KR20030040715A - Car secured loan system and method through internet - Google Patents

Abstract

PURPOSE: A system and method for a mortgage loan of a vehicle using the Internet is provided to reduce a risk of a lending institution related to a vehicle mortgage loan and enable a user to circulate a fund at low interest by receiving vehicle information and traffic accident history information from an insurance database in a vehicle mortgage loan, recognizing a price of a vehicle and repaying a principal and interest in the lending institution first of all when a security value of vehicle is fallen. CONSTITUTION: A web server(100) loads a homepage capable of being connected by users(11,12) through the Internet. A price calculation unit(150) is connected to the web server(100) and includes a program for calculating a vehicle price and a lending available amount of money based on vehicle information and traffic accident history information. An insurance database(200) is communicated with the web server(100) and integrally maintains information of a vehicle insurance subscriber, vehicle information, and a traffic accident history of a corresponding vehicle. If the users(11,12) input an identification with respect to a vehicle for the loan through the homepage of the web server(100), information with respect to vehicle information and a traffic accident history is received from the insurance database(200) and a vehicle price or a lending available amount of money is calculated by the price calculation unit(150).

Description

Car secured loan system and method through internet

The present invention relates to a car security loan system and method using the Internet, and more particularly, to a car security loan system and method using the Internet of a new structure for quickly or securely loaning or arranging a vehicle as a security through the Internet. will be.

In recent financial transactions practices in Korea, small and medium-sized companies with insufficient collateral capabilities such as real estate are not easy to borrow from financial institutions in the institutional sphere. Mortgage loan methods are widespread. However, this method of lending a mortgage-backed bond has a disadvantage in that the interest rate is higher because of the higher interest rate compared to institutional financing. There is a problem in that it is difficult to execute the security right by easily securing the collateral. In addition, the vehicle provided to the collateral has been inclined to be transferred without a legal registration process, there has been a problem that it is difficult to track the crime or traffic accidents associated with invincible vehicles socially. In addition, individuals or small business owners who secure loans for such vehicles have insufficient funds, so they only have minimum liability insurance for auto insurance, and do not subscribe to voluntary insurance, such as comprehensive insurance, which has a wider range of compensation. Due to the high tendency, sufficient compensation for victims in case of a traffic accident is difficult.

On the other hand, in the institutional financial sector, as described above, it is difficult to determine the value of a vehicle that is a collateral, and in the case of a sudden decrease in the value of the collateral due to a traffic accident, etc. Loans are not well implemented.

SUMMARY OF THE INVENTION The present invention has been proposed in view of the problems of lending through a creditor secured by a conventional automobile as described above, and a problem caused by an increase in invincible vehicles. Obtain traffic accident history information to quickly determine the value of the vehicle, and immediately determine when the value of the vehicle's collateral value falls, so that the lender can receive the principal payment first, thereby reducing the risk of the lender related to the mortgage loan. Loans can be brought into institutional financing, thereby providing a new way for customers to finance their loans at low interest rates.

1 is a block diagram of a system of the present invention

2 is a flow chart of the method of the present invention

3 is a flow chart of a method of another embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

11. Customer User 12. Loan Institution User

100. Web server 150. Value calculation means

200. Insurance database

According to one feature of the present invention, a web server 100 in which a homepage accessible by users 11 and 12 is accessible through the Internet, and connected to the web server 100 and based on vehicle information and traffic accident history information. Value calculation means 150 with a program for calculating the vehicle value or the loanable amount, and the web server 100 and the integrated information can be communicated with the personal information, vehicle information and the history of the traffic accident of the vehicle insurance subscribers. The insurance database 200 is maintained, and if the user 11, 12 inputs identification information about the vehicle to be provided to the collateral through the homepage of the web server 100, the insurance database 200 A person using the Internet, which obtains vehicle information and information on a traffic accident history, and calculates a vehicle value or a loanable amount by the value calculating means 150. The primary mortgage system is provided.

According to another feature of the invention, the user (11, 12) accessing the homepage of the web server 100 via the Internet and inputting identification information for the vehicle to provide to the collateral (S1),

From the web server 100 to access the insurance database 200, which maintains the personal information of the car insurance subscriber, vehicle information and information about the traffic accident history of the vehicle, vehicle information and traffic accident history for the vehicle Obtaining information about (S2),

Calculating a vehicle value or a loanable amount in the value calculating means 150 connected to the web server 100 based on the vehicle information and the traffic accident history information obtained from the insurance database 200 (S3),

Transmitting and receiving data on the calculated vehicle value or loanable amount of the vehicle between the web server 100 and the users 11 and 12 (S4),

There is provided a car security loan method using the Internet, including.

According to another feature of the invention, if the data on the traffic accident after the loan of the vehicle provided as collateral is updated in the insurance database 200, the updated information is obtained through the web server 100 to calculate the value The method 150 further includes a step S5 of calculating a vehicle value or a collateral value and transmitting information about the vehicle value or the collateral value to the user 12.

Hereinafter, with reference to the drawings will be described a preferred embodiment of the present invention. 1 is a schematic structural diagram of a system implementing a method according to the present invention, and FIG. 2 is a flowchart showing a method of realizing it.

As shown, the vehicle security loan method according to the present invention, the customer user 11 who wants to secure the loan as a vehicle and the loan agency user 12 to provide the loan as the user of the present invention through the Internet Can be connected to the web server 100. In addition, the web server 100 includes an insurance database 200 which collectively maintains personal information about a plurality of auto insurance subscribers, vehicle information, and traffic accident history, types of insurance and subsidiary insurance companies. ) Is connected via the Internet or a dedicated line. The insurance database 200 may be, for example, a comprehensive insurance information DB centrally managed by an insurance development agency or the like, or a DB of an insurance company connected to and sharing information. The web server 100 may be a value. The calculation means 150 is connected. The value calculating means 150 is composed of a program or a server that calculates the value of the vehicle or the loanable amount or collateral value to which a predetermined rate is applied based on the vehicle information and the traffic accident history information.

Referring to the method of car security loans of the present invention implemented through such a system is as follows.

First, a customer user 11 who wants to secure a loan as a mortgage of a vehicle or a loan institution user 12 who has been requested by the customer 11 accesses the homepage of the web server 100 through the Internet and provides it to the mortgage. Input identification information for the vehicle to be performed (S1). At this time, the users 11 and 12 input the vehicle identification number, the vehicle registration number or other appropriate information for identifying the corresponding vehicle as the vehicle identification information.

Next, the web server 100 accesses the insurance database 200 through the Internet or a dedicated line to obtain detailed vehicle information, traffic accident history information, insurance subscription details, and the like (S2). At this time, the web server 100 in the insurance database 200, more detailed information about the vehicle and its owner, for example, the model, year, vehicle option status, personal information of the owner, the number of accidents and damage of the accident, the insurance You will be able to obtain the contents and information of the insurance company.

Next, the value calculation means 150 connected to the web server 100 calculates the value for the vehicle based on the detailed and specific vehicle information obtained from the web server 100 (S3). The value calculation means 150 has a value calculation program built-in, and used car on the basis of data on the estimated evaluation amount in the used car market for the corresponding model, the depreciation rate according to the number of years of use, the depreciation rate in consideration of the number of traffic accidents and the degree of damage. Reflecting the estimated price of the market, the depreciation rate according to the age of use, or the depreciation rate due to a traffic accident, the vehicle value for the vehicle and the loanable amount with a predetermined rate applied to the vehicle value for each lender are calculated. At this time, if necessary, the state of the vehicle may be checked through the visual inspection of the vehicle and may be reflected in the vehicle value calculation.

Next, the web server 100 transmits specific vehicle information about the vehicle, data about a vehicle value or a loanable amount, to the users 11 and 12, or conversely, the users 11 and 12 transmit the web server 100 to the users 11 and 12. Access to obtain the corresponding data (S4). Then, if the user is a loan institution user 12, it is possible to determine whether the loan for the customer or the vehicle and the amount of the loan based on the information obtained. If the user is a customer who the customer 11 wants to obtain a loan, the user may obtain information on the amount of loans available from the evaluation amount of the vehicle and the lender, and contact the available lender. The customer and the lender are then in a state where they can negotiate or enter into a loan. The actual conclusion of the loan agreement and the payment of the loan can be made either online or offline. When the loan contract is concluded, the vehicle security right is set and registered with the vehicle registration office.

In addition, according to the present invention, as shown in Figure 3, after the loan is made through the above-described method, the vehicle provided to the collateral is subjected to a traffic accident, the information about the traffic accident and the degree of vehicle damage insurance When the information is updated in the traffic accident history in the database 200, the web server 100 obtains it, recalculates the vehicle value or the collateral value, and transmits the updated information to the users 11 and 12. It includes (S5). Then, the lending institution user 12 can quickly obtain the traffic accident information of the customer, thereby identifying the damage to the collateral value of the vehicle as a collateral, a part of the principle from the compensation and other compensation to pay to the customer at the insurance company Alternatively, you can easily repay all of your preferences, reimburse you directly, or change your agreement to meet your needs. At this time, under the agreement, the insurance company may pay the loan company directly with the amount to be repaid as the principal of the loan company.

According to the present invention described above, the customer can quickly determine the correct and fair value of his vehicle, and based on this, there is an opportunity to obtain a loan at a low interest rate from the lender, which is a financial institution in the system area, with the vehicle as collateral. It can be enlarged, and the invincible vehicle can be reduced by that amount. From the perspective of the lender, it is possible to quickly determine the vehicle information and the traffic accident history information of the customer from the insurance database, the vehicle value or the available value of the loan and determine whether the loan is based on accurate data. In addition, if the vehicle secured by the loan is damaged due to a traffic accident and the collateral value of the collateral is damaged, information on this information can be obtained promptly, and all or part of the loan principle can be preferentially reimbursed from the insurance money to be paid by the vehicle accident. Therefore, there is an advantage that bond management becomes easier. In addition, in some cases, if the customer does not have insurance or only liability insurance, it is possible to induce a subscription to comprehensive insurance, etc. on the condition of obtaining a loan using the system. The problem of not receiving can be solved.

Claims (3)

Web server 100, which is loaded with a homepage accessible by users 11 and 12 through the Internet, and a program that is connected to the web server 100 and calculates a vehicle value or loanable amount based on vehicle information and traffic accident history information. The built-in value calculation means 150 and the insurance database 200 which can communicate with the web server 100 and integrally maintains personal information of the automobile insurance subscriber, vehicle information, and information on the history of traffic accidents of the vehicle. When the user (11, 12) inputs the identification information for the vehicle to be provided to the collateral through the homepage of the web server 100, vehicle information and traffic accident history from the insurance database 200 Obtaining information on, the vehicle security loan system using the Internet, characterized in that for calculating the vehicle value or loanable amount by the value calculation means (150). Step (S1) in which the users 11 and 12 access the homepage of the web server 100 through the Internet and input identification information about the vehicle to be provided to the security; From the web server 100 to access the insurance database 200, which maintains the personal information of the car insurance subscriber, vehicle information and information about the traffic accident history of the vehicle, vehicle information and traffic accident history for the vehicle Obtaining information about (S2), Calculating a vehicle value or a loanable amount in the value calculating means 150 connected to the web server 100 based on the vehicle information and the traffic accident history information obtained from the insurance database 200 (S3), Transmitting and receiving data on the calculated vehicle value or loanable amount of the vehicle between the web server 100 and the users 11 and 12 (S4), Car security loan method using the Internet, characterized in that it comprises a. According to claim 2, When the data on the traffic accident after the loan of the vehicle provided in the security is updated in the insurance database 200, the updated information is obtained through the web server 100 and the value calculation means 150 Calculating a vehicle value or a collateral value, and transmitting the information about the vehicle value or the collateral value to the user 12 (S5).