JP2001306805A - Method for loaning money on collateral capable of being legally mortgaged, method and system for loaning money on automobile, program product with stored processing program for loaning money on automobile, and used car sales support system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system which registers and manages information on plural vehicles in stock, which a used car sales company possesses, through a computer network and assesses the sum total of their mortgage values on the basis of data of vehicles in stock to determine the amount of loan and manages mortgage right setting information. SOLUTION: The sales company performs processing of an application for loan examination on a sales company terminal 40 (S10). A banking organ accepts this application and uses a banking organ terminal 60 to perform loan examination for this sales company and sets a contract condition and reports the result to the sales company (S11). The sales company establishes a connection with a business support server system 10 through a network 20 to display a loan application picture. If the sales company has passed the examination, the sales company examines contract conditions presented by the banking organ to decide whether it should be loaned or not (S13). When a button for an application for loan is pressed on the picture display for taking out a loan, a signal is transmitted to the business support server system.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for financing money by setting a mortgage on a car or the like.

[0002]

2. Description of the Related Art Financial institutions, etc.,
When providing credit and lending money, various types of collateral systems have been established as a system to secure the repayment of debts in advance, taking into account the danger of creditors (financial institutions) that will be received if the debtors do not fulfill their debts. ing. The security includes a guarantor that is a personal security, a pledge that is a physical security, and a mortgage. Of these, the mortgage gives priority payment from the price of the property in the event of default, while leaving certain rights such as real estate provided by the debtor or third party as collateral for the debt to the revenue of the collateral provider. The right to receive This mortgage, unlike a pledge, does not require delivery of the object, and therefore cannot be used in public notice with possession. For this reason, the object is limited to those with a registration and registration system. The Civil Code stipulates that only land, buildings, ground rights, and tenant rights can be used as objects.However, due to the convenience of being able to provide the security without handing over the objects, movable and other production facilities Has also been recognized as a security object by special law. The increased number of mortgageable objects has increased the opportunity for credit creation and has become an indispensable system for corporate economic activity.

[0003] According to the automobile mortgage law, which is a kind of this special law, it is recognized that automobiles are subject to a mortgage. An automobile cannot be used for service unless it is registered in the automobile registry at the Ministry of Transport's Land Transport Office in accordance with the Road Transport Vehicle Act. Subsequent to this registration, both the transfer of ownership and the creation of a mortgage are required by the registration to compete against third parties. Car mortgage lending uses the above-mentioned system to leave the vehicle, which is the object of the collateral, at the hands of the collateral provider and to secure the collateral while continuing to use it.
It is characterized by financing. In other words, the debtor, that is, the owner of the car, has a great advantage that "you can borrow money while riding your own car". On the other hand, for a creditor, by setting up a mortgage on a car that has a value equal to or higher than the value of the claim, if the debt is no longer repaid due to bankruptcy or bankruptcy of the debtor, the mortgage is executed and the total amount of the claim Can be recovered. A mortgage is effective by a mortgage agreement between a creditor (called a mortgagee) and a mortgage provider (called a mortgage creator, not necessarily a debtor). Without the registration to that effect, the existence of a mortgage cannot be opposed to a third party. In other words, even if the mortgage setting agreement is concluded and the mortgagee A sells the car without permission and transfers the ownership to the third party C before the registration, the mortgagee B becomes C can no longer claim that it is a mortgaged car. Therefore, once a mortgage is established, it is important to immediately register the mortgage. In addition,
The "Aircraft Mortgage Act" allows for the creation of mortgages on aircraft. The mortgage of aircraft of Japanese nationality is a counter requirement by registering in the aircraft register. The "Construction Machine Mortgage Law" also allows construction companies to set up mortgages by registering the preservation of ownership of the machinery used in certain construction works in the construction machinery registry. Once this registration is made, any change in the ownership or mortgage of the construction equipment is a requirement of opposition with the registration.

[0004]

The mortgage, by the way,
Since the loan guarantees a specific debt, if the loan is extinguished, the mortgage will be extinguished at the same time. For this reason, one car is usually provided as collateral for one loan contract, but since the car is a durable consumer product, its market value, that is, its collateral value declines due to an increase in the number of years and mileage. Therefore, the loan limit for a single vehicle as collateral is much lower than that for real estate. In addition, since the price difference of used cars is large depending on the model, grade, year, mileage, color, etc., it takes a lot of time to assess the collateral value, and it is assessed much lower than the expected market price. In many cases. Therefore, it is extremely difficult for a used car sales company or the like to obtain a certain amount of financing, such as working capital, from a financial institution using the stock vehicles for sale as collateral.

Accordingly, a first object of the present invention is to register and manage information on a plurality of stocked vehicles owned by a used car sales company in a computer such as a database via a computer network such as the Internet, By assessing the total collateral value based on the vehicle data, determining the loan amount, and managing the mortgage setting information,
An object of the present invention is to provide a monetary loan method and system that allow a financial institution to reasonably manage the risk of default.
A second object of the present invention is to provide such a system so that a used car sales company can easily obtain operating funds and funds for business expansion from a financial institution. The used car sales company will widely disseminate the stock vehicle information registered in the company over the communication network such as the Internet at its own will to promote sales of vehicles provided as collateral,
An object of the present invention is to provide a system for supporting the repayment of a loan amount.

[0006]

According to the first aspect of the present invention, there is provided a method of financing money using a security object that can be settled by a statutory mortgage. A first step of acquiring data and registering it in a database; a second step of acquiring various data related to collateral registered in the database and calculating a lending amount available for the collateral subject; ,
Third, the calculated loanable amount is presented to the loan applicant.
And a step of:

The invention according to claim 2 is a method for financing money with a vehicle as collateral, comprising: a first step of acquiring various data relating to a vehicle for which a mortgage is set and registering it in a database; A second step of acquiring various data relating to the vehicle registered in the database and calculating a lending amount for the vehicle;
Third, the calculated loanable amount is presented to the loan applicant.
The first object is achieved. According to a third aspect of the present invention, in the second aspect of the present invention, the first method acquires various data relating to the automobile for which the mortgage is set and registers the data in a database.
And the third step of presenting the calculated loanable amount to the loan applicant is performed by communication using a computer.

According to a fourth aspect of the present invention, in the second or third aspect of the invention, the data of the vehicle registered in the database in the first step is the name of the vehicle, the model, the color, and the contents of the equipment. , The running distance. According to the fifth aspect of the invention, the second and third aspects are provided.
Alternatively, in the invention according to claim 4, a fourth step of acquiring various data relating to past used car sales and registering the same in the database, and setting various types of data relating to used car sales registered in the database to establish a mortgage. And a fifth step of calculating a market price of the target vehicle. In the second step, a financing amount is calculated based on the calculated market price. In the invention according to claim 6, in the invention according to claim 5,
The various data relating to the sale of past used cars acquired in the fourth step are a car name, a model, a color, contents of equipment, mileage and a selling price of the car.

According to the invention described in claim 7, in the invention described in claim 5 or claim 6, in the second step,
When calculating the amount that can be financed based on the calculated market price, it is characterized in that it is calculated by multiplying the set market price. In the invention described in claim 8, in the invention described in claim 2, claim 3, claim 4, claim 5, claim 6, or claim 7, the amount that can be financed is presented in the third step. A sixth step of receiving a loan application or a loan decline from a loan applicant by communication using a computer is provided.
10. The system according to claim 9, wherein the system is a system for financing money with a vehicle as collateral, wherein the registration unit acquires various data relating to the vehicle for which a mortgage is set and registers the acquired data in a database. Calculating means for acquiring various data related to the vehicle registered in the vehicle and calculating a lending amount applicable to the vehicle, a presentation unit for presenting the lending amount calculated by the calculating unit to a loan applicant; The first object is achieved by providing the following.

[0010] According to a tenth aspect of the present invention, in the invention of the ninth aspect, there is further provided a receiving means for receiving a loan application or a decline of the loan from the loan applicant whose amount has been presented by the presenting means, It is characterized in that the acquisition of various data by the registration means, the presentation of the financing amount by the presentation financing means, and the reception of the application or decline by the receiving means are performed by communication using a computer. According to the eleventh aspect, in the ninth aspect or the tenth aspect,
The invention described in the above description further includes a disclosing means for disclosing various data relating to the vehicle registered in the database to a third party through communication using a computer. According to the twelfth aspect of the present invention, there is provided a function of financing money with a vehicle as collateral, a function of acquiring various data relating to a vehicle for which a mortgage is set and registering the data in a database, A calculation function that obtains various data related to the registered vehicle and calculates the amount that can be financed for the vehicle, and a presentation function that presents the loanable amount calculated by this calculation function to the loan applicant The first object is achieved by providing a program product that stores a program for performing a loan process on a vehicle that can be read by a computer so as to be implemented on a computer. A program for causing a computer to realize the functions described in claim 12 may be a transmission medium storing the program, a program carrier, or a program signal. The program product refers to various products that include the program or physically exist in the program, and the corresponding product includes a storage medium that implements the functions by the program, a server computer system,
Examples include network computers, computer systems, computers, and other products.

[0013] The invention according to claim 13 is a system for supporting the sale of a used car through communication of a computer, in which various data including the price of the used car scheduled to be sold are registered in a database. Registration means, and browsing means by which a plurality of traders or general users access the database to view the registered contents;
When the registration means registers various data, the price can be set for each browsing trader or general user, thereby achieving the second object. Claim 14
According to the invention described in claim 13, in the invention according to claim 13, a trader or a general user who accesses the database by the browsing means and browses various data related to a used car,
If the user wants to purchase the used car at the presented price, the system is further provided with ordering means for directly ordering the purchase intention to a company that has registered the used car.

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to FIGS. (1) Overview of Embodiment In the present embodiment, a management support server system 10 is provided, and the management support server system 10 is connected to a network such as a LAN (local area network) or the Internet or communication, and is used as a used car sales company. An e-commerce market is developed between financial institutions and financial institutions related to loan contracts. Further, the management support server system 10 is connected to the management support server system 10 via a network such as a LAN or the Internet or through communication, and an electronic transaction market relating to car sales is developed between a used car sales company and other used car sales companies and general users. . That is, a mechanism (method, system) for concluding a money lending contract between a used car sales company and a financial institution through the management support server system 10 is provided. This enables financial institutions to grasp in real time detailed information on stock vehicles provided as collateral, making it possible to accurately determine whether to make a loan in a short period of time and to ensure thorough credit management after the loan. Can be.

[0013] A mechanism is also provided in which a sales company provides registered inventory vehicle information on a network such as the Internet. As a result, the sales company that has received the loan can disclose detailed information of the stock vehicle that is the collateral to other used car sales companies or general users as necessary, and facilitate sales promotion. be able to.

(2) Details of the Embodiment FIG. 1 is a diagram showing the overall system configuration of the vehicle-backed electronic financing system according to the present embodiment. As shown in FIG. 1, the electronic financing system includes a management support server system 10, and the management support server system 10
0, sales company terminals 40 and 50, financial institution terminal 60, and user terminal 70 are connectable.

In this embodiment, a management support server system 10, a comprehensive management terminal 30, a sales company terminal 40,
The financial institution terminal 50, the financial institution terminal 60, and the user terminal 70 mutually transmit and receive various data via the Internet, which is the network 20. Network 20
Is not limited to the Internet, but includes a captain system, LAN, WAN (wide area
Network) or any other network capable of transmitting and receiving data. This network 20 may or may not include a smaller network or sub-network than the network 20. Furthermore,
This network 20 includes the management support server system 1
0, each terminal, and each terminal may be a network connected by any of wired, wireless (including communication using a communication satellite), or both, a network using only a dedicated line, and a switching line partially including a dedicated line. , Or a public line network that does not include a dedicated line. Further, as long as data transmission / reception is possible, it is not always necessary to connect with a network.

The management support server system 10 is a central part of various contract processing and the like in the present embodiment.
Database server 13 having various databases
And WWW (World Wide Web) Server 1
1. It is composed of a computer such as an application server 12 which controls and integrally manages these servers. On the other hand, as each of the terminals 30 to 70, a personal computer having browser software connectable to the Internet is used. Further, each of the terminals 30 to 70 may use a game machine, a television, other home appliances, a PAD (information terminal), a communication-dedicated portable terminal, a mobile phone, or the like, which has a built-in computer system and is compatible with the Internet. Good. In FIG. 1, the integrated management terminal 3
0, the sales terminal 40, 50, the financial institution terminal 60, and the user terminal 70 are shown as being connected one by one. However, in reality, a plurality of terminals are targeted, and a plurality of terminals are connected at the same time. There is also.

The management support server system 10 includes a WWW server 11, an application server 12, and a database server 13, as shown in FIG.
The database server 13 includes a sales company DB (database) 131, a financial institution DB 132, a user DB
133, stock information DB 134, and contract information DB 135
And a market price DB 136. First, the sales company DB 131 stores sales company information, which is information on used car sales companies registered in the present system. As the sales company information, for example, a sales company code (ID) for specifying a used car sales company, a password, a company name, an address,
There are data items such as telephone numbers, e-mail addresses, and location map information. The financial institution DB 132 stores financial institution information, which is information on financial institutions such as banks, shinkin banks, credit unions, anonymous associations, and non-banks registered in the present system. The financial institution information includes, for example, data items such as a financial institution code (ID) for identifying the financial institution, a password, a company name, an address, a telephone number, and an E-MAIL address.

The user DB 133 stores user information which is information of users registered in the present system. The user information includes, for example, a user code (ID) for identifying a user, a user name, a company name,
There are data items such as an address, a telephone number, and an E-MAIL address. The stock information DB 134 includes a sales company DB 131
Are registered in the sales company terminals 40 and 50
The vehicle information about each stock vehicle registered by using is stored. As the vehicle information, for example, a vehicle code for specifying the vehicle, a vehicle manufacturer, a vehicle name, a model, a color, contents of equipment, mileage, an actual purchase price, a dealer sales price, a retail price, and the like are stored. . The contract information DB 135 includes the sales company stored in the sales company DB 131 and the financial institution D
B132, which is provided as the content of the loan contract and the collateral thereof, which have been concluded with the financial institution stored in B132,
It stores security value information of each vehicle to which a mortgage is set. In the market price DB 136, for each type of vehicle,
It stores the market sale price at the used car auction and the like at the moment.

The WWW server 11 has terminals 30 to 70
Has an interface function between the terminal 3
Various types of request information are received from the terminals 0 to 70, and the processing results of the server are transferred to the terminals 30 to 70 via the network 20 as display information. The application server 12 controls the database server 13 in response to a processing request from each of the terminals 30 to 70 transmitted through the WWW server 11, and calls necessary information from information stored in each of the DBs 131 to 136, and Is processed, and the processing result is sent to each terminal 30 through the WWW server 11.
The display information is transmitted to 70. Also, if necessary, each DB
Information and processing results are stored in 131 to 136.

The sales company terminals 40 and 50 are terminals for each sales company to register inventory vehicle data in the inventory information DB 134, and have an input unit, a display unit, a storage unit, a communication control unit, and the like. The section stores a communication program for connecting to the management support server system 10, an operation program for performing registration processing of stock vehicles, a terminal ID for specifying the terminal, and the like. The financial institution terminal 60 allows the financial institution to view the sales company information and its stock vehicle information, examine whether or not the sales company that wants the loan is eligible for financing, file a loan contract, and obtain a mortgage for the secured vehicle. A terminal for performing right setting management and the like, including an input unit, a display unit, a storage unit, a communication control unit, and the like.
A communication program for connecting to the terminal, an operation program for performing contract processing, a terminal ID for specifying the terminal, and the like are stored.

The user terminal 70 allows the purchaser of the sold vehicle disclosed by the WWW server 11 on the network 20 to display the detailed information of the vehicle, make a decision for purchase, and conclude a sales contract with the sales company. Terminal for performing a procedure for performing the operation, an input unit, a display unit, a storage unit,
The communication unit has a communication control unit and the like, and the storage unit stores a communication program for connecting to the management support server system 10, an operation program for performing contract processing of a vending vehicle, a terminal ID for specifying the terminal, and the like. . The comprehensive management terminal 30 has an operation / management function of the comprehensive management support server system 10, and sales company terminals 40 and 50, a financial institution terminal 60, and a user connected to the management support server system 10 via the network 20. The terminal has all the functions of the terminal 70. The general management terminal 30 is a terminal for managing the entire system from a remote location. An input unit, a display unit, a storage unit, a communication control unit, and the like, wherein the storage unit is a communication program for connecting to the management support server system 10,
An operation program for operating and managing the system,
A terminal ID for identifying the terminal is stored.

Next, the operation of the thus-configured electronic financing system of the present embodiment will be described. In this system, in order to ensure the security of transactions, only users registered in the system, that is, sales companies, financial institutions, and general users can use the system. First, a registration process for a person who wants to use the system to register the system will be described. The sales company accesses the management support server system 10 from the sales company terminal 40 via the network 20 and requests user registration. Then, the application server 12 in the management support server system 10
Sends a site screen for user registration by controlling the WWW server 11 in response to this, and receives it and displays it on the property sales company terminal 40. Then, registration data such as company name, address, telephone number, E-MAIL address, location map information, password, annual sales amount, etc., which are items that are prompted to be input on this site screen, are input and transmitted. This requests the management support server system 10 for user registration.

Upon receiving the user registration request, the WWW server 11 of the management support server system 10 transfers the transmitted data to the application server 12, and the application server 12 judges the contents of the data and stores the data in a database. Sales company D of server 13
Store it in B131. At this time, database server 1
3 is a sales company code (ID) for identifying a user
Is generated and stored in the sales company DB 131 together with the registration data. The database server 13 is a sales company DB 13
After the update processing of No. 1, a registration completion signal is transmitted to the application server 12. Application server 12
Receives this, and controls the WWW server 11 to transmit a registration completion signal to the sales company terminal 40. Sales company ID
Is transmitted to the sales company terminal 40 before the transmission of the registration completion signal or when transmitting the registration site screen, and the property sales company thereafter specifies itself using the sales company ID and the entered password. Will prove it. Upon receiving the registration completion signal, the sales company terminal 40 that has transmitted the registration request displays a message indicating that the registration has been completed on the screen,
Notify the sales company accordingly. As a result, a registered sales company can use this system.

By performing the same processing with the management support server system 10, a financial institution desiring a loan contract registers a user in the financial institution DB 132, and a user desiring to purchase a sales vehicle registers in the user DB 133. . In this case, the same applies to financial institutions and users.
The ID and the password are registered, and thereafter, the self is specified and proved by the ID and the input password. However, in the examination stage of the user, it is also possible to permit the browsing of the vehicle information while maintaining the anonymity without registering.

Next, an inventory vehicle registration process for a sales company to register inventory vehicle information in the management support server system 10 using a terminal will be described. First, the sales company accesses the management support server system 10 from the sales company terminal 40 via the network 20 and requests transmission of a site screen for property registration. Then, the application server 12 in the management support server system 10
In response to this, the WWW server 11 is controlled to transmit a stock vehicle registration site screen (stock vehicle registration screen), which is received and displayed on the sales company terminal 40.
Then, on the displayed inventory vehicle registration screen, the items that are prompted to be entered are the user ID of the sales company, the password, the manufacturer name, product name, purchase price, dealer sales price, and retail price of the vehicle to be registered. After inputting all the information such as mileage (stock vehicle registration data), transmission processing is performed, and the information is transmitted to the WWW server 11 in the management support server system 10 along with the stock vehicle registration request via the network. W
Upon receiving the inventory vehicle registration data together with the inventory vehicle registration request, the WW server 11 transmits this to the application server 12, and the application server 12 registers the received inventory vehicle registration data in the inventory information DB 134. At the time of this registration, the database server 13
Generates the stock vehicle code of the registration target vehicle and stores it in the stock information DB 134 together with the stock vehicle registration data.

After updating the stock information DB 134, the database server 13 updates the sales company DB 131,
A registration completion signal is transmitted to the application server 12. The application server receives this and controls the WWW server 11 to transmit a registration completion signal to the sales company terminal 40. Upon receiving the registration completion signal, the sales company terminal 40 displays a message to the effect that the registration of the property has been completed on the screen, and notifies the sales company of the message. Thereby, the sales company can register the stock vehicle information in the database server 13.

Next, in the car-secured electronic financing system, the sales company actually applies for a loan to a financial institution,
A description will be given of a case in which an automobile is used as an example for each process from a screening for a loan to a conclusion of a contract. FIG. 2 is a flowchart showing an outline of a processing procedure from a loan application procedure to a contract conclusion in the car-secured electronic financing system. First, the sales company performs a loan examination application process on the sales company terminal 40 (step 10). The details of the loan application process will be described later with reference to the flowchart of FIG. Next, in response to the application, the financial institution uses the financial institution terminal 60 to examine the sales company that has applied for the loan to determine whether or not the loan is possible, set contract conditions, and notifies the sales company of the result ( Step 11). Details of the loan examination process of the financial institution will be described later with reference to the flowchart of FIG.

The sales company connects from the sales company terminal 40 to the management support server system 10 via the network 20 to display a loan application screen, inputs an ID, a password, and a loan application number, and sends it to the application server 12. Send. In response to this, the application server 12 reads the examination result of the financial institution and the set financing conditions stored in the contract information DB, and transmits them to the sales company terminal 40. The sales company terminal 40 receives this and displays it on the screen. If the sales company passes the examination (step 12; Y), the contract condition presented by the financial institution is compared with the contract condition desired by the financial institution, and it is determined whether or not to receive a loan (step 13). ). here,
To obtain a loan under the notified contract conditions (Step 1
3; Y), press a “finance application” button on the screen display. Then, a signal is transmitted to the management support server system, and after receiving the signal, the application server 12 transmits the signal to the corresponding financial institution terminal 60 (step 14).
After confirming the financing application notice, the financial institution concludes any one of the following types A and B of a loan contract with the sales company (step 15).

Here, two contract types will be described.
First, the first type is a type of contract in which a mortgage is set for each of a plurality of secured vehicles in one monetary loan contract. In this agreement, the terms of mortgage elimination are contracted for each vehicle, the repayment conditions necessary for elimination of the mortgage are set, and when the mortgage of a certain secured vehicle is to be erased, the same or higher By providing a vehicle with market value as security instead and setting a mortgage on it, it promises that it can be deleted. Next, the second type is a type of contract in which a mortgage is set on one security vehicle in one money lending contract. As a result, multiple contracts are usually concluded at the same time. Therefore, when the repayment of each contract is completed, the mortgage will be deleted.
In addition, in the above contract, when it is desired to eliminate a mortgage on a certain secured vehicle, it is agreed that a vehicle having the same or higher market value will be provided as collateral instead and a mortgage will be set on this to guarantee the mortgage. I do.

After the contract is concluded (step 15), the financial institution inputs contract information such as the contract number, the contract contents, the secured vehicle number, the contract type, the mortgage elimination condition of the secured vehicle from the financial institution terminal 60, and manages the information. Send 10 to the support server system. Then, the application server 12 stores the contract information in the contract information D in the database server 13.
It is stored in B135 (step 16). If the examination fails (Step 12; N), the loan conditions are changed by adding a secured vehicle or reducing the desired loan amount (Step 17; Y), and a re-examination is requested. However, if this is not performed (step 17; N), the contract is not established (step 18). In addition, if the examination is passed (Step 12; Y), but the contract conditions presented by the financial institution cannot be approved (Step 13; N), a collateral vehicle is added in the same manner.
It is possible to apply for reexamination by changing the loan conditions by means such as reducing the desired loan amount (step 17; Y), but if not, (step 1)
7; N), the contract is not established (step 18).

FIG. 3 is a flowchart showing the procedure of processing when a sales company makes a loan application. The sales company that wishes to apply for a loan check is the sales company terminal 40
Is connected to the application server 12 of the management support server system 10 via the network 20 to display the loan application screen shown in FIG. 9 on the sales company terminal 40 (step 20). On this screen, an ID, a car name, a car year, a model, a purchase price, and the like are displayed. Then, when the user inputs the ID and the password and transmits them to the management support server system 10, the application server 12 responds to the input and transmits the inventory information DB of the database server 13.
134, a list of registered stock vehicles of the sales company is read, transmitted to the sales company terminal 40, and displayed on the screen (step 21). The sales company selects one or more vehicles judged to be provided as collateral from the list of stock vehicles displayed on the screen, and presses the “evaluate market value” button. Then, the vehicle code of the selected vehicle is transmitted to the application server 12. The application server 12 receives this and searches the market price DB of the database server 13 to read the market prices of the same type and similar vehicles as the vehicle selected above, and to calculate the respective expected market prices and their totals. Assess the amount, send it to the sales company terminal 40,
The screen shown in FIG. 10 is displayed (step 22).

The sales company confirms the display result and inputs desired loan conditions such as a loan amount and a repayment method (step 2).
3) By pressing the "Request for Loan Examination" button (step 24), the secure vehicle code and each expected market sale price are transmitted to the application server 12. The application server 12 receives this,
Loan examination application data such as a sales company code, a secured vehicle code, each expected market sale price, and a desired loan condition are registered in the contract information DB 135 of the database server 13. At the time of this registration, the database server 13 generates a loan examination reception number, and together with the loan examination application data, contract information D
B135 (step 25). Subsequently, the database server 13
The application server 12 transmits the loan examination acceptance number to the sales company terminal 40 and displays it on the screen. Then, the above-mentioned loan examination application data is transmitted to the financial institution terminal 60 of the financial institution registered in the financial institution DB 132.

FIG. 4 is a flowchart showing a procedure of processing when a financial institution performs a loan check. First, the financial institution terminal 60 receives the data, displays the contents of the loan application data on the screen, and notifies that the financial institution has applied for a loan application (step 30). On the screen of the financial institution terminal 60, the financial institution places a pointer such as a mouse on the company name or the sales company code of the sales company that has applied for the loan check and clicks the mouse, and thereby, the application server 12 is notified. It can transmit a detailed information request signal of the company. Upon receiving this signal, the application server 12 inquires the sales company DB of the database server 13 for detailed information on the company, performs a search, reads the search result, and then transmits the result to the financial institution terminal 60. Financial institution terminal 6
0 receives this and displays the detailed information of the sales company on the screen (step 31). The financial institution confirms this and conducts a credit investigation of the sales company by a credit investigation organization or the like to determine whether or not a loan is possible (step 32).

If it is determined at this stage that financing is not possible (step 33; N), the financial institution terminal 60 notifies the sales company terminal 50 via the application server 12 of the fact (step 39). The application server 12 adds the examination result to the loan examination application data in the contract information DB 135 and updates the data. Then, the loan examination processing ends.

On the other hand, if financing is possible (step 33; Y), a list of vehicles scheduled to be secured is checked to set financing conditions (step 34), and the respective expected market sales prices are checked. The collateral value is assessed with reference to (Step 35). Figure 1 shows the screen of the loan appraisal at this time.
It is shown in FIG. At this time, what percentage of the market price can be financed is set in advance. Further, the ratio may be changed according to each case. When a certain vehicle code listed on the screen of the financial institution terminal 60 is clicked with a mouse pointer, the vehicle code is transmitted to the application server 12, and the application server 12 receives this signal, and stores the stock in the database server 13. The detailed information of the vehicle is inquired to the information DB 134, a search is performed, the search result is read, and then returned to the financial institution terminal 60. The financial institution terminal 60 receives the information and displays the detailed information on the screen shown in FIG. indicate.

The screen shown in FIG. 12 is provided with a collateral value input field for a financial institution to evaluate and enter its collateral value. The financial institution evaluates the collateral value by examining the expected market sale price, actual purchase price, retail price, and various types of detailed information of the vehicle, enters the value in the input box and presses the “register” button, the assessment is performed. The secured collateral value data is transmitted to the application server 12 and stored in the contract information DB 135 of the database server 13. Thereafter, the database server 13 transmits the loan application data to which the collateral value data has been added to the application server 12, and the application server 12 transmits this to the financial institution terminal 60. The financial institution terminal 60 receives this and displays the assessed collateral value data together with the loan application data.

Next, the collateral value is assessed by sequentially clicking on other collateral vehicle codes. The above-mentioned assessment is performed by assessing the ratio of the collateral value to the expected market sale price for each sales company in advance. The collateral value assessment process can be automated. In this case, the data is transmitted to the application server 12 by inputting the collateral value ratio in the collateral value ratio input field prepared at the upper part of the collateral vehicle list display unit and pressing the collective assessment button, This is realized by the arithmetic processing of the application server 12 and displaying the result on the financial institution terminal 60.

By performing the above processing, when the evaluation of the collateral value of each collateral vehicle is completed, the application server 12 calculates the total amount of the collateral value, and stores the total value of the collateral value on the financial institution terminal 60 on the desired loan of the sales company. Display with conditions. On this display, a loan condition input field provided by the financial institution is added (see FIG. 11). At this stage, check the total value of the collateral value and each desired loan condition such as the loan amount desired by the sales company, repayment conditions, etc.
The financing conditions to be presented to the sales company are determined, and the feasibility is examined based on the desired financing conditions (step 36). If financing is possible according to the financing conditions desired by the sales company, the user presses the "OK financing with desired financing conditions" button. Thus, the financial institution terminal 6
From 0, the examination result data is added to the loan examination application data in the contract information DB 135 via the application server 12, and an update process is performed (step 37).
Thereafter, the application server 12 transmits the examination result to the sales company terminal 40 (Step 38). here,
If financing is not possible according to the financing conditions desired by the sales company (FIG. 3, step 12; N), the financing conditions such as the amount of financing presented by the financial institution are entered in the financing condition input field, and then "financing by changing financing conditions Press the "OK" button. As a result, the screening result data is added from the financial institution terminal 60 to the loan screening application data in the contract information DB 135 via the application server 12, and an update process is performed. Thereafter, the application server 12 transmits the examination result to the sales company terminal 40.

FIG. 5 is a flowchart showing a processing procedure in the case where a stock vehicle with a mortgage is set and a mortgage is deleted and a collateral vehicle is added to transfer the ownership to the user. First, the sales company has a sales company terminal 40.
Is connected to the management support integrated server system 10 to display a mortgage erasure application screen (step 40), enter a sales company code (ID), a password and a contract number, and display contract information. A list of stock vehicles provided as security and for which a mortgage has been set is displayed as shown in FIG. 13 (step 41). Here, the vehicle A whose mortgage is to be deleted is selected, and the "collateral replacement" button is pressed (step 42). Here, as shown in FIG. 14, detailed information of the secured vehicle and a list of stock vehicles for which a mortgage is not set are displayed. The list shows the vehicle number and the outline of the vehicle information, the purchase price, and the expected market price.

From the listed vehicles, select and select one or more vehicles B to be newly provided as security (need to be at least the expected market price of the vehicle whose mortgage is to be deleted). A "collateral replacement application" button is pressed (step 43). Then, the “security replacement application information” including the contract number, the vehicle number of the secured vehicle desired to be deleted, and the vehicle number newly requested to be provided as security is transmitted to the application server 12 in the management support server system 10. You. If the total expected market price of the vehicle selected as a new collateral vehicle candidate is greater than or equal to the expected market price of the vehicle for which the mortgage is currently set (step 44; Y), the application server 12 sets the W
The WW server 11 is controlled to display "application accepted" on the sales company terminal 40 (step 45).

On the other hand, if the total expected market price of the vehicle selected as a new collateral vehicle candidate is less than the expected market price of the vehicle for which a mortgage is currently set (step 44; N), the application The server 12 has W
The WW server 11 is controlled to display "insufficient security value" on the sales company terminal 40. In this case, the “secured vehicle reselection” button is pressed. Then, the screen of FIG. 14 is redisplayed, so that the total expected market price of the vehicle selected as a new collateral vehicle candidate is equal to or greater than the expected market price of the vehicle for which the mortgage is currently set. After redoing the selection of the vehicle, the user presses the "application for collateral replacement" button. If the total expected market price of the vehicle selected as a new collateral vehicle candidate is equal to or greater than the expected market price of the vehicle for which a mortgage is currently set (step 44; Y), the application server 12 ,
The WWW server 11 is controlled to display “accepted application” on the sales company terminal 40. Then, the application server 12 stores the “collateral replacement application information” in the contract information DB 135 in the database server (Step 46).

Next, the contents of the "security replacement application information" are transmitted to and displayed on the financial institution terminal 60 which has concluded the contract (step 47). The financial institution that has confirmed the display information on the financial institution terminal comprehensively determines the vehicle information newly presented as a security candidate and the debt repayment status of the sales company and performs a “security replacement examination”. (Step 48). As a result of this examination, if it passes (Step 49; Y), the sales company is notified of the fact and requested to provide necessary documents. Is deleted, and a mortgage is set for a new secured vehicle (step 50).

On the other hand, if the result of the examination is rejection (step 49; N), the fact is notified to the sales company, and a request for selecting a new security candidate vehicle is made again (return to step 43). And after setting a mortgage on a new secured vehicle,
From the financial institution terminal 60, the management support server system 10
And sends a contract information update request. In response, the application server 12 causes the financial institution terminal 60 to display a contract information update screen. If you enter the contract number on this screen, in addition to the display of the previous contract contents, the vehicle number for which you have applied for mortgage elimination is displayed at the top of the secured vehicle list, and a new Since the mortgage setting vehicle number and the mortgage setting date input fields are displayed, enter the new mortgage setting vehicle number and the mortgage setting date here and press the "Update" button. The correction information is transmitted to the application server 12. The application server 12 receives this, and performs data update processing of the contract information in the contract information DB 135 (step 51). Then, the application server 12
Transmits the updated information to the financial institution terminal 60, and displays the content on the terminal screen.
Then, the update information of the contract content is transmitted to 0 (step 52).

FIG. 6 shows a process for selling a stock vehicle with a mortgage, repaying a contracted amount to cancel the mortgage and transfer the ownership to the user, and erasing the mortgage. 6 is a flowchart showing a procedure. First, the sales company connects to the management support server system 10 from the sales company terminal 40, inputs the sales company code (ID), the password and the contract number on the mortgage elimination application screen (step 60), and enters the contract information. Is displayed. Here, as shown in FIG. 13, a list of stock vehicles provided as collateral and to which a mortgage is set is displayed. Here, the vehicle C whose mortgage is to be deleted is selected, and a "partial repayment" button is pressed (step 62). Then, the sales company terminal 4
No. 0 transmits to the application server 12 a secured vehicle number that the sales company desires to repay part of the debt amount and delete the security without replacing the security. In response, the application server 12 searches the contract information DB 135 for contract information relating to the secured vehicle C, and repayment amount information required to cancel the mortgage of the secured vehicle C contracted in the contract. Is read and transmitted to the sales company terminal 40, and the deletion conditions are displayed as follows (step 63). As an example, “secured vehicle number 1
Please refund 1 million yen to eliminate 023 mortgage. Is displayed.

If the sales company has already paid this amount to the designated account of the financial institution (step 64; Y), the payment date is entered, and the "repayed" button is pressed. On the other hand, if the payment has not been made yet (step 66; N), this is notified (step 67), the displayed amount is confirmed, the payment is made to the designated account of the financial institution, and the above operation is performed again to perform this screen. Is displayed, enter the payment date, and press the "Repaid" button. Thereafter, the sales company terminal 40 transmits to the application server 12 mortgage elimination request information, such as a mortgage elimination request secured vehicle number, a repayment amount, and a repayment date. The application server 12 receives these mortgage erasure request information and stores them in the contract information DB 135 (step 65). Next, after displaying "Application accepted" on the sales company terminal 40, the financial institution terminal 6
At 0, the mortgage elimination request information is transmitted and displayed.

After confirming this information at the financial institution terminal 60, the financial institution checks the designated account, confirms the payment status from the sales company, and then obtains the mortgage of the vehicle for which the mortgage elimination procedure is desired. The right is deleted (step 68).
After deleting the mortgage, the financial institution terminal 60 connects to the management support server system 10 and transmits a contract information update request. In response, the application server 12 causes the financial institution terminal 60 to display a contract information update screen. If you enter the contract number on this screen, in addition to the display of the previous contract contents, the vehicle number for which you have applied for mortgage elimination is displayed at the top of the secured vehicle list, and is displayed next to it. Click on the check box for mortgage erasure to turn it on, enter the amount of repayment for mortgage right and the repayment date in the input fields and press the "Update" button.
Send to The application server 12 receives this, and performs data update processing of the contract information in the contract information DB 135 (Step 69). Thereafter, the application server 12 transmits the updated information to the financial institution terminal 6.
0, the content is displayed on the terminal screen, and the contract information update information is transmitted to the sales company terminal 60 (step 70). Although the above example shows an example in which a mortgage is set on a car, the system is not limited to a car, and this system can be implemented for a mortgage-settable object, for example, an aircraft or a construction machine. Japanese financial institutions have traditionally provided many loans using real estate as collateral, but with this system, it is possible to quickly obtain loans using movable assets that have been difficult to obtain in the past as collateral. In addition, the application of this example was explained mainly with used car dealers in mind, but it is not limited to this.For example, a taxi company, a bus company, and a large number of business vehicles that own a large number of cars Companies or pure individuals.

Next, a sales vehicle information transmission system according to another embodiment will be described. In the electronic financing system, this system provides a stock vehicle registered as a security and a mortgage-set stock vehicle on a network 20 such as the Internet by a simple operation from a sales company terminal 40. It is a system that transmits information as By using this system, the network 20
Since the sales promotion activity can be easily performed on the above, it is possible to support the repayment plan to the financial institution of the sales company which has received the loan. In addition, by sending information,
Not only the users but also the other companies can be notified of the stock information, and it is possible to promote each other. In this sense, this system can be expected to provide management support from the side. First, the stock vehicles owned by the sales company are stored in the stock information DB 134 in the database server 13 of the management support server system 10. In order to disclose the vehicle information on the network 20 such as the Internet, it is necessary to sell the stock vehicles. The company terminal 40 is connected to the application server 12 of the management support server system 10 via the network 20, and the sales company terminal 40 displays a network information transmission management site screen (information transmission management screen).

Then, the user ID of the sales company, which is an item for which input is prompted on the displayed information transmission management screen,
When the password is entered and transmitted to the management support server system 10, the application server 12 responds to this and sends the inventory information D of the database server 13.
B134 is searched to read a list of registered stock vehicles of the sales company, transmit this to the sales company terminal 40, and display an “Internet sales vehicle information transmission management page” (see FIG. 15) on the screen. The Internet sales vehicle information transmission management page shown in FIG. 15 includes a NO. Vehicle code (ID), a vehicle name, a model year, a model, a purchase price, a vendor sales price, a retail price, and a vendor information transmission control check box. A list of user information transmission control check boxes, detail display buttons, and the like are displayed. The presence or absence of the check in the two control check boxes indicates the information transmission status. For example,
Since the vehicle No. 1 in FIG. 15 has been checked in both the trader disclosure column and the general disclosure column, it is confirmed that the information of this vehicle is disclosed on both the used car dealer site and the general user site. Is shown. In addition, on the site dedicated to used car dealers, only the business sales price is displayed,
The retail site only shows retail prices. No. 2 vehicles are disclosed only on general user sites, and No. 3 vehicles are disclosed only on used car dealer sites. No. 4 vehicles are displayed on both sites. Indicates that it has not been done.

When judging an information disclosure site on this screen, if the user wants to refer to detailed information such as the mileage, color, equipment, and remaining time of the inspection period of each vehicle, the user presses the "Details" button on the right end. I do. Then, the sales company terminal 40
The vehicle code is transmitted to the application server 12 of the management support server 10 via the network 20, and the application server 12 searches the inventory information DB 134 of the database server in response to the vehicle code to obtain details of the vehicle corresponding to the vehicle code. The information is read, transmitted to the sales company terminal 40, and displayed on the screen.

Here, the mechanism of this information transmission system will be described. This information transmission system is an application of the above-described electronic financing system, and includes a sales company DB1 in a database server 13 of a management support server system 10.
31. By controlling various information stored in the user DB 133 and the stock information DB 134 from the “Internet sales vehicle information transmission management page (FIG. 15)”, a site dedicated to used car dealers and a site for general users To transmit various kinds of vehicle information to each site screen.

FIG. 7 is a flow chart showing a procedure of a process for a sales company to transmit vehicle information. For example, a sales company who wants to transmit certain sales vehicle information to general users has checked the check box in the general disclosure column on the “Internet sales vehicle information transmission management page (FIG. 15)” of the information sales company terminal 40. (Step 8
0), it is assumed that the update button is pressed (step 81).
Then, an information disclosure instruction signal is transmitted to the application server 12 via the network 20 (step 82), and the application server 12 searches the inventory information DB 134 of the database server 13 in response to this, and The vehicle information is updated by adding a transmission instruction command (step 83).

FIG. 8 is a flowchart showing a procedure of processing when a general user receives sales vehicle information. A user who wants to browse both information, for example, from the user terminal 70, inputs a website address for browsing,
Management support server system 1 via network 20
0 WWW server 11 is accessed. Then, a search screen is displayed. Here, search conditions such as a manufacturer, a car name, and a year are input (step 90), and a search button is pressed (step 91). As a result, the search condition is transmitted from the user terminal 70, and the WWW server 11 receives the search condition and
(Step 92). The application server 12 searches the stock information DB 134 in the database server 13 according to the search condition (step 9).
3) Search for a data record that matches the search condition and to which an information transmission instruction command is added, and transmits this vehicle information to the WWW server 11. WWW server 11
Receives this, generates a vehicle information page, transmits it to the user terminal 70, and displays it on the screen (step 94). With the above processing, the sales company can transmit only the vehicle information for which the information disclosure has been instructed from the sales vehicles specified by the user terminal 70 through the network 20 such as the Internet.

Similarly, by pressing the "update" button while checking the check box of the trader disclosure column of a certain sold vehicle, a page of a site dedicated to a used car dealer is also generated, and another registered used car dealer is used. The car sales company can also view the disclosed vehicle information. Further, for example, for a vehicle in which the check box in the trader disclosure column is currently turned on, if the vehicle is turned off and the "Update" button is pressed, an information deletion instruction signal is sent to the application via the network 20. In response to this, the application server 12 searches the inventory information DB 134 of the database server in response to the request, deletes the information transmission instruction command from the vehicle information, and updates the vehicle information. As a result, a certain sales company can access the WW from the terminal.
Even if the search command is issued to the database server 13 by connecting to the W server 11 to display a dedicated car dealer site and inputting search conditions, the information transmission command is already deleted from the vehicle information. Therefore, browsing is impossible on the corresponding site used car dealer site.
In this system, the sales company can present different desired sales prices for each trader without being known to other traders, and it is also possible for the trader and the user to present different desired sales prices. By using this system, sellers who previously could not provide the vehicle model desired by the user and lost business opportunities can obtain inventory information of other vendors via the network, Can be provided. On the other hand, since ordinary consumers can quickly determine whether or not to obtain the desired model,
The labor involved in purchasing a used car can be reduced.

[0054]

According to the first aspect of the present invention, when financing money with a security object that can be settled by a mortgage,
By registering data in the database, inventory information and mortgage setting information can be properly managed. According to the invention of claims 2 to 8, information of a plurality of stock vehicles owned by a used car sales company is registered and managed in a computer via a computer network such as the Internet, and the stock vehicle data is stored. Based on this, the total value of the collateral can be assessed to determine the loan amount, and the mortgage can be set and managed quickly and appropriately.

According to the ninth, tenth and eleventh aspects of the present invention, the system registers and manages information on a plurality of stocked vehicles owned by a used car sales company in a database or the like via a computer network. Based on these inventory vehicle data, the total value of the collateral can be assessed, the loan amount can be determined, and the mortgage can be set and managed quickly and appropriately. According to the twelfth aspect of the present invention, a program product registers and manages information on a plurality of stocked vehicles owned by a used car sales company in a database or the like via a computer network, and secures the information based on the stocked vehicle data. Assess the total value, determine the amount of the loan, quickly and properly set a mortgage,
Can manage. The invention according to claims 13 and 14 aims to make it easier for a used car sales company to obtain working capital and funds for business expansion from a financial institution, and to store stock vehicle information registered in a computer, A used car sales company can voluntarily disseminate information on a communication network such as the Internet on its own initiative to promote sales of vehicles provided as collateral and support the repayment of the loan amount.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating an overall system configuration of a vehicle-backed electronic financing system according to an embodiment.

FIG. 2 is a flowchart showing an outline of a processing procedure from a loan application procedure to a contract conclusion in the vehicle-backed electronic financing system.

FIG. 3 is a flowchart showing a processing procedure when a sales company applies for a loan examination.

FIG. 4 is a flowchart showing a procedure of processing when a financial institution performs a loan check;

FIG. 5 is a flowchart showing a processing procedure in a case where a stock vehicle to which a mortgage is set is sold, and a mortgage is deleted and a secured vehicle is added to transfer ownership to a user.

FIG. 6 shows a processing procedure for selling a stock vehicle with a mortgage, repayment of a promised amount to cancel the mortgage and transfer ownership to the user, and erasing the mortgage. It is a flowchart shown.

FIG. 7 is a flowchart showing a procedure of a process for a sales company to transmit vehicle information.

FIG. 8 is a flowchart showing a procedure of processing when a general user receives sales vehicle information.

FIG. 9 is a diagram showing an example of a loan application screen displayed on a sales company terminal.

FIG. 10 is a diagram showing an example of a screen for inputting desired conditions on a loan examination application screen displayed on a sales company terminal.

FIG. 11 is a diagram showing an example of a screen for performing a loan check.

FIG. 12 is a diagram showing an example of a screen for evaluating a collateral value.

FIG. 13 is a diagram showing an example of a screen displaying a list of stock vehicles to which a mortgage has been set when requesting mortgage elimination.

FIG. 14 is a diagram showing an example of a screen for applying for collateral replacement.

FIG. 15 is a diagram showing an example of a screen for transmitting information on a vending vehicle via the Internet.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Management support server system 11 WWW web server 12 Application server 13 Database server 131 Sales company DB 132 Financial institution DB 133 User DB 134 Inventory information DB 135 Contract information DB 136 Market price DB 20 Network 30 General management terminal 40, 50 Sales company terminal 60 financial institution terminal 70 user terminal

Continuation of the front page (72) Inventor Kazuki Uehara 2-Tokubu Nishibashicho, Chuo-ku, Tokyo 2-26-14 Autoviews Building 2F F-term in Autobus Inc. (Reference) 5B049 BB11 CC00 5B055 CC11 (54) [Invention] Name] Method of financing money with security object that can be settled by statutory mortgage, Method of financing by setting mortgage on car, System of financing by setting mortgage on car, A program product that stores a program for loan processing using a car as collateral, a used car sales support system

Claims (14)

[Claims] Claims 1. A method of financing money with a statutory mortgage-eligible security object as collateral, comprising: acquiring various data on a security object to be mortgaged and registering the data in a database; A second step of obtaining various data relating to the collateral registered in the database and calculating a lending amount for the collateral object; and applying the calculated lending amount to the loan applicant. 3rd presented to
And a step of lending money using a statutory mortgage-securable security object as collateral. 2. A method of financing money with a vehicle as collateral, comprising: a first step of acquiring various data relating to a vehicle for which a mortgage is set and registering the data in a database; A second step of acquiring various data related to the vehicle and calculating a lending amount for the vehicle, and a third step of presenting the calculated lending amount to a loan applicant.
And lending money to the vehicle by setting a mortgage on the vehicle. 3. A first method of acquiring various data relating to an automobile for which the mortgage is set and registering the data in a database.
3. The step of setting a mortgage on a motor vehicle according to claim 2, wherein the step (c) and the step (c) of presenting the calculated loanable amount to the loan applicant are performed by communication using a computer. How to finance. 4. The vehicle data to be registered in the database in the first step is the vehicle name, model, color,
3. The contents of the equipment and the mileage.
4. A method for financing money by setting a mortgage on a vehicle according to claim 3. 5. A fourth step of acquiring various data related to past used car sales and registering the same in a database; and obtaining a data of a used mortgage based on various data related to used car sales registered in the database. A fifth step of calculating a market price of the rented money, wherein in the second step, a financing amount is calculated based on the calculated market price.
A method for financing money by setting a mortgage on the vehicle according to claim 3 or 4. 6. The various data relating to past used car sales acquired in the fourth step are a car name, a model, a color, contents of equipment, mileage and a selling price of the car. Item 5. A method for financing money by setting a mortgage on a vehicle according to item 5. 7. The method according to claim 5, wherein in the second step, when calculating a lending amount based on the calculated market price, the financing amount is calculated based on a multiplication factor with respect to the set market price. Item 6. A method for financing money by setting a mortgage on a vehicle according to item 6. 8. A loan application or a decline of a loan is received by a communication using a computer from a loan applicant who has been presented with a loanable amount in the third step.
8. A method for financing money by setting a mortgage on a motor vehicle according to claim 2, comprising the steps of: 9. A system for financing money with a vehicle as collateral, comprising: registration means for acquiring various data relating to a vehicle for which a mortgage is set and registering the data in a database; Means for acquiring various data related to the vehicle and calculating a lending amount available for the vehicle, and a presentation unit for presenting the lending amount calculated by the calculation unit to a loan applicant. A system for financing money by setting a mortgage on a car. 10. A financing system, further comprising a receiving unit for receiving a loan application or a loan decline from a loan applicant whose amount has been presented by the presenting unit, acquiring various data by the registration unit, and financing by the presented financing unit. 10. The system for financing money by setting a mortgage on a car according to claim 9, wherein presentation of a possible amount of money and receipt of an application or decline by the receiving means are performed by communication using a computer. 11. The apparatus according to claim 9, further comprising a disclosing means for disclosing various data relating to the vehicle registered in said database to a third party by communication using a computer. A system for financing money by setting a mortgage on a car. 12. A function of financing money with a vehicle as collateral, a function of acquiring various data relating to a vehicle for which a mortgage is set and registering the data in a database, and a function of registering the data in the database by the registration means. Implemented on a computer a calculation function that acquires various data related to a car and calculates the amount that can be financed for the vehicle, and a presentation function that presents the loanable amount calculated by this calculation function to applicants for the loan A program product in which a program for financing money with a computer readable vehicle as a collateral is stored. 13. A system for supporting the sale of a used car through communication of a computer, comprising: a registration unit for registering various data including a price of the used car scheduled to be sold in the database into a database; Browsing means for allowing the trader or general user to access the database and browse the registered contents, and that the registration means can set a price for each browsing trader or general user when registering various data. A featured used car sales support system. 14. When a trader or a general user who accesses a database and browses various data on a used car by the browsing means desires to purchase the used car at a presented price, the purchase intention is determined by the purchaser. 14. The used car sales support system according to claim 13, further comprising ordering means for directly ordering from a registered trader.