KR102270263B1 - System for providing information to used car loan using location information and method thereof - Google Patents

Abstract

A used car loan information providing system and method, wherein the used car loan information providing system receives a service request for a used car sale fund loan including customer information and loan information from a user terminal or a financial institution server, and responds to the service request In the communication department that transmits the report to the user terminal or the server of a financial institution, the user terminal of the user who wants to borrow money for used car sales that is linked to the service request, the identity authentication department and the identity authentication department perform identity authentication and proceed with the consent process to provide the service An information collection unit that collects location information and a used car image at the current point in time from the user terminal, and accesses a server of a public institution or a pre-established database to collect information related to the used car when the identity authentication and consent process are completed , an information analysis department that analyzes the location information and used car images collected by the information collection department to check the existence of a used car, and an information analysis department that calculates the appropriate loan limit for a used car when the normal existence of a used car is confirmed by examining the used car-related information Correspondingly, it includes a report writing unit for writing a first report including the appropriate loan limit calculated by the information analysis unit.

Description

Used car loan information providing system and method using location information {SYSTEM FOR PROVIDING INFORMATION TO USED CAR LOAN USING LOCATION INFORMATION AND METHOD THEREOF}

A used car loan information providing system and method using location information are provided.

With the development of the mobile environment, the general public can easily check the transaction price of used cars within tens of seconds or minutes, apply for a used car loan, and find out the loan limit.

However, the used car transaction price is an average transaction price based on the type and year of the vehicle, and is insufficient to calculate the actual loan amount and loan limit at a financial institution.

In addition, in the used car transaction, it is necessary to check the existence of an actual used car, so a person must visit a place in the vehicle and check visually.

Omitting the process of checking the actual used car increases the risk of financial institutions, and it is highly likely that the loan limit will be calculated conservatively rather than accurately.

Accordingly, a method is used to appropriately calculate the loan limit based on vehicle-related documents containing vehicle information and to increase the reliability of the vehicle. However, even in this method, there are many types of documents that the customer needs to prepare, and the authenticity of the documents is checked. A considerable amount of time and effort are required, such as to confirm.

Therefore, there is a need for a technology that can provide accurate and appropriate loan limit calculations without a person checking the real thing.

The problem to be solved by one embodiment of the present invention is to simplify the service request and provide the results by quickly checking the vehicle in order to help financial institutions and loan applicants decide on the loan progress in the used car loan process.

The problem to be solved by one embodiment of the present invention is to provide necessary information to a financial institution and a customer by calculating an appropriate loan limit using various information of a vehicle.

An object to be solved by one embodiment of the present invention is to provide data to a financial institution by converting changes in vehicle information during a service period.

In addition to the above tasks, it may be used to achieve other tasks not specifically mentioned.

A used car loan information providing system according to an embodiment of the present invention receives a service request related to a used car sale fund loan including customer information and loan information from a user terminal or a financial institution server, and provides a report corresponding to the service request to the user. The communication department that transmits to the terminal or the server of a financial institution, the user terminal of the user who wants to borrow money for used car sales that is linked to the service request, and the identity authentication department that performs the consent process to provide the service, and the identity authentication department When the consent procedure is completed, the information collection unit and the information collection unit collect the location information and the used car image at the current time from the user terminal, and access the server of another institution or a pre-established database to collect the information related to the used car The information analysis department that calculates the appropriate loan limit for used cars and information in response to service requests to check the existence of used cars by analyzing the location information and used car images collected from Includes a report writing unit that prepares the first report including the appropriate loan limit calculated by the analysis unit.

The information collection unit includes customer information including the name, gender, and phone number of the borrower for the used car sales fund, and basic information of the used car corresponding to the loan information including the borrowing date, transaction price, accident history, ownership transfer history, priority Information related to used cars can be collected about rights and whether or not loans are in progress for used cars.

The information analysis unit checks the existence of the used car, the vehicle existence confirmation unit that confirms that the used car is a normal vehicle, and when the vehicle existence confirmation unit verifies that the used car is a normal vehicle, basic information of the used car, transaction price, accident history, ownership transfer A vehicle history check unit that checks whether there is a risk factor for a loan for a used car among history, priority rights, and whether or not there is a loan in progress for the used car, and when the vehicle history check unit determines that the risk factor is lower than a preset standard value, information is collected It may include a loan limit calculation unit for calculating an appropriate loan limit of the used car based on the information related to the used car collected in the unit.

The loan limit calculation unit is a used car loan information providing system that calculates the appropriate loan limit (x) of the used car by using the following equation.

Here, Max [A] is the highest transaction price, B is the maximum amount of senior bonds, P is the residual price, k is the number of sales, and Qk is k, the repair cost may be represented.

The report writing unit, upon receiving the loan proceeding corresponding to the first report from the financial institution server, checks the ownership transfer information of the used car in real time until the day of the loan, and prepares a second report including whether any changes occur, and the communication unit , the secondary report may be transmitted to the financial institution server.

When a loan from a financial institution is executed, based on a preset schedule, it may further include a management unit that makes a request for identity verification or a used car image, checks the vehicle registration book of the used vehicle, and writes a follow-up report including the contents of the vehicle registration book .

When receiving a service request from the user terminal, the report writing unit may prepare a first report including transaction price for the used car, priority rights, accident history, and cost information for buying and selling a used car including an appropriate loan limit.

The service providing method of the used car loan information providing system according to an embodiment of the present invention includes the steps of receiving a service request for a used car sales fund loan including customer information and loan information from a user terminal or a financial institution server, and interlocking with the service request A step of performing self-verification with a user terminal of a person wishing to borrow money for a used car purchase, a step of allowing location information and requesting a used car image when the identity verification is completed, a step of receiving location information and a photographed used car image from the user terminal, a service request collecting information related to the used car through a server of another institution or a pre-built database based on the Comprising the steps of calculating an appropriate loan limit, preparing a first report including information related to the checked used car and an appropriate loan limit, and sending the first report to a user terminal or a server of a financial institution.

One embodiment of the present invention can minimize the loss of manpower and time required by the existing system in which a person must directly visit by checking whether the vehicle actually exists using the location information.

In addition, it is possible to minimize the time and effort it takes to provide a loan availability and an appropriate loan limit so that quick decision-making can be made.

1 is an exemplary diagram illustrating a communication network including a used car loan information providing system according to an embodiment of the present invention.
2 is a block diagram illustrating a used car loan information providing system according to an embodiment of the present invention.
3 is a block diagram illustrating an information analysis unit according to an embodiment of the present invention.
4 is a flowchart illustrating a process of providing used car loan related information in the used car loan information providing system according to an embodiment of the present invention.
5 is a flowchart illustrating the continuous provision of information after the loan execution and the loan execution of the used car loan information providing system according to an embodiment of the present invention.

With reference to the accompanying drawings, the embodiments of the present invention will be described in detail so that those of ordinary skill in the art to which the present invention pertains can easily implement them. The present invention may be embodied in many different forms and is not limited to the embodiments described herein. In order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and the same reference numerals are used for the same or similar components throughout the specification. In addition, in the case of a well-known known technology, a detailed description thereof will be omitted.

Throughout the specification, when a part "includes" a certain element, it means that other elements may be further included, rather than excluding other elements, unless otherwise stated.

1 is an exemplary diagram illustrating a communication network including a used car loan information providing system according to an embodiment of the present invention.

As shown in FIG. 1 , the used car loan information providing system 300 is connected to the user terminal 100 , the financial institution server 200 , and a pre-built database 400 through a network to transmit and receive data.

Here, the network may include any type of communication network that transmits data, such as a wired communication network, a short-distance or long-distance wireless communication network, and a mixed network thereof.

First, the user terminal 100 represents a device including a function for measuring real-time location information such as GPS and a camera for capturing an image as a user terminal of a borrower wishing to borrow money for a used car sale.

For example, a personal computer, a handheld computer, a personal digital assistant (PDA), a mobile phone, a smart device, a tablet, etc. are indicated, but are not limited thereto.

Meanwhile, an application interworking with the used car loan information providing system 300 is installed in the user terminal 100 , and data can be transmitted and received with the used car loan information providing system 300 through the application.

When the application installed in the user terminal 100 obtains user consent, it may be set to allow access to some functions such as user authentication, location information, and photos.

In addition, upon receiving a request from the used car loan information providing system 300 , the request may be notified through a notification function set in the user terminal 100 , and a notification window may be provided in the form of a pop-up.

Next, the financial institution server 200 is a server of an institution that performs a used car loan, and upon receiving a loan application from the user terminal 100 , transmits a service request to the used car loan information providing system 300 to obtain information promptly.

At this time, the financial institution server 200 receives both the loan application and the consent for the use of personal information from the user terminal 100, and sends a service request including personal information and loan application information of the borrower to the used car loan information providing system ( 300) is sent.

And, upon receiving the report on the service request, the financial institution server 200 may perform the loan by calculating whether a used car loan is available, a loan amount, a loan interest rate, etc. based on the report.

In addition, the financial institution server 200 transmits a notification to the used car loan information providing system 300 while performing the loan, thereby notifying the used car loan information providing system 300 of the loan execution and requesting monitoring during the loan period.

In this case, monitoring refers to checking whether there are any changes based on the initial conditions of the loan of the used car as collateral.

Next, when the used car loan information providing system 300 receives a service request from the user terminal 100 or the financial institution server 200, it collects and analyzes basic information about the used car, a history, and whether a loan is in progress, etc. Calculate the appropriate loan limit.

The used car loan information providing system 300 prepares and transmits a report organized by computing the used car loan related information including the appropriate loan limit.

In addition, when the loan proceeds from the financial institution server 200 , the used car loan information providing system 300 may check whether there are any changes according to a preset schedule based on the loan period, prepare a report and send it.

The database 400 is linked with the used car loan information providing system 300 to store transaction prices, vehicle information, accident information, and the like.

Although the database 400 is illustrated separately from the used car loan information providing system 300 , it may be included in the used car loan information providing system 300 later according to an administrator.

Hereinafter, the used car loan information providing system and the pre-built database will be described in detail with reference to FIGS. 2 and 3 .

2 is a configuration diagram illustrating a used car loan information providing system according to an embodiment of the present invention, and FIG. 3 is a configuration diagram showing an information analysis unit according to an embodiment of the present invention.

As shown in FIG. 2 , the used car loan information providing system 300 includes a communication unit 310 , an identity authentication unit 320 , an information collection unit 330 , an information analysis unit 340 , a report writing unit 350 and and a management unit 360 .

First, the communication unit 310 receives a service request through communication with the user terminal 100 or the financial institution server 200 , and when a report corresponding to the service request is prepared, the prepared report is transmitted.

Here, the service request includes, but is not limited to, customer information including the name, gender, and phone number of the applicant for a loan for used car sales funds, and loan information including a loan statement date, but is not limited thereto, and further includes information related to the service request. can do. In addition, the service request may include consent to the use of personal information from the user terminal 100 .

In addition, the identity authentication unit 320 performs identity authentication with the user terminal 100 of the borrower wishing to borrow money for used car sales linked to the service request and proceeds with an agreement procedure for providing the service.

Specifically, the identity authentication unit 320 proceeds with the consent procedure for access to the camera, photo, and location information of the user terminal 100 .

When the identity authentication unit 320 completes the identity authentication and consent process, the information collection unit 330 collects the location information of the current time and the used car image of the current time from the user terminal 100 .

In addition, the information collection unit 330 accesses a server of another institution or a pre-built database 400 to extract and collect used car-related information.

At this time, the pre-built database (system DB, 400) is a used car market price DB that is traded according to car name, type, year, condition grade, etc., an accident DB that stores car events and accident records, and a vehicle DB that stores basic information about cars. , a duplicate DB in which the loan status using a used car is stored, etc., but is not necessarily limited thereto.

In addition, the information collection unit 330 continuously updates the database 400 by comparing and storing information collected from one or more other institution servers with information stored in the database 400 .

In addition, the information collection unit 330 may create a DB of the database 400 and store the used car loan related contents.

Next, the information analyzing unit 340 analyzes the location information and the used car image collected by the information collecting unit 330 to determine whether a used car exists.

Then, the information analysis unit 340 calculates an appropriate loan limit for the used car when it is confirmed that the used car is a normal vehicle by examining information related to the used car.

Here, the appropriate loan limit for the used car is customized for the used car requested for service.

In addition, the process of confirming the used car-related information of the information analysis unit 340 may include a process of verifying the relevant information while confirming whether the relevant information is present.

In more detail, the information analysis unit 340 is shown in FIG. 3 .

As shown in FIG. 3 , the information analysis unit 340 includes a vehicle existence verification unit 341 , a vehicle history verification unit 342 , and a loan limit calculation unit 343 .

First, the vehicle existence check unit 341 analyzes the collected location information and the used car image to confirm the existence of the used car, and confirms that the used car is a normally registered vehicle by checking the registration book of the used car.

The vehicle history check unit 342 includes basic information of the used car, transaction price, accident history, ownership transfer history, priority rights, and whether a loan is in progress for a used car when the vehicle existence confirmation unit 341 verifies that the used car is normally a vehicle It is possible to check whether there is a risk factor for a used car loan among the used car related information.

If the loan limit calculation unit 343 determines that the risk factor is lower than the preset reference value by the vehicle history check unit 342, it can calculate an appropriate loan limit based on the information related to the used car collected by the information collection unit 330. .

In detail, the loan limit calculation unit 343 calculates an appropriate loan limit for a used car using the vehicle transaction price, the priority right set in the vehicle, the residual price ratio, the number of owner changes of the vehicle, the accident history of the used car, and the estimated repair cost of the used car. can

Next, in FIG. 2 , the report creation unit 350 creates a first report corresponding to the service request including the appropriate loan limit calculated by the information analysis unit 340 .

The report creation unit 350 may create a customized first report according to whether the service request target is the user terminal 100 or the financial institution server 200 .

For example, if the service request target is the user terminal 100, the report writing unit 350 can provide the used car market price, accident history, loan limit, and fund information required for used car transaction quickly before the used car transaction is completed. You can write a report for the used car transaction.

In addition, if the service request target is the financial institution server 200, the verification details of the actual existence of the used car as collateral for the loan, the appropriate loan limit calculated by analyzing more specifically, whether the ownership has changed, etc. You can write a report for a used car loan that you can provide.

On the other hand, when the report preparation unit 350 receives the financial institution server 200 and whether the loan is in progress, the report preparation unit 350 may create a secondary report corresponding to each.

Next, when the loan of the financial institution is executed, the management unit 360 makes a user authentication request or a used car image request to the user terminal 100 based on a preset schedule, or accesses the server of another institution to change the vehicle registration register of the used car and prepare a follow-up report including the contents of the vehicle registration register.

The management unit 360 may repeatedly check the information on the used car as collateral based on the schedule set on a weekly, monthly, and yearly basis for a certain period corresponding to the used car loan period, and upon detecting a change, immediately create a follow-up report can

Meanwhile, the used car loan information providing system 300 may be a server, a terminal, or a combination thereof.

A terminal is a generic term for a device having an arithmetic processing capability by having a memory and a processor, respectively. For example, there is a personal computer, a handheld computer, a personal digital assistant (PDA), a mobile phone, a smart device, a tablet, and the like.

A server is a memory in which a plurality of modules are stored, and a processor that is connected to the memory and responds to the plurality of modules, and processes service information provided to the terminal or action information for controlling the service information, communication means, and may include a user interface (UI) display means.

Memory is a device that stores information, and is a non-volatile solid-state memory device such as high-speed random access memory (magnetic disk storage device), flash memory device, and other non-volatile solid-state memory devices. It may include various types of memory such as volatile memory.

The communication means transmits and receives service information or action information to and from the terminal in real time.

The UI display means outputs service information or action information of the device in real time. The UI display means may be an independent device that directly or indirectly outputs or displays the UI, or may be a part of the device.

Hereinafter, an information providing process of a used car loan information providing system that provides customized information in response to a service request will be described in detail with reference to FIGS. 4 and 5 .

4 is a flowchart illustrating a process of providing used car loan related information in the used car loan information providing system according to an embodiment of the present invention.

Hereinafter, a process of providing used car loan related information in a situation where the service requester of the used car loan information providing system 300 is the financial institution server 200 will be described.

First, the user terminal 100 performs a loan application to the financial institution server 200 (S410). Here, the loan application includes consent to use of personal information, and may include basic information of a vehicle to be loaned, and basic information of a borrower.

Then, the financial institution server 200 receiving the loan application from the user terminal 100 requests a service to the used car loan information providing system 300 (S415).

Here, the service request application includes customer information including name, gender, and phone number and loan information including a loan statement date, but may further include loan-related information.

The used car loan information providing system 300 performs self-authentication with the user terminal 100 of the borrower wishing to borrow the used car sales funds linked to the service request.

At this time, when an application interworking with the used car loan information providing system 300 is installed in the user terminal 100 , the user authentication agreement and the user authentication procedure can be performed through the application.

Next, the used car loan information providing system 300 requests location information permission and a used car image when user authentication is completed (S430).

Here, the location information permission and the used car image request may be made in real time, and the used car loan information providing system 300 may request the location information and the used car image within a certain time limit from the requested time.

Also, the used car loan information providing system 300 may provide a predetermined standard for the used car image. For example, the used car loan information providing system 300 selects a specific area of the used car, such as an image including the vehicle number of the used car, the front, side, and rear images of the used car, and an internal image including a specific area of the used vehicle. You can request to take pictures or ask for a minimum number of pictures to be taken.

As such, when the user terminal 100 allows the location information and captures the used car image, the current location information and the used car photographed image at the current point in time are transmitted to the used car loan information providing system 300 ( S440 ).

In other words, the used car loan information providing system 300 may receive the location information and the photographed image at the time of photographing the used vehicle.

On the other hand, when the used car loan information providing system 300 receives the location information and the photographed image at the time of photographing the used car, the vehicle number of the used car from the photographed image using an Optical Character Reader/Recognition (OCR) can be extracted.

And by detecting and analyzing the edge that can determine the shape of the used car from the photographed image through the used car loan information providing system 300 edge analysis algorithm, damage information including dents and damaged areas of the used car can be generated. can

The used car loan information providing system 300 has been described as using an optical character reading reader (OCR) or edge analysis algorithm, but is not limited thereto, and includes both a reader or algorithm for extracting a vehicle number or detecting the outline of a vehicle. .

Next, the used car loan information providing system 300 collects used car-related information through a server of another institution or a pre-built database 400 based on a service request (S450).

First, the used car loan information providing system 300 collects used car information and related information based on the vehicle number of the recognized used car by analyzing the used car information or the photographed image based on the service request received from the financial institution server 200 .

Here, the used car-related information includes, but is not limited to, basic information of the used car, transaction price, accident history, repair history, ownership transfer history, priority rights, and whether or not a loan is in progress for the used car. In addition, the trading price may include a trend of the highest trading price, the lowest trading price, the average trading price, or the trading price for a certain period at the time of the investigation. In addition, the accident history represents the accident history of the used car, and may include whether there is a violation of laws and whether there is a fine based on the used car.

In addition, the used car loan information providing system 300 may store and update the collected information in the database 400 or create and store a separate DB in the database 400 for service request information.

Next, the used car loan information providing system 300 investigates and confirms the collected information (S460)

In detail, the used car loan information providing system 300 examines the received location information, the used car image, and the collected used car-related information to confirm the existence of the used car and calculates an appropriate loan limit for the used car.

First, the used car loan information providing system 300 uses the location information at the time of shooting the used car image to check the existence of the used car, and verifies that the used car is a normal vehicle using the register book history and current borrower information. .

For example, the used car loan information providing system 300 may determine the actual location of the used car using location information at the time of shooting. And the used car loan information providing system 300 is Based on the actual used car location, it is possible to estimate whether it is a legitimate sale. For example, if the location information is at an address of a used car sales dealer or an address related to a seller, the used car loan information providing system 300 may verify that the vehicle is a normal vehicle by estimating the corresponding vehicle as a legitimate target for sale.

In addition, the used car loan information providing system 300 may estimate that the damaged information generated by analyzing the image of the used car is above a threshold value as an abnormal vehicle, and if it is below the threshold value, verify that the vehicle is a normal vehicle to be sold.

In addition, when it is verified that the used car is a normal vehicle, the used car loan information providing system 300 may use information related to the used car to check whether there is a risk factor for loan for the used car.

In detail, the used car loan information providing system 300 collects information related to used cars such as transaction prices, accident history, repair history, periodic inspection results, ownership transfer history, priority rights, and risk factors for each of the in-progress loans for used cars. The number of checked risk factors can be calculated by calculating the score of , or by checking each item in which risk factors exist, but is not limited thereto. The method of calculating the risk factor value can be easily changed and designed by the manager later.

For example, if there is an accident history of the used car in the information related to the used car, the used car loan information providing system 300 may calculate the risk factor value differentially classified according to the size of the accident. In addition, when the corresponding accident is a human accident, a high risk factor value can be calculated, and a relatively insignificant contact accident can calculate a low risk factor value. Alternatively, the used car loan information providing system 300 may calculate that there are two risk factors if there is a repair history in the used car related information and there is an accident history.

In addition, the used car loan information providing system 300 may compare the risk factor value of the loan for the used car with a preset reference value. Here, the preset reference value can be easily changed and set by an administrator later.

The used car loan information providing system 300 determines that the risk factor for a loan for a used car is higher than a preset reference value or a risk factor for an item that is directly related to a used car loan can be calculated as 0. For example, if the used car is not a normal vehicle or there is a loan currently in progress for the used car, the used car loan information providing system 300 immediately calculates an appropriate loan limit to 0 and proceeds to the next step.

In addition, the used car loan information providing system 300 may generate, separately store, and manage a blacklist for used car and used car loan applicants who are estimated and confirmed as abnormal cases.

Meanwhile, if the used car loan information providing system 300 determines that the risk factor of loan for the used car is lower than the preset reference value, the used car loan information providing system 300 may calculate an appropriate loan limit based on the collected used car related information.

The used car loan information providing system 300 calculates an appropriate loan limit using the vehicle transaction price for the used car, the priority right set for the vehicle, the residual price ratio, the number of owner changes of the vehicle, the accident history of the used car, and the estimated repair cost of the used car can do.

In detail, the used car loan information providing system 300 may calculate the appropriate loan limit (x) of the used car using Equation 1 below.

[Equation 1]

Here, Max [A] is the highest trading price, B is the maximum amount of senior bonds, P is the residual price, k is the number of sales, and Qk is the repair cost when k.

Next, the used car loan information providing system 300 prepares a first report including the confirmed used car related information and an appropriate loan limit (S470).

The used car loan information providing system 300 uses the collected information and the calculated appropriate loan limit to create a first report to correspond to the purpose of the service requester for examining whether the loan applicant has a loan.

The used car loan information providing system 300 may prioritize used car information that is important for determining whether to borrow or not, and intuitively create a first report using used car images, charts, graphs, tables, and the like.

In addition, the used car loan information providing system 300 may determine loan adequacy as a result of the investigation and write it in the first report.

In addition, when there is a report format required for each financial institution server 200 , the used car loan information providing system 300 may prepare a first report corresponding to the report format.

On the other hand, when the service requester is the user terminal 100, the used car loan information providing system 300 first arranges the information necessary for the used car sales fund loan applicant and intuitively creates the first report using charts, graphs, tables, etc. can

For example, the used car loan information providing system 300 may create a first report including the sale price for the used car, priority rights, accident history, and cost information for buying and selling the used car including an appropriate loan limit.

In other words, the used car loan information providing system 300 can provide the user terminal 100 by creating a first report focusing on the used car information for determining the used car sales transaction or the cost information required for buying and selling used cars. .

As such, the used car loan information providing system 300 transmits the prepared first report to the financial institution server 200 serving as a service requester (S475).

Then, the financial institution server 200 provides loan-related information to the user terminal 100 based on the first report (S480).

Here, the loan-related information includes whether a loan is possible, an appropriate loan limit, and the like.

As such, the used car loan information providing system 300 quickly and quickly collects information in response to a service request from the financial institution server 200 , goes through a verification process, and calculates the appropriate loan limit for each used car and provides it in the form of a report.

Hereinafter, a method in which the used car loan information providing system 300 provides information in the process of used car loan after step S480 will be described in detail.

5 is a flowchart illustrating the continuous provision of information after the loan execution and the loan execution of the used car loan information providing system according to an embodiment of the present invention.

First, when the user terminal 100 confirms and agrees to the loan limit in response to the loan-related information provided in step S480 ( S510 ), the used car loan information providing system 300 provides a loan including a loan schedule from the financial institution server 200 . A progress notification is received (S520).

The used car loan information providing system 300 that has received the loan progress notification checks the ownership transfer information of the used car in real time until the day of the loan, and creates a secondary report including whether or not changes occur (S530).

And the used car loan information providing system 300 transmits the secondary report to the financial institution server 200 (S535).

Next, the financial institution server 200 confirms through the second report that the ownership of the used car has been changed to the used car loan applicant (S540). After the confirmation, the financial institution server 200 executes a loan as a used car loan applicant and transmits this fact to the user terminal 100 (S545).

In this case, the financial institution server 200 notifies the loan execution to the used car loan information providing system 300 while executing the loan ( S550 ).

And when the used car loan information providing system 300 receives that the loan has been executed, based on a preset schedule, the used car's vehicle registration book is checked, and a post-report is created based on the vehicle registration book contents (S565).

The used car loan information providing system 300 may periodically check the vehicle registration book until the expiration date of the used car loan, and when the transfer of ownership of the vehicle is confirmed, the used car loan information may be immediately notified to the financial institution server 200 .

Alternatively, the used car loan information providing system 300 writes a post-report on the status change information of the used car, such as the used car loan related, accident history, repair history, periodic inspection result, etc. for each period of time, and sends it to the financial institution server 200 . can be transmitted

In this way, the used car loan information providing system 300 not only collects, analyzes and provides information on used cars quickly and accurately in the used car loan process, but also continuously provides information so that the collection of bonds can be made safely in the used car loan process. can

A program for executing the method according to an embodiment of the present invention may be recorded in a computer-readable recording medium.

The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The media may be specially designed and configured, or may be known and available to those skilled in the art of computer software. Examples of the computer-readable recording medium include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and ROMs, RAMs, flash memories, and the like. Hardware devices specially configured to store and execute the same program instructions are included. Here, the medium may be a transmission medium such as an optical or metal wire or a waveguide including a carrier wave for transmitting a signal designating a program command, a data structure, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like.

Although one preferred embodiment of the present invention has been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements by those skilled in the art using the basic concept of the present invention defined in the following claims are also It belongs to the scope of the present invention.

100: user terminal 200: financial institution server
300: Used car loan information providing system 310: Ministry of Communication
320: identity authentication unit 330: information collection unit
340: information analysis unit 341: vehicle presence confirmation unit
342: vehicle history verification unit 343: loan limit calculation unit
350: report writing unit 360: management unit
400: database

Claims (16)

A communication unit for receiving a service request related to a used car sales fund loan including customer information and loan information from a user terminal or a financial institution server, and transmitting a report corresponding to the service request to the user terminal or a financial institution server;
An identity authentication unit that performs identity authentication with a user terminal of a borrower who wants to borrow money for a used car sale linked to the service request and proceeds with the consent process for providing the service;
When the identity authentication unit completes the identity authentication and consent process, the current location information and the used car image at the current time are collected from the user terminal, and the used car-related information is accessed by accessing a server of another institution or a pre-established database. information collection unit that collects
The location information collected by the information collection unit is compared with the address of the used car sales dealer or the seller's address to confirm whether the used car is a legitimate used car, and damage information of the used car is generated from the used car image to the used car for collateral whose damage information is less than or equal to a threshold. When verifying that it is a normal vehicle, an information analysis unit that calculates an appropriate loan limit for the used car; and
A report preparation unit for preparing a first report including the appropriate loan limit calculated by the information analysis unit in response to the service request;
including,
The information analysis unit,
In the used car image, by detecting an outline that can determine the shape of the used car, damage information including distortion of the used car is generated, and if the damage information is greater than a threshold value, it is estimated as an abnormal vehicle;
The report preparation unit,
When receiving the service request from the user terminal, a used car loan that prepares the first report including transaction price for the used car, priority right, accident history, and cost information for buying and selling the used car including the appropriate loan limit Information provision system.
In claim 1,
The information collection unit,
Basic information of the used car corresponding to the loan information including the customer information including the name, gender, and phone number of the loan applicant for the used car sales fund, the transaction price, the accident history, the history of transfer of ownership, the priority right; A used car loan information providing system that collects information related to the used car as to whether the loan for the used car is in progress.
In claim 2,
The information analysis unit,
A vehicle existence confirmation unit that checks whether the used vehicle exists and that the used vehicle is a normal vehicle, and
When the vehicle existence confirmation unit verifies that the used car is a normal vehicle, the risk factors of the loan for the used car among the basic information of the used car, the transaction price, the accident history, the history of transfer of ownership, the priority right, and whether the loan is in progress for the used car A vehicle history check unit to check whether there exists, and
When the vehicle history check unit determines that the risk factor is lower than a preset reference value, the used car loan information including a loan limit calculator that calculates an appropriate loan limit of the used car based on the used car-related information collected in the information collection unit Provide used car loan information system.
In claim 3,
The loan limit calculation unit,
A used car loan information providing system that calculates the appropriate loan limit (x) of the used car using the following equation.

Here, Max [A] is the highest trading price, B is the highest senior bond amount, P is the residual price, k is the number of sales, and Qk is the repair cost when k is
In claim 1,
The report preparation unit,
Upon receiving the loan proceeding corresponding to the first report from the financial institution server, check the ownership transfer information of the used car in real time until the day of the loan, and prepare a second report including whether or not changes occur;
The communication unit,
A used car loan information providing system for sending the second report to the financial institution server.
In claim 1,
When the loan of the financial institution is executed, based on a preset schedule, a management unit that requests identity verification or the used car image request or checks the vehicle registration register of the used vehicle, and writes a post-report including the contents of the vehicle registration register further Used car loan information providing system that includes.
delete Receiving a service request for a used car sales fund loan including customer information and loan information from a user terminal or a financial institution server;
performing self-authentication with a user terminal of a loan applicant for a used car sales fund linked to the service request;
When the identity authentication is completed, the step of allowing location information and requesting an image of a used car;
receiving the location information and the photographed used car image from the user terminal;
collecting information related to the used car through a server of another institution or a pre-built database based on the service request;
The received location information is compared with the used car sales address or seller's address to confirm that it is a legitimate used car subject to collateral, and damage information of the used car is generated from the used car image to indicate that the damage information is a normal vehicle for a used car subject to collateral whose damage information is below a threshold. If verified, checking the used car image and the collected information related to the used car to confirm the existence of the used car and calculating an appropriate loan limit of the used car; and
preparing a first report including the identified information related to the used car and the appropriate loan limit; and
sending the first report to the user terminal or the financial institution server
including,
The step of calculating the appropriate loan limit for the used car is,
In the used car image, by detecting an outline that can determine the shape of the used car, damage information including distortion of the used car is generated, and if the damage information is greater than a threshold value, it is estimated as an abnormal vehicle;
The step of preparing the first report is,
When receiving the service request from the user terminal, used car loan to prepare the first report including the sales price for the used car, priority rights, accident history, and cost information for buying and selling the used car including the appropriate loan limit How the information provision system provides services.
In claim 8,
Information related to the used car,
Basic information of the used car, transaction price, accident history, repair history, ownership transfer history, A service providing method of a used car loan information providing system including a priority right, whether a loan is in progress for the used car.
10. In claim 8 or 9,
The step of calculating the appropriate loan limit is,
A method for providing a service in a used car loan information providing system that checks whether the used car exists and verifies that the used car is normally registered, checks whether a risk factor for a loan for the used car exists using the information related to the used car.
In claim 10,
The step of calculating the appropriate loan limit is,
A service providing method of a used car loan information providing system for calculating an appropriate loan limit of the used car based on the collected used car-related information when it is determined that the risk factor of the loan for the used car is lower than a preset reference value.
10. In claim 8 or 9,
Calculating the loan limit includes:
Used car loan information to calculate the appropriate loan limit of the used car using the transaction price of the used car, the priority right set for the used car, the residual price ratio, the number of owner changes of the used car, the accident history of the used car, and the estimated repair cost of the used car How the delivery system provides services.
10. In claim 8 or 9,
Calculating the loan limit includes:
A service providing method of a used car loan information providing system that calculates the appropriate loan limit (x) of the used car using the following equation.

Here, Max [A] is the highest trading price, B is the highest senior bond amount, P is the residual price, k is the number of sales, and Qk is the repair cost when k is
In claim 8,
Upon receiving the loan proceeding in response to the first report from the financial institution server, the financial institution server checks the ownership transfer information of the used car in real time until the day of the loan, and prepares a second report including whether or not changes have occurred to the financial institution server Service providing method of the used car loan information providing system further comprising the step of sending to.
In claim 8,
When the loan of the financial institution server is executed, based on a preset schedule, checking the vehicle registration book of the used car, creating a post-mortem report based on the contents of the vehicle registration book and sending it to the financial institution server A service provision method of the used car loan information providing system.
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