JP2014146120A - Management system for auto loan or auto lease - Google Patents

Abstract

PROBLEM TO BE SOLVED: To operate a reliable auto loan or auto lease in which an engine of a target vehicle is disabled to start when a 3G antenna, a GPS antenna, and the like provided in the target vehicle of the auto-loan or the auto-lease are removed or damaged.SOLUTION: A start update controller 8 performs such control that an engine of a target vehicle cannot be started in a case that loan money or lease money is not settled. A multicore connector 54 of a signal output wire, an antenna 10 for transmission and reception, and a GPS antenna 11 connected to the start update controller 8 are connected with a removing sensor 40. When any of the multicore connector 54, the antenna 10 for transmission and reception, and the GPS antenna 11 is removed from the start update controller 8, the removing sensor 40 generates a relay switch open signal to be transmitted to a relay switch device 9 so that the engine is put into a lock state where the engine start-up is not possible.

Description

  The present invention relates to an auto loan or auto lease management system, and more particularly to an auto loan or auto lease management system including an engine start update control device with a removal detection function.

  The auto lease in the present invention is not only an auto lease that lends a car to a user for a fixed period of time, but will be described later. A form of auto lease is also included.

  Conventionally, installment sales of automobiles (referred to as “auto loans” in this specification) are generally performed. In addition, lease sales (referred to as “auto lease” in the present specification) for lending automobiles to users for a certain period of time are also actively performed.

  As for auto loans, in recent years, there are many situations where a purchase applicant who wants to purchase a car using an auto loan cannot pass a normal auto loan lending examination at a private credit sales company or a bank.

  Reasons for failing the review are thought to be mainly due to the amendment of the Money Lending Business Law, the income of those who wish to purchase it, and other economic circumstances such as other loans, but especially in regions where automobiles are daily necessities. Then, it is a very urgent problem that a car purchaser cannot purchase a car.

  Therefore, the present inventor has not only rented a car to a user, but also rented a car to a user for a certain period of time, and already considered and implemented an auto lease in a form owned by the user after a certain period of time. ing.

  To further explain this type of auto lease, an automobile leasing company (or an automobile sales company) may provide a lease contract period (for example, a maximum of 5 years) to customers who have determined that they can respond after their own screening. ) Lease the car that the customer wants. Payment of lease payments is made at the extreme of the unit period of payment such as month, quarter, year, etc. according to the customer's income expenditure situation.

  Then, to customers who continue to receive the lease for the specific vehicle until the end of the contract period, the specific vehicle is transferred (paid) or sold at a low price free of charge. .

  Such a form of auto leasing is suitable for the purchaser who does not pass the auto loan examination, in accordance with the economic circumstances of such a purchaser, while on the other hand, a company that provides automobile leasing (for example, automobiles) This is a very useful leasing business.

  However, with this auto lease, in order to reliably collect the lease fee, the customer can use the car if he / she pays the lease fee in the month before the lease month. If this happens, it will be necessary to make the vehicle unusable after the lease month.

  In this way, car leasing companies confirm whether customers pay or not, and depending on the result, making a car usable or unusable is extremely laborious and requires a lot of manpower. It becomes.

  Therefore, the inventor of the present application, as a means for easily and surely solving such a need, in accordance with the confirmation result of payment of monthly lease fee to the customer who has continued to lease the automobile during the contract period, Has already been proposed (see Japanese Patent Application No. 2012-232900), which makes it possible and impossible to start the engine, and allows the collection of the lease fee with certainty.

  In addition, the rental car business which rents a car to a user for a certain period (a certain time or due date) is also widespread. The start of the engine installed in the rental car can be started during the rental contract period by an engine start control device incorporating a password verification device and a timer, and at the rental contract period when the engine start control device is illegally operated. Regardless, a technique for disabling the engine is known (see Patent Document 1).

  Conventionally, when a vehicle is stolen, the vehicle anti-theft device automatically notifies the operation center of the position of the vehicle, and notifies the police of the position information from the operation center to the police. It is known for the purpose of getting them back.

  Vehicle theft prevention that prevents vehicle theft by automatically detecting it if it destroys or removes the in-vehicle communication system necessary to achieve its purpose and stops the engine An apparatus is known (see Patent Document 2).

JP 2002-234420 A Japanese Patent No. 3692593

  In the system for managing auto loans or auto leases (auto loan or auto lease management system), the vehicle that is subject to auto loans or auto leases is equipped with an engine start-up update control device, and the car sales company or auto loan company. For a customer (malicious customer) who does not pay an installment fee or lease fee by operating an engine start update control device via a communication line such as the Internet on a server operated by an auto lease company, etc. The configuration is such that it cannot be started.

  Furthermore, in order to prevent illegal activities in which a customer takes away or steals a vehicle without paying an installment payment or lease fee, the above management system uses GPS for vehicles subject to auto loans or auto leases. It is preferable that an antenna is attached so that the location of the vehicle can be recognized by an automobile sales company, an auto loan company, an auto lease company, or the like that performs auto loan or auto lease.

  However, if the customer removes or destroys the antenna for transmission / reception (for example, 3G antenna, 4G antenna, etc.), the GPS antenna, etc. in the engine start-up update control device that receives a signal from the server, The management system for auto loans or auto leases will not work for illegal use of other cars.

  In the present invention, a customer removes or destroys a transmission / reception antenna (for example, a 3G antenna, 4G antenna, etc.), a GPS antenna, etc., from a vehicle-side mounting portion or the like in an engine start update control device that receives a signal from a server Then, let it be a subject to implement | achieve the management system for auto loans or auto lease provided with the engine start update control apparatus with a removal detection function which cannot start the engine of the said motor vehicle.

  By the way, the above Patent Document 2 describes a technique for automatically detecting and stopping the engine if the in-vehicle communication system is destroyed or removed, but this technique only prevents vehicle theft. It is the structure which provides the vehicle antitheft device for exclusive use for that purpose.

  On the other hand, the present invention is an engine start update that prevents the start of a car engine used by a customer who has not paid a loan fee or lease fee such as a monthly pole in an auto loan or auto lease management system. When a customer removes or destroys a transmission / reception antenna (for example, 3G antenna, 4G antenna, etc.), GPS antenna, etc. from the mounting part on the car side in the control device, the removal is detected and the engine cannot be started. Is provided.

  In the engine start update control apparatus of the management system for auto loan or auto lease, if the vehicle antitheft apparatus as described in Patent Document 2 is additionally used, the configuration becomes extremely complicated and the cost increases.

  In the present invention, in an engine start update control device that prevents the start of an automobile engine used by a customer who has not paid a loan fee or lease fee such as a monthly pole, the vehicle antitheft device as in Patent Document 2 is provided. In addition, by providing a removal detector having a very simple circuit configuration without adding, a function of detecting when the transmission / reception antenna and the GPS antenna are removed is brought into a locked state in which the engine cannot be started is added. This is a specific problem.

  In order to solve the above-mentioned problems, the present invention includes a server operated by an automobile sales company, an auto loan company or an auto lease company, and an engine start update control device attached to the target vehicle. For each unit period of payment of multiple loan charges or lease fees that constitute a period, if the loan price or lease fee is paid respectively, the engine of the target vehicle can be started and the use of the target vehicle can be renewed for that unit period In the auto loan or auto lease management system, the engine start update control device is connected to a start update controller connected to the server via a communication line, and to the start update controller and the engine start electric system of the target vehicle. Relay switch device and transmission / reception to / from the server connected to the start-up update controller And a GPS antenna connected to the start-up update controller. The start-up update controller transmits an engine stop signal that is transmitted from the server and received by the antenna for transmission and reception, and a loan fee or lease fee for a unit period. In response to any of the engine stop signals transmitted from the server and received by the transmission / reception antenna when there is no payment, the relay switch close signal and the relay switch open signal are generated. By sending one of the switch open signals to the relay switch device via the output line, the engine starting electrical system is controlled to either the unlocked state where the engine can be started or the locked state where the engine cannot be started. The position of the target vehicle is calculated based on the data received by the GPS antenna, and the position information is stored in the server. A removal detector is connected to the multi-core connector of the output line connected to the start-up update controller, the transmission / reception antenna, and the GPS antenna, and the removal detector is connected to the start-up update controller. When either the transmission / reception antenna or the GPS antenna is removed from the start-up update controller, a relay switch open signal is generated and sent to the relay switch device so that the engine cannot be started. A management system for auto loans or auto leases is provided.

  The removal detector has a detection line and a relay switch open signal generator, and the detection line is provided corresponding to each of the multi-core connector of the output line, the antenna for transmission and reception, and the GPS, and its end Is connected to a relay switch open signal generator, and the relay switch open signal generator is connected to a relay switch device, and any of a multi-core connector, a transmission / reception antenna, and a GPS antenna is provided from the start-up update controller. When removed, a voltage change occurs at the end of the detection line corresponding to one of the removed detection lines, and based on the voltage change, a relay switch open signal generator generates a relay switch open signal to generate a relay switch device. It is preferable that it is the structure sent to.

  One end of the detection line corresponding to the transmission / reception antenna and the GPS antenna opposite to the end is branched from the connection line connecting the transmission / reception antenna and the GPS antenna to the start-up / update controller, respectively. Is provided with a detection switch. When the transmission / reception antenna and GPS antenna connection line is removed from the start-up update controller, the detection switch is closed and the voltage at the end of the detection line on the relay switch open signal generation side is detected. It is preferable that the fluctuation occurs.

  One end of the detection line corresponding to the multi-core connector of the output line opposite to the end is connected to the multi-core connector of the output line, and a voltage is applied to the detection line. It is preferable that the voltage fluctuation occurs at the end of the detection line on the side of the relay switch open signal generation unit when the cable is removed from the circuit.

The auto loan or auto lease management system according to the present invention has the following effects.
(1) Since the engine start-up update control system is provided, the auto loan or auto lease loan payment period or lease contract period, the loan price or lease fee of the car during the payment unit period (monthly or monthly in the case of monthly payment) Depending on the payment confirmation result, the engine can be started or disabled, and the loan price or lease fee can be collected reliably.

(2) Since the engine start update control device is equipped with a removal detector, it detects the removal of the antenna for transmission and reception and the GPS antenna and makes it impossible to start the engine. It is possible to prevent unlawful acts such as the illegal use and theft of automobiles that are subject to

(3) In the present invention, by attaching a removal detector having a very simple circuit configuration to an engine start update control device necessary for reliably collecting a loan price or lease fee in auto loan or auto lease, The safety of auto loan or auto lease operation can be ensured at a low cost without further addition of a special vehicle antitheft device.

(4) When the start update controller is equipped with a GPS reception function, and any of the antenna for transmission / reception, the GPS antenna and the multicore connector is removed, the engine is locked so that the engine cannot be started, and the target vehicle Since the location can be ascertained, the automobile sales company, auto loan company, or auto leasing company can go to the location of the target vehicle that has stopped in a locked state where the engine cannot be started and collect it.

(5) As a result of the above, it will be easier for purchasers to select auto loans, auto leases, etc., and if they pay monthly loan fees or lease fees that match their heights, they will be able to make substantial changes without overdoing them. The car can be used in the state of purchase, and in some cases the car can be owned in the future, so that it can be purchased by customers as well as the sales of auto sales companies, auto loan companies or auto leasing companies. Very useful. As a result, more and more auto loans or auto leases are introduced into the society. As a result, overall, it can contribute to economic revitalization.

It is a figure explaining the whole structure of the Example of the management system for auto loans or auto lease concerning this invention. It is a block diagram explaining the structure of the starting update controller of the said Example. It is a block diagram explaining the structure regarding the engine start update control apparatus and engine start electric system of the said Example. It is a figure explaining the structure of the removal detector of the said Example.

  A mode for carrying out an auto loan or auto lease management system according to the present invention will be described below with reference to the drawings based on the embodiments.

(Outline of auto loan and auto lease in which the present invention is used)
Before describing an embodiment of a management system for auto loans or auto leases, an outline of auto loans or auto leases on which the auto loan or auto lease management system is assumed to be used will be described first.

  Auto loans are installment sales of automobiles, and automobile sales companies sell automobiles to customers on the condition of monthly installments, such as monthly installments and annual installments. The payment of the loan price by the customer by the installment contract is basically performed by determining the payment deadline for each unit period of a plurality of payments obtained by subdividing the auto loan contract period. Here, the “unit period of payment” is a month when the payment of the loan price is a monthly installment.

  Auto leasing is designated by the customer by the car leasing company (which may be a car leasing sales company or a car sales company for new or used cars) that collects lease fees from the customer during the lease contract period with the customer. This is a form of renting a predetermined car. Auto-lease is usually a lease sale in which a lease fee is collected from a customer and a predetermined vehicle is simply rented out.

  However, the present applicant has conceived and implemented the following auto lease. In other words, this auto lease collects a lease fee from a customer and rents a predetermined vehicle, and the customer who continues to receive the lease until the contract term expires will receive the vehicle ( It is a lease sale with transfer of ownership of the car, in which the same car) is transferred free of charge (paid down) or sold at a low price throughout the contract period. Such an auto lease is also included in the auto lease as a premise of the present invention.

  In any auto lease, the car leasing company can handle the lease through its own screening (confirmation of check items such as the customer's income, loan usage, payment ability, parking availability, etc.) If it is determined that the customer is a new customer, a lease contract is made with the customer, and a lease is made with a car desired by the customer as a car to be leased for a predetermined lease contract period (for example, up to five years).

  The lease contract period may be determined as appropriate in consideration of the year of manufacture of the vehicle to be leased, the status of maintenance, the appraisal price, and the planned fee for the lease fee, but it is usually several years. Explain as a year.

  The payment of the lease fee is basically performed by determining a payment deadline for each unit period of a plurality of payments divided into lease contract periods. Here, the “unit period of payment” is the month when the payment of the lease fee is monthly. The unit period of payment may be determined as appropriate, and may be any of month, two months, quarter, half year, year, etc.

  The above is an overview of auto loans and auto leases. In general, monthly payments for loan payments (monthly installments) and monthly payments for lease payments are preferred, taking into account the business practices that are carried out at the monthly poles. In the present embodiment, for auto loans and auto leases, the payment unit period will be described as a month. The payment deadline in the unit period of payment may be determined as appropriate, but in this embodiment, the payment deadline is 22 days of the previous month of each month.

  In order to ensure the collection of the loan fee or lease fee, for example, in the case of monthly installments or monthly poles, the bank account designated by the car dealer, auto loan company or auto lease company by the 22nd of the previous month, which is the payment deadline If payment is confirmed, the engine of the car that is subject to auto loan or auto lease can be started from the beginning of the month, and the use of the vehicle can be renewed for that month. If payment is not made by the payment deadline of the previous month, startup is impossible.

  For such an auto loan or auto lease, the management system for auto loan or auto lease according to the present invention is used in order to operate reliably and safely.

(Constitution)
overall structure:
FIG. 1 is a diagram for explaining the overall configuration of an auto loan or auto lease management system 1 according to the present invention.

  An auto loan or auto lease management system 1 is connected to an auto loan or auto lease server 2 operated by an automobile sales company, an auto loan company or an auto lease company via a communication line 3, and And an engine start update control device 4 attached to an automobile (hereinafter referred to as “target vehicle”) that is an object of auto lease. Although a plurality of target vehicles are managed by the management system 1 for auto loan or auto lease, FIG. 1 shows two target vehicles as an example.

  The engine start update control device 4 includes a start update controller 8 and a relay switch device 9. The start-up update controller 8 is substantially a computer (for example, a microcomputer) and has a function as a mobile terminal.

  The start-up update controller 8 is connected to a communication line 3 such as a 3G network (a mobile phone network that also serves as an access means to the Internet using 3G high-speed data communication) and the Internet. Note that the communication line used in the present invention is not limited to a 3G network and the Internet, but, for example, 4G, that is, 4th generation wireless mobile communication (mobile phone, mobile data communication), or will be further put into practical use in the future. Assumed wireless mobile communication such as 5G may be used.

  The start-up update controller 8 is provided with an antenna for data transmission / reception (eg, a 3G antenna) for connection with the communication line 3. As described above, the communication line used in the present invention can use a 3G network, a 4G network, the Internet, and the like. However, in this embodiment, an example using a 3G network will be described, and data for connecting to the 3G network will be described. A description will be given of a configuration in which a 3G antenna 10 is provided as a transmission / reception antenna, and the 3G antenna 10 is attached to the start-up update controller 8.

  Furthermore, the start update controller 8 is provided with a GPS antenna 11, and the engine start update control device 4 also has a function of acquiring position information by GPS.

  In the engine start update control device 4, as shown in FIG. 1, a relay switch device 9 is connected to the start update controller 8. The relay switch device 9 of the engine start update control device 4 is connected to the engine start electrical system 13 of the target vehicle.

  With such a configuration, the auto loan or auto lease management system 1 according to the present invention has, as a basic function, an automobile sales company, auto loan company or auto lease company, and a customer assigns a loan price or lease fee. It is confirmed whether or not the deposit has been made to the designated bank account by the regular date. If the deposit has not been made, the engine start update control device 4 is operated by the server 2 via the communication line 3 and the engine start electric system 13 To lock the engine so that the engine cannot be started.

  In the case of starting auto loan or auto lease, or in the locked state where the engine could not be started once due to no payment, but if there was payment at a later date, the server 2 via the communication line 3 The engine start update control device 4 is operated to control the engine start electric system 13, and the engine is started by releasing the lock state.

  In addition, the auto loan or auto lease management system 1 according to the present invention has a GPS function that can always grasp the location of the target vehicle using GPS.

Configuration of each part:
The above is the outline of the management system 1 for auto loan or auto lease according to the present invention. The configuration of each part will be further described.

  First, the server 2 will be described. The server 2 is a normal computer (not shown), and an auto loan or auto lease management program is stored and installed in its storage unit.

  In addition, the storage unit includes customer-specific auto loan or auto lease management data (for example, customer identification data including name, address, telephone number, bank account number, e-mail address, SIM card data, etc.) Specific data, deposit data, etc.) are appropriately input and stored.

  The management program for auto loan or auto lease is management data registration means for storing the server 2 and storing the auto loan or auto lease management data for each customer input to the input unit with a keyboard or the like as a database. As a function.

  Further, the auto loan or auto lease management program causes the server 2 to function as an engine start update control signal generation means and an engine start update control signal transmission means. The engine start update control signal generating means receives an unpaid confirmation signal that the customer does not pay the next month's loan fee or lease fee until a predetermined date (for example, the 22nd) of the month in which the target vehicle is used. And a means for generating an engine stop signal for bringing the engine of the target vehicle into a locked state in which the engine cannot be started.

  In addition, the engine start update control signal generating means generates an engine stop release signal that allows the target vehicle engine to be started as necessary when the target vehicle engine is in the locked state incapable of starting. It is also a means to do.

  Here, “if necessary” means that the payment of the first loan price or lease fee was confirmed at the start of auto loan or auto lease, or the payment of the next month's loan price or lease fee. Because there is no lock, the engine of the target vehicle is temporarily locked so that it cannot be started. However, when payment is confirmed at a later date, it is necessary to release the lock state where the engine cannot be started for the target vehicle. . In this case, when a payment confirmation signal is input to the server 2, the auto loan or auto lease management program causes the engine start update control signal generation means to receive the payment confirmation signal and generate an engine stop release signal. The server 2 is made to function.

  The engine start update control signal transmission means automatically sends the engine stop signal generated by the engine start update control signal generation means to the target vehicle at the time when 24:00 on the last day of the month in which the target vehicle is used. Is transmitted to the engine start update control device 4, and when the engine is locked so that it cannot be started, an engine stop release signal is transmitted to the engine start update control device 4 as necessary. Means.

  By the way, the above-mentioned unpaid confirmation signal that the customer has not paid the next month's loan fee or lease fee by the predetermined date of the month in which the target vehicle is used is an auto sales company, auto loan company or auto The person in charge of the leasing company may confirm whether the predetermined bank account has been deposited or not, and input it to the input unit of the server 2 using an input device such as a keyboard. The lease management program may be automatically generated by causing the server 2 to function as the following payment confirmation means.

  That is, the auto loan or auto lease management program checks whether the server 2 has paid the loan fee or lease fee to the designated bank account until the deadline, and generates an unpaid confirmation signal if unpaid. You may make it function as a payment confirmation means.

  Here, in the environment where the server 2 is connected to the server of the financial institution or the collection agency service company via the communication line 3, the deposit confirmation means automatically collects the deposit data to the bank account by the customer, 2 is received and confirmed, and as a result, an unpaid confirmation signal is generated. In short, the payment confirmation means automates an operation in which an employee of an automobile sales company, an auto loan company or an auto lease company confirms customer's payment and inputs the result of the confirmation to the server.

  The payment confirmation means may generate a payment confirmation signal when the customer deposits the loan price or lease fee into the designated bank account until the deadline, but the engine that has received this payment confirmation signal. The start update control signal generation means does not generate an engine stop release signal except in the case of “if necessary”.

  As described above, the start update controller 8 of the engine start update controller 4 is a computer such as a microcomputer. As shown in FIG. 2, an input unit 15, a data bus 17, a CPU 18, a storage unit 19, and an output are provided. The unit 20 is provided.

  An input / output terminal 22 for 3G antenna and an input terminal 23 for GPS antenna are connected to the input unit 15, and an output terminal 24 and an input / output terminal 22 for 3G antenna are connected to the output unit 20. The storage unit 19 stores an engine start update control program and a GPS position program.

  The engine start update control program causes the start update controller 8 to function as a relay switch open signal generating means. The relay switch open signal generating means generates a relay switch open signal when the start update controller 8 receives an engine start / stop signal from the server 2 via the 3G antenna 10, and generates the relay switch open signal. It is means for sending to the relay switch device 9 via the output unit 20.

  The relay switch device 9 that has received the relay switch open signal opens the relay switch (ignition system relay switch, starter system relay switch), stops the engine start, places the engine start electrical system 13 in the locked state, and sets the target vehicle. Is unusable.

  Further, the engine start update control program causes the start update controller 8 to function as a relay switch closing signal generating means. The relay switch close signal generating means generates a relay switch close signal when the start update controller 8 receives an engine stop release signal from the server 2 via the 3G antenna 10, and generates the relay switch close signal. It is means for sending to the relay switch device 9 via the output unit 20.

  Upon receiving the relay switch close signal, the relay switch device 9 closes the opened relay switch (ignition system relay switch, starter system relay switch), releases the locked state of the engine start electrical system 13, and can start the engine. And the target vehicle can be used.

  Further, the engine start update control program causes the start update controller 8 to function as customer recognition means. The customer recognizing means is means for recognizing whether or not the customer who intends to use the target vehicle is indeed an authentic party who has signed an auto loan or auto lease for the target vehicle. To do.

  As shown in FIGS. 1 and 2, a SIM card reader 16 is connected to the input unit 15 of the start update controller 8. Specifically, for example, the SIM card reader 16 is provided in a SIM card insertion slot attached to the start update controller 8.

  The customer recognition means stores the SIM card assigned to the customer at the time of the contract into the SIM card insertion slot and reads the data with the SIM card reader 16 in the storage unit 19 of the start update controller 8 in advance. It is determined whether or not it matches the ID in the customer information, and if they match, the start update controller 8 is operable, and if they do not match, the start update controller 8 functions so as not to operate.

  The GPS position program causes the start update controller 8 to function as GPS receiving means (GPS receiver). The GPS receiving means is means for receiving data from a GPS satellite by the GPS antenna 11, calculating the position (latitude, longitude, altitude, etc.) of the target vehicle based on the data, and acquiring position information.

  The GPS receiving unit transmits the acquired position information from the output unit 20 to the server 2 via the 3G antenna 10 and the communication line 3. The road map information is stored in the storage unit of the server 2, and the vehicle sales company, auto loan company, or auto lease company that operates the server 2 determines the location of all the target vehicles based on the position information and the road map information. It becomes possible to grasp at all times.

  Alternatively, the navigation program and road map information may be stored in the storage unit 19 of the start update controller 8 and a display panel may be added to the start update controller 8. With such a configuration, the navigation program allows the start update controller 8 to function as navigation means, and the user of the target vehicle can also use it as a navigation system.

  The start-up update controller 8 is connected to the relay switch device 9 via a relay switch open / close signal output line 25 as shown in FIGS. Then, as shown in FIGS. 3 and 4, the relay switch device 9 is connected and incorporated in the engine start electrical system 13 of the target vehicle.

  In FIG. 3, the engine starting electric system 13 includes a power line 27 connected to a battery (constant power source) 26, an ignition system line 29 connected to an ignition (ignition device) 28, and a starter connected to a cell starter 30. A system line 31 and a key switch 32 are provided. This configuration itself is the same configuration as a conventional automobile engine start electric system.

  As shown in FIG. 3, the start-up update controller 8 is connected to the power supply line 27 in order to obtain its main power supply, and is grounded by the earth line 33. Although not shown, the relay switch device 9 is provided as a relay switch in the middle of the ignition system line 29 and opens / closes the ignition system line 29, and a starter system line provided in the middle of the starter system line 31. A starter relay switch for opening and closing 31 is provided.

  The ignition system relay switch and the starter system relay switch are connected so as to be controlled by the start / update controller 8. When the ignition relay switch and the starter relay switch are open, the engine starting electrical system 13 is locked so that the engine cannot be started. When the ignition relay relay switch and the starter relay switch are closed, the locked state is released and the engine starting electrical switch is released. The system 13 is unlocked so that the engine can be started.

Removal detector:
The features of the management system 1 for auto loan or auto lease according to the present invention having the above-described configuration are shown in FIG. 4 in relation to the start update controller 8 and the relay switch device 9 in the engine start update controller 4. Thus, it is the structure by which the removal detector 40 is provided. The removal detector 40 includes a removal detection circuit 41 and a relay switch open signal generator 42.

  The 3G antenna 10 and the 3G antenna input / output terminal 22 of the start-up update controller 8 are connected by a 3G antenna connection line 46. The GPS antenna 11 and the input terminal 23 of the start update controller 8 are connected by a GPS antenna connection line 47.

  The removal detection circuit 41 has the following configuration. One end side 51 of the 3G antenna removal detection line 50 is connected to the 3G antenna connection line 46 so as to be branched, and the other end side 60 is connected to the relay switch open signal generator 42. Similarly, one end side 53 of the GPS antenna removal detection line 52 is connected to the GPS antenna connection line 47 so as to be branched, and the other end side 61 is connected to the relay switch open signal generator 42.

  In the state where the start update controller 8 and its input / output terminal 22 and input terminal 23 are grounded and the 3G antenna connection line 46 is connected to the 3G antenna input / output terminal 22 of the start update controller 8, 3G One end side 51 of the antenna detachment detection line 50 is held in the ground state.

  Similarly, in a state where the GPS antenna connection line 47 is connected to the GPS input terminal 23 of the start-up update controller 8, the one end side 53 of the GPS antenna removal detection line 52 is held in the ground state.

  In the middle of the 3G antenna removal detection line 50, a normally-off detection transistor Tr1 that functions as a removal detection switch is provided. The cathode side of the detection transistor Tr1 is coupled to the 3G antenna connection line 46 at one end side 51 of the 3G antenna removal detection line 50. A voltage source of a voltage V1 (for example, 5V) is connected to the cathode side of the detection transistor Tr1 in the 3G antenna removal detection line 50 via a resistor R1.

  The collector side of the detection transistor Tr1 is connected to the relay switch open signal generator 42 on the other end side 60 of the 3G antenna removal detection line 50 via the diode D1. A voltage source is connected to the other end side 60 of the 3G antenna removal detection line 50 via a resistor R1 ', and a voltage V1' (for example, 5V) is applied. For example, the emitter side of the detection transistor Tr1 is grounded.

  In the middle of the GPS antenna removal detection line 52, a normally off transistor for detection Tr2 that functions as a removal detection switch is provided. The cathode side of the detection transistor Tr2 is coupled to the GPS antenna connection line 47 at one end side 53 of the GPS antenna removal detection line 52. A voltage source of voltage V2 (for example, 5V) is connected to the cathode side of the detection transistor Tr2 in the GPS antenna removal detection line 52 via a resistor R2.

  The collector side of the detection transistor Tr2 is connected to the relay switch open signal generator 42 at the other end side 61 of the GPS antenna removal detection line 52 via the diode D2. A voltage source is connected to the other end 61 of the GPS antenna removal detection line 52 via a resistor R2 ', and a voltage V2' (for example, 5V) is applied. For example, the emitter side of the detection transistor Tr2 is grounded.

  One end of the relay switch open / close signal output line 25 for sending the relay switch close signal and the relay switch open signal from the start update controller 8 to the relay switch device 9 is connected to the output terminal 24 of the start update controller 8 by a multi-core connector 54. By being inserted, the start update controller 8 is connected.

  One end side 56 of a multi-core connector removal detection line 55 is connected to the multi-core connector 54. The multi-core connector removal detection line 55 is connected to the relay switch open signal generator 42 at the other end side 62 via the diode D3. A voltage source of a voltage V3 (for example, 5V) is connected to the other end side 62 of the multicore connector removal detection line 55 via a resistor R3.

  The start-up update controller 8 and its output terminal 24 are grounded. When the multi-core connector 54 is inserted into the output terminal 24, the multi-core connector removal detection line 55 is held in the ground state.

  The relay switch open signal generation unit 42 uses a microcomputer or the like, and the other end side 60, 61 of the 3G antenna removal detection line 50, the GPS antenna removal detection line 52, and the multicore connector removal detection line 55 62 is connected, and its output is connected to the relay switch device 9.

  This relay switch open signal generating unit 42 includes the other end side (connection side to the relay switch open signal generating unit 42) 60 of the 3G antenna removal detection line 50, the GPS antenna removal detection line 52, and the multi-core connector removal detection line 55, In any of 61 and 62, when a voltage fluctuation occurs, the voltage fluctuation is input as a signal, and a function of generating a relay switch open signal is performed.

(Function)
The operation of the management system 1 for auto loan or auto lease having the above configuration will be described below.

  As a premise that the management system 1 for auto loans or auto leases is used, an auto loan or auto lease contract for a car selected by the customer is executed between the car sales company, auto loan company or auto lease company and the customer. Is called. The period of the auto loan or auto lease is determined as appropriate. For example, the auto loan has a maximum period of 10 years and the auto lease has a maximum period of 5 years.

  When an auto loan or auto lease contract is established, the auto loan or auto lease management data is input to the server 2 by the car sales company, auto loan company or auto lease company, and stored and registered in the storage unit. The Then, the key of the target vehicle is given to the customer from the automobile sales company, auto loan company or auto lease company.

  Then, the customer inserts the SIM card assigned to the customer from the SIM card reading insertion port attached to the start update controller 8 of the target vehicle. For the data read by the SIM card reader 16, the customer recognition means determines whether or not it matches the ID in the customer information stored in advance in the storage unit 19 of the start update controller 8. The update controller 8 becomes operable. If they do not match, the start update controller 8 does not operate.

  At the start of the contract for the target vehicle, both the ignition system relay switch and the starter system relay switch in the relay switch device 9 are open, and the engine start electrical system 13 cannot start the engine even if the key switch 32 is operated. It is locked.

  If the customer uses the target vehicle for the first time at the start of the contract, or if the engine is locked due to unpaid monthly loan or lease payments, the customer will receive a monthly loan or lease charge for the vehicle. If the bank account designated by the sales company, auto loan company or auto lease company is not deposited, the target vehicle will not start even if the key switch 32 is operated with the lent key.

  In such cases, when a customer pays a monthly loan or lease fee in order to start and use the target vehicle, the car dealer, auto loan company or auto lease company will use the paid facts. Confirm and input the confirmation result to the server 2.

  Then, the server 2 functions according to the auto loan or auto lease management program, the engine start update control signal generation means of the server 2 generates an engine stop release signal, and the engine start update control signal transmission means To the start update controller 8 of the target vehicle.

  When the start update controller 8 of the target vehicle receives the engine stop release signal via the 3G antenna 10 at the input unit 15, the engine start update control program generates a relay switch close signal, and the output unit 20 opens and closes the relay switch. The signal is sent to the relay switch device 9 via the signal output line 25, the ignition system relay switch and the starter system relay switch are closed, the locked state of the engine starting electrical system 13 is released, and the key switch 32 is operated. Enable to start.

  If the customer does not pay the next month's loan price or lease fee until the specified date of the month in which the target vehicle is used (the unit period of payment), the server 2 uses the auto loan or auto lease management program to The engine start update control signal generating means generates an engine stop signal, and this signal is automatically sent by the engine start update control signal transmitting means when 24:00 on the last day of the month when the target vehicle is used. Is transmitted to the engine start update control device 4 mounted on the target vehicle.

  When the engine start signal is received by the input unit 15 via the 3G antenna 10, the start update controller 8 for the target vehicle generates a relay switch open signal according to the engine start update control program, and the relay switch open / close signal from the output unit 20. It is sent to the relay switch device 9 via the output line 25, the ignition system relay switch and the starter system relay switch are opened, the engine start electrical system 13 is locked, and the engine cannot be started even if the key switch 32 is operated. .

  If the payment of the next month's loan or lease payment is confirmed by the customer until the predetermined date of the month in which the target vehicle is used, the server 2 generates an engine stop signal by the auto lease management program. Since this is not the case, the state where the engine can be automatically started is maintained, and the customer can continuously use the target vehicle in the next month.

  As described above, at a car sales company, auto loan company, or auto lease company, the customer confirms whether or not the monthly loan price or lease fee has been paid, and uses the payment confirmation signal or the unpaid confirmation signal as the confirmation result. On the basis of this, the server 2 uses the auto loan or auto lease management program to release the engine stop release signal (at the start of the auto loan or auto lease, or because the loan price or lease fee has not been paid and the engine cannot be started) Then, when payment is confirmed, an engine stop cancellation signal generated) or an engine stop signal is generated and transmitted to the target vehicle.

  Such a series of operations is performed by the auto loan or auto lease management program installed in the server 2, the server 2, the loan price or lease payment confirmation means, the engine start update control signal generation means, and the engine start. It may be configured to function automatically as an update control signal transmission unit and to perform it automatically.

  That is, the payment confirmation means automatically collects the payment data to the bank account by the customer in the environment where the server 2 is connected to the server of the financial institution or the collection agency service company via the communication line 3, and this is collected in the server 2 In response to the payment confirmation signal or the unpaid confirmation signal from the payment confirmation means, the engine start update control signal generation means generates an engine stop release signal (at the start of auto loan or auto lease, or the loan price or When the payment is confirmed after being locked because there is no payment of the lease fee, an engine stop release signal) or an engine stop signal is generated, and this signal is automatically transmitted by the engine start update control signal transmission means. In particular, it may be transmitted to the start update controller 8 of the target vehicle.

  Data from a GPS satellite is received by the GPS antenna 11 and input to the input unit 15. The start update controller 8 functions as a GPS receiving means (GPS receiver) according to the GPS position program, and based on the data. The position (latitude, longitude, altitude, etc.) of the target vehicle is calculated and position information is acquired.

  Then, the GPS receiving means transmits the acquired position information from the output unit 20 to the server 2 via the 3G antenna 10 and the communication line 3. The road map information is stored in the storage unit of the server 2, and the vehicle sales company, the auto loan company, or the auto lease company that operates the server 2 according to the position information and the road map information, The location can always be recognized.

  At the end of the month, the customer may abandon the target vehicle and abandon it without paying the next month's loan or lease payment. Even in such a case, since the target vehicle is equipped with GPS means, the automobile sales company, auto loan company or auto lease company can grasp the location information of the abandoned place, and collect the abandoned target vehicle. can do.

  If the navigation program and road map information are stored in the storage unit of the start update controller 8 and a display panel is added to the start update controller 8, the navigation program uses the start update controller 8 as a navigation means. The customer of the target vehicle is allowed to use the start update controller 8 as a navigation system.

  By the way, during the auto loan or auto lease contract, the customer can connect the 3G antenna 10 and / or the GPS antenna 11 to the input / output terminal 22 of the engine start update control device 4 without paying the next month's loan price or lease fee. In some cases, the multi-core connector 54 may be removed from the input terminal 23 without permission, or the multi-core connector 54 may be pulled out from the start-up update controller 8, and the target vehicle may be continued or stolen against the contract.

  The input / output terminal 22 and the input terminal 23 of the start update controller 8 are grounded. Therefore, the 3G antenna removal detection line 50 on the cathode side of the detection transistor Tr1 is always kept in the ground state. When the 3G antenna 10 is removed from the 3G antenna input / output terminal 22 of the engine start update control device 4 in this state, the voltage V1 (for example, 5V) is applied to the 3G antenna removal detection line 50 on the cathode side of the detection transistor Tr1 and The voltage is applied to the cathode of the detection transistor Tr1.

  Then, the detection transistor Tr1 is turned on, and since the voltage source of the voltage V1 ′ is connected to the 3G antenna removal detection line 50, the current passes through R1 ′ → the diode D1 → the collector of the transistor Tr1 → the emitter of the transistor Tr1. Flowing.

  The 3G antenna detachment detection line 50 on the collector side of the detection transistor Tr1 is normally applied with V1 ′, but when such a current flows, the other end side (relay switch open signal generating unit is generated by R1 ′. On the 42 side) 60, a voltage drop occurs. This voltage drop is input as a signal to the relay switch open signal generator 42, and the relay switch open signal generator 42 generates a relay switch open signal.

  When the GPS antenna 11 is removed from the GPS antenna input terminal 23 of the engine start update control device 4, the same operation occurs, and the voltage V2 (for example, 5V) is detected when the GPS antenna on the cathode side of the detection transistor Tr2 is removed. The voltage is applied to the line 52 and the cathode of the detection transistor Tr2.

  Then, the detection transistor Tr2 is turned on, and the voltage source of the voltage V2 ′ is connected to the GPS antenna removal detection line 52, so that the current flows through R2 ′ → the diode D2 → the collector of the transistor Tr2 → the emitter of the transistor Tr2. .

  V2 ′ is always applied to the GPS antenna removal detection line 52 on the collector side of the detection transistor Tr2, but when such a current flows, the other end side (relay switch open signal generation unit 42) is caused by R2 ′. Side) 61, a voltage drop occurs. This voltage drop is input as a signal to the relay switch open signal generator 42, and the relay switch open signal generator 42 generates a relay switch open signal.

  As described above, when the customer removes the 3G antenna 10 and / or the GPS antenna 11 from the input terminal of the engine start update control device 4, the relay switch open signal generated in the relay switch open signal generator 42 is the relay switch The ignition system relay switch and the starter system relay switch are opened to stop the engine, the engine start electrical system 13 is locked, and the engine cannot be started even if the key switch 32 is operated.

  By the way, the start update controller 8 and its output terminal 24 are grounded. Therefore, the multi-core connector 54 is always inserted into the output terminal 24 of the start update controller 8 (connected to the output unit 20). In this state, the multi-core connector removal detection line 55 is also maintained in the ground state.

  When the customer pulls out the multi-core connector 54 from the start-up update controller 8 in order to invalidate the function of the start-up update controller 8, the multi-core connector attached to the multi-core connector 54 together with the relay switch open / close signal output line 25 The removal detection line 55 is also pulled out.

  Then, the voltage V3 is applied to the other end side 62 of the multi-core connector removal detection line 52 via the resistor R3, and a voltage change occurs. This voltage change is input as a signal to the relay switch open signal generator 42, and the relay switch open signal generator 42 generates a relay switch open signal based on the change signal.

  The relay switch open signal is input to the relay switch device 9, and the engine is stopped by opening the ignition system relay switch and the starter system relay switch, the engine start electrical system 13 is locked, and the key switch 32 is operated. Cannot be started.

  If the removal detector 40 having the configuration as in the present invention is not provided, when the 3G antenna 10 or the multi-core connector 54 is removed by the customer, the car sales company, the auto loan company, or the auto lease company sends an engine stop signal. Even if it is transmitted from the server to the start update controller 8 of the target vehicle, it cannot be received by the start update controller 8, or even if it can be received, a relay switch open signal cannot be sent to the relay switch device 9.

  In addition, if the GPS antenna 11 is removed by the customer, the start-up update controller 8 also has no GPS reception function, and the automobile sales company, auto loan company, or auto lease company cannot grasp the location, so that the target vehicle is illegal. There is no response to use, riding away or theft.

  However, in the present invention, when the removal detector 40 is provided to detect the removal of the 3G antenna 10 or the multi-core connector 54, the engine is stopped by sending a relay switch open signal to the relay switch device 9. As a result, the engine cannot be started and the customer can no longer use the target vehicle.

  In addition, in the present invention, the start-up update controller 8 has a GPS reception function, and when any of the 3G antenna 10, the GPS antenna 11, and the multi-core connector 54 is removed, the locked state in which the engine cannot be started is In addition, the vehicle sales company, auto loan company, or auto leasing company is able to determine the location of the target vehicle at the time of removal and the required locked position where the engine cannot be started. It is possible to go to the location of the target vehicle that has stopped in a locked state where it cannot be started and collect it.

  As mentioned above, although the form for implementing the management system for auto loans or auto lease was demonstrated based on the Example, this invention is not limited to such an Example, and is described in a claim. It goes without saying that there are various embodiments within the scope of technical matters.

  Since the management system for auto loans or auto leases is configured as described above, the target vehicle is not limited to passenger cars, but can be applied to commercial vehicles, various work vehicles, heavy machinery, construction machinery, etc. It can be applied to any vehicle such as a ship, aircraft, etc. equipped with a starting system, a loan or lease for a portable generator, etc., and various devices and equipment that can be operated by closing an electric circuit with a key. It is also applicable to other loans or leases.

DESCRIPTION OF SYMBOLS 1 Management system for auto loan or auto lease 2 Server 3 Communication line 4 Engine start-up update control device 8 Start-up update controller 9 Relay switch device 10 3G antenna 11 GPS antenna 13 Engine start-up electric system 15 Input unit 16 SIM card reader 17 Data bus 18 CPU
DESCRIPTION OF SYMBOLS 19 Memory | storage part 20 Output part 22 Input / output terminal for 3G antenna 23 Input terminal for GPS antenna 24 Output terminal 25 Relay switch opening / closing signal output line 26 Battery (always power supply)
27 Power line 28 Ignition (ignition device)
29 ignition system line 30 cell starter 31 starter system line 32 key switch 33 ground line 40 removal detector 41 removal detection circuit 42 relay switch open signal generator 46 3G antenna connection line 47 GPS antenna connection line 50 3G antenna removal detection line 51 3G One end side of the antenna removal detection line 52 GPS antenna removal detection line 53 One end side of the GPS antenna removal detection line 54 Multi-core connector 55 Multi-core connector removal detection line 56 One end side of the multi-core connector removal detection line 60 3G antenna removal detection line The other end side 61 The other end side of the GPS antenna removal detection line 62 The other end side of the multi-core connector removal detection line

Claims (4)

Multiple loan fees or lease fees that comprise a server operated by an automobile sales company, auto loan company, or auto lease company and an engine start update control device attached to the target vehicle, and constitute the contract period of the auto loan or auto lease In the management system for auto loans or auto leases, the engine of the target vehicle can be started and the use of the target vehicle can be renewed for each unit period when the loan price or lease fee is paid for each unit period of ,
The engine start update control device is connected to the start update controller connected to the server via the communication line, the relay update device connected to the start update controller and the engine start electric system of the target vehicle, and the start update controller. And a transmission / reception antenna for transmitting / receiving information to / from the server, and a GPS antenna connected to the start-up update controller,
The start update controller transmits an engine stop signal transmitted from the server and received by the antenna for transmission / reception, and an engine stop signal transmitted from the server and received by the antenna for transmission / reception when there is no payment of loan fee or lease fee for the unit period. Depending on one of the signals, either a relay switch close signal or a relay switch open signal is generated, and either the relay switch close signal or the relay switch open signal is sent to the relay switch device via the output line. The engine starting electrical system is controlled to either the unlocked state where the engine can be started or the locked state where the engine cannot be started, and the position of the target vehicle is calculated based on the data received by the GPS antenna, Send location information to the server,
A removal detector is connected to the multi-core connector of the output line, the transmission / reception antenna, and the GPS antenna connected to the start-up update controller, and the removal detector includes a multi-core connector, a transmission / reception antenna, and When one of the GPS antennas is removed from the start-up update controller, an auto-loan or a configuration in which a relay switch open signal is generated and sent to the relay switch device so that the engine cannot be started or locked. Management system for auto leasing.   The removal detector has a detection line and a relay switch open signal generator, and the detection line is provided corresponding to each of the multi-core connector of the output line, the antenna for transmission and reception, and the GPS, and its end Is connected to a relay switch open signal generator, and the relay switch open signal generator is connected to a relay switch device, and any of a multi-core connector, a transmission / reception antenna, and a GPS antenna is provided from the start-up update controller. When removed, a voltage change occurs at the end of the detection line corresponding to one of the removed detection lines, and based on the voltage change, a relay switch open signal generator generates a relay switch open signal to generate a relay switch device. 2. The management system for auto loan or auto lease according to claim 1, wherein   One end of the detection line corresponding to the transmission / reception antenna and the GPS antenna opposite to the end is branched from the connection line connecting the transmission / reception antenna and the GPS antenna to the start-up / update controller, respectively. Is provided with a detection switch. When the transmission / reception antenna and GPS antenna connection line is removed from the start-up update controller, the detection switch is closed and the voltage at the end of the detection line on the relay switch open signal generation side is detected. The management system for auto loans or auto leases according to claim 2, characterized in that fluctuations of   One end of the detection line corresponding to the multi-core connector of the output line opposite to the end is connected to the multi-core connector of the output line, and a voltage is applied to the detection line. 3. The management system for auto loan or auto lease according to claim 2, wherein the voltage fluctuation occurs at the end of the detection line on the side of the relay switch open signal generating part when the sensor is removed from the auto line.

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