KR20020001640A - Method and apparatus for pawnbrokeraging using internet - Google Patents

Abstract

PURPOSE: A method and a device for transacting a security loan on the Internet is provided to perform a security loan transaction in an under direct managed store or a member store located remotely from a server system. CONSTITUTION: A load consumer who wishes to receive a loan on security supplies a security to an under direct managed store or a member store and the supplied security is judged(202). A server judges whether the load consumer is a member or not(203). If the load consumer is a member, a lending transaction is performed(205). After the lending, if an extension is needed by checking a repayment scheduled date(206), the repayment scheduled date is extended(207). If the loaned money is repaid at the final repayment scheduled date or in advance(209), the under direct managed store delivers the security to the load consumer(216). If the loaned money does not repaid by the final repayment scheduled date, it is decided whether the security is sold or auctioned(210).

Description

Mortgage Loan Transaction Method and Transaction Device on the Internet {METHOD AND APPARATUS FOR PAWNBROKERAGING USING INTERNET}

The present invention relates to a secured loan transaction method, and more particularly, to a transaction method and apparatus for allowing a secured loan transaction to be made through the Internet.

In recent years, the use of the Internet has been active. Accordingly, a number of loan transaction businesses using the Internet have been proposed. Here are some examples of loan transactions using the Internet. For example, a conventional loan transaction method using the Internet may be a loan transaction method provided by accessing a bank or a financial institution over the Internet. This loan transaction method is difficult to respond to the need for power supply. In addition, users who do not have real estate or human security to the extent required by financial institutions are unable to borrow or are difficult to process. In particular, even in the case of poor credit, it was difficult to loan through a financial institution was a lot of inconvenience.

It is an object of the present invention to consider such a problem of the prior art to provide a method for collateral loan transactions over the Internet.

Another object of the present invention is to provide a method for performing a secured loan transaction at a retail store or an agency located at a distance from a server system. Specifically, a method of evaluating collateral on a network based on a value estimation database of goods to calculate a loan amount and providing a transaction method for immediately lending at a retail store or an affiliated agency.

It is still another object of the present invention to provide a transaction method of selling or auctioning a security product on a network for an unpaid loan.

1 is a block diagram of a system for implementing a security loan transaction method on the Internet according to an embodiment of the present invention

2 is a flow chart of a security loan transaction method on the Internet according to an embodiment of the present invention.

3 is a detailed flowchart of a loan step of the transaction method of FIG.

4 is a detailed flowchart of loan repayment and redemption extension step of the transaction method of FIG.

5 is a detailed flowchart of a repayment due date notification step of the transaction method of FIG.

6 is a detailed flowchart of the ownership transfer step of the collateral of the transaction method of FIG.

FIG. 7 is a detailed flowchart of the sales step on the Internet of the unpaid collateral goods of the transaction method of FIG.

8 is a detailed flowchart of the auction phase on the Internet of unpaid collateral of the transaction method of FIG.

9 is a detailed flowchart of a process of selecting a successful bidder in the auction stage of FIG.

FIG. 10 is a detailed flowchart for explaining a processing step in the case of unpaid bank transfer during the settlement process of FIGS. 7 and 9;

11 is a detailed flowchart illustrating the delivery process of the goods of FIGS. 7 and 9;

12 is a detailed flowchart of a process of registering the unpaid collateral article of FIG. 2 as an auction article or a sale article;

FIG. 13 is a detailed flowchart of a process of registering a store in the security loan server of FIG.

FIG. 14 is a detailed flowchart illustrating a process of registering an operator of a store in the security loan server of FIG. 1. FIG.

FIG. 15 is a detailed flowchart illustrating a process of verifying an appraisal of a collateral goods made at a dealership in the transaction method of FIG. 2. FIG.

FIG. 16 is a detailed flowchart illustrating a process of calculating a loan limit for an agency in the transaction method of FIG.

17 is a detailed flowchart illustrating a process of appraising a collateral article on the Internet in the transaction method of FIG.

The present invention provides a method and apparatus for evaluating the value of the collateral to calculate the amount of loans and to secure the loan through a retail store or an agency, and to process unsold items by sales or auction on the Internet.

According to an aspect of the present invention, a security loan transaction method using a client computer connected to a server computer and a network,

Receiving an appraisal amount of the security item of the borrower's collateral transferred to the store where the transaction is made from the client computer;

Determining a loan amount based on the appraisal amount;

Transmitting a loan payment electronic document to deliver the loan amount to a consumer;

There is provided a secured loan transaction method comprising the step of transmitting an electronic document for outputting the receipt of goods paid to the loan consumer.

In a preferred embodiment, if the cumulative total loan amount of the store including the loan amount determined based on the appraisal amount exceeds a preset limit of the store, transmitting a non-loanable electronic document,

Otherwise, sending a loan payment electronic document to deliver the loan amount to the consumer;

Sending an electronic document for outputting the receipt receipt of goods paid to the loan consumer to perform.

According to another aspect of the present invention, a computer having a processor and a storage device, connected to the client via a network,

A program is stored in the storage device, and the program is provided with a computer which causes the processor to perform the steps included in the above method.

According to another aspect of the present invention, a program provided in the processor of a computer having a processor and connected via a network with a client, the program is provided for operating the processor to perform the steps of the transaction method.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. In order to describe the embodiments of the present invention, terms are used as follows.

(1) Loan Consumer: A consumer who wants to borrow a loan as collateral

(2) Loan interest rate: The interest rate calculated differentially according to the creditor's credit rating

(3) Loan approval: Procedure for verifying collateral and loan amount

(4) Repayment: The borrower pays the loan amount and interest

(5) Transfer of Ownership: Refers to the ownership of a collateral at a retail store if the loan amount is not paid on the repayment date.

(6) Cashback: The return of a certain amount of sales to a loan consumer in case of the sale of the transferred goods.

(7) Mileage (Reserve): Virtual money is accumulated when purchasing goods through sales and auctions, and can be used together with cash when purchasing goods.

(8) Directly operated by the head office, the agent manages the agent, approves the loan amount of the agent, and collects collateral goods from the agent.

(9) Dealer: Contracted in the form of franchise by deposit, and is in charge of appraisal work and loan request work by connecting to the retail store and the Internet.

1 illustrates a system for performing a mortgage transaction on a network according to an embodiment of the present invention (in the present embodiment described as being made on the Internet, which is a kind of network, but the present invention is not limited thereto). In this system, the server computer 20 which manages a transaction is provided. The server 20 is connected to a client computer 30 of a retail store and a client computer 40 of an agency through the Internet. Loan buyers can trade through retail stores or agents. The loan consumer may make a necessary transaction by directly accessing the server computer 20 with his client computer 50. On the other hand, the buyer who wants to purchase the unpaid and transferred collateral goods can be purchased or participated in the auction by connecting to the server 20 using the purchaser client 10 through the Internet.

The server 20 has a processor and a storage device. Memory is connected to the processor. The server 20 includes a display device and an input device connected to a processor. The processor is connected to communication equipment such as a modem to provide communication with the outside. On the other hand, the storage device stores a program for performing the processes shown in Figs. 2 to 17 to function as a secured loan transaction server. These programs either reside in memory or are stored in memory as the processor progresses to perform a mortgage transaction. On the other hand, the storage device is provided with a database. The database stores member information, agency information, retail store information, unpaid collateral and sales information.

In the present embodiment, it will be described that each of the direct stores takes the form of managing a distributor, having a direct store that is separated from the head office of the company that performs the mortgage transaction but functions as a branch of the company. However, the present invention is not limited thereto, and it will be readily understood by those skilled in the art that the server 20 may be configured to manage a distributor at the head office of the company without a separate shop.

The database in storage is divided into a section for Internet mortgage lending, a section for auction and sales, and a section for managing agencies. Each of the following databases may be provided.

Mortgage Loan: It consists of a goods appraisal database for collateral appraisals, a loan customer database to manage loan customers, a collateral product database to manage collateral items at the time of loan, and a loan database to manage loan amount.

Auction and Sales section: Auction database for auction start and auction deadlines, a bidder database for successful bidders, a sales database for selling, a payment database for payment, a mileage database for earning mileage based on payment amount, In this case, it consists of a cashback database for returning a certain portion of the sales amount.

Agency management part: It consists of agency database for agency management and loan limit database for limiting the loan limit of agent.

For example, what data will be stored in the database will be described in detail as follows.

* Database 1

(a) Name: Customer

(b) Saved information: Resident registration number, name, home post code, home address, home phone number, company post code, company address, company phone number, mobile phone, E-Mail, actual birthday, yin and yang, job code, hobby code, Anniversary, number of children

(c) Others (Usage, etc.): For customer management

Database 2

(a) Name: credit rating

(b) Stored information: credit rating pk (pk is abbreviated below as primary key), customer social security number, credit rating code, remarks

(c) Others (Usage, etc.): for managing customer credit

Database 3

(a) Name: Collateral

(b) Stored information: Collateral pk, category code, brand code, loan pk, collateral NO, cost, appraiser, loan price, item status code, appraisal details, date of release

(c) Others (Usage, etc.): For the registration of collateral, management of collateral such as internet appraisal

Database 4

(a) Name: Loan

(b) Saved information: loan pk, loan date, loan NO., loan, interest rate, expected date of repayment, loan status code, payment method, bank code, account number, account holder, payment date

(c) Others (Usage, etc.): For loan management

Database 5

(a) Name: Payment of Repayment

(b) Saved information: Payment pk, Payment date, Loan pk, Payment classification, Payment amount, Bank code, Name of payer

(c) Others (Usage, etc.): For repayment payment processing

Database 6

(a) Name: Supplier

(b) Stored Information: Supplier pk, Supplier Classification, Supplier Number, Business Name, Contact Name, Postal Code, Address, Phone Number, Fax Number

(c) Other (use, etc.): for supplier management of auctions or sales merchandise

Database 7

(a) Name: Goods

(b) Stored information: Commodity pk, supplier pk, collateral pk, supply classification code, registration date, category code, brand code, model number, product number, product name, supply price, selling price, store code, item rating code, status code, Description, Product Name, Path of Large Image File, Path of Small Image File, Video File Path, Appraisal File Path, Case

(c) Others (Usage, etc.): For the management of goods for sale or auction (including unpaid collateral)

* Database 8

(a) Name: Category

(b) Saved information: category code, category name, short code name

(c) other (use): for constructing data for the appraisal of collateral on the Internet

Database 9

(a) Name: Brand

(b) Saved information: category code, brand code, brand name, short code name,

(c) other (use): for constructing data for the appraisal of collateral on the Internet

Database 10

(a) Name: Employee

(b) Stored information: employee number, name, resident registration number, date of employment, date of resignation, title, title, postal code, home address, home phone number, mobile phone number, password, rule code, store code.

* Database 11

(a) Name: Agent

(b) Stored Information: Store Code, Store Name, Business Registration Number, Established Date, Closed Date, Store Classification, Postal Code, Address, Phone Number, Fax Number, ID, Password, Loan Amount, Limit, Agency Operator

Database 12

(a) Name: Sales

(b) Saved information: sales pk, buyer social security number, sales date, sales code, sales number, buyer id

Database 13

(a) Name: Sales Details

(b) Saved information: sale list pk, sale pk, product pk, price, tax

Database 14

(a) Name: Auction

(b) Saved information: auction pk, product pk, auction classification, auction number, auction start date, auction end date, auction start, auction upper limit, bid price unit

* Database 15

(a) Name: Auction Bidding

(b) Saved information: bid pk, auction pk, bid date, bid number, bid price, bidder id, bid status

* Database 16

(a) Name: Successful bid

(b) Saved information: successful bid pk, bid pk, auction pk, notification whether, notification date, payment method

* Database 17

(a) Name: Payment

(b) Saved information: Payment pk, payment date, payment category, successful bid pk, sales pk, card code, card number, effective year, effective month, authorization number, card error code, payment status code, processing date, bank code, Amount of payment

Database 18

(a) Name: Retail Store

(b) Stored information: store code, store name, direct division, telephone number, address, fax number, store operator, number of employees, etc.

Database 19

(a) Name: Store performance of a distributor or retail store

(b) Saved information: store achievements pk, date, store code, product code, customer code

Database 19

(a) Name: Shipping

(b) Saved information: delivery pk, delivery date, payment pk, postal code, address, phone number, recipient's name, message, delivery status code, orderer's name, orderer's phone number, orderer's e-mail, orderer Zip code, order address, and delivery date

Database 20

(a) Name: Membership Management

(b) Saved Information: ID, Password, Social Security Number

1 and 2, a loan consumer who wants to receive a mortgage loan provides a collateral to a retail store 30 or an agency 40 to receive a collateral loan and is evaluated the collateral (202). The server 20 determines whether the loan demander is a member (203), and if not a member, joins the member (204) through a membership registration process. Thereafter, a loan transaction is performed (205). The collateral of the dealer is transferred to the shop. After the loan, if it is necessary to confirm (206) on the repayment scheduled date, the repayment expected date is extended (207). If the loan is repaid on or before the date of the final repayment (209), the retailer (which is the store of the company that provides the mortgage transaction) delivers the collateral to the loan consumer (216) and the transaction ends (217). If the loan demander fails to repay the loan by the scheduled date of repayment, it is determined whether to sell or secure the collateral (210). If the sale (212), the buyer pays the sale price (215) after the delivery of the unpaid collateral (216) and the transaction is terminated (217). Once auctioned (211), the Meridian pays (215), delivers the unpaid collateral (216) and the transaction ends (217).

1, 2 and 3, in order to receive a secured loan, the loan consumer provides the collateral to the agency 40. The agency evaluates the collateral (302). By looking at the collateral and determining whether to loan (303), if the loan can not be loaned as a result of the evaluation, the service is terminated (321). If it is determined that the loan is possible, the agency operator connects to the server 20 with his client computer 40 and logs in 304. The agency operator inputs the loan amount (305). The server 20 compares the loan amount with the loan amount that is currently allocated to the agent and compares it with the remaining loan amount. If the loan amount exceeds the limit amount, the server 20 logs in again and receives the loan amount less than the limit amount. If you do not log in, it is terminated (321). If the amount entered is less than the loan limit, the loan is possible, so it is checked whether the loan demander is a member (308). If the loan demander is not a member, the member is registered (309), the basic rate is applied to the loan and stored in the server (312). If the loan demander is an existing member, the loan history and credit information recorded in the server 20 are inquired (310), and if the rating is low according to the credit rating, the basic rate is applied (312), and if the rating is high, the low interest rate is applied. (313). After the interest rate is set in the server 20 according to the credit status, the server 20 calculates the interest on the loan (314). Then, the loan history is stored and registered in the server 20 (315), and the total loan amount of the agency where the loan demander makes a transaction is increased (316) and stored in the agency database. Finally, the loan history is confirmed, and the server 20 requests a server computer of a financial institution such as a bank to deposit from the company's account to the loan consumer's account, and notifies the loan consumer and the distributor that the loan processing is completed (i.e., To the client computer of the agency) (317). The client computer of the agency prints the secured details (318) and issues a receipt (319), thereby terminating the secured loan service procedure (320).

4 is a detailed flowchart of loan repayment and redemption extension step of the transaction method of FIG. Referring to Figure 4, the loan consumer accesses the service server 20 over the Internet on or before the scheduled repayment date (402) and inquires the loan details (403). If the loan consumer wants to extend the repayment due date (404), the server determines whether it is possible to extend the repayment due date according to a predetermined criterion (405). If the extension is possible, ask the loan consumer to pay the extension interest on the loan, check whether or not the company's account is deposited through the network (407), then extend the repayment scheduled date (409), and terminate (411). However, if the server determines that the loan consumer's scheduled repayment date cannot be extended, according to a preset criterion, the server asks the loan consumer whether to repay the loan (406). If the loan demander is unable to repay the loan, it is recorded in the corresponding loan transaction file in the database of the loan demander of the server and ends (414). Otherwise, if repayment of the loan is possible, request payment of the loan principal and interest, check through the network whether the money has been deposited into the company's account (or have received an electronic document from the agency) (408) and complete the repayment process. This is recorded in the server's database (410). Thereafter, the server 20 transmits the information for delivering the security goods to the loan demander to the client computer of the retail store. The retail store delivers the collateral (412). After the loan transaction is completed, the creditor's credit rating is evaluated (or re-evaluated) (413), stored in the credit information, and then terminated (414).

The process of notifying the loan consumer of the expected date of repayment of the loan is shown in FIG. The service server 20 checks the repayment due date of the loan demander every day to check whether the repayment due date is three days remaining (502), and notifies the repayment due date by e-mail to the loan demander at the remaining three days (503). In operation 504, the loan consumer does not forget the scheduled repayment date.

6 shows a case in which the loan demander exceeds the expected date of repayment without repayment. The server 20 confirms that the loan consumer's loan repayment due date is one day later (602), and if the repayment process as shown in FIG. 4 has not been performed, the collateral of the member is recorded in the unpaid collateral security database, Process the previous processing (603) and then terminate (604). The collateral transferred the ownership is auctioned on the e-commerce or the Internet as described below, and is cashed.

The transferred collateral is sold on the Internet, and FIG. 7 shows the selling process on the Internet. The purchaser connects to the service server 20 through the Internet and checks a list of items for sale (702). The buyer may select the view of the details of each item to output the details to check (703) and if you want to buy the item, you can put in the cart or order (704). Once the buyer has selected the item in the cart (706), the item is stored in the buyer cart and the details of the cart are output (707). By viewing the output, the buyer may place an order immediately or move to an initial list of sales items 702. The buyer may order directly without putting the goods in the cart. When ordering items stored in the cart, or when ordering a single item member login (709), the orderer information is automatically entered (710), if the non-member directly enters the orderer information (711). Then, a destination to receive the ordered goods is input (712), and a payment method for goods is selected (713). Payment methods include credit card payment method (715), bank account payment method (716), and reserve (mileage) payment method (714), the reserve payment method is a cash-like item by earning a certain amount in proportion to the service usage history It can be used as a price. After the payment method is selected, a certain percentage of reserves are accumulated according to the goods (717). The server sends an electronic document to the shop that stores the goods so that the sold goods are shipped. Check that the price of the sold item exceeds the principal and interest of the loan consumer (718), return the excess amount to the loan consumer, the original owner of the item, and end the operation 720.

The procedure in which the goods are auctioned will be described with reference to FIG. The purchaser connects to the service server 20 via the Internet (802) and checks the list of goods sold (803). The buyer selects (804) the details view of the item to be purchased through the auction and outputs the details (805). After checking the bid history list (807) and participates in the bidding (808) and goes to the member login process to participate in the bidding (809). If the amount presented by the buyer is lower than the highest amount (final bid) of other members registered, the process returns to the bidding process (811). If the suggested amount is higher than the registered amount, it is updated and registered with the final bid amount (812), and if the presented amount is higher than the bid upper limit of the item, the successful bidding process (814) and ends (815). If not, only the final bid amount is registered (812) and waits for others to participate in the bid (815).

When the auction period has passed, the process of selecting a successful bidder and paying for the goods will be described with reference to FIG. If the auction period has passed or the bid is higher than the upper limit (903), if there is no bidder (905), if there is no, regenerate the auction case with the same article (904), and ends (902). If there is a bidder, a buyer registered as the final bid amount is selected as a successful bidder (906) and the successful bid is notified (907). The buyer selected as the successful bidder inputs a destination to receive the goods (908), and the following process is performed in the same manner as the following procedure for determining the payment method for the goods in the goods sale process of FIG.

The procedure of receiving payment by the payment of the bank account and the meridians will be described with reference to FIG. The payment is confirmed (1003) by referring to the list of bank account deposit details (1002). When the deposit is confirmed, the record is corrected to accumulate a certain amount of money as a reserve (1004) and the operation ends (1005).

11 shows the delivery procedure of the collateral to be repaid and the goods to be sold and auctioned and delivered to the buyer. The shipping list data is received (1102) and printed (1103). According to the delivery list, the delivery is to be made and whether the person in charge to enter the delivery (1106), if the complete delivery from the server is stored in the delivery list as complete delivery status (1108). If the delivery is not complete, the server sends an e-mail to the recipient (1105), corrects the delivery destination information (1104), and repeats the delivery procedure.

The procedure of transferring ownership of the unpaid collateral goods or selling or auctioning the goods to the agency service will be described in detail in FIG. 12. In the case of the transferred item 1202, the item is deleted from the list of the collateral goods database (1203), and the grade and price of the item are calculated and input (1204). The items to be sold or auctioned are sorted according to the type of goods (1205), and the goods to be sold are registered and stored as sale items (1206) and finished (1209). The item to be auctioned is registered and stored as an auction item (1207), generates an auction case to proceed as shown in Figs. 8 and 9 (1208), and ends the operation (1209).

A process of accessing the service server 20 and registering a retail store and an agency will be described with reference to FIG. When connecting to the service server 20 through a retail store or a distributor computer, it is asked whether it is a retail store or a distributor (1302). If it is entered as a shop, it registers as a shop (1304) and ends (1306). If the agent is inputted, the associated uppermost retailer is selected from the list (1303), registered with the server as the agency (1305) and ends (1306).

In one embodiment of the present invention, the initial operation cost can be reduced by constructing a model that introduces an existing jeweler to the distributor of the head office in order to overcome local narrowness and minimize risk and maintain a stable financial structure. Agents accept loans, appraise goods, request loan payments through the internet at retail stores, and keep them until the goods are collected at retail stores, and if the loan is approved, a receipt is issued to the loan consumer according to the loan contents. .

Under the head office, there is a local retail store to recruit and manage loan agents. The retailer will report the loan details sent from the dealership and notify the dealer that the loan is not approved or loaned according to the total limit of loans for each dealership set up to prevent financial accidents. If approved, the borrower deposits the loan amount, for example, by online deposit into the consumer account. In the retail store, if the collateral goods are collected from the dealer, the internal evaluation is performed, and if there is no problem, the loan amount of the collected collateral is subtracted from the total loan amount so that the dealer can continue the loan business (see FIG. 15). Retail stores increase or decrease the total loan limit by evaluating the agent based on the agent's loan performance. (See Figure 16)

The registration procedure of the operator of the agency or retail store will be described with reference to FIG. The operator of each agency or retail store may be a person who performs appraisal, etc. of goods, and may be several people in one store. When accessing the service server 20 through the Internet, the operator to be registered is sent to the client computer connected to confirm whether the person in the shop (1402), if the shop operator to select the shop in the list (1404), the operator As a registration (1405) and ends (1406). If the person is an agent, the agent presents a list of agents to select the agent (1403), registers the employee (1405), and ends (1406).

When the borrower comes to the dealership with the collateral goods, the agent first evaluates the item, determines the loan amount, and asks the retailer for approval. The collaterals entrusted are collected at the retailer, which is then re-evaluated. The revaluation procedure for the collateral received from the loan consumer will be described with reference to FIG. The second evaluation of the collateral received the first evaluation by the agent to check the adequacy of the emotion (1502) and records the result in the server. If it is recognized that the appraisal has been processed normally, the amount of the loan amount through the agency is increased by storing a portion of the amount stored as the total loan amount of the agency (1505) and ending (1506). If it is determined to be abnormally assessed, the reevaluated details (i.e. amount) are stored on the server (1503), the credit rating for the agent is reevaluated and stored on the server (1504), and the total loan amount of the agent is increased and loans are available. The amount of money is reduced and stored (1505). Then it ends (1506).

On the other hand, in order to prevent the risk of false emotions in the agency can provide a database for the emotion. The basic data necessary for the evaluation include the loan status of the existing lender, the evaluation result of the collateral generated after the processing of the loan business, and the processing result of the unpaid collateral. It is stored in a separate database. A reseller can search for loan collateral imported by the buyer and compare the photos stored on the server. This emotion process will be described in detail with reference to FIG.

Referring to Fig. 17, when a borrower brings a collateral to be provided, the dealer connects to the service server 20 on the Internet using a client computer. After accessing the service server 20, the loan consumer selects a category of the item to be presented as collateral (1702). Then, the brand is selected (1703) and the characteristic is input (1704). The database is searched (1705), and if there is data that matches the input data, it is outputted (1707) and terminated (1710). If it does not exist, the item information is input (1706), the appraisal is performed at the retail store, and the result is transmitted by e-mail (1708). The appraisal result of the new item is stored in the database (1709). This appraisal may be preliminarily performed by the loan consumer by directly connecting to the server through a computer.

The process of borrowing or repaying a loan as collateral is described in detail in FIG. It is determined whether the loan consumer requests a loan, directly repays and collects the item (1602), and opens a desired menu. In the case of a loan request, it is first determined whether the current total loan amount of the agent exceeds the limit allocated to the agent (1604). If the total loan amount exceeds the limit, a notice of exceeding the limit is made to the agency computer (1607) and ends (1608). If the total loan amount does not exceed the limit, the loan is paid (deposit into the account of the loan consumer) (1605), the loan amount currently paid to the total loan amount of the agent is added and stored as the total loan amount (1606), and the process ends (1608). When the borrower collects the collateral, the total loan amount minus the loan amount of the collected goods is stored as the total loan amount of the new agency (1603) and ends (1608).

Although the present invention has been described with reference to the above embodiments, the present invention is not limited thereto. Those skilled in the art will appreciate that modifications, changes, and the like may be made without departing from the spirit and scope of the present invention, and such modifications and changes also belong to the present invention.

According to the above configuration of the present invention, by bringing the existing mortgage service online and combining the online sales and auction relaying technology of the unpaid goods, 1) users who are difficult to receive the existing loan service calculate the value of the collateral through the Internet Loans can be easily borrowed, and 2) the property transferred as collateral or the agent registered as agent sales can be easily sold and auctioned through the Internet. When configured as a server system of the present invention, since the appraisal and loan through the agency is possible, the franchise is possible.

Claims (4)

A secured loan transaction method using a client computer connected to a server computer through a network, Receiving an appraisal amount of the security item of the borrower's collateral transferred to the store where the transaction is made from the client computer; Determining a loan amount based on the appraisal amount; Transmitting a loan payment electronic document to deliver the loan amount to a consumer; And transmitting an electronic document for outputting the receipt of the goods paid to the loan consumer. The method of claim 1, further comprising: transmitting a non-loanable electronic document when the cumulative total loan amount of the store including the loan amount determined based on the appraisal amount exceeds a preset limit of the store, Otherwise, sending a loan payment electronic document to deliver the loan amount to the consumer; And sending an electronic document for outputting the receipt of goods paid to the loan consumer. A computer having a processor and a storage device and connected to a client through a network, A program is stored in the storage device, and the program causes the processor to perform the step of claim 1 or 2. A program having a processor, the program being executed in the processor of a computer connected through a network with a client, the program operating the processor to perform the steps of claim 1 or 2.