JP4175552B1 - Pawnshop management method, pawnshop management system and computer program therefor - Google Patents

Abstract

[PROBLEMS] To provide a pawnshop management method, a pawnshop management system, and a computer program therefor that are designed to save labor by operating pawnshops on the Internet and that can be operated easily and reliably without the need to prepare or procure operating funds. provide.
A pawnshop management method includes a system in which a server device that is managed by a pawnshop operator and provides a site related to pawnshop operation and a terminal device that can be accessed by a general user via the network can be connected via a network. Step S03 in which the server device accepts a loan application from a loan requester who wants to use a loan through the network, and the server device publishes information on the loan amount and the quality on the site to determine the investor for the loan applicant Step S10 for soliciting, Step S11 in which the server device accepts an application for investment through the network from the investor, and Step S14 in which the server device performs a loan execution procedure based on the investment from the investor.
[Selection] Figure 2

Description

  The present invention relates to a pawnshop management method, a pawnshop management system, and a computer program therefor for operating and managing a pawnshop on a network such as the Internet.

  A pawnshop is a business that lends (finances) money by taking goods of quality (powder, collateral), and when the loan does not receive reimbursement of receivables collateralized by that quality by the deadline, A clause is attached to pay the quality for the payment. Up until now, it was common as common finance, but it is said that the number of pawn shops tends to decrease with the spread of consumer finance (sarakin), which is financed by unsecured and unguaranteed people.

In Patent Document 1, a herb is listed in an auction while giving a privileged priority bid right to one or a plurality of third parties designated by the entertainer or the entertainer, and the end time of the auction (bid closing time) A business model of a pawnshop that uses an Internet auction that organically associates and sets a quality flow time has been proposed.
JP 2002-207890 A

  However, the pledgers who want to pledge (the loanees) have deposited collateral in advance even if it is difficult to repay compared to unsecured / guaranteed consumer finance. There is no particular need for this measure, and there is no fear of threatening collection. For this reason, demand for pawnshop sales still exists. In addition, according to the conventional pawn shop business form, the buyers bring pawn grass into the pawn shop and the amount of borrowing is determined, so the sales area is limited. In addition, a certain amount of funds is required for lending, and preparation and procurement of working capital may be necessary for business continuity. Further, Patent Document 1 is an idea in the case of exhibiting pawn grass at an auction, and the business form of the pawn shop is the same as before.

  In view of the above-mentioned problems of the prior art, the present invention operates pawnshops on the Internet to save labor, and does not require preparation or procurement of working capital, and can be operated easily and reliably. It is an object to provide a method, a pawn shop management system, and a computer program therefor.

A first pawn shop management method for achieving the above object is a network of a server device that is managed by a pawn shop operator and provides a site related to pawn shop operation on a network, and a terminal device that can be accessed by a general user. A pawn shop management method using a system connectable via a terminal, wherein loan application information of a visitor who wants to lend (a loaned applicant ) is transmitted to the server device via a network by a transmission means of a terminal device The loan application information is received by the receiving means by the receiving means and the loaned information storage means is stored; and the quality appraisal information by the appraisal performed by the pawn shop operator on the quality received from the visitor and the appraisal result information including the pledge information is input to the server device, comprising the steps of the object loan information storage means for storing said fusion Public information including the pledge information by investors the server device in order to solicit searches for non-public information by the public information generating means having a search function from the appraisal result information stored in the lending information storage means for desired a step of publishing the generated said site, said the investment application information funded seekers who browse public information is transmitted over the network by the transmission means of the terminal apparatus, the server apparatus receives the investment application information The investment information storage means received by the means, and the server device searches for investment application information stored in the investment information storage means to determine an investor for the trafficker, and the determination information transmitting to the receiving means of each terminal device of the equity seekers and / or the pawning user via a network by the server apparatus transmitting means That step and the pawning's repayment information received loan the stored in the object loan information storage means to be input to the server apparatus, repayment information the server apparatus is stored in the object loan information storage means If it is determined that the repayment has not been made by searching for the server, the server device receives the quality from the transmitting device via the network to the receiving device of the investor's terminal device, or is operated on the network. Sending inquiry information as to whether or not to submit an auction to be selected .

  According to the first pawnshop operation method, if a loan applicant applies for a loan to the server device via the network, the quality (pasture) is confirmed (appraisal) and then the quality is displayed on the site provided on the network. Public information including information (which may include the desired loan amount) is solicited and investors are recruited. When investors apply on the network, they can lend to the loanee based on their investment, so pawn shops The business can be operated on the Internet, labor saving can be realized, it can be operated easily and reliably, and the preparation and procurement of working capital is not required.

In addition, the second pawnshop management method allows a server device managed by a pawnshop operator to provide a site related to pawnshop operation on the network and a terminal device accessible to general users to the site via a network. a pawn management method using the system, the loan application information pawning who wish to loan is sent to the server apparatus via the network by the transmission means of the terminal device, the said loan application information server The appraisal result information including the step received by the receiving means and stored in the loaned information storage means, and the appraisal value information and the quality information by the appraisal conducted by the pawn shop operator about the quality received from the pawn is input to the server apparatus, wherein the appraisal amount information via the network by the server device transmitting means pawning of the terminal apparatus A step of sending to the receiving means the object loan information storage means for storing, when the agreement information by the pawning's for the appraisal amount information is transmitted over the network by the transmission means of the terminal device, the agreement information When the server apparatus receives the loan information storage means and stores the consent information agrees with the appraisal amount information , the server apparatus receives the loan request for the investor. A step of generating public information including the material information by searching for undisclosed information by public information generating means having a search function from the appraisal result information stored in the loan information storage means, and disclosing to the site; When the investment application information is transmitted via the network by the transmission means of the terminal device, the server apparatus receives the investment application information in the reception means. Wherein the step of receiving a stake information storage means for storing said determined the investor for the entering matter who by the server apparatus searches for owned application information stored in the owned information storage means, the determination information Ri the investment seekers through a network by the server apparatus transmitting means and / or the sending to the receiving means of each terminal device pawning's repayment information pawning who received the loan to the server device When it is input, it is stored in the loaned information storage means, and when the server apparatus determines that the repayment has not been made by searching for repayment information stored in the loaned information storage means, the server apparatus transmits The quality is received by the receiving means of the terminal device of the investor via the network by means, or listed in an auction operated on the network Transmitting inquiry information as to which one to select .

  According to the second pawnshop operation method, when a loan applicant applies for a loan to the server device via the network, the loan amount determined based on the confirmation of the quality is determined via the network. When the loan applicant agrees to the loan amount via the network, the information on the loan amount and quality is disclosed on the site provided on the network, and investors are recruited. Then, based on the investment, it is possible to lend to the loaned applicant, so that pawn shop business can be operated on the Internet, labor saving can be realized and it can be easily and reliably operated, and preparation and procurement of working capital can be performed. It becomes unnecessary.

In addition, the third pawnshop operation method is such that a server device managed by a pawnshop operator and providing a site related to pawnshop operation on the network can be connected to a terminal device accessible to general users via the network. a pawn management method using the system, the loan application information pawning who wish to loan is sent to the server apparatus via the network by the transmission means of the terminal device, the said loan application information server The appraisal result information including the step received by the receiving means and stored in the loaned information storage means, and the quality appraisal information and the quality information by the appraisal performed by the pawn shop operator on the quality received from the pawn is input to the server device; wherein the loan information storage means stores, before to solicit investors for the loan desired The step of the server apparatus exposes the to-be loan information storage means to the generated the site public information including the pledge information to search for non-public information in the public information generation means having a search function from the stored expert result information And when the investment application information of the applicant for investment is transmitted via the network by the transmission means of the terminal device, the server apparatus receives the investment application information by the reception means, and the investment information storage means stores the step, When the server apparatus determines that there are a plurality of investment applications as a result of searching the investment application information stored in the investment information storage unit by the information search unit, the server apparatus obtains a plurality of investment application information indicating that there are a plurality of investment applications. and transmitting information including the receiving means of the pawning of the terminal apparatus via the network by the transmission means, said plurality owned application Select the loan conditions the pawning who receives the broadcast wishes from each loan terms presented by the plurality of owned application, the condition selection information via a network from a transmitting unit of the pawning of the terminal apparatus and sent to the server apparatus, the condition and the step of selecting the information was received by the server device the object loan information storage means and / or the investment information storage means for storing, owned seekers the lending condition is selected and sending information indicative of the determined investors through the network by the transmission means from the server device to the receiving means of the terminal apparatus, repayment information pawning who received the loan is input to the server device Then, it is determined that the repayment has not been made by searching the repayment information stored in the loaned information storage means and the server device stored in the loaned information storage means. If the server device receives the quality item or receives it in an auction operated on the network, the transmission device selects the receiving device of the terminal device of the investor via the network. Transmitting the inquiry information .

  According to the third pawnshop operation method, a loan application is submitted to the server device via the network, and after confirmation of the quality, public information including the quality information on the site provided on the network (loan If you have received applications from multiple investment applicants on the network, the loan applicant will receive the loan terms for multiple investment applications (for example, loan amount) , Interest, repayment period, etc.), select the desired loan conditions, and the applicant is determined to be the investor. Based on the investment, the loan is provided to the loaned applicant. It is possible to achieve labor savings and operate easily and reliably, and it is not necessary to prepare or procure working capital. It can be selected favorable loan terms.

In each pawn management methods, pawn business person on the site is accessible via the network by the terminal device, the pawn sales on behalf of the pawn operator the pawning person for brought in pledge in pawn business person When the appraisal result information based on the appraisal performed by the terminal device is transmitted from the transmission means of the terminal device to the server device via the network, the server device receives the appraisal result information, and the loan information storage means A step of storing may be included. In this case, it is not necessary for the loan applicant to bring pawn grass into the pawn shop and send the appraisal result information verified by the pawn shop to the server device. The period until the public soliciting people can be shortened.

Further, the repayment information of the loanee who received the loan is stored in the loanee information storage means, and the server device determines that the repayment has not been made based on the repayment information stored in the loanee information storage means. when selecting the receiving means of the investor terminal device via a network by the server device transmitting means, or receiving the pledge or either auction which is managed on the network, any more and child, including the step of transmitting one of the inquiry information, the investor, (in the case of a foreclosure) if there is no repayment from the lenders, or to get the pledge, or, Internet auction investment Can be selected on the network. Alternatively, in the investment information storage means, when there is no repayment from a pledger, selection information for selecting whether to receive a quality item or to exhibit in an auction operated on a network is selected in advance. The server device may be registered, and when it is determined that the repayment has not been made by searching the repayment information stored in the loaned information storage unit, the server device may process according to the selection information.

  In addition, as described above, according to each pawnshop operating method, the loan applicant sends (or directly brings in) the pawn grass (pawn) to the pawn shop operator, the pawn shop operator appraisals the pawn grass, and Most things can be processed on the network, except that the pawn shop operator keeps the pawn grass, so the pawn shop business can be labor-saving and easy and reliable.

  Furthermore, the computer program is a program for causing the server device to execute each step of the first to third pawnshop management methods described above. When such a program is installed in the server device, the computer can execute each step.

In addition, a pawnshop management system for achieving the above-described object is a network of a server device that is managed by a pawnshop operator and provides a site related to pawnshop operation on a network, and a terminal device that is accessible to general users on the site. A pawn shop management system that can be connected via the terminal, when the loan application information of the entertainer who wants to finance is transmitted to the server device via the network by the transmission means of the terminal device, the loan application information is sent to the server Appraisal result information including means received by the receiving means and stored in the loaned information storage means, and quality appraisal information and quality information by the appraisal conducted by the pawn shop operator on the quality received from the pawn is input to the server apparatus, and means for the object loan information storage means stores, in order to solicit investors for the loan desired Serial to generate public information that includes the pledge information by the server apparatus searches for non-public information by the public information generating means having a search function from the appraisal result information stored in the lending information storage means to publish to the site And when the investment application information by the investment applicant who has browsed the public information is transmitted via the network by the transmission means of the terminal device, the server apparatus receives the investment application information by the reception means, and the investment information storage means And the server device searches the investment application information stored in the investment information storage means by the information search means, and determines that there are a plurality of investment applications, the plurality of investment applications are present. Means for transmitting information including multiple investment application information to the effect via the network to the receiving means of the terminal device of the entrance person, The said buyer who received the multiple investment application information selects a desired loan condition from each loan condition presented in the plurality of investment applications, and the condition selection information is transmitted from the transmission means of the terminal device of the said checker When transmitted to the server apparatus via a network, the condition selection information is received by the server apparatus and the loan information storage means and / or the investment information storage means stores, and the loan condition is selected. Means for transmitting information indicating that a decision has been made to the investor via the network from the server device to the receiving means of the terminal device of the applicant who has made the investment, and the repayment information of the pledger who has received the loan is the server When it is input to the device, it is stored in the loaned information storage means, and the server device searches the repayment information stored in the loaned information storage means, and the repayment is not made. If the server device determines that the server device receives the quality material via the network to the receiving device of the stakeholder terminal device, or puts it on an auction operated on the network Means for transmitting inquiry information as to whether to select .

According to this pawnshop management system, when a loan applicant applies for a loan to a server device via the network, the quality information (pasture) is confirmed (appraised) and then the quality information is sent to the site provided on the network. Public information (which may include the desired loan amount) is disclosed, and investors are recruited. If investors apply on the network, they can lend to the loan applicant based on the investment. It can be operated on the Internet, can save labor, can be operated easily and reliably, and requires no preparation or procurement of working capital. The third pawnshop operation method described above can be executed.

  According to the pawnshop management method, the pawnshop management system, and the computer program therefor according to the present invention, the pawnshop business is operated on the Internet to save labor, and it is not necessary to prepare and procure operating funds, and can be operated easily and reliably. .

  The best mode for carrying out the present invention will be described below with reference to the drawings. FIG. 1 is a diagram conceptually showing the whole pawnshop management system in this embodiment.

  As shown in FIG. 1, the pawnshop management system has an information processing apparatus (hereinafter referred to as “server device” or “server”) 1 having a computer function managed by a pawnshop operator and a large number of general users. Personal computers (hereinafter referred to as “PCs” or “PCs”) 11, 12, 13, 14, and 15, which are information terminal devices, are configured to be connectable via the Internet 10. In general, each personal computer 11-15 of a general user is connected to the Internet 10 via a provider host computer, but the provider host computer is not shown in FIG.

  The server device 1 receives various information from the personal users 'personal computers 11 to 15 and transmits various information to the general users' personal computers 11 to 15, and specific numbers such as collation of the user ID number and password. Stores and registers the CGI server 3 that stores the program for processing the user information and the user information sent from the WWW server 2 and various information for pawnshop operation input by the pawnshop operator, makes it searchable, and searches A database server 4 for sending information to the WWW server 2. The CGI server 3 may include a processing program such as PHP, for example.

  The server apparatus 1 opens a homepage (HP) of a website of a pawnshop management system, and the website website provides a general-purpose webpage that can be accessed by many people via the Internet 10, but has already registered as a user. Only a dedicated web page that can be accessed by inputting an ID number and a password may be provided.

  An example of the configuration / function of the server apparatus 1 will be described with reference to FIG. FIG. 5 is a block diagram schematically showing the configuration and functions of the server apparatus of FIG. As shown in FIG. 5, the server device 1 creates a communication unit 1a composed of a WWW server and the like, an ID information collation unit 1b composed of a CGI server and the like, and creates e-mail information and sends a mail address on the Internet. A memory 1e including an e-mail unit 1c that transmits / receives to / from a user, a CPU (Central Processing Unit) 1d that executes various controls, a RAM that temporarily stores programs and various information for control, and the like. A database unit 1f that includes a storage device including a hard disk, a magnetic recording medium, and the like and is configured from a database server to store and store various information related to user information and pawnshop operation; a display unit 1g that includes a CRT, a liquid crystal panel, and the like; An information input unit 1h composed of a pointing device such as a keyboard and a mouse, and a hard disk It includes a software storage unit 1i for storing an OS (Operating System) 21 and pawn operations management software 22 such software includes a 憶 device.

  As shown in FIG. 5, the database unit 1 f includes, as part of the database, a loaned information storage unit 25 that stores and registers information about the loanee, and an investment information storage unit 26 that stores and registers information about the investor. And a herbaceous information storage unit 27 for storing information on the herbaceous grass, and an information search unit 23 for searching various information in the database with designated search conditions, and a loaned information storage unit 25. A public information generating unit 24 that searches for loan request information and generates public information to be disclosed on the site.

  A computer program for pawn shop operation management is installed and stored in the pawn shop operation management software 22 of the software storage unit 1i of the server device 1 of FIGS. 1 and 5, and this program is executed under the control of the CPU 1d. As a result, the server 1 can execute the related steps in FIGS. 2 and 3 to be described later, the related steps in FIGS. 4 and 3, and the related steps in FIGS. 10 and 3. It has become.

  1 includes an information input unit 11g (FIG. 6) composed of a keyboard, a pointing device such as a mouse, and the like, and display units 11a, 12a, 13a composed of a CRT or a liquid crystal panel for displaying various information. 14a and 15a are provided. Further explanation will be given by taking the personal computer 11 as an example with reference to FIG. FIG. 6 is a block diagram schematically showing a configuration example of the personal computer 11 of FIG.

  As shown in FIG. 6, the personal computer 11 includes a display unit 11a, a communication interface (I / F) 11b that performs transmission and reception with the outside via the Internet, a reception unit 31, and a transmission unit 32, and creates e-mail information. An e-mail unit 11c that performs transmission / reception via the Internet by specifying a mail address, a CPU (Central Processing Unit) 11d that executes various controls, and a RAM that temporarily stores programs and various information for control And the like, a memory 11e composed of a hard disk, an optical disk, a magnetic recording medium, etc. for storing various information, an information input unit 11g, and a memory device composed of a hard disk, an optical disk, a magnetic recording medium, etc. System) 33, various application software 34 and the Internet 10 To anda software storage unit 11h for storing the software of the browser 35 or the like for.

By starting the browser 35 and specifying the URL, the personal computer 11 can access the web site of the pawn shop management system provided on the web by the server 1 and can open and browse the home page (HP) of the pawn shop management system. . The personal computers 12 to 15 are configured similarly to the personal computer 11. In the communication between the server device 1 and the personal computers 11 to 15 via the Internet 10, the transmission from the server 1 side designates a mail address from the electronic mail unit 1c to the electronic mail unit 11c of the personal computers 11 to 15. The transmission from the personal computers 11 to 15 is generally performed to the communication unit 1a of the server 1 using a screen provided on the website of the pawn shop management system, but is not limited thereto. Is not to be done.

  <First Embodiment>

  Next, the operation procedure of the pawnshop management method in the pawnshop management system of FIG. 1 will be described as a first embodiment. FIG. 2 is a flowchart showing steps S01 to S14 of the pawn shop operating method according to the first embodiment.

  Referring to FIG. 2, firstly, a loan requester (entity person) who desires financing starts a browser 35 on, for example, the personal computer 11 of FIGS. 1 and 6 and connects to the Internet 10 (S01). When the URL of the management system Web site is specified and the server 1 shown in FIGS. 1 and 5 is connected, and the server 1 receives the information transmitted from the personal computer 11, the communication unit 1a receives the Web information of the Web site from the communication unit 1a. By being transmitted to the personal computer 11, the home page (HP) of the Web site provided by the server 1 is opened (S02).

  Next, the loan applicant inputs information necessary for applying for the loan (for example, the contents of the herb, the desired loan amount, address, name, e-mail address, etc.) to the personal computer 11 on the general web page of the website. After inputting from the unit 11g, the loan application is made by transmitting to the server 1, and the server 1 accepts the loan application through the communication unit 1a of FIG. 5 and stores it in the loaned information storage unit 25 of the database unit 1f. And register (S03).

  Note that the information necessary for the loan application includes the desired loan amount and information on the quality grass (for example, product name, brand name, product status, etc.). In addition, if necessary, a copy image such as a photograph taken with a digital camera of a psyllium grass or an appraisal certificate or a warranty card of a psylvia can be attached at the time of transmission.

  In addition, the server 1 may accept a loan application through a dedicated Web page. In this case, only a registered user can input an ID number and a password and can access.

  Next, the server 1 that has received the application for the loan via the Internet performs various primary grasses stored in the herbaceous information storage unit 27 of the database unit 1f regarding the loan request amount and the herbaceous information of the person who wants to borrow. Based on the loan amount data (S04). The primary examination is a simple examination that checks the suitability of pesticides for storage (large items, organisms, plants, etc. that are difficult to store and manage) and the balance between the desired loan amount and pesticides.

  The server 1 designates the e-mail address of the applicant for loan from the e-mail part 1c and sends the result of the first examination to the e-mail part 11c of the personal computer 11 (S05). The applicant sends the pawn grass to the pawn shop operator by postal parcel or courier (S06). The loan applicant may bring pawn grass directly to the pawn shop operator, and in this case, the loan application may be made directly at the same time as pawn grass. Even if the primary examination is not OK, for example, if it becomes OK by changing the desired loan amount, the process proceeds to step S06. In addition, when the pesticide information in the pesticide information storage unit 27 of the database unit 1f is insufficient and the server 1 cannot perform the first examination of pesticides, the pawnshop operator will request the loan applicant's desired loan amount and pesticides. Based on the information, the first screening will be conducted.

  Next, the pawn shop operator who has received the pawn grass performs a secondary examination (S07). In other words, this secondary screening is equivalent to appraisal of pesticides in ordinary pawn shops, and the value of pesticides (including authenticity appraisal) is judged in the secondary screening, and the desired loan amount is taken into account based on the appraisal. And determine the loan amount. Then, the appraisal result information (loan amount, etc.) of the secondary examination is transmitted from the e-mail unit 1c of the server 1 to the personal computer 11 of the loan applicant by specifying the e-mail address (S08). Further, the result information of the secondary examination is stored and registered in the loanable information storage unit 25 of the server 1. The appraisal and value judgment of pawns belong to the know-how of the pawn shop operator, but are usually performed in consideration of the state of the goods, market trends, tender bid tendencies, and the like.

  If the loan applicant who received the result agrees with the loan amount, the consent information is transmitted from the personal computer 11 to the server 1 (S09). The consent information is stored in the loanable information storage unit 25 of the server 1. If the loan applicant does not agree with the above loan amount, the pawn shop operator will send back the pawn grass to the loan requester, but the loan applicant will, for example, keep it in preparation for a future loan application. You may make it request | require the pawn shop operator from the personal computer 11 via the internet on condition that payment of an amount equivalent to a charge is carried out.

  Next, the server 1 publishes information on the loan amount and the herbaceous plant on the general Web page of the site operated by the server 1 and solicits investors for the loan applicant (S10). The public information is generated by the public information generation unit 24 of the database unit 1f of the server 1 periodically searching for unpublished information from the data in the loaned information storage unit 25 and selecting predetermined information. As shown in FIG. The contents of the grass, the desired loan amount, and the application deadline will be published on the website as a web page for the investment offer list. Management No. Are automatically set in the order of acceptance of the loan application, and the application deadline is automatically set in a predetermined period from the time of publication.

  Such publication may be performed on a dedicated Web page that can be accessed only by a registered user by entering an ID number and a password. In addition to the product name, brand name, and quality, for example, the quality of the quality material may include, for example, the status of the product. Etc. may be added.

  Next, a person who wants to invest in the above-mentioned loan starts a browser on the personal computer 15 in FIG. 1 to connect to the Internet 10 and specifies the URL of the website of the pawn shop management system to connect to the server 1. Then, when the homepage of the website is opened, the web page as shown in FIG. 7 is displayed on the display unit 15a of the personal computer 15, and the application for the investment is decided based on the public information such as the contents of the published psyllium, When the application button 29 in FIG. 7 is clicked with the mouse or the like of the information input unit 11g of the personal computer, the application is switched to a Web page, and information necessary for investment (including personal information such as address, name, and e-mail address) is displayed on the Web page. ) And send it from the personal computer 15 to the server 1 to apply for the investment, and the server 1 sends the investment application information via the communication unit 1a. Only with (S11), and stores and registers the equity information storage unit 26 of the database unit 1f.

  In addition, when it is disclosed on a dedicated Web page, the applicant for investment accesses it by inputting an ID number and a password. In addition, if a large number of loan requests are disclosed on the Web page, the applicant for investment can select an application to apply from a large number of loan requests based on the disclosed loan amount and information on the herbaceous plants.

  Next, when the application deadline arrives, the information search unit 23 of the server 1, for example, manages the investment No. of the investment solicitation list in FIG. The application information for 001 is searched from the investment information storage unit 26. If there is only one applicant who wants to make an investment, that person is determined as an investor. The decision information is transmitted from the server 1 to the respective mail addresses of the investment applicant and the loan applicant determined from the server 1 (S12), and the decision information is sent to the investment information storage unit 26 and the loaned information storage unit 25. Memorized and registered. Further, in the case of lottery, the server 1 transmits a message to the e-mail address of the applicant for investment to that effect. In addition, when there are a plurality of applicants for investment, instead of lottery, as shown in FIG. 4 to be described later, the applicant for loan selects a candidate for loan with a desired loan condition from each loan condition of the plurality of loan applicants. You may make it select.

  Next, when the investment amount is transferred from the determined investor (S13), the transfer information is stored in the loan information storage unit 25 of the server 1, and based on the transfer information, the server 1 The loan is executed by performing a loan execution procedure for the loan applicant, for example, by issuing a transfer instruction to the account of the loan applicant (S14).

With reference to FIG. 3, steps S21 to S27 relating to the repayment from the loanee after the loan will be described. If there is a repayment from the loanee who received the loan, specifically, if there is a transfer of a predetermined amount (for example, the total amount of principal, interest and commission) in the pawn shop operator's account, the repayment information will be Although it is stored in the loanable information storage unit 25 of the server 1, when the repayment due date arrives, the server 1 searches the loanable information storage unit 25 by the information search unit 23 and receives a loan based on the repayment information. It is confirmed whether or not the loanee has repaid until the due date (S21).

  If the repayment from the loanee is not made until the due date (in the case of quality flow) (S22), the server 1 receives the pruning grass from the e-mail part 1c to the investor's e-mail address instead of the repayment of the money. In addition, an e-mail is sent to inquire whether to select an item to be exhibited in an auction operated on the Internet (S23).

  When the investor has selected to receive the pawn (S24), the pledget is sent to the investor (S25). The investor may receive pawn grass directly from the pawn shop operator. In addition, the investor, for example, requests the pawn shop operator to continue storing herbs from the personal computer 15 via the Internet on the condition of paying an amount equivalent to the storage fee, etc. You may make it do.

  Further, when the investor selects the auction for auction (S24), the server 1 performs a procedure for auctioning the herbaceous grass for auction on the Internet (S26). When the auction is successful and the deposit from the successful bidder is in the pawn shop operator, the server 1 issues a transfer instruction to the investor's account, and the amount equivalent to the sales is transferred to the investor's account. An auction on the Internet can be operated by the pawn shop operator of the present embodiment on the server 1 or another server device, but an auction of another site operated by another person may be used. Good.

  Further, when the loanee repays (S22), the pawn shop operator returns the pawn grass to the loanee (S27). In case the loanee wishes to lend again with the pawn, in the future, for example, the pawn shop operator will continue the pawn storage from the personal computer 11 via the Internet on condition that the storage fee is paid. May be requested.

  The selection of the step S24 may also be be registered or to choose beforehand the investment information storage unit 26, in this case, when the repayment was not automatically step S25, or Proceed to step S26.

  As described above, according to the pawnshop management method of the first embodiment, pawnshop business can be operated on the Internet, and labor saving can be realized. This will be described with reference to FIG. FIG. 8 is a diagram showing, in time series, the steps of transmission / reception among the server 1, the loan requesting personal computer 11 and the investment requesting (capital) personal computer 15 in FIGS. 2 and 3. In FIG. 8, the direction of the arrow indicates the direction of transmission / reception. Starting from transmission of a loan application from the PC 11 by the loan applicant / reception of the server 1, each information is transmitted / received via the Internet. By publishing an investment solicitation list as shown in FIG. 7 on the site, when investment is solicited and there is an application from an applicant for investment, subsequent transmission / reception of each information is also performed via the Internet, and the server 1 transmits it. Each information is automatically created by the server 1, stored and registered in the database unit 1f, and information received from the user by the server 1 is also stored and registered in the database unit 1f. In this way, the loan applicant sends (or directly brings) the pawn grass to the pawn shop operator (S06), the pawn shop operator appraisals the pawn grass (S07), and inputs the result of the appraisal from the input unit 1h. Most of the steps are on the Internet on the server 1 and the personal computer, except that the operator stores the psyllium and that the user (financial applicant, applicant for investment) inputs necessary information from the computer input unit 11g. Since the processing can be automatically performed at 11 to 15, labor can be saved in pawn shops and can be easily and reliably operated.

  In addition, the following effects (1) to (3) can be obtained in the loan applicant / financer, the pawn shop operator, and the investor, respectively.

  (1) From the perspective of the loan applicant and the loanee, even if there is no pawnshop nearby, you can use the pawnshop easily and reliably on the Internet, and there are no regional restrictions on using it. It is easy to use and convenient because it is not necessary to go to a pawnshop each time.

  (2) From the point of view of pawnshop operators, operating pawnshops on the Internet makes it possible to conduct pawnshop sales without regional restrictions. Since pawnshops can be operated based on investment, it is not necessary to prepare and procure operating funds for pawnshop sales, and there is a fee that includes appraisal fees, storage fees, procedure fees, etc. from both the loanee and the investor. You can expect income.

  (3) From the perspective of the investor, it is possible to expect income from interest according to the amount of investment, and to obtain a relatively safe investment effect on the Internet. At that time, it can be expected that the psyllium can be acquired, or, in the case of an auction, it can be expected that a successful bid can be made with an amount exceeding the investment amount.

  <Second Embodiment>

  Next, the operation procedure of another pawnshop management method in the pawnshop management system of FIG. 1 will be described as a second embodiment. FIG. 4 is a flowchart showing steps S31 to S48 of the pawn shop operating method according to the second embodiment.

  Compared to FIG. 2, the pawnshop management method according to the second embodiment, when there are applications from multiple investment applicants for investment solicitation published on the site, the loan applicants are multiple investment applicants The main difference is that the desired loan conditions can be selected from the loan conditions presented by. Hereinafter, differences from FIG. 2 will be mainly described.

  That is, steps S31 to S41 in FIG. 4 correspond to steps S01 to S11 in FIG. 2, respectively, but in the secondary examination in step S37, the pawn shop operator determines the appraisal value based on the appraisal result, and step S38. The transmission of the result of the secondary examination notifies the appraisal value of the herbaceous plant, and the consent in step S39 is an agreement to disclose the appraisal value as the desired loan amount in step S40.

  Further, in step S41 of FIG. 4, the investment applicant inputs loan conditions as information necessary for investment and transmits it to the server 1. The loan conditions include, for example, the loan amount, interest, repayment period, etc., and the applicant for investment determines the loan condition based on the information regarding the desired loan amount and the herbaceous material disclosed on the Web page as shown in FIG. I can decide.

  Next, when the application deadline has arrived, the information search unit 23 of the server 1, for example, manages No. The application status for 001 is searched from the investment information storage unit 26, and it is determined whether or not there is an applicant for investment for the investment solicitation. Judgment is made (S42). And when there is an application for investment from a plurality of investment applicants, the server 1 specifies information indicating that there are a plurality of applications from the e-mail unit 1c by specifying the e-mail address of the loan applicant and a personal computer via the Internet 10 11 (S43). The loan applicant who received the multiple application information obtains information on each loan condition of the plurality of investment applicants by accessing the website via the Internet, and selects the desired loan condition from the plurality of loan conditions. The selection information is transmitted from the personal computer 11 to the server 1 and received by the server 1 (S44).

Information on each loan condition of a plurality of investment applications is, for example, as shown in FIG. As a web page of the 001 application list, each application No. Each time the loan amount is disclosed on the site. Application No. Are automatically set in the order of application for investment. The loan applicant accesses the Web site via the Internet, opens the Web page of the application project list in FIG. 11, and selects, for example, an application number from the application project list in FIG. 11. In the case of selecting 0103, when the selection button 30 in the column is clicked with the mouse of the information input unit 11g of the personal computer 11, the selected web page is switched, and the selected information is transmitted from the personal computer 11 to the server 1 on the web page. .

  The example of FIG. 11 is a case where the interest and repayment deadline are fixed, and only the loan amount can be set by the applicant, but the interest and repayment deadline may also be set. In this case, the interest And a repayment due date column. Further, since the Web page of FIG. 11 is published on the site, the subsequent applicant for investment can determine the loan amount and the like by referring to this public information. In addition, the server 1 may transmit the information in FIG. 11 to the e-mail address of the loan applicant by e-mail.

  Similarly, when there is only one applicant for investment, information to that effect is transmitted from the server 1 to the personal computer 11, and if the loan applicant agrees to the loan conditions of the applicant for investment obtained through the Internet, the information The consent information is transmitted from the personal computer 11 to the server 1 (S45). The selection information in step S44 described above or the consent information in step S45 is stored and registered in the loan information storage unit 25 or the investment information storage unit 26 of the server 1. Note that the determination in step S42 is made after the elapse of the predetermined release period in step S40.

  When the investor is determined as described above, the server 1 transfers the information from the e-mail unit 1c to the personal computer of the investor who wishes to invest based on the selection information stored in the funded information storage unit 25 or the investment information storage unit 26. The decision information indicating that the decision is made to the investor by designating the e-mail address is sent (S46). In addition, when there are a plurality of investment applicants, information indicating that the investment applicants that were not selected in step S44 are not selected is transmitted from the server 1 to the email address of the investment applicant.

  Next, when the investment amount is transferred from the determined investor (S47), the transfer information is stored in the loan information storage unit 25 of the server 1, and based on the transfer information, the server 1 A loan is executed by performing a loan execution procedure for the loan applicant, for example, by issuing a transfer instruction to the account of the loan applicant (S48).

  In addition, in the above-mentioned step S44 or S45, when the loanee cannot finally agree to the loan conditions, the pawnshop operator sends back the pawn, but the loanee prepares for the application for a future loan, For example, the pawn shop operator may be requested to continue the storage of pawn grass via the Internet from the personal computer 11 on the condition that the storage fee is equivalent to the payment, or it can be requested to be released on the site again (S40). You may do it. Further, the pawn shop operator may indicate the loan conditions to the loan recipient and notify the server 1 that the loan is possible.

  The repayment from the loanee after the loan may be the same as steps S21 to S27 in FIG.

  As described above, according to the pawnshop operation method of the second embodiment, similarly to the first embodiment, the pawnshop business can be operated on the Internet, labor saving can be realized, and the above-mentioned ( The same effects as 1) to (3) can be obtained. Further description will be given with reference to FIG. FIG. 9 is a diagram showing, in a time series, the steps of transmission / reception among the server 1, the personal computer 11 of the loan applicant, and the personal computers 14 and 15 of the plurality of investment applicants in FIG. As in FIG. 8, each information is transmitted and received via the Internet, and the investment solicitation list as shown in FIG. 7 is published on a site on the Internet. If there is Y and the loan applicant selects the loan of X, the subsequent transmission / reception of each information is also performed via the Internet, and each information transmitted by the server 1 is automatically created by the server 1, and the database section The information received and registered by the server 1 from the user is also stored and registered in the database unit 1f. In this way, the loan applicant sends (or directly brings in) the pawn grass to the pawn shop operator (S36), the pawn shop operator judges the pawn grass (S37), and inputs the result of the examination from the input unit 1h, the pawn shop Most of the steps are on the Internet on the server 1 and the personal computer, except that the operator stores the psyllium and that the user (financial applicant, applicant for investment) inputs necessary information from the computer input unit 11g. Since the processing can be automatically performed at 11 to 15, labor can be saved in pawn shops and can be easily and reliably operated.

  In addition, from the perspective of the loan applicants and the loanees, if there are multiple applicants for investment, the applicant for loan should select the desired loan conditions (similar to the desired one) from the multiple loan conditions presented by each investment applicant. Therefore, unlike the simple loan, you can get a loan on the loan terms that are considered advantageous to you. For example, depending on whether the loan applicant wants the lowest possible interest rate, the highest possible loan, or the longest repayment period, etc. Can be selected.

  In FIG. 4, the appraisal value by the secondary examination in step S37 is not the final loan amount, but the loan amount can be finally determined by the selection / consent of the loanee, so steps S38 and S39, Alternatively, step S39 may be omitted.

  In addition, when the loan request is disclosed on the site in step S40 in FIG. 4, the appraisal value in step S37 is disclosed as the desired loan amount, but the desired loan amount desired by the loan applicant may be disclosed. Good. Moreover, you may make it open | release both the appraisal amount in step S37, and the loan request amount which a loan applicant desires, and, thereby, the investment applicant can request the loan amount and the appraisal amount in addition to the information on the pesticide. The loan conditions can be determined in consideration of both.

  Next, another example of the pawnshop management method according to the second embodiment will be described with reference to FIG. FIG. 10 is a flowchart showing steps S51 to S65 of another pawnshop management method according to the second embodiment. The pawn shop management method of FIG. 10 differs from FIG. 4 in that the loan applicant brings pawn grass into the pawn shop. Hereinafter, differences from FIG. 4 will be mainly described.

  That is, steps S51, S52, and S53 in FIG. 10 are the same as steps S31 to S33 in FIG. 4, but the loan applicant directly brings pawns into the pawn shop (S54), and verifies the pawns at that pawn shop. The pawn shop receives the appraisal result information (secondary examination result in FIG. 4), for example, from the personal computer 13 in FIG. 1 to the server 1 via the Internet (S55), and the server 1 transmits the appraisal result information in the communication unit 1a. Received, stored in the loanable information storage unit 25 and registered. Pawn grass is stored in the pawn shop (S56). Next, the investment solicitation as shown in FIG. 7 is made public on the site operated by the server 1 to solicit investors for the loan applicant (S57). The subsequent steps S57 to S65 are the steps S40 in FIG. To S48.

According to the pawn shop management method of FIG. 10, the pawner does not need to send the pawn grass to the pawn shop operator, receives the appraisal immediately at the pawn shop that brought in the pawn grass, and sends the appraisal result information to the server 1 directly from the pawn shop. Therefore, each step S34 to S39 in FIG. 4 can be omitted, and the period until the publication on the site in step S57 can be shortened. For this reason, it becomes possible to receive a loan in a shorter period of time. This is convenient when there is a pawn shop nearby, although it is far from the pawn shop operator's business location. In addition, the pawn shop where the pawn grass is brought in in step S54 has a partnership with the pawn shop operator who provides this site, and can access the server 1 by entering the ID number and password on the dedicated web page.

  As described above, the present invention has been described by the embodiments. However, the present invention is not limited to these embodiments, and various modifications can be made within the scope of the technical idea of the present invention. For example, in addition to a personal computer as an information terminal device for a general user, for example, a mobile terminal device (PDA) that can be connected to the Internet, a mobile phone, a television, or the like can be used.

  In addition, steps S04, S34 (primary examination) and S05, S35 (transmission of results) in FIG. 2 or FIG. 4 may be omitted. For example, articles that are naturally recognized as pawns (for example, watches and jewelry) If so, after applying for a loan (S03, S33), the steps S04, S05 (S34, S35) may be omitted, and the pawn grass may be sent to the pawn shop operator (S06, S36). If the names of articles that do not require primary examination are listed on the Web page of the site operated by 1, it is convenient for the user to use.

  2 and 4, the period (investment period for investors) is set on the site, and if there are no applicants within that period, for example, the pawn shop operator directly lends You may do it. In addition, if the loan applicant desires a short-term loan and the server 1 receives information on such a short-term loan request, the publication period of steps S10 and S40 can be shortened, You may make a loan directly on condition that you add a special interest.

  In addition, the repayment deadline in steps S21 and S22 in FIG. 3 is set to a predetermined period, but for example, the consent of the investor and the special interest (for the extension period) can be obtained by the offer through the internet of the loanee. (In addition to interest) payments can be extended on condition. Information regarding such consent (disagreement) and extension permission (extension not permitted) can be transmitted and received via the Internet.

  When the above-mentioned pawnshop management system is provided on a dedicated web page, the user registers in advance with his / her name, address, telephone number, bank account, e-mail address, etc., and the set ID number and By making access possible after the ID is verified by the ID information verification unit 1b of the server 1 by inputting the password, the above pawn shop management system can be used as a loanee or investor.

It is a figure which shows notionally the whole pawnshop management system in this embodiment. It is a flowchart which shows step S01-S14 of the pawnshop management method by 1st Embodiment. It is a flowchart which shows step S21-S27 regarding the repayment from the loanee after financing of FIG. It is a flowchart which shows step S31-S48 of the pawnshop management method by 2nd Embodiment. FIG. 2 is a block diagram schematically showing a configuration / function of a server device 1 in FIG. 1. FIG. 2 is a block diagram schematically showing a configuration example of a personal computer 11 in FIG. 1. FIG. 11 is a diagram illustrating an example of an investment solicitation case list as information disclosed in the disclosure steps S10, S40, and S57 of FIGS. It is a figure which shows each step of transmission / reception between the server 1 in FIG.2, FIG.3, the personal computer 11 of a loan applicant, and the personal computer 15 of an investment applicant (contributor) in time series. It is a figure which shows each step of transmission / reception between the server 1 in FIG. 4, the personal computer 11 of a loan applicant, and the personal computers 14 and 15 of a plurality of investment applicants in time series. It is a flowchart which shows step S51-S65 of another pawnshop management method by 2nd Embodiment. It is a figure which shows the example of the application item list | wrist which shows each loan condition of multiple application referred when selecting loan conditions by loan condition selection step S44, S61 of FIG. 4, FIG.

Explanation of symbols

1 Server device, server, information processing device 10 Internet (network)
11-15 PC (terminal equipment)
1f Database part 22 Pawn shop operation management software 23 Information search part 24 Public information generation part 25 Loan information storage part 26 Investment information storage part

Claims (7)

A pawnshop operating method using a system in which a server device managed by a pawnshop operator and providing a site related to pawnshop operation on a network and a terminal device accessible to general users to the site can be connected via the network. And
When a loan application information pawning who wish to loan is sent to the server apparatus via the network by the transmission means of the terminal device, wherein the loan application information received by the server apparatus receiving means the loan information storage means Remembering steps,
When the appraisal result information including the quality appraisal information and the quality information by the appraisal performed on the quality received by the pawn shop operator from the pawn is input to the server device, the loan information storage means stores the information And
In order to recruit investors for the loan request, the server device includes the material information by searching undisclosed information by public information generation means having a search function from the appraisal result information stored in the loaned information storage means. Generating public information and publishing to the site;
When investment application information by an investment applicant who has browsed the public information is transmitted via a network by the transmission means of the terminal device, the server apparatus receives the investment application information and stores the investment information storage means. Steps,
The server device searches for the investment application information stored in the investment information storage means to determine an investor for the entertainer, and the server device transmits the determination information via the network to the investment request by the server device. transmitting user and / or to the receiving means of each terminal device of the pawning's
When the repayment information of the entertainer who has received the loan is input to the server device, the loaned information storage unit stores the repayment information, and the server device searches the repayment information stored in the loaned information storage unit. If the server device determines that the repayment has not been made, the server device receives the quality by the transmitting device via the network to the receiving device of the investor's terminal device, or exhibits in an auction operated on the network. And a step of transmitting inquiry information as to which to select , and a pawnshop operating method. A pawnshop operating method using a system in which a server device managed by a pawnshop operator and providing a site related to pawnshop operation on a network and a terminal device accessible to general users to the site can be connected via the network. And
When a loan application information pawning who wish to loan is sent to the server apparatus via the network by the transmission means of the terminal device, wherein the loan application information received by the server apparatus receiving means the loan information storage means Remembering steps,
When appraisal result information including appraisal value information and quality information obtained by appraisal performed by the pawn shop operator on the quality material received from the pawn is input to the server device, the server device transmits the appraisal value information. a step through the network and sends to the receiving means of the pawning of the terminal apparatus the object loan information storage means for storing the unit,
When agreement information by the pawning's for the appraisal amount information is transmitted over the network by the transmission means of the terminal device; wherein the agreement information received by the server device the object loan information storage means for storing ,
When the consent information agrees with the appraisal amount information , the server device has public information having a search function from the appraisal result information stored in the loaned information storage means in order to recruit investors for the loan request. Generating unpublished information including the material information by searching unpublished information by the generating means and publishing to the site;
When the investment application information of the applicant for investment is transmitted via the network by the transmission means of the terminal device, the server apparatus receives the investment application information by the reception means, and the investment information storage means stores the step;
The server device searches for the investment application information stored in the investment information storage means to determine an investor for the entertainer, and the server device transmits the determination information via the network to the investment request by the server device. transmitting user and / or to the receiving means of each terminal device of the pawning's
When the repayment information of the entertainer who has received the loan is input to the server device, the loaned information storage unit stores the repayment information, and the server device searches the repayment information stored in the loaned information storage unit. If the server device determines that the repayment has not been made, the server device receives the quality by the transmitting device via the network to the receiving device of the investor's terminal device, or exhibits in an auction operated on the network. And a step of transmitting inquiry information as to which to select , and a pawnshop operating method. A pawnshop operating method using a system in which a server device managed by a pawnshop operator and providing a site related to pawnshop operation on a network and a terminal device accessible to general users to the site can be connected via the network. And
When a loan application information pawning who wish to loan is sent to the server apparatus via the network by the transmission means of the terminal device, wherein the loan application information received by the server apparatus receiving means the loan information storage means Remembering steps,
When the appraisal result information including the quality appraisal information and the quality information by the appraisal performed on the quality received by the pawn shop operator from the pawn is input to the server device, the loan information storage means stores the information And
In order to recruit investors for the loan request, the server device includes the material information by searching undisclosed information by public information generation means having a search function from the appraisal result information stored in the loaned information storage means. Generating public information and publishing to the site;
When the investment application information of the applicant for investment is transmitted via the network by the transmission means of the terminal device, the server apparatus receives the investment application information by the reception means, and the investment information storage means stores the step;
If the server device determines that there are a plurality of investment applications as a result of searching the investment application information stored in the investment information storage means by the information search means, the plurality of investment application information indicating that there are a plurality of investment applications. a step over the network to the receiving means of the pawning of the terminal apparatus by the transmission means information including,
Select the loan terms desired from the loan conditions the pawning who receives the plurality owned application information is presented by the plurality of owned application, from the transmission means of the condition selection information the pawning of the terminal apparatus When transmitted to the server device via a network, the server device receives the condition selection information, and the loan information storage means and / or the investment information storage means stores the steps;
And transmitting the information indicative of the determined investors via a network by transmission means from the server to the receiving means of the loan conditions selected funded applicant of the terminal device,
When the repayment information of the entertainer who has received the loan is input to the server device, the loaned information storage unit stores the repayment information, and the server device searches the repayment information stored in the loaned information storage unit. If the server device determines that the repayment has not been made, the server device receives the quality by the transmitting device via the network to the receiving device of the investor's terminal device, or exhibits in an auction operated on the network. And a step of transmitting inquiry information as to which to select , and a pawnshop operating method. The site can be accessed by a pawn shop operator via a network with a terminal device,
The pawning individual is transmitted from the transmitting means of appraisal result information by appraisal made by the pawn operating on behalf of the pawn operator for brought in pledge in pawn business person terminal apparatus to the server apparatus via the network Then, the pawn shop operation method according to any one of claims 1 to 3, including a step in which the server device receives the appraisal result information by a receiving unit and the loaned information storage unit stores the information. In the investment information storage means, when there is no repayment from a pledger, selection information for selecting whether to receive a quality item or to be displayed in an auction operated on a network is registered in advance. And
5. The server device according to claim 1, wherein when the server device determines that the repayment has not been made by searching for repayment information stored in the loaned information storage unit , the server device performs processing according to the selection information. Pawn shop management method. A pawnshop management system in which a server device managed by a pawnshop operator and providing a site related to pawnshop operation on a network and a terminal device accessible to general users to the site can be connected via a network,
When a loan application information pawning who wish to loan is sent to the server apparatus via the network by the transmission means of the terminal device, wherein the loan application information received by the server apparatus receiving means the loan information storage means Means to memorize,
Means stored in the loan information storage means when the appraisal result information including the quality appraisal information and the quality information by the appraisal performed by the pawn shop operator on the quality received from the pawn is input to the server device And
In order to recruit investors for the loan request, the server device includes the material information by searching undisclosed information by public information generation means having a search function from the appraisal result information stored in the loaned information storage means. Means for generating public information and publishing to the site;
When investment application information by an investment applicant who has browsed the public information is transmitted via a network by the transmission means of the terminal device, the server apparatus receives the investment application information and stores the investment information storage means. Means,
If the server device determines that there are a plurality of investment applications as a result of searching the investment application information stored in the investment information storage means by the information search means, the plurality of investment application information indicating that there are a plurality of investment applications. Means for transmitting the information including the information to the receiving means of the terminal device of the entertainer via the network,
The said buyer who received the said multiple investment application information selects a desired loan condition from each loan condition presented in the plurality of investment applications, and the condition selection information is transmitted from the transmission means of the terminal device of the said checker Means for receiving the condition selection information by the server device and storing the loan information storage means and / or the investment information storage means when transmitted to the server device via a network;
Means for transmitting information indicating that the loan condition has been determined to the investor via the network from the server device to the receiving means of the terminal device of the investment applicant who has selected the loan conditions ;
When the repayment information of the entertainer who has received the loan is input to the server device, the loaned information storage unit stores the repayment information, and the server device searches the repayment information stored in the loaned information storage unit. If the server device determines that the repayment has not been made, the server device receives the quality by the transmitting device via the network to the receiving device of the investor's terminal device, or exhibits in an auction operated on the network. And a means for transmitting inquiry information as to which to select . A pawnshop management system comprising:   The computer program for making a server apparatus perform each step of the pawnshop management method of any one of Claims 1 thru | or 5.

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