KR101871191B1 - Vehicle Mortgage Registration Canceled data management System and Method thereof - Google Patents
Vehicle Mortgage Registration Canceled data management System and Method thereof Download PDFInfo
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Abstract
The present invention relates to a system and method for managing an automobile mortgage cancellation data. Automobile foreclosure erasure data management system, automobile
A database unit for storing information of an installment financer, registration information of mortgage canceling application, and registration information of mortgage canceling; A message to guide the registration of the vehicle mortgage policy to the mobile phone of the civilian whose mortgage right has not been canceled even though the installment financing has been fully paid out with reference to the database unit is received and the information of the application for the registration of the mortgage cancellation application is received from the complainant, And an on-cas server for proceeding with the registration process of the mortgage. In this embodiment of the present invention, the problem of causing the automobile owner to abandon the property right of the owner of the vehicle without the cancellation of the mortgage has been solved, and the complaints of financial institutions such as the installment financial institution, By processing the business online, the vehicle owner can quickly sell or dispose of the vehicle.
Description
The present invention relates to a system and method for managing a mortgage data erasure in an automobile. More particularly, the present invention relates to a system and method for managing a mortgage data erasure in an automobile by collecting information that does not erase an automobile mortgage even if all funds financed from an installment financial institution or a financial institution are reimbursed, The present invention relates to a system and method for managing an erase-and-delete data of an automobile 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.
In the case of mortgage lending, financial institutions such as installment finance companies set a mortgage on the collateral (automobile).
And, for vehicles that are registered for setting up a mortgage on the car, if the loan has been paid in full, the erasure registration procedure is necessary.
Therefore, it is necessary to systematically manage the registration and tax payment of vehicles due to installment financing. In addition, it is necessary to systematically manage the registration and tax payment of vehicles.
However, conventionally, such a vehicle is not systematically registered for erasure.
On the other hand, the borrower must directly request the installment finance company to cancel the mortgage after the loan is fully paid out.
In the case of financial institutions such as installment finance companies, however, they were not able to accurately manage mortgage cancellation after the borrower's loan was paid in full.
In the past, in the absence of an active mortgage erroneous guidance from an installment financial institution, the lender can not erase the mortgage rights set for the vehicle owned by the lender even after payment is completed.
Thus, even after the loan is fully paid out, the mortgage is still set in the vehicle that the owner owns, and many lenders are not aware of it.
The borrower recognizes that a mortgage is set in his / her own vehicle only when he sells or disposes his own car.
In particular, when a vehicle is sold or scrapped, the owner of the vehicle is not able to afford the time to use the offline agent, or he or she is carrying out the mortgage cancellation.
When an offline agent is used, a high agency fee will be incurred by the user, and it takes a lot of time to perform the mortgage erase work directly, and costs are incurred in many cases when visiting the registration office.
SUMMARY OF THE INVENTION Accordingly, the present invention has been made in view of the above problems, and it is an object of the present invention to provide a system and a method for collecting creditor information that does not cancel an automobile mortgage, And to provide a system and method for managing car mortgage data.
It is another object of the present invention to provide a method and apparatus for checking whether a mortgage right of a vehicle is erased in real time, accurately selecting a person to be sent a guidance letter and sending out a guidance letter, And to provide a system and method for managing an erroneous vehicle mortgage data that enables a mortgage erase work to be carried out immediately.
It is another object of the present invention to solve the problems of the related art, and it is an object of the present invention to solve the problem that caused the hindrance of the property right of the owner of the vehicle without erasing the mortgage right of the car, The present invention provides a system and method for managing a vehicle mortgage erasure data that can speed up the vehicle sales or the disassembly of the vehicle owner by processing the mortgage erasure work on-line as well as reducing the complaints of financial institutions such as installment finance companies.
It is another object of the present invention to provide an automobile mortgage erasure data management system and method capable of processing all the procedures on-line without requiring complicated documents, .
Another object of the present invention is to provide a system and method for managing an erroneous vehicle mortgage data which can enhance the security of the registration of the mortgage right so that the authentication process is performed in real time.
Further, the technical problem to be solved by the present invention is to provide a registration authority, a registration requestor, a registration authority , And an automobile mortgage erasure data management system and method which have the effect of eliminating the possibility of illegal occurrence of a person who submits a registration to another automobile owner and an agent.
It is another object of the present invention to provide a system and method for managing an automatic mortgage erasure data that can enhance security authentication by separately configuring a server of a certification company.
It is another object of the present invention to provide an automobile mortgage-revoke data management system and method for allowing an automobile mortgage-registration erasure applicant to confirm the current situation in real time.
According to an aspect of the present invention, there is provided an automobile mortgage-
A database unit for storing information of an installment financer, registration information of mortgage canceling application, and registration information of mortgage canceling;
A message to guide the registration of the vehicle mortgage policy to the mobile phone of the civilian whose mortgage right is not canceled even though the installment financing has been fully paid out with reference to the database unit is received and the information of the application for the registration of the mortgage cancellation application is received from the complainant, And a server for proceeding with a mortgage erasure registration procedure.
The server comprises:
A message is transmitted to the mobile phone of a civilian whose mortgage right has not been erased even though the installment financing has been fully paid with reference to the database, and the mobile terminal receives the information for registering the mortgage cancellation application from the complainant terminal or the installment financial institution system, An information processing unit for receiving the number information, requesting the automobile system to inquire the registered party, receiving the registered party inquiry result information, proceeding with the registration process of the mortgage right and completing the processing;
An authentication processing unit for directly processing the authentication of a complainant or an installment financial institution or performing authentication through an external authentication company system;
And a financial processing unit for calculating an amount including taxes and fees necessary for the mortgage right erasing procedure in conjunction with a cleaning system, generating a virtual account to request payment from an installment financial institution or a complainant, and performing a payment completion process after the deposit is completed .
The server further includes a status providing unit for providing the status of the registration process of the vehicle mortgage-rights erasure to the complainant or installment financial institution in real time in each step.
The status providing unit further provides a remaining time from the current status to the completion by using the statistics of the time required for each step of the current status of the registration process of the vehicle mortgage policy.
The server further includes a status providing unit for providing the status of the registration process of the vehicle mortgage-rights erasure to the complainant or installment financial institution in real time in each step.
The status providing unit further provides a remaining time from the current status to the completion by using the statistics of the time required for each step of the current status of the registration process of the vehicle mortgage policy.
According to another aspect of the present invention, there is provided a method of managing an automobile mortgage-
The installment
The
The
If the
The method comprises:
When the complainant of the installment financial institution requests payment of the installment financing (S120), and the loan of the installment financial institution is fully paid up (S121), the installment
The
The
The method comprises:
The
(S131) of whether or not the
A step (S132) of accepting the mortgage cancellation on a vehicle whose
The
When the complainant deposits the amount of the mortgage erasure into the
The method comprises:
The
Storing the completion information in the
The on-
(S145) updating and storing the mortgage erasure completion information of the registration
According to another aspect of the present invention, there is provided a method of canceling an automobile mortgage,
Receiving a car registration number of a request for registration of a mortgage cancellation request from a server according to an application of a complainant terminal and inquiring a car registration counter;
Determining whether the information of the complainant and the owner of the vehicle are identical through the identification of the applicant of the complainant;
If they match, the server exposes the result of the article query;
Requesting the server to register the mortgage with the corresponding financial institution system as a mortgage;
If the installment financial institution system confirms the details of the applicant's mortgage erroneous registration request, and if the mortgage is present and paid in full, proceeding with the mortgage erroneous business;
A step of generating a virtual account in the case of prepayment according to payment division after confirming whether or not the server is an installment financial institution employee when the installment financial institution system applies for acceptance;
Transmitting the bank name, account number and account holder information of the created virtual account to the complainant including the total amount including the tax and use fee after the server creates the virtual account;
A step in which the server completes the receipt of the mortgage erroneous request requested by the complainant and processes the receipt of the mortgage erroneous confirmation on the inquiry screen of the person in charge of the automobile civil affairs of the registered office when the total amount of money is processed by the complainant;
If there is no abnormality in the receipt information of the mortgage, the server requests the cleaning system to calculate the standard local tax according to the request of the automobile civil affairs person in charge
If there is a problem with the receipt information of the mortgage, it includes the step of rejecting the receipt of the mortgage cancellation request at the request of the person in charge of the automobile civil affairs of the registration office.
The method comprises:
An electronic payment number by which the
The server receives information on the electronic payment number, the details to be paid and the payment amount from the cleaning system, receives the bank name, the account number and the payment amount information of the local government to pay the tax revenue including the booth zone and the charge zone Storing in a database unit;
The server shall send to the banking system the electronic payment number to pay the local tax such as the registration fee, the details of the payment to be made and the amount of payment, the bank name, account number and payment amount information of the local government Transmitting;
And paying the local tax and extra-territorial income with the payment information received by the banking system.
The method comprises:
When the payment is completed, the bank system transmits payment completion information to the server;
Transmitting the payment end information of the local tax and the non-local income to the inquiry screen of the person in charge of the automobile, and changing the business progress status to the payment completion status;
Completing registration of mortgage erasure completion by the
The abovementioned financial institution system or the on-casus server notifies the complainant of the termination of the mortgage canceling work received by telephone or short SMS (SMS).
According to an aspect of the present invention,
Receiving an automobile registration number and inquiring the automobile registration manpower based on the corporation confirmation information or the corporation confirmation information obtained by the server at the request of the installment financial institution system;
The server confirms the result of the circular inquiry and receives the receipt information necessary for the mortgage erasure;
Receiving the consent of the mortgagee installer;
When the consent of the mortgage-lender issuer is completed,
If the payment is pre-paid according to the payment category, the server creates a virtual account;
Transmitting the bank name, account number and account holder information of the created virtual account to the complainant including the total amount including the tax and use fee after the server creates the virtual account;
When the installment financing company or the complainant completes the payment of the total amount, the server completes the receipt of the mortgage cancelation request requested by the installment financial institution or the complainant and processes the receipt of the mortgage cancel receipt on the inquiry screen of the person in charge of the civil affairs of the registration office ;
Requesting a standard local tax calculation to the cleaning system by the server at the request of the automobile civil affairs official in case there is no abnormality in the mortgage erroneous reception information;
If there is a problem with the receipt information of the mortgage, it includes the step of rejecting the receipt of the mortgage cancellation request at the request of the person in charge of the automobile civil affairs of the registration office.
The method comprises:
An electronic payment number by which the
The server receives information on the electronic payment number, the details to be paid and the payment amount from the cleaning system, receives the bank name, the account number and the payment amount information of the local government to pay the tax revenue including the booth zone and the charge zone Storing in a database unit;
The server shall send to the banking system the electronic payment number to pay the local tax such as the registration fee, the details of the payment to be made and the amount of payment, the bank name, account number and payment amount information of the local government Transmitting;
And paying the local tax and extra-territorial income with the payment information received by the banking system.
The method comprises:
When the payment is completed, the bank system transmits payment completion information to the server;
Transmitting the payment end information of the local tax and the non-local income to the inquiry screen of the person in charge of the automobile, and changing the business progress status to the payment completion status;
Completing registration of mortgage erasure completion by the
The abovementioned financial institution system or the on-casus server notifies the complainant of the termination of the mortgage canceling work received by telephone or short SMS (SMS).
In the embodiment of the present invention as described above, when collecting creditor information that does not erase the car mortgage right even when the amount of money that has been paid from the installment financial institution is refunded at the time of purchase of the car, and the car owner informs the user about the mortgage cancellation periodically, And methods.
Further, in the embodiment of the present invention, it is possible to check whether or not a vehicle has been expired in real time, to accurately select a person to be sent a guidance letter, to send out a guidance letter, and to make a full- An erasure data management system and method can be provided.
In addition, in the embodiment of the present invention, it is possible to solve the problem that caused the hindrance of the property right of the owner of the car because the car mortgage is not canceled, and the civil complaints of financial institutions such as installment finance companies, It is possible to provide an automobile foreclosures erasure data management system and method that can promptly carry out vehicle sales or disused vehicles of a vehicle owner by processing the erasure work on-line.
In addition, in the embodiment of the present invention, it is possible to smoothly respond to notices of the state institutions such as the Financial Supervisory Service, facilitate the exercise of the property rights of the whole people, increase the satisfaction of financial consumers, And can provide an automobile mortgage erasure data management system and method that can identify a continuous mortgage cancellation physician to a financial consumer.
In addition, in the embodiment of the present invention, from the viewpoint of the installment financial institution, it is easy to manage installment financing consumer, and convenience of customer response is increased through continuous mortgage setting and deletion data management, Provides a system and method for managing mortgage-canceled data that can increase customer satisfaction through reduction of customer complaints, enable accurate responses to the notices of national institutions such as Financial Supervisory Service and dramatically expedite mortgage-erroneous consumers .
Further, in the embodiment of the present invention, it is possible for the borrower to easily exercise the property right, to provide a service that is free of paperwork, to be free of charge, to provide indifferent services and to provide a convenient mortgage cancellation, The present invention can provide an automobile mortgage erasure data management system and a method capable of improving the quality of life.
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 possible to provide convenience for the applicant.
Further, in the embodiment of the present invention, since the authentication process is performed when necessary in real time, the security of the registration of the mortgage right can be enhanced.
Also, in the embodiment of the present invention, the mortgage is registered online and the installment financial institution or the mortgagor (the civil petitioner, etc.) registers the local tax as a virtual account, and the payment can be made electronically. There is an effect that the applicant, the registration owner, and other automobile owners can be prevented from incurring the illegal occurrence of the applicant and the agent who apply for registration.
Further, in the embodiment of the present invention, security authentication can be strengthened by separately configuring a certification vendor server.
Further, in the embodiment of the present invention, the applicant for registering the mortgage right can confirm the current situation in real time.
BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of an automobile mortgage rights erasure data management system according to an embodiment of the present invention; FIG.
FIG. 2 to FIG. 8 are control flow charts of a method of managing an automobile mortgage right erasure data according to an embodiment of the present invention.
9 to 24 are control flowcharts for a method of registering an automatic mortgage rights erasure 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.
In the following explanation, the complainant is the same person as a mortgage applicant or a mortgage lender or a mortgager.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a system and method for managing an automobile mortgage deletion erasure data according to an embodiment of the present invention will be described with reference to FIGS. 1 to 24. FIG.
BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of an automobile mortgage rights erasure data management system according to an embodiment of the present invention; FIG.
1, an automobile mortgage-rights erasure data management system according to an embodiment of the present invention includes:
A
Referring to the
The on-
The
The
The
The
For example, one hour is expected to be completed at the beginning of the application, and at the tax payment stage, guidance such as anticipation of completion for 30 minutes and the current stage can be given.
The
The above components may be operated separately by different government offices, companies, and civil applicants, and some systems may be operated by a government office or an enterprise in one or a plurality of divisions, if necessary.
The operation of an automobile mortgage deletion data management system having such a configuration will be described below.
In the following process, the person in charge of the complainant and the installment financial institution may access the on-
The
FIG. 2 is a diagram illustrating a method for refinement of loan money collection vehicle data in an automobile mortgage rights deletion data management method according to an embodiment of the present invention.
2, when the installment
However, some of the data transmitted by the actual installment
The
Then, the
Next, the
If the on-
3 is a diagram illustrating a method of securing loan payout vehicle data in an automobile mortgage rights erasure data management method according to an embodiment of the present invention.
Referring to FIG. 3, a complainant of an installment financial institution requests payment of installment financing (S120).
Then, the complainant pays the loan of the installment financial institution (S121).
In step S122, the installment
Then, the
Then, the
Then, the on-
FIG. 4 is a diagram illustrating a method of sending a mortgage erroneous receipt character in a method of managing an automobile mortgage policy erasure data according to an embodiment of the present invention.
Referring to FIG. 4, the
Then, the
Then, the
Then, the
For example, the car navigation system guide letter as shown in FIG. 5 is sent.
Then, the
Then, the
Hereinafter, the process of becoming a mortgage canceler will be described as follows.
FIG. 5 is a diagram illustrating a mortgage deletion method in a method of managing an automobile mortgage deletion data according to an embodiment of the present invention.
Referring to FIG. 5, the
At this time, the process of accepting the mortgage erasure uses the erasure method described in Korean Patent No. 1,661,550 registered by the applicant of the present invention, and a detailed description thereof will be omitted.
Next, the
Then, the on-
The installment
Meanwhile, in the method for managing the deleted data of the mortgage right of an automobile according to the embodiment of the present invention, the method of sending a mortgage erroneous letter can be modified by another method, and a modified example will be described as follows.
FIG. 7 is a diagram illustrating a method of sending a mortgage erroneous receipt character in a method of managing an automobile mortgage policy erasure data according to another embodiment of the present invention.
Referring to FIG. 7, the
Then, the
Then, the
For example, a message such as that shown in FIG. 8 may be displayed to indicate a URL or a representative number.
Then, the complainant confirms the mortgage erroneous guide letter with the
Then, the
In this case, the
Thereafter, the deleting process of the registration office (S135) is performed, and subsequent processes (S140 to S145) are also performed.
This process can be modified in various ways.
For reference, the registration erase process will be described in detail as follows.
FIGS. 9 to 16 are control flow charts for a method of registering an automatic mortgage right erasure according to the first embodiment of the present invention.
Referring to FIG. 9, the mortgage-settler connects to the on-
Then, the on-
After the complainant inputs the vehicle registration number, the on-
After that, the car registration server inquires the car registration part stored in the registration server and transmits inquiry result information to the on-cas server (S303).
When it is confirmed that the inquiry result is registered, the on-
In step S305, the applicant selects and inputs a name, a telephone number, and an electronic signature method of the mortgagee issuer in the
Next, the
Thereafter, an electronic signature procedure (S307) is performed. There are three types of SMS and MO method, SMS and ARS method, and public certificate method according to selection.
Referring to FIG. 10, in the case of an electronic signature of SMS and MO method, a complainant requests authentication to the authentication company using the
Here, the identity verification method can be carried out by an individual and a corporation authentication certificate, a personal identification through a mobile phone, an Ipin, a credit card number and effective date, information on a resident registration card, and information on a driver's license. Similarly, one of several methods can be used for the following identification method.
Next, the on-
When the authentication numbers match, the on-
Next, the on-
In step S404, the authentication server server transmits the information related to the registration request for the mortgage right including the authentication number 2 and the authentication number 2 to the mobile phone number of the mortgage holder in the mobile phone MO method for digital signature.
Then, the mortgagor configurer confirms the contents of the mortgage-canceling registration request and the authentication number 2 by using the mobile phone, and transmits the authentication number 2 to the authentication server by the mobile phone (S405).
The authentication company server transmits the received authentication number 2 information to the on-casse server 200 (S406).
The on-
In the case of the digital signatures of the SMS and the MO type, the complainant requests authentication of the
Referring to FIG. 11, in the case of an electronic signature of SMS and ARS, a complainant requests authentication of the
Next, the on-
When the authentication numbers match, the on-
Next, the on-
In step S504, the authentication company server transmits the information related to the registration request for the mortgage right including the authentication number 2 and the authentication number 2 to the mobile phone number of the mortgage holder using the mobile phone ARS for electronic signature.
Then, the mortgagor configurer confirms the details of the registration request and the authentication number 2 to the ARS through the mobile phone, and transmits the authentication number 2 to the authentication server by the mobile phone (S505).
The authentication company server transmits the received authentication number 2 information to the on-casse server 200 (S506).
The on-
12, when the on-
The mortgagor establisher accesses the URL of the on-
Next, the mortgagor installer inputs the vehicle registration number into a URL such as a cellular phone or a PC (S602).
Then, the on-
If there is a match, the on-
A mobile phone, a PC or the like transmits the password information to the authentication company server in step S605.
Next, the authentication company server confirms and authenticates the password, and transmits the authentication result information to the on-casse server 200 (S606).
Next, after the on-
Referring to FIG. 13, when the electronic signature is completed as one of the three processes, the on-
Then, the civil lender who is the lender of the mortgage lender checks the result of the article inquiry including the details of the lender of the owner's own vehicle at the
On the other hand, if the complainant requests the on-
Then, the person in charge of the installment
After confirming the registration information of the mortgage erasure, the installment financial institution (200) system checks whether the applicant has a mortgage or not and whether the amount of the bond is fully paid (S705).
The installment financial institution manager checks whether the applicant has a mortgage or not and whether the mortgage can be completely canceled through the on-casse server 200 (S706).
In the case of performing the mortgage canceling operation, if the installment financial institution manager has additional information necessary for mortgage erasure registration in the installment financial institution terminal, the information is inputted (S707).
here. The additional information may be a business registration number, a name of a payer, or a telephone number for log-in of a corporation-certified certificate.
Thereafter, the installment
When the corporation authentication is completed, the installment financial company server transmits the prepaid or postal payment information to the on-casse server 200 (S709). Here, there are pre-payment and post-payment divisions, and the order of work may be different according to payment division. Prepayment means the case where the mortgage erroneous work is carried out after the payment of the total amount including the registration fee, the local tax such as registration tax, the local tax, On the other hand, post-payment is a case where the entire amount is paid after the mortgage erasure work is carried out.
In the case of pre-payment, the
Next, the on-
Then, the mortgagor installer or the installment financial company server transfers the corresponding amount to the virtual account number, and transmits the payment result information to the financial institution server of the bank system 700 (S712). For example, a complainant may include a bank account name of a previously created virtual account, including the total amount of outside income and use fees such as local taxes, The account number, and the account holder information, and performs a deposit process in a method specified by the
Referring to FIG. 14, the financial institution server transmits payment result information to the on-casse server 200 (S800).
Then, the on-
Then, the registrar server determines whether to approve based on the mortgage erasure registration application completion information (S802). Specifically, the receipt number provided by the on-
If it is approved, the registration agency server stores the mortgage erasure registration application information in the
Thereafter, the server of the cleaning system 230 (standard local taxes, etc.) calculates the payment tax amount and generates an electronic payment number (S804).
Next, the server of the cleaning system 230 (the standard local tax, etc.) transmits the outside income information such as the local tax, the land registry, and the credit card to the on-casse server 200 (S805).
The on-
Then, from the money deposited in the virtual account number of the corresponding financial institution server of the
The on-
Thereafter, the server of the
Then, the
Then, the on-
Thereafter, the installment financial institution server transmits the completion of mortgage erroneous registration to the mortgage lender (S812)
On the other hand, the case of post-payment is as follows.
Referring to FIG. 15, when the digital signature is completed, the on-
Then, the civil lender who is the lender of the mortgage lender checks the result of the inquiry including the details of the lender of the vehicle owned by the user at the
On the other hand, if the complainant requests the on-
Then, the person in charge of the installment
After confirming the registration information of the mortgage erasure, the installment financial institution (200) system checks whether the applicant has a mortgage or not and whether the amount of the mortgage is fully paid (S905).
The installment financial institution manager checks whether the applicant has a mortgage or not and whether the proceeds of the mortgage can be canceled through the on-casse server 200 (S906).
In the case of performing the mortgage erasure work, if the person in charge of the installment financial institution has additional information necessary for the mortgage erasure registration in the installment financial institution terminal, the information is inputted (S907).
here. The additional information may be a business registration number, a name of a payer, or a telephone number for log-in of a corporation-certified certificate.
Thereafter, the installment
When the corporation authentication is completed, the installment financial company server transmits the prepaid or postal payment information to the on-casse server 200 (S909).
When the on-
Next, the registrar server of the
If so, the registration authority server stores the mortgage erasure registration application information in the
Then, referring to FIG. 16, the server of the cleaning system 230 (standard local tax, etc.) calculates the payment tax amount and generates an electronic payment number (S1000).
Next, the server of the cleaning system 230 (standard local tax, etc.) transmits out-of-state income information such as local taxes, a land registry, and a credit card to the on-casus server 200 (S1001).
After the on-
The on-
Then, the mortgagor installer or installment financial company server transfers the corresponding amount to the virtual account number, and transmits the payment result information to the financial institution server (S1004).
Then, from the money deposited in the virtual account number by the corresponding financial institution server, the outside income such as the local tax, the rich zone and the credit card is transferred to the account of the registered office and the electronic payment number, And the on-casus server 200 (S1005).
The on-cas server sends the payment completion information to the registered office server, and the registered office automobile civil affairs official confirms the payment completion information from the server of the confirmation or cleaning system 230 (S1006).
Thereafter, the server of the
Then, the
Then, the on-
Thereafter, the installment financial institution server transmits the completion of mortgage erroneous registration to the mortgage lender (S1010).
This process completes the registration process of the car foreclosures.
If necessary, the
The
For example, one hour is expected to be completed at the beginning of the application, and a guideline such as expecting 30 minutes to complete at the tax payment stage and the present stage of the complainant.
The first embodiment of the present invention can be modified in various ways, and an example in which procedures are started in an installment financial institution other than a civilian will be described as follows.
17 to 24 are control flowcharts for a method of registering an automatic mortgage right erasure according to a second embodiment of the present invention.
Referring to FIG. 17, an installment financial manager first accesses a screen of the on-
Next, an installment financial institution manager confirms whether a mortgage is present or not in the installment
When the mortgage erasure is performed through the on-
Next, the person in charge of the installment financial institution inputs the car number to which the mortgage erasure is to be carried out using the terminal of the installment financial institution system 600 (S1103).
After inputting the vehicle registration number, the on-
The car registration server inquires the car registration part stored in the registration server and transmits inquiry result information to the on-cas server 200 (S1105).
If it is confirmed that the inquiry result is registered, it is judged that the result of the inquiry of the original inquiry requested by the on-
Next, the installment financial manager confirms the result of the inquiry inquired through the installment financial institution terminal, and then inputs the additional details necessary for the mortgage erasure registration. The name, phone number, and digital signature method of the mortgagor And selects and inputs them (S1107). However, whether or not the digital signature is proceeded may be determined by an installment financial institution or an installment financial institution employee, and may not proceed if it is unnecessary.
Next, the
Thereafter, the digital signature procedure (S1109) proceeds. There are three types of SMS, MO, SMS, ARS, and public certificate according to the selection.
Referring to FIG. 18, in the case of an electronic signature of an SMS and an MO method, a person in charge of an installment financial institution requests authentication of the
Next, the on-
When the authentication numbers match, the on-
Next, the on-
In step S1204, the authentication server server transmits the information related to the registration request including the authentication number 2 and the authentication number 2 to the mobile phone number of the expired mortgage lender in the mobile phone MO method for digital signature.
Then, the mortgage settler (the mortgage canceler or the mortgender is scheduled to cancel the mortgage) confirms the content of the mortgage cancellation registration request and the authentication number 2 using the mobile phone, and transmits the authentication number 2 to the authentication server by using the mobile phone (S1205).
The authentication company server transmits the received authentication number 2 information to the on-casse server 200 (S1206).
The on-
Referring to FIG. 19, in the case of an electronic signature of an SMS and an ARS method, a person in charge of an installment financial institution requests authentication of the
Next, the on-
When the authentication numbers match, the on-
Next, the on-
In step S1304, the authentication company server transmits the information related to the registered mortgage registration request including the authentication number 2 and the authentication number 2 to the mobile phone number of the mortgage canceler using the mobile phone ARS for electronic signature.
Then, the applicant for the forgery cancellation erroneously confirms the content of the registration request and the authentication number 2 to the ARS through the mobile phone, and transmits the authentication number 2 to the authentication server by the mobile phone (S1205).
The authentication company server transmits the received authentication number 2 information to the on-casse server 200 (S1206).
The on-
Referring to FIG. 20, in the case of an electronic signature of a public certificate scheme, after the on-
The applicant for mortgage cancellation accesses the URL of the on-
Next, the applicant for the forgotten mortgage deletion inputs the automobile registration number into the URL connected to the mobile phone, PC, or the like (S1402).
Then, the on-
If they match, the on-
A mobile phone, a PC, or the like transmits the password information to the authentication company server in step S1405.
Next, the authentication company server confirms and authenticates the password, and transmits the authentication result information to the on-casse server 200 (S1406).
Next, the on-
Referring to FIG. 21, when the electronic signature is completed as one of the above three procedures, the installment financial server transmits the prepaid or postal payment information to the on-casse server 200 (S1500).
In the case of pre-payment, the
Next, the on-
Then, the mortgage-related terminal device or the installment financial company server transfers the corresponding amount to the virtual account number, and transmits the payment result information to the financial institution server of the banking system 700 (S1503).
The financial institution server transmits the payment result information to the on-casus server 200 (S1504).
Then, the on-
Then, the registrar server determines whether to approve based on the mortgage erasure registration application completion information (S1506).
If it is approved, the registration agency server stores the mortgage erasure registration application information in the
Thereafter, the server of the cleaning system 230 (standard local tax, etc.) calculates the amount of tax paid and generates an electronic payment number (S1508).
Next, the server of the cleaning system 230 (standard local taxes, etc.) transmits out-of-state income information such as registration tax, local taxes, security zones, and chargeable zones to the on-casse server 200 (S1509).
The on-
Then, from the money deposited in the virtual account number of the corresponding financial institution server of the
22, the on-
Thereafter, the server of the
Then, the
Then, the on-
Thereafter, the installment financial institution server transmits the mortgage erroneous registration completion to the mortgage lender (S1604)
On the other hand, the case of post-payment is as follows.
Referring to FIG. 23, when the electronic signature is completed, the installment financial server sends the prepaid or postal payment information to the on-casus server 200 (S1700).
When the on-
Next, the registrar server of the
If it is approved, the registration agency server stores the mortgage erasure registration application information in the
Thereafter, the server of the cleaning system 230 (standard local tax, etc.) calculates the amount of tax paid and generates an electronic payment number (S1704).
Next, the server of the cleaning system 230 (standard local taxes, etc.) transmits the outside income information such as the local tax, the fortune zone, and the credit card to the on-casus server 200 (S1705).
The on-
The on-
Then, the mortgagor installer or installment financial company server transfers the corresponding amount to the virtual account number, and transmits the payment result information to the financial institution server (S1708).
Then, from the money deposited in the virtual account number by the corresponding financial institution server, the outside income such as the local tax, the rich zone and the credit card is transferred to the account of the registered office and the electronic payment number, And the on-casus server 200 (S1709).
The on-cas server sends the payment completion information to the registered office server, and the registered office automobile civil affairs official confirms the payment completion information from the server of the confirmation or cleaning system 230 (S1710).
24, the server of the
Then, the
Then, the on-
Thereafter, the installment financial institution server transmits the completion of mortgage erroneous registration to the mortgagor holder (S1803).
In the embodiment of the present invention as described above, it is possible to collect creditor information that does not erase the car mortgage even if all funds financed from the installment financial institution are redeemed at the time of purchasing a car, and periodically inform the user about the mortgage cancellation.
Also, in the embodiment of the present invention, it is possible to confirm whether or not the vehicle's mortgage right is erased in real time, accurately select the guide letter sending destination, and send the guide letter, and the payee who received the guide letter can immediately carry out the mortgage erase work.
In addition, in the embodiment of the present invention, it is possible to solve the problem that caused the hindrance of the property rights of the owner of the automobile by not canceling the mortgage right of the automobile and reduce the complaints of financial institutions such as installment finance companies, By processing the erase work online, the vehicle owner can quickly sell or dispose of the vehicle.
In addition, in the embodiment of the present invention, it is possible to smoothly respond to notices of the state institutions such as the Financial Supervisory Service, facilitate the exercise of the property rights of the whole people, increase the satisfaction of financial consumers, There is a continuing mortgage cancellation to the financial consumer.
In addition, in the embodiment of the present invention, from the viewpoint of the installment financial institution, it is easy to manage installment financing consumer, and convenience of customer response is increased through continuous mortgage setting and erasure data management, , Customer satisfaction is increased through reduction of customer complaints, accurate response to the notices of national institutions such as Financial Supervisory Service can be possible, and mortgage cancellation guidance of installment finance consumers is possible dramatically.
Further, in the embodiment of the present invention, it is possible for the borrower to easily exercise the property right, to provide a service that is free of paperwork, to be free of charge, to provide indifferent services and to provide a convenient mortgage cancellation, Can be improved.
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 possible to provide convenience for the applicant.
In addition, since the authentication process is performed in real time in the embodiment of the present invention, the security of the registration of the mortgage right can be enhanced.
In addition, in the embodiment of the present invention, the mortgage company can register the mortgage on-line, and the local tax is deposited in the virtual account from the installment financial institution, and the payment can be made electronically. There is an effect of eliminating the possibility of the occurrence of fraud by the person who subscribes to the registration and the agent by replacing the owner.
Further, in the embodiment of the present invention, security authentication can be strengthened by separately configuring a certification vendor server.
Further, in the embodiment of the present invention, the applicant for registering the mortgage right can confirm the current situation in real time.
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.
200: OnCas server 810: Civilian terminal
201: information processing unit 202: authentication processing unit
203: financial processing unit 204:
210: database unit 211: applicant information storage unit
212: registration information storage unit 220: car system
230: cleaning system 500: certified company system
600: Installment financial institution system 700: Bank system
800: Mobile phone 900: Internet network or wired / wireless communication network
Claims (5)
The information processing unit 201 of the on-casus server 200 connects to the automobile system 220 and carries out the origin inquiry by transmitting the automobile registration number of the car delivered by the installment financial institution system 600 (S112) ;
The automobile system 220 confirms whether or not a corresponding mortgage is set in the automobile registration number transmitted from the information processing unit 201 of the on-casse server 200 and, if there is a mortgage, To the information processing unit 201 of the CAS server 200 (S113);
If the information processing unit 201 of the on-casse server 200 does not have a mortgage right in the corresponding car number and it is not a mortgage right of the installment financial institution even though it has a mortgage right, the on-casus server 200 stores it in the database unit 210, If the information processing unit 201 of the on-casse server 200 has a mortgage and the mortgage is a mortgage of an installment financial institution designated by the mortgage, the mortgage is canceled and the mortgage-canceled vehicle number of the appointed installment financial institution is stored in the database unit 120 Step S114,
When the complainant of the installment financial institution requests payment of the installment financing (S120), and the loan of the installment financial institution is fully paid up (S121), the installment financial institution system 600 transmits information of the installment financial institution installer to the on- 200 to the information processing unit 201 (S122);
The information processing unit 201 of the on-casus server 200 receives the payee information of the day or the specified period transmitted from the payment server system 600 through the Internet network or the wired / wireless communication network 900 (S123);
The information processing unit 201 of the on-casus server 200 integrates the installment financial institution complete vehicle data acquired in the step S114 and the complete vehicle data on the same day or the specified period received in the step S123 S124)
The information processing unit 201 of the on-casus server 200 confirms whether or not the mortgage-related data secured through the automobile system 220 exists and the mortgage right of the appointed installment financial institution exists (S 130) ;
(S131) of whether or not the automobile system 220 exists in the information processing unit 201 of the on-chassis server 200 whether or not the corresponding financial institution has a mortgage right;
A step (S132) of accepting the mortgage cancellation on a vehicle whose information processing unit 201 of the on-casse server 200 confirms the existence of a mortgage right;
The information processing unit 201 of the on-casus server 200 creates a virtual account for each of the subject vehicles of the complainant who is a mortgage setting completer, and then sends a text message to the cellular phone 800 of the complainant who is the paying person (S133);
When the complainant deposits the amount of the mortgage erasure into the banking system 700 with the virtual account number transmitted to the mobile phone 800, the banking system 700 transmits the information deposited by the complainant to the internet network or the wired / wireless communication network 900 The information processing unit 201 of the on-casus server 200 transmits the mortgage erasure acceptance information to the information processing unit 201 after confirming the deposit of the on-casus server 200 (S135)
The car system 220 advances the erasure (S140), the cleaning system 230 receives the registration fee and the stronghold (S141), the car system 220 erases the mortgage (S142);
Storing the completion information in the database unit 210 when the information processing unit 201 of the on-casus server 200 confirms whether the mortgage erasure is completed through the automobile system 220 (S143);
The on-casus server 200 transmits the completed mortgage-canceled information stored in the database unit 210 to the installment financial institution system 600 on the same day or in a designated period (S144);
Further comprising a step S145 of updating the mortgage erasure completion information of the registration information storage unit 212 transmitted from the on-line cash server 200 by the financial institution system 600,
The information processing unit 201 of the on-casus server 200 reconfirms whether or not the mortgage-subject data secured by the automobile system 220 exists and whether the mortgage right of the appointed installment financial institution exists through the automobile system 220 (S210) ;
The step S211 of the automobile system 220 informing the information processing unit 201 of the on-casse server 200 whether or not the corresponding financial institution has a mortgage right;
The information processing unit 201 of the on-casse server 200 sends a text message to the cellular phone 800 of the corresponding payee of the complainant's vehicle, and the character includes an Internet address (URL) A step S212 in which the center telephone number is included;
After the complainant confirms the mortgage canceling letter with the mobile phone 800, the complainant requests the mortgage cancellation by accessing the internet address (URL) transmitted by the on-casse server 200 through the complainant terminal 810 or the mobile phone 800 Requesting the on-casus server 200 customer center to request a mortgage erasure (S213);
After the information processing unit 201 of the on-casus server 200 confirms the receipt request of the complainant, creates a virtual account for each vehicle, and then sends a text message to the mobile phone 800 of the pay-to-pay server (S214);
The customer is informed by the cellular phone 800 that the mortgage canceling guide letter including the guidance of the mortgage canceling and the virtual account is transferred to the banking system 700 with the virtual account number transferred to the mobile phone 800 Further comprising the step of depositing (S215)
How to Manage Automobile Mortgage Deletion Data.
A message to guide the registration of the vehicle mortgage policy to the mobile phone of the civilian whose mortgage right is not canceled even though the installment financing has been fully paid out with reference to the database unit is received and the information of the application for the registration of the mortgage cancellation application is received from the complainant, Includes an on-cas server that proceeds with the process of registering foreclosures
Wherein the on-casus server performs the method of claim 1.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020170119438A KR101871191B1 (en) | 2017-09-18 | 2017-09-18 | Vehicle Mortgage Registration Canceled data management System and Method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020170119438A KR101871191B1 (en) | 2017-09-18 | 2017-09-18 | Vehicle Mortgage Registration Canceled data management System and Method thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| KR101871191B1 true KR101871191B1 (en) | 2018-06-27 |
Family
ID=62789785
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| KR1020170119438A KR101871191B1 (en) | 2017-09-18 | 2017-09-18 | Vehicle Mortgage Registration Canceled data management System and Method thereof |
Country Status (1)
| Country | Link |
|---|---|
| KR (1) | KR101871191B1 (en) |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20110117430A (en) * | 2010-04-21 | 2011-10-27 | 주식회사 씨엘엠앤에스 | Method and system for providing online service of cancellation of car-mortgage registration |
-
2017
- 2017-09-18 KR KR1020170119438A patent/KR101871191B1/en active IP Right Grant
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20110117430A (en) * | 2010-04-21 | 2011-10-27 | 주식회사 씨엘엠앤에스 | Method and system for providing online service of cancellation of car-mortgage registration |
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