KR20060106082A - Method and system for automobile loan insurance guarantee - Google Patents

Abstract

The present invention relates to a vehicle loan insurance guarantee method and a system thereof.

The present invention provides an insurance product that includes a guarantee insurance for the loan shortage when a loan limit shortage occurs when a loan amount is insufficient from a financial company to purchase a car and enables a car purchaser to purchase the car without a separate financial loan. A vehicle loan insurance guarantee system, comprising: a buyer computer (100) for inputting information about a car and a purchase price of a car, and requesting a loan for the purchase price of a car; An insurance company server 120 for providing insurance product information including guarantee insurance for the exceeded amount when the purchase price of the car input by the purchaser computer 100 exceeds the loan limit amount of the car buyer; And a capital server 110 for approving the loan for the excess amount when the purchaser computer 100 insures the insurance product information provided by the insurance company server 120. do.

Car, loan, guarantee, insurance

Description

Auto Loan Insurance Guarantee Method and System {Method and System for Automobile Loan Insurance Guarantee}

1 is a block diagram schematically showing a car loan insurance guarantee system according to a preferred embodiment of the present invention;

Figure 2 is a block diagram showing in detail a car loan insurance guarantee system according to a preferred embodiment of the present invention,

3 is a flowchart illustrating a method of operating a car loan insurance guarantee system according to a preferred embodiment of the present invention;

4 is a flowchart illustrating a payment method of an insurance company server to a capital server in an automobile loan insurance guarantee system according to another preferred embodiment of the present invention.

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

100: Buyer Computer 110: Capital Server

120: insurance company server 200: central processing unit

202: member management unit 204: loan examination unit

206: database unit 208: member information DB

210: loan information DB 212: insurance information DB

214: central processing unit 216: database unit

218: Member Information DB 220: Insurance Information DB

The present invention relates to a vehicle loan insurance guarantee method and a system thereof. More specifically, when a loan limit is insufficient when a car purchases an insufficient amount from a financial company, an insurance product including a guarantee insurance for a loan shortage is provided to enable a car buyer to purchase a car without a separate financial loan. The present invention relates to a vehicle loan insurance guarantee method and a system thereof.

Conventionally, the financial loan method required to purchase a car is configured as follows.

The car buyer enters the website of the operation server directly or through the car sales office to enter the member information and vehicle information of the car buyer. Then, the operation server compares and analyzes the financial loan conditions for each financial company from the inputted information and the information stored in the database of the operation server.

Then, the operation server derives financial loan information meeting the conditions of subscription of the car buyer and notifies the car buyer. The car buyer checks the financial loan information, decides to join, and applies for the loan offline or online with the financial company.

On the other hand, the financial loan method required to purchase the car described above in more detail as follows.

First, a car buyer accesses a website of an operation server directly or through a car sales office to input member information and vehicle information of a car buyer. The operation server stores the member information and vehicle information of the car buyer in a database after authenticating the car buyer. The operating server then compares and analyzes the financial loan terms for each financial company stored in the database.

The operational server then notifies the financial company determined to be most appropriate for the member information and vehicle information of the car buyer stored in the database. At this time, the loan-related data derived from the analysis is stored in the database of the operation server. After deriving the personal loan limit of the car buyer, the financial company inputs the car finance loan information to the operation server such as determining whether the car finance loan is made or suggesting a loan condition.

The operation server notifies the car buyer of the car finance loan information input from the finance company. Car buyers check the car loan information and apply for a subscription to the financial company online, such as by fax or e-mail, or by mail or visiting the financial company offline.

As seen above, new car buyers generally purchase a car through a car dealership. However, most car buyers do not have enough money to buy a car. Therefore, a mortgage loan is secured by a financial company such as a capital company, and the amount is divided into principal and interest for a certain period of time.

However, financial firms, such as capital firms, usually specify an individual loan limit. Therefore, a car buyer may not be able to borrow the amount required to purchase a car because the vehicle does not meet the loan conditions or the loan limit is insufficient. Therefore, in this case, the trouble of having to borrow money from an acquaintance or another financial company that is insufficient to buy a car.

On the other hand, you can ask a relative or friend to make them a guarantor to make a loan. In this case, however, occasional guarantees are often given. Giving two guarantees can lead to differences in the amount of guarantees given to each other, which may lead to greater difficulties.

For example, person A wants to buy a car, asks acquaintance B for a 10 million won car purchase guarantee, and acquaintance B gives car buyer A a guarantee of a 50 million won shopping mall rental guarantee. At this time, if a car buyer A has a problem with a 50 million won shopping mall rental guarantee, the car buyer A may face more difficulties because of the 10 million won bond.

In addition, since financial products (money loans) and insurance products (auto insurance) are designed separately for financial companies and insurance companies, it is inconvenient to apply separately for financial products and insurance products when a car buyer intends to join. In addition, there is a case where the financial product and the insurance product are sold online, which is merely configured to be sold online on the existing offline products.

Meanwhile, the above-mentioned capital company, in connection with a car company or a car sales office, pays the vehicle amount of the new purchaser to the car company instead of the buyer and receives the principal and interest from the buyer for a certain period of time. The company is responsible for credit financing, including installment loans.

However, with the development of information and communication, the use of the Internet has become popular, which has brought about many changes in the way of selling and buying cars. In recent years, car buyers have access to the websites of automobile companies or websites that provide information on automobiles, and compare and review the features and performance-to-price ratios of various models offered by automobile companies or models. It is changing with the tendency to purchase.

As such, when purchasing a car through the Internet, there is an advantage in that it is possible to purchase a car at a lower cost than purchasing it through a car sales office.

However, in purchasing a car through a website of an automobile company that is currently provided or a website that provides information related to automobiles, it is necessary to manage post-customer management as well as post-financing financial services such as financial loans and insurances that accompany the purchase of a car. There is a structural limitation in that services are not being made more reliable.

In order to solve the problems described above, the present invention, when the amount is insufficient to buy a car loan from a financial company to meet the loan conditions or the loan limit is insufficient guarantee loan insurance for the loan shortage It is an insurance loan product comprising a car loan insurance guarantee method and system that enables a car buyer to purchase a car without a separate financial loan for that purpose.

In addition, the present invention provides a new concept of insurance products to the car buyers in conjunction with the insurance company to provide car finance loans and car insurance together with the car buyers at the same time to the financial products and insurance products at the same time It is an object of the present invention to provide a method and a system for guaranteeing a car loan insurance that can be registered.

In addition, the present invention provides not only financial services following the purchase of a car, such as car loans and auto insurance, but also various services such as after-sales management services such as regular inspections and settlement of maintenance costs and providing information on car-related shopping malls, new cars and used cars. The purpose of the present invention is to provide a method and a system for guaranteeing a car loan insurance that can provide reliable customer service after purchase.

In order to achieve the above object, the present invention provides a separate financial loan to a car buyer as an insurance product including a guarantee insurance for the loan shortage when a loan limit shortage occurs when a loan amount is insufficient from a finance company. An automobile loan insurance guarantee system that enables the purchase of a car without providing, comprising: a purchaser computer (100) for inputting information about the car and a purchase price of a car and requesting a loan for the purchase price of the car; An insurance company server 120 for providing insurance product information including guarantee insurance for the exceeded amount when the purchase price of the car input by the purchaser computer 100 exceeds the loan limit amount of the car buyer; And a capital server 110 for approving the loan for the excess amount when the purchaser computer 100 insures the insurance product information provided by the insurance company server 120. do.

In addition, the present invention provides a insurance product to a buyer computer 100 to which a car buyer connects, a capital server 110 to loan a car purchase price input from the buyer computer 100, and the buyer computer 100. In the car loan insurance guarantee method of the car loan insurance guarantee system comprising an insurance company server 120, (a) the buyer computer 100 to the capital server 110 to the information about the car and the car purchase price Inputting and requesting a loan for the car purchase price; (b) the capital server 110 determining a loan limit amount of the car buyer; (c) the capital server 110 approving the loan if the car purchase price does not exceed the loan limit amount, and transmitting loan approval result information to the purchaser computer 100; (d) the capital server 110 rejects the loan when the car purchase price exceeds the loan limit amount, derives a guarantee insurance for the car purchase price, and provides insurance product information including the guarantee insurance to the buyer. Transmitting to the computer 100; (e) the purchaser computer 100 notifying the capital server 110 of whether to purchase the insurance product; And (f) the capital server 110 notifying the insurance company server 120 of the insurance product subscription approval, approving the loan, and transmitting loan approval result information to the purchaser computer 100. Provide car loan insurance guarantee method.

In addition, the present invention provides a insurance product to a buyer computer 100 to which a car buyer connects, a capital server 110 to loan a car purchase price input from the buyer computer 100, and the buyer computer 100. In the car loan insurance guarantee method of the car loan insurance guarantee system comprising an insurance company server 120, (a) the buyer computer 100 to the capital server 110 to the information about the car and the car purchase price Inputting and requesting a loan for the car purchase price; (b) the capital server 110 determining a loan limit amount of the car buyer; (c) the capital server 110 approving the loan if the car purchase price does not exceed the loan limit amount, and transmitting loan approval result information to the purchaser computer 100; (d) the capital server 110 rejects the loan when the car purchase price exceeds the loan limit amount, derives a guarantee insurance for the car purchase price, and transmits the guarantee insurance to the insurance company server 120. Doing; (e) the insurance company server 120 transmitting insurance product information including the guarantee insurance and the stored automobile insurance to the purchaser computer 100; (f) the purchaser computer 100 notifying the capital server 110 of whether to purchase the insurance product; And (g) the capital server 110 notifying the insurance company server 120 of the insurance product subscription approval, approving the loan, and transmitting loan approval result information to the purchaser computer 100. Provide car loan insurance guarantee method.

In addition, the present invention provides a insurance product to a buyer computer 100 to which a car buyer connects, a capital server 110 to loan a car purchase price input from the buyer computer 100, and the buyer computer 100. In the car loan insurance guarantee method of the car loan insurance guarantee system comprising an insurance company server 120, (a) the buyer computer 100 to the capital server 110 to the information about the car and the car purchase price Inputting and requesting a loan for the car purchase price; (b) the capital server 110 determining a loan limit amount of the car buyer; (c) the capital server 110 approving the loan if the car purchase price does not exceed the loan limit amount, and transmitting loan approval result information to the purchaser computer 100; (d) the capital server 110 rejects the loan when the car purchase price exceeds the loan limit amount, derives a guarantee insurance for the car purchase price, and transmits the guarantee insurance to the insurance company server 120. Doing; (e) the insurance company server 120 transmitting insurance product information including the guarantee insurance and the stored automobile insurance to the purchaser computer 100; (f) informing the insurance company server 120 of whether the purchaser computer 100 has subscribed to the insurance product; (g) the insurance company server 120 transmitting the insurance product subscription approval to the capital server 110; And (h) the capital server 110 approving the loan from the insurance product subscription approval and transmitting the loan approval result information to the purchaser computer 100.

In addition, the present invention provides a insurance product to a buyer computer 100 to which a car buyer connects, a capital server 110 to loan a car purchase price input from the buyer computer 100, and the buyer computer 100. In the car loan guarantee insurance payment method of the car loan insurance guarantee system comprising an insurance company server 120, (a) when the car buyer approval of the insurance product subscription, the insurance company server 120 guarantees from the insurance product Deriving a premium; (b) the insurance company server 120 paying the guarantee premium to the capital server 110; And (c) the insurance company server 120 provides a vehicle loan guarantee insurance payment method comprising the step of requesting the payment of the guarantee premium to the purchaser computer (100).

In addition, the present invention provides a insurance product to a buyer computer 100 to which a car buyer connects, a capital server 110 to loan a car purchase price input from the buyer computer 100, and the buyer computer 100. In the car loan guarantee insurance payment method of the car loan insurance guarantee system comprising an insurance company server 120, (a) when the car buyer approval of the insurance product subscription, the insurance company server 120 guarantees from the insurance product Deriving a premium; (b) the insurance company server 120 requesting the payment of the guarantee premium to the purchaser computer 100; And (c) when the automobile buyer performs the guarantee insurance premium payment, the insurance company server 120 paying the guarantee insurance premium to the capital server 110. .

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals have the same reference numerals as much as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted. In addition, the following will describe a preferred embodiment of the present invention, but the technical idea of the present invention is not limited thereto and may be variously modified and modified by those skilled in the art.

1 is a block diagram schematically showing a car loan insurance guarantee system according to a preferred embodiment of the present invention.

As shown in FIG. 1, the automobile loan insurance guarantee system according to a preferred embodiment of the present invention includes a purchaser computer 100, a capital server 110, and an insurance company server 120.

The purchaser computer 100 is a device that enables a car buyer to access the capital server 110 or the insurance company server 120. The purchaser computer 100 connects to the capital server 110 to obtain information about a car that the car buyer wants to purchase and to obtain a loan. To enter the car purchase price. In addition, it performs a function for requesting a loan for the car purchase price.

The information about the vehicle described above includes the name of the vehicle, the displacement and the sales amount. In addition, the car purchase price described above represents an insufficient amount of money required for a car buyer to purchase a car, but is not limited thereto. That is, it is possible that the car buyer is all or part of the sales amount of the car to be purchased.

When the purchaser computer 100 receives insurance product information including guarantee insurance and automobile insurance derived from the purchase price of the car from the capital server 110 or the insurance company server 120, the purchaser computer 100 determines whether to purchase the insurance product for the insurance product information. A function of notifying the capital server 110 or the insurance company server 120 is performed.

The purchaser computer 100 may be provided in a home or office to display a web-based document written in HyperText Markup Language (HTML), Dynamic HTML (DHTML), and eXtensible Markup Language (XML), which are standard languages for implementing web pages. And conventional hardware and software for driving a web browser, which is software capable of data communication with Capital Server 110 and insurance company server 120 using HTTP (HyperText Transfer Protocol).

The purchaser computer 100 is generally a personal computer (PC) in the form of a desktop, but although the term 'computer' is used, but not limited thereto, any communication as long as possible to transmit and receive data through the Internet 130. Means may also be used. For example, it may be a notebook, a personal digital assistant (PDA), a cellular phone, a personal communication system (PCS), a hand-held PC, or the like.

Such a purchaser computer 100 includes a general modem and public switched telephone network (PSTN) network, a cable modem and wired broadcasting network, a local area network (LAN) card and a LAN network, a LAN card and an intranet in an enterprise, and a communication module (chip). ) And a mobile communication network interworking with a wireless internet gateway.

On the other hand, the buyer computer 100 according to an embodiment of the present invention may be a dealer computer provided in the car sales office. Typically, a car buyer purchases a car through a car sales office. Therefore, by using the dealership computer provided in the car sales office, it is possible to conveniently and quickly use the service such as faster delivery of the car.

The capital server 110 is an operation server of a typical financial company that loans an amount required to purchase a car by a person who wants to purchase a car up to the loan amount of the car buyer. Generally, car buyers do not have enough money to buy a car. Thus, a car buyer purchases a car by borrowing an amount from a financial company to purchase a car.

However, when a car buyer receives a loan from a financial company in accordance with an individual's credit or the like, the loan amount may be insufficient to purchase a car.

Therefore, the capital server 110 according to an embodiment of the present invention includes the excess amount in the automobile damage insurance in connection with the insurance company when the amount that the car buyer wants to borrow exceeds the loan limit amount of the car buyer. Substitute the insurance guaranteed by the insurance company, and the capital server 110 is characterized in that the loan is approved for the excess amount.

The capital server 110 provides the car buyer with the financial services that follow after the car purchase. Accordingly, when the automobile buyer has not paid the car insurance premium, the vehicle buyer can pay the vehicle premium and later charge the automobile buyer. In addition, only a car buyer using the loan service may issue a membership card to be used to settle the maintenance fee after the partial repair of the car or may be used to calculate the fueling fee when refueling. In addition, in the case of issuing a membership card as described above, the amount used may be billed to a later use customer, and a free coupon service or a prize providing service may be provided by applying a point system according to the use history.

The capital server 110 provides a car buyer with a customer care service following the purchase of a car. Accordingly, it is possible to notify the time when the car buyer should undergo regular inspections of the car through electronic mail (E-Mail), fax (FAX), wireless text information service through the Internet and a mobile phone. In addition, it is possible to provide relevant information such as a regular inspection place available to the car buyers to conveniently receive a regular inspection of the car. In addition, a variety of information such as information on new and used cars, common driving related knowledge and maintenance common knowledge can be provided to automobile buyers through e-mail.

The capital server 110 provides a car shopping mall service to a car buyer. Accordingly, a car buyer may purchase necessary car supplies in the shopping mall. In addition, in the case of using the membership card described above when paying for the car supplies, the cost can be billed to the customers who use it later. It may be.

The insurance company server 120 is an operation server of a typical auto insurance company that provides car insurance related services such as auto insurance and post-insurance management to the car owner when the owner of the car wants to purchase auto insurance.

The insurance company server 120 according to the embodiment of the present invention provides a guarantee insurance service for the excess amount when the amount to be loaned by the person who intends to purchase the car in connection with the capital server 110 exceeds the loan limit amount of the car buyer. It is characterized by providing.

The insurance company server 120 provides a customer care service following a car purchase to a car buyer. Accordingly, it is possible to extend the insurance within the installment period for the insurance purchased by the automobile buyer. In addition, the insurance company server 120 may generate a second loan by subscribing insurance including the guarantee insurance to another insurance company server.

The capital server 110 and the insurance company server 120 are implemented on the Internet 130 to cooperate with a client requesting a service and a server processing a client's request. It is a concept of a general web server that provides a request of a user computer through a wired network and a wireless network, respectively, in a distributed processing type client / server method in which one or more application programs are operated in a cooperative environment.

The web servers described above are operating systems such as DOS, Windows, Linux, UNIX, Mac OS, OS / 2, Solaris, etc. It can be implemented by using various web server programs provided according to the example. The representative ones are PWS (Personal Web Server), Internet Information Server (IIS), Website (TTPS) and Unix environment used in the Windows environment. CERN, NCSA, and APPACHE used in

However, such a web server-type capital server 110 or insurance company server 120, in addition to the web server program in a conventional sense, a wide range of applications (Application Program) for providing a variety of services according to the present invention It should be understood as a concept.

On the other hand, the service according to the present invention is generally performed in the wired Internet network, but can also be performed in the wireless Internet network under conditions that overcome the limitations of data transmission speed and memory.

Accordingly, the Internet 130 as a communication means for connecting the purchaser computer 100 to the capital server 110 and the insurance company server 120 is a computer network capable of transmitting and receiving various data used in the present invention. For example, a wired Internet network such as a closed intranet or a wireless Internet communication network interworking with a mobile communication network may be used. However, any communication means can be used as long as data transmission and reception are possible.

Internet network that can be used in the wired and wireless Internet network of the present invention is a communication protocol TCP / IP (Transmission Control Protocol / Internet Protocol) and various services existing in the upper layer, that is, HTTP, Telnet, FTP (File Transfer Protocol) It is a global open computer network structure that provides Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP), Simple Network Management Protocol (SNMP), Network File Service (NFS), and Network Information Service (NIS).

The wired / wireless internet network may be implemented using a conventional method as it is or without difficulty, and thus detailed description thereof will be omitted.

Capital server 110 and insurance company server 120 of the automobile loan insurance guarantee system according to a preferred embodiment of the present invention can be configured in more detail as follows.

Figure 2 is a block diagram showing in detail the automobile loan insurance guarantee system according to a preferred embodiment of the present invention.

As shown in FIG. 2, in the automobile loan insurance guarantee method and system according to a preferred embodiment of the present invention, the capital server 110 includes a central processing unit 200, a member management unit 202, and a loan examination unit 204. ), And a database unit 206. The database unit 206 includes a member information DB (DataBase) 208, a loan information DB 210, and an insurance information DB 212.

The central processing unit 200 stores insurance product information including the automobile insurance transmitted from the central processing unit 214 of the insurance company server 120 and the warranty insurance derived from the loan examination unit 204 of the capital server 110. ) To send to.

The central processing unit 200 performs a function of determining appropriate car insurance for the car buyer from the information on the car input through the buyer computer 100 when the car buyer approves the insurance product subscription. In addition, the central processing unit 200 performs a function of notifying the insurance company server 120 of the insurance product subscription approval of the automobile buyer. In addition, the central processing unit 200 stores the insurance product information of the automobile buyer in the member information DB 208 of the capital server 110 and performs a function of notifying the approval of the loan of the automobile buyer.

The central processing unit 200 transmits the loan approval result information to the purchaser computer 100. Alternatively, the central processing unit 200 may perform a function of notifying the automobile purchaser of the loan approval result information through an electronic mail, a fax, a wireless text information service through the Internet and a mobile phone.

The central processing unit 200 stores the insurance product information of the automobile buyer in the member information DB 208 from the insurance product subscription approval transmitted from the central processing unit 214 of the insurance company server 120. In addition, the central processing unit 200 performs a function of approving the loan of the automobile buyer from the insurance product subscription approval.

The member manager 202 performs a function of determining whether a person connected through the purchaser computer 100 is a member registered in the member information DB 208. In addition, if a person connected through the purchaser computer 100 is a non-registered non-member, a function of registering and storing in the member information DB 208 through a predetermined member registration process is performed.

The loan examination unit 204 performs a function of determining a loan limit amount of a car buyer from information stored in the loan information DB 210 when a car buyer requests a loan of a car purchase price through the buyer computer 100. Alternatively, it is possible to perform a function of determining whether the loan of the automobile buyer from the information stored in the loan information DB (210).

The loan examination unit 204 performs a function of approving the loan if the purchase price of the car requested by the car buyer does not exceed the loan limit amount of the car buyer.

The loan examination unit 204 transmits the loan approval result information to the purchaser computer 100 through the central processing unit 200. Alternatively, the loan examination unit 204 may perform a function of notifying the automobile purchaser of the loan approval result information through the central processing unit 200 through an e-mail, a fax, a wireless text information service through the Internet, and a mobile phone. .

The loan examination unit 204 performs a function of rejecting a loan when the purchase price of the car requested by the car buyer exceeds the loan limit amount of the car buyer. In addition, the loan examination unit 204 performs a function of deriving a guarantee insurance for the remaining amount by subtracting the loan limit amount of the car buyer from the car purchase price.

The loan examination unit 204 transmits insurance product information including the guarantee insurance to the purchaser computer 100 through the central processing unit 200. Alternatively, the loan examination unit 204 may perform a function of transmitting insurance product information including the insurance insurance and the automobile insurance stored in the insurance information DB 212 to the purchaser computer 100 through the central processing unit 200. It is possible.

The loan examination unit 204 performs a function of requesting the insurance company server 120 for car insurance. In addition, the loan examination unit 204 performs the function of transmitting the derived guarantee insurance to the insurance company server 120.

The database unit 206 records or stores the information performed by the central processing unit 200, the member manager 202, and the loan examination unit 204, or provides a database containing the stored information.

The database unit 206 serves as a commonly known database management system. In addition, the database may be recorded on a medium such as an optical disc, a hard disc.

The member information DB 208 stores information of a person who is registered as a member of the capital server 110. In addition, the member information DB 208 stores insurance product information of the automobile buyer who has approved the insurance product subscription.

The loan information DB 210 stores information for determining a loan limit amount of a car buyer or whether a loan is possible when a car buyer requests a car purchase loan through a buyer computer 100.

The insurance information DB 212 stores information including car insurance.

On the other hand, in the vehicle loan insurance guarantee method and system according to a preferred embodiment of the present invention, the insurance company server 120 includes a central processing unit 214, and a database unit 216. The database unit 216 includes a member information DB 218 and an insurance information DB 220.

The central processing unit 214 transmits the car insurance stored in the insurance information DB 220 to the capital server 110 when the loan examination unit 204 of the capital server 110 requests the car insurance. In addition, the central processing unit 214 stores the insurance product information of the automobile buyer in the member information DB 218 from the insurance product subscription approval transmitted from the central processing unit 200 of the capital server 110.

The central processing unit 214 transmits insurance product information including the insurance insurance transmitted from the loan examination unit 204 of the capital server 110 and the automobile insurance stored in the insurance information DB 220 to the purchaser computer 100. Perform. In addition, the central processing unit 214 performs a function of storing the insurance product information of the automobile buyer in the member information DB 218 when the insurance product subscription approval is input through the purchaser computer 100 when the automobile purchaser approves the insurance product subscription. do.

The central processing unit 214 notifies the capital server 110 of the insurance product subscription approval of the automobile buyer. In addition, the central processing unit 214 the central processing unit 200 of the capital server 110 notifies the insurance company server 120 of the insurance purchase approval of the automobile buyer, or the central processing unit 214 of the insurance company server 120 is the capital server ( After notifying the insurance subscription approval to 110, a function of deriving a guarantee premium from insurance product information stored in the member information DB 208 of the capital server 110 or the member information DB 218 of the insurance company server 120; Perform.

The central processing unit 214 performs a function of paying the guarantee premium in full to the capital server 110. Alternatively, the central processing unit 214 may pay only a part of the guarantee premium, and may perform a function of paying a part later.

The central processing unit 214 performs a function of requesting an installment payment request for the guarantee premium to the purchaser computer 100. Alternatively, the central processing unit 214 may perform a function of simultaneously or separately claiming the insurance premiums when the installment payment request is made.

The central processing unit 214 requests the installment payment request for the guarantee premium to the purchaser computer 100, and performs a function of paying a predetermined amount to the capital server 110 when the automobile buyer performs the guarantee premium installment payment. Alternatively, the central processing unit 214 may perform a function of paying the entire guarantee premium to the capital server 110 when the automobile purchaser completes the payment of the guarantee premium.

The database unit 216 records or stores the information performed by the central processing unit 214 or provides a database containing the stored information.

The database unit 216 generally serves as a known database management system. In addition, the database may be recorded on a medium such as an optical disc, a hard disc.

The member information DB 218 stores insurance product information of an automobile buyer who has approved to join an insurance product.

The insurance information DB 220 stores information including car insurance.

Referring to the operation of the automobile loan insurance guarantee system according to a preferred embodiment of the present invention configured as described above are as follows.

Figure 3 is a flow chart illustrating a method of operating a car loan insurance guarantee system according to a preferred embodiment of the present invention.

2 and 3, the automobile buyer connects to the capital server 110 through the purchaser computer 100. As shown in FIG. The member manager 202 of the capital server 110 determines whether a person connected through the purchaser computer 100 is a member registered in the member information DB 208 of the capital server 110 through a normal member verification procedure. do. The determination as to whether or not the registered member is made is whether or not the information input through the purchaser computer 100 matches the member ID (ID) entered at the time of membership registration and the password.

If the car buyer connected through the purchaser computer 100 is a non-registered non-member, the capital server 110 may be used after being registered in the member information DB 208 of the capital server 110 through a member registration procedure. The membership registration process consists of a process of agreeing to the terms of membership, a predetermined identity verification process, and a process of inputting the ID, password, details of the car to be purchased, and the like of a car buyer.

On the other hand, as described above, the member verification procedure performed when the automobile buyer accesses the capital server 110 through the purchaser computer 100 may be omitted in the practice of the present invention. However, when the present invention includes a member verification procedure performed when the car buyer accesses the capital server 110 through the purchaser computer 100, the effect of increasing the accuracy of information and restricting access by an imaginary car buyer is limited. It is more preferable to include this because it can be obtained.

On the other hand, the member confirmation procedure performed when the car buyer accesses the capital server 110 through the buyer computer 100 may be performed when the car buyer accesses the insurer server 120 through the buyer computer 100. .

On the other hand, it is also possible to give the car buyers access to the capital server 110 or the insurance company server 120 through the dealership computer by giving an ID and password to be accessible only from the dealership computer provided in the car sales office.

The car buyer accesses the capital server 110 through the purchaser computer 100 and inputs information about the car to be purchased and the car purchase price to be loaned. Then, the loan request for the purchase price of the car (S300).

The information about the vehicle described above includes the name of the vehicle, the displacement and the sales amount. In addition, the car purchase price described above represents an insufficient amount of money required for a car buyer to purchase a car, but is not limited thereto. That is, it is possible that the car buyer is all or part of the sales amount of the car to be purchased.

The loan examination unit 204 of the capital server 110 determines the loan limit amount of the car buyer from the information stored in the loan information DB 210 of the capital server 110 (S302). On the other hand, the loan examination unit 204 of the capital server 110 may determine only whether the loan of the automobile buyer.

The loan examination unit 204 of the capital server 110 approves the loan if the purchase price of the car requested by the car buyer does not exceed the loan limit amount of the car buyer (S304). Then, the loan examination unit 204 of the capital server 110 transmits the loan approval result information to the central processing unit 200 of the capital server 110 (S306). The central processing unit 200 of the capital server 110 transmits the loan approval result information to the purchaser computer 100 (S308). On the other hand, the central processing unit 200 may notify the vehicle buyer of the loan approval result information by e-mail, fax, wireless text information service through the Internet and a mobile phone.

The loan examination unit 204 of the capital server 110 rejects the loan when the car purchase price requested by the car buyer exceeds the loan limit amount of the car buyer (S310). Then, the loan review unit 204 of the capital server 110 derives the guarantee insurance for the remaining amount by subtracting the loan limit amount of the car buyer from the car purchase price. The loan examination unit 204 transmits insurance product information including the guarantee insurance to the purchaser computer 100 through the central processing unit 200 of the capital server 110 (S312).

On the other hand, the guarantee insurance is not limited to insurance for the remaining amount by subtracting the loan limit amount of the car buyer from the purchase price of the car. In other words, it is possible to insure the entire amount of the car purchase.

Meanwhile, the insurance product information may include car insurance. In this case, the loan examination unit 204 of the capital server 110 may provide insurance product information including the derived insurance insurance and automobile insurance stored in the insurance information DB 212 of the capital server 110 of the capital server 110. The central processor 200 transmits the data to the purchaser computer 100.

Meanwhile, the capital server 110 may utilize the insurance information DB 220 provided in the database unit 216 of the insurance company server 120 without providing the insurance information DB 212 in the database unit 206. Do. In this case, the loan examination unit 204 of the capital server 110 requests the insurance company server 120 for car insurance.

The central processing unit 214 of the insurance company server 120 transmits the car insurance stored in the insurance information DB 220 to the capital server 110. The central processing unit 200 of the capital server 110 transmits insurance product information including the transmitted car insurance and the derived insurance insurance to the purchaser computer 100.

The above-mentioned car insurance is an insurance that transmits damages caused by owning, using and managing a car for insurance purposes, and can be insured through an insurance company.

These auto insurances are covered by compensation for damages to other people's vehicles when they are lost, damaged or damaged due to accidents while driving. To compensate for the accident of the driver (or the driver if the driver did not drive) or the occupant of the occupant due to an accident while driving, and to compensate for the damage of the vehicle caused by the accident while driving. The State shall provide the insured person with the insured's damages to compensate for damages caused by his / her own vehicle, uninsured vehicle, or accidents or unknown accidents, or by insurance companies. As a collateral that rewards a part by setting it as a special condition Dispatch services, all or some of the other riders, including details of the weekend to buy additional compensation rider, lady rider, riders criminal settlement funds.

The automobile buyer notifies the capital server 110 of whether the insurance product is subscribed through the purchaser computer 100 (S314). When the automobile buyer approves the insurance product subscription, the central processing unit 200 of the capital server 110 determines the appropriate automobile insurance for the automobile buyer from the information about the vehicle input through the purchaser computer 100 (S316). Meanwhile, the central processing unit 200 of the capital server 110 may receive an appropriate car insurance through the purchaser computer 100.

The central processing unit 200 of the capital server 110 notifies the insurance company server 120 of the insurance product subscription approval of the automobile buyer (S318). Then, the central processing unit 200 of the capital server 110 stores the insurance product information of the car buyer in the member information DB 208 of the capital server 110 and approves the loan of the car buyer (S320). The central processing unit 214 of the insurance company server 120 stores the insurance product information of the automobile buyer from the transmitted insurance product subscription approval in the member information DB 218 provided in the database unit 216 of the insurance company server 120.

Meanwhile, the insurance product information of the automobile buyer may be stored in only one of the member information DB 208 of the capital server 110 and the member information DB 218 of the insurance company server 120. The central processing unit 200 of the capital server 110 transmits the loan approval result information to the purchaser computer 100. On the other hand, the central processing unit 200 of the capital server 110 may notify the car buyer of the loan approval result information by e-mail, fax, wireless text information service through the Internet and a mobile phone.

On the other hand, when the capital server 110 rejects the car purchase price loan request of the car buyer, the insurance company server 120 may transmit the insurance product information including the car insurance to the buyer computer (100).

The automobile purchaser inputs information about the automobile and the purchase price of the vehicle to the capital server 110 through the purchaser computer 100 and requests a loan for the price, and the loan examination unit 204 of the capital server 110 receives the loan. The process of determining the loan limit amount of the automobile buyer, and the process of deriving guarantee insurance after the loan examination unit 204 of the capital server 110 rejects the loan of the automobile buyer is described in FIG. Method of operating a car loan insurance guarantee system according to a preferred embodiment.

The loan examination unit 204 of the capital server 110 transmits the derived guarantee insurance to the insurance company server 120. The central processing unit 214 of the insurer server 120 transmits the insurance product information including the transmitted guarantee insurance and the car insurance stored in the insurance information DB 220 of the insurer server 120 to the purchaser computer 100.

The automobile buyer notifies the insurance company server 120 of whether the insurance product is subscribed through the purchaser computer 100. On the other hand, whether the insurance product is input through the buyer computer 100 may be notified to the capital server 110. When the automobile buyer approves the insurance product subscription, the central processing unit 214 of the insurance company server 120 stores the insurance product information of the automobile buyer in the member information DB 218 of the insurance company server 120. Then, the central processing unit 214 of the insurance company server 120 notifies the capital server 110 of the approval of the insurance product subscription of the automobile buyer.

The central processing unit 200 of the capital server 110 stores the insurance product information of the automobile buyer from the transmitted insurance product subscription approval in the member information DB 208 provided in the database unit 206 of the capital server 110. do. Then, the central processing unit 200 of the capital server 110 approves the loan of the automobile buyer. Meanwhile, the insurance product information of the automobile buyer may be stored in only one of the member information DB 208 of the capital server 110 and the member information DB 218 of the insurance company server 120.

The central processing unit 200 of the capital server 110 transmits the loan approval result information to the purchaser computer 100. On the other hand, the central processing unit 200 of the capital server 110 may notify the car buyer of the loan approval result information by e-mail, fax, wireless text information service through the Internet and a mobile phone.

On the other hand, after the capital server 110 grants the car purchase loan to the car buyer, the process of receiving the loan payment from the insurance company server 120 may be configured as follows.

Hereinafter, in the automobile loan insurance guarantee system according to another preferred embodiment of the present invention, the payment method of the insurance company server 120 to the capital server 110 will be described.

FIG. 4 is a flowchart illustrating a payment method of the insurance company server 120 to the capital server 110 in the automobile loan insurance guarantee system according to another exemplary embodiment of the present invention.

The central processing unit 200 of the capital server 110 notifies the insurance company server 120 of the insurance purchase approval of the automobile buyer, or the central processing unit 214 of the insurance company server 120 grants the insurance purchase approval to the capital server 110. After the notification, the central processing unit 214 of the insurance company server 120 obtains the guarantee premium from the insurance product information stored in the member information DB 208 of the capital server 110 or the member information DB 218 of the insurance company server 120. Derived (S400). Then, the central processing unit 214 of the insurance company server 120 pays the guarantee premium in full to the capital server 110 (S402). On the other hand, the central processing unit 214 of the insurer server 120 may pay only a part of the guarantee premium, and to make a payment later.

On the other hand, if the insurance company server 120 has a second loan by subscribing insurance including the warranty insurance to another insurance company server, the insurance company server 120 requests the payment of the premium to the other insurance company server, and then It is also possible to implement step S400 and step S402.

Meanwhile, the insurance company server 120 may perform the steps S400 and S402 when another insurance company server completes the payment for the premium.

The central processing unit 214 of the insurance company server 120 requests the payment of the guarantee premium to the purchaser computer 100 (S404). On the other hand, the central processing unit 214 of the insurer server 120 may request the insurance premium at the same time or separately for the insurance premium when the installment payment request.

On the other hand, the central processing unit 214 of the insurance company server 120 requests the installment payment payment guarantee insurance premium to the buyer computer 100, and if the car buyer performs the guarantee premium payment payment payment also pays a certain amount to the capital server 110 It is possible. On the other hand, the central processing unit 214 of the insurance company server 120 may allow the automobile purchaser to pay the entire amount of the guarantee premium to the capital server 110 when the purchase of the guarantee premium payment is completed.

On the other hand, when the insurance company claims the insurance premiums and car insurance premiums to the car buyer can be configured as follows.

Car buyer B asked to insurer A how much insurance premiums he had to pay for joining a car insurance because he lacked 3 million won to buy a 10 million won car.

Insurer A recommended car buyer B to provide insurance products that include car insurance such as object insurance, personal insurance, child insurance, auto insurance, and uninsured damages, and guarantee insurance for the lack of car purchase price of 3 million won. The subscription amount and the installment amount for each of the details of the insurance product are as shown in the table above.

From this, car buyer B pays 30,000 won for the purchase price of car without paying money from a financial institution loan or an acquaintance, and pays 760,000 won, which includes the guarantee premium of 100,000 won and the auto insurance premium of 660,000 won, without his help. You can keep buying a car.

The above descriptions are merely illustrative of the technical idea of the present invention, and various modifications, changes, and substitutions may be made by those skilled in the art without departing from the essential characteristics of the present invention. It will be possible. Accordingly, the embodiments disclosed in the present invention and the accompanying drawings are not intended to limit the technical spirit of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by the embodiments and the accompanying drawings. . The scope of protection of the present invention should be interpreted by the following claims, and all technical ideas within the scope equivalent thereto should be construed as being included in the scope of the present invention.

As described above, the present invention includes a guarantee insurance for a loan shortage when the amount necessary for the purchase of a car cannot be obtained because the loan condition is insufficient or the loan limit is insufficient to obtain a loan from a financial company. It is an insurance loan product that enables car buyers to purchase a car without a separate financial loan.

In addition, according to the present invention, the insurance company compensates for the damages of the financial company by the amount short of the limit, and at the same time, pays for the customer in the form of a guarantee insurance, and thus obtains a bond for the amount of the reimbursement. From this, the insurance company can claim reimbursement to the customer with the bond obtained. Therefore, the financial company has the effect of returning the financial state of the customer to the stabilization normal bond due to the reimbursement of the insurance company.

In addition, according to the present invention, when the guarantee insurance claim reimbursement is made, the financial company can reduce the cost of recovering the bond. In addition, the decrease in the amount of bad debts will ease the burden of year-end bad debt provisions. In addition, the delinquency rate and the amount of bad debts are reduced, which in turn increases the creditworthiness of financial institutions, thereby lowering the funding rate of financial companies.

In addition, according to the present invention, the customer receives another loan in order to maintain the credit status, thereby preventing the continuation of the return type using expensive interests and cards, etc., thereby preventing the stabilization of the financial status. Can bring In addition, as a replacement for money consumption, which may be a cause of bad credit, there is an effect of reducing bad credit, and it is also effective in reducing the damage caused by customer guarantee.

In addition, according to the present invention, when the guarantee insurance claim reimbursement is made, the insurance company can obtain a bond of the reimbursement payment to generate a secondary loan to the customer, such as long-term split payment conditions. In addition, financial companies have the effect of expecting an applied product, such as including an installment of insurance premiums.

In addition, according to the present invention, by providing a car buyer with a new concept of insurance products in which a finance company provides car finance loans and car insurance together with an insurance company, the car buyer can sign up for the financial products and insurance products with a single intention of signing up. It has the effect of allowing simultaneous subscriptions.

In addition, according to the present invention, as well as financial services following the purchase of a car, such as car loans and car insurance, as well as after-sales management services such as regular inspections and settlement of maintenance costs, various services such as providing information on car-related shopping malls, new cars and used cars It is effective to lead the customer care service after purchase by providing a reliable.

Claims (25)

Car loan insurance that allows the car buyer to purchase the car without a separate financial loan. In the warranty system, A purchaser computer 100 for inputting information about the car and the purchase price of the car and requesting a loan for the purchase price of the car; An insurance company server 120 for providing insurance product information including guarantee insurance for the exceeded amount when the purchase price of the car input by the purchaser computer 100 exceeds the loan limit amount of the car buyer; And Capital server 110 for approving the loan for the excess amount when the buyer computer 100 insures the insurance product information provided by the insurance company server 120 Car loan insurance guarantee system comprising a. The method of claim 1, The purchaser computer (100) is a car loan insurance guarantee system, characterized in that the dealership computer provided in the car sales office. The method of claim 1, The capital server (110), the vehicle loan insurance guarantee system, characterized in that to notify the time when the car buyer should receive the regular inspection of the car by wireless text information service through e-mail, fax, the Internet and a mobile phone. The method of claim 1, The buyer computer (100), the car loan insurance guarantee system, characterized in that the input of the amount of money required to purchase the car or the amount of the sale of the car or a part of the sale of the car as the purchase price of the car. The method according to any one of claims 1 to 4, The capital server 110, Loan examination unit for determining the loan limit amount of the car buyer to approve the loan if the car purchase price of the car buyer does not exceed the loan limit amount, and derives a guarantee insurance for the car purchase price if exceeded ); The insurance product information including the guarantee insurance derived from the loan examination unit 204 is transmitted to the purchaser computer 100, and when the purchaser computer 100 approves the insurance product subscription, appropriate car insurance is provided to the automobile buyer. A central processing unit (200) for determining the insurance company server (120) to approve the insurance product subscription and for notifying the purchaser computer (100) of the loan approval result information; And Database unit 206 for recording and storing the information performed by the central processing unit 200 and the loan examination unit 204 or providing a database containing the stored information. Car loan insurance guarantee system comprising a. The method of claim 5, The central processing unit 200 includes the car insurance stored in the database unit 206 or the insurance company server 120 in the insurance product information and transmits it to the purchaser computer 100 to transmit the insurance product information from the purchaser computer 100. Auto loan insurance guarantee system, characterized in that the car buyer receives the appropriate car insurance. The method of claim 5, The central processing unit (200), the car loan insurance guarantee system, characterized in that notifying the car buyers the loan approval result information via e-mail, fax, wireless text information service through the Internet and a mobile phone. The method of claim 5, The database unit 206, A member information DB 208 for storing the insurance product information of the automobile buyer who has approved the insurance product subscription; A loan information DB 210 for storing information for determining a loan limit amount of the car buyer; And Insurance information DB 212 that stores information including car insurance Car loan insurance guarantee system comprising a. The method of claim 5, The capital server 110 determines whether a person connected through the purchaser computer 100 is a registered member and registers a member if the user is a non-registered non-member. Car loan insurance guarantee system further comprises. The method according to any one of claims 1 to 4, The insurance company server 120, When the capital server 110 requests the car insurance, the car insurance is transmitted to the capital server 110. When the insurance product subscription approval is transmitted from the capital server 110, the insurance product information of the car buyer is transferred. A central processing unit 214 for storing; And Database unit 216 for recording and storing information performed by the central processing unit 214 or providing a database containing the stored information. Car loan insurance guarantee system comprising a. The method of claim 10, When the guarantee insurance is transmitted from the capital server 110, the central processing unit 214 transmits insurance product information including the guarantee insurance and stored car insurance to the purchaser computer 100, and the purchaser computer 100. When the insurance product subscription approval is input from the car loan insurance guarantee system, characterized in that for transmitting the insurance product subscription approval to the capital server (110). The method of claim 10, The central processing unit 214 derives a guarantee premium from the insurance product information upon approval of the insurance product subscription, pays the guarantee premium to the capital server 110, and allocates the guarantee premium to the purchaser computer 100. Car loan insurance guarantee system, characterized in that the request for payment. The method of claim 10, The database unit 216, A member information DB 218 for storing the insurance product information of the automobile buyer who has approved the insurance product subscription; And Insurance information DB 220 for storing information including the car insurance Car loan insurance guarantee system comprising a. The method of claim 10, The database unit 216, when the database server is provided in the capital server 110, the car loan insurance guarantee system, characterized in that not provided in the insurance company server (120). The method of claim 10, The insurance company server 120 determines whether or not the person connected through the purchaser computer 100 is a registered member, and registers a member if the accessor is a non-registered non-member. Car loan insurance guarantee system further comprises. A buyer computer 100 to which a car buyer connects, a capital server 110 to loan a car purchase price input from the buyer computer 100, and an insurance company server 120 to provide insurance products to the buyer computer 100. In the car loan insurance guarantee method of the car loan insurance guarantee system comprising: (a) the purchaser computer 100 inputting information about the car and the purchase price of the car to the capital server 110 and requesting a loan for the purchase price of the car; (b) the capital server 110 determining a loan limit amount of the car buyer; (c) the capital server 110 approving the loan if the car purchase price does not exceed the loan limit amount, and transmitting loan approval result information to the purchaser computer 100; (d) the capital server 110 rejects the loan when the car purchase price exceeds the loan limit amount, derives a guarantee insurance for the car purchase price, and provides insurance product information including the guarantee insurance to the buyer. Transmitting to the computer 100; (e) the purchaser computer 100 notifying the capital server 110 of whether to purchase the insurance product; And (f) the capital server 110 notifying the insurance company server 120 of the insurance product subscription approval, approving the loan, and transmitting loan approval result information to the purchaser computer 100. Car loan insurance guarantee method comprising a. The method of claim 16, In step (d), Including the auto insurance in the insurance product information so that the capital server 110 can receive the appropriate auto insurance from the purchaser computer 100 for the car buyer. Car loan insurance guarantee method characterized in that it further comprises. The method of claim 16, In step (d), The capital server (110) requesting the car insurance to the insurance company server (120) to receive the appropriate car insurance from the buyer computer (100) from the buyer computer (100); The insurance company server 120 transmitting the car insurance to the capital server 110; And The capital server 110 including the car insurance in the insurance product information. Car loan insurance guarantee method characterized in that it further comprises. The method of claim 16, As an intermediate step between (e) and (f), The capital server 110 determines the appropriate car insurance for the car buyer Car loan insurance guarantee method characterized in that it further comprises. A buyer computer 100 to which a car buyer connects, a capital server 110 to loan a car purchase price input from the buyer computer 100, and an insurance company server 120 to provide insurance products to the buyer computer 100. In the car loan insurance guarantee method of the car loan insurance guarantee system comprising: (a) the purchaser computer 100 inputting information about the car and the purchase price of the car to the capital server 110 and requesting a loan for the purchase price of the car; (b) the capital server 110 determining a loan limit amount of the car buyer; (c) the capital server 110 approving the loan if the car purchase price does not exceed the loan limit amount, and transmitting loan approval result information to the purchaser computer 100; (d) the capital server 110 rejects the loan when the car purchase price exceeds the loan limit amount, derives a guarantee insurance for the car purchase price, and transmits the guarantee insurance to the insurance company server 120. Doing; (e) the insurance company server 120 transmitting insurance product information including the guarantee insurance and the stored automobile insurance to the purchaser computer 100; (f) the purchaser computer 100 notifying the capital server 110 of whether to purchase the insurance product; And (g) the capital server 110 notifying the insurance company server 120 of the insurance product subscription approval, approving the loan, and transmitting loan approval result information to the purchaser computer 100. Car loan insurance guarantee method comprising a. A buyer computer 100 to which a car buyer connects, a capital server 110 to loan a car purchase price input from the buyer computer 100, and an insurance company server 120 to provide insurance products to the buyer computer 100. In the car loan insurance guarantee method of the car loan insurance guarantee system comprising: (a) the purchaser computer 100 inputting information about the car and the purchase price of the car to the capital server 110 and requesting a loan for the purchase price of the car; (b) the capital server 110 determining a loan limit amount of the car buyer; (c) the capital server 110 approving the loan if the car purchase price does not exceed the loan limit amount, and transmitting loan approval result information to the purchaser computer 100; (d) the capital server 110 rejects the loan when the car purchase price exceeds the loan limit amount, derives a guarantee insurance for the car purchase price, and transmits the guarantee insurance to the insurance company server 120. Doing; (e) the insurance company server 120 transmitting insurance product information including the guarantee insurance and the stored automobile insurance to the purchaser computer 100; (f) informing the insurance company server 120 of whether the purchaser computer 100 has subscribed to the insurance product; (g) the insurance company server 120 transmitting the insurance product subscription approval to the capital server 110; And (h) the capital server 110 approving the loan from the insurance product subscription approval and transmitting the loan approval result information to the purchaser computer 100. Car loan insurance guarantee method comprising a. The method according to any one of claims 16 and 21, The automobile loan insurance guarantee further comprises a registered member verification process for determining whether a person accessing the capital server 110 or the insurance company server 120 through the purchaser computer 100 is a registered member. Way. The method of claim 22, The registered member confirmation process, (a1) connecting the automobile buyer to the capital server 110 or the insurance company server 120 through the purchaser computer; (b1) determining whether the capital server 110 or the insurance company server 120 is a registered member of the person connected through the purchaser computer 100; And (c1) allowing the capital server 110 or the insurance company server 120 to permit the access if the accessor is a registered member and register a member if not the registered member. Car loan insurance guarantee method characterized in that. A buyer computer 100 to which a car buyer connects, a capital server 110 to loan a car purchase price input from the buyer computer 100, and an insurance company server 120 to provide insurance products to the buyer computer 100. In the car loan guarantee insurance payment method of the car loan insurance guarantee system comprising: (a) when the automobile buyer approves the insurance product subscription, the insurance company server 120 deriving a guarantee premium from the insurance product; (b) the insurance company server 120 paying the guarantee premium to the capital server 110; And (c) the insurance company server 120 requesting the payment of the guarantee premium to the purchaser computer 100. Car loan guarantee insurance payment method comprising a. A buyer computer 100 to which a car buyer connects, a capital server 110 to loan a car purchase price input from the buyer computer 100, and an insurance company server 120 to provide insurance products to the buyer computer 100. In the car loan guarantee insurance payment method of the car loan insurance guarantee system comprising: (a) when the automobile buyer approves the insurance product subscription, the insurance company server 120 deriving a guarantee premium from the insurance product; (b) the insurance company server 120 requesting the payment of the guarantee premium to the purchaser computer 100; And (c) the insurance company server 120 paying the guarantee premium to the capital server 110 when the automobile buyer performs the guarantee premium payment payment; Car loan guarantee insurance payment method comprising a.

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