KR101431159B1 - Car financing system by bank loan and method for operating the system - Google Patents

Abstract

The present invention relates to an automobile financial system through a bank loan and a method of operating the same.
The present invention relates to a network system based on a network between a network server and a financial institution server, and is a financial system in which, based on a loan request of an individual or an individual operator who purchases an automobile, A bank server that approves the provision of the loan product and decides to issue a loan to the requester of the automobile transaction with the guarantee insurance product for the automobile purchase price as the collateral, the identity of the requester, And a second insurer server providing a bank server with a rights insurance product for the car delivery process, and a second insurer providing a bank server with a guarantee insurance product for the sale of a car based on the rights insurance product upon request of the bank server Automobile Finance System Through Bank Loans Including Server It discloses a.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automobile financial system and a method for operating the same,

The present invention relates to an automobile financial system and a method of operating the same.

Currently, when an individual purchases a car through a car dealership such as a car sales agent or a salesperson, the car purchaser subscribes the car finance product of the financial company through the car dealer.

According to the current automobile financial market structure, the cost structure of the car buyer is too complicated to understand by the buyer of the car, and all the tasks related to the entry of the automobile financial products are delegated to the car dealer. The handling fee generated at a predetermined rate of the loan amount is included in the car sales price paid by the car buyer. In addition, since the commission paid for introducing the loan product to the customer during the profit of the car dealer takes a large portion, the car dealer pays an incidental expense to provide the customer with the gift to attract the car buyer.

Therefore, in the current auto financing market, the cost structure of the car buyer and the profit structure of the car dealers are inevitably incurring additional costs due to the handling fee or the commodity introduction fee, so that the auto-loan company such as Capital Corporation Relatively high interest rate policy.

In addition, in the current automobile financial market structure, there is a possibility that personal credit information may leak due to the receipt of loan documents by an automobile dealer, and since a direct transaction with a financial company employee is not made, a car buyer can not be guaranteed a transparent transaction, There is an inconvenience to know about.

The present invention aims at providing a low-interest loan product of a bank to an individual or an individual purchaser of an automobile and providing an automobile financing system and a method of operating the same through a bank loan that minimizes the risk of loss to the bank .

The automobile financial system according to an embodiment of the present invention is based on a network between a bank server based on a network and a server of another financial institution and concludes an automobile sales contract of the requestor of the loan in response to a loan request of an individual or an individual operator who purchased the automobile A bank server for authorizing the provision of the loan product to the automobile sales price based on the information and for making a decision to pay the loan demand for the automobile sales proceeds to the loan requester with the guarantee insurance product for the loan as collateral; A first insurer server for providing the bank server with an insurance product related to the identity of the loan requester, the status of employment and the car delivery procedure at the request of the bank server; And a second insurance company server for providing a guarantee insurance product for the automobile purchase price to the bank server based on the rights insurance product at the request of the bank server.

The bank server according to an embodiment of the present invention includes: a loan review processing unit for reviewing a loan possibility of the loan requestor; Processing a request for providing a product to the first insurance company server and the second insurance company server and receiving the goods based on the examination result of the loan examination processing unit; and receiving a premium for the first insurance company server and the second insurance company server A central processing unit for processing the payment of the loan and the payment of the loan to the loan requestor; And a database unit including personal information of customers including the loan requestor, information for rating credit ratings of the customers, and information for examining the possibility of issuing the guarantee insurance.

A method of operating an automobile financial system by a bank according to an embodiment of the present invention includes a bank server providing a loan product for an individual or an individual business entity, a first insurance company server providing a rights insurance product, 2. A network-based financial system for an insurance company server, comprising: a bank server examining the possibility of lending to the loan requestor in response to a loan request of an individual or an individual business operator purchasing an automobile; Authorizing the bank server to provide the loan product to the automobile sales proceeds based on the automobile sales contract conclusion information of the loan requestor and the examination result on the possibility of lending; Requesting, by the bank server, the first insurance company server for the identity of the loan requestor, the status of employment, and the rights insurance product related to the car delivery procedure; The bank server requesting the second insurance company server for a guarantee insurance product for the loan; And a banking server for providing the guarantee insurance product provided from the second insurance company server based on the right insurance product provided from the first insurance company server to the bank requesting the loan requestor to pay the loan for the automobile transaction money .

According to the present invention, a bank that has entered into a lending agreement with an individual or an individual business operator who purchases an automobile is liable for the loss of a bank caused by the automobile financial product Can be reduced.

In addition, banks can provide customers with relatively low-interest car finance products because they do not have a loan handling fee, and they receive loan requests from car buyers through a single channel through a bank. Therefore, the loan rate is based on standardized interest rate calculation standards. . The burden on car purchasers can be minimized because the installment handling fee other than the loan interest rate and the cost of setting up the mortgage on the car are exempted.

In addition, the risk of personal information leakage can be reduced and the understanding of the car buyer about the loan product can be improved because the bank and the car buyer providing the loan product directly deal with it.

1 shows a schematic block diagram of a car finance system according to an embodiment of the present invention.
2 shows a detailed block diagram of an automotive financial system according to an embodiment of the present invention.
FIG. 3 illustrates a flow chart of operations between entities using an automobile financing system according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a method of operating an automobile financing system by a bank according to an embodiment of the present invention.
Hereinafter, referring to FIGS. 1 to 4, a detailed description will be given of an automobile financing system using a bank loan and a method of operating the same according to an embodiment of the present invention. It should be noted that, in adding reference numerals to the constituent elements of the respective drawings, the same constituent elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings.

1 shows a schematic block diagram of a car finance system according to an embodiment of the present invention.

The automobile financial system 100 according to one embodiment includes a bank server 110, a first insurance company server 120, and a second insurance company server 130. The bank server 110, the first insurance company server 120, and the second insurance company server 130 operate through communication based on the network 140.

The bank server 110 receives a loan request for an automobile transaction from an individual or an individual who purchased the automobile. The bank server 110 may receive a loan request from the loan requestor's computer through an external Internet network or a mobile communication network. Also, at the request of the car purchaser visiting the bank branch, the loan request of the car buyer is input by the sub-computer constituting the same bank network as the bank server 110, and the bank server 110 receives the loan request It is possible.

The bank server 110 judges whether or not the requestor of the loan can be provided with the car finance loan product. Further, the bank server 110 determines whether to approve the provision of the car finance loan product to the loan requesting party, based on the car loan contracting information of the loan requesting party. The loan requestor's loan for the sale of automobiles (hereinafter referred to as the "automobile loan") may be the full amount or part of the proceeds from the sale of automobiles at the request of the loan requestor.

The bank server 110 requests the first insurance company server 120 for the right insurance product related to the loan requestor for which the loan for the automobile loan is approved and issues the guarantee insurance product for the automobile loan to the second insurance company server 130 request.

The first insurance company server 120 receives a request for a rights insurance product from the bank server 110 regarding the loan requestor. The rights insurance for the loan requestor may include credit insurance for the identity of the requester or the status of employment and the delivery procedure for the automobile purchased by the loan requestor. The first insurance company server 120 may provide credit information to the bank server 110 such as the identity of the requester, the employment status, the car delivery status, and the like, in response to the request for the insurance product of the bank server 110.

The second insurance company server 130 receives a request for a guarantee insurance product for the automobile loan of the lender from the bank server 110. The second insurance company server 130 can receive credit information of the loan requestor provided by the first insurance company server 120 from the bank server 110 and confirm it. The second insurance company server 130 determines whether or not to provide the guarantee insurance commodity for the car loan of the lender to the bank server 110 based on the credit request information of the lender. The second insurance company server 130 may notify the bank server 110 of the approval of the insurance guarantee for the automobile loan.

The bank server 110 determines the payment of the automobile loan to the loan requestor approved as the loan as the guarantee insurance product for the automobile loan provided from the second insurer server 130 as collateral. If the loan requestor has entered into a car deal contract with an automobile sales agency or branch office, the bank server 110 may pay automobile loans for the loan requestor to the car sales agent or branch office on the date of vehicle acquisition.

The rights insurance product provided from the first insurance company server 120 by the bank server 110 confirms the identity and the status of the purchaser of the car when the automobile loan is paid to the requestor of the loan, To compensate for bank losses that may arise from spoofing practices.

The guarantee insurance commodity that the bank server 110 receives from the second insurer server 130 is to compensate for the amount of the automatic loan that has not been recovered from the automatic loan paid to the requestor. The commitment of the guarantee insurance for the automobile loan of the loan requester can be approved based on the identity and the employment status of the loan requester confirmed by the first insurance company server 120 and the credit information regarding the car delivery procedure status.

The network 140, which is a communication means for connecting the bank server 110, the first insurance company server 120 and the second insurance company server 130, can be connected to a wired Internet network including a closed-type intranet, And a possible communication means such as a computer network capable of various data communication as well as a wireless Internet communication network.

The detailed structure of the automotive financial system 100 according to an embodiment of the present invention will be described in detail with reference to FIG. In the following description, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In addition, preferred embodiments of the present invention will be described below, but it is needless to say that the technical spirit of the present invention is not limited thereto and can be variously modified by those skilled in the art.

2 shows a detailed block diagram of an automotive financial system according to an embodiment of the present invention.

The bank server 110 according to one embodiment includes a central processing unit 210, a loan examination processing unit 220, and a database unit 230. The database unit 230 includes a customer personal information DB 232, a guarantee insurance issue information DB 234, and a credit rating information DB 236. The first insurance company server 120 according to one embodiment includes a central processing unit 240, an identity / employment confirmation processing unit 250, and a vehicle delivery procedure confirmation processing unit 260. The second insurance company server 130 according to one embodiment includes a central processing unit 270 and a guarantee insurance examination processing unit 280.

The central processing unit 210 of the bank server 110 manages the transmission and reception of various information processed by the bank server 110 and calculates a premium for the receipt of a loan request and calculation of a loan, And processes various processes from loan request to loan payment.

The loan examination processing unit 220 examines the possibility of issuing the guarantee insurance of the requestor of the loan and the possibility of the bank's loan. The loan examination processing unit 220 uses the customer personal information DB 232 and the credit rating evaluation information DB 236 stored in the database unit 230 to determine whether the loan requestor's income, And credit rating information within the bank, to determine the likelihood that the bank will approve the loan. Also, the loan examination processing unit 220 may use the guarantee insurance issue information DB 234 to determine the possibility of issuing the guarantee insurance based on the personal information and the income information of the loan requestor.

The central processing unit 210 of the bank server 110 may output the approval information of the automobile finance loan product to the requestor of the loan upon receiving the loan qualification information of the automobile financial product from the loan review processing unit 220. [

The central processing unit 210 of the bank server 110 sends the first insurance company server 120 a request for provision of the rights insurance product related to the loan requestor related to the identity and employment status of the loan requestor and the car delivery procedure status.

The central processing unit 240 of the first insurance company server 120 receives the request for providing the right insurance product from the bank server 110 and transmits the rights insurance information corresponding to the right insurance product to the bank server 110 do. The central processing unit 240 of the first insurance company server 120 receives the insurance request from the bank server 110 based on the request to provide insurance for the loan request from the bank server 110 to the identity and employment confirmation processing unit 250 and the car delivery procedure confirmation processing unit 260, To the credit requestor's credit information. Based on an instruction from the central processing unit 240 of the first insurance company server 120, the identity / employment confirmation processing unit 250 checks the identity and the job status of the loan requestor, Investigate the condition of the car delivery process after purchasing the car from the requester or car sales agent.

The central processing unit 240 of the first insurance company server 120 may transmit the information on the expected date of shipment of the car while providing the rights insurance product to the bank server 110. [

When the central processing unit 210 of the bank server 110 receives the right insurance information from the first insurance company server 120, including the credit information on the identity, the employment status and the car delivery procedure status of the loan requestor, The server 130 transmits a request for a guarantee insurance product for the loan requestor's automobile loan. The central processing unit 210 of the bank server 110 may send the second insurance company server 130 the rights insurance information regarding the loan requestor together with the request for the guarantee insurance product.

The central processing unit 270 of the second insurance company server 130 receives a request for the guarantee insurance product for the automobile loan from the bank server 110. [ The central processing unit 270 of the second insurance company server 130 sends the insurance insurance information including the credit information on the identity, the employment status and the car delivery procedure status of the loan requestor to the bank server 110 As shown in Fig.

The guarantee insurance review processing unit 280 of the second insurance company server 280 can judge whether the loan requestor is eligible to issue the guarantee insurance policy based on the right insurance information about the loan requestor. To the bank server 110, approval information informing that the issuance of the guarantee insurance policy for the automobile loan of the second insurance company server 130 is approved.

When the central processing unit 210 of the bank server 110 receives the information about the estimated date of shipment from the first insurance company server 120, the central processing unit 210 of the bank server 110 notifies the second insurance company server 130 A request for provision can be transmitted. When the car is shipped on the due date of the car, the central processing unit 210 of the bank server 110 sends the car sales price to the car sales agent or dealer at the car shipment date based on the warranty information based on the guarantee insurance on the car shipment day You can decide.

The central processing unit 210 of the bank server 110 decides to pay the automobile loan to the requestor of the loan with the guarantee insurance product for guaranteeing the amount of the interest on the automobile loan provided from the second insurer server 130 as collateral . Automobile loans can be remitted directly to the requestor's account or to an automobile sales agent or branch that has entered into a car sales contract with the requester on the day of the automobile acquisition.

The central processing unit 210 of the bank server 110 may decide to remit insurance premiums for the rights insurance and guarantee insurance to the first insurance company server 120 and the second insurance company server 130, respectively. For example, premiums on rights insurance can be calculated in proportion to the amount of the loan. In addition, premiums under guarantee insurance are determined at a predetermined rate for the amount of insurance coverage, and can be variably determined according to the individual CB (Credit Bureau) rating of the loan requestor.

The central processing unit 210 of the bank server 110 can determine the interest rate of the automobile financing considering the insurance premium. For example, to alleviate bias in the CD rate, the lending rate may be determined to use only the financial interest rate. In addition, the lending rate can be determined by taking into account the guarantee premium and the rights premium based on the sum of market interest rate and spread.

The calculation limit of the loan limit can be determined up to a predetermined upper limit within the range of the amount excluding the advance payment in the car transaction price and the loan limit can be calculated by the second insurance company server 130 and notified to the bank server 110.

The central processing unit 210 of the bank server 110 can determine an upper limit and a lower limit of a loan repayment period and a holding period. The central processing unit 210 of the bank server 110 may request the car buyer to repay the loan according to the principle equally divided payment method.

Based on the automobile financial system 100 according to the embodiment described above, a series of loan requestors, car dealers, banks, first insurers and second insurers until the car buyer and the bank conclude loan agreements for the car Will be described in detail later with reference to Fig.

FIG. 3 illustrates a flow chart of operations between entities using an automobile financing system according to an embodiment of the present invention.

The car buyer 320 requests the bank 340 to make a loan for the car sales proceeds. The bank 340 reviews the possibility of lending in response to the loan request of the car buyer 320 (step 301). The bank lending qualification of the car buyer 320 may be determined by information including personal credit status such as proof of income, age, whether a driver's license is present, and the financial cost burden ratio with respect to income. The credit rating of the car purchaser 320 according to the internal credit rating system (CSS) of the bank 340 and the eligibility of issuance of the guarantee insurance policy of the car buyer 320 will be examined . If it is determined that the automobile purchaser 320 is eligible to lend the automobile financial product as a result of the eligibility examination of the bank 340, the automobile purchaser 320 can be notified to the automobile purchaser 320.

The car buyer 320 enters into a car sales contract with the car sales agent 330 (step 302). When the vehicle purchase contract is concluded, the car buyer 320 enters into a loan agreement with the bank 340 by signing up with the automobile financial product (step 303).

The bank 340 submits the rights insurance product for the car buyer 320 to the first insurance company 350 (step 304). The first insurer 350 examines the identity and occupation status of the car buyer 320 at step 305 and issues a confirmation of the identity and occupation status of the car buyer 320 to the bank 340 306).

The bank 340 submits the guarantee insurance product for the car loan of the car buyer 320 to the second insurance company 360 (step 307). In this case, the warranty insurance product only warrants the amount that the bank 340 has not recovered from the car buyer 320.

The second insurance company 360 determines whether or not to approve the purchase of the guarantee insurance commodity for the car loan of the car buyer 320 based on the confirmation of the identity of the car purchaser 320 issued by the first insurance company 350 You can decide. If the second insurer 360 approves the purchase of the insured item for the car loan of the car buyer 320, the second insurer 360 may issue a certificate to the bank 340 (step 308).

The bank 340 can execute the loan to the car buyer 320 with the guarantee insurance product concluded with the second insurance company 360 as collateral on the basis of the rights insurance product concluded with the first insurance company 350 . Accordingly, the bank 340 remits the loan of the automobile financial product with the automobile purchaser 320 to the automobile sales agency 330 on the date of the automobile acquisition (step 309).

For example, if the bank 340 is informed of the estimated date of shipment through the first insurance company 340 and the car is shipped on the due date of the shipment, the insurance insurance subscription step between the bank 340 and the second insurance company 350 (Step 307), the certificate issuance step (step 308) of the second insurer 350, and the loan payment step (step 309) of the bank 340 may occur on the same date in accordance with the car shipment date.

The automobile sales agent 330 that has received the car transaction payment issues the automobile manufacturer certificate to the car buyer 320 and the first insurer 350 can confirm the car dealer certificate of the car buyer 320 311). Also, when the car buyer 320 delivers the car and completes the car registration, the first insurance company 350 can confirm whether the car buyer 320 registers the car (step 312). The first insurer 350 can check the credit status of the car buyer 320 for the car delivery procedure.

A series of operations of the bank 340, the first insurer 350, and the second insurer 360 may be performed in a communication environment in which data transmission through various wired and wireless networks is possible, The first insurance company server 120, and the second insurance company server 130 of the banking server 100, respectively. A flow chart of a method of operating an automobile financing system through bank lending based on this will be described with reference to FIG.

FIG. 4 is a flowchart illustrating a method of operating an automobile financing system by a bank according to an embodiment of the present invention.

In step 410, the bank server examines the possibility of lending to the requestor of the loan, upon request of the individual or individual to whom the vehicle was purchased. A loan request from the loan requestor may be input from the loan requestor's personal computer or a subcomputer of the bank network. Based on the loan requester's income, age, car license, personal credit status, and bank credit rating information, the bank server can review the possibility of issuing warranty insurance for the requester and the possibility of lending to the bank.

In step 420, the bank server approves the provision of the automobile financing product for the car sales proceeds, based on the car loan agreement information of the loan requestor and the examination result on the loan possibility.

At step 430, the bank server requests the first insurer server for the identity of the requester, the status of employment, and the rights insurance product for the car delivery procedure. The bank server may receive a confirmation from the first insurer server about the identity, occupation and car delivery procedure according to the rights insurance product.

In step 440, the bank server requests a second insurance company server for a guarantee insurance product for the loan. It may approve the provision of the guarantee insurance product to the bank server based on the identification information of the loan requester provided from the first insurance company, the information on the issuance of the automobile license, and the automobile registration information. The bank server may receive a certificate from the second insurance company server upon subscription to the insurance product.

At step 450, the bank server decides to provide the loan request for the automobile purchase price to the loan request client, with the guarantee insurance product provided from the second insurance company server as a security based on the right insurance product provided from the first insurance company server. The bank server may decide to pay the car loan to the car sales agent who sold the car to the loan requestor. The first insurance company server may retrieve information on the car delivery procedure of the loan requester, such as issuing a car purchase certificate of a car buyer and registering a car.

The above-described embodiments of the present invention can be embodied in a general-purpose digital computer that can be embodied as a program that can be executed by a computer and operates the program using a computer-readable recording medium. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), optical reading medium (e.g., CD ROM,

The present invention has been described with reference to the preferred embodiments. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

100: Automobile financing system 110: Bank server
120: First insurer server 130: Second insurer server
140 network network 210 central processing unit
220: Loan examination processing unit 230: Database unit
232: customer personal information DB 234: guarantee insurance issuing information DB
236: Credit rating information DB 240: Central processing unit
250: guarantee insurance examination processing unit 260: central processing unit
270: Identity / employment confirmation processing unit 280: Automobile delivery process confirmation processing unit
320: car buyer 330: car sales agent
340: Bank 350: First insurer
360: 2nd insurer

Claims (10)

In a network-based financial system between a network-based bank server and another bank server,
The method according to claim 1, further comprising: accepting a loan commodity for the purchase price of the automobile on the basis of information on concluding the automobile purchase contract of the loan requestor, A first insurance product for compensating for a loss of a bank that may be caused by the act of falsification and a second insurance product for compensating for an amount not recovered from the loan provided to the requestor by the loan product, A bank server that decides to pay the loan to the requester;
A first insurance server for providing the first insurance product to the bank server, the first insurance product including an identity and a status of the loan requestor, and credit information for a car delivery status at the request of the bank server; And
And a second insurance company server providing the second insurance commodity for the loan based on the first insurance commodity to the bank server at the request of the bank server,
Wherein the first insurance product of the first insurer includes at least one of issuance information and automobile registration information of an automobile manufacturing certificate for the automobile purchased by the loan requestor,
Wherein the second insurance commodity provided from the second insurance company server further comprises a second insurer based on the identification information on the identity and employment status of the loan requestor provided from the first insurance company, Approved to be provided to the bank server,
Wherein the first premium for the first insurance product is calculated in proportion to the total loan amount of the loan requestor, the second premium for the second insurance product is determined at a predetermined ratio for the loan, Wherein the loan interest rate for the loan is determined based on the sum of the spread determined based on the second insurance premium and the market base interest rate. The bank server according to claim 1,
A loan examination processing unit for examining a loan possibility of the loan requestor;
Processing a request for providing a product to the first insurance company server and the second insurance company server and receiving the goods based on the examination result of the loan examination processing unit; and receiving a premium for the first insurance company server and the second insurance company server A central processing unit for processing the payment of the loan and the payment of the loan to the loan requestor; And
And a database unit for storing personal information of the customers including the loan requestor, information for rating credit ratings of the customers, and information for examining the issuance possibility of the second insurance. Automobile financial system. 3. The system according to claim 2,
And the likelihood of issuing the second insurance of the loan requestor and the possibility of lending of the bank are examined based on the income, age, car license validity, personal credit status and bank credit rating information of the loan requestor Automobile financing system through bank loans. The bank server according to claim 1,
And the loan is paid to the automobile sales agent who sold the automobile to the loan requestor. delete In a method of operating a banking system providing a loan product for an individual or individual operator,
The bank server examining the possibility of lending to the loan requestor in response to a loan request from an individual purchasing an automobile or an individual business operator;
Authorizing the bank server to provide a loan product for the purchase price of the automobile on the basis of the automobile sales contract conclusion information of the loan requestor and the examination result of the possibility of lending;
Wherein the bank server is further operable to, in order to compensate for the loss of the bank that may arise from the lease of the lender of the lender in the lease requester's car sales contract, Requesting a first insurance company server for a first insurance product including credit information on the status;
The bank server requesting a second insurance company for a second insurance product to compensate for an uncollected amount of the loan provided to the requestor by the loan product; And
And the bank server transmits the loan to the loan requestor as a security for the first insurance product provided from the first insurance company server and the second insurance product provided from the second insurance company server, Comprising:
Wherein the first insurance product of the first insurer includes at least one of issuance information and automobile registration information of an automobile manufacturing certificate for the automobile purchased by the loan requestor,
Wherein the second insurance commodity provided from the second insurance company server further comprises a second insurer based on the identification information on the identity and employment status of the loan requestor provided from the first insurance company, Approved to be provided to the bank server,
Wherein the first premium for the first insurance product is calculated in proportion to the total loan amount of the loan requestor, the second premium for the second insurance product is determined at a predetermined ratio for the loan, Wherein a loan interest rate for the loan is determined based on a sum of a spread determined based on the second insurance premium and a market base interest rate. 7. The method as claimed in claim 6,
Receiving, from the first insurance company server, a confirmation of identity, service and car delivery procedure according to the first insurance product, provided at the request of the bank server; And
Further comprising receiving from the second insurance company server a guarantee for the second insurance product provided at the request of the bank server. 7. The method according to claim 6,
Based on the income of the loan requestor, the age, the presence of the vehicle license, the personal credit status, and the credit rating information of the bank, the bank server judges the possibility of issuing the second insurance for the loan requestor, The method comprising the steps of: The method according to claim 6, wherein the step of determining the loan payment comprises:
And the loan is paid to the automobile sales agent who sold the automobile to the requestor of the loan. delete

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