KR20150099220A - Method and apparatus for providing bank loan for purchase of cargo truck - Google Patents

Abstract

The present invention relates to a bank server for providing a financial service for loaning price for purchasing a vehicle to a personal business car owner, and a method for providing a loan product for purchasing a vehicle. A bank server receives a loan application for price for purchasing a vehicle from a personal business car owner belonging to a transportation company. The bank server request a first insurance product for ensuring an ability to repay the debt of the personal business car owner to a first insurance company based on a loan recommendation received from Korea Trucking Association. The bank server request a second insurance product for ensuring flaw in right that can occur during a period of installing a special device for a vehicle, to a second insurance company. The bank server executes a loan for price for purchasing a vehicle based on approvals of subscribing the first loan product and the second loan product.

Description

[0001] The present invention relates to a method and apparatus for providing a loan product for a car purchase purchase,

The present invention relates to a bank server that provides a financial service for borrowing a transaction amount from a money order owner who intends to purchase a freight car.

Individual carriers engaged in cargo transportation business generally enter into a consignment contract with the transportation company and belong to the transportation company as a stock lot. The Mutual Aid Association carries out the guarantee business for the members to share if the responsibility of damages arises due to the automobile accident of the union member transportation company. If the transportation company is a member of the National Freight Forwarding Association (hereinafter referred to as the "Mutual Aid Association"), the owner of the transportation company may become a member of the Mutual Aid Association.

However, the Mutual Aid Association guarantees only liability for damages incurred while driving a car, so there is no benefit to be provided by the Mutual Aid Association if the FDI car has not yet purchased the freight car.

Since freight cars are generally expensive from tens of thousands of won to hundreds of millions of won, it is difficult for drivers to purchase them by themselves. In addition, license plates for freight vehicles are registered for the cargo transportation business to the Ministry of Land Transport and Transport. Currently, the Ministry of Land Transport and Transport is restricted from registering new cargoes. shall.

Therefore, it is not possible to secure a purchase price for a new freight car worth tens of millions of won to several hundreds of millions of won without any security when it is intended to start a new freight car transportation business to an individual carrier. Even if a purchase price is secured through a credit, The economic burden will be increased.

The present invention provides a method and a structure of a bank server for a bank to provide a loan service for the sale of a cargo vehicle, and more particularly, to a bank server for providing a cargo car loan product to a borrower, And provides a way to provide the lender with a lender service for the cargo vehicle with insurance to guarantee the damage caused by the lien or lien fraud.

According to various embodiments, a method of providing a loan product for a car purchase price by a bank server comprises the steps of: accepting a loan application for a purchase price of a freight car from a rental car company belonging to a transportation company; Requesting a first insurance company to insure the first insurance company to fulfill the borrower's ability to fulfill the debt based on the loan recommendation letter received from the National Freight Forwarder Carrier Business Credit Association; The bank server requesting a second insurance company to provide a second insurance product for guaranteeing a defect of rights that may occur during installation of the special device mounted on the freight car; And executing the loan for the purchase price of the freight car based on the approval of the first insurance product and the second insurance product.

According to various embodiments, the step of executing the loan includes the step of the bank server depositing a loan for the purchase price for the main body of the freight car into the account of the seller of the freight car, It may be a company that is affiliated with the National Cargo Freight Forwarder Association.

According to various embodiments, the step of accepting the loan application may include the step of the bank server requesting the first insurer to examine the loan qualification and the guarantee limit for the fund stock, and to request the first insurance product May include the step of requesting the first insurer for the first insurance product for the first insurer to subrogate when the financial stock account is deemed eligible for loan by the first insurer.

According to various embodiments, the step of requesting the first insurance product may further include, when the amount of the loan application requested by the application for loan exceeds the guarantee limit, the excess amount of the guarantee limit to the credit card company server Forwarding the loan application for; And the bank server performing a credit inquiry for the supplementary loan addition through the credit card company server, wherein the loan for the excess amount can be executed by the credit card company server.

The step of requesting the second insurance product according to various embodiments may include requesting the second insurer to investigate the presence or absence of the defect; And the second insurance company receives from the second insurance company the identification information of the dispatcher, the status of business operation, the status of the purchase contract of the cargo vehicle, the status of payment of the advance payment in accordance with the purchase contract, And acquiring information on the state of payment of the money according to the information.

According to various embodiments, a bank server providing a loan product for a car purchase price includes a loan application reception unit for receiving a loan application for a purchase price of a freight car from a rental company belonging to a transportation company; A first insurance requesting unit for requesting a first insurance company for a first insurance product to guarantee the ability to perform the debt insurance based on loan recommendation letters received from the National Freight Car Transport Operator Mutual Aid Association; A second insurance request unit for requesting a second insurance company to provide a second insurance product for guaranteeing a right that may occur during installation of a special device mounted on the freight car; And a loan execution unit for executing the loan for the purchase price of the freight car based on approval of the first insurance product and the second insurance product.

Due to the cargo car loan products according to the various embodiments, the burden of the common people finance can be eased, and the rental goods of the low interest rate can be provided to the small-lot freight driver customer more than the installment finance company or the second financial company.

The bank server according to the embodiment may request the guarantee insurance company to check the identity of the credit card for which the loan is requested for the cargo purchase price and to confirm the guarantee limit. The bank server may be approved for entry into the first insurance product by providing a letter of credit recommendation issued by the National Freight Carrier Operator Mutual Aid Association to the insurer. The first insurance product can guarantee the balance of unredeemed cargo if the cargo car is registered as in-kind contribution in the name of the landlord and the landlord's default occurs.

In addition, the bank server may ask the second insurer to investigate whether there is a defect in the contract for the installation of a special device for a freight vehicle when the special device is installed in the freight car, and may request the rights insurance product. Rights insurance can guarantee damages that may arise from a defect in the provision of special equipment.

Accordingly, the bank server provides the loan service with the guarantee insurance product that guarantees the damage that may occur before the transfer of the in-kind investment of the freight car and the guarantee insurance product which guarantees the damage that may occur thereafter, It can reduce the risk of loan fraud or debtors defaulting.

For the loan application amount exceeding the guarantee limit, the credit card server connected with the bank server can be automatically connected and the possibility of lending to the excess amount can be investigated.

1 shows a block diagram of a bank server providing a loan product for a cargo purchase price (hereinafter 'cargo car loan product') according to various embodiments.
Figure 2 shows a flow diagram of how a bank server provides a loan product for a cargo purchase price in accordance with various embodiments.
3 shows the structure of a freight car.
Figure 4 shows the types of loss of cargo car loan products that are guaranteed by the right insurance product and the guarantee insurance product according to various embodiments.
Figure 5 illustrates the operations performed between a bank server, a billing note, and an insurance company until a loan for a cargo purchase price is executed according to various embodiments.

1 to 5, a method of providing a loan commodity for a cargo purchase price (hereinafter referred to as a 'cargo car loan commodity') by the bank server 100 according to an embodiment and a method of providing a loan commodity The structure is described in detail.

FIG. 1 shows a block diagram of a bank server 100 providing a freight car loan product according to an embodiment of the present invention.

The bank server 100 providing a cargo car loan product according to an embodiment includes a loan application reception unit 110, a first insurance request unit 120, a second insurance request unit 130, and a loan execution unit 140, .

The bank server 100 according to one embodiment includes a central processor for collectively controlling the loan application acceptance unit 110, the first insurance request unit 120, the second insurance request unit 130, and the loan execution unit 140 (Not shown). Alternatively, the loan application reception unit 110, the first insurance request unit 120, the second insurance request unit 130, and the loan execution unit 140 are operated by their own processors (not shown) The bank server 100 may be operated as a whole. Alternatively, according to the control of the external processor (not shown) of the bank server 100 according to the embodiment, the loan application reception unit 110, the first insurance request unit 120, the second insurance request unit 130, The execution unit 140 may be controlled.

The bank server 100 according to the embodiment may be configured such that the loan application acceptance unit 110, the first insurance request unit 120, the second insurance request unit 130, and the loan execution unit 140, And a data storage unit (not shown) for storing input / output data generated in the process of processing the application. The bank server 100 may include a memory control unit (not shown) for controlling data input / output of a data storage unit (not shown).

The bank server 100 according to an exemplary embodiment may communicate with a branch office of a bank or a branch office through a data network. The network according to one embodiment includes a wide range of possible communication means such as an open Internet, a wired Internet network including a closed intranet, a wireless Internet communication network interlocked with a mobile communication network, and a computer network capable of various data communication .

The loan application accepting unit 110 according to various embodiments can receive a loan application for the purchase price of the freight car from the rental company belonging to the transportation company. An electronic document or an image file of the loan application and related documents received at the dealership terminal may be transmitted to the loan application reception unit 110. [

Here, the freight car may only be a car of a predetermined standard among freight cars registered in the Ministry of Land, Transport and Maritime Affairs. The transport company to which the stockholding stock belongs may be a company affiliated with the National Freight Car Transport Operator Mutual Aid Association.

The National Cargo Freight Forwarder Association may be one of the mutual aid associations established to carry out the business of guaranteeing the liability for damages caused by the car accident of the carrier.

The cargo car loan product according to various embodiments is a product for borrowing the cargo car purchase price when the bank server 100 purchases a new cargo car to the stock owner.

According to one embodiment, the bank server 100 may apply only the proceeds of the sale of the main body of the new freight car as a loan object. If a special device is installed along with the purchase of a new freight car, the guarantee limit of the loan is applied only to the purchase price of the freight car, and the installation cost of the special device may not be covered by the loan guarantee.

According to another embodiment, the bank server 100 may approve the loan for both the car purchase price and the installation cost of the special equipment. In particular, the loan may be approved for the purchase price of the freight car body and for the installation of special equipment only when the structure of the car is changed.

The loan application receiving unit 110 can receive loan application data and automobile purchase document data for a loan application for a cargo purchase price. The loan application acceptance unit 110 may transmit a request for a qualification examination for a loan to a first insurance company based on a loan application for a loan application.

If the first insurer is qualified for the borrowing loan, the first insurance inquiry unit 120 may request the first insurance company to insure the ability of the borrower to fulfill the borrowing ability recognized as being eligible for the loan. The first insurance product may be a guarantee insurance product for reimbursement of the liability of the buyer if the repayment of the loan is delayed to the buyer. The first insurance inquiry unit 120 may transmit the loan recommendation letter received from the National Cargo Freight Forwarder Association to the first insurance company and request the first insurance company for the insurance first insurance product.

The second insurance requesting unit 130 may request the second insurer to insure the second insurance product to warrant a defect in the rights that may occur during the installation of the special device mounted on the freight car.

The loan execution unit 140 can execute the loan for the purchase price of the freight car based on approval of the addition of the first insurance product and the second insurance product.

The operations of the respective components of the bank server 100 of FIG. 1 will be described below with reference to FIG.

2 shows a flow diagram of a method by which the bank server 100 provides a lending commodity for a cargo purchase price in accordance with various embodiments.

In step 210, the loan application acceptance unit 100 may accept the loan application for the purchase price of the freight car from the importing country belonging to the transportation company subscribed to the National Freight Car Transport Operator Mutual Aid Association.

For example, in addition to a loan application, a copy of a driver's license, a copy of a business license from a rental car company, a copy of a car rental contract, a copy of a car purchase contract, , Special equipment installation contract (quotation), loan recommendation letter of the National Freight Car Transport Business Association Mutual Aid Association, automobile registration special mention item (including seal seal) may be accepted. The bank server 100 may store the received documents in a customer database of the bank server 100 in the form of an electronic document.

 The loan application acceptance unit (100) requests the first insurer for the credit check of the borrower's loan and obtains information about the guarantee limit from the first insurer according to the qualification examination of the borrower.

In step 220, the first insurance requesting unit 120 issues a first insurance product to the first insurer based on the loan recommendation letter received from the National Freight Car Transport Business Credit Association, . Even if the stockholder pays the loan payment, the first insurance product may be requested to guarantee the balance of the debt.

In step 230, the second insurance request unit 130 may request the second insurance company to insure the second insurance product to warrant a defect of rights that may occur during the installation of the special device mounted on the freight car.

The second insurance requesting unit 130 may request the second insurer to investigate the defective right. The second insurance requesting unit 130 receives from the second insurer the identity of the rental car, the status of the business operation, the status of the purchase contract of the cargo car, the status of the payment of the advance payment according to the purchase contract, And information on the state of payment of the payment in accordance with the contract can be obtained.

In step 240, the loan execution unit 140 can execute a loan for the purchase price of the freight car based on approval of the addition of the first insurance product and the second insurance product.

For example, Fig. 3 shows the structure of a freight car. 3, a special device 320 may be installed in the freight car body 310, as shown in FIG. The bidders can purchase the freight car body 310 from the freight car maker or the seller and order the installation of the special device 320 to the special device installer.

The special device 320 is often referred to as 'feature' and refers to a facility added to the freight car body 310. The special equipment installer refers to a company that installs special equipment such as a wingbody, a three-axis, a ladder, and a tank lorry in addition to the main body of a freight car.

According to one embodiment, the loan application reception unit 110 can accept a loan application for the purchase price of the freight car body 310 excluding the installation cost of the special device 320. When the loan is approved, the loan execution unit 140 can deposit the loan for the purchase price for the main body 310 of the freight car into the account of the seller of the freight car body 310.

According to another embodiment, the loan application reception unit 110 can accept a loan application for the total cost of the sum of the purchase price of the freight car body 310 and the installation cost of the special device 320. When the loan for the total cost is approved, the loan execution unit 140 deposits the loan for the purchase price to the main body 310 of the freight car into the account of the seller of the freight car body 310, Can be deposited into the account of the manufacturer of the vehicle special device 320. [

The loan application acceptance unit 210 transmits the excess amount of the guarantee limit to the credit card company server connected to the bank server 100 in the case where the amount of the loan application request amount exceeds the guarantee limit based on the guarantee limit obtained in step 210 You can send a loan application for.

The loan application accepting unit 210 may perform a credit inquiry for additional borrowing in connection with the credit card company server. Based on the credit inquiry result of the credit card and the payment guarantee issued by the Cargo Carrier Carrier Mutual Aid Association, the credit card company server can decide whether to lend additional credit. A loan for an excess amount of the loan exceeding the guaranteed limit of the bank server 100 by the credit card company server can be executed.

According to another embodiment, in addition to the first insurance commodity and the second insurance commodity, the loan execution unit 140 may further include a third insurance commodity for guaranteeing the remaining loan when a vehicle accident occurs for a predetermined period from the date of purchase of the freight car You can ask a third-party insurer. In this case, the loan execution unit 140 may execute the loan for the purchase price of the freight car based on approval of the addition of the first insurance product, the second insurance product, and the third insurance product.

The loan execution unit 140 according to the embodiment can deposit the loan to the account of the freight car seller based on the result of judging whether the loan is paid or not.

The loan execution unit 140 according to the embodiment can obtain the account information of the freight car seller based on the loan application data. As another example, the loan execution unit 140 may open and register a virtual account for the borrower who is the applicant of the loan, and perform the interlocking deposit process so that the loan is finally deposited to the account of the freight car seller via the debtor's virtual account.

If the loan is also executed for the special device installation cost according to another embodiment, the loan execution unit 140 may acquire the account information of the special device manufacturing seller and deposit the loan to the account of the special device installer.

In addition, the loan execution unit 140 according to an embodiment can monitor the delivery status and the registration status of the automobile. The loan execution unit 140 can monitor whether or not the ownership of the automobile has been previously registered to the stock owner after the payment of the loan.

When a freight car is purchased from a freight car by a consignment contract between the freight company and the freight carrier, the freight car is registered in the name of the freight company, not registered as the name of the person who is the owner of the freight car. In order to indicate that the stock price is a substantial owner of a freight car, an in-kind investment registration procedure is required to register the vehicle as a commissioned vehicle on the automobile registration counterpart. Vehicle registration is not intended to automatically register in-kind contribution as cargo vehicles are registered, as it is intended to express the rights of the entrainment right on the spot of the car registrant. Accordingly, the bank server 100 can process the in-kind investment registration for the freight car purchased by the stock exchange.

In order to register in-kind investment for a freight vehicle, the bank server 100 requests a registration form for the special registration of the automobile registration document, a copy of the business registration certificate of each of the rental car company and the transportation company, a seal certificate of each car carrier and the transportation company, To the Ministry of Land, Transport and Maritime Affairs.

Also, the loan execution unit 140 can transmit confirmation information indicating that the in-kind investment registration and the vehicle registration source have been issued to the second insurer.

The bank server 100 according to various embodiments basically can make a loan to the stock owner with the guarantee insurance product guaranteed by the first insurer and the rights insurance product guaranteed by the second insurance company as collateral. Referring to FIG. 4, the guaranteed insurance product and the subject insured by the rights insurance product are compared.

Figure 4 shows the types of loss of cargo car loan products that are guaranteed by the right insurance product and the guarantee insurance product according to various embodiments.

The right to insure the financial loss that may occur to the bank during the loan period (400) from the time of loan execution (401) to the loan maturity time (404) where the loan of the cargo vehicle loan product is paid. , The bank server 100 may determine the approval of the freight car loan to the bike master.

The sales main body of the freight car main body 310 and the installation sales main body of the special device 320 are different. The installation cost of the special device 320 is considerably high and the custom installation period 410 of the special device 320 is required for a predetermined period even if the freight car body 310 is delivered.

Even if the freight car is delivered, the installation of the special device 320 must be completed 420 and the freight car loaded with the special device 320 may be delivered to the cargo owner 403. As the freight car is delivered to the borrower, the bank server 100 may complete the in-kind investment registration of the freight vehicle to specify the right of the borrower to the freight car.

In terms of the period covered by the guarantee, a financial loss due to a right defect that may occur in the order placement period 410 of the special device 320 can be guaranteed by the second insurer providing the rights insurance product. The financial loss due to default of the liability that may occur in the period 420 from the time when the freight car is delivered to the customer after the installation of the special device 320 and until the loan expiration time 404 is reached, The first insurer can guarantee it.

However, due to the damage caused by the defect in the rights of the cargo purchase contract or special order installation contract, for example, fraud, forgery, unregistered vehicle and unregistered in-kind until the cargo car is delivered to the cargo owner, There may be a financial loss to the bank that executed the loan. Thus, the total loss due to a right defect that may occur during the custom installation period 410 of the special device 320 of the freight car can be guaranteed as the rights insurance product of the second insurer.

In this manner, the bank server 100 may first request the second insurer to inspect the rights before requesting the second insurer the rights insurance product for guaranteeing the financial damages due to the defect of rights. A second insurance company is provided with a right insurance product for guaranteeing the right to purchase a freight car and installing a special device to the bank server 100 based on the result of the investigation of the identity of the purchase order, Can be provided.

When the bank server 100 receives the loan application, it requests the first insurer to perform the loan qualification examination for the stock lot and approves the loan based on the result of the credit inquiry of the first insurer. The first insurer may provide the bank server 100 with a first insurance product for guaranteeing the balance of the reimbursement amount in the event that the stock price is in a default state for the cargo car loan to guarantee the creditworthiness of the credit insurance company.

For example, if the in-kind contribution registration of the freight vehicle is completed at the time of completion of the installation of the special device 320 (420), the first insurance company will, from this point on, .

Specifically, the bank server 100 requests the second insurer to request the right insurance product by issuing a right insurance inquiry request form, a copy of a driver's license, a copy of a freight automobile contract, a special device installation contract (quote), a copy of a contract of subscription, A copy of the business registration certificate of each state and the carrier, and a copy of the license of the cargo transportation. The submitted documents may be converted into an electronic document and transmitted to the second insurance company server.

Also, in order to register the investment in-kind for the stock lot, the bank server 100 sends a certificate of registration of special items for the automobile registration, a copy of business registration certificate of each of the stock owner and the transportation company, , A copy of the stst contract can be provided from the shipping center. All the documents provided from the shipping center can be converted into electronic documents or image files and stored in the customer DB.

The bank server 100 may provide a loan recommendation letter issued by the National Cargo Freight Forwarder Association to the first insurer and the first insurer may provide the guarantee insurance product from the time of registration of the in-kind contribution based on the loan recommendation letter.

Therefore, the bank server 100 determines whether or not the loan for the installment payment of the sale price of the cargo car to be purchased is made based on the guarantee insurance product issued by the first insurer and the rights insurance product issued by the second insurance company Can be determined.

FIG. 5 illustrates operations performed between the bank server 100, the billing stock 500, and the insurance companies 520, 530, and 540 until a loan for a freight car purchase payment is executed according to various embodiments.

In step 501, the bank server 100 may accept a loan request from the fund stock 500. The cargo car loan product according to various embodiments is a loan product for the purchase price of an unregistered new lorry, and the lorry owner must possess a driver's license for a freight car and have a certain period of experience.

According to another embodiment, if an unregistered fact is confirmed from an automobile dealer regarding a vehicle that has not yet been paid, even if the vehicle has already been shipped, the car can be registered after the balance is paid by the loan due to the car loan If so, cargo car loans may be approved.

Also, the vehicle to be loaned is a vehicle body of a predetermined standard or more, and the construction machine and the rescue vehicle (so-called 'Leka') can be excluded from the lending vehicle. For example, there are cargo trucks, tractors (including tractors, roeps, sailies, tank trailers, BCT bulkers, container chassis, wing trailers, Refrigerator, refrigerator, 3-axis refrigerator), wing / top (including wing, built-in, refrigerator and freezer), tank lorry (tank lorry, home lorry, sprinkler, food container, Cargo crews (including forklift trucks, bulldozer trucks, sledgehammer trucks, and ladder trucks) may be eligible for cargo lending.

The loan target is the sales price of the vehicle body, and only the cost excluding the special equipment part price and the incidental expenses from the total amount disclosed in the vehicle sales contract can be subject to the loan. Incidental costs may include registration tax, vehicle registration related costs due to purchase of bonds, acquisition tax, automobile tax, insurance premium, etc.

The lending limit of a freight car loan according to an exemplary embodiment may be determined to be within a predetermined ratio of the selling price of the vehicle body, the minimum limit and the maximum limit.

The bank server 100 may send a request for a qualification examination to the guarantee insurance company server 520. [ Prior to the qualifying examination for the loan, the action of accepting the collection / use agreement of personal information from the landlord may be preceded. The bank server 100 may receive information on the insurance limit of the deposit insurance from the guarantee insurance company server 520 through the qualification examination result. The guarantee limit can be differentiated by the credit rating of the credit card, and the loan limit can be determined within the guarantee limit. In addition, information on the guarantee limit for the purchase amount of the vehicle may be obtained, except for the installation cost of the special device.

At step 503, the tiller 500 can conclude a vehicle purchase contract and a special device installation contract with the vehicle manufacturer and the special device manufacturer 560, respectively. In step 504, the bank server 100 can request a loan recommendation form for the rental car stock to the nationwide freight carrier transportation business cooperative association 510 and receive the loan recommendation form.

For example, a loan recommendation letter issued by the National Freight Carrier Business Mutual Aid Association (510) may include the name of the transportation company and the seal of the credit union.

According to one embodiment, the process of requesting the guarantee server 520 to perform the qualifying examination and the process of requesting the recommendation letter to the nationwide freight carrier transportation company cooperative association 510 may be performed at the same time.

In step 505, the bank server 100 transmits a loan recommendation letter issued by the nationwide freight carrier transportation service provider mutual aid association 510 to the guarantee insurance company server 520, and may request a guarantee insurance offer for the rental car stock. If the guarantee insurance is approved by the assurance insurance company server 520 in step 506, a guarantee can be issued and provided to the bank server 100.

In step 507, the bank server 100 may send a right investigation request to the rights insurance company server 530 to determine whether there is a right defect on the contract for the sale of the freight car. For example, in the right insurance company server 530, based on the loan contract, the cargo vehicle sale contract, the special device installation contract, and the like provided from the bank server 100, Or the presence or absence of registration may be confirmed.

The bank server 100 may request the right insurance company server 530 to provide the rights insurance product in the absence of a right defect together with the right investigation request.

The right insurance company server 530 notifies the bank server 100 of approval to join the rights insurance when there is no right deficiency based on the result of performing the rights investigation, . If the subscription to the rights insurance is approved, the rights insurer server 530 may issue an authorization to the bank server 100 in step 507.

In step 511, the bank server 100 can execute a loan for the fund stock 500 with the guarantee insurance certificate issued from the guarantee insurance company server 520 and the rights insurance approval certificate issued from the right insurance company server 530 as collateral have.

In step 512, the bank server 100 can deposit the money for the car sales proceeds into the account of the vehicle manufacturer due to the loan execution. When the installation work of the special device is completed and the freight car is delivered to the injection stock 500, the bank server 100 can confirm whether or not the vehicle is registered and perform the in-kind contribution registration.

According to another embodiment, at step 514, the bank server 100 may send a foreclosure insurance subscription to the non-life insurance company server 540. Foreclosure insurance is an insurance product to compensate for residual loans in the event of a car accident for one year. In step 515, the non-life insurance company server 540 approves the foreclosure insurance and issues a guarantee to the bank server 100.

Therefore, according to another embodiment, the bank server 100 can not only provide the rights insurance and guarantee insurance issued by the rights insurance company server 530 and the guarantee insurance company server 520, but also the foreclosure insurance issued by the non-life insurance company server 540 Securing it as collateral and deciding whether to approve the loan.

As another example, the guarantee insurance company server 520 can confirm the insurance guarantee limit of the deposit insurance. However, in the case where the request for loan to which the deposit stock loan has been applied does not exceed the guaranteed limit, the above-described operations may be performed in order.

However, when the loan request exceeds the guarantee limit, the bank server 100 may request the additional loan for the excess amount in connection with the credit card company server 550. The bank server 100 may perform a credit inquiry for additional loans in connection with the credit card company server 550. [ In addition, a payment guarantee for the rental car issued by the nationwide freight car transportation company mutual aid association (510) may be provided to the credit card company server (550).

When the billing document business process reengineering (BPR) including the credit inquiry and payment guarantee is registered in the loan DB, the credit card company server 550 can execute the additional loan (step 514). Therefore, even if the amount of the loan application request amount exceeds the guarantee limit of the bank server 100, the credit card company server 550 can be automatically connected to the credit card company server 550 so that it is possible to check whether additional credit using the credit card is possible.

The block diagrams disclosed herein may be construed to those skilled in the art to conceptually represent circuitry for implementing the principles of the present invention. Likewise, any flow chart, flow diagram, state transitions, pseudo code, etc., may be substantially represented in a computer-readable medium to provide a variety of different ways in which a computer or processor, whether explicitly shown or not, It will be appreciated by those skilled in the art. Therefore, the above-described embodiments of the present invention can be realized in a general-purpose digital computer that can be created as a program that can be executed by a computer and operates the program using a computer-readable recording medium. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), optical reading medium (e.g., CD ROM,

The functions of the various elements shown in the figures may be provided through use of dedicated hardware as well as hardware capable of executing the software in association with the appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared. Also, the explicit use of the term " processor "or" control unit "should not be construed to refer exclusively to hardware capable of executing software and includes, without limitation, digital signal processor May implicitly include memory (ROM), random access memory (RAM), and non-volatile storage.

In the claims hereof, the elements depicted as means for performing a particular function encompass any way of performing a particular function, such elements being intended to encompass a combination of circuit elements that perform a particular function, Or any form of software, including firmware, microcode, etc., in combination with circuitry suitable for carrying out the software for the processor.

Reference throughout this specification to " one embodiment " of the principles of the invention and various modifications of such expression in connection with this embodiment means that a particular feature, structure, characteristic or the like is included in at least one embodiment of the principles of the invention it means. Thus, the appearances of the phrase " in one embodiment " and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.

In this specification, the expression 'at least one of' in the case of 'at least one of A and B' means that only the selection of the first option (A) or only the selection of the second listed option (B) It is used to encompass the selection of options (A and B). As an additional example, in the case of 'at least one of A, B and C', only the selection of the first enumerated option (A) or only the selection of the second enumerated option (B) Only the selection of the first and second listed options A and B or only the selection of the second and third listed options B and C or the selection of all three options A, B, and C). Even if more items are listed, they can be clearly extended to those skilled in the art.

The present invention has been described with reference to the preferred embodiments.

It is to be understood that all embodiments and conditional statements disclosed herein are intended to assist the reader in understanding the principles and concepts of the present invention to those skilled in the art, It will be understood that the invention may be embodied in various other forms without departing from the spirit or essential characteristics thereof. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims (14)

A method for providing a loan product for a car purchase price by a bank server,
The bank server accepting a loan application for a purchase price of a freight car from a rental house belonging to a transportation company;
Requesting a first insurance company to insure the first insurance company to fulfill the borrower's ability to fulfill the debt based on the loan recommendation letter received from the National Freight Forwarder Carrier Business Credit Association;
The bank server requesting a second insurance company to provide a second insurance product for guaranteeing a defect of rights that may occur during installation of the special device mounted on the freight car; And
Wherein the bank server executes a loan for the purchase price of the freight car based on the approval of the first insurance product and the second insurance product. The method of claim 1, wherein the step of executing the loan further comprises:
The bank server depositing a loan for a purchase price for the main body of the freight car into an account of the seller of the freight car,
Wherein the transportation company is a company subscribed to the National Freight Car Transport Operator Mutual Aid Association. The method of claim 1, wherein the accepting of the loan application comprises:
Wherein the bank server includes a step of requesting the first insurer to examine the loan qualification and the guarantee limit for the stock lot,
Wherein the step of requesting the first insurance product includes the steps of: requesting, by the first insurer, the first insurance product to be reimbursed by the first insurer when the debt stock is overdue by the first insurer; The method comprising the steps of: The method of claim 1, wherein requesting the first insurance product comprises:
Transmitting a loan application for an excess amount of the guarantee limit to the credit card company server connected to the bank server when the loan application amount according to the loan application exceeds the guarantee limit; And
Further comprising the step of the bank server performing a credit inquiry through the credit card company server for the supplementary loan addition,
And the credit card company server executes a loan for the excess amount. The method of claim 1, wherein the requesting of the second insurance product comprises:
Requesting the second insurer to investigate the existence of the deficiency; And
From the second insurer to the second insurance company, the identity of the carrier, the state of business operation, the state of the purchase contract of the cargo vehicle, the state of payment of the advance payment in accordance with the purchase contract, And acquiring information on the state of payment of the purchase price of the automobile. The method of claim 1, wherein the step of executing the loan further comprises:
Requesting a third insurance company for a third insurance product for guaranteeing the remaining loan when the bank server incurs a vehicle accident for a predetermined period of time from the date of purchase of the freight car; And
Wherein the bank server executes a loan for the purchase price of the freight car on the basis of approval of admission of the first insurance product, the second insurance product, and the third insurance product How to Offer Loan Products. The method of claim 1, wherein the step of executing the loan further comprises:
To the second insurer, confirmation information indicating that the in-kind contribution registration and the vehicle registration source have been issued to the second insurer. 1. A bank server for providing a loan product for a car purchase price,
A receipt application for receipt of the loan application for the purchase price of the freight car from the rental company belonging to the transportation company;
A first insurance requesting unit for requesting a first insurance company for a first insurance product to guarantee the ability to perform the debt insurance based on loan recommendation letters received from the National Freight Car Transport Operator Mutual Aid Association;
A second insurance request unit for requesting a second insurance company to provide a second insurance product for guaranteeing a right that may occur during installation of a special device mounted on the freight car; And
Wherein the bank server includes a loan execution unit for executing a loan for the purchase price of the freight car based on the approval of the first insurance product and the second insurance product. 9. The system according to claim 8,
A payment for the purchase price for the main body of the freight car is deposited into the account of the seller of the freight car,
Wherein the transportation company is a company subscribed to the National Cargo Freight Forwarder Association. 9. The method of claim 8,
The loan application receiving unit requests the first insurance company to examine the loan qualification and the guarantee limit for the stock market,
Wherein the first insurance inquiry unit requests the first insurance company for the first insurance product for the first insurer to subrogate when the debt stock of the first insurance company is approved for loan by the first insurer, Bank server. 9. The system according to claim 8, wherein the first insurance-
Wherein the credit application server transmits a loan application for an excess amount of the guarantee limit to a credit card company server associated with the bank server when the loan application amount based on the loan application exceeds the guarantee limit, Caution Perform credit inquiries for additional loans,
And the credit card company server executes a loan for the excess amount. The system according to claim 8, wherein the second insurance-
The second insurer requests the second insurer to investigate the presence of the deficiency, and the second insurer requests the second insurer to inspect the second insurer from the second insurer for the identity of the infraction, the status of business operation, the status of the purchase contract of the cargo vehicle, And information on the state of completion of the installation contract of the special device and the state of payment of the payment in accordance with the installation contract. 9. The system of claim 8,
Further comprising a third insurance requesting unit for requesting a third insurance company to insure the remaining loan when a vehicle accident occurs for a predetermined period of time after the purchase of the freight car by the bank server,
Wherein the loan execution unit executes the loan for the purchase price of the freight car based on approval of the addition of the first insurance product, the second insurance product, and the third insurance product, server. 9. The system according to claim 8,
To the second insurer, confirmation information indicating that the in-kind contribution registration and the vehicle registration source have been issued.

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