KR20050031342A - The pawn business on-line system and method - Google Patents

Abstract

An on line system and method for a pawn business is provided to develop a way of appraising goods on the Internet, and supply a pledge checking and delivering procedure by on line. A business man(102) opens a site for a pawn business by connecting a server(302) to the Internet network(301). A client(101) accesses the site and receives a desired service according to indications and menus. The business man and the client send or receive goods or money. The goods are able to be sold to customer(603) by an auction site(601). The server(302) stores member identity information, appraise information, and loan related information.

Description

The pawn business on-line system and method}

The present invention relates to a pension business, a loan business that secures pledges and pledges money in pledges, and this field was once specified, but the credit lending market has recently faced new problems and changes in social conditions. As convenience is highlighted, it is being relighted.

The financial sector began to build an on-line network early on, and now banks, insurance and securities, as well as almost all related industries are connected by a network. Recently, the most rapidly growing private financial firms are mainly engaged in the cyber space called the Internet. Mainly in

Therefore, not only pension business should develop along with this trend, but also people who are in charge of pledges should be more in need of online sales than other finances, especially in the characteristic that they are reluctant to face others.

However, unlike other financial sectors, the appraisals of the pensions are made by directly looking at the real thing and judging them. Therefore, even at this time, the customer 101 and the salesperson 102 must be directly at the offline place of business 100. Sales have to be made face to face, and in recent years, the Internet has been used to the extent that it utilizes to dispose of the genetic material by establishing an online network and a shopping mall 200 between the branches in the server 201, but still in the past in sales Offline business place 100 is used as it is.

(See Figure 1)

As mentioned above, the pension service was virtually impossible to go online with the existing method of appraisal, which requires customers to bring their goods in real life and receive counseling.

Therefore, the system of the present invention was developed to solve such a problem, that is, to develop a method of performing complex and difficult object emotions online on the Internet 301 without using the new technique, and seeing it on the Web. In addition to the awards, the loan decision will also be made here, and the entire delivery process, including collateral delivery and verification procedures, and information on genetics, will be made available to ensure that a complete non-store online pledge.

In addition, by using the information data generated in the DB (302) in this process, to provide a variety of improved information services to customers, and to computerize the office management work.

(See Figure 2)

In order to achieve the above object, the present invention proposes a pension service online system and its operation method. Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

Figure 3 is a schematic configuration of the entire system and related tasks developed in accordance with the present invention is intended to show the overall appearance of the pawn business method.

All related persons and organizations are organically connected to each other online in their central internet network 301, and the pawn salesperson 102 connects the server 302 equipped with the system to the internet network 301. Opened a pawn shop site.

And the customer 101 who wants to receive goods or loans is connected to this site through the Internet network 301, where the desired service is provided according to the menu and instructions of the system, and the sales are made. According to the procedure, if necessary, the bank 501 transfers and delivers the goods through the courier company 401. If the genetic material is generated due to unpaid loans, the genetic material is disposed of to the purchaser 603 through the auction site 601 or the market ( 602).

All information data such as membership information, goods appraisal information, and loan-related data generated in the online sales process are recorded in the system DB (302) of the server and used in each business procedure, and customer information service, office management, and report (701). It is used for work.

4 is a diagram of the business process and DB configuration of the pawn sales system according to the present invention, the detailed work of the pension business proceeds sequentially step by step and between the customer and the sales person using the DB on the web (Web) through the server located among them It illustrates the process by which communication and the creation, accumulation and exchange of information take place.

Here, the home-page is mainly responsible for communication between the two parties, and the system DB is composed of five sub-DBs that have an organic relationship with each other. The information stored here is used repeatedly in the sales process, and the report is subsequently It is also used for general office and administrative work.

As shown in FIG. 3 and FIG. 4, in the present invention, the whole process of the pawn shop is all done on-line, and all the work between the customer and the sales person takes place in the system in place of the off-line shop.

Figure 5 is a logical flow diagram of the pawn sales method according to the present invention, one pruning business occurred after the completion and shows the configuration of the whole process from the post-work to be described here in more detail in each step.

In the present invention, the process of pawn business is divided into three business areas, divided into appraisal work, loan work, and genetic material management work, and each field is composed of a step-by-step system.

The person who accesses the internet home page of this pawn shop site first wants to find out how much the items he owns are worth or are eligible for the pawn.

At this time, in the appraisal work stage ('(a)' of FIG. 5), a DB is obtained by examining and accumulating information on items for handling in advance in order to provide basic information of the appraisal work.

Therefore, the accessor searches this DB to find out whether his goods are subject to pawns, general quotes, etc. If he wants more detailed feelings or loans, he proceeds to the next step.

Now you have to get the specific feelings. From here, the service is provided only to members and identity verification is required.

According to the present invention, the method of appraisal of an object is performed on the web instead of the existing offline food appraisal. The detailed information is entered, and the appraiser who receives the information is reviewed and appraised, and in the process, the appraisal work is completed by requesting additional information and image images from the client as necessary.

If the appraisal is made within the Web site and the agreement is agreed between the two parties according to the result, the goods are delivered to the seller through the designated courier company as a collateral with the seller, and the seller delivers the collateral received. The object is entered into the loan process by checking the object. In the process of checking the object, it is also checked whether the information at the time of appraisal is false or incorrect.

In the parcel delivery process, the packing and opening are required by specially prescribed methods and procedures in order to prevent the possibility of dispute between the two parties later. Record it in the database and confirm it to the client on the web, and take measures to provide evidence if there is disagreement between the parties.

In the loan business stage (Fig. 5 (b) '), the loan procedure is completed by finally confirming the loan conditions such as the amount and maturity according to the result of the actual confirmation, registering the pledge in the DB and sending the loan. Customers can search their transaction history, pension management status, expiration, etc. recorded in the DB.

At maturity, the loan is repaid by checking whether it is repaid and the pension is returned to the customer by courier in a prescribed manner, and the work is terminated. The loan is not repaid in the genetic database and recorded in the genetic material management stage (Fig. 5). The work proceeds to '(c)').

Genetic products are disposed of according to the pre-determined disposal method, and if the auction is possible, proceed with the auction process in connection with the auction site on the Internet. Otherwise, the general distribution market or the genetic disposal market Dispose through.

The proceeds of disposal may be used to cover loans, disposal costs and accrued interest, and, if there is a surplus, may be returned to the original customer under the terms of the agreement.

All the transaction procedures and details carried out for this purpose are recorded in the DB, which is used for computerization of customer information service and office management, and the closed cases are made of computerized files and stored until the statutory retention period.

The effect obtained by this invention made as mentioned above is as follows.

First, customers can get loans online on the web without going to the sales office and face the entire loan process from identification to goods appraisal, loan, and repayment. And improved services, such as genetic information search, are available online.

Second, owners can operate non-stores, reducing costs and eliminating space constraints, increasing sales.

Third, especially in the emotional work, it is open and publicized online to dispel the fear of being distorted by old-fashioned emotions and deliberate devaluations, and contribute to the interests of consumers with fairer and more accurate valuations. It can be established as a service product, which can help increase consumer convenience and generate profit for the owner.

Fourth, the computerized data in the processing of genetic material also facilitates the connection with the Internet auction site and the like, thereby facilitating the payback.

1 is a conceptual diagram of a conventional pension business method.

2 is a conceptual diagram of a pension business method according to the present invention.

Figure 3 is a block diagram showing the overall configuration of the system according to the present invention.

Figure 4 is a diagram of the work process and system DB of the pension sales system according to the present invention.

5 is a logical flow diagram of a pension business method according to the present invention.

*** Explanation of symbols for the main parts of the drawing ***

100: offline place 101: customer 102: sales person

200: Online network and shopping mall between branches 201: Headquarters home-page

301: Internet network 302: Head office server 401: Courier

501: Bank 601: Auction Site 602: Disposal Market

603: Buyer of genetic material 701: Report

Claims (4)

In the pawn business that lends money by collateral for goods, A business owner opening a pension business site on the Internet, allowing a customer who wants to take goods and receive money to access the site; Where the customer searches the basic information DB for each item of handling items to find out whether the item he owns is subject to pawn handling and the current price trend; Logging in if the member is a member, and registering and logging in to the non-member member; An emotional task is performed by exchanging information of an object online without looking at the real thing on the Web; An online step in which loans are determined and the loans are made with collateralized items; Managing, disposing and settlement of the genetic material, which is an unsuccessful prudent; Accumulating and managing information and data generated in the process of making a pawn business in a DB while going online as described above; Providing various information and services to customers with information and data accumulated in the DB, and computerizing office management tasks; Online pawn shop method comprising the. The method of claim 1, In the step of appraisal of goods online on the web, when the customer inputs detailed information data of the object of the pawns owned by the customer in the questionnaire input window according to the questionnaire content, the appraiser receives the basic information for each item. The method is performed by reviewing the information data of the relevant items recorded in the DB and the contents input by the customer, and requesting additional information such as image and video, if necessary, appraising the object and transmitting the result to the consumer. Display and input means for displaying screens and information materials necessary in the process of conducting a pawn shop online on the Web and inputting required items on each screen; A basic information providing module for each item, which allows the customer to find basic availability data per item of the item owned by the customer in a DB prepared in advance and find out whether it is possible and value value; An appraisal task module for appraising an object by receiving the product information inputted or attached to an input window on a web and transmitting the result back to the customer; A loan service module for determining loan counseling and loan status according to the evaluation result, registering a pledge in a DB, and providing a search service of loan information such as pawn and loan details; A genetic material management module for transferring unregistered pledgeds to the genetic material DB, registering and managing changes and disposals such as disposal and settlement payments in the DB, and providing information and data retrieval service for genetic material; The pang business online is characterized by including a system database (DB) that stores the data generated in this process in an effective way to the DB, information and data management, and extracts and provides the information according to the processing device requirements system. The method of claim 3, wherein Among the DBs in the system DB, the details of the items to be handled in the pension business and detailed basic information (maker, year of birth, characteristics, price trends, etc.) of these items are recorded in advance and stored and updated frequently. A database (DB) designed for reference by customers or salespeople in the appraisal process.