KR102387046B1 - Method and system for pawnshop automation of nonstorage pledge - Google Patents

Abstract

The present invention relates to a non-collateral pawnshop automation system and method that enables non-visitable non-face-to-face collateral loan through non-storage of collateral. After receiving at least one collateral image and collateral input information through a client terminal, the a collateral value evaluation module for evaluating the value of collateral;
a loan customer identification information confirmation module for receiving the loan customer's ID image and the loan customer's input information through the client terminal, and then confirming the loan customer's identity information based thereon; a loan account real name inquiry module for receiving the loan money receiving account information of the loan customer through the client terminal and checking whether the loan customer's account information is real name based thereon; a loan customer/account coincidence checking module for determining whether or not they match through comparison between the identified identity information of the loan customer and the identity of the loan account whose real name is confirmed; If it is determined through the loan customer/account matching confirmation module, it is confirmed that the image and information of the collateral received from the client terminal are all true, and if it is false, a warning message notifying that civil and criminal liability is imposed on the client terminal a module for providing information/consent to the sincerity provision of collateral, which is transmitted to and received in response thereto; And, based on the value evaluation of the collateral of the collateral value evaluation module, after generating collateral loan contract information including the loanable amount, loan period, and interest rate, it is provided to the client terminal, and the customer's consent information is received and stored accordingly It is possible to provide a non-collateral pawnshop automation system, characterized in that it includes a loan contract module to

Description

Pawnshop automation system and method for non-collateral storage

The present invention relates to a pawnshop automation system and method for non-collateralized pawnshops that can use a loan from a pawnshop without visiting through a network, as well as a loan customer without collateral storage.

Credit loans or secured loans from lenders such as financial institutions and P2P lenders are common as a way for companies or individuals to borrow funds online.

In general, in the case of a credit loan, it is possible to do without a visit because the loan is carried out based on the credit evaluation result of the borrower. There was a problem in that it was difficult to process without a visit online because a visit was absolutely necessary to submit related documents or to leave collateral.

In addition, there was a problem that the cost incurred for offline appraisal of collateral and storage of collateral deteriorated the profit structure of the pawnshop business.

Republic of Korea Patent Registration No. 10-1934948 (Registered on December 27, 2018) Republic of Korea Patent Publication No. 10-2010-0133730 (published on December 22, 2010)

The present invention does not store collateral, but processes all loan processes online with collateral as collateral, and handles collateral in case of delinquency to prevent loan loss through a system that enables the use of a pawnshop loan service without a visit. provide a way

In addition, the present invention is to provide a non-collateral pawnshop automation system and method capable of automating the process of non-face-to-face collateral loan and managing risk factors accompanying non-storage collateral.

As a technical means for achieving the above technical problem, the non-collateral pawnshop automation system according to an embodiment of the present invention receives at least one collateral image and collateral input information through a client terminal, and then, based on the received at least one collateral image and collateral input information, the value of collateral a collateral value evaluation module for evaluating; a loan customer identification information confirmation module for receiving the loan customer's ID image and the loan customer's input information through the client terminal, and then confirming the loan customer's identity information based thereon; a loan account real name inquiry module for receiving the loan money receiving account information of the loan customer through the client terminal and checking whether the loan customer's account information is real name based thereon; a loan customer/account coincidence checking module for determining whether or not they match through comparison between the identified identity information of the loan customer and the identity of the loan account whose real name is confirmed; If it is determined through the loan customer/account matching confirmation module, it is confirmed that the image and information of the collateral received from the client terminal are all true, and if it is false, a warning message notifying that civil and criminal liability is imposed on the client terminal After being transmitted to, the information/consent module for providing collateral in response to it; And, based on the value evaluation of the collateral of the collateral value evaluation module, after generating collateral loan contract information including the loanable amount, loan period, and interest rate, it is provided to the client terminal, and the customer's consent information is received and stored accordingly It may include a loan contract module to

According to an embodiment of the present invention, when the loan is overdue and the loan is repaid by selling the collateral, the loan customer is obliged to deliver the collateral to a designated place, and It may further include a function of transmitting information guiding the imposition of civil and criminal liability accordingly to the client terminal in case of violation thereof, and receiving consent information therefor.

According to an embodiment of the present invention, the non-secured pawnshop automation system includes a loan information output module for providing a loan amount and loan receipt account information based on the secured loan contract information; a loan remittance firm banking module that remits the loan amount to an account corresponding to the loan receivable account information; a repayment information guide management module for providing information on loan repayment and interest payment to the client terminal; a delinquency management module for checking and managing loan customers' interest payments; And it may further include a repayment management module for checking and managing whether the principal repayment of the loan customer.

According to an embodiment of the present invention, in the loan remittance firm banking module, the loan money can be remitted as the manager's approval information is input.

According to an embodiment of the present invention, the delinquency management module transmits the interest delinquency information to the client terminal of the loan customer when the interest delinquency information of the loan customer exceeds a set date, and repays the loan through the sale procedure of collateral a foreclosure treatment guide module for performing a guide procedure by transmitting information that this may occur; If the interest delinquency information is not resolved despite the lapse of a predetermined period after performing the above guidance procedure, a foreclosure processing module that transmits a request to send collateral to the client terminal and information stating that civil and criminal liability is attributed in case of violation thereof; ; a collateral sending management module that provides an interface for inputting information related to whether the collateral is sent or not, and checks whether the collateral is sent based on the information input through the interface; a foreclosure processing completion module for terminating the loan contract of the collateral when the information attributable to the ownership of the collateral is input; and a legal action guide module for transmitting information guiding the progress of a legal action to the client terminal in case of non-transmission of the collateral or fraud of the collateral.

As a technical means for achieving the above technical problem, the non-collateral pawnshop automation method according to an embodiment of the present invention receives at least one collateral image and collateral input information through a client terminal, and then, based on the received at least one collateral image and collateral input information, the value of collateral A first step of evaluating a loan customer, a second step of confirming the identity information of the loan customer based on the ID image of the loan customer and the input information of the loan customer through the client terminal, and the second step of the client terminal After receiving the loan receiving account information of the loan customer, the third step of checking whether the loan customer's account information is real name based thereon, and comparison between the identified loan customer identity information and the real name confirmed loan account Step 4 is to determine whether the match is made through the A fifth step of transmitting to the client terminal and receiving in response thereto, and generating secured loan contract information including a loanable amount, loan period, and interest rate based on the evaluated value of collateral, and sending it to the client terminal It may include a sixth step of concluding a secured loan contract for receiving and storing the consent information of the customer.

According to an embodiment of the present invention, in the fifth step, when the loan is overdue and the loan is repaid by selling the collateral, the loan customer is obliged to deliver the collateral to the designated place The method may further include transmitting information guiding the imposition of civil and criminal liability to the client terminal, and receiving the consent.

According to an embodiment of the present invention, the method for automating the non-secured pawnshop includes providing an information providing step of providing a loan amount and loan receiving account information based on the secured loan contract information, and matching the loan amount to the loan receiving account information A remittance step of remittance to an account to be used, a guide step of providing information on loan repayment and interest payment to the client terminal, a delinquency management step of checking and managing whether the loan customer has paid interest, and repayment of the loan customer’s principal It may further include a repayment management step of checking and managing whether or not.

According to an embodiment of the present invention, in the remittance step, the loan money may be remitted according to the input of the manager's approval information.

According to an embodiment of the present invention, the delinquency management step transmits the interest delinquency information to the client terminal of the loan customer when the interest delinquency information of the loan customer exceeds a set date, and repays the loan through the sale procedure of collateral performing a guidance procedure by transmitting information that this may occur; Transmitting information stating that civil and criminal liability is attributable, providing an interface for inputting information related to whether or not the collateral is sent, and confirming whether the collateral is sent based on the information input through the interface and terminating the loan contract of the collateral when the information attributable to the ownership of the collateral is input; .

According to the above-described embodiment of the present invention, it is possible to use the pawnshop loan service without a visit through a system that processes all loan processes online without storing collateral and uses collateral as collateral, and handles collateral in case of delinquency to protect against loan loss. By providing a pawnshop automation system and method for non-collateral storage, the pawnshop service can be activated by enhancing the convenience of users of collateral-based loan services.

In addition, according to the above-described embodiment of the present invention, non-face-to-face collateral loan using a network is possible through collateral non-custodial secured loan.

In addition, according to the above-described embodiment of the present invention, it is possible to reduce the cost of storing and moving collateral through non-storage of collateral.

1 is a configuration diagram showing the overall configuration of a pawnshop automation system for non-collateral storage according to an embodiment of the present invention.
2 is a block diagram illustrating a detailed configuration of a loan contract unit in an automated system for non-secured pawnshops according to an embodiment of the present invention.
3 is a block diagram illustrating a detailed configuration of a loan contract management unit in the non-collateral pawn shop automation system according to an embodiment of the present invention.
Figure 4 is a block diagram showing the detailed configuration of the overdue management unit in the non-collateral pawn shop automation system according to an embodiment of the present invention.
5 is a flowchart illustrating an overall process of a method for automating a pawnshop without collateral according to an embodiment of the present invention.
6 is a flowchart illustrating a firm banking and overdue management process of a pawnshop automation method for non-collateral storage according to an embodiment of the present invention.
7 is a flowchart illustrating a delinquency management process of a pawnshop automation method for non-collateral storage according to an embodiment of the present invention.

Hereinafter, specific embodiments of the present invention will be described with reference to the drawings. The following detailed description is provided to provide a comprehensive understanding of the methods, devices, and/or systems described herein. However, this is merely an example, and the present invention is not limited thereto.

In describing the embodiments of the present invention, if it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. And, the terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the content throughout this specification. The terminology used in the detailed description is for the purpose of describing embodiments of the present invention only, and should in no way be limiting. Unless explicitly used otherwise, expressions in the singular include the meaning of the plural. In this description, expressions such as “comprising” or “comprising” are intended to indicate certain features, numbers, steps, acts, elements, some or a combination thereof, one or more other than those described. It should not be construed to exclude the presence or possibility of other features, numbers, steps, acts, elements, or any part or combination thereof.

Hereinafter, with reference to the accompanying drawings, a system and method for automating a pawnshop for non-collateral storage will be described.

1 is a block diagram showing the overall configuration of a pawnshop automation system without collateral according to an embodiment of the present invention. 3 is a block diagram illustrating the detailed configuration of a loan contract management unit in the non-collateral pawn shop automation system according to an embodiment of the present invention, and FIG. 4 is a collateral non-custody pawn shop automation according to an embodiment of the present invention It is a block diagram showing the detailed configuration of the overdue management unit in the system.

As shown in FIG. 1, the pawnshop automation system without collateral is to perform a loan based on collateral. there is.

The client terminal 10 includes essential devices capable of uploading and transmitting image information of collateral, identity information of loan customers, and related information required for loan to the pawnshop automation system not storing collateral, and includes a camera, an image storage device, an input/output device, It may include a network communication device and the like.

The non-collateral pawnshop service providing server 200 evaluates the value of the collateral and executes a loan based thereon. It may include a delinquency management unit 16 and a database 18 for managing them.

First, the loan contract unit 12 includes a collateral value evaluation module 20, a loan customer identification information confirmation module 30, a loan account real name inquiry module 40, a loan customer/account matching confirmation module 50, the collateral It may include a provision guidance/consent module 60 and a loan contract module 70 and the like.

The collateral value evaluation module 20 may receive at least one collateral image and collateral-related input information received from the client terminal 10 and evaluate the value of the collateral based on the information. As a specific example, it is possible to determine what kind of product the collateral is through comparative analysis between a plurality of images of the same product as the collateral stored in the database 18 and the uploaded collateral image, or information about the product stored in the database 18 and input of collateral By comparing information, it is also possible to determine whether an accurate collateral is provided. In addition, it is also possible to determine the authenticity of a plurality of fake images by distinguishing the features of the fake from the real image through machine learning through object recognition technology. It is possible to learn object recognition technology by machine learning through Google's TensorFlow program, and it is also possible to increase the efficiency of judgment of authenticity by reflecting human know-how.

Specifically, the collateral valuation module 20 searches for a product image with similarity in the database 18 primarily based on the collateral image, and compares the product information tagged with the product image with the collateral-related input information. By checking step by step, it is possible to grasp whether collateral is provided.

In an embodiment of the present invention, the collateral-related input information can be directly set or input by the client through the interface provided by the collateral value evaluation module 20 of the pawnshop automation system for non-collateral storage, for example, a product corresponding to collateral. Status, product information, date of purchase, purchase receipt, period of use, etc. may be mentioned, but are not limited thereto.

To this end, a plurality of images of a product, product information tagged to each image, and characteristic values for a new image are stored in the database 18 , and genuine and fake product characteristic information may be stored.

In an embodiment of the present invention, the database 18 may be implemented by an external server. That is, the collateral valuation module 20 provides the collateral image to an external server (not shown) that manages the database 18, for example, an image search server, and in response thereto, an image similar to the collateral image and tagging it It is also possible to determine whether an accurate collateral is provided by receiving the product information.

In addition, in an embodiment of the present invention, the collateral value evaluation module 20 searches or receives a new image corresponding to the collateral image through linking with the database 18, and collateral input information through comparison between the new image and the collateral image accuracy can be estimated.

In addition, the collateral value evaluation module 20 may determine the authenticity of the collateral by comparing and analyzing the characteristics of the genuine and fake items stored in the database 18 and the characteristic information of the uploaded collateral image.

In addition, the collateral value evaluation module 20 is connected to the used site through the API to receive market price data on the collateral to estimate the value of the collateral, or through average data on the price of collateral in the past for each brand or product. It is also possible to estimate the collateral value.

In addition, the collateral value evaluation module 20 provides an interface for inputting a used price for each product through the manager, and may estimate the collateral value of the collateral based on the used price input through the interface.

In addition, the collateral value evaluation module 20 may calculate the rate of collateral value decline based on information such as the type and characteristics of the collateral.

As described above, the collateral value evaluation module 20 according to the embodiment of the present invention provides the correct collateral authenticity, accuracy of collateral input information, market price data, average data on the decline in middle and high prices, or the collateral estimated by the used price. Value evaluation information of collateral can be generated based on value, collateral value decline rate, and the like.

Loan customer identification information confirmation module 30 identifies the identity information of the loan customer based on the receipt of the ID image and the input loan customer identification information. It is possible to grasp information such as name, resident registration number, and address required for a loan contract. As a specific example, it is possible to extract text from an image through OCR (Optical Character Recognition) technology, and compare it with the entered identity information through the real name It is possible to confirm

The loan account real name inquiry module 40 may check the real name through the input loan account information. Specifically, the loan account real-name inquiry module 40 can perform a real-name account inquiry in the form of remitting a very small amount such as 1 won and inputting the sender's 4-digit number through the account real-name inquiry technology of Firm Banking. However, the method of checking the account real name is not limited thereto, and there are many ways to determine whether a normal account exists.

Loan customer/account matching module 50 is a module for confirming that the loan customer and the loan account match, and by confirming that the loan policyholder and the person receiving the loan match, it works to lower the accident rate that can occur in non-face-to-face loans can do. As a specific example of the loan customer/account matching check, a simple processing method may be selected in the form of comparing the data of the loan customer identification information verification module 30 and the name of the loan account holder.

Guidance/consent module 60 confirms that both the image and input information of the collateral received from the client terminal 10 are true, and sends a warning to inform that civil and criminal liability is imposed if this is false, and agrees to it It plays a role in receiving information. This not only provides convenience for borrowers to use without having to store collateral offline in non-face-to-face pawnshop loans, but also protects loan loss through civil and criminal liability to borrowers in the event of a collateral problem. It can be a safety device.

In addition, additionally, the collateral provision guidance/consent module 60 can transmit information about loan repayment through the sale of collateral according to loan delinquency to the client terminal 10, and the loan customer because the collateral is kept by the loan customer The risk of non-face-to-face collateral non-custodial pawn loan by sending information informing that there is an obligation to deliver this collateral to a designated place and that civil and criminal liability will be imposed in case of violation thereof, and receiving the consent information from the client terminal 10 can lower

The loan contract module 70 sends loan contract information such as the loanable amount, loan period, and interest rate to the client terminal 10 based on the information confirmed in the modules, and receives and stores the loan agreement information accordingly. contract can be completed.

The loan contract management unit 14 executes a loan based on the loan contract information such as the loanable amount concluded in the loan contract unit 12, the loan period, and the interest rate, and performs a service related to repayment, as shown in FIG. As shown, it may include a loan information output module 90 , a loan remittance firm banking module 100 , a repayment information guide management module 110 , and the like.

The loan amount information output module 90 outputs loan amount information according to a loan contract and information on an account to receive a loan amount. Here, output does not mean output as a document, but the concept of fetching the amount and account information for loan remittance through firm banking.

Based on the information output from the loan information output module 90, the loan remittance firm banking module 100 may remit the output amount to the output account. However, in consideration of the nature of remittance, it is also possible to enable remittance only when the administrator's approval information is input.

A repayment information guide management module 110 for guiding information such as the amount and date of loan repayment and interest payment to the client terminal 10 may be included.

A delinquency management unit 16 for checking and managing the interest payment of the loan customer may be included.

In an embodiment of the present invention, the delinquency management unit 16 issues a virtual account corresponding to the loan customer and compares and confirms whether the information such as the principal and interest and the date stored in the delinquency management unit 16 matches the amount received therein In case of inconsistency, customer information can be managed separately as an overdue list.

The overdue management unit 16, as shown in FIG. 3, includes the foreclosure treatment guide module 120, the foreclosure treatment module 130, the collateral dispatch management module 140, the foreclosure treatment completion module 150, and the law It may include an action guide module 160 and the like.

First, the foreclosure treatment guide module 120 is provided when the interest delinquency information of the loan customer exceeds the set date, for example, when the overdue date required for foreclosure treatment permitted in the pawn loan business exceeds 7 days, the collateral sale procedure Information that loan repayment can be sent through can be transmitted to the client terminal 10 .

If the overdue information is not resolved despite the elapse of the set guidance procedure and period, the foreclosure processing module 130 may send information about the request for sending collateral required for repayment of the loan through the sale of collateral to the client terminal 10 . In this case, it is possible to send information indicating that civil and criminal liability is attributable when the sending of collateral is rejected in addition to the sending of collateral request information. Specifically, the foreclosure processing module 130 transmits information that a loan repayment through the collateral sale procedure can be sent, for example, a message to the client terminal 10. ) can transmit a message corresponding to the information on the request for sending collateral required for loan repayment through the sale of collateral.

The collateral sending management module 140 may manage collateral sending information according to the sending of the collateral sending request information of the foreclosure processing module 130 . Specifically, the collateral sending management module 140 sends collateral in the form of receiving courier information of collateral shipment from the client terminal 10 or inputting information according to collateral collection when an agent for collateral collection is dispatched. information can be managed.

The foreclosure processing completion module 150 may normally terminate the loan contract when information confirming that the collateral is normally collected and the ownership has been returned is input. Specifically, the foreclosure processing completion module 150 may normally terminate the loan contract by deleting the pre-stored loan contract information as information confirming that the collateral is normally collected and the ownership is reverted is input.

The legal action guide module 160 informs the client terminal 10 that information on sending collateral is not input or that abnormal information on receipt of collateral is input and legal action is proceeded accordingly in the case of receipt of abnormal collateral such as counterfeit goods or fraud. can be transmitted

On the other hand, the non-collateral pawnshop service providing server 200 according to the embodiment of the present invention receives information on whether the normal interest payment and principal repayment of the loan contract are provided from the overdue management unit 120, and the repayment management unit that manages the normal termination of the contract (19) may be further included.

Each of the modules as described above may be implemented by an application composed of at least one command or a combination of at least one command or more.

Specifically, the non-collateral pawnshop automation system according to an embodiment of the present invention installs an application in a memory (not shown) in an executable form on the client terminal 10, and then interworks with the application according to the execution of the client's application. Functions executed by the modules may be provided to the client terminal 10 .

5 is a flowchart illustrating a process of performing a loan for collateral in the pawnshop automation system not storing collateral according to an embodiment of the present invention.

As shown in FIG. 5 , the non-collateral pawnshop service providing server 200 generates the value evaluation information of the collateral through the collateral image and collateral input information received from the client terminal 10 ( S100 ). Specifically, the non-collateral pawnshop service providing server 200 is based on the collateral image and collateral input information, based on the correct collateral authenticity, collateral input information accuracy, market price data, average data on the decline of the used price or the middle price. Value evaluation information of collateral can be generated based on the estimated collateral value and the rate of collateral value decline.

The non-collateral pawnshop service providing server 200 may determine the identity information of the loan customer based on the identification image received from the client terminal 10 and the input of the loan customer identification information (S102). It is possible to grasp information such as name, resident registration number, and address required for a loan contract. As a specific example, it is possible to extract text from an image through OCR (Optical Character Recognition) technology, and compare it with the entered identity information through the real name It is possible to confirm

The non-collateral pawnshop service providing server 200 may check whether the loan account is real name through the loan account information input from the client terminal 10 (S104). As a specific example, it is possible to transfer a very small amount such as 1 won through Firm Banking's account real-name inquiry technology and perform an account real-name inquiry in the form of inputting the sender's 4-digit number. However, the method of checking the account real name is not limited thereto, and there are many ways to determine whether a normal account exists.

The non-collateral pawnshop service providing server 200 reduces the accident rate that may occur in non-face-to-face loans by confirming that the loan policyholder and the person receiving the loan match through the information received from the client terminal 10 (S106). can work As a specific example of the loan customer/account matching check, a simple processing method may be selected in the form of comparing the data of the loan customer identification information verification module 30 and the name of the loan account holder.

The non-collateral pawnshop service providing server 200 confirms that both the image and input information of the collateral received from the client terminal 10 are true, and sends a warning informing that civil and criminal liability is imposed if this is false and agrees to it The information is received (S108). This not only provides convenience for borrowers to use without having to store collateral offline in non-face-to-face pawnshop loans, but also protects loan loss through civil and criminal liability to borrowers in the event of a collateral problem. It can be a safety device.

In addition, when a loan delinquency occurs, the non-collateral pawnshop service providing server 200 may transmit information on repayment of the loan through the sale of collateral according to the loan delinquency to the client terminal 10, and the collateral is stored by the loan customer By sending information informing that the borrower is obliged to deliver the collateral to the designated place and that civil and criminal liability will be imposed in case of violation thereof, and receiving the consent information from the client terminal 10 (S110), It can reduce the risk of non-face-to-face collateral non-custodial pawnshop loans.

The non-collateral pawnshop service providing server 200 sends loan contract information such as the loanable amount, loan period, and interest rate to the client terminal 10 based on the information confirmed in the above step, and receives loan consent information accordingly. It can be stored to conclude a loan contract with the client (S112). Specifically, the non-collateral pawnshop automation system may generate information such as a loanable amount, a loan period, and an interest rate based on the value evaluation of the collateral.

6 is a flowchart illustrating a firm banking and overdue management process of a pawnshop automation method for non-collateral storage according to an embodiment of the present invention.

As shown in FIG. 6 , the non-collateral pawnshop service providing server 200 outputs information about the loan amount according to the loan contract and the account to receive the loan amount ( S200 ). Here, the output does not mean the output as a document, but the concept of calling the amount and account information for loan remittance through firm banking.

The non-collateral pawnshop service providing server 200 executes the loan remittance firm banking module 100 based on the information on the account to receive the loan to remit the output amount to the output account (S202). However, in consideration of the nature of remittance, it is also possible to enable remittance only when the manager's approval information is input (S204). Of course, the remittance step according to the input of the manager approval information may be omitted if necessary.

In addition, the non-collateral pawnshop service providing server 200 may provide information such as the amount and date of loan repayment and interest payment to the client terminal 10 ( S206 ).

The non-collateral pawnshop service providing server 200 may perform a delinquency management step of checking and managing the interest payment of the loan customer through the delinquency management unit 16 (S208). As a detailed example of the delinquency management step, a virtual account corresponding to the loan customer is issued, the amount received therein, and information such as the principal, interest and date stored in the delinquency management unit 16 are compared and checked, and if there is a discrepancy, the delinquency list This may include separately managing customer information.

Specifically, in the delinquency management step (S208), a virtual account corresponding to the loan customer is issued, and the amount deposited through the monitoring of the virtual account is compared with the principal and interest stored in the delinquency management unit 16 and the date to determine whether they match. If the judgment result does not match, the loan customer information can be added to the overdue list and managed.

The non-collateral pawnshop service providing server 200 may perform a normal contract termination step ( S210 ) as the overdue management unit 16 obtains information on whether the loan contract is in normal interest payment and principal repayment.

7 is a flowchart illustrating a delinquency management process of a pawnshop automation method for non-collateral storage according to an embodiment of the present invention.

Specifically for the delinquency management step (S208), the collateral non-custodial pawnshop service providing server 200, when the interest delinquency information of the loan customer exceeds the set deadline, for example, in the processing of foreclosure permitted in the pawnshop business. When the required overdue date of 7 days is exceeded, the foreclosure treatment guide step (S300) of transmitting information that loan repayment through the collateral sale procedure can be sent to the client terminal 10 may be performed.

In addition, the non-collateral pawnshop service providing server 200 transmits the collateral transmission request information necessary for repayment of the loan through the sale of collateral to the client terminal 10 when the overdue information is not resolved despite the elapse of the set guidance procedure and period. It is possible to perform the foreclosure treatment step (S302) that can be sent. At this time, the non-collateral pawnshop service providing server 200 according to an embodiment of the present invention transmits information that civil and criminal liability is attributed when the collateral is rejected in addition to the sending of the collateral request information.

In addition, the collateral non-storage pawnshop service providing server 200 may additionally perform the collateral sending management step (S304) of managing collateral sending information according to the sending of collateral sending request information of the foreclosure processing module 130 . Specifically, the non-collateral pawnshop service providing server 200 receives the courier information as collateral sending information from the client terminal 10 or when an agent for collateral collection is dispatched, the collateral collection information is input from the terminal of the special agent. By receiving the received information, it is possible to perform the dispatch management step (S304).

In addition, the non-collateral pawnshop service providing server 200 may perform the foreclosure processing completion step (S306) of normally terminating the loan contract when information confirming that the collateral is normally collected and the ownership has been transferred is input.

In addition, the non-collateral pawnshop service providing server 200 sends information to the client that information on sending collateral is not input or that abnormal information on receipt of collateral is inputted, and legal acts are carried out accordingly, in the case of receiving abnormal collateral such as fakes or fraud. A legal act guidance step (S308) transmitted to the terminal 10 may be performed.

The foregoing description of the present application is for illustration, and those of ordinary skill in the art to which the present application pertains will understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present application. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be construed as being included in the scope of the present application. .

10: client terminal
12: loan contract
14: Loan contract management department
16: overdue management department
18: database
19: Reimbursement Management Department
20: collateral valuation module
30: Loan customer identification information confirmation module
40: Loan account real name inquiry module
50: Loan customer/account matching module
60: Guidance/consent module for providing collateral in good faith
70: loan contract module
90: loan amount information output module
100: Loan remittance firm banking module
110: repayment information guide management module
120: foreclosure treatment guide module
130: foreclosure treatment module
140: collateral sending management module
150: foreclosure treatment complete module
160: legal act guide module

Claims (10)

After receiving at least one collateral image and collateral input information through the client terminal, the value of collateral is evaluated based on the received collateral image, and a product image with similarity is searched in the database based on the received collateral image, and the searched a collateral value evaluation module for evaluating the value of collateral after checking the product information tagged on the product image and collateral-related input information by comparison;
a loan customer identification information confirmation module for receiving the loan customer's ID image and the loan customer's input information through the client terminal, and then confirming the loan customer's identity information based thereon;
a loan account real name inquiry module for receiving the loan money receiving account information of the loan customer through the client terminal and checking whether the loan customer's account information is real name based thereon;
a loan customer/account coincidence checking module for determining whether or not they match through comparison between the identified identity information of the loan customer and the identity of the loan account whose real name is confirmed;
Guidance/ consent module; and
Based on the value evaluation of the collateral of the collateral value evaluation module, the collateral loan contract information including the loanable amount, the loan period and the interest rate is generated and then provided to the client terminal, and the customer's consent information is received and stored accordingly Includes a loan contract module,
The collateral fidelity provision guidance/consent module is,
In the event that the loan is delinquent and the loan is repaid by selling collateral, the client provides information that informs that the borrower is obliged to deliver the collateral to a designated place and that civil and criminal liability will be imposed if the loan is violated. Non-secured pawnshop automation system, characterized in that it further comprises a function of transmitting to the terminal and receiving consent information therefor.
delete The method of claim 1,
The collateral non-storage pawnshop automation system,
a loan amount information output module for providing loan amount and loan receipt account information based on the secured loan contract information;
a loan remittance firm banking module that remits the loan amount to an account corresponding to the loan receivable account information;
a repayment information guide management module for providing information on loan repayment and interest payment to the client terminal;
a delinquency management module for checking and managing loan customers' interest payments; and
Collateral non-storage pawnshop automation system, characterized in that it further comprises a repayment management module for checking and managing whether the principal repayment of the loan customer.
4. The method of claim 3,
The loan remittance firm banking module,
As the manager's approval information is input, the loan money is remitted.
4. The method of claim 3,
The overdue management module,
When the interest delinquency information of the loan customer exceeds the set date, the interest delinquency information is transmitted to the client terminal of the loan customer, and information that loan repayment may occur through the sale procedure of collateral to perform a guidance procedure. a foreclosure treatment guide module;
If the interest overdue information is not resolved even after a predetermined period has elapsed after performing the above guidance procedure, a foreclosure processing module that transmits a request to send collateral to the client terminal and information stating that civil and criminal liability is attributed in case of violation thereof; ;
a collateral sending management module that provides an interface for inputting information related to whether the collateral is sent or not, and checks whether the collateral is sent based on the information input through the interface;
a foreclosure processing completion module for terminating the loan contract of the collateral when the information attributable to the ownership of the collateral is input; and
Non-collateral pawnshop automation system, characterized in that it further comprises a legal action guide module for transmitting information guiding the progress of the legal action to the client terminal in the case of the non-delivery of the collateral or the fraud of the collateral.
After receiving at least one collateral image and collateral input information through the client terminal, the value of collateral is evaluated based on the received collateral image, and a product image with similarity is searched in the database based on the received collateral image, and the searched A first step of evaluating the value of the collateral after checking the product information tagged in the product image and the collateral-related input information by comparison;
a second step of receiving the loan customer's ID image and the loan customer's input information through the client terminal, and then checking the loan customer's identity information based on it;
A third step of receiving the loan receipt account information of the loan customer through the client terminal, and then checking whether the loan customer's account information is real name based on it;
Step 4 is to determine whether the identity information of the borrowed customer and the identity of the loan account confirmed in the real name are matched to determine the match;
A fifth step of confirming that all the images and information of the collateral received from the client terminal are true, and sending a warning message informing that civil and criminal liability is imposed if it is false to the client terminal and receiving in response thereto;
Based on the value of the evaluated collateral, the secured loan contract information including the loanable amount, loan period, and interest rate is generated, provided to the client terminal, and received and stored customer consent information accordingly. a sixth step of fastening;
The fifth step is
In the event that the loan is delinquent and the loan is repaid by selling collateral, the client provides information that informs that the borrower is obliged to deliver the collateral to a designated place and that civil and criminal liability will be imposed if the loan is violated. Transmitting to the terminal and receiving the consent of the non-collateral pawnshop automation method, characterized in that it further comprises the step of.
delete 7. The method of claim 6,
The method of automating the pawnshop for non-collateral storage,
an information providing step of providing loan amount and loan receipt account information based on the secured loan contract information;
a remittance step of remitting the loan amount to an account corresponding to the loan receiving account information;
A guide step of providing information on loan repayment and interest payment to the client terminal;
A delinquency management step of checking and managing the interest payment of the loan customer; and
Non-collateral pawnshop automation method, characterized in that it further comprises a repayment management step of checking and managing whether the principal repayment of the loan customer.
9. The method of claim 8,
The remittance step is
A pawnshop automation method for non-secured collateral, characterized in that the remittance of the loan according to the manager's approval information is input.
9. The method of claim 8,
The overdue management step is,
When the interest delinquency information of the loan customer exceeds the set date, the interest delinquency information is transmitted to the client terminal of the loan customer, and information that loan repayment may occur through the sale procedure of collateral to perform a guidance procedure. step and
If the interest delinquency information is not resolved despite the lapse of a predetermined period after performing the guidance procedure, transmitting a request for sending collateral to the client terminal and information stating that civil and criminal liability is attributable in case of violation;
providing an interface for inputting information related to whether the collateral has been sent, and confirming whether the collateral is sent based on the information input through the interface;
terminating the loan contract of the collateral when the information attributable to the ownership of the collateral is input;
In case of non-transmission of collateral or fraudulent collateral, the method further comprising the step of transmitting information guiding the progress of a legal act to the client terminal.

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