Lease Contract Payment Adjustment for Financial Equity
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Solution Overview
Problem
Current lease contract systems do not adequately address the financial burden inequality for users who re-sign contracts, particularly between plans involving initial costs and early termination charges, leading to dissatisfaction among users.
Innovation Solution
An information processing apparatus that sets payment amounts for re-contract periods such that the total payment amount for plans without initial costs but with early termination charges is higher than for plans with initial costs but without early termination charges, ensuring fair financial burden distribution during re-signing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If the payment amount for the second plan (without initial cost, with early termination charge) is set lower during recontract period, then users may prefer this plan initially, but the total payment amount becomes unfairly smaller compared to the first plan, leading to user dissatisfaction
Solution Approach 1:
The patent dynamically adjusts the payment amount parameter for the second plan during the recontract period based on the user's original plan selection. Specifically, it sets the payment amount such that the total payment during the recontract period is larger for users who originally selected the first plan (with initial cost) than for those who selected the second plan (without initial cost). This parameter adjustment ensures fair compensation for the different financial commitments made during the initial contract period.
2Adaptability or versatility
If the system allows re-signing for contractual plans after lease contract expiration, then users gain flexibility, but inequality in financial burden arises between different plan types
Solution Approach 1:
The system performs preliminary calculation of the payment amount during the recontract period based on the user's original plan selection before the actual re-signing occurs. By pre-determining the payment amount that will create financial equivalence, the system avoids complex real-time calculations during the re-signing process and ensures fair treatment of users regardless of their original plan choice.
Solution Approach 2:
The system uses feedback from the user's original plan selection to adjust the payment amount during the recontract period. The payment amount is determined based on the difference in financial burden between the first and second plans, creating a feedback loop that ensures equity in the overall contractual relationship across the entire lease and recontract period.
3Ease of manufacture
If payment amounts are set equally for both plans during recontract period, then calculation is simple, but users who chose the first plan bear unfair financial burden
Solution Approach 1:
The patent applies different payment amount settings to different user groups based on their original plan selection. Specifically, it creates a localized adjustment where users who originally selected the first plan (with initial cost) receive a different payment amount during the recontract period compared to those who selected the second plan (without initial cost). This local differentiation ensures that each user group experiences fair financial treatment according to their initial commitments.
Data Source
AI summary
An information processing apparatus comprises a controller comprising one processor configured to perform: receiving first information giving an instruction to output information on a payment amount in a case of re-signing up for a first plan involving an initial cost at the time of signing of a lease contract and not involving an early termination charge during a lease contract period or a second plan not involving the initial cost at the time of signing of the lease contract and involving the early termination charge during the lease contract period, setting the payment amount for each of the contractual plans during a recontract period such that a total of the payment amount during the recontract period is larger in a case where the contractual plan is the second plan than the first plan; and transmitting information on the payment amount during the recontract period to the user terminal.