KR20120037829A - Loan system and method for used-car transactions - Google Patents

Abstract

PURPOSE: A loan system for trading used vehicles and method thereof are provided to enable a user to receive a loan service by interlocking with an insurance company. CONSTITUTION: A loan management server(111) receives insurance documents based on loan application information from an insurance company server(102). An escrow management unit(113) requests for creating an escrow account to an escrow server(104) based on the insurance document. The escrow management unit remits funds to the escrow account corresponding to the loan application information. An insurance management unit(115) establishes insurance for assuring the movement of the used vehicle.

Description

Loan System and Method for Used Car Transactions

The present invention relates to a loan system and method for used car transactions, and more particularly, to a loan system and method that can provide a loan by setting a used car as collateral in a used car transaction between an individual or a trading company.

Generally, when trading a used car between individuals, the buyer may be classified into a credit loan and a secured loan through the setting of a used car in order to receive part or all of the vehicle loan from a loan financial company.

In credit loans, the lender finance company can be limited because the loan lender and the loan amount is calculated based on the income and financial transaction status of the loan applicant. Therefore, in the case of an object that can be transferred and set, such as used car transactions, a secured loan that receives a loan by setting a used car as collateral is more stable than a credit loan in arranging a vehicle price.

In a mortgage loan, the buyer must first apply for a loan, prepare documents for the transfer and setting up of the vehicle for the loan, and visit the lender finance company directly to submit the documents. Therefore, in the preparation of documents for the transfer and setting of the vehicle, the non-expert buyer is at risk of future defects. There is also the inconvenience of having to visit a lender. In addition, in the conventional vehicle mortgage loan method, since the loan financing firm confirmed the loan for paying the vehicle to the buyer only after the transfer and setting of the vehicle is completed, the buyer has a disadvantage in that the buyer cannot receive a fast loan service.

Therefore, in the used car transactions between individuals, there is a need for a secured loan method that can provide a loan service quickly while ensuring the transfer and setting of the vehicle safely.

An object of the present invention, in the loan for used car transactions, to prevent the risk of defects that may occur during the transfer and set-up of the used car through the insurance of the transfer and set-up of the used car, if there is a defect, the insurance according to the pre-set insurance To provide a loan system and method that can receive.

Still another object of the present invention is to provide a loan system and method that can activate loans for used car transactions and used car transactions by providing vehicle payments to buyers through stable and rapid loans in used car transactions.

The present invention for achieving the above object, a loan system for used car transactions, loan management server for receiving the insurance document created on the basis of the loan application information from the loan application information and insurance company server for used car transactions, the insurance document An escrow manager requesting an escrow server to generate an escrow account on the basis of the escrow server; and an escrow management unit for transmitting a loan corresponding to the loan application information to the escrow account; and transmitting the loan application information to an insurance company server, based on the insurance document. And an insurance management unit that sets insurance for guaranteeing the transfer and setting of the used car, and a right to directly execute the transfer and setting of the used car or to request execution to the insurance company server when the purchase decision of the used car is confirmed. Includes management.

In order to achieve the above object, the present invention provides a method for used car transactions, receiving loan application information for used car transactions, and transmitting the received loan application information to an insurance company server; If so, requesting the escrow server to create an escrow account, setting up insurance to guarantee the transfer and setting of the used car and the insurance company server, and transfers the loan corresponding to the loan application information to the escrow account, If it is confirmed that the purchase of the used car is confirmed, performing the transfer and setting for the used car or requesting execution to the insurance company server.

According to the present invention, in the loan for used car sale, by guaranteeing the transfer and setting of the used car in connection with the insurance company, the buyer can receive the loan in advance before the transfer and setting of the used car, It is possible to secure a right relationship for used cars and to provide a fast loan service to the buyer. In addition, in the used car transaction, the buyer can quickly prepare the vehicle price, the used car transaction can be activated.

In addition to the sale of used cars, loan systems and methods according to the present invention can be applied to transactions such as ships, airplanes, motorcycles, and mobile construction equipment that can be transferred, set up, registered or registered, such as fork cranes and ready-mixed concrete. Can be.

1 is a view showing a loan financial company, insurance company server and escrow server providing a loan system according to an embodiment of the present invention,
2 is a block diagram showing in detail the loan system according to an embodiment of the present invention,
3 is a flowchart showing a loan method according to an embodiment of the present invention;
4 is a flowchart showing a loan method according to an embodiment of the present invention;
5 is a flowchart showing in detail the first method of the loan method described in FIG.
6 is a flowchart showing in detail the second method of the loan method described in FIG.
7 is a flowchart showing in detail the third method of the loan method described in FIG.
FIG. 8 is a flowchart showing the fourth step of the loan method described in FIG. 4 in detail.

1 is a view showing a loan financial company, insurance company server and escrow server providing a loan system according to an embodiment of the present invention.

As shown in FIG. 1, a loan bank 100 providing a loan system may provide a loan system for a used car transaction and a method thereof in connection with an insurance company server 102 and an escrow company server 104.

In FIG. 1, the loan bank 100 includes a loan system, and an insurance company server 102 and an escrow company 104 may exchange information with a loan bank 100 from an insurance company or escrow company. Can be replaced in all ways. For example, the insurance company server 102 includes all of the documents provided by an employee working at an insurance company, mail provided by the insurance company, and the like. In addition, when the loan banking company can provide an escrow server, the escrow server may be included in the loan banking company.

First, in a used car transaction, the buyer and the seller agree to the used car transaction, the buyer may apply for a loan for the used car transaction to the loan financial company 100. The present invention applies not only to used car transactions between individuals, but also to used car transactions between individuals, trading companies or corporations.

The used car transaction agreement between the buyer and the seller may be made through the Internet or a mobile terminal. Buyers can apply for loans through Internet websites, ARS systems, wired and wireless currencies, and customer service provided by lenders. Here, the buyer applying for the loan includes not only the buyer who wants to transfer the object, but also a third party who can repay the loan by loan in relation to the buyer.

Loan financial company 100 receives a loan application from the buyer receives information related to the loan application, that is, loan application information from the buyer, and performs a loan screening based on the loan application information. As a result of the loan examination, if the loan is possible, the loan financial company 100 transmits the loan application information to the insurance company server (102). When the insurance company server 102 directly visits the buyer and the seller and the insurance document created is transmitted to the lender financial company 100, the insurance company server 102 sets up the title insurance, and the escrow server 104 generates an escrow account. request. When the advance payment deposit confirmation is notified from the escrow server 104, the loan finance company 100 transfers the loan corresponding to the loan application to the escrow account. When the used car transaction between the buyer and the seller is confirmed by the remitted loan, the loan finance company 100 executes the transfer and setting of the used car that is the subject of the transaction, or requests the transfer and setting of the used car to the insurance company server 102. When there is a defect in the transfer and setting of the vehicle, the loan financial company 100 receives the remittance according to the title insurance from the insurance company server (102).

The loan system and method provided by the loan financial company 100 will be described in more detail below with reference to FIGS. 2 to 7.

2 is a block diagram showing in detail the loan system according to an embodiment of the present invention.

When an agreement is made on a used car transaction between the buyer and the seller, the buyer applies for loan to the lender finance company 100 through the Internet website, ARS system, wired / wireless currency, customer service provided by the loan finance company, and the loan application information. Provides the loan to the financial company 100.

As shown in FIG. 2, the loan system for the object sale provided by the lender financial company 100 includes a loan management server 111, an escrow manager 113, an insurance manager 115, a rights manager 117, and a customer manager. 118, and a benefit account 119.

The loan management server 111 manages all the information input to the loan system, connected to the escrow management unit 113, insurance management unit 115, rights management unit 117 and insurance accounts 119 to manage each device As the information management unit 121, the loan examination unit 123 and the information storage unit 125 are included.

The information manager 121 receives loan application information provided from the buyer. The loan application information includes a vehicle registration number, vehicle type, year, loan type, loan amount, the maximum amount of bonds, subscription request date, borrower name, borrower's resident number, seller's name, seller's contact, buyer's name, buyer's contact. Before applying for a loan, the buyer may negotiate with the seller to purchase the vehicle.

In addition, the information management unit 121 receives insurance documents prepared by an insurance company managing the insurance company server 102 by visiting the buyer and seller directly from the insurance company server 102. The insurance documents include loan documents, vehicle transfer / setting documents, and title insurance documents. The information manager 121 receives a purchase decision from the buyer. The purchase confirmation may be input to the information management unit 121 by confirming the identity of the buyer and the fact that the vehicle is normally acquired by the seller through the homepage, a web service, or an ARS system.

The loan examination unit 123 examines whether a loan is possible using the loan application information input through the information management unit 121. It is possible to examine whether the loan is possible in consideration of the customer's credit rating, loan amount, vehicle amount, vehicle year, and loan / inquiry details through other financial institutions identified from an external credit rating agency or internal data. The loan examination unit 123 may determine a part or all of the price of the loan applied.

The information storage unit 125 is loan application information provided from the buyer input through the information management unit 121 and insurance documents transmitted from the insurance company server 102, loan application results determined through the loan examination unit 123 and Stores loanable amount.

The escrow management unit 113 manages information between the escrow company server 104 and the loan system. When the insurance document written by the insurance company directly visits the buyer and the seller is transmitted through the loan management server 111, the escrow management unit 113 requests the escrow company server 104 to create an escrow account.

In addition, the escrow management unit 113 notifies the buyer that the escrow account has been created, and when the loan is confirmed, transfers the determined amount to the generated escrow account. In addition, when the purchase decision is confirmed through the loan management server 111, the escrow management unit 113 notifies the escrow company server 104 that the vehicle transaction is completed.

The insurance manager 115 manages information between the insurance company server 102 and the loan system. As a result of the loan examination by the loan management server 111, when the loan is possible, the insurance manager 115 transmits the loan application information to the insurance company server 102.

When the insurance company that manages the insurance company server 102 visits the buyer and the seller directly and the insurance document is sent through the loan management server 111, the insurance management unit 115 is based on the transmitted document insurance company server 102 And insurance for title. Established title insurance is insurance to cover possible defects in the transfer and establishment of used car transactions.

The rights management unit 117 manages the transfer and setting of used cars in the used car transaction. The right management unit 117 may request the used car transfer and setting to the insurance company server 102, or may execute the used car transfer and setting itself based on the information managed by the loan management server 111.

The customer management unit 118 guides the buyer according to the loan product and the loan product when the loan examination for the used car transaction is possible, as a result of the examination of the loan examination unit 123. The customer management unit 118 may connect a credit loan to the buyer when the loan examination unit 123, as a result of the examination, the loan for the used car transaction is impossible.

If there is a defect in the used car transfer and setting executed by the insurance company server 102 or the rights management unit 117, the insurance money corresponding to the title insurance set through the insurance management unit 115 is transferred from the insurance company server 102. Deposited to (119). Defects in the transfer and establishment of a used car are here to affect the rights if the insured mortgage has been established without the legal authority of the company, union, trust, or other legal entity or entity, or if the insured mortgage has been established without authority by an invalid power of attorney. If the insured mortgage is invalid or unenforceable due to counterfeiting, fraud, obsession, inability to represent, inability or faulty representation by a third party, damages may occur due to defects in the process of registration of the sale or mortgage. And the like.

3 is a flowchart illustrating a loan method according to an embodiment of the present invention.

As shown in FIG. 3, the buyer applies for a loan to receive loans for used car sales to the loan financial company 100 (S201). When the loan is applied, the application information for the loan is input to the information manager 121.

Next, the loan examination unit 123 determines whether the loan is possible (S202). Examine the customer's credit rating, loan amount, vehicle amount, vehicle year, and loan / inquiry details through other financial institutions.

As a result of the screening in step S202, if the loan is possible, the insurance management unit 115 transmits the application information for the loan to the insurance company server 102 (S203). The application information is transmitted to the insurance company server 102 through the computer network.

Next, the insurance company server 102 receiving the application information directly visits the buyer and seller to create and confirm the insurance document (S204). The insurance documents created in step S204 include loan documents, vehicle transfer / setting documents, title insurance documents. For example, if the buyer or the seller is an individual, the insurance company server 102 is provided with the automobile registration book, the seal certificate, the certificate of complete payment of the automobile tax from the seller, the copy of the resident registration, the seal certificate, etc. from the buyer, the buyer and the loan. Write an agreement, establishment agreement, title insurance subscription agreement, liability insurance receipt, automobile transfer certificate, transfer registration application, and power of attorney for transfer / transfer. On the other hand, if the buyer or seller is a corporation, the seller shall receive the automobile registration book, the corporate seal certificate, a certified copy of the corporate register, a business registration certificate, a certificate of the completion of the automobile tax, etc. Receive a copy of ID card, copy of representative's resident registration, certificate of representative's seal, etc., and prepare loan agreement, establishment contract, title insurance subscription contract, liability insurance receipt, automobile transfer certificate, transfer registration application, power of attorney for transfer / transfer. The insurance company server 102 checks whether the written document is missing, whether the prepared document is abnormal, the details of each document, and the like.

Next, the insurance company server 102 transmits the document created and confirmed in step S204 to the information management unit 121 (S205). The insurance company server 102 may convert all the created and confirmed documents into an image form and transmit the converted document to the information management unit 121, after which the original document may be delivered to the lender financial company 100.

Next, the insurance management unit 115 sets up insurance with the insurance company server 102 based on the documents transmitted in step S205 (S206), and the escrow management unit 113 requests the escrow company server to generate an escrow account. (S207). Here, insurance is title insurance for guaranteeing defects in the transfer and setting in used car sales. Escrow creates an escrow account at the request of step S207.

Next, when the escrow management unit 113 notifies the buyer that the escrow account has been created (S208), the buyer transfers the down payment to the escrow account (S209). Here, the down payment may be a part of the amount for sale of used cars or a vehicle registration fee.

Next, the escrow company server 104 confirms that the down payment has been remitted from the buyer, and notifies the information management unit 121 that the down payment has been remitted (S210).

Next, when notified that the down payment has been remitted, the loan examination unit 123 confirms the loan applied by the buyer in step S201 (S211), the escrow management unit 113 escrow generated in step S207 the amount corresponding to the confirmed loan Remittance to the account (S212).

Next, when the escrow company server 104 notifies the seller of used car sales that all payments for used car sales have been deposited (S213), the seller checks whether all payments for used car sales have been deposited into the escrow account (S214).

Next, the seller delivers the used car that is the object of the sale to the buyer (S215), the buyer receives the used car to confirm the vehicle, and transmits the purchase decision to the information management unit 121 (S216).

Next, when the buyer confirms the purchase decision, the escrow management unit 113 notifies the escrow company server 104 that the vehicle transaction is completed (S217), and the escrow company server 104 transmits the vehicle transmitted from the escrow management unit 113. In response to the transaction completion notification, the vehicle payment is remitted to the used car seller (S218). The escrow company server 104 sends the vehicle price to the used car seller, and then notifies the information management unit 121 that the vehicle price has been transferred to the seller.

Next, the rights management unit 117 requests the transfer and setting of the used car to the insurance company server 102 (S219). The rights management unit 117 may request the transfer and setting to the insurance company server 102, and may execute the used car transfer and setting on its own based on the documents transmitted in step S205.

Next, when the transfer and setting of the used car requested in step S219 is executed by the insurance company server 102 or executed by the rights management unit 117, if there is a defect about the transfer and setting of the used car, the insurance company server 102 pays the insurance money according to the title insurance set in step S206 to the loan financial company 100 (S220).

4 is a flowchart illustrating a loan method according to an embodiment of the present invention.

As shown in FIG. 4, when the buyer applies for a loan to the loan financial company 100 for a used car transaction, loan application information provided by the buyer is input to the loan management server 111, and the loan management server 111 is provided. ) Examines whether the loan is possible based on the loan application information (S310).

Next, when the loan application information is transmitted to the insurance company server 102 through the insurance management unit 115, an insurance company managing the insurance company server 102 directly visits the buyer and the seller to create an insurance document, and created insurance documents Is transmitted to the loan management server 111, the insurance management unit 115 sets the title insurance based on the insurance document (S330).

Next, after the title insurance is set, when the advance payment confirmation is notified from the escrow server 104, the loan management server 111 confirms the loan and generates the loan by the escrow company managing the escrow server 104. Send money to escrow account (S350).

Next, when the used car transaction between the buyer and the seller is confirmed using the loan transferred to the escrow account, the rights management unit 117 executes the transfer and setting of the vehicle by itself, or requests the transfer and setting of the vehicle to the insurance company server 102. When there is a defect in the transfer and setting of the vehicle, the insurance money based on the set title insurance is remitted to the insurance money account 119 (S370).

Hereinafter, each step of the loan method described in FIG. 4 will be described in detail with reference to FIGS. 5 to 8.

FIG. 5 is a flowchart showing in detail a first step of the loan method described in FIG. 4.

As shown in Figure 5, the buyer and the seller negotiate used car transactions (S311). Buyers and sellers may negotiate used car transactions through an Internet website or a mobile terminal.

Next, the buyer to apply for a loan to the loan financial company 100 to prepare a purchase amount required for used car transactions, and provides loan application information (S312). Loan application information provided from the buyer is input to the information management unit 121 (S313). The loan examination unit 123 performs a loan screening based on the loan application information input through the information management unit 121 (S314), and determines whether a loan for used car transactions is available to the buyer who applied for the loan (S315).

As a result of the determination in step S315, if a secured loan is available for a used car transaction, the customer management unit 118 guides the buyer to the loan product, and guides the procedure according to the loan product (S316). As a result of the determination in step S315, if it is impossible to secure the mortgage for the used car transaction, the customer management unit 118 provides the buyer with a credit loan connection (S317).

FIG. 6 is a flowchart showing in detail a second step of the loan method described in FIG. 4.

As described in step S316, the insurance management unit 115 transmits the loan application information input in step S313 to the insurance company server 102 (S331). The insurer managing the insurer server 102 directly visits the buyer and the seller of both parties in the used car transaction (S332), creates an insurance document and checks the written document (S333).

Next, the insurance company server 102 transmits the created and confirmed insurance documents to the information management unit 121 (S334). Next, the insurance manager 115 sets up the insurance company server 102 and the title insurance based on the insurance document transmitted through the information manager 121, and the escrow manager 113 creates an escrow account with the escrow server 104. Request (S335). The escrow server 104 generates an escrow account at the request of the escrow management unit 113 and notifies the buyer that the escrow account has been created (S336). When the escrow account is generated, the buyer deposits the down payment (S337), and the escrow server 104 confirms the down payment deposited from the buyer, and notifies the information management unit 121 of the down payment deposit confirmation (S338).

FIG. 7 is a flowchart showing the third step of the loan method described in FIG. 4 in detail.

As described in step S338, when the advance payment confirmation is notified from the escrow server 104, the loan examination unit 123 confirms the loan, the escrow account generated in step S336 through the escrow management unit 113 Remittance to (S351). Next, the escrow server 104 notifies the seller that the vehicle price combined with the down payment and the loan is received (S352). The seller checks the vehicle price deposited in the escrow account (S353), and delivers the vehicle to the buyer (S354).

When the vehicle is delivered to the buyer from the seller, the buyer inputs the confirmation of purchase confirmation to the information management unit 121 (S355).

If the vehicle is not delivered from the seller to the buyer, the buyer applies to the seller to cancel the used car transaction, the seller confirms the application to cancel the transaction (S356). Next, when the escrow management unit 113 requests the reverse payment of the loan to the escrow server 104 (S357), the escrow server 104 retransmits the loan to the lender financial company 100 and returns the down payment deposited to the buyer. (S358).

FIG. 8 is a flowchart showing the fourth step of the loan method described in FIG. 4 in detail.

As described in step S355, when the purchase confirmation confirmation is input from the buyer, the escrow management unit 113 notifies the escrow server 104 of the completion of the vehicle transaction based on the purchase confirmation confirmation input through the information management unit 121. (S371). Escrow server 104 deposits the vehicle price to the seller, the seller confirms the deposited vehicle price (S372).

The information manager 121 determines whether the vehicle can be moved and set by the rights manager 117 (S373).

As a result of the determination in step S373, when the vehicle can be transferred and set by the rights manager 117, the rights manager 117 executes the vehicle transfer mill setting (S374). On the other hand, when the vehicle transfer and setting is not possible by the rights management unit 117, the rights management unit 117 requests the vehicle transfer and setting to the insurance company server 102, the insurance company server 102 to transfer the vehicle and setting It executes (S375).

The information manager 121 determines whether a defect exists in the vehicle transfer and setting performed in step S374 or S375 (S376).

As a result of the determination in step S376, if there is a defect, the rights management unit 117 requests the insurance money corresponding to the title insurance to the insurance company server 102, and the insurance company server 102 transfers the insurance money to the insurance money account 119. (S377). If there is no defect, the information manager 121 checks the executed vehicle migration and setting information, and stores the checked information in the information storage unit 125 (S378).

The present invention can be embodied as processor readable code on a processor readable recording medium. The processor-readable recording medium includes all kinds of recording devices that store data that can be read by the processor. Examples of a processor-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like. In addition, the processor readable recording medium may be distributed over networked computer systems so that code readable by the processor in a distributed manner can be stored and executed.

In addition, although the preferred embodiment of the present invention has been shown and described above, the present invention is not limited to the specific embodiments described above, but the technical field to which the invention belongs without departing from the spirit of the invention claimed in the claims. Various modifications are possible by those skilled in the art.

Claims (16)

In the loan system for used car transactions,
A loan management server which receives the loan application information for used car transactions and insurance documents prepared based on the loan application information from an insurance company server;
An escrow management unit that requests an escrow account to the escrow server based on the insurance document, and transfers a loan corresponding to the loan application information to the escrow account;
An insurance management unit which transmits the loan application information to the insurance company server and sets an insurance for guaranteeing the transfer and setting of the used car and the used car based on the insurance document; And
When the purchase decision of the used car is confirmed, the loan system for a used car transaction including a rights management unit that directly executes the transfer and setting for the used car or requests execution to the insurance company server. The method according to claim 1,
If there is a defect in the transfer and setting of the used car executed by the rights management unit or the insurance company server, the loan system for used car transactions further comprising an insurance account for remitting the insurance money corresponding to the insurance from the insurance company server. The method according to claim 1,
The escrow management unit
If the purchase confirmation of the used car is not confirmed, the loan system for a used car transaction, characterized in that for requesting a remittance to the escrow account. The method according to claim 1,
The insurance document is a loan system for a used car transaction, characterized in that it comprises at least one of loan documents, vehicle transfer / set documents and title insurance documents. The method according to claim 1,
The insurance document is a loan system for used car transactions, characterized in that the insurance company that manages the insurance company server written by visiting the buyer and seller of the used car transaction directly. The method according to claim 1,
The purchase confirmation of the used car is a loan system for used car transactions, characterized in that the purchaser's identity confirmation and the fact that the buyer has normally acquired the vehicle from the seller is confirmed through at least one of the homepage, web service, and ARS system. The method of claim 1,
The loan application information is a loan system for used car transactions, characterized in that transmitted to the insurance company server only when the secured loan for the used car transaction. The method of claim 1,
The loan is remitted to the escrow account, when the advance payment is notified from the escrow server, the loan system for a used car transaction, characterized in that. In the loan method for used car transactions,
Receiving loan application information for a used car transaction and transmitting it to an insurance company server;
Requesting the creation of an escrow account to an escrow server, and setting an insurance for guaranteeing the transfer and setting of the used car when an insurance document prepared based on the loan application information is transmitted from the insurance company server; And
And transferring the loan corresponding to the loan application information to the escrow account, and when the purchase decision of the used car is confirmed, executing the transfer and setting of the used car or requesting execution to the insurance company server. Loan method for the transaction. 10. The method of claim 9,
If there is a defect in the transfer and setting of the used car, the loan method for the used car transaction further comprising the step of receiving a remittance from the insurance company server corresponding to the insurance. 10. The method of claim 9,
If it is confirmed that the purchase of the used car is not confirmed, the loan method for a used car transaction further comprising the step of requesting a remittance to the escrow account. 10. The method of claim 9,
The insurance document is a loan method for a used car transaction, characterized in that it comprises at least one of loan documents, vehicle transfer / set documents and title insurance documents. 10. The method of claim 9,
The insurance document is a loan method for a used car transaction, characterized in that the insurance company that manages the insurance company server directly written to the buyer and seller of the used car transaction. 10. The method of claim 9,
The purchase confirmation of the used car is a loan method for used car transactions, characterized in that the buyer confirms the identity and the fact that the buyer has normally acquired the vehicle from the seller through at least one of the homepage, web service, and ARS system. 10. The method of claim 9,
The loan application information is a loan method for a used car transaction, characterized in that transmitted to the insurance company server only when the secured loan for the used car transaction. 10. The method of claim 9,
When the loan is notified of the advance payment deposit from the escrow server, the loan method for a used car transaction, characterized in that the transfer to the escrow account.

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