KR20110105558A - Car financing system by bank loan and method for operating the system - Google Patents

Abstract

The present invention relates to an automobile banking system through a bank loan and a method of operating the same.
The present invention is a financial system based on a network between a network-based bank server and another financial company server. The bank server, which approves the provision of the loan product and guarantees the loan requester to pay the loan for the car sale by guaranteeing the guarantee insurance product for the car sale price, the identity of the loan requester at the request of the bank server. And a first insurance company server for providing a bank server with a right insurance product relating to a car delivery procedure, and a second insurance company for providing the bank server with a guarantee insurance product for a purchase price of a car on the basis of the right insurance product at the request of the bank server. Car finance system through bank loan containing server It discloses a.

Description

Car financing system by bank loan and method for operating the system}

The present invention relates to a vehicle financial system and an operation method thereof.

If an individual currently purchases a car through a car dealership such as a car dealership or salesperson, the car buyer subscribes to the car financial products of the financial company through the car dealer.

According to the current car financial market structure, the cost structure of the car buyer is too complicated to be understood by the car buyer, and all the tasks of joining the car financial product are delegated to the car dealer. Handling fees incurred as a percentage of the loan amount are included in the car purchase price paid by the car buyer. In addition, the commission paid for introducing the loan product to the customer is a large portion of the car dealer's profits, so the car dealer bears an additional cost for providing the gift to the customer to attract the car buyer.

Therefore, in the cost structure of car buyers and the profit structure of car dealers in the current auto finance market, additional costs are incurred by handling fees or loan product introduction fees, so Auto-Loan of financial companies such as Capital It has a relatively high interest rate policy.

In addition, in the current automobile financial market structure, car dealers receive loan documents and there is a risk of leaking personal credit information and direct transactions with the employees of the financial company do not allow the car buyers to guarantee transparent transactions and It is inconvenient to know about it.

It is an object of the present invention to provide an automobile banking system through a bank loan that provides a low interest rate loan product of a bank to an individual or an individual operator who purchases a car, and minimizes the risk of loss of the bank. It is done.

The vehicle financial system according to an embodiment of the present invention is based on a network between a network-based bank server and another financial company server, and concludes a car sales contract of the loan requester according to a loan request of an individual or individual business owner who purchased a car. A bank server that approves the provision of the loan product for the automobile sale price based on the information, and decides to pay the loan request for the automobile sale price to the loan requester with the guarantee insurance product for the loan; A first insurance company server for providing the bank server with a right insurance product relating to the identity of the loan requester, the state of employment and the car delivery procedure, at the request of the bank server; And a second insurance company server for providing the insurance server with the insurance insurance product for the price of the automobile sale based on the right insurance product at the request of the bank server.

According to an embodiment, the bank server may include: a loan examination processing unit that examines a loan possibility of the loan requester; A request for providing a product to the first insurance company server and the second insurance company server and a reception of the product are processed based on a result of the examination of the loan examination processing unit, and premiums for the first insurance company server and the second insurance company server A central processing unit that handles the payment and payment of the loan to the loan requester; And a database unit including personal information of customers including the loan requestor, information for credit rating of the customers, and information for examining the possibility of issuing the guarantee insurance.

A method for operating an automotive banking system by a bank according to an embodiment of the present invention includes a bank server providing a loan product for an individual or an individual business operator, a first insurance company server providing a right insurance product, and a warranty insurance product. 2. A banking system based on a network between insurer servers, comprising: checking, by the bank server, a loan possibility for the loan requester in accordance with a loan request of an individual or individual business owner who purchased a car; Approving, by the bank server, the loan product based on the loan sale contract conclusion information of the loan requester and the examination result of the loan possibility; Requesting, by the bank server, a rights insurance product relating to the loan requester's identity, employment status, and car delivery procedure from the first insurance company server; Requesting, by the bank server, the guarantee insurance product for the loan from the second insurance company server; And assuring the guarantee insurance product provided from the second insurance company server on the basis of the right insurance product provided from the first insurance company server, the bank server provides the loan requester with the loan payment for the automobile sale price. Determining.

According to the present invention, a bank having a loan agreement with an individual or a business owner who purchases a car secures the entire guarantee insurance policy and joins a rights insurance product to prevent the loss of the bank which may be caused by the automobile financial product. I can alleviate it.

In addition, banks can provide customers with relatively low interest rate car financing products with no loan handling fees, and loan interest rates based on standardized interest rate criteria are provided because car buyers receive loan requests through a single channel through the bank. Can be. The burden on car buyers can be minimized as installment handling fees and loan-based mortgage-related fees other than loan rates are exempt.

In addition, since the bank and the car buyer providing the loan product directly deal with each other, the risk of personal information leakage may be reduced and the car buyer's understanding of the loan product may be improved.

1 shows a schematic block diagram of an automotive banking system according to an embodiment of the invention.
2 shows a detailed block diagram of an automotive banking system according to an embodiment of the invention.
3 is a flowchart illustrating an operation between subjects using an automobile financial system according to an exemplary embodiment of the present invention.
4 is a flowchart illustrating a method for operating a vehicle financial system by a bank according to an embodiment of the present invention.
Hereinafter, a car finance system through a bank loan and an operation method thereof will be described in detail with reference to FIGS. 1 to 4. In adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are assigned to the same elements as much as possible even though they are displayed on different drawings.

1 shows a schematic block diagram of an automotive banking system according to an embodiment of the invention.

The automotive banking system 100 according to an embodiment includes a bank server 110, a first insurance company server 120, and a second insurance company server 130. The bank server 110, the first insurance company server 120, and the second insurance company server 130 operate through communication based on the network 140.

The bank server 110 receives a loan request for a car sale price from an individual or a personal business owner who purchased a car. The bank server 110 may receive a loan request from a loan requester's computer through an external internet network or a mobile communication network. Also, at the request of a car buyer who visits a bank branch or the like, a loan request of a car buyer is inputted by a sub computer constituting the same bank network as the bank server 110, so that the bank server 110 receives a loan request. It may be.

The bank server 110 examines whether or not the loan requester can be provided for the car finance loan product. In addition, the bank server 110 determines whether to approve the provision of the car finance loan product to the loan requester based on the loan sale contract conclusion information of the loan requester. The loan on the loan requester's car sale price (hereinafter, abbreviated as 'car loan') may be the whole or part of the car sale price at the request of the loan requester.

The bank server 110 requests the first insurance company server 120 for the right insurance product about the loan requester for whom the loan for the car loan is approved, and provides the insurance insurance product for the car loan to the second insurance company server 130. request.

The first insurance company server 120 receives a request for a right insurance product related to the loan requester from the bank server 110. Rights insurance on the loan requester may include credit insurance for the identity or tenure of the loan requester and the delivery procedure for the car purchased by the loan requester. The first insurance company server 120 may provide the bank server 110 with credit information such as the identity of the loan requester, the position of the loan requester, the vehicle delivery procedure, and the like according to the right insurance product request of the bank server 110.

The second insurance company server 130 receives a request for a guarantee insurance product for the vehicle loan of the loan requester from the bank server 110. The second insurance company server 130 may receive and confirm the credit information of the loan requester provided by the first insurance company server 120 from the bank server 110. The second insurance company server 130 determines whether to provide the bank server 110 with a guaranteed insurance product for the loan request of the loan requester, based on the credit information of the loan requester. The second insurance company server 130 may notify the bank server 110 of the approval of the subscription of the guaranteed insurance product for the car loan.

The bank server 110 determines the payment of the car loan to the loan requestor for whom the loan is approved, by guaranteeing the insurance insurance product for the car loan provided from the second insurance company server 130. When the loan requester concludes a car transaction contract with a car dealership or a branch, the bank server 110 may pay a car loan for the loan requester to the car dealership or the branch on the date of the car acquisition.

The right insurance product provided by the bank server 110 from the first insurer server 120 checks the identity and position of the car buyer when paying the car loan to the loan requester, and checks the position of the car buyer related to the car delivery procedure. This is to compensate for the loss of the bank caused by the breach.

The guarantee insurance product provided by the bank server 110 from the second insurance company server 130 is to compensate for the uncollected amount of the automatic loans paid to the loan requester. Based on the credit information regarding the identity of the loan requester and the state of employment and the state of the vehicle delivery procedure confirmed by the first insurance company server 120, the arrangement of the guarantee insurance for the loan request of the loan requester may be approved.

The network network 140, which is a communication means for connecting the bank server 110, the first insurance company server 120, and the second insurance company server 130, interworks with an open Internet, a wired Internet network including a closed intranet, and a mobile communication network. It is a broad concept that includes not only a wireless Internet communication network but also a possible communication means such as a computer network capable of various data communication.

Hereinafter, the detailed structure of the vehicle financial system 100 according to an embodiment of the present invention will be described in detail with reference to FIG. 2. In the following description of the present invention, if 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, preferred embodiments of the present invention will be described below, but the technical spirit of the present invention is not limited thereto and may be variously modified and implemented by those skilled in the art.

2 shows a detailed block diagram of an automotive banking system according to an embodiment of the invention.

The bank server 110 according to an embodiment includes a central processing unit 210, a loan examination processing unit 220, and a database unit 230. The database unit 230 includes a customer personal information DB 232, a guarantee insurance issuance information DB 234, and a credit rating evaluation information DB 236. The first insurance company server 120 according to an exemplary embodiment includes a central processing unit 240, an identity and employment verification processing unit 250, and a vehicle delivery procedure verification processing unit 260. The second insurance company server 130 according to an embodiment includes a central processing unit 270 and a guarantee insurance examination processing unit 280.

The central processing unit 210 of the bank server 110 manages the transmission and reception of various types of information processed by the bank server 110, receives loan requests, calculates loans, acquires collateral, and calculates and pays insurance premiums for rights insurance and guarantee insurance. It handles various processes from loan requests to payment of loans, and the like.

The loan examination processing unit 220 examines the possibility of issuing the guarantee insurance of the loan requestor and the loan possibility of the bank. Loan examination processing unit 220, using the customer personal information DB 232 and the credit rating information DB (236) stored in the database unit 230, the loan requestor's income, age, whether you have a car license, personal credit status And by checking the bank internal credit rating information, it is possible to determine the possibility of the bank's loan approval. In addition, the loan examination processing unit 220 may determine the possibility of guarantee insurance issuance based on personal information and income information of the loan requestor using the guarantee insurance issuance information DB 234.

When the central processing unit 210 of the bank server 110 receives the loan eligibility information of the automobile financial product from the loan examination processing unit 220, the central processing unit 210 may output the approval information of the automobile financial loan product to the loan requester.

The central processing unit 210 of the bank server 110 transmits to the first insurance company server 120 a request for providing a right insurance product related to the loan requester related to the loan requestor's identity and employment status and the vehicle delivery procedure situation.

The central processing unit 240 of the first insurance company server 120 receives a request for providing the right insurance product from the bank server 110 and transmits the right insurance information corresponding to the right insurance product to the bank server 110. do. The central processing unit 240 of the first insurance company server 120, based on the request for the provision of the right insurance for the loan requester from the bank server 110, the identity and employment verification processing unit 250 and the vehicle delivery procedure confirmation processing unit 260 Instructs the loan requestor to verify credit information. Based on the instructions of the central processing unit 240 of the first insurance company server 120, the identity / employment confirmation processing unit 250 examines the identity and employment status of the loan requester, and the vehicle delivery procedure confirmation processing unit 250 checks the loan. Investigate the vehicle delivery process after requesting a vehicle from a requestor or car dealer.

The central processing unit 240 of the first insurance company server 120 may transmit the information on the scheduled release date of the vehicle while providing the right insurance product to the bank server 110.

When the central processing unit 210 of the bank server 110 receives from the first insurance company server 120, rights insurance information including credit information about the identity of the loan requester, the status of employment and the state of the car delivery procedure, the second insurance company The server 130 transmits a request for a guarantee insurance product for the loan of the loan requester. The central processing unit 210 of the bank server 110 may transmit, to the second insurance company server 130, right insurance information regarding the loan requester together with the request for the guarantee insurance product.

The central processing unit 270 of the second insurance company server 130 receives a request for a guarantee insurance product for the car loan from the bank server 110. The central processing unit 270 of the second insurance company server 130, along with the guarantee insurance product request, the bank server 110, the right insurance information, including credit information about the identity of the loan requester, employment status, and the situation of the car delivery procedure. Can be received from.

The guarantee insurance examination processing unit 280 of the second insurance company server 280 may examine whether the loan requester is entitled to issue the guarantee insurance policy based on the right insurance information about the loan requester. Authorization information indicating that the issuance of the guarantee insurance policy on the vehicle loan of the second insurance company server 130 may be transmitted to the bank server 110.

When the central processing unit 210 of the bank server 110 receives the information on the scheduled release date of the car from the first insurance company server 120, the central insurance unit 210 of the second insurance company server 130 according to the scheduled release date of the automobile is provided with the guarantee insurance product. You can send the offer request. In addition, when the car is released on the scheduled date of release of the vehicle, the central processing unit 210 of the bank server 110 transmits the vehicle sales price to the automobile dealership or the sales office on the vehicle release date on the basis of the warranty information according to the warranty insurance on the vehicle release date. You can decide.

The central processing unit 210 of the bank server 110 decides to pay the car loan to the loan requestor by guaranteeing a guarantee insurance product for guaranteeing the outstanding principal for the car loan provided from the second insurance company server 130. Can be. The car loan may be remitted directly to the loan requestor's account, or may be sent to a car dealership or a branch that has signed a car sales contract with the loan requestor on the date of the car request.

The central processing unit 210 of the bank server 110 may determine to transfer the premiums for the right insurance and the premiums for the guarantee insurance to the first insurance company server 120 and the second insurance company server 130, respectively. For example, premiums for rights insurance can be estimated in proportion to the loan amount. In addition, the premium according to the guarantee insurance is determined at a predetermined ratio with respect to the amount to be covered, and can be variably determined according to the individual CB (Credit Bureau) rating of the loan requester.

The central processing unit 210 of the bank server 110 may determine the loan interest rate of the automobile finance in consideration of the premium. For example, lending rates may be decided to use only financial bond rates to ease the bias towards CD rates. In addition, loan interest rates may be determined in consideration of guaranteed premiums and rights premiums based on the sum of market-based interest rates and spreads.

The criteria for calculating the loan limit may be determined up to a predetermined upper limit within an amount range excluding the down payment from the sale price of the car, and the loan limit may be calculated by the second insurance company server 130 and notified to the bank server 110.

The central processing unit 210 of the bank server 110 may determine the upper limit and the lower limit and the deferral period of the loan repayment period. The central processing unit 210 of the bank server 110 may request repayment of the loan to the automobile buyer in accordance with the principle equal dividend payment method.

Based on the car financing system 100 according to the above-described embodiment, a series of loan requesters, car dealerships, banks, first insurers and second insurers until the car buyer and the bank enter into a loan agreement for the car The operation of is described in detail below with reference to FIG.

3 is a flowchart illustrating an operation between subjects using an automobile financial system according to an exemplary embodiment of the present invention.

The car buyer 320 requests a bank 340 to loan a car purchase price. The bank 340 examines the loan possibility according to the loan request of the car buyer 320 (step 301). The bank loan eligibility of the automobile buyer 320 may be determined by information including personal credit status such as income proof, age, driver's license, and financial expense to income ratio. In addition to the bank loan eligibility, the credit rating of the car buyer 320 according to the internal credit scoring system (CSS) of the bank 340 and the qualification of issuing the guarantee insurance policy of the car buyer 320 may be examined. Can be. As a result of the loan eligibility examination of the bank 340, when the car buyer 320 determines that there is a loan eligibility of the car financial product, the car buyer 320 may be notified of this.

The car buyer 320 concludes a car sales contract with the car dealership 330 (step 302). When the auto sales contract is concluded, the car buyer 320 enters into the car financial product with the bank 340, and commits the loan (step 303).

The bank 340 subscribes to the first insurance company 350 for the rights insurance product for the car buyer 320 (step 304). The first insurance company 350 examines the identity and tenure of the automobile buyer 320 (step 305), issues a certificate regarding the identity and tenure of the automobile buyer 320, and provides it to the bank 340 (stage). 306).

The bank 340 subscribes to the second insurance company 360 for a guaranteed insurance product for the car loan of the car buyer 320 (step 307). In this case, the guaranteed insurance product guarantees only for the amount that the bank 340 has not recovered from the car buyer 320.

The second insurance company 360, based on the identity and employment confirmation for the car buyer 320 issued by the first insurance company 350, whether or not to approve the purchase of the guaranteed insurance product for the car loan of the car buyer 320 You can decide. When the second insurance company 360 approves the purchase of the guaranteed insurance product for the car loan of the automobile buyer 320, the second insurance company 360 may issue a warranty to the bank 340 (step 308).

The bank 340 may make a loan to the automobile buyer 320 based on the guarantee insurance product concluded with the second insurance company 360 based on the right insurance product concluded with the first insurance company 350. . Accordingly, the bank 340 transfers the loan according to the car financial product with the car buyer 320 to the car dealership 330 on the day of the car acquisition (step 309).

For example, when the bank 340 is notified of the scheduled departure date of the vehicle through the first insurance company 340, and the vehicle is released on the scheduled release date of the vehicle, the guarantee insurance subscription step between the bank 340 and the second insurance company 350 is performed. (Step 307), the issuance step of the second insurance company 350 (step 308), and the loan payment step (step 309) of the bank 340 may occur on the same date in accordance with the vehicle release date.

The car dealership 330 that has received the car sale price issues a car making certificate to the car buyer 320 (step 310), and the first insurance company 350 may check the car making certificate of the car buyer 320 (step 311). In addition, when the car buyer 320 receives the car and completes the car registration, the first insurance company 350 may check whether the car buyer 320 registers the car (step 312). Through this, the first insurance company 350 may examine the credit status of the vehicle delivery procedure of the car buyer 320.

The above-described series of operations of the bank 340, the first insurance company 350 and the second insurance company 360, respectively, in the communication environment capable of data transmission through various wired and wireless networks, the automotive financial system according to an embodiment It may be computerized by the bank server 110, the first insurance company server 120 and the second insurance company server (130) of (100). Based on this, a flowchart of a method for operating a car finance system through a bank loan is described with reference to FIG. 4 below.

4 is a flowchart illustrating a method for operating a vehicle financial system by a bank according to an embodiment of the present invention.

In step 410, the bank server examines the loan possibility for the loan requester in accordance with the loan request of the individual or individual operator who purchased the car. The loan request from the loan requester may be input from the loan requester's personal computer or a subcomputer of the bank network. Based on the loan requestor's income, age, vehicle license status, personal credit status, and bank internal credit rating information, the bank server may examine the likelihood of issuing a guaranteed insurance for the loan requester and the bank's loan potential.

In step 420, the bank server approves the provision of the car finance product for the car purchase price based on the loan requester's car sale contract conclusion information and the result of the examination of the loan possibility.

In step 430, the bank server requests the first insurance company server the right insurance product regarding the loan requestor's identity, employment status, and car delivery procedure. The bank server may receive a confirmation from the first insurance company server regarding the identity, employment, and car delivery procedure according to the right insurance product.

In step 440, the bank server requests a guarantee insurance product for the loan from the second insurance company server. On the basis of the identification information on the identity of the loan requester provided by the first insurer and the status of employment, the issuance information of the automobile production certificate and the vehicle registration information, the bank server may approve the provision of the warranty insurance product. The bank server may receive a certificate of guarantee insurance product subscription from the second insurance company server.

In step 450, the bank server determines the payment of the loan for the car purchase price to the loan requester by collateralizing the guarantee insurance product provided from the second insurance company server based on the right insurance product provided from the first insurance company server. The bank server may decide to pay the car loan to the car dealership that sold the car to the loan requester. The first insurance company server may search for information regarding the loan delivery procedure of the loan requestor, for issuing a car production certificate and registering a car of a car buyer.

Meanwhile, the above-described embodiments of the present invention can be written as a program that can be executed in a computer, and can be implemented in a general-purpose digital computer that operates the program using a computer-readable recording medium. The computer-readable recording medium may include a storage medium such as a magnetic storage medium (eg, a ROM, a floppy disk, a hard disk, etc.) and an optical reading medium (eg, a CD-ROM, a DVD, etc.).

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

100: car financial system 110: bank server
120: first insurance company server 130: second insurance company server
140: network 210: central processing unit
220: loan examination processing unit 230: database unit
232: customer personal information DB 234: warranty insurance information DB
236: credit rating information DB 240: central processing unit
250: guarantee insurance examination processing unit 260: central processing unit
270: Identity and office confirmation processing unit 280: Automobile delivery procedure confirmation processing unit
320: car buyer 330: car dealership
340: Bank 350: the first insurance company
360: second insurance company

Claims (14)

In the network-based financial system between the network-based bank server and other financial company server,
According to the loan request of the individual or individual business owner who purchased the car, the loan request is approved based on the information on the conclusion of the automobile sale contract of the loan requester and the guarantee insurance product for the car sale price is approved. A bank server that determines to pay the loan for the automobile sale price to the loan requester as collateral;
A first insurance company server for providing the bank server with a right insurance product relating to the identity of the loan requester, the state of employment and the car delivery procedure, at the request of the bank server; And
And a second insurance company server for providing a guarantee insurance product for the loan to the bank server based on the right insurance product at the request of the bank server. The method of claim 1, wherein the bank server,
A loan examination processing unit that examines the loan possibility of the loan requester;
A request for providing a product to the first insurance company server and the second insurance company server and a reception of the product are processed based on a result of the examination of the loan examination processing unit, and premiums for the first insurance company server and the second insurance company server A central processing unit that handles the payment and payment of the loan to the loan requester; And
Bank through a bank loan, characterized in that it comprises a database that contains the personal information of the customer including the loan requester, information for credit rating evaluation for the customer, and information for examining the possibility of issuance of the guarantee insurance Car finance system through loans. According to claim 2, The loan examination processing unit,
A bank that examines the possibility of issuing the loan requestor's guarantee insurance and the bank's loan possibility based on the income, age of the loan requester, whether or not a car license is held, personal credit status and bank internal credit rating information; Car finance system through loans. The method of claim 1, wherein the bank server,
Car loan system through a bank loan, characterized in that for paying the loan to the car dealership that sold the car to the loan requester. The method of claim 1,
The right insurance product of the first insurer is an insurance product for compensating for the loss of the bank which may be caused by the loan request of the loan requester during the automobile sale process of the loan requester. Automobile banking system through a bank loan, characterized in that the bank is an insurance product for compensating for the principal that is not recovered from the loan requester. The method of claim 1,
The rights insurance product relating to the vehicle delivery procedure, the vehicle banking system through a bank loan, characterized in that it includes information on the issuance of the car production certificate for the car purchased by the loan requester and the car registration information. The method according to claim 6,
The guarantee insurance product provided from the second insurance company server is based on the identification information and the status of employment for the loan requester provided from the first insurance company, the issuance information of the automobile production certificate and the car registration information. Automotive banking system through a bank loan, characterized in that approved to be provided to. Claims [1] A method of operating a financial system based on a network between a bank server providing loan products for an individual or an individual business operator, a first insurance company server providing a right insurance product and a second insurance company server providing a guarantee insurance product,
Determining, by the bank server, a loan possibility for the loan requester in accordance with a loan request of an individual or individual business owner who purchased a car;
Approving, by the bank server, the loan product based on the loan sale contract conclusion information of the loan requester and the examination result of the loan possibility;
Requesting, by the bank server, a rights insurance product relating to the loan requester's identity, employment status, and car delivery procedure from the first insurance company server;
Requesting, by the bank server, the guarantee insurance product for the loan from the second insurance company server; And
The bank server decides to pay the loan request for the sale price of the car to the loan requester based on the guarantee insurance product provided from the second insurance company server based on the right insurance product provided from the first insurance company server. Method for operating a vehicle financial system by a bank comprising the step of. The method of claim 8, wherein the vehicle financial system operating method comprises:
Receiving from the first insurer server a confirmation regarding the identity, tenure and car delivery procedure in accordance with the right insurance product provided at the request of the bank server; And
And receiving a guarantee certificate for the guaranteed insurance product from the second insurance company server, provided in response to a request of the bank server. The method of claim 8, wherein in the loan possibility screening step,
Based on the loan requestor's income, age, vehicle license status, personal credit status and internal credit rating information of the bank, the bank server examines the possibility of issuance of guarantee insurance for the loan requester and the bank's loan possibility. A method of operating a car financial system by a bank, characterized in that. The method of claim 8, wherein the loan payment step,
And the loan payment to a car dealership that sold the car to the loan requester. The method of claim 8,
The right insurance product of the first insurer is an insurance product for compensating for the loss of the bank which may be caused by the loan request of the loan requester during the automobile sale process of the loan requester. Method for operating a vehicle financial system by a bank, characterized in that the insurance product to compensate for the principal that the bank has not recovered from the loan requester. The method of claim 8,
The rights insurance product related to the vehicle delivery procedure, the vehicle finance system operating method by the bank, characterized in that it comprises the vehicle issuance information and the car registration information for the car purchased by the loan requester. The method of claim 13,
The guarantee insurance product provided from the second insurance company server is based on the identification information and the status of employment for the loan requester provided from the first insurance company, the issuance information of the automobile production certificate and the car registration information. A method of operating an automotive banking system by a bank, characterized in that it is authorized to be provided to the bank.

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