KR20150112384A - Car funding system and Method thereof - Google Patents

Abstract

A car funding method of a car funding system which is connected to any of at least one applicant terminal and investor terminal through a network to provide a car funding service is disclosed. A server receives car information of a used car from an applicant terminal of a loan applicant and provides a loan limit amount, and the server receives a desired loan amount from the applicant terminal and registers a product. The server provides product information registered as an investment target at a request of the investor terminal, and the server receives an investment amount according to the selection of the investor terminal, and finishes when the sum of the investment amounts of the investors reaches the desired loan amount. In such manner, a loan requester has a security such as a car, and approval rate is high because examination is not complicated because of the existing crowd funding, and an investor establishes a security on a car, and can protect the principal of the investor through car sales by agreement with the load requester and legal proceeding (car auction) at the time of overdue or difficult repayment.

Description

{Car funding system and Method thereof}

The present invention relates to a car-funding system and method, and more particularly, to a car-funding system and method in which an owner of a used car receives vehicle information of a used car and a desired amount of a loan and collects and borrows an investor.

In general, there are not many places to invest in Korea due to low interest rates, but it is necessary to use high interest rates to receive loans. Crowd funding, which emerged in this situation, has gained much popularity by linking with investors who are looking for funds to borrowers or investors.

Crowd funding means "collecting funds from the public." It is an investment method that uses funds from social media services (SNS) and the internet.

There are many crowdfunding companies, but all of them are in the form of credit loans, so there are many cases where the loan is rejected by various factors such as the income and debt of the lender.

In the case of investment, there is no safeguard that can be set as collateral, so it is hard to say that the risk of principal loss is high due to personal circumstances (bankruptcy, regeneration, temporary) of the loan client.

On the other hand, there is only a mortgage-type loan in the used car sector and the concept of crowdfunding is not introduced.

Patent Disclosure 10-2007-0044248 (2007.4.27) Title: Financial loan service method using a used car as collateral

Therefore, in order to solve the above-mentioned problems, a problem to be solved by the present invention is to provide a credit guarantee system for a loan requester, which is similar to conventional crowdfunding, , A car financing system and method that can protect the principal of an investor through automobile trading under agreement with a legal proceeding (automobile auction) and a loan requester when delinquency or principal repayment is difficult.

It also provides a car financing system and method that combines the advantages of crowdfunding and mortgage lending.

To achieve these and other advantages and in accordance with the purpose of the present invention, as embodied and broadly described herein,

A car-funding system for providing a car- booking service by being connected to at least one applicant terminal and an investor terminal through a network,

A database for storing loan applicant information, investor information and investment product information;

The method comprising the steps of: receiving vehicle information and loan desired amount from an applicant terminal of the applicant for a loan for a used car, registering a commodity on the basis of the provided vehicle information and loan desired amount, And a server for finishing the application when the requested amount of money is invested.

The database unit,

A member DB for storing information of applicants and investors,

A product information DB for storing vehicle information, loan limit information, desired loan amount information, and loan progress status,

A vehicle quota information DB for storing quotation information of the vehicle,

And a document information DB for storing document information related to the loan of the vehicle.

The server comprises:

An information registration unit for receiving the vehicle information and the desired loan amount of the used car from the applicant terminal and registering the information in the product database;

Providing information on products registered in the commodity database in response to a request from the investor terminal, receiving an application for investment in the commodity according to the selection of the investor terminal, finishing when the sum of the investors' And the like.

And the investment progress unit determines that the total amount of the investors' investment is less than the desired amount of the loan.

The server,

And the desired loan amount is determined within a loan amount inputted by the manager terminal.

The commodity registration unit receives the loan ceiling amount from the manager terminal and provides the loan ceiling amount to the applicant terminal, and the loan applicant inputs the desired loan amount less than the loan ceiling amount.

Wherein the investment progress section comprises:

The investor closes the investment of the commodity at a predetermined time previously announced, and the applicant terminal and the investor terminal include a computer or a smart phone.

According to another aspect of the present invention, there is provided a car-

A car-funding method of a car-funding system for providing a car- booking service by being connected to at least one applicant terminal and an investor terminal through a network,

The server receiving the car information of the used car from the applicant terminal of the applicant of the loan and providing the credit limit amount;

Receiving the desired loan amount from the applicant terminal and registering the commodity;

Providing the product information registered as an investment target by the server at the request of the investor terminal;

And finishing the investment when the server receives the investment amount according to the selection of the investor terminal and the investment amount of the investor reaches the loan desired amount.

The method comprises:

And if the total investment amount of the investors is less than the loan desired amount, the server judges that the commodity is to be paid for.

And the desired loan amount is determined within a loan amount inputted by the manager terminal.

In the embodiment of the present invention as described above, since the loan requester has a collateral for a car, the approval rate is high due to the difficulty in screening as in the conventional crowdfunding, the investor also sets the collateral for the car, It is possible to provide a car-funding system and method that can protect the investor's principal through automobile trading under legal proceeding (automobile auction) and agreement with the loan originator.

It is also possible to provide a car financing system and method that combines the advantages of crowdfunding and mortgage lending.

1 is a configuration diagram of a car- phing system according to an embodiment of the present invention.
2 is a flowchart illustrating an operation of the car- booking method according to an embodiment of the present invention.
3 to 6 are views showing examples of screens provided in a car- phoneing system according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with the accompanying drawings. However, it is to be understood that the present invention is not limited to the disclosed embodiments, but may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. It is intended that the disclosure of the present invention be limited only by the terms of the appended claims. Like reference numerals refer to like elements throughout the specification.

The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. It is noted that the terms "comprises" and / or "comprising" used in the specification are intended to be inclusive in a manner similar to the components, steps, operations, and / Or additions. Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense commonly understood by one of ordinary skill in the art to which this invention belongs. In addition, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a configuration diagram of a car- phing system according to an embodiment of the present invention.

Referring to FIG. 1, a car- phoning system 100 according to an embodiment of the present invention includes:

A car-funding system connected to at least one applicant terminal (200) and an investor terminal (300) through a network (500) to provide a car-

A database 120 for storing loan applicant information, investor information, and investment product information;

The method comprising the steps of: receiving vehicle information and loan desired amount from an applicant terminal of the applicant for a loan for a used car, registering a commodity on the basis of the provided vehicle information and loan desired amount, And a server 110 for finishing the application when the requested amount of money is invested.

The database unit 120 may include:

A member DB 122 for storing information of the applicant and the investor,

A product information DB 123 for storing vehicle information, loan limit information, desired loan amount information, and loan progress status to be a loan,

A vehicle quotation information DB 121 for storing quotation information of the vehicle,

And a document information DB 124 for storing document information related to the loan of the vehicle.

The server (110)

An information registration unit (111) for receiving the vehicle information and the desired loan amount of the used car from the applicant terminal and registering the information in the product database;

The investor terminal 300 provides product information registered in the commodity database 120 according to a request from the investor terminal 300 and is requested to invest for the commodity according to the selection of the investor terminal 300, And an investment progress unit 112 for finishing the loan when it reaches the desired loan amount.

The investment progress unit 112 determines that the total investment amount of the investors is less than the desired loan amount, and the desired loan amount is determined in the loan amount input by the administrator terminal 400 do.

The commodity registration unit 111 receives the loan limit amount from the manager terminal 400 and provides the loan limit amount to the applicant terminal 200. The loan applicant inputs the desired loan amount less than the loan limit amount .

The investment progress section (112)

The investor terminal 200 and the investor terminal 300 include a computer or a smart phone.

The operation of the car-funding system according to the embodiment of the present invention having such a configuration will now be described.

First, the loan applicant accesses the server 110 by using the applicant terminal 200 and joins the member (s201). The screen at this time is shown in Fig.

Referring to FIG. 3, information such as an ID, a password, a name, personal information, and the like is input.

Then, the vehicle information is inputted on the product registration screen to apply for the loan (S202). Referring to FIG. 4, information such as various information of the vehicle, the right relation and the accident occurrence are inputted.

At this time, the server 110 receives the car information of the used car from the applicant terminal of the applicant of the loan, and provides the credit limit amount (s210).

Then, the applicant for the loan inputs the desired loan amount using the applicant terminal 200. [ At this time, the loan limit is set for the desired loan amount, and the lender limit may be referred to by the manager in advance in accordance with the vehicle information, referring to the vehicle quotation information of the vehicle quotation information DB 121, It can be automatically determined according to the vehicle quotation information, and can be inquired in advance (s203).

Then, the formal emotion and autograph phase (s204, s211) are performed, and this step is carried out after the sum of the loan amount with the applicant after the first lendable amount is paid. After the inspection of the vehicle, accurate measurement of the ceiling and drafting of the loan are made (agreement, contract for building a residential building, etc.) (S205).

If necessary, the applicant will be asked to check the loan.

These documents are transmitted to the information registration unit 111 under the control of the terminal 400, and are stored in the document information DB 124.

Then, the information registration unit 111 of the server registers the goods.

Meanwhile, the investor accesses the investor terminal 300 to register or log in (S220). The investment progress unit 112 of the server 110 provides the product information registered in the product information DB 123 as an investment target at the request of the investor terminal 300 at step S221, . Referring to FIG. 5, the list of the registered investment products is listed in a list form. If a desired product is selected, detailed information of the corresponding product is displayed as shown in FIG.

At this time, if there is a product to be invested after searching for a product, the investor terminal charges the account (S222).

Also, the account is charged from 100,000 won, and the bidding is possible from 50,000 won to 10,000 won.

Then, the investment progress part 112 of the server receives the investment amount according to the selection of the investor terminal 300 (S223).

After expiration of the investment period, the investment progress unit 112 finishes the bidding process when the investors' total investment amount reaches the desired amount of the loan (S224).

At this time, the investor bids for the desired product, and finishes orderly when the target price is reached.

On the other hand, when the sum of the investors' investments is less than the desired loan amount, the server judges that the commodity is to be paid. Automatically refund when the bid price falls below the target price (available).

Then, if necessary, document inspection and supplementation procedures are performed (S225), and security is set for the vehicle (S226).

When this process is completed, the applicant receives the deposit (S227), and the investor completes the investment (S228)

In the embodiment of the present invention as described above, since the loan requester has a collateral for a car, the approval rate is high due to the difficulty in screening as in the conventional crowdfunding, the investor also sets the collateral for the car, Legal proceedings (car auctions) and loan agreements with investors can protect investors' principal through automobile trading.

It is also possible to provide a car financing system and method that combines the advantages of crowdfunding and mortgage lending.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It will be appreciated that one embodiment is possible. Accordingly, the true scope of the present invention should be determined by the technical idea of the claims.

Claims (9)

A car-funding system for providing a car- booking service by being connected to at least one applicant terminal and an investor terminal through a network,
A database for storing loan applicant information, investor information and investment product information;
The method comprising the steps of: receiving vehicle information and loan desired amount from an applicant terminal of the applicant for a loan for a used car, registering a commodity on the basis of the provided vehicle information and loan desired amount, And a server for finishing the application when the requested amount of money is invested. The method of claim 1,
The database unit,
A member DB for storing information of applicants and investors,
A product information DB for storing vehicle information, loan limit information, desired loan amount information, and loan progress status,
A vehicle quota information DB for storing quotation information of the vehicle,
And a document information DB for storing document information related to a loan of the vehicle. 3. The method of claim 2,
The server comprises:
An information registration unit for receiving the vehicle information and the desired loan amount of the used car from the applicant terminal and registering the information in the product database;
Providing information on products registered in the commodity database in response to a request from the investor terminal, receiving an application for investment in the commodity according to the selection of the investor terminal, finishing when the sum of the investors' And an investment progress section for performing the investment management process. 4. The method of claim 3,
Wherein the investment progressing unit determines that the total investment amount of the investors is equal to or less than the desired loan amount. 5. The method of claim 4,
The server,
Wherein the requested loan amount is determined within a loaned line entered by the manager terminal. The method of claim 5,
Wherein the commodity registration unit receives the loan ceiling amount from the manager terminal and provides the loan ceiling amount to the applicant terminal, and the loan applicant inputs the desired loan amount less than the loan ceiling amount. A car-funding method of a car-funding system for providing a car- booking service by being connected to at least one applicant terminal and an investor terminal through a network,
The server receiving the car information of the used car from the applicant terminal of the applicant of the loan and providing the credit limit amount;
Receiving the desired loan amount from the applicant terminal and registering the commodity;
Providing the product information registered as an investment target by the server at the request of the investor terminal;
And finishing when the server receives the investment amount according to the selection of the investor terminal and the investment amount of the investor reaches the loan desired amount. 8. The method of claim 7,
Further comprising the step of the server determining that the total amount of the investment is less than the desired amount of the loan, the server determining that the total amount of the investment is less than the desired amount. 9. The method of claim 8,
Wherein the requested loan amount is determined within a loan amount inputted by the manager terminal.

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