KR101760476B1 - Vehicle Mortgage Set-up Registration System and Method thereof - Google Patents

Abstract

In the present invention, a registration system and method for establishing a trustee vehicle mortgage are disclosed. The commuter vehicle setting registration system includes: a database for storing the commissioned vehicle setting registration application information and the setting registration information; Receives the depository vehicle mortgage establishment registration application information from the installment financial terminal 610 with reference to the database, requests and inquires of the registration server to the server of the automobile registration institution, receives from the installment financial terminal terminal a mortgage Receives the registration requester's mobile phone number, name, car number information, etc., transmits it to the authentication company server, performs the authentication procedure using the digital signature, transmits the digital signature completion information to the installment financial server, And an on-casus server 200 for receiving and processing information or post-payment information, and receiving and storing the mortgage-set-up registration completion information from a registration-institution server that completes the application for registration of the mortgage- The present invention can facilitate the convenience of the applicant since it is possible to process all the procedures on-line without the need for complicated documents even when the mortgage-lender and the debtor are different.

Description

[0002] Vehicle Mortgage Set-up Registration System and Method thereof [0003]

The present invention relates to a system and method for establishing a municipal vehicle mortgage registration system for setting up and registering an automobile mortgage right when funds are transferred from an installment financial institution or a financial institution as a commissioned vehicle. In particular, according to the present invention, when the mortgage holder (the owner of the car) and the debtor finance the installment financing with a different commissioned vehicle, the authentication procedure and the tax payment process are performed on the system so that the setup registration process is performed scientifically and conveniently without any additional documents And more particularly, to a system and method for registering a mortgage vehicle mortgage.

At present, many people are making loans using automobiles from installment finance companies, and there are many cases where vehicles purchased through installment financing are resold.

Therefore, it is necessary to systematically manage the registration and tax payment of vehicles according to installment financing.

However, in the past, setting registration of such a vehicle has not been systematically carried out.

Korean Registered Patent No. 10-1166540 (published on July 11, 2012) is a conventional technique for registering such a car setting.

In a conventional automobile mortgage online setting registration system, an installment financial server is a server operated by an installment financial institution that provides installment financing to a specific car owner when purchasing a car

The installment financial server receives an electronic document such as an automobile mortgage contract and a car owner seal certificate for the purpose of agreeing to establish a mortgage policy from the terminal of the car owner (mobile terminal, PC, etc.)

The installment financial service server accesses the online mortgage registration service system and applies for the online mortgage registration service.

Accordingly, the automobile mortgage online setting registration service system is connected to the automobile registration administration server server on-line and carries out the online mortgage registration registration service process.

The automobile registration administrative agency server is a server operated by an administrative agency that performs various processes related to the automobile registration, and registration of the mortgage registration is finally made.

In addition, the bank server is a server operated by the bank to pay the taxes and the like imposed when applying for registration of the mortgage, so that a virtual account can be established to allow the installment financial institution to pay various costs such as taxes.

The conventional mortgage registration registration system configured as described above receives a seal certificate and a mortgage-setting contract for the automobile setting agreement, which causes a problem of generating communication traffic due to a large amount of data transmitted and received in the system, inconvenience of the mortgage-lender and mortgage lender .

Also, the conventional mortgage lending system configured as described above has a problem in that it can not be verified in real time that the mortgage lender is an individual.

Further, in the conventional mortgage registration setting system, mortgage setting can be performed only when the mortgage-settler and the debtor are the same.

So, there is a problem that the wasted vehicle can not set the mortgage online.

SUMMARY OF THE INVENTION Accordingly, the present invention has been made to solve the above-mentioned problems occurring in the prior art, and it is an object of the present invention to provide a system and method for registering a mortgage vehicle mortgage for which a mortgage can be set online even when the mortgagee issuer and the debtor are different.

In addition, the technical problem to be solved by the present invention is to solve the problems of the related art, and when the mortgage-settler and the debtor are different, they always visit the registration office to process the mortgage setting work, There is provided a system and method for registering a settled vehicle of a trustworthy vehicle.

It is another object of the present invention to solve the conventional problems. In the case of a complainant (installment financing company), when a mortgage is set up in a mortgage car, a plurality of corporations, such as a mortgage holder, a corporate seal certificate of a debtor, The present invention is intended to provide a system and method for registering a municipal vehicle mortgage for setting up a mortgage without any collection of sensitive documents.

It is another object of the present invention to provide a system and method for setting up a municipal vehicle municipal rights registration system capable of processing all procedures on-line without the need for complicated documents, .

It is another object of the present invention to provide a system and method for registering a municipal vehicle mortgage insurance establishment in which real time authentication is performed to enhance the security of registration of a mortgage policy setting registration.

Also, the technical problem to be solved by the present invention is to establish and register on-line, and to allow the installment financial institution to pay the local tax to the virtual account and to pay the amount electronically, thereby making it possible to use the registration authority, the registration requestor, The present invention is intended to provide a registration system and method of setting up a trustee vehicle mortgage registration system which has the effect of eliminating the possibility of the occurrence of fraud by a person who submits a registration, a debtor, or other automobile owner.

It is another object of the present invention to provide a system and method for registering a municipal vehicle mortgage registration establishment in which security authentication can be enhanced by separately configuring a server of a certification company.

According to an aspect of the present invention,

A database for storing the submission vehicle registration application information and the setting registration information; Receives the depository vehicle mortgage establishment registration application information from the installment financial terminal 610 with reference to the database, requests and inquires of the registration server to the server of the automobile registration institution, receives from the installment financial terminal terminal a mortgage And transmits the digital signature completion result information to the installment financial server server 600. The installment financial institution server 600 transmits the digital signature completion result information to the installment financial institution server 600, The on-casus server 200 receives and prepares the prepaid information or the prepaid information from the server 600, and receives and stores the mortgage setting registration completion information from the registration authority server 300 that completes the application for registration of the mortgage policy setting.

The on-casus server (200)

Receives the registration vehicle registration information from the installment financial institution terminal 610 by referring to the database, receives the car registration number information, requests the registration server of the automobile registration server, receives the registration result information,

Registration information of the installment financial institution terminal 610 and receives and stores the mobile phone number, name , etc. of the mortgagee setting registration requestor, which is different from the mortgagee setting provider and the debtor, through the installment financial terminal 610, (201);

Transmits the setting registration additional information and the information of the setting registration requestor to the authentication company server, generates the authentication number, transmits the authentication number to the registered mortgage establishment registration requesting cellular phone, requests the third authentication company server to confirm the identity, In addition,

If the received information matches the inquiry result of the registrar server and the identity verification result information of the authentication company server, the authentication number is transmitted to the mobile phone of the mortgage establishment registration requestor, and the installment financial institution terminal 610 or the on- Receives the authentication number through the authentication processing unit (202) of the authentication server (200), verifies whether or not the authentication number is identical, communicates with the third authentication company server

An authentication processing unit 202 for receiving the authentication result, completing the digital signature, and transmitting the digital signature completion result information to the installment financial server server 600;

The prepaid information or the prepaid information is received and displayed from the financial institution server 600, the payment information is sent to the financial institution server 700 in the case of prepaid payment, the virtual account number information is received from the financial institution server 700, The account number information and the amount information to the installment financial company server 600,

Receives the payment information of the installment financial server 600 from the financial institution server 700, and completes the application for registration of the mortgage setup and transmits the mortgage setup registration application completion information to the registration agency server and the standard local tax server, And a financial processor 203 for receiving the electronic payment number information, transmitting the electronic payment number information to the financial institution server 700, and receiving and storing the mortgage registration setting completion information from the registration agency server 300. [

According to an aspect of the present invention,

When the installment financial institution manager 610 requests the installment financial institution system to set up a mortgage different from the mortgage settler and the debtor (S201) and proceeds with the mortgage setup through the on-casse server 200, the installment financial institution terminal 610 (Step S202).

When the on-car server 200 receives the vehicle registration number and the corporate registration number (or the resident registration number 7 digits) of the mortgage-settler in the installment financial terminal 610 (S203) (S204), which is transmitted to the registration authority server (300) to request a copy inquiry;

A step S205 of the registration authority server 300 inquiring the vehicle registration part and transmitting inquiry result information to the on-casus server 200;

If it is confirmed that the inquiry result is registered, step S206 of confirming the name, the type of the vehicle, the usage, the initial registration date, the mortgage and the number of foreclosures of the automobile requested by the on-casus server 200;

If it is determined that the vehicle registration number matches the registration number of the mortgage settler (S207), the step S208 of inserting the mortgage-related information necessary for registration of the mortgage setup is performed .

The method comprises:

The installment financial institution terminal 610 requests the consent of the obligor and the debtor (S209). If the mortgagee installer selects the digital signature scheme (S210), the installer financial manager selects the digital signature scheme of the mortgagee issuer as the accredited certificate scheme (S212). When the on-casse server 200 receives the electronic signature of the authorized certificate through the installment financial terminal 610, A step (S213) of transmitting a URL for electronic signature to the mobile phone 1 800 of the mortgage holder by SMS;

The mortgage setter accesses the URL of the on-casse server 200 with the cellular phone 1 800 or the PC (S214), inputs the vehicle registration number information (S215) (S216) whether the number information matches the stored car registration number of the stored mortgage registration request information.

(S217) when the on-casus server 200 requests authentication of the authorized certificate to the mobile phone 1, the PC, etc. of the mortgage-lender;

When the mobile phone 1 800 or the PC of the mortgage provider transmits the official certificate password information to the authentication company server 500 in step S218, the authentication company server 500 confirms and authenticates the password and transmits the authentication result information to the on- (S219);

(S220) the on-casus server 200 completes and stores the digital signature and transmits the digital signature completion result information to the financial institution server of the installment financial institution;

The installment financial institution manager registers information necessary for the electronic signature of the debtor (S221), selects the electronic signature scheme of the debtor (S222), selects the mobile phone MO scheme as the electronic signature scheme of the debtor, (S223) requesting the authentication company server 500 to authenticate itself;

The authentication company server 500 transmits the authentication number to the debtor's mobile phone 2 (100), confirms the identity of the user, compares the transmitted identification information with the transmitted identification information, generates an authentication number if they match, and transmits the authentication number to the debtor's mobile phone 2 Transmitting (S224);

(S225) the on-casus server 200 receives and receives an authentication number through the financial institution terminal 610 and determines whether the authentication number matches based on the authentication number;

If the authentication numbers match, the on-casus server 200 confirming the identity of the user completes identity verification through the third authentication company and proceeds with the digital signature procedure (S226);

(S227) the debtor identification request information including the authentication number requesting the digital signature from the on-line server 200 to the authentication company server 500;

(S228) of the information related to the mortgage setup registration request including the authentication number for electronic signature by the authentication company server 500 to the mobile phone number of the debtor in the mobile phone MO system;

After the debtor confirms the contents of the mortgage setup registration request and the authentication number with the mobile phone 2 (100), the authentication information is input to the authentication server 500 (S229).

The authentication server server 500 transmits the received authentication number information to the on-casus server 200 (S230);

A step (S231) of judging whether or not the on-casus server 200 matches the authentication number, completing the digital signature when it matches, and transmitting the digital signature completion information to the financial institution server

When the digital signature is completed, the installment financial company server transmits the prepaid or postal payment information to the on-casus server 200 (S232);

When the on-casus server 200 transmits prepaid information to the financial institution server 700 and requests and receives a virtual account number (S233);

The on-casus server 200 transmits the virtual account number and the amount information to be transferred to the mobile phone 1 800 (or the debtor's mobile phone 2 100) and the installment financial company server (S234).

The mortgage settler (or the debtor) and the installment financial company server transfer the corresponding amount to the virtual account number and send the payment result information to the financial institution server 700 (S235), and the financial institution server 700 transmits the payment result information To the on-casus server 200 (S236);

(S237) the on-casse server 200 completes and stores the application for registration of the mortgage setup and transmits the mortgage setup registration application completion information to the registration authority server 300;

The registrant server 300 determines whether or not to approve based on the mortgage setting registration application completion information (S238), stores the mortgage setting registration application information in the car setting registration system when approved, and transmits the mortgage setting registration application information to the cleaning system To the server 400 (S239).

The cleaning system server 400 calculates the amount of tax payment, generates an electronic payment number (S240), and transmits (S241) the tax revenue information including the registration fee, the local tax, the deficit zone, and the charge zone to the on-casus server 200;

The on-casus server 200 transmits the payment tax amount and electronic payment number information to the financial institution server 700 (S242);

The financial institution server 700 transfers out-of-state revenue such as registration tax, local tax, shrinking zone, and concession account from the amount deposited in the virtual account number to the electronic payment number and the account of the registered office, and transfers the transfer information to the cleansing system server 400 to the on-casus server 200 (S243), the on-casus server 200 transmits the payment completion information to the registration authority server 300 to confirm the payment completion by the registered office representative or the cleaning system server 400 (S244) of confirming payment completion information from the payment completion information;

When the cleaning system server 400 sends the payment completion information to the car registration institution server 300 (S245), the registration authority server 300 completes the registration of the mortgage setting based on the received payment amount transfer information, To the on-casus server 200 (S246);

The on-casus server 200 transmits the mortgage setting registration completion information to the financial institution server (S247);

The installment financial company server further includes a step (S248) of transmitting the mortgage setup registration completion information to the mobile phone 1 800 of the mortgage lender and the debtor's mobile phone 2 100. [

The method comprises:

If the corporation seal certificate is selected as the electronic authentication method in step S310, the installment financial manager selects the digital signature scheme of the mortgagee installer as the corporation seal certificate scheme (S311), and the mobile phone number (S312);

The on-casus server 200 transmits the mortgage settler confirmation request information including the authentication number for requesting the digital signature to the authentication company server 500 (S313).

A step S314 of the authentication vendor server 500 transmitting the mortgage setup registration request related information and the authentication number for the electronic signature to the mobile phone number of the mortgagor holder using the mobile phone MO method;

After the mortgage settler confirms the contents of the mortgage setup registration request and the authentication number with the mobile phone of the mortgage-settler, the authentication number and the corporate seal registration certificate issuance number (12 digits) are input to the mobile phone and transmitted to the authentication company server 500 (S315) The authentication server server 500 transmits the received authentication number information to the on-casus server 200 (S316);

The step S317 of determining whether the on-casus server 200 matches the authentication number, completing the digital signature when it matches, and transmitting the digital signature completion information to the installment financial server;

(S319), the installer financial institution manager selects the electronic signature scheme of the debtor (S319), selects the electronic signature scheme of the debtor as the driver's license issuance number scheme (S320) (S321), the on-casus server 200 transmits the debtor verification request information including the authentication number requesting the digital signature to the authentication company server 500 Step S322;

(S323) the authentication company server 500 transmits the mortgage setup registration request information including the authentication number for electronic signature and the authentication number to the mobile phone number of the debtor in the mobile phone MO system;

After the debtor confirms the contents of the mortgage setup registration request and the authentication number with the mobile phone 2 (100) of the debtor, the authentication number and the driver's license number (12 digits) are inputted to the mobile phone and transmitted to the authentication company server 500 (S324) The authentication server server 500 transmits the received authentication number information to the on-casse server 200 (S325);

The method further includes a step (S326) of determining whether the on-casus server 200 matches the authentication number, completing the digital signature when the information matches, and transmitting the digital signature completion information to the financial institution server 600 of the financial institution.

The method comprises:

If the on-casus server 200 receives the post-payment information by processing the local taxes in the post-payment system in the step S232, the on-casus server 200 transmits the mortgage setting registration application completion information to the registration agency server 300 Step S433;

The registration authority server 300 determines whether to approve based on the mortgage setting registration application completion information (S434). If approved, the registration authority server 300 stores the mortgage setting registration application information in the automobile registration system, Transmitting the application information to the cleaning system server 400 (S435);

The cleaning system server 400 calculates the amount of the tax payment and generates the electronic payment number (S436), and transmits the tax revenue information including the local tax, the stronghold and the credit card to the on-casus server 200 (S437);

A step S438 of requesting and receiving a virtual account creation after the on-casus server 200 transmits the payment amount and electronic payment number information to the corresponding financial institution server 700;

The on-casus server 200 transmits the virtual account number and amount information to be transferred to the mortgage settler (or debtor) and the installment financial server server 600 (S439);

And a step S440 of transferring the corresponding amount to the virtual account number by the mortgage settler (or the debtor) and the installment financial server 600, and transmitting the payment result information to the financial institution server 700 (S440).

According to the system and method for setting up a municipal car for an entrusted vehicle according to the present invention configured as described above, it is possible to set a mortgage on-line even when the mortgage-settler and the debtor are different.

Further, another effect of the present invention is that when the mortgage lender is different from the debtor, the lender visits the registration office to process the mortgage setting work, but the mortgage lender can also set the mortgage without visiting the registered office.

Further, another effect of the present invention is that, in the case of a complainant (installment financial institution), when a mortgage is set up for a consignee, a plurality of documents such as a mortgage holder and a debtor's corporate seal certificate and a personal seal certificate are necessary, Mortgage setup can be done without collecting sensitive documents.

Further, another advantage of the present invention is that it is possible to process all the procedures on-line without the need for complicated documents, thereby making it convenient for the applicant.

Further, another advantage of the present invention is that the security of the registration of the mortgage policy setting can be enhanced through the authentication process in real time.

Further, another effect of the present invention is that the installment financial institution registers the local tax online, deposits the local tax to the virtual account, and electronically makes payment from the amount of the local tax so that it is not necessary to use the cash to register the registrant, There is the effect of eliminating the possibility of fraud by the person who is applying for the registration, the debtor, the other car owner, and the agent.

Further, another effect of the present invention is that the security authentication can be strengthened by separately configuring the authentication company server.

FIG. 1 is a block diagram of a registration system for setting up a deposit car vehicle mortgage in accordance with an embodiment of the present invention.
FIGS. 2A to 2F are control flow charts of a method of setting up a deposit car vehicle mortgage policy according to an embodiment of the present invention.
FIG. 3A and FIG. 3B are diagrams illustrating an electronic signature procedure using a corporate seal certificate and a driver's license issuance number in a registration method of a trust establishment in a trustee vehicle according to an exemplary embodiment of the present invention.
FIGS. 4A and 4B are diagrams illustrating a procedure for posting a local tax in a registration method of a deposit car vehicle mortgage policy according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

Here, wastage refers to the supply of vehicles and drivers to customers (shippers) who generally require cargo transportation, and in return, a certain amount of remuneration is paid each month in accordance with the terms of the contract. An individual purchases and registers a vehicle, pays a premium for use, a monthly maintenance fee, and acts like a vehicle belonging to the transportation company.

FIG. 1 is a configuration diagram of a registration system for setting up a deposit car vehicle mortgage according to an embodiment of the present invention.

Referring to FIG. 1, a registration system for setting up a for-granted vehicle mortgage policy according to an embodiment of the present invention includes:

A database 210 for storing setting registration applicant information, setting registration application information, and setting registration information, and an on-cas server 200.

The database 210 includes an applicant information storage unit 211 for storing applicant information and a setting registration information storage unit 212 for storing the setting registration information.

The on-casus server 200 receives the registration request information of the trustee vehicle from the installment financial institution terminal 610 by referring to the database 210 and receives the registration information of the car.

At this time, the installment financial institution terminal 610 of the installment financial institution system 620 can communicate with the on-casse server 200 via the installment financial institution server 600 when information is transmitted. For convenience of explanation, the installment financial institution terminal 610 directly communicates with the installment financial institution terminal 610 .

Then, the on-casse server 200 requests the registration server inquiry to the registration server 300 and receives the registration article inquiry result information.

Also, the on-casus server 200 receives and stores the setting registration addition information from the financial institution terminal 610 and transmits the setting registration addition information to the on-line cash terminal 610 through the payment terminal 610, Name and car number information are received and stored.

Here, the information of the mortgage establishment registration requester can be variously changed as needed.

The on-casse server 200 transmits the received and stored information to the authentication company server 500, generates an authentication number, transmits the generated authentication number to the registered mortgage establishment registrant cellular phone 1 800, And receives the result of the identity verification.

In addition, the on-cas server 200 compares the received information with the inquiry result of the registration authority server 300 and the identification result information of the authentication company server 500 and, if they match, transmits the authentication number to the mobile phone 1 (800).

The on-casse server 200 receives the authentication number through the installment financial terminal 610, confirms whether the authentication number matches, and authenticates by communicating with the third authentication company server 500.

The on-casse server 200 receives the authentication result, completes the digital signature, and transmits the digital signature completion information to the financial institution server 600.

In addition, the on-casus server 200 receives and displays the prepaid information or the prepaid information from the installment financial company server 600, and transmits the payment information to the financial institution server 700 in the case of prepayment.

Then, the on-cas server 200 receives the virtual account number information from the financial institution server 700 and transmits the virtual account number information and the money amount information to the installment financial company server 600.

Also, the on-casus server 200 receives the payment information of the installment financial server 600 from the financial institution server 700 to complete the application for registration of the mortgage rights setting and transmits the mortgage establishment registration application completion information to the registration agency server 300 and the standard To the local tax server 400.

The on-casus server 200 receives the payment tax amount information and the electronic payment number information from the standard local tax server 400 and transmits the payment amount information and the electronic payment number information to the corresponding financial institution server 700 and receives the mortgage registration setting completion information from the registration authority server 300 And stores it.

The on-casse server 200 includes an information processing unit 201, an authentication processing unit 202, and a financial processing unit 203. Such a configuration will be divided into functional role descriptions, and may be composed of one or more servers as needed.

The information processing unit 201 receives the registration request information of the trustee vehicle from the installment financial institution terminal 610 with reference to the database 210 and receives the vehicle registration number information.

Then, the information processing unit 201 requests the registration server inquiry to the automobile registration institution server 300 and receives the registration article inquiry result information.

The information processing unit 201 receives and stores setting registration addition information from the installment financial institution terminal 610 and transmits the setting registration addition information to the installment financial institution terminal 610 through a mobile phone number, a name of a mortgage- , And car number information is received and stored.

The authentication processing unit 202 transmits the setting registration addition information and the information of the setting registration requestor to the authentication company server 500, generates an authentication number, and transmits the registration information to the registered mortgage establishment registration requester (such as the mortgage holder and the debtor) send.

Then, the authentication processing unit 202 requests the third authentication company server 500 to perform the identity verification, receives the identity verification result information, and transmits the inquiry result of the registration agency server 300 and the identity of the authentication company server 500 The result of the check is compared.

Then, the authentication processing unit 202 transmits the authentication number to the mobile phone 800 of the mortgage establishment registration requestor if the comparison result is identical.

Then, the authentication processing unit 202 receives the authentication number through the installment financial terminal 610, confirms whether the authentication number is identical, communicates with the third authentication company server 500 to authenticate, receives the authentication result, And transmits the digital signature completion result information to the installment financial server server 600.

The financial processing unit 203 receives and displays the prepaid information or the prepaid information from the above-described financial institution server 600.

The financial processing unit 203 transmits payment information to the financial institution server 700 in the case of prepayment, receives the virtual account number information from the financial institution server 700, and transmits the virtual account number information and the money information to the financial institution server 600 Lt; / RTI >

The financial processing unit 203 receives the payment information of the installment financial server 600 from the financial institution server 700 to complete the application for registration of the mortgage policy setting application and transmits the mortgage policy setting registration application completion information to the registration agency server 300 and the standard local tax server (400).

The financial processing unit 203 receives the payment amount information and the electronic payment number information from the standard local tax server 400 and transmits the payment amount information and electronic payment number information to the corresponding financial institution server 700 and receives the mortgage registration setting completion information from the registration agency server 300 .

The installment financial institution terminal 610 accesses the on-casse server 200 and applies for registration of a municipal car for a reserved car, and transmits the car registration number to the incoming car server 200.

The installment financial institution terminal 610 transmits setting registration addition information such as a car setting registration cause, a bond value, and a cause of a track to the CAS server 200 that has received the setting registration addition information.

The installment financial institution terminal 610 transmits the mobile phone number and the name of the caller of the vehicle mortgage (the mortgage provider, the debtor, etc.) to the CAS server 200, receives the CAS number, Lt; / RTI >

The registrar server 300 receives and inquires the vehicle registration number information from the on-casus server 200 and transmits inquiry result information to the on-casus server 200.

The registrar server 300 receives the mortgage right setting registration application completion information from the on-casus server 200 and judges whether the mortgage right setting registration application completion information is approved. If it is approved, the registration institution server 300 stores the mortgage setting registration application completion information, And transmits it to the standard local tax server 400.

In addition, the registrar server 300 receives the payment tax amount transfer information from the standard local tax server 400, completes the registration of the mortgage rights setting, and transmits the mortgage establishment registration completion information to the on-casus server 200.

The standard local taxation server 400 receives the mortgage setup registration application completion information from the registration authority server 300 and calculates a payment amount of the payment.

The standard local tax server 400 generates electronic payment number information and transmits the payment tax amount information and electronic payment number information to the on-casus server 200.

In addition, the standard local taxation server 400 receives the payment tax amount transfer information from the financial institution server 700 and transmits the payment amount transfer money information to the registry server 300.

The authentication vendor server 500 receives and stores the mobile phone number, name, car number information, and the like of the requester vehicle registration setting requester (the mortgagor, the debtor, etc.) from the on-casus server 200. At this time, the received information may be variously modified.

Then, the authentication company server 500 transmits an authentication number to a mobile phone of a mortgage establishment registration applicant (a mortgagor, a debtor, etc.), and confirms that the user is a person.

The authentication vendor server 500 receives the identity verification result information and transmits the authentication result information to the on-casus server 200.

Then, the authentication vendor server 500 communicates with the on-casus server 200 to authenticate the digital signature, and transmits the digital signature completion information to the installment financial server.

The installment financial server server 600 receives digital signature completion information from the on-casus server 200.

The installment financial company server 600 receives the virtual account number information and the money amount information from the on-casse server 200.

The installment financial company server 600 transmits the prepaid or post-payment information to the on-casse server 200, transfers the corresponding amount to the virtual account number information, and transmits the transfer result information to the financial institution server 700.

The financial institution server 700 receives payment information such as pre-payment or post-payment information from the on-casus server 200 and generates virtual account number information to be transmitted to the on-casus server 200.

The financial institution server 700 receives payment completion information from the installment financial server 600 and transmits the payment completion information to the on-casse server 200 and receives the payment amount information and electronic payment number information from the on-casus server 200.

Then, the financial institution server 700 transfers the amount of the tax payment amount from the amount deposited in the virtual account number information to the electronic payment number, and transmits the transfer result information to the standard local taxation server 400.

The mobile phones 800 and 100 are stored in the on-casse server 200 and the authentication company server 500 and receive authentication numbers from the authentication company server 500 and transmit them to the authentication company server 500.

Also, the mobile phones 800 and 100 allow the charging financial institution terminal 610 to input the authentication number and receive and display the mortgage-set-up registration completion information from the on-casse server 200. [

The Internet network and wired and wireless communication network 900 are connected to the financial institution terminal 610, the on-casse server 200, the registration authority server 300, the standard local taxation server 400, the authentication server 500, ), The financial institution server 700, and the mobile phones 800 and 100 via a network.

As required, the operations between the servers of the respective institutions in the respective tasks in the above process can be changed in order or roles as needed. For example, the operation between a registration authority server and a standard local tax server can be modified in the MO, ARS, and certified witness formats. The order and role of the operations among the other servers can be shared with each other, and various modifications are possible in the course of the overall operation.

The operation of the registration system for setting up a trustee vehicle mortgage with this configuration will be described as follows.

FIG. 2 is a control flowchart of a method for registering a municipal rights registration for a trustee according to an embodiment of the present invention.

Referring to FIGS. 2A to 2F, a person in charge of an installment finance company first requests an installment financial institution terminal 610 to set up a mortgage for a mortgage holder and a debtor in a supplementary financial institution system 600 (S201)

At this time, when setting up the mortgage through the on-casse server 200, the installment financial institution terminal 610 logs in with the corporation authentication certificate and performs corporation authentication (S202).

Next, the installment financial institution terminal 610 inputs the vehicle registration number and the corporation registration number (or the resident registration number 7 digits) of the mortgage settler (S203).

Then, the on-casus server 200 receives the related information of the automobile to register the mortgage setting and transmits the related information to the registration authority server 300 (S204).

Then, the registrar server 300 inquires the vehicle registration part and transmits inquiry result information to the on-casse server 200 (S205).

When it is confirmed that the inquiry result is registered, the on-cars server 200 confirms the car name, vehicle type, usage, initial registration date, mortgage, and the number of seizures requested by the on-cars server 200 (S206).

If it is determined that the vehicle registration number matches the registration number of the mortgage-settler, it is confirmed that the vehicle is registerable (S207). On the other hand, if the result of the inquiry shows that the registration number of the mortgagee holder does not match the registration number of the mortgagee, the registration process is interrupted or re-requested and proceeded until the agreement is reached.

After confirming that the vehicle is the above-mentioned mortgage setting registerable vehicle, the person in charge of the installment financial institution inputs the mortgage-related information necessary for registering the mortgage setup (S208).

Then, the installment financial institution terminal 610 asks the consent of the mortgagee issuer and the debtor (S209).

When the digital signature method of the mortgage lender is selected (S210), the install financial manager selects the digital signature method of the mortgage lender as the public certificate method (S211).

When the on-casse server 200 selects the authorized certificate digital signature scheme through the installment financial transaction terminal 610, the on-casus server 200 transmits the electronic certificate to the electronic cash- The signing URL is transmitted to the mobile phone 1 800 of the mortgage holder by SMS (S213).

Next, the mortgagor installer accesses the URL of the on-casse server 200 through a possible method such as a mobile phone or a PC (S214), and the mortgagee installer inputs the automobile registration number information into the connected URL such as a portable telephone or a PC S215).

Then, the on-casus server 200 determines whether the received car registration number information matches the car registration number of the stored cargo setting registration request information (S216).

If the judgment result is YES, the on-casus server 200 requests authentication of the authorized certificate to the cell phone, PC or the like of the mortgage holder (S217).

Next, when a mobile phone, a PC or the like of the mortgage lender establishes the password information to the authentication company server (S218), the authentication company server confirms and authenticates the password and transmits the authentication result information to the on-casus server 200 (S219) .

Next, the on-casus server 200 completes and stores the digital signature and transmits the digital signature completion information to the financial institution server 600 (S220).

Then, the person in charge of the installment financial institution registers information necessary for electronic signature of the debtor (S221).

Next, the electronic signature scheme of the debtor is selected (S222).

When the person in charge of the installment financial institution selects the mobile phone MO method as the electronic signature scheme of the debtor, the following authentication process is performed (S223).

The person in charge of the installment financial institution requests authentication of the authentication server by using the authentication processing unit of the on-casse server 200, and the authentication company server 500 transmits the authentication number to the mobile phone of the debtor and confirms the identity of the person, If they match, the authentication number is generated and transmitted to the mobile phone of the debtor (S224).

Next, the on-chassis server 200 receives and receives the authentication number through the financial institution terminal 610, and determines whether the authentication number matches based on the authentication number (S225).

When the authentication numbers match, the on-casus server 200 confirming the identity of the user completes identity verification through the third authentication company and proceeds with the digital signature procedure (S226).

Next, the on-casus server 200 transmits the debtor verification request information including the authentication number requesting the digital signature to the authentication company server (S227).

In step S228, the authentication server transmits information related to the mortgage setup registration request including the authentication number and the authentication number to the mobile phone 2 (100) number of the debtor in the mobile phone MO method for electronic signature.

Next, the debtor confirms the contents of the mortgage setup registration request and the authentication number by using the mobile phone, and transmits the authentication number to the authentication company server (S229).

Then, the authentication company server transmits the received authentication number information to the on-casse server 200 (S230).

Next, the on-casse server 200 determines whether the authentication numbers match, and if they match, the digital signature is completed and the digital signature completion information is transmitted to the financial institution server 600 (S231). In case of an authentication inconsistency, it is repeated or interrupted until authentication is made.

Thereafter, when the digital signature is completed, the installment financial server server 600 transmits the prepaid or postal payment information to the on-casse server 200 (S232).

In case of pre-payment, the on-casus server 200 transmits the prepaid information to the financial institution server 700, requests and receives the virtual account number (S233).

Next, the on-casus server 200 transmits the virtual account number and amount information to be transferred to the mortgage settler (or the debtor) and the installment financial server 600 (S234).

The mortgage installer (or the debtor) and the installment financial institution server 600 transfer the corresponding amount to the virtual account number, and send the payment result information to the financial institution server 700 (S235) And transmits the result information to the on-casus server 200 (S236).

Then, the on-casus server 200 completes and stores the mortgage setup registration application and transmits the mortgage setup registration application completion information to the registration agency server (S237).

Next, the registration authority server determines whether or not to approve based on the mortgage setting registration application completion information (S238).

If approved, the registrar server stores the mortgage setup registration application information in the vehicle registration system and transmits the mortgage setup registration application information to the cleaning system server 400 (S239).

Then, the cleaning system server 400 calculates the amount of payment tax and generates an electronic payment number (S240).

Then, the cleaning system (standard local tax, etc.) server transmits the outside income information such as registration tax, local taxes, shoji zone and congestion zone to the on-cas server 200 (S241).

Then, the on-casus server 200 transmits the payment amount and electronic payment number information to the corresponding financial institution server 700 (S242).

Next, the financial institution server 700 transfers out-of-pocket income such as registration fee, local tax, shrinking zone, and congestion charge from the money deposited in the virtual account number to the electronic payment number and the account of the registered office, To the server 400 and the on-casus server 200 (S243).

Then, the on-cast server 200 transmits the payment completion information to the registration agency server, and the person in charge of the registration office confirms payment completion or confirms the payment completion information from the cleaning system server 400 (S244).

Then, the cleaning system server 400 transmits payment completion information to the vehicle registration authority server 300 (S245).

Then, the registration authority server 300 completes registration of the mortgage setting based on the received payment amount transfer information and transfers the mortgage setting registration information to the on-casus server 200 (S246).

Next, the on-casus server 200 transmits the mortgage setting registration completion information to the financial institution server 600 (S247).

The installment financial server server 600 transmits the mortgage setting registration completion information to the mortgage-settler and the debtor's mobile phone or the like (S248)

Therefore, in the above embodiment of the present invention, mortgage setting can be performed on-line even when the mortgage-settler and the debtor are different.

Meanwhile, when the corporation seal certificate is selected as the electronic authentication method in the step S310, the operation is as follows.

 FIG. 3A and FIG. 3B are control flowcharts of an electronic signature method using a corporate seal certificate and a driver's license issuance number through an authentication company server applied to the present invention.

First, the person in charge of the installment financial institution selects the digital signature scheme of the mortgage-lien issuer as the corporation seal certificate scheme (S311). Then, the mobile phone number to be used for digital signature of the corporate seal certificate is input (S312).

Then, the on-casus server 200 transmits the mortgage settler confirmation request information including the authentication number for requesting the digital signature to the authentication company server (S313).

Then, the authentication company server transmits the information related to the registration setting request and the authentication number to the mobile phone number of the mortgage holder in the mobile phone MO method for electronic signature (S314).

Next, the mortgage-settler confirms the details of the mortgage setup registration request and the authentication number with the mobile phone of the mortgage-settler, inputs the authentication number and the corporate seal registration certificate issuance number (12 digits) to the mobile phone, and transmits it to the authentication server server at step S315.

Then, the authentication company server transmits the received authentication number information to the on-casus server 200 (S316).

Then, the on-casse server 200 determines whether the authentication number is identical or not, and if it matches, the digital signature is completed and the digital signature completion information is transmitted to the installment financial server 600 (S317).

Next, the person in charge of the installment financial institution registers the information necessary for the electronic signature of the debtor (S318), and selects the electronic signature scheme of the debtor (S319).

The person in charge of the installment financial institution selects the electronic signature scheme of the debtor as the driver's license number system (S320), and inputs the driver's license number (S321).

The on-casse server 200 transmits the debtor confirmation request information including the authentication number requesting the digital signature to the authentication company server (S322).

In step S323, the authentication server transmits information related to the registration setup request including the authentication number and the authentication number to the mobile phone number of the debtor in the mobile phone MO method for electronic signature.

After the debtor confirms the contents of the registration request and the authentication number with the mobile phone of the debtor, the authentication number and the driver's license number (12 digits) are input to the authentication server by the mobile phone (S324) Number information to the on-casse server 200 (S325).

Then, the on-casse server 200 determines whether or not the authentication number matches, and if it matches, the digital signature is completed and the digital signature completion information is transmitted to the financial institution server 600 (S326).

Thereafter, the process according to the local tax prepayment is performed from the step S232 to the step S248.

On the other hand, if the local tax is processed in the post-payment system in the step S232, the following process is performed.

4A and 4B are control flow charts of the local tax retrofit method applied to the present invention.

4A and 4B, when the on-casus server 200 receives the post-payment information, the on-casus server 200 transmits the policy setting registration application completion information to the registration agency server (S433).

Then, the registrar server determines whether to approve based on the mortgage setting registration application completion information (S434).

If so, the registrar server stores the mortgage setup registration application information in the vehicle registration system and transmits the mortgage setup registration application information to the cleaning system server 400 (S435).

Then, the cleaning system server 400 calculates the amount of tax payment, generates an electronic payment number (S436), and transmits the tax revenue information such as the registration fee and the local tax, the fortune telling table and the credit card to the on-casus server 200 (S437).

Then, the on-casus server 200 transmits the payment tax amount and the electronic payment number information to the corresponding financial institution server 700, and then requests and generates a virtual account (S438).

Next, the on-casus server 200 transmits the virtual account number and amount information to be transferred to the mortgage settler (or debtor) and the installment financial server 600 (S439).

Then, the mortgage settler (or the debtor) and the installment financial company server 600 transfer the corresponding amount to the virtual account number, pay the money, and transmit the payment result information to the financial institution server 700 (S440).

Then, from the money deposited in the virtual account number of the financial institution server 700, the outside income including the local tax such as the registered license tax, the deficit zone and the credit card is transferred to the account of the registered office and the electronic payment number, 400 and the on-cas server 200 (S441).

Then, the on-casus server 200 transmits the payment completion information to the registration authority server 300, and the person in charge of the registration office confirms payment completion or confirms the payment completion information from the cleaning system server 400 (S442).

Then, the cleaning system server 400 transmits payment completion information to the vehicle registration system (S443).

Next, the automobile registration system completes registration of the mortgage setting based on the received payment amount transfer information, and transfers the mortgage setting registration information to the on-casus server 200 (S444).

Then, the on-casus server 200 transmits the mortgage setting registration completion information to the financial institution server 600 (S445).

The installment financial server server 600 transmits completion of the registration of the mortgage setup to the mortgage lender and the debtor (S446).

In this way, the local tax return procedure is carried out.

Meanwhile, in the above process, the electronic signature process may be performed by using the digital signature procedure (S211 to S232) using the public certificate MO and the digital signature procedure (S311 to S326) using the corporate seal certificate and the driver's license issuance number, .

In addition, according to the embodiment of the present invention, it is possible to process all the procedures on-line without the need for complicated documents, thereby making it convenient for the applicant.

In addition, in the embodiment of the present invention, the security of the registration of the mortgage policy setting can be strengthened through the authentication process in real time.

In addition, in the embodiment of the present invention, it is possible to set and register online, install local tax to a virtual account in an installment financial institution, and electronically pay the local tax amount, thereby making it possible to use a cash register, registration requestor, There is an effect of eliminating the possibility of illegal generation of a person who is applying for registration, a person who is a settler, a debtor, or another automobile owner.

Also, in the embodiment of the present invention, security authentication can be strengthened by constructing the authentication server 500 separately.

The embodiments of the present invention described above are not only implemented by the apparatus and method but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

100: mobile phone 2, 200: on-cas server,
201: information processing unit 201: authentication processing unit
203: financial processing unit 210: database
211: applicant information storage unit 212: setting registration storage unit
300: Registration authority server, 400: Cleaning system server
500: Certified company server, 600: Installed financial company server,
610: Installment finance company terminal 620: Installment finance company system
700: financial institution server 800: mobile phone 1

Claims (5)

When dividing financial company personnel apply for mortgagor and set debtor different car mortgage installment financial company system 620 in installments financial institution terminal 610, and proceeds to mortgage set through (S201), on CAS server 200, installment In step S202, the financial institution terminal 610 logs in with the corporation authentication certificate and performs corporation authentication.
When the on-car server 200 receives the vehicle registration number and the corporate registration number (or the resident registration number 7 digits) of the mortgage-settler in the installment financial terminal 610 (S203) (S204), which is transmitted to the registration authority server (300) to request a copy inquiry;
A step S205 of the registration authority server 300 inquiring the vehicle registration part and transmitting inquiry result information to the on-casus server 200;
If it is confirmed that the inquiry result is registered, step S206 of confirming the name, the type of the vehicle, the usage, the initial registration date, the mortgage and the number of foreclosures of the automobile requested by the on-casus server 200;
If it is determined that the vehicle registration number matches the registration number of the mortgage settler (S207), step S208 is performed to input the mortgage-related information necessary for registration of the mortgage establishment ,
The installment financial institution terminal 610 requests the consent of the obligor and the debtor (S209). If the mortgagee installer selects the digital signature scheme (S210), the installer financial manager selects the digital signature scheme of the mortgagee issuer as the accredited certificate scheme (S212). When the on-casse server 200 receives the electronic signature of the authorized certificate through the installment financial terminal 610, A step (S213) of transmitting a URL for electronic signature to the mobile phone 1 800 of the mortgage holder by SMS;
The mortgage setter accesses the URL of the on-casse server 200 with the cellular phone 1 800 or the PC (S214), inputs the vehicle registration number information (S215) (S216) whether the number information matches the stored car registration number of the stored mortgage registration request information.
(Step S217), when the on-casus server 200 requests authentication of the authorized certificate to the mobile phone 1 800, PC, etc. of the mortgage-lender,
When the mobile phone 1 800 or the PC of the mortgage provider transmits the official certificate password information to the authentication company server 500 in step S218, the authentication company server 500 confirms and authenticates the password and transmits the authentication result information to the on- (S219);
(S220) the on-casus server 200 completes and stores the digital signature and transmits the digital signature completion information to the financial institution server 600;
The installment financial institution manager registers information necessary for the electronic signature of the debtor (S221), selects the electronic signature scheme of the debtor (S222), selects the mobile phone MO scheme as the electronic signature scheme of the debtor, (S223) requesting the authentication company server 500 to authenticate itself;
The authentication company server 500 transmits the authentication number to the debtor's mobile phone 2 (100), confirms the identity of the user, compares the transmitted identification information with the transmitted identification information, generates an authentication number if they match, and transmits the authentication number to the debtor's mobile phone 2 Transmitting (S224);
(S225) the on-casus server 200 receives and receives an authentication number through the financial institution terminal 610 and determines whether the authentication number matches based on the authentication number;
If the authentication numbers match, the on-casus server 200 confirming the identity of the user completes identity verification through the third authentication company and proceeds with the digital signature procedure (S226);
(S227) the debtor identification request information including the authentication number requesting the digital signature from the on-line server 200 to the authentication company server 500;
(S228) the authentication company server 500 transmits the mortgage setup registration request related information including the authentication number for electronic signature and the authentication number to the debtor mobile phone 2 (100) number by the mobile phone MO method;
After confirming the details of the mortgage setup registration request and the authentication number with the debtor mobile phone 2 (100), the authentication number is input to the authentication server server 500 (S229).
The authentication server server 500 transmits the received authentication number information to the on-casus server 200 (S230);
The step S231 of determining whether the on-casus server 200 matches the authentication number, completing the digital signature when the authentication number matches, and transmitting the digital signature completion result information to the financial institution server 600 of the installment financial institution;
When the digital signature is completed, the installment financial server server 600 transmits the prepaid or postal payment information to the on-casus server 200 (S232);
When the on-casus server 200 transmits prepaid information to the financial institution server 700 and requests and receives a virtual account number (S233);
The on-casus server 200 transmits the virtual account number and the money amount information to the mortgage provider (or the debtor) and the installment financial server 600 (S234).
The mortgage installer (or the debtor) and the installment financial institution server 600 transfer the corresponding amount to the virtual account number, and send the payment result information to the financial institution server 700 (S235) Transmitting the result information to the on-casus server 200 (S236);
(S237) the on-casse server 200 completes and stores the application for registration of the mortgage setup and transmits the mortgage setup registration application completion information to the registration authority server 300;
The registrant server 300 determines whether or not to approve based on the mortgage setting registration application completion information (S238), stores the mortgage setting registration application information in the car setting registration system when approved, and transmits the mortgage setting registration application information to the cleaning system To the server 400 (S239).
The cleaning system server 400 calculates the amount of tax payment, generates an electronic payment number (S240), and transmits (S241) the tax revenue information including the registration fee, the local tax, the deficit zone, and the charge zone to the on-casus server 200;
The on-casus server 200 transmits the payment tax amount and electronic payment number information to the financial institution server 700 (S242);
The financial institution server 700 transfers out-of-state revenue such as registration tax, local tax, shrinking zone, and concession account from the amount deposited in the virtual account number to the electronic payment number and the account of the registered office, and transfers the transfer information to the cleansing system server 400 to the on-casus server 200 (S243), the on-casus server 200 transmits the payment completion information to the registration authority server 300 to confirm the payment completion by the registered office representative or the cleaning system server 400 (S244) of confirming payment completion information from the payment completion information;
When the cleaning system server 400 sends the payment completion information to the registration authority server 300 (S245), the registration authority server 300 completes the registration of the mortgage setting based on the received payment amount transfer information, To the on-casus server 200 (S246);
The on-casus server 200 transmits the mortgage setting registration completion information to the financial institution server 600 (S247);
Further comprising a step (S248) of the installment financial server server (600) transmitting the mortgage setting registration completion information to the mobile phone (1) 800 of the mortgage lender and the debtor's mobile phone (2) (100). delete The method according to claim 1,
If the corporation seal certificate is selected as the electronic signature method in step S310, the installment financial manager selects the digital signature scheme of the mortgagee issuer as the corporation seal certificate scheme (S311), and the mobile phone number (S312);
The on-casus server 200 transmits the mortgage settler confirmation request information including the authentication number for requesting the digital signature to the authentication company server 500 (S313).
A step S314 of the authentication vendor server 500 transmitting the mortgage setup registration request related information and the authentication number for the electronic signature to the mobile phone number of the mortgagor holder using the mobile phone MO method;
After the mortgage settler confirms the contents of the mortgage setup registration request and the authentication number with the mobile phone of the mortgage-settler, the authentication number and the corporate seal registration certificate issuance number (12 digits) are input to the mobile phone and transmitted to the authentication company server 500 (S315) The authentication server server 500 transmits the received authentication number information to the on-casus server 200 (S316);
If the on-casus server 200 determines that the authentication numbers match, and if they match, completing the digital signature and transmitting the digital signature completion information to the financial institution server 600 (S317);
(S319), the installer financial institution manager selects the electronic signature scheme of the debtor (S319), selects the electronic signature scheme of the debtor as the driver's license issuance number scheme (S320) (S321), the on-casus server 200 transmits the debtor verification request information including the authentication number requesting the digital signature to the authentication company server 500 Step S322;
(S323) the authentication company server 500 transmits the mortgage setup registration request information including the authentication number for electronic signature and the authentication number to the mobile phone number of the debtor in the mobile phone MO system;
After the debtor confirms the contents of the mortgage setup registration request and the authentication number with the mobile phone 2 (100) of the debtor, the authentication number and the driver's license number (12 digits) are inputted to the mobile phone and transmitted to the authentication company server 500 (S324) The authentication server server 500 transmits the received authentication number information to the on-casse server 200 (S325);
Further comprising a step (S326) of judging whether or not the on-casus server 200 matches the authentication number and completing the digital signature and transmitting the digital signature completion result information to the financial institution server (600) How to register. The method of claim 3,
If the on-casus server 200 receives the post-payment information by processing the local taxes in the post-payment system in the step S232, the on-casus server 200 transmits the mortgage setting registration application completion information to the registration agency server 300 Step S433;
The registration authority server 300 determines whether to approve based on the mortgage setting registration application completion information (S434). If approved, the registration authority server 300 stores the mortgage setting registration application information in the automobile registration system, Transmitting the application information to the cleaning system server 400 (S435);
The cleaning system server 400 calculates the amount of the tax payment and generates the electronic payment number (S436), and transmits the tax revenue information including the local tax, the stronghold and the credit card to the on-casus server 200 (S437);
A step S438 of requesting and receiving a virtual account creation after the on-casus server 200 transmits the payment amount and electronic payment number information to the corresponding financial institution server 700;
The on-casus server 200 transmits the virtual account number and amount information to be transferred to the mortgage settler (or debtor) and the installment financial server server 600 (S439);
(S440) the mortgagee installer (or the debtor) and the installment financial server 600 transfer the corresponding amount to the virtual account number and pay the payment, and transfer the deposit result information to the financial institution server 700;
The financial institution server 700 transfers to the account of the registered office an electronic payment number and an external payment including a local tax, a rich zone, and a credit card, such as a registration fee, from the money deposited in the virtual account number, To the on-cas server 200 (S441);
The on-cas server sends the payment completion information to the registration authority server 300 to confirm payment completion by the person in charge of the registration office or confirm payment completion information from the cleaning system server 400 (S442);
The cleaning system server 400 transmits the payment completion information to the vehicle registration system (S443);
The car registration system completes registration of the mortgage setting based on the received payment amount transfer information and transmits the mortgage setting registration information to the on-cas server 200 (S444);
The on-casus server 200 transmits the mortgage setting registration completion information to the financial institution server 600 (S445);
Further comprising the step S446 of the installment financial server server (600) transmitting the completion of registration of the mortgage setup to the mortgagee installer and the debtor (S446). A database 210 for storing the submission vehicle registration application information and the setting registration information;
Receives the depository vehicle mocking-station setting registration application information from the installment financial institution terminal 610 with reference to the database 210, requests and receives a registration document inquiry from the automobile registration institution server, receives from the installment financial institution terminal a different mortgager, The mobile phone number, the name, and the car number information of the mortgage establishment setting requester, transmits the information to the authentication company server, performs the authentication procedure using the digital signature, and transmits the digital signature completion information to the installment financial server server 600 The on-casus server 200 receives and prepares the prepayment information or the prepaid information from the installment financial server 600 and receives and stores the mortgage setup registration completion information from the registration authority server 300 that completes the application for registration of the mortgage policy setting and,
Wherein the on-casus server (200) performs the method of any one of claims 1, 3, and 4.

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