KR102436982B1 - Real estate mortgage lending system based on the valuation of resale products and online registration system of resale products - Google Patents

Abstract

A personal property mortgage loan system based on the valuation of the resell product and an online registration system for the resell product are provided. The movable property collateral loan system based on the value evaluation of the recell product according to an embodiment of the present invention may determine whether to execute the movable property secured loan and the execution condition by further considering the fair value evaluation information of the recell product and the user's transaction credit information. That is, the borrower can receive a loan corresponding to the recognition of the fair value of the resell product owned by the borrower, and the financial institution can also make a stable loan for the collateral whose authenticity and value are recognized. In addition, the online registration system of the recell product according to the embodiment of the present invention provides a registration system for recording the right information on the ownership of the recell product and the pledge according to the collateral setting, and prevents the recell product from being used as a plurality of collateral can be In other words, it is possible to understand the relationship between the rights of the resell product and ensures that a more fair trade market for the resell product is formed.

Description

Real estate mortgage lending system based on the valuation of resale products and online registration system of resale products

The present invention relates to a movable property secured loan system based on the value evaluation of a recell product and an online registration system for a recell product, and specifically, it corresponds to a movable property secured loan system and collateral that determine the loan interest rate and limit based on the value assessment of the recell product It relates to an online registration system of a resell product that performs value evaluation and online registration of the resell product.

With the advent of the 4th industrial revolution, various methods have been proposed for companies and individuals to raise funds. As a general method, there is a credit loan or a mortgage loan using a financial institution, and a method of renting a spot at an offline store such as a pawnshop and borrowing an amount corresponding to a predetermined ratio of the spot value is used. In the case of conventional secured loan-related financial products, the reality is that they focus on real estate, but recently, movable assets such as securities, precious money, and luxury goods have been created that have a value comparable to that of real estate. Loan products are gradually increasing.

Meanwhile, with the development of online transactions and the activation of overseas direct purchase, consumers' consumption patterns are changing from passive consumption patterns to active and subjective consumption patterns. In particular, consumers show a psychological consumption trend that they want to be differentiated from others, and companies are launching limited edition products in various areas, including the changed consumption trend of these owners. The popularity of limited edition products and the increase in demand for them are leading to the formation of a secondary market where limited editions are purchased at a certain premium. A re-sell market of limited edition products is being formed centered on the fashion (sneakers, clothes, accessories, etc.) market, and the re-sale market in Korea is gradually increasing mainly online. In addition, in addition to users who purchase and use limited edition products directly, resellers with the concept of an investor who set a certain amount of premium on the purchased products and resell them are gradually increasing.

For resell products, the standard for setting premiums is not clear, and their value changes rapidly due to factors such as new launches and reproductions or specific social issues. is difficult to predict. In addition, there is a problem in that it is difficult to check the authenticity of the resell product. Therefore, in the case of executing a mortgage for such a resell product, it is difficult to calculate the loan period, interest rate, and limit for the financial period, and the secured loan market for the resell product is contracted. In other words, a real estate collateral loan system based on fair value evaluation of resell products is required.

In addition, there is a possibility that resell products may be used as multiple collateral because there is no registry. Therefore, there is a need for an online registration system for recell products that provides fair evaluation information on recell products and serves as an online registry for recell products so that they can be utilized in the structure of online pawnshops and financial institution personal property loans.

The present invention has been devised to solve the above-described problems, and provides a movable property mortgage loan system based on the evaluation of the value of the resell product and a recell product registration system capable of understanding the relationship between the rights of the resell product.

The movable property collateral loan method of the recell product according to an embodiment of the present invention is a movable property secured loan method based on the value evaluation of the recell product performed in a movable property secured loan system including a financial server, a recell product management server and a user terminal, The server receives, from the user terminal, a moving property secured loan signal for requesting a moving property secured loan with the user's own recell product as collateral, wherein the moving property secured loan signal includes at least user information and recell product information, a step ; Step, by the financial server, identifying the user information and the re-sell product information in the personal property mortgage loan signal, and performing a financial credit evaluation of the user; requesting, by the financial server, the user's transaction credit information according to the identified user information and the value evaluation information of the re-sell product according to the identified re-sell product information to the re-sell product management server; receiving, by the financial server, the user's transaction credit information and the value evaluation information of the re-sell product from the re-sell product management server; determining, by the financial server, whether or not to execute a movable property secured loan and execution conditions based on the user's financial credit evaluation, the user's transaction credit information, and the value evaluation information of the resell product; providing, by the financial server, whether or not to execute the movable property secured loan and the determined movable property secured loan execution condition to the user terminal; and receiving, by the financial server, a request for executing a movable property secured loan from the user terminal and executing a movable property secured loan according to the execution condition of the movable property secured loan.

The movable property mortgage loan system of the recell product according to an embodiment of the present invention is a movable property secured loan system based on the value evaluation of the recell product including a financial server, a recell product management server and a user terminal, wherein the user terminal is a recell owned by the user Sending a movable property mortgage loan signal requesting a movable property secured loan using a product as collateral to the financial server, wherein the movable property secured loan signal includes at least user information and resell product information, and the financial server is configured to: Identifies the user information and the recell product information, performs a financial credit evaluation of the user, and receives the user's transaction credit information according to the identified user information and the value evaluation information of the recell product according to the identified recell product information A request is made to the re-sell product management server, wherein the re-sell product management server generates the user's transaction credit information and the re-sell product value evaluation information, and provides it to the financial server, wherein the financial server evaluates the user's financial credit; Based on the transaction credit information of the user and the value evaluation information of the recell product, it is determined whether or not to execute the movable movable security loan and the execution condition is provided to the user terminal, and the user terminal is movable according to the execution condition of the movable movable security loan A security loan execution request is sent to the financial server, and the financial server executes a movable movable security loan according to the execution condition of the movable movable security loan in response to the movable movable security loan execution request.

The online registration system of the resell product according to another embodiment of the present invention is an online registration system of the resell product that records the status of the rights of the resell product secured by the movable collateral loan, the resell product in which the right information for the resell product is recorded Resell product registration management unit for generating product registration information; and a database unit for storing the re-sell product registration information, wherein the re-sell product registration information includes re-sell product title information that is information about the re-sell product, first information including information related to ownership of the re-sell product, and the re-sell product It may include second information including information related to rights other than the ownership of

The movable property collateral loan system and method based on the value evaluation of the recell product according to an embodiment of the present invention can determine whether to execute the movable property collateral loan and the execution condition in consideration of the fair value evaluation information of the recell product and the user's transaction credit information. . That is, the borrower can receive a loan corresponding to the recognition of the fair value of the resell product owned by the borrower, and the financial institution can also make a stable loan for the collateral whose authenticity and value are recognized. That is, the mortgage loan market for the resell product may be activated by the movable property collateral loan system based on the value evaluation of the resell product according to an embodiment of the present invention.

The online registration system for recell products according to an embodiment of the present invention provides a registration system for recording rights information on ownership of recell products and pledges according to collateral setting, and it can be prevented that recell products are used as a plurality of collateral have. In other words, it is possible to understand the relationship between the rights of the resell product and ensures that a more fair trade market for the resell product is formed.

1 is a block diagram illustrating the configuration of a movable property mortgage loan system based on the value evaluation of a resell product according to an embodiment of the present invention.
Figure 2 is a flow chart showing a movable property mortgage loan method based on the value evaluation of the resell product according to an embodiment of the present invention.
Figure 3 shows the configuration of the online registration system of the resell product according to another embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS 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. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. Throughout the specification, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated.

The terms used in this specification have been selected as currently widely used general terms as possible while considering their functions, but may vary depending on the intention or custom of a person skilled in the art or the emergence of new technology. In addition, in a specific case, there is a term arbitrarily selected by the applicant, and in this case, the meaning will be described in the description of the corresponding specification. Therefore, the terms used in this specification should be interpreted based on the actual meaning of the terms and the contents of the entire specification, rather than the names of simple terms.

As used herein, the term "re-sell products" refers to products that an individual or a corporation intends to sell to others at a price higher than the original purchase price. That is, the resell product may mean a used product that is not a used product, but an unused, unopened, sealed product, but is not limited thereto, and refers to a used product that can be resold at a high price despite being a used product. Limited edition or limited edition products manufactured and sold only for a specific period or in a specific quantity may be included in the resell product.

1 is a block diagram illustrating the configuration of a movable property mortgage loan system based on the value evaluation of a resell product according to an embodiment of the present invention.

Referring to FIG. 1 , the mortgage loan system 10 based on the value evaluation of the resell product according to an embodiment of the present invention includes a financial server 100 , a resell product management server 101 , and at least one user terminal 102 . ) is included. 1, the user terminal 102 is shown as a single block, but the movable property mortgage loan system 10 based on the evaluation of the value of the resell product according to the number of users is configured to include a plurality of user terminals 102 .

The financial server 100 is configured to be able to communicate with at least one of the resell product management server 101 and the resell product management server 101 through a network. The communication method through the network may include various communication methods through which the object and the object can network, and may be wired communication, wireless communication, 3G, 4G, wired Internet, or wireless Internet. In addition, wired public network, wireless mobile communication network Alternatively, it may be a core network integrated with the mobile Internet, etc., and various services existing in the TCP/IP protocol and its upper layers, namely HTTP (Hyper Text Transfer Protocol), Telnet, FTP (File Transfer Protocol), DNS (Domain Name System), It may be, but is not limited to, an open computer network that provides, for example, Simple Mail Transfer Protocol (SMTP).

The financial server 100 requests the recell product management server 101 to evaluate the value of the recell product in response to a mortgage loan request using the recell product as collateral provided by the user terminal 102, and based on the value evaluation result So you can make a mortgage loan.

Here, the financial server 100 and the resell product management server 101 may be managed and operated by an independent entity (subject, entity). That is, the financial server 100 may be a server operated by a financial institution, a pawnshop, etc. for a loan, and the recell product management server 101 evaluates the recell product, and the subject of the transaction evaluates and trades the recell product. It may be a running server. However, the present invention is not limited thereto, and one entity may operate the financial server 100 and the resell product management server 101 together. For example, an entity that evaluates and transacts a resell product may also provide a secured loan service.

In addition, the re-sell product management server 101 may evaluate the value of the re-sell product, and perform authentication on the value and authenticity information of the re-sell product. That is, the recell product management server 101 may perform a value evaluation by combining the current market price and future value of the resell product, generate value evaluation information, and provide the generated information to the financial server 100 . . Here, the resell product management server 101 may include a trading platform on which the transaction of the resell product is performed, as described above, and not only the evaluation of the resell product for which the loan is applied, but also the borrower (user) who applied for the loan ) for transaction information can be calculated. That is, transaction credit information may be calculated through the transaction performance and penalty information of the borrower who applied for a loan on the transaction platform, and such transaction credit information may be provided to the financial server 100 .

In addition, the resell product management server 101 may provide a storage service of the resell product when the loan is executed. In order to prevent the value of collateral from being damaged due to poor management of the resell product, the resell product management server 101 may also provide a professional storage service for the resell product.

In addition, the re-sell product management server 101 may provide a registration service for the re-sell product loan is executed. That is, it is possible to exclude the possibility that the resell product will be utilized as a plurality of collateral through the identification code assignment and databaseization of the resell product for which the loan is executed. Such, the online registration system and method of the resell product performed in the resell product management server 101 may be designed to be utilized in the structure of the movable property mortgage loan system 10 based on the value evaluation of the resell product. The online registration system of such a resell product will be described later in more detail.

The user terminal 102 may have an application providing the service of the present invention installed or access to a web environment. The user terminal 102 may be a mobile communication terminal such as a smart phone, a personal computer, a notebook computer, a personal digital assistant (PDA), or any other computing device.

A user applies for service subscription to each of the financial server 100 and the resell product management server 101 to use the service of the present invention through the user terminal 102, and a unique account including an ID and password by the application can be given, and consent to the service can be agreed in advance through the terms and conditions.

Hereinafter, with reference to FIG. 2 will be described in more detail about the movable property mortgage loan process based on the value evaluation of the resell product.

Figure 2 is a flow chart showing a movable property mortgage loan method based on the value evaluation of the resell product according to an embodiment of the present invention. The movable property loan method based on the value evaluation of the resell product may include a plurality of steps performed by the above-described financial server 100 .

Referring to FIG. 2 , first, the user terminal 102 may request a personal property secured loan. Here, the user is in a state of service subscription to each of the resell product management server 101 and the financial server 100 , and a step for service subscription may be preceded prior to requesting a personal property mortgage loan. Also, it may be a step after access to the financial server 100 is approved through an app or a web environment installed in the user terminal 102 . In addition, the personal property collateral loan based on the value evaluation of the resell product according to an embodiment of the present invention may be performed on the app or web environment in a non-face-to-face manner in which the financial institution and the user do not meet. However, in some embodiments, for the accurate evaluation of the re-sell product corresponding to the collateral, the user may have to send the re-sell product to the subject performing the value evaluation.

First, the user terminal 102 transmits a mortgage loan signal to the financial server 100 . That is, the financial server 100 may receive a moving property mortgage loan signal (S110).

The moving property loan signal may be a signal for requesting a moving property secured loan using a resale product owned by the user as collateral. The personal property loan signal may include at least user information and re-sell product information. Here, the user information may include personal information such as name, phone number, ID, password, identification information of a user terminal associated with the user, and financial information (eg, financial institution account information, etc.) for payment of a loan. In addition, the resell product information may include the brand of the resell product, the product name of the resell product, code, tag information, quantity, color, size, whether to use the resell product, and a photo of the resell product. Here, the tag information may be information of a tag attached to the resell product, or may be an image obtained by photographing the tag. In addition, the photo of the resell product corresponds to an image photographed by the user of the resell product. Whether to use the resell product is information that the user selects and submits, and whether to use the product may be determined again by the subject of the resell product management server 101 to be described later.

The financial server 100 identifies the user information and the resell product information in the movable real estate loan signal and performs the user's financial credit evaluation (S120).

The financial server 100 may perform a user's financial credit evaluation according to the identified user information. The financial server 100 may hold the user's financial credit information or may receive the user's financial credit information from a server (not shown) of another credit rating agency. Financial credit information corresponds to credit information considered for general collateralized loans, such as asset information such as user's deposit and savings information, other loans, and overdue information. The collateral loan executed by the financial server 100 may be executed based on the user's financial credit information, but the user's transaction information and the value evaluation information of the resell product, which will be described later, may also be considered.

The financial server 100 requests the user's transaction credit information according to the identified user information and the value evaluation information of the re-sell product according to the identified re-sell product information to the re-sell product management server (S130).

In addition, the financial server 100 may request the user's transaction credit information by providing the identified user information to the resell product management server 101 . In addition, the financial server 100 may provide the identified re-sell product information to the re-sell product management server 101 to request value evaluation information of the re-sell product.

The resell product management server 101 may generate the user's transaction credit information based on the provided user information. The resell product management server 101 may include a trading platform in which a transaction of a resell product is performed between a plurality of users, and user's transaction performance and penalty information according to the transaction may be generated. Here, the transaction performance includes evaluation of whether the transaction is performed, the frequency of the transaction, and the user, and the penalty information corresponds to a penalty added to the user as a result of trading forgery, alteration, counterfeit goods, and the like.

When the borrower (user) who applied for a loan is a user who uses the transaction platform provided by the recell product management server 101 , the user's transaction performance and penalty information may also be stored in the recell product management server 101 . The resell product management server 101 may generate transaction credit information based on the transaction performance and penalty information of the borrower who applied for a loan on the transaction platform. That is, the generated transaction credit information may include at least transaction performance and penalty information of the borrower (user). Here, the transaction credit information may further include rating information for calculating a user's rating according to the transaction performance and penalty information or scoring information for determining a score according to the transaction performance and penalty information.

In addition, the re-sell product management server 101 may perform value evaluation of the re-sell product based on the provided re-sell product information. The re-sell product management server 101 may evaluate the value of the re-sell product based on the current transaction price at which the re-sell product is traded on the trading platform.

In addition, the resell product management server 101 may evaluate the future value of the resell product in consideration of the new launch, reproduction, or specific social issue of the resell product, and the future value of the resell product is an evaluation factor of the value evaluation of the resell product. can be further considered. For example, the resell product management server 101 may crawl information about the resell product from the web server, and may evaluate the future value of the resell product based on the crawled information.

The resell product management server 101 may evaluate whether or not to use the resell product in consideration of the photograph of the resell product and whether the product has been opened. In the evaluation of the value of the resell product, the use of the resell product may be further considered as an evaluation factor. In addition, the resell product management server 101 may further perform an authenticity evaluation based on the photo, code, and tag information of the resell product. That is, in the evaluation of the value of the resell product, the authenticity of the resell product may be further considered as an evaluation factor.

In some embodiments, the re-sell product management server 101 may request the user to send in-kind for the re-sell product to determine whether the product is used or not. In addition, the user may be requested to submit a receipt for confirming the source of purchase of the resell product.

The operating entity of the re-sell product management server 101 may analyze the received re-sell product in-kind and/or receipt to evaluate whether it is used or not.

In addition, the re-sell product management server 101 may record a right relationship with respect to the re-sell product, for example, whether collateral is set, whether or not to cancel the collateral setting for each re-sell product. That is, the resell product management server 101 may provide an online registration service of the resell product. The re-sell product management server 101 may further provide information about the rights relationship of the re-sell product to the financial server 100 . Accordingly, the execution of a plurality of movable property secured loans by one resell product can be prevented.

The re-sell product management server 101 transmits the user's transaction credit information, the value evaluation information of the re-sell product, and the right relationship information to the financial server 100 .

The financial server 100 receives the user's transaction credit information, the value evaluation information of the re-sell product, and the right relationship information from the re-sell product management server (S140).

The financial server 100 determines whether or not to execute the movable property collateral loan and execution conditions based on the user's financial credit evaluation, the user's transaction credit information, the value evaluation information of the resell product, and the right relationship information (S150).

The financial server 100 is based on the user's financial credit evaluation calculated according to the identified user information, the user's transaction credit information provided from the resell product management server 101, the value evaluation information of the resell product, and the right relationship information , can determine whether to execute a personal property-secured loan and the conditions for execution.

The financial server 100 may inquire the previous loan information for the collateral by analyzing the right relationship information of the resell product, and may determine the execution and execution conditions of the movable property collateral loan based on this. For example, the financial server 100 may reject the borrower's request for executing a personal property collateral loan when information about a previous loan executed based on the corresponding collateral is inquired.

Even if the user's financial credit rating is good, if the user's transaction credit information and the value evaluation information of the resell product are low, it may be impossible to execute the movable property collateral loan. For example, if the user's history of selling counterfeit products is found through the user's transaction credit information, or if the resell product serving as collateral is evaluated as a counterfeit product, the financial server 100 rejects the borrower's request to execute a personal property security loan can do.

In addition, the execution conditions of the movable property collateral loan, for example, the loan amount, the loan period or the loan interest rate, etc. are determined according to the user's transaction credit information and the value evaluation information of the resell product. That is, when the value of the resell product is highly evaluated according to the value evaluation result of the resell product, the loan amount may be increased, or the loan period or the loan interest rate may be set as favorable conditions for the user.

The financial server 100 provides the user terminal 102 with whether or not the movable movable security loan is executed and the determined movable movable security loan execution condition (S160).

The user terminal 102 may determine whether or not to execute a movable property secured loan according to the provided conditions and request the movable property secured loan execution (S170).

The financial server 100 may receive a movable property loan execution request from the user terminal 102 and execute the movable property secured loan according to the execution condition (S180). In some embodiments, before or after the loan is executed, the resell product corresponding to the collateral is provided to the operating entity (entity, entity) of the resell product management server 101 . The resell product management server 101 may store the resell product during the loan period, and may provide a professional storage service capable of preventing damage to the resell product. When the loan period expires, when it is impossible to repay the loan, that is, when a bad loan occurs, the financial institution may dispose of the resell product stored through the resell product trading platform included in the resell product management server 101, and the loan amount will recover

The movable property collateral loan method based on the value evaluation of the recell product according to an embodiment of the present invention further considers the fair value evaluation information of the recell product and the user's transaction credit information to determine whether to execute the movable property collateral loan and the execution conditions. . That is, the borrower can receive a loan corresponding to the recognition of the fair value of the resell product owned by the borrower, and the financial institution can also make a stable loan for the collateral whose authenticity and value are recognized. That is, the mortgage loan market for the resell product may be activated by the movable property collateral loan system based on the value evaluation of the resell product according to an embodiment of the present invention.

The operation by the movable property mortgage loan method based on the evaluation of the value of the resell product according to the embodiment described above may be at least partially implemented as a computer program and stored in a computer-readable recording medium. The computer-readable recording medium includes all types of recording devices in which computer-readable data is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage devices. Computer-readable code may be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present embodiment may be easily understood by those skilled in the art to which the present embodiment belongs.

Hereinafter, with reference to FIG. 3, an online registration system of a resell product according to another embodiment of the present invention will be described.

Figure 3 shows the configuration of the online registration system of the resell product according to another embodiment of the present invention. Referring to FIG. 3 , the online registration system 11 of the re-sell product includes a re-sell product registration management unit 111 and a database unit 112 .

A system and each unit according to embodiments may be entirely hardware, or may have aspects that are partly hardware and partly software. For example, the online registration system of a resell product and each unit included therein may collectively refer to a device for exchanging data in a specific format and content in an electronic communication method and software related thereto. As used herein, terms such as “unit”, “module”, “server”, “system”, “device” or “terminal” refer to a combination of hardware and software driven by the hardware. it is intended to be For example, the hardware herein may be a data processing device including a CPU or other processor. In addition, software driven by hardware may refer to a running process, an object, an executable file, a thread of execution, a program, and the like. In addition, each part constituting the online registration system of the resell product is not necessarily intended to refer to a separate physically distinct component. Each part constituting a system or terminal is functionally divided only by the operation performed by the corresponding device, and some or all of them may be integrated in the same single device, and one or more separate units physically separated from other parts. It may be implemented as an apparatus, and may be components that are communicatively connected to each other in a distributed computing environment.

The re-sell product registration management unit 111 may generate re-sell product registration information in which rights information for the re-sell product is recorded. Here, the re-sell product may be a re-sell product evaluated as collateral according to a movable property secured loan, but is not limited thereto. Resell product registration information may be created at the request of the owner who owns it in order to record the authorized relationship of rights for the resell product in a state that is not provided as collateral.

Resell product registration information for each resell product generated by the resell product registration management unit 111 may be stored in the database unit 112 .

Specifically, the re-sell product registration management unit 111 may record the ownership, pledge, or mortgage on the re-sell product or generate re-sell product registration information to prove legal rights. The re-sell product registration information includes re-sell product title information in which information on the re-sell product itself is described, first information in which information related to ownership of the re-sell product is described, and second information in which information on rights other than ownership is described.

The resell product title information includes information about the resell product. Illustratively, it may include the brand of the resell product, the product name of the resell product, code, tag information, quantity, color, size, whether to use the resell product, and a photo of the resell product. In addition, when the value evaluation of the resell product is performed, information related to the value evaluation may also be included. That is, information on the market price traded on the trading platform, information on the future value of the resell product in consideration of the new launch, reproduction, or specific social issues of the resell product, authentication of the authenticity of the resell product, etc. may be included in the title information of the resell product.

In addition, the first information may include information related to the ownership of the resell product. The first information may include information about the owner and a cause of registration related to a change in ownership. For example, changes in ownership and provisional registration, registration of seizure, registration of provisional seizure, registration of a decision to start an auction, registration of provisional disposition prohibiting the disposition of the owner, etc. may be listed as causes of registration. In addition, the second information includes pledges and mortgages according to collateral, which are rights other than ownership, and may include establishment and change, transfer, and cancellation of pledges or mortgages.

The resell product registration management unit 111 may receive information on the collateral setting and collateral cancellation of the resell product from the financial server, and may perform the registration of pledges, setting of mortgages, or cancellation of pledges in response thereto. That is, the second information can be updated. In addition, the recell product registration management unit 111 may receive information related to the change of the owner of the recell product from the owner's terminal and update the first information.

The online registration system 11 of the recell product according to this embodiment provides a registration system for recording the right information on the ownership of the recell product and the pledge according to the collateral setting, and the recell product is to be prevented from being used as a plurality of collateral. can In other words, it is possible to understand the relationship between the rights of the resell product and ensures that a more fair trade market for the resell product is formed.

Such, the online registration system 11 of the resell product may be performed in the resell product management server 101 of the movable property mortgage loan system 10 described above. Here, the online registration system 11 of the resell product includes a resell product transaction providing unit 113 that provides a trading platform on which a transaction of a resell product between a plurality of users is performed, and a user transaction credit according to a transaction within the trading platform. It may be configured to further include a transaction credit information generating unit 114 for generating information and a resell product value evaluation unit 115 for performing a value evaluation of the resell product.

The transaction credit information generating unit 114 may generate transaction credit information based on the transaction performance and penalty information of the owner of the resell product. Here, the owner of the resell product may be the borrower who applied for a loan on the transaction platform, but is not limited thereto, and the user who requests the registration and storage of the resell product in the online registration system 11 of the resell product regardless of the loan application may be

The resell product value evaluation unit 115 may evaluate the value of the resell product. Here, the resell product may be a product that is collateral for a loan, but is not limited thereto, and may be a resell product for which registration or storage is applied for in the online registration system 11 of the resell product regardless of a loan application.

The resell product value evaluation unit 115 may evaluate the value of the resell product based on the current transaction price at which the resell product is traded on the trading platform. In addition, the resell product value evaluation unit 115 may evaluate the future value of the resell product in consideration of the new launch, reproduction, or specific social issue of the resell product, and the future value of the resell product is an evaluation factor of the value evaluation of the resell product can be further considered. The resell product value evaluation unit 115 may evaluate whether to use the resell product in consideration of a photograph of the resell product and whether the product has been opened. The resell product value evaluation unit 115 may further perform an authenticity evaluation based on the photo, code, and tag information of the resell product. In the evaluation of the value of the resell product, the use and/or authenticity of the resell product may be further considered as an evaluation factor.

In some embodiments, the re-sell product value evaluation unit 115 may request the user to send in-kind for the re-sell product in order to determine whether it is used or not. In addition, the user may be requested to submit a receipt for confirming the source of purchase of the resell product. The operating entity of the re-sell product value evaluation unit 115 may analyze the received re-sell product in kind and/or receipt to evaluate whether to use it and whether it is authentic. The value evaluation information performed by the re-sell product value evaluation unit 115 may also be included in the re-sell product registration information as re-sell product title information.

In addition, the online registration system 11 of the resell product may further include a resell product storage unit 116 . The resell product storage unit 116 may store the resell product for a certain period of time and may provide a professional storage service capable of preventing damage to the resell product. The resell product storage unit 116 may provide an appropriate temperature and humidity to block contact between the resell product and the outside and prevent damage to the shoes. Here, in the resell product storage unit 116, when the pledge is set as the collateral for the recell product as collateral for the collateral loan, the right to occupy the resell product is held by the pledgee (the operating subject of the financial server), not the owner. The pledgee may entrust the storage of the resell product to the online registration system 11 of the resell product, and the online registration system 11 of the resell product stores the resell product through the resell product storage unit 116. Resell products can be stored for a while. That is, it is possible to prevent the value of the resell product from falling due to poor storage during the loan period.

Although described above with reference to the embodiments, the present invention should not be construed as being limited by these embodiments or drawings, and those skilled in the art will appreciate the spirit and scope of the present invention described in the claims below. It will be understood that various modifications and variations of the present invention can be made without departing from the scope of the present invention.

10: Personal property-secured loan system based on the valuation of resell products
11: Online registration system for resell products
100: financial server
101: Resell product management server
102: user terminal
111: Resell Product Registration Management Department
112: database unit
113: Resell product transaction provider
114: transaction credit information generating unit
115: Resell Product Valuation Department
116: Resell product storage unit

Claims (10)

A personal property collateral loan method based on the value evaluation of recell products performed in a movable property secured loan system including a financial server, a recell product management server and a user terminal,
A financial server receiving, from the user terminal, a moving property secured loan signal for requesting a moving property secured loan using the user's own recell product as collateral, wherein the moving property secured loan signal includes at least user information and recell product information, step;
Step, by the financial server, identifying the user information and the re-sell product information in the personal property mortgage loan signal, and performing a financial credit evaluation of the user;
requesting, by the financial server, the user's transaction credit information according to the identified user information and the value evaluation information of the re-sell product according to the identified re-sell product information to the re-sell product management server;
receiving, by the financial server, the user's transaction credit information and the value evaluation information of the re-sell product from the re-sell product management server;
determining, by the financial server, whether or not to execute a movable property secured loan and execution conditions based on the user's financial credit evaluation, the user's transaction credit information, and the value evaluation information of the resell product;
providing, by the financial server, whether or not to execute the movable property secured loan and the determined movable property secured loan execution condition to the user terminal; and
and receiving, by the financial server, a request for executing a movable property secured loan from the user terminal and executing a movable property secured loan according to the execution condition of the movable property secured loan,
The recell product management server includes a trading platform in which a transaction of a recell product is performed between a plurality of users, and includes transaction performance and penalty information of users according to a transaction in the trading platform, and the transaction performance is the execution of the transaction Whether or not, transaction frequency, and evaluation of the user are included, and the penalty information includes penalties added to the user as a result of trading forgery, falsification, and counterfeit goods, and the user's transaction credit information is based on the transaction performance and the penalty information. created based on
The resell product management server crawls information about the resell product from the web server, and evaluates the future value of the resell product based on the crawled information,
The re-sell product management server is the current price of the re-sell product traded on the trading platform; the future value of the resell product; whether the resell product is used; and a movable property collateral loan method for generating value evaluation information of the resell product in consideration of the authenticity of the resell product. delete delete The method of claim 1,
The resell product management server,
Further comprising an online registration platform that records the relationship of rights to the re-sell product for each re-sell product,
Further providing the right relationship information of the resell product to the financial server,
The financial server further considers the right relationship information to determine whether or not to execute the movable property secured loan and the execution conditions. It is a movable property collateral loan system based on the evaluation of the value of the recell product including a financial server, a recell product management server and a user terminal,
The user terminal transmits, to the financial server, a movable property secured loan signal requesting a movable property secured loan using the user's own recell product as collateral, wherein the movable property secured loan signal includes at least user information and recell product information,
The financial server identifies the user information and the re-sell product information in the personal property-secured loan signal, performs a financial credit evaluation of the user, and the user's transaction credit information and the identified re-sell product information according to the identified user information Requests the value evaluation information of the re-sell product according to the re-sell product management server,
The re-sell product management server generates transaction credit information of the user and value evaluation information of the re-sell product, and provides it to the financial server,
The financial server determines whether or not to execute the movable property collateral loan and execution conditions based on the user's financial credit evaluation, the user's transaction credit information, and the value evaluation information of the resell product, and provides it to the user terminal,
The user terminal transmits, to the financial server, a request for executing a movable property secured loan according to the execution condition of the movable property secured loan;
The financial server executes a movable movable security loan according to the execution condition of the movable movable security loan in response to the movable movable security loan execution request,
The recell product management server includes a trading platform in which a transaction of a recell product is performed between a plurality of users, and includes transaction performance and penalty information of users according to a transaction in the trading platform, and the transaction performance is the execution of the transaction Whether or not, transaction frequency, and evaluation of the user are included, and the penalty information includes penalties added to the user as a result of trading forgery, falsification, and counterfeit goods, and the user's transaction credit information is based on the transaction performance and the penalty information. created based on
The resell product management server crawls information about the resell product from the web server, and evaluates the future value of the resell product based on the crawled information,
The re-sell product management server is the current price of the re-sell product traded on the trading platform; the future value of the resell product; whether the resell product is used; And In consideration of the authenticity of the re-sell product, movable property mortgage loan system, characterized in that for generating the value evaluation information of the re-sell product. delete delete 6. The method of claim 5,
The resell product management server,
Further comprising an online registration platform that records the relationship of rights to the re-sell product for each re-sell product,
Further providing the right relationship information of the resell product to the financial server,
The financial server further considers the right relationship information to determine whether to execute the movable property secured loan and the execution conditions. It is an online registration system for resell products that records the rights status of the resell products that are collateralized for loans secured by movable property.
a re-sell product registration management unit for generating re-sell product registration information in which rights information for the re-sell product is recorded;
a database unit for storing the resell product registration information; and
Including a resell product storage unit for storing the resell product for a certain period of time,
The re-sell product registration information includes re-sell product title information that is information about the re-sell product, first information including information related to ownership of the re-sell product, and second information including information related to rights other than ownership of the re-sell product including,
The online registration system of the resell product, characterized in that the resell product storage unit is configured to block contact between the resell product and the outside so as to prevent damage to the resell product. 10. The method of claim 9,
a recell product transaction providing unit that provides a trading platform on which a transaction of a recell product is performed between a plurality of users;
a transaction credit information generating unit for generating user transaction credit information according to a transaction in the transaction platform; and
Online registration system of resell products, characterized in that it further comprises a resell product value evaluation unit for performing the value evaluation of the resell product.

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