JP2017091542A - Financial support system, financial support method, and financial support program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To deal with issues that while mobile bodies moving to various places, such as vehicles, are used as collaterals, the positions of such collaterals are difficult to manage for financial institutions and the mobile bodies cannot be recovered if financial accidents have happened.SOLUTION: Until a customer C, who has got a loan from a financial institution B with his/her vehicle as a collateral 20, pays off the loan to the financial institution B, the vehicle as the collateral 20, which the customer C drives, is provided with a collateral vehicle positioning device 30 so that the position of the vehicle can keep being monitored by a collateral vehicle management device 50 of a financial support center S, using a global positioning system.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a financial support system and a financial support method for supporting a financial institution that has provided a loan to a customer who owns the mobile body using as a collateral a mobile body that is used in various places such as automobiles, ships, and airplanes. And financial support programs.

  For example, in the conventional financial support system disclosed in Patent Literature 1, a mortgage is set for a car owned by a customer based on the Automobile Mortgage Law to provide a loan. Unlike pledges, mortgages do not require delivery, so customers can borrow money using a vehicle that is easier than real estate as collateral, and can use it without giving up the vehicle during the repayment period.

Japanese Patent No. 4446347 Japanese Patent No. 4683293 JP 2012-241661 A

  Since the conventional financial support system is configured as described above, it is difficult for a financial institution to manage the position of a collateral moving body because it is secured by a moving body such as an automobile that is used in various places. When this happens, there is a problem that a situation in which the collateral moving body cannot be collected occurs.

  The present invention has been made to solve the above-mentioned problems, and easily manages the position of a collateral moving body that is used in various places until it is fully paid, and when a financial accident occurs, the collateral moving body An object of the present invention is to provide a financial support system, a financial support method, and a financial support program capable of reliably collecting money.

  The financial support system according to the present invention is a financial support system in which a mobile body that a customer rides is managed by a financial support center until the customer who received the loan with the mobile body owned by the customer as a collateral is completed. The positioning signal receiving means for receiving the positioning signal from the positioning satellite, the position data of the moving body is calculated based on the positioning signal received by the positioning signal receiving means, and the received time data and the movement are calculated to the calculated position data. Financial support for first control means for assigning body identification data, position data calculated by the first control means, reception time data given by the first control means to the position data, and mobile object identification data The financial support center includes position data, reception time data, and mobile unit identification data transmitted from the first communication means. Based on the second communication means for receiving, the presenting means for presenting various data, the position data received by the second communication means, the reception time data, and the mobile object identification data, for each mobile object identification data, And second control means for causing the presentation means to present position data in the reception time data.

  According to this invention, it is possible to easily manage the position of the collateral moving body that is used in various places until it is fully paid, and to reliably collect the collateral moving body when a financial accident occurs. It becomes possible.

It is a block diagram for demonstrating the flow of automobile finance. It is a block diagram which shows the structure of the financial assistance system by Embodiment 1 of this invention. It is a flowchart which shows operation | movement of a secured vehicle management apparatus. It is a figure which shows the result of FIG. 3 displayed on the display part of a secured vehicle management apparatus. It is a flowchart which shows operation | movement of a secured vehicle management apparatus. It is a block diagram which shows the structure of the financial assistance system by the modification of Embodiment 2 of this invention. It is a block diagram which shows the structure of the financial assistance system by another modification of Embodiment 2 of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the drawings, the same or corresponding constituent elements are denoted by the same or corresponding reference numerals.

Embodiment 1 FIG.
<Finance>
First, I will give an overview of mobile finance, taking automobile finance as an example.
FIG. 1 is a block diagram for explaining the flow of automobile finance. FIG. 1 (a) shows the flow from loan application to contract establishment, and FIG. 1 (b) shows the flow when a financial accident occurs.

  In FIG. 1, C is an individual or corporate customer, B is a financial institution that provides auto finance, S is a financial support center that supports auto finance of financial institution B, M is a used car buying and selling such as auto auction, export, and resale. It is a market.

  In FIG. 1 (a), when customer C brings his own car (mobile) to financial institution B and applies for a loan (F1), financial institution B wants to evaluate the future value of the customer's car. To the partner financial support center S (F2). Upon receiving the request, the financial support center S evaluates the value of the car of the customer C, calculates the future value of the car 3 to 5 years ahead, for example, and notifies the financial institution B (F3).

  The financial institution B determines the loanable amount based on the future value of the automobile notified from the financial support center S and presents it to the customer C. When an agreement is obtained between the customer C and the financial institution B, a loan contract is exchanged, and the financial institution B provides a loan to the customer C within the loanable amount (F4). At the same time, between the customer C or the financial institution B and the financial support center S, a sales reservation contract for a secured car in the event of a financial accident occurs (F5). In this way, the customer C borrows money with the automobile as collateral and continues to use it without giving up the secured automobile even during the repayment period.

  Next, in FIG. 1B, when a financial accident such as arrears of repayment occurs (F6), the financial institution B notifies the financial support center S that “a financial accident has occurred” (F7). The financial support center S that has received the notification collects the secured vehicle in accordance with the sales / purchase agreement concluded with the customer C (F8) and disposes it in the used car trading market M (F9). When the financial support center S repays the loan balance to the financial institution B from the disposal price of the secured car (F10) (F11), the financial institution B cancels the loan contract with the customer C, and the customer C is out of the debt. To be released.

  In this way, when a financial accident occurs, the secured car is collected and the loan balance is repaid by the disposal price. Therefore, the management of the position of the secured car becomes important in automobile finance. Therefore, in the first embodiment, the position of the secured vehicle is continuously grasped as follows.

<Location management>
FIG. 2 is a block diagram showing the configuration of the financial support system according to the first embodiment of the present invention.
In FIG. 2, 10 is a plurality of GPS (* 1) satellites (positioning satellites), and 20 is a secured vehicle (secured mobile body).

(* 1) “GPS”: Global positioning system. Abbreviation for Global Positioning System [English].

  In FIG. 2, 30 is a secured vehicle positioning device, 31 is a GPS receiving unit (positioning signal receiving unit), 32 is a storage unit (first control unit), 33 is a control unit (first control unit), 34 Is a communication unit (first communication unit), and 35 is a sensor unit (ride state measurement unit).

  Furthermore, in FIG. 2, 40 is a communication network, 50 is a secured car management device, 51 is a communication unit (second communication means, presentation means), 52 is a display unit (presentation means), 53 is a control unit (second Reference numeral 54 denotes a storage unit (second control unit), and reference numeral 55 denotes a database (second control unit). The secured car management device 50 can be replaced by causing a computer having a communication function to execute the financial support program of the present invention.

Next, the operation will be described.
In FIG. 2, in the sales and purchase contract concluded between the customer C and the financial support center S when the loan is established, “the collateral vehicle positioning device 30 is mounted on the collateral vehicle 20 from the time of the contract to the completion of payment”. The financial support center S mounts the secured vehicle positioning device 30 on the secured vehicle 20 in accordance with this clause. The secured vehicle positioning device 30 is supplied with electric power from the battery in the secured vehicle 20 and continues to operate regardless of whether the secured vehicle 20 is running or stopped.

  In the secured vehicle positioning device 30, when the GPS receiving unit 31 receives positioning signals from the plurality of GPS satellites 10 and the control unit 33 calculates the position data where the secured vehicle 20 is located at the reception time, the obtained position data is obtained. The control part 33 memorize | stores in the memory | storage part 32 with the reception time data of the positioning signal. Thus, the position data and the reception time data of the secured car 20 are sequentially acquired by the control unit 33 at appropriate time intervals and stored in the storage unit 32.

  When the secured vehicle 20 is in a communicable area where the communication unit 34 and the communication network 40 can be connected, the control unit 33 adds the vehicle identification data (mobile object identification) to the position data and reception time data stored in the storage unit 32. Data) is transferred to the communication unit 34 and transmitted from the communication unit 34 to the financial support center S via the communication network 40.

  On the other hand, when the secured vehicle 20 is located in an incommunicable area where the connection between the communication unit 34 and the communication network 40 is impossible, when the secured automobile 20 moves from the incommunicable area to the communicable area, it is acquired in the incommunicable section Then, the control unit 33 reads out the untransmitted position data and the reception time data stored in the storage unit 32 from the storage unit 32, assigns vehicle identification data to the communication unit 34, and transfers the vehicle identification data from the communication unit 34 to the communication network 40. To the financial support center S.

  In the secured vehicle management device 50 of the financial support center S, the communication unit 51 receives the position data, the reception time data, and the vehicle identification data of the secured vehicle transmitted from the secured vehicle 20 and transfers them to the control unit 53. The control unit 53 sequentially stores the position data and the reception time data in the storage unit 54 for each vehicle identification data, and maps the position data and the reception time data of the secured vehicle 20 on the display unit 52 for each vehicle identification data. Display with etc.

  By doing as described above, the position of the secured car 20 to be used in various places can be easily managed until it is paid off, and the secured car 20 is reliably recovered when a financial accident occurs. It becomes possible.

<Management of moving range>
In the financial support system of FIG. 2, the action range of the secured car 20 can be managed as shown in FIGS.
FIG. 3 is a flowchart showing the operation of the secured car management device 50. Moreover, FIG. 4 is a figure which shows the result of FIG. 3 displayed on the display part 52 of the secured vehicle management apparatus 50, and displays the position data of the secured vehicle 20 at each reception time data on the map of the Kanto region as an example. doing.

  In FIG. 4, A is a moving area of customer C, and P is a plot of position data of secured car 20 at each reception time data. The moving area A is an approximate moving range when the customer C uses the secured car 20 on a daily basis. For example, the moving area A refers to a range of about several tens to several hundred kilometers centering on the home and work place of the customer C. At this time, it is specifically determined by the self-report of the customer C and stored in the storage unit 54 in advance.

Next, the operation will be described.
In step ST1 of FIG. 3, in the secured vehicle management apparatus 50 of FIG. 2, the communication unit 51 receives the position data, the reception time data, and the vehicle identification data transmitted from the secured vehicle positioning device 30, and the control unit 53 stores them. This is stored in the unit 54. Subsequently, in step ST <b> 2, the control unit 53 determines whether or not position data for a predetermined period, for example, one month is stored in the storage unit 54.

  If the position data for one month is not yet stored in the storage unit 54, NO is determined in step ST2, and the process returns to step ST1 to continue storing the position data, the reception time data, and the vehicle identification data. On the other hand, if the position data for one month is stored in the storage unit 54 and the answer is YES in step ST2, the process proceeds to step ST3.

  In step ST3, the control unit 53, for each vehicle identification data, based on the position data and the reception time data for one month stored in the storage unit 54, the secured vehicle in the mobile area A previously stored in the storage unit 54 The total stay time in which 20 has stayed is obtained, and the ratio of the total stay time to one month is calculated. And in step ST4, the control part 53 determines whether the ratio of the total stay time with respect to 1 month is less than threshold value 50%, for example.

  That is, when there is a plot P of 50% or more in the moving area A as shown in FIG. 4A in step ST3, NO is determined in step ST4. As a result, it is determined that the action range of the secured car 20 for the past one month is not suspicious, and the process proceeds to step ST5 and the processes from step ST1 are repeatedly executed until completion.

  Conversely, if there is only a plot P of less than 50% in the moving area A as shown in FIG. As a result, the range of behavior of the secured car 20 for the past month is determined to be suspicious, and for example, the case where the secured car 20 is transferred from the customer C to a third party without permission is concerned. The unit 53 warns the display unit 52 to take necessary measures such as a display that “the monitoring of the secured car 20 should be strengthened” and a message that “the person in charge should be visited once by the customer C”. Is displayed.

  By doing as described above, it is possible to easily manage the action range of the secured car 20 that is used in various places until it is fully paid, and to respond quickly when a financial accident occurs. It becomes possible.

<Management of running speed>
Although the flowchart is omitted, as shown in FIG. 4, the traveling speed of the secured car 20 may be managed as follows in combination with the map information.

  That is, the control unit 53 stores in advance the legal speed of an actual road (movable road) on which the secured vehicle 20 can travel in the storage unit 54, and the position data and reception time stored in the storage unit 54 for a predetermined period of time. Based on the data and the vehicle identification data, the travel speed of the secured vehicle 20 between the two points (* 2) that are continuous in time for the secured vehicle 20 is calculated, and it corresponds to each point between the two points (movement path) The statutory speed of the actual road to be obtained is acquired from the storage unit 54, and compared with each traveling speed of the secured vehicle 20 calculated for every two points on the plot.

(* 2) “Two plots that are continuous in time”: Two plots that are adjacent to each other when the plots are arranged in time order.

  In this way, the control unit 53 obtains an integrated value of the speed violation time or distance in which the secured vehicle 20 was traveling above the legal speed, and based on this accumulated value, half loss / total loss of the secured vehicle 20 due to a traffic accident. For example, the risk of a traffic accident that reduces the future value of the secured vehicle 20 is predicted and converted into data. The control unit 53 displays the traffic accident risk data on the display unit 52 and warns the customer C of the traffic accident risk data by some communication means. By doing in this way, it is also possible to reduce the occurrence of a traffic accident due to excessive travel speed and to suppress the possibility of the future value of the secured vehicle 20 being lost as much as possible.

<Management of mileage>
In the financial support system of FIG. 2, the travel distance (movement distance) of the secured car 20 can be managed as shown in FIG.

FIG. 5 is a flowchart showing the operation of the secured car management device 50.
In FIG. 5, as in FIG. 2, when steps ST1 and ST2 in FIG. 3 are looped and YES is determined in step ST2, the process proceeds to step ST7. In step ST7, the control unit 53 calculates the actual travel distance of the secured vehicle 20 for one month for each vehicle identification data based on the position data and the reception time data stored in the storage unit 54.

  Subsequently, in step ST8, the control unit 53 considers the calculated actual travel distance, and uses the value evaluation database 55 in which past market price data and the like in the used car trading market M are recorded. Reassess the future value of

  As is well known, the mileage affects the evaluation of the value of the automobile. If the vehicle travels lower than the average, it is positively evaluated, but if it is overrun (overtravel), it is negatively evaluated. In car finance, the customer C self-reported the average mileage of the customer C himself when applying for a loan, and in order to evaluate the future value of the secured car 20 based on this self-report, an uncertain element was included. It has become a thing. Therefore, in FIG. 5, the actual mileage is calculated, thereby reassessing the future value of the secured vehicle 20 and correcting it to the actual condition.

  If the revalued future value is, for example, 10% lower than the initially evaluated future value, and the revalued future value falls below the loan balance (YES in step ST9, in step ST10) YES), in step ST11, the control unit 53 displays on the display unit 52 that "the customer C should be charged for the difference between the valuated future value and the loan balance".

  By doing as described above, it is possible to easily manage the travel distance of the secured vehicle 20 that is used in various places until it is fully paid, and the future value that was initially evaluated is corrected by re-evaluation, and overrun It is possible to prevent collateral cracking due to.

<Management of riding status>
Although the flowchart is omitted, in the financial support system of FIG. 2, for example, the engine speed data (riding state evaluation data) of the secured vehicle 20 is measured by the sensor unit 35 (for example, the output of the crank angle sensor), and the secured vehicle positioning device 30. May be transmitted to the secured car management device 50.

  That is, when the sensor unit 35 measures the engine speed data, the control unit 33 stores the obtained engine speed data together with the measurement time data in the storage unit 32. In addition, in the communicable area, the control unit 33 assigns vehicle identification data to the engine speed data and measurement time data of the secured vehicle 20 and transfers the vehicle identification data to the communication unit 34. Send to support center S.

  In the financial support center S, the communication unit 51 receives the engine speed data, the measurement time data, and the vehicle identification data, and the control unit 53 stores the data in the storage unit 54. Then, as necessary, the control unit 53 appropriately displays engine speed data and measurement time data on the display unit 52 for each vehicle identification data.

  By doing in this way, it becomes possible to manage easily the riding state of the secured car 20 used in various places until it is paid off. For example, when the position data of the secured vehicle 20 changes every moment with the reception time data, but the engine speed data indicates zero, the secured vehicle 20 is not running. It is estimated that the vehicle is transported on a trailer or a ferry, and the travel distance can be managed accurately.

The engine speed data may be transmitted together with the position data.
Further, the sensor unit 35 is not limited to the one that measures the engine speed data, and any data other than the engine speed data can be measured (riding state evaluation data). Can be implemented.

Embodiment 2. FIG.
The financial support system according to the second embodiment is characterized in that, in addition to the configuration of the financial support system described in the first embodiment, a collection system when a financial accident occurs is further provided. In the following, further description of the configuration described in the first embodiment will be omitted, and only the configuration related to the collection of secured vehicles after the occurrence of a financial accident will be described.

<Collecting secured vehicles>
As described in FIG. 1B, when a financial accident such as delinquency occurs (F6), financial institution B notifies the financial support center S that a financial accident has occurred (F7) The received financial support center S collects the secured cars in accordance with the sales and purchase contract concluded with the customer C (F8) and disposes them in the used car trading market M (F9). The occurrence of a financial accident is determined by the terminal of financial institution B.

  The terminal of the financial institution includes a financial accident detection means. For example, the financial item detection means of the terminal of the financial institution (hereinafter referred to as financial terminal) determines whether or not there is a predetermined deposit on a preset date based on the deposit data obtained via the communication network 40 to which the financial terminal is connected. The occurrence of a financial accident can be detected by determining whether or not the number of predetermined deposits exceeds a predetermined number. Then, when a financial accident is detected, when the secured vehicle management apparatus 50 of the financial support center S receives a collection communication communication to the effect that “a financial accident has occurred” from the financial terminal via the communication network 40, the financial support The collection start means (included in the collection system) of the control unit 53 of the secured car management device 50 of the center S operates. The collection start means identifies the secured vehicle by searching the database that associates the vehicle identification data with the license plate information and customer information of the secured vehicle, using the vehicle identification data provided from the financial terminal in response to the collection notification. To do. The information of the specified secured vehicle, for example, the position data (with the reception time data) described in the first embodiment (which may be the data of the modified example described in the first embodiment) is the license plate information of the secured vehicle. And the customer information are displayed on the display unit 52. Thereby, the person in charge of financial support center S or the person concerned can aim at collection of a secured car quickly.

  The collection of secured vehicles may be performed not by the financial support center S itself but by the collection related organizations (including various organizations, corporations, and individuals). In this case, the financial support center S may communicate with a terminal of a collection-related organization (not shown) that can communicate via the communication network 40, and display information on the secured car to be collected on the display unit of the terminal.

<Recovery of secured vehicles 2>
On the other hand, various vehicle remote control technologies (for example, Patent Document 2 and Patent Document 3) and automatic driving technologies have been developed or proposed. Here, a case will be described in which, when a financial accident occurs, the vehicle remote operation technology is used to deactivate the vehicle to increase the collection effectiveness of the secured vehicle 20.

  As shown in FIG. 6, in addition to the configuration described based on FIG. 2, the secured vehicle 120 has an engine control unit (ECU) 36 as an engine control device for engine control. The ECU 36 is widely mounted in a vehicle, and includes various sensors (an engine load sensor and an engine speed sensor (for example, the above-described crank angle sensor) (not shown, but may include a sensor of the sensor unit 35). ) To control fuel injection from the fuel injection valve. And the secured car positioning device 130 and ECU36 are connected so that communication is possible. Note that the secured vehicle positioning device 130 mounted on the secured vehicle 120 when the loan is established, in addition to the configuration of the secured vehicle positioning device 30 described above, includes a portion corresponding to the vehicle stop execution means (included in the collection system). However, this may be provided as a device different from the secured vehicle positioning device.

  Here, when the financial support center S receives a collection notification stating that “a financial accident has occurred”, the collection start means (included in the collection system) of the control unit 53 of the secured vehicle management device 50 of the financial support center S ) Sends a collection start signal to the communication unit 34 via the communication network 40. As a result, when the acquired position data matches or corresponds to the predetermined position data stored in the storage unit in advance, the control unit 33 (the vehicle stop execution unit) of the secured vehicle 120 causes the ECU 36 to A predetermined engine stop signal is sent. Thereby, for example, when the engine stop signal is a fuel injection stop signal, the ECU 36 prohibits fuel injection, whereby the engine of the secured vehicle 120 is stopped, and the secured vehicle moves from the position of the predetermined position data. Be blocked. In addition, the position of the predetermined position data may be a car storage place (garage) of a secured car (garage proof). Therefore, the predetermined position data may be stored there at the initial mounting stage of the secured vehicle positioning device 130, or may be sent from the secured vehicle management device 50 to the secured vehicle positioning device 130 together with the collection start signal. . The start time for maintaining the engine in the stopped state may be arbitrarily determined during operation of the secured vehicle, but preferably when the engine of the secured vehicle is stopped at the request of the driver (for example, an ignition switch). It is good to be determined at the time of (OFF).

  Aside from the ECU, for example, an interruption circuit is provided in an ignition circuit whose energization state is switched according to ON / OFF of the ignition switch, and this interruption circuit is controlled by the secured vehicle positioning device 130 (the control unit 33 thereof). If possible, the engine may be maintained in a stopped state by cutting off the power to the ignition circuit. The same applies to the case where a motor is mounted as a power source on the secured vehicle.

<Collecting collateral vehicles 3>
Next, the case where a secured car is automatically driven to a predetermined position using a vehicle remote control technique and an automatic driving technique when a financial accident occurs will be described.

  As shown in FIG. 7, in addition to the configuration described based on FIGS. 2 and 6, the secured vehicle 220 includes a configuration for automatically driving the secured vehicle to a predetermined position. Here, the secured vehicle positioning device 230 includes an automatic collection unit 37 (included in the collection system) in addition to the configuration of the secured vehicle positioning device 30 described above. The automatic collection unit 37 is a secured vehicle positioning device. It may be provided separately. The secured car 220 includes an automatic driving function unit 38. The automatic driving function unit 38 is provided separately from the ECU 36 described above, but may be configured integrally.

  When the financial support center S receives a collection notification stating that “a financial accident has occurred”, the secured vehicle management device 50 of the financial support center S (the collection start means (included in the collection system) of the control unit 53) A collection start signal is sent to the communication unit 34 of the secured car 220 via the communication network 40. As a result, the control unit 33 of the secured automobile 220 sends a signal to the automatic collection unit (automatic collection unit) 37.

  Although not shown, the automatic collection unit 37 has a route planning function (that is, its function unit). The automatic collection unit 37 calculates an automatic collection route to a predetermined destination based on the acquired position data. This route calculation may be performed based on a generally known route calculation function of a navigation system. The predetermined destination may be the financial support center S or an automobile sales company (particularly a used car sales company) associated with the financial support center S.

  When the route is calculated, the automatic recovery unit 37 sends a signal to the automatic driving function unit 38 so that the secured vehicle 220 automatically travels along the route. The automatic driving function unit 38 automatically performs all driving operations of acceleration, steering, and control (in accordance with a predetermined program), and the secured vehicle 220 is unmanned (or manned may be acceptable) to a predetermined destination. Has the function of running. The automatic driving function unit 38 compares various position data (for the secured vehicle 220) obtained through the automatic collection unit 37 and map data, and various sensors are used to drive the secured vehicle according to the route to the destination. A signal is sent to the ECU 36, a steering device and a braking device (not shown) based on the output from the motor. The various sensors include a radar and a camera mounted on the secured car 220. Therefore, the automatic driving function unit 38 performs acceleration, steering, and braking necessary for the safe driving of the secured vehicle according to various surrounding conditions such as traffic conditions such as people outside the vehicle, signals, signs, road shapes, and obstacles. Determine each action.

  At the time of such automatic collection, the position data of the secured vehicle 220 is updated on the display unit 5 of the secured vehicle management apparatus 50 of the financial support center S. Therefore, the collection of the secured car 220 can be made more reliable.

  In addition, automatic driving | running | working of a secured car is good when it is unattended. For this purpose, the secured vehicle 220 detects whether a seating sensor (for example, a pressure sensor provided in the driver's seat) for detecting whether the driver is in the vehicle or a seat belt is mounted. A seat belt sensor may be mounted.

<Summary>
As described above, according to the first and second embodiments, the customer C who receives the loan from the financial institution B with the car owned by the customer as the secured car 20 is paid off until the financial institution B is paid off. Since the secured vehicle positioning device 30 is provided in the secured vehicle 20 to be used and the position thereof is kept tracked by the secured vehicle management device 50 of the financial support center S using the global positioning system, until the payment is completed It is possible to easily manage the position of the secured automobile 20 that is used in various places, and it is possible to reliably collect the secured automobile 20 when a financial accident occurs.

  Further, according to the first and second embodiments, the collateral that the customer C rides until the customer C who has received the loan from the financial institution B with the car owned by the customer as a collateral car 20 is fully paid to the financial institution B. In the financial support system in which the automobile 20 is managed by the financial support center S, the secured automobile 20 is secured on the basis of a GPS receiver 31 that receives a positioning signal from the GPS satellite 10 and a positioning signal received by the GPS receiver 31. While calculating the position data of the automobile 20, the storage unit 32 and the control unit 33 for storing the position data and the reception time data thereof, the position data and the reception time data stored by the storage unit 32 and the control unit 33, and these And a communication unit 34 for transmitting the vehicle identification data provided by the storage unit 32 and the control unit 33 to the financial support center S via the communication network 40. In the financial support center S, a communication unit 51 that receives the position data, reception time data, and vehicle identification data transmitted from the communication unit 34 via the communication network 40, a display unit 52 for displaying various data, The position data, reception time data, and vehicle identification data received by the communication unit 51 are stored, and for each vehicle identification data, a control unit 53 and a storage unit 54 that display position data in the reception time data on the display unit 52 are provided. Since it did in this way, the position of the secured car 20 used for various places can be managed easily until it pays off, and the effect that the secured car 20 can be reliably collect | recovered when a financial accident occurs. can get.

  Furthermore, according to this Embodiment 1, the control part 53 and the memory | storage part 54 memorize | store the moving area A of the secured vehicle 20 previously, and also receive the position data received by the communication part 51, reception time data, and vehicle identification data. When stored for a predetermined period, for each vehicle identification data, the total stay time in which the position data stayed in the moving area A is obtained from the reception time data, and the ratio with the predetermined period is compared with the threshold, and the ratio is less than the threshold In this case, since the warning is displayed on the display unit 52, it is possible to easily manage the action range of the secured car 20 that is used in various places until it is fully paid, and a financial accident occurs. The effect that it can respond quickly etc. is acquired.

  The control unit 53 and the storage unit 54 store in advance the legal speed of the actual road on which the secured vehicle 20 can travel, and store the position data, the reception time data, and the moving body identification data received by the communication unit 51 for a predetermined period. Then, for each vehicle identification data, the travel speed of the secured vehicle 20 is calculated, and the speed violation time or distance that the secured vehicle 20 traveled exceeds the legal speed of the actual road corresponding to the travel route of the secured vehicle 20. Since the risk of a traffic accident of the secured car 20 is predicted based on this accumulated value and the customer C is warned, the occurrence of a traffic accident due to speeding is reduced, and the secured car 20 The effect is that the possibility of future value loss is minimized.

  Furthermore, according to this Embodiment 1, the control part 53 and the memory | storage part 54 memorize | store the future value of the initial evaluation of the secured vehicle 20 previously, and the position data received by the communication part 51, reception time data, and vehicle identification When the data is stored for a predetermined period, the travel distance of the secured car 20 within the predetermined period is obtained for each car identification data based on the position data and the reception time data, and the future value of the secured car 20 is calculated by taking this travel distance into account. Re-evaluation, and if the re-evaluated future value falls below the future value of the initial evaluation, the display unit 52 displays that the customer C should be charged for compensation for the collateral loss. The mileage of the secured car 20 that is used in various places can be easily managed until it is fully paid, the future value that was initially evaluated is corrected by re-evaluation, and overrun The effect of the collateral cracking can be prevented by can be obtained.

  Furthermore, according to the first embodiment, the secured vehicle 20 is further provided with the sensor unit 35 that measures the engine speed data of the secured vehicle 20, and the storage unit 32 and the control unit 33 are measured by the sensor unit 35. The engine speed data and the measurement time data are stored, and the communication unit 34 assigns the engine speed data and the measurement time data stored in the storage unit 32 and the control unit 33 to the storage unit 32 and the control unit 33. The vehicle identification data is transmitted to the financial support center S via the communication network 40. In the financial support center S, the communication unit 51 transmits the engine speed data, the measurement time data, and the vehicle identification data transmitted from the communication unit 34. The control unit 53 and the storage unit 54 received via the communication network 40 receive the engine speed data, measurement time data, and Since the vehicle identification data is stored and the engine speed data and the measurement time data are displayed on the display unit 52 for each vehicle identification data, the secured vehicle 20 that can be used in various places until it is fully paid. The riding state of can be easily managed.

  Furthermore, according to the second embodiment, when a financial accident occurs, it is possible to quickly and reliably collect the secured car.

<Scope of application>
In addition, although it demonstrated taking the case of the car finance which uses a car as collateral above, this invention is not limited to this. In other words, in addition to automobiles, mobile bodies that can be used in various places such as ships and airplanes, which can be legally secured, and those that are not legally stipulated, such as past legal precedents. The present invention can be implemented as long as the effectiveness is recognized.

  In the above description, the GPS has been described as an example, but the present invention is not limited to this. In other words, in addition to GPS, the “global zenith satellite system”, the Russian “Gronus”, the European “Galileo”, etc., receive positioning signals from the positioning satellites launched in the sky and calculate the position data. The present invention can be implemented if it is a “positioning system (* 3)”.

(* 3) “Global Positioning System”: Global Navigation Satellite Systems [English]. Abbreviation GNSS.

  Furthermore, the means for presenting various data transmitted from the secured car positioning device 30 is not limited to the display unit 52, and may be presented by voice output, printing, data writing to a recording medium, or the like. It is also possible to transmit from the communication unit 51 via the communication network 40 to others having communication means. In addition, the method of presenting various data is not limited to the case of outputting the data as it is, and the data may be presented by drawing, graphing, or statistical processing.

  Further, the evaluation of the future value of the automobile is not limited to the method using the database 55. For example, a calculation formula for evaluating the future value of the automobile is stored in the storage unit 54 in advance, and the control unit 53 uses this calculation formula. The future value may be re-evaluated using.

  A mobile zone, B financial institution, C customer, M used car buying and selling market, P plot, S financial support center, 10 GPS satellite (positioning satellite), 20 secured vehicle (secured mobile body), 30 secured vehicle positioning device, 31 GPS Receiving unit (positioning signal receiving unit), 32 storage unit (first control unit), 33 control unit (first control unit), 34 communication unit (first communication unit), 35 sensor unit (riding state measuring unit) ), 40 communication network, 50 secured vehicle management device, 51 communication unit (second communication unit, presentation unit), 52 display unit (presentation unit), 53 control unit (second control unit), 54 storage unit (first 2 control means), 55 database (second control means).

Claims (9)

  Finance that keeps track of the location of the mobile unit used by the customer using the global positioning system until the customer who received the loan with the mobile unit owned by the customer as a collateral is completed Support system. In the financial support system for managing the mobile unit used by the customer at the financial support center until the customer who received the loan with the mobile unit owned by the customer as a collateral is completed,
In the above moving body,
Positioning signal receiving means for receiving positioning signals from positioning satellites;
Calculating the position data of the mobile body based on the positioning signal received by the positioning signal receiving means, and a first control means for storing the position data and its reception time data;
The first communication means for transmitting the position data and the reception time data stored by the first control means and the mobile unit identification data provided by the first control means to the financial support center. Prepared,
The above financial support center
Second communication means for receiving the position data, the reception time data and the mobile object identification data transmitted from the first communication means;
A presentation means for presenting various data;
The position data received by the second communication means, the reception time data, and the mobile object identification data are stored, and the position data in the reception time data is presented to the presenting means for each mobile object identification data. And a second control means for causing the financial support system.   The second control means stores the moving area of the moving body in advance and stores the position data, the reception time data and the moving body identification data received by the second communication means for a predetermined period. In addition, the total stay time in which the position data has been staying in the moving area is obtained from the reception time data, and the ratio with the predetermined period is compared with a threshold value. The financial support system according to claim 2, wherein a warning is presented.   The second control means stores in advance the legal speed of the actual movable path through which the moving body can move, and also stores the position data, the reception time data, and the moving body identification data received by the second communication means for a predetermined period. When stored, the moving speed of the moving body is calculated for each moving body identification data, and the moving body has moved above the legal speed of the actual movable path corresponding to the moving path of the moving body. 3. The financial support system according to claim 2, wherein an integrated value of time or distance is obtained, a risk of an accident of the mobile object is predicted based on the integrated value, and a warning is given to the customer of the mobile object.   The second control means stores in advance the future value of the initial evaluation of the mobile object, and stores the position data, the reception time data, and the mobile object identification data received by the second communication means for a predetermined period. For each identification data, the moving distance of the moving body within the predetermined period is obtained based on the position data and the reception time data, and the future value of the moving body is re-evaluated taking this moving distance into account. 3. The presenting means is made to present to the effect that the customer should be charged for compensation for the collateral cracking when the evaluated future value falls below the future value of the initial evaluation. Financial support system. The moving body further includes riding state measuring means for measuring riding state evaluation data of the moving body,
The first control means stores the riding state evaluation data and the measurement time data measured by the riding state measuring means,
The first communication means transmits the riding state evaluation data and measurement time data stored by the first control means, and the moving body identification data provided by the first control means to the financial support center. ,
In the financial support center, the second communication means receives the riding state evaluation data, the measurement time data, and the mobile object identification data transmitted from the first communication means,
The second control unit stores the riding state evaluation data, the measurement time data, and the moving body identification data received by the second communication unit, and the riding state evaluation data for each moving body identification data. 3. The financial support system according to claim 2, wherein said measuring time data is presented by a presentation means. The terminal of the financial institution that provides the loan has a financial accident detection means for detecting a financial accident,
The financial support center includes a collection start unit that operates for starting collection of a moving body by communication from a terminal of the financial institution that has detected a financial accident.
The financial support system according to claim 2.   Finance that keeps track of the location of the mobile unit used by the customer using the global positioning system until the customer who received the loan with the mobile unit owned by the customer as a collateral is completed Support method. On the computer,
Finance that features the global positioning system to keep track of the location of the mobile unit used by the customer until the customer who received the loan with the mobile unit owned by the customer as a collateral is completed Support program.