehicle inspection and maintenance costs (first time at 3 years, then every 2 years), battery replacement (approximately every 3 years), tire replacement (approximately every 40,000 km), automobile tax (annually), statutory 12-month inspection (every year), scheduled inspection (every 6 months), oil change (every 5,000 km), oil filter replacement (every year), wiper replacement (as needed)." Note that "vehicle inspection and maintenance costs (first time at 3 years, then every 2 years)" actually means "vehicle inspection and maintenance costs (first time at 3 years, then every 2 years thereafter)."

[0194] Next, a graph showing the annual total cost of owning a car for 10 years is presented, accompanied by the caption, "Unexpected expenses can be quite stressful, but they are unavoidable costs as long as you own a car..." and the message regarding the 10-year cost by car type: "Approximately 1 million yen for a kei car, approximately 1.5 million yen for a 1500cc car, and approximately 1.7 million yen for a 2000cc car."

[0195] The graph in Figure 8, as shown in an enlarged view in Figure 9, is a bar graph showing the annual trend of ownership costs for 1800cc passenger cars, combining taxes and maintenance costs for each year.

[0196] Such a car ownership cost screen 66 makes it possible to help customers understand that the costs incurred over a 10-year period may exceed their expectations.

[0197] (b4. Car cost comparison screen) Next, we will explain the car cost comparison screen. For this explanation, please refer to Figure 10, which shows the car cost comparison screen.

[0198] As shown in Figure 10, the car cost comparison screen 68 is titled "The difference is this big!?" followed by a question-and-answer format explanation. The question-and-answer format explanation asks, "Q (Question) What is the most cost-effective way to buy a car?" and presents the following as multiple-choice answers: "[1] Loan purchase [2] Cash purchase [3] Car lease [4] I don't know," with "A (Answer) Car lease" being presented as the correct answer.

[0199] Next, as the reason for the correct answer, it states, "Just changing how you buy a car makes a big difference," followed by the 10-year cost breakdown: "Loan purchase: 6 million yen, Cash purchase: 5.6 million yen, New way of owning a car (3-year trade-in lease): 4.8 million yen," and the message "This is how much difference there is if you own a car for 10 years. A car lease where you trade in your car every 3 years is the new way of owning a car!" is displayed.

[0200] This 10-year cost comparison screen 68 makes it easy for customers to understand that car leasing is more cost-effective than purchasing with a loan or cash.

[0201] (b5. Monthly car cost comparison screen) Next, we will explain the monthly car cost comparison screen. For this explanation, please refer to Figure 11, which shows the monthly car cost comparison screen.

[0202] As shown in FIG. 11, on the monthly vehicle cost comparison screen 70, as a presentation of the issue, "Of course, the cost when buying a car is important", "However, if you don't also consider the cost after buying, you will keep paying unnecessary money...", and then "I will explain in detail why such a large difference occurs" are displayed, and "It changes so much depending on how you drive! Let's specifically look at the difference in monthly costs" is presented with specific examples such as "Residual value setting: 3-year loan 73,000 yen, Purchase (loan payment) 54,000 yen, All cash payment 48,000 yen, New way of driving (3-year lease replacement) 46,000 yen" as the 10-year maintenance cost of a vehicle priced at 4.6 million yen.

[0203] Through such a monthly vehicle cost comparison screen 70, it becomes possible for customers to easily understand that in terms of monthly costs, leasing can keep costs down compared to loan purchases or cash purchases.

[0204] (b6. Cash flow comparison screen) Next, the cash flow comparison screen will be explained. For this explanation, refer to FIG. 12 showing the cash flow comparison screen.

[0205] As shown in FIG. 12, on the cash flow comparison screen 72, following the titles "It changes so much depending on how you drive!" and "Let's specifically look at the difference in cash flow", as the reasons, "[A] In the case of purchase (loan) (1) A lump sum of money such as various fees at the time of purchase is required. (2) Payment of various taxes is required. (3) Fees such as vehicle inspections and various maintenance are required each time.", "[B] In the case of lease (1) Payments are constant from start to end. (2) There are no sudden expenses such as annual automobile taxes and vehicle inspections. (3) Maintenance required during the contract period is also included, so you can feel at ease." are displayed.

[0206] Through such a cash flow comparison screen 72, it becomes possible for customers to specifically understand the cash flow (cash out flow) that is advantageous in the case of lease.

[0207] (b7. Comparison screen other than cost) Next, we will explain the comparison screen other than cost. For this explanation, please refer to Figure 13, which shows the comparison screen other than cost, and Figure 14, which shows the graph from Figure 13.

[0208] As shown in Figure 13, the comparison screen 74, excluding cost, displays the titles "How much it changes depending on how you drive!" and "A concrete look at the difference in safety," followed by the explanation, "With the new way of driving (3-year replacement lease), you can gain a lot more than just cost!" and the message explaining the comparison: "[A] In the case of purchase (loan): Safety performance decreases (relatively declining as the safety performance of new vehicles improves) Fuel efficiency and environmental performance decreases (relatively declining as the fuel efficiency of new vehicles improves)," and "[B] In the case of the new way of driving (3-year replacement lease): You get the latest advanced safety features and fuel efficiency because you switch to a new car regularly (every 3 years) Tires are also new every 3 years, making it even safer and more secure."

[0209] Furthermore, as shown in the graph in Figure 14, which is an enlarged version extracted from Figure 13, the "accident reduction effect of advanced safety features" is shown as a bar graph for the number of accidents per 10,000 vehicles for A (no safety features), B (safety features ver.1), and C (safety features ver.2), broken down by traffic accidents, vehicle-to-vehicle accidents, rear-end collisions, and pedestrian accidents. As is clear from this graph, the number of accidents is significantly reduced when safety features are installed compared to when they are not.

[0210] This type of comparison screen (74), which shows factors other than cost, makes it possible to properly help customers understand that car leasing offers many benefits beyond just cost savings.

[0211] (b8. Car leasing and asset management screen) Next, we will explain the car leasing and asset management screens. For this explanation, please refer to Figure 15, which shows the car leasing and asset management screens, and Figure 16, which shows a graph extracted from Figure 15.

[0212] As shown in Figure 15, the car lease and asset management screen 76 displays the title "Graduate from driving cars until they're worn out and become an overwhelming winner with leasing and asset management!", followed by a message showing a future scenario: "Things change so much in 10 years: Loan purchase (driving the same car for 10 years) 6 million yen, Cash purchase (driving the same car for 10 years) 5.6 million yen, New way of driving (3-year lease) 4.8 million yen." In addition, it displays a graph with the content: "In the case of a loan, if you are considering a loan, you can build assets by leasing instead," and "Invest the difference of 58,000 yen between the monthly loan payment of 98,000 yen and the monthly lease payment of 40,000 yen, and build assets of 3.9 million yen in 5 years (selecting an investment return of 5%)." It also displays an image with the content: "In the case of a cash purchase, if you have funds on hand, your future will change depending on how you use them. If you buy a car with 5.6 million yen on hand, its asset value will be almost 0 yen in 10 years. If you invest it for 10 years, you will build assets of 7.7 million yen. Will you still use your funds on a car?"

[0213] Furthermore, the graph shown in Figure 16, which is an enlarged version of Figure 15, shows the "difference of 58,000 yen" based on a list of monthly loan and lease payments, maintenance costs, and totals. It also shows a line of asset growth with the number of years on the horizontal axis and the asset amount on the vertical axis, assuming that 58,000 yen is saved and invested each month.

[0214] This 10-year car lease and asset management screen (screen 76) makes it possible to fully understand the future benefits of "leasing and asset management" for customers.

[0215] (b9. Presentation End Screen) Next, we will explain the presentation end screen. For this explanation, please refer to Figure 17, which shows the presentation end screen.

[0216] As shown in Figure 17, the presentation end screen 78 displays the message, "We have introduced you to a new way of owning a car that will not result in losses," and also features menu selection buttons 56 for presentation information and 58 for calculation information.

[0217] This presentation completion screen 78 confirms that, as a result of the series of screen transitions, the customer fully understands that the "3-year trade-in lease" is a "new way to own a car that won't cost you money." Furthermore, if the customer wishes to review any screens again, they can return to the home screen 54 by operating the menu selection button 56 for the presentation information and then transition to the necessary screen via screen transitions. In addition, if the customer requests it, they can switch to the calculation information screen by operating the menu selection button 58 for the calculation information.

[0218] [c. Estimated Information] Next, I will explain the calculation information (simulation information).

[0219] (c1. Trial calculation start screen) First, let's explain the calculation start screen. For this explanation, please refer to Figure 18, which shows the calculation start screen.

[0220] As shown in Figure 18, the calculation start screen 80 displays messages such as "A new way to own a car," "Just answer two questions," and "We will suggest the best way to own a car for you," and has a start button 82 and a home button 84. Such a calculation start screen makes it possible to generate strong interest and engagement in calculating the cost of acquiring the car the customer wants to own through leasing.

[0221] (c2. Vehicle type selection screen) Next, we will explain the vehicle type selection screen. For this explanation, please refer to Figure 19, which shows the vehicle type selection screen.

[0222] As shown in Figure 19, the car type selection screen 86 displays the message "(1) Please select a car type" following "A suggestion for a new way of owning a car" and "STEP 1," and also displays selection buttons for Kei car, compact car, minivan, SUV, and other.

[0223] Additionally, a "Next" button (88) and a "Back" button (90) are located at the bottom of the screen. Pressing the "Next" button (88) will take you to the next screen, and pressing the "Back" button (90) will take you to the previous screen. The placement of the "Next" button (88) and the "Back" button (90) will be the same for the other screens described below.

[0224] (c3. Screen for selecting monthly payment amount) Next, we will explain the screen for selecting the monthly payment amount. For this explanation, please refer to Figure 20, which shows the screen for selecting the monthly payment amount.

[0225] As shown in Figure 20, the monthly payment amount selection screen 92 displays the message "(2) Please select the amount you can pay each month" following "A suggestion for a new way of owning a car" and "STEP 2," and also features buttons for selecting amounts: up to 5,000 yen, up to 10,000 yen, up to 15,000 yen, up to 20,000 yen, 20,000 yen or more, and Unknown.

[0226] This monthly payment selection screen 92 allows customers to set their monthly payment amount, thereby setting the selection criteria for vehicles eligible for a 3-year replacement lease that correspond to that monthly payment.

[0227] (c4. Car selection screen) Next, we will explain the car selection screen. For this explanation, please refer to Figures 21 and 22, which show the car selection screen.

[0228] As shown in Figure 21, the car selection screen 94 displays "Suggestions for a New Way of Owning a Car" and "Recommended Car Models for You," followed by "Car Model Selection Information," which includes a photo of the car model, its name, new car price, evaluation information (cost, safety performance, fuel efficiency / environment), and selection buttons, all of which can be updated and selected. When any of the selection buttons for the car model selection information is operated, for example, when the selection button for the leftmost car model is operated, "A New Way of Owning a Car: 3-Year Lease with 4 Car Exchanges" and "Monthly Payment of 38,000 Yen" are displayed. Furthermore, when the update button 95 is operated, the following three cars are displayed.

[0229] Next, under the heading "What is a new way to own a car? Cost of car ownership, 10-year cost comparison, safety performance," the content for each section is displayed from the bottom of Figure 21 to Figure 22, showing "The reason..." and "The attractive benefits of leasing." Furthermore, for light passenger cars, the recommended method is to "lease a new car every 5 years."

[0230] Here, under "The reason is...", the following reasons are listed in five circular boxes: "No vehicle inspection fees required," "No tire or battery replacement required," "Breakdowns are covered by the manufacturer's warranty, so you can rest assured," "You can get a new car discount on your car insurance," and "The residual value can be set high, resulting in lower payments."

[0231] Furthermore, the "attractive benefits of leasing" are listed in five rectangular boxes, including: "You can always drive a safe and secure car equipped with the latest advanced safety features," "You can reduce gasoline expenses because the car has the latest environmental performance," "You can drive at a premium price that is easy on your wallet by minimizing ownership costs," "You can drive a stress-free life with a stable household budget without the sudden expenses of maintaining a car every year," and "You can drive a higher-class car for the same budget if you choose the car wisely."

[0232] Finally, a customer information input button 96 and a back button 90 are placed, and when the customer information input button 96 is pressed, the user transitions to the next customer information input screen.

[0233] This car selection screen 94 specifically lists new cars eligible for a 3-year trade-in lease, up to the customer's monthly payment limit. This allows the customer to easily select the new car they want, and the monthly payment is displayed based on their selection, which can increase customer satisfaction.

[0234] (c5. Customer Information Input Screen) Next, we will explain the customer information input screen. For this explanation, please refer to Figure 23, which shows the customer information input screen.

[0235] As shown in Figure 23, the customer information input screen 98 displays "We propose a new way of owning a car," "We support your car purchase," and "We support your purchase of a car that meets your needs based on the simulation results," followed by "Please enter your customer information." This screen then displays input fields for the customer's full name, address, phone number, email address, date of birth, and sales representative, as well as a submit button 100.

[0236] This customer information input screen 98 transmits the customer's personal information along with the customer's calculation results to the car sales support server 10, enabling support for the purchase (lease) of a car through a 3-year replacement lease that meets the customer's wishes.

[0237] (c6. Calculation completion screen) Next, we will explain the calculation completion screen. For this explanation, please refer to Figure 24, which shows the calculation completion screen.

[0238] As shown in Figure 24, the calculation completion screen 102 displays the messages, "Your customer information has been sent," and "We will support you in purchasing the best car for you." Additionally, a button 104 for asset building guidance is displayed, allowing access to asset building services provided by partner companies, including life insurance companies and financial institutions, through the partner server 12.

[0239] This calculation completion screen 102 allows the customer to confidently await the next step: purchasing their desired car through a 3-year trade-in lease.

[0240] (c7. Other embodiments of the customer information input screen) Next, another embodiment of the customer information input screen shown in Figure 23 will be described. In this description, refer to Figure 25, which shows another embodiment of the customer information input screen.

[0241] As shown in Figure 25, in another embodiment, the customer information input screen 99 displays "We propose a new way of owning a car," "We will support you in purchasing a car," and "We will support you in purchasing a car that meets your needs based on the simulation results," followed by "Please take a picture of your driver's license with the camera on your mobile device and send it," and then the explanation "Please take a picture of the QR code with your mobile phone camera, access the displayed webpage, and download the photo submission application" is followed by the display of the QR code.

[0242] With this customer information input screen 99, customer information input becomes a simple operation in which the customer takes a picture of a 2D barcode with their mobile phone camera, downloads a photo transmission application from the web page of the car sales server 10, takes a picture of their driver's license with their mobile phone camera, and sends it to the car sales support server 10, eliminating the need to input information into the input fields on the customer information input screen 98 shown in Figure 23.

[0243] Furthermore, the car sales support server 10, upon receiving a photograph of the customer's driver's license sent from the customer's mobile phone, automatically reads the photograph of the driver's license to obtain the customer's name, address, and other specified personal information, and registers it in the customer information list 48, thereby preventing errors in entering customer information.

[0244] [d. Trade-in price proposal screen] Next, we will explain the trade-in price proposal screen provided by the car lease support processing unit 50 located in the server control unit 34 of the car sales support server 10 shown in Figure 2. For this explanation, please refer to Figure 26, which shows the trade-in price proposal screen.

[0245] When a customer requests to trade in their current vehicle, the car sales support server 10 sends the trade-in price proposal screen 110 shown in Figure 26 to the leasing company system 26 for display.

[0246] The trade-in price proposal screen 106 displays the title "We will propose a trade-in price for your car," followed by the message "Please take a picture of the following with your mobile phone's camera," then it shows "Vehicle registration certificate," "Exterior of the car," and "Interior of the car" as the items to photograph, and then it displays the instructions "Take a picture of the QR code with your mobile phone's camera, access the displayed webpage, and download the photo submission application," followed by the display of the QR code.

[0247] With this trade-in price proposal screen 106, the customer takes a picture of a QR code with their mobile phone camera, downloads a photo transmission application from the web page of the car sales server 10, and takes pictures of the vehicle registration certificate, the car's exterior, and the car's interior with their mobile phone camera and sends them to the car sales support server 10.

[0248] Furthermore, the car sales support server 10, which receives images of the vehicle registration certificate, the car's exterior, and the car's interior sent from the customer's mobile phone, allows the person in charge at the car sales support terminal 16 to view the received images. This enables the person in charge to accurately understand the condition of the vehicle to be traded in, as if they had seen it directly, determine an appropriate trade-in price, and transmit it to the leasing company system 26.

[0249] [e. Support Management Processing] Next, we will explain in detail the functions of the support management processing unit 110 located in the server control unit 34 of the car sales support server 10 shown in Figure 2.

[0250] (e1. Login screen) First, we will explain the login screen for accessing the car sales support server 10 from the partner terminal 14. For this explanation, please refer to Figure 27, which shows the login screen of the partner terminal.

[0251] When a partner terminal 14 connects to the car sales support server 10 by specifying a URL, the car sales support server 10 sends and displays the login screen 114 shown in Figure 27 to the partner terminal 14. The login screen 114 is provided with a login ID input window 118 and a password input window 120, and the person in charge at the partner company enters the login ID and password that were registered in advance.

[0252] Next, radio buttons are provided for selecting customer support 122 and training 124. The purpose of accessing the vehicle sales support server 10 from the partner terminal 14 is twofold: customer support, where the representative shows the customer vehicle lease information including presentation information and trial information, and training, where the representative views the information in preparation for introducing and explaining the vehicle lease information to the customer. The support management processing unit 110 generates support management data 112 only in the case of customer support, and does not generate support management data 112 in the case of training, thereby avoiding the generation of unnecessary data.

[0253] Therefore, to allow the person in charge to choose between customer support and training on the login screen 114, a customer support selection button 122 and a training selection button 124 are provided. By default, the customer support selection button 122 is pre-selected, and if training is selected, the training selection button 124 is clicked to select it. Alternatively, there may be no default, and the user may choose either the customer support selection button 122 or the training selection button 124.

[0254] A login button 126 is provided at the bottom of the login screen 114. When the person in charge enters their login ID and password, selects either customer support or training, and operates the login button 126, the login information is sent to the vehicle sales support server 10, allowing them to view vehicle lease information, including presentation information and trial information. If customer support is selected, support management data 112 is generated.

[0255] (e2. Event List) Next, we will explain the event list. In this explanation, please refer to Figure 28, which shows the event list created for each request for car lease information from a partner terminal, and Figure 29, which shows the event list when a user logs off during the screen switching for car lease information.

[0256] The support monitoring processing unit 110 of the car sales support server 10 shown in Figure 2 receives an access request from the partner terminal 14 and transmits and displays car lease introduction information including presentation information and / or calculation information. In this case, it creates support management data 112 regarding the usage status of the car lease introduction information, and processes and analyzes the support management data 112 at predetermined unit intervals and displays the results on the display unit 40 or the car sales terminal 16.

[0257] Furthermore, in order to generate support management data 112, the support monitoring processing unit 110 activates a software-operated timer when it detects a login via the login screen 114 shown in Figure 27 on the partner terminal 14, and generates an event list 130 shown in Figure 23 each time it detects an event on the partner terminal 14 associated with screen switching operations for presentation information and calculation information composed of multiple screens.

[0258] The format of event list 130 is arbitrary, but for example, it consists of a header 132 and a data section 134. The header 132 registers the partner company, ID, and password based on the login information, and also registers the login time and logout time at each respective time.

[0259] The data section 134 contains timer values, events, screen codes, and screen access times. The timer value is the timer value (in seconds, for example) of a timer that is activated when login is detected on the partner terminal 14. Timer value T0 is registered when logging in, and timer value T16 is registered when logging out. In addition, between login and logout, timer values ​​T1 to T15 are registered, indicating the start time of the switching screen.

[0260] The event registers information such as the screen name, which is the information of the switching screens for presentation information and trial information that occurred between login and logout. The screen code registers the screen code set for each screen of the presentation information and trial information. In this embodiment, screen codes PL1 to PL9 are set for the presentation information screens shown in Figures 6 to 17, and screen codes SU1 to SU6 are set for the trial information screens shown in Figures 16 to 24.

[0261] Furthermore, screen access time is the time during which the switched screen is displayed, and is calculated by subtracting the timer value at the start of the previous event from the timer value at the start of the current event. For example, the screen access time ΔT1 for screen code PL1 is calculated as ΔT1 = T1 - T0, which is obtained by subtracting the timer value T0 at the time of the previous login from the timer value T1 at the time of the current screen switch.

[0262] Furthermore, for screen access time corresponding to logout, the total access time of screen access times ΔT1 to ΔT15 registered from login to logout is calculated and registered after logout.

[0263] Here, the event list 130 in Figure 28 shows the case where the partner terminal 14 sequentially switches and displays all the gift information and trial information screens. However, in reality, users may return to the previous screen midway through, or log out before switching to all screens. The event list 130 is registered according to the actual screen switching situation.

[0264] Event list 130 in Figure 29 shows the case where the user logs out after switching to display all presentation information screens, without switching back to the calculation information screen.

[0265] (e3. Screen transition graph) Next, we will explain the screen transition graph that is generated and displayed based on the event list. For this explanation, please refer to Figure 30, which shows the screen transition graph generated based on the event list.

[0266] As shown in Figure 30, the screen transition graph 136 has the screen codes PL1-P9 for presentation information and SU1-SU6 for trial information that are switched from login to logout on the horizontal axis, and the screen access time (minutes) on the vertical axis. Based on the event list shown in Figure 28, for example, the intersections of the screen codes and screen access times are plotted and connected as a line graph. The total access time in the screen transition graph 136 shown in Figure 30 is approximately 45 minutes.

[0267] By displaying this screen transition graph 136 on a car sales support terminal 16, for example, a representative of a car sales company can easily and visually grasp how much time is spent explaining each screen to a customer on the partner terminal 14.

[0268] (e4. Support Management Data) Next, the support management data generated by the support management processing unit 110 will be described. For this description, please refer to Figure 31, which shows the support management data.

[0269] As shown in Figure 31, the support management data 112 is generated as data indicating usage status based on the viewing of vehicle lease information by the partner terminal 14. The configuration of the support management data 112 is arbitrary, but for example it may consist of the partner company name, login ID, password, login time (month, day, hour, minute: MMDDHHmm), logout time (month, day, hour, minute: MMDDHHmm), access time (minutes), usage history of presentation information, usage history of trial information, and whether or not customer information was acquired.

[0270] Specifically, the support management data 112 receives login data from the partner terminal 14, and if a logout is subsequently detected, it generates a support management record based on the event list 130 shown in Figure 28, which is registered then. This record consists of the partner company name, login ID, password, login time (year, month, day, hour, minute), logout time (year, month, day, hour, minute), access time (minutes), presentation information usage history, trial information usage history, and customer information acquisition, and adds this record to the support management data 112.

[0271] Here, "logout time" includes not only the time of logoff by the partner terminal 14, but also the time of session termination when the vehicle lease information display screen is closed without logging off. "Access time" is the time obtained by subtracting the login time from the logout time, and is expressed in minutes.

[0272] Furthermore, since the aforementioned presentation information consists of nine screens, the "Presentation Information Usage History" displays the screen codes of the viewed screens using the screen codes attached to them, for example, "PL12345". If all screens have been viewed, it displays "all". If no screens were viewed, it is left blank with "---". The same applies to the "Calculation Information History," where the screen codes attached to the screens are used to display the screen codes of the viewed screens, for example, "SU123". If all screens have been viewed, it displays "all". If no screens were viewed, it is left blank with "---".

[0273] Furthermore, "customer information acquisition" refers to the case where customer information is entered into the customer information input screen 98 shown in Figure 23, transmitted from the partner terminal 14 to the car sales server 10, and registered as customer information in the customer information list 48. This is positioned as an outcome (successful example) of the car lease introduction work performed by the person in charge using the partner terminal 14.

[0274] Furthermore, the support management processing unit 110 generates processed data such as company-specific daily aggregate data, weekly aggregate data, company-specific weekly aggregate data, company-specific monthly aggregate data, and company-specific yearly aggregate data based on the support management data generated in Figure 31, and makes it possible to display the aggregate data required by the car sales support server 10 and the car sales support terminal 16 by specifying the period.

[0275] (e5. Daily aggregated data by company) Next, we will explain the company-specific daily aggregate data and the company-specific daily customer information acquisition rate pie chart generated by the support management processing unit 110. For this explanation, please refer to Figure 32, which shows the company-specific daily aggregate data and the company-specific daily customer information acquisition rate pie chart generated from the support management data. Figure 32(A) shows the company-specific daily aggregate data, and Figure 32(B) shows the company-specific daily customer information acquisition rate pie chart.

[0276] As shown in Figure 32(A), the daily aggregated data by company 142 uses, for example, four partner companies A to D, and shows the total daily values ​​for the number of accesses, access time, and number of customer information retrieved for each company. In addition, the average access time (minutes) is calculated and shown as the average access time per access.

[0277] By looking at this daily aggregate data by company (142), for example, it becomes possible to evaluate Company C as having the highest number of accesses and the highest number of customer information acquisitions, indicating that its performance in car lease referral services is higher than that of other companies.

[0278] Figure 32(B) is a pie chart showing the daily customer information acquisition rate by company (144), allowing for a quick overview of each company's share of customer information acquisition, which is a key outcome of their car lease referral business. For example, Company C has the highest customer information acquisition rate, making it possible to evaluate its performance in car lease referral business as being higher than other companies.

[0279] Furthermore, the pie chart may also display other metrics besides the percentage of customer information acquired, such as the number of accesses and access time. Alternatively, a bar graph may be used for comparison instead of a pie chart.

[0280] (e6. Weekly summary data) Next, the weekly summary data and weekly customer information acquisition graph generated by the support management processing unit 110 will be explained. In this explanation, refer to Figure 33, which shows the weekly summary data and weekly customer information acquisition graph generated from the support management data. Figure 33(A) shows the weekly summary data, and Figure 33(B) shows the weekly customer information acquisition graph.

[0281] As shown in Figure 33(A), the weekly summary data 146 uses Company A as an example, and aggregates the number of accesses, access time, average access time, and number of customer information retrieved for each day of the week, for example, from December 2nd to December 8th, 2025. Note that there is no data for Saturdays and Sundays as they are holidays.

[0282] Furthermore, Figure 33(B) shows the weekly customer information acquisition graph 148, with the number of customer information acquired per day of the week shown as a bar graph and the total number acquired as a line graph.

[0283] By examining this weekly summary data 146 and the weekly customer information acquisition graph 148, we can see an increase in the number of customers acquired as a result of the car lease referral business at the beginning and end of the week. For example, providing this feedback to partner companies can contribute to encouraging the car lease referral business.

[0284] Furthermore, the graph in Figure 33(B) may also display other metrics such as the number of accesses and access time, in addition to the customer information acquisition rate.

[0285] (e7. Weekly aggregate data by company) Next, we will explain the weekly aggregate data by company and the pie chart of the weekly customer information acquisition rate by company, which are generated by the support management processing unit 110. For this explanation, please refer to Figure 34, which shows the weekly aggregate data by company and the pie chart of the weekly customer information acquisition rate by company, which are generated from the support management data. Figure 34(A) shows the weekly aggregate data by company, and Figure 34(B) shows the pie chart of the weekly customer information acquisition rate by company.

[0286] As shown in Figure 34(A), the weekly aggregate data 150 by company shows the total weekly values ​​for the number of accesses, access time, and number of customer information retrieved for four partner companies, A to D. In addition, the average access time (minutes) is calculated and shown as the average access time per access.

[0287] By examining this weekly aggregate data for each company (150 entries), we can see that Company C has the highest number of accesses and the highest number of customer information acquisitions, indicating that its performance in the car lease referral business is superior to that of other companies.

[0288] Figure 34(B) is a pie chart showing the daily customer information acquisition rate by company (152). It allows for a quick overview of the percentage of customer information acquired by each company, which is a result of the car lease referral business. Company C has the highest customer information acquisition rate, and it can be evaluated that its performance in the car lease referral business is higher than that of other companies.

[0289] Furthermore, the pie chart may also display other metrics besides the percentage of customer information acquired, such as the number of accesses and access time. Alternatively, a bar graph may be used for comparison instead of a pie chart.

[0290] (e8. Monthly aggregated data by company) Next, we will explain the monthly aggregate data by company and the pie chart of the monthly customer information acquisition rate by company, which are generated by the support management processing unit 110. For this explanation, please refer to Figure 35, which shows the monthly aggregate data by company and the pie chart of the monthly customer information acquisition rate by company, which are generated from the support management data. Figure 35(A) shows the monthly aggregate data by company, and Figure 35(B) shows the pie chart of the monthly customer information acquisition rate by company.

[0291] As shown in Figure 35(A), the monthly aggregate data 154 by company shows the total monthly values ​​for the number of accesses, access time, and number of customer information retrieved for four partner companies, A to D. In addition, the average access time (minutes) is calculated and shown as the average access time per access.

[0292] Figure 35(B) is a pie chart showing the monthly customer information acquisition rate by company (156), allowing for a quick overview of the proportion of customer information acquired by each company, which represents the success of the car lease referral business.

[0293] By examining the pie charts of this company-specific monthly aggregate data (154) and company-specific monthly customer information acquisition rate (156), it can be concluded that Company C has the highest number of accesses and the highest number of customer information acquisitions, indicating that its performance in car lease referral services is superior to that of other companies. Furthermore, despite having the fewest accesses, Company D has the second highest number of customer information acquisitions, suggesting that it is efficiently conducting its car lease referral services and achieving results. On the other hand, despite having the highest number of accesses, Company A ranks third in customer information acquisitions, highlighting the need for improvement in its car lease referral services.

[0294] Furthermore, the pie chart may also display other metrics besides the customer information acquisition rate, such as the number of accesses and access time, or a bar graph may be used for comparison instead of a pie chart. Similarly, graphs showing company-specific annual aggregate data and company-specific annual customer information acquisition rates may be generated and displayed. In addition, the aforementioned company-specific daily aggregate data 142, company-specific weekly aggregate data 150, company-specific monthly aggregate data 154, and company-specific annual aggregate data may each include a "number of contracts" column indicating the number of cars purchased through car lease agreements.

[0295] (e9. Support Management Processing) Next, the operation of the support management processing unit 110 will be described. For this explanation, please refer to Figure 36, which is a flowchart illustrating the support management processing.

[0296] As shown in Figure 36, the support management processing unit 110 of the car sales support server 10 determines that it has received login data from the partner terminal 14 (Yes in step S41), and when it determines that it is a customer interaction (Yes in step S42), it generates a new support management record and processes support management data to be added to the support management data 112 shown in Figure 3 when the partner terminal 14 logs out (step S43).

[0297] Next, after determining the timing for creating the daily aggregate data, the company-specific daily aggregate data 132 shown in Figure 29 is created (steps S44, S45). Subsequently, after determining the timing for creating the weekly data, the weekly aggregate data 136 shown in Figure 33 is generated for each partner company, and the company-specific weekly aggregate data 140 shown in Figure 34 is created (steps S46, S47).

[0298] Next, when the timing for creating monthly aggregate data is determined, the company-specific monthly aggregate data 140 shown in Figure 35 is created (steps S48, S49). Subsequently, when the timing for creating annual aggregate data is determined, the company-specific annual aggregate data is created (steps S50, S51). If it is not the timing for creating any of the aggregate data, the process returns to step S41, waits for the next login data to be received, and repeats the same process.

[0299] (e.10 Support Management Data Generation Process) Next, the support management data generation process will be explained. In this explanation, please refer to Figure 37, which is a flowchart showing the details of the support management data generation process in step S43 of Figure 36.

[0300] The process for generating support management data shown in step S43 of Figure 36 is started when it is determined in step S42 that it is a customer interaction based on the login information. As shown in Figure 37, the support management processing unit 110 of the car sales support server 10 registers "Login" as an event in the event list 130 (step S61), as shown in Figure 28, and then starts the timer and registers the timer value T0=0 at the time of login (step S62).

[0301] Next, when it is determined that there is an event associated with a screen switching operation on the partner terminal 14 (Yes in step S63), the timer value Ti at that time, along with the screen name and screen code as an event, are registered in the event list 130 (step S64).

[0302] Next, the previous screen access time ΔTi-1 is calculated from the difference between the timer value Ti at the current screen switching time (including the login time) and the timer value Ti-1 at the previous screen switching time in event list 130, and registered in event list 130 (step S65).

[0303] Next, if there is no logout from the partner terminal 14 (No in step S66), the system waits for the next event and repeats the same process (steps S63-S65). On the other hand, if a logout from the partner terminal 14 is detected (Yes in step S66), the logout and its timer value are registered in the event list 130 (step S67), the total screen access time is then calculated from the event list 130 as "access time" and registered (step S68), and the generated event list 130 is stored in the storage unit 32.

[0304] Next, the saved event list 130 is read, the screen transition graph 136 shown in Figure 30 is generated and stored in the memory unit 32. Subsequently, a support management record is generated from the latest saved event list 130 and added to the support management data 112 shown in Figure 31, and the system returns to the support management process shown in Figure 36.

[0305] [f. Variations of the present invention] Modifications of the car lease sales support system according to the present invention will now be described. In addition to the embodiments described above, the car lease sales support system of the present invention includes the following modifications.

[0306] Although the presentation information in the above embodiment consists of nine screen transitions, it is also possible to prepare a simplified presentation information in the form of a pamphlet summarizing the key points in about 3 to 4 pages and send it to the partner terminal.

[0307] Furthermore, for financial planners at life insurance companies and insurance agencies who use the insurance terminal 16 to consult with customers about insurance products and asset formation, the car sales server 10 may prepare and distribute business guidance information (manuals), such as "How to propose life insurance and asset formation starting with a topic about cars (compiled based on successful case studies practiced by a certain type of financial planner)." Similarly, for financial companies such as securities companies, the car sales server 10 may prepare and distribute business guidance information (manuals).

[0308] (others) Furthermore, the present invention includes appropriate modifications that do not impair its purpose and advantages, and is not limited by the numerical values ​​shown in the above embodiments. [Explanation of Symbols]

[0309] 10: Car sales support server 12: Partner Servers 14: Partner terminals 16: Car sales support terminal 18: Customer Management System 20: Credit card payment system 22: Non-life insurance system 24: Call Center System 26: Leasing company system 28: Point-related systems 30: Driver Monitoring System 32: Car Dealer System 34: Server Control Unit 36: Communication Control Unit 38: Storage part 40: Display section 42:Operation unit 44: Presentation Processing Section 46: Calculation Processing Unit 48: Customer Information List 50: Car Lease Support Section 54: Home screen 56: Presentation launch button 58: Start calculation button 60: Estimated car value screen 62,88: Next button 64,90: Back button 66: Car ownership cost screen 68: Car cost comparison screen 70: Monthly car cost comparison screen 72: Cash Flow Comparison Screen 74: Comparison screen for advantages other than cost 76: Car leasing and asset management screen 78: Presentation End Screen 80: Trial calculation start screen 82: Start button 84: Home button 86: Vehicle type selection screen 92: Screen for selecting the monthly payment amount 94: Car selection screen 95: Update button 96: Customer Information Input Button 98,99: Customer information input screen 100: Send button 102: Calculation completion screen 104: Information on Asset Building (button) 106: Trade-in price proposal screen 110: Support Processing Unit 112: Support Processing Data 114: Login screen 118: Login ID input window 120: Password input window 122: Customer support selection button 124: Training Selection Button 126: Login operation button 130: Event List 132: Header 134: Data Section 136: Screen transition graph 142: Daily data by company 144: Percentage of customers by company on holidays 146: Weekly summary data by day of the week 148: Graph showing customer information acquisition by day of the week 150: Weekly summary data by company 152: Percentage of weekly customer information acquisition by company 154: Monthly aggregated data by company 156: Monthly customer information acquisition rate by company

Claims

1. A car sales company that builds and manages a set of car lease sales operations for selling cars to customers under a car lease agreement will link its car sales support server and car sales support terminal. The aforementioned car sales company will link its partner servers and partner terminals with those of its partner companies, including life insurance companies and financial companies. The aforementioned vehicle sales support server and the aforementioned partner server are linked, A car lease sales support system that links the aforementioned car sales support server with the aforementioned partner terminal, The aforementioned car sales support server is When a request to access car lease information is received from the aforementioned partner terminal, which has been granted access through account registration, presentation information explaining a new way of owning a car through leasing and asset management is sent to and displayed on the aforementioned partner terminal. When the partner terminal that transmitted the presentation information instructs the user to switch to the calculation information screen, the calculation information, which allows the customer to tentatively determine the car they want in accordance with the new way of owning a car, is transmitted to and displayed on the partner terminal. When customer information requesting a car lease is received from the partner terminal that transmitted the presentation information and the calculation information, the customer information is registered in the customer list. The vehicle sales support terminal is characterized by receiving the customer information registered on the vehicle sales support server and executing vehicle lease operations, including the vehicle lease agreement.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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