KR20180093718A - Mortgage pawn management system - Google Patents

Abstract

The present invention relates to a system for remotely managing an asset collateral, to manage an asset collateral in real time, to prevent damages from occurring by predicting any signs of bad debt through the real-time management of the asset collateral, and to recognize an asset collateral management state of a manager of the asset collateral in real time. A system for managing an asset collateral includes: a smart tag attached to the asset collateral and provided to generate bad debt prediction information of the asset collateral, generate abnormality detection information by detecting an abnormal state of the asset collateral, and transmit the generated bad debt prediction information and abnormality detection information as monitoring information to a remote place; and an asset management unit receiving the monitoring information of the asset collateral transmitted from the smart tag, processing an event by analyzing the received monitoring information, analyzing the bad debt prediction information, and transmitting the analyzed bad debt prediction information to a manager of the asset collateral when any signs of the bad bet are predicted.

Description

Mortgage pawn management system

The present invention relates to a movable property collateral management system, in particular, real-time control of movable property collateral, real-time control of movable property collateral, The present invention relates to a movable property security management system that can grasp real-time information.

In recent years, as a collateral for bank loans, collateral has been set up not only for real estate but also for various tangible assets such as factory facilities, raw materials, products and crops. Loans using such mortgage collateral are subject to control of movable property collateral in institutions that have executed the loan (banks, financial institutions other than banks).

If the collateral is located at a remote place for the lending institution, it is difficult for the lending institution to monitor the collateral in real time. Loss of time, traffic inconvenience and expense due to periodic visits by lending agency personnel to monitor movable property collateral, resulting in an increase in mortgage lending rates.

As a result, there has been a steady increase in the demand for the improvement of the control efficiency of the movable property collateral.

Conventional techniques for improving the control efficiency of the above-mentioned movable asset collateral are disclosed in Patent Documents 1 to 6.

The prior art disclosed in Patent Document 1 is a portable reader that transmits an AIDC terminal, movable object information and / or movable property security information attached to a moving object, a database that stores moving object information and / or movable property collateral information, , And a display unit for displaying moving image information and / or movable security information on a screen.

Through this configuration, it is possible to utilize the DB efficiently by using computer and the Internet, and to provide systematic asset facility management (A / FM) service by managing individual or collective property with AIDC terminal.

In addition, the prior art disclosed in Patent Document 2 includes a photographing unit for photographing the collateral in real time or periodically, a management unit for managing the information of the collateral, a comparison unit for comparing the information of the collateral managed by the management unit in real- And a surveillance unit for monitoring whether or not the state of the collateral is changed by analyzing the collateral management system.

According to this configuration, real-time control of the collateral can be performed, contributing to improvement of the efficiency of the collateral management.

Also, in the prior art disclosed in Patent Document 3, a collateral management unit that manages information on collateral of a financial institution, a security guard management unit that manages information on the security guard of the collateral, a manager of the collateral, A chat processing unit for providing a chat function so that real-time data transmission and reception can be performed between the authentication processing unit, the manager and the security guard, and an expense recording unit for receiving and storing the security guard's contents at each preset time, Implement the expense management device.

With this configuration, communication between the manager and the security guard can be made more smooth using the mobile terminal such as a smart phone, and the management of the security can be more thoroughly performed.

In addition, the prior art disclosed in Patent Document 4 is a system in which data of a plurality of sensors installed in a moving object and a plurality of sensors are transmitted and analyzed to store the state of the moving object, whereby a plurality of movable object information and / If it is set, the movable property security information is converted into a database, and the moving object is managed using the database.

In addition, the prior art disclosed in Patent Document 5 can periodically check an event and a risk level, which are signs of a change occurring in a collateral terminal, in particular, in a first occurrence phase, the collateral is tracked and managed, By confirming the collateral directly on site, it is possible to check the change situation of the collateral in a step-by-step manner, so that the collateral can be prevented from disappearing.

The prior art disclosed in Patent Document 6 is a collateral terminal provided in a collateral or a collateral to be provided as collateral to a creditor when a debtor lends the collateral to generate event information by detecting a change in the collateral, A central management server for receiving and managing the event information generated by the collateral terminal, and a monitor terminal for checking the event information and / or the change of the collateral according to the degree of risk sent from the central management server through the wired / wireless communication network, Implement a surveillance system.

Through such a configuration, it is possible to check the fluctuation of the collateral immediately without visiting by checking the event and the risk level, which are fluctuation indications occurring in the collateral terminal, so that the collateral can be prevented from disappearing.

Korean Registered Patent No. 10-1022762 (Registered Mar. 23, 2011) (Moving Management System Using Automatic Recognition Data Collection Technology and Method of Operation) Korean Registered Patent No. 10-1288268 (Registered on July 15, 2013) (Collateral Control System and Method) Korean Patent Laid-Open No. 10-2014-0124072 (disclosed on Apr. 24, 2014) (Expenditure management apparatus and method of collateral) Korean Registered Patent No. 10-1492592 (Registered on February 5, 2015) (Moving Management System) Korean Patent Laid-Open No. 10-2014-0112951 (Published on April 24, 2014) (Monitoring System of Liquidity and Monitoring Method of Liquidity of Liquidity) Korean Registered Patent No. 10-1260481 (Registered on March 26, 2013) (Monitoring system of collateral and monitoring method of collateral using wireless communication network)

However, the above-mentioned related arts have some disadvantages in that it is possible to manage the movement status of the collateral through the location information at a remote place, but it is impossible to predict the risk burden by checking the operation record of the collateral.

In addition, the above-described conventional techniques have a disadvantage in that it is difficult to easily manage the manager for managing the collateral.

Accordingly, the present invention has been proposed in order to solve all the problems occurring in the related art as described above, and real-time control is performed on movable property collateral, and real-time control of movable property collateral is predicted And to provide a movable property security management system that can grasp real-time management status of movable property managers' movable property.

In order to achieve the above-mentioned object, the movable property security management system according to the present invention is attached to movable property collateral, generates non-performing loan projected information of the movable property collateral, detects abnormal state of the movable property collateral, A smart tag for transmitting the generated non-performing loan forecast information and the anomaly detection information to the remote site as control information; And an asset management unit for receiving the management information of the movable security transmitted from the smart tag, processing the event through analysis of the received management information, analyzing the non-performing loan forecast information, and notifying the manager of the non-performing bond .

In the above, the smart tag generates the driving information of the movable security as the non-performing loan forecast information.

In the above, the smart tag automatically accesses the collateral manager terminal when the collateral manager terminal managing the movable asset collides with the communication range, acquires the collateral manager information, and transmits the acquired collateral manager information to the asset manager .

In this case, the smart tag includes a state sensing unit for sensing the state of the movable asset and the smart tag; An information control unit for generating non-performing loan forecast information and anomaly detection information based on the state detection value detected by the state detection unit, controlling the transmission to the asset management unit, and generating and transmitting to the asset management unit, .

Wherein the status sensing unit comprises: a detachment sensor for detecting detachment of the smart tag from the mobile security; A battery cover sensor for detecting opening or breakage of the battery cover of the smart tag; A vibration sensor for detecting vibration due to use of the movable property collateral; A height sensor for detecting a height change according to a change in the position of the movable security; And a movement detector for detecting a movement in accordance with the position change based on the time and position information detected by the GPS module.

The smart tag may further include a communication unit for transmitting and receiving control information through communication with the asset management unit and obtaining collateral manager information through automatic connection with the collateral manager terminal.

The information control unit includes a state detection signal input module receiving a state detection value sensed by the state sensing unit; An event information generation module for analyzing the state detection value input from the state detection signal input module and generating event information; A driving information generating module for analyzing the state detection value and generating driving information for predicting non-performing loans; A collateral manager management information generation module for generating collateral manager management information based on information acquired through communication with the collateral manager terminal; And an information transmission module for transmitting the event information, the driving information, and the collateral manager management information to the asset management unit.

The information control unit transmits and receives the control information through the communication with the asset management unit, controls the smart tag based on the control information received when the control information is received, and controls the alarm generation. Further comprising an operation mode control module for controlling an operation mode of the smart tag,

The operation mode control module includes a general mode for performing external motion and self-security detection; A sleep mode that waits for a response after an event mode alarm; An event mode in which an alarm is generated in the event of movement or detachment of movable property; And an analysis mode for analyzing the external motion itself.

Wherein the asset management unit includes an event processing unit for receiving the management information through wireless communication with the smart tag and processing the event information included in the received management information; A non-performing credit indicator predicting unit for analyzing operating information included in the control information and predicting a bad credit indication; An event / non-performing credit information information transmission unit for generating event information or non-performing credit risk information at the time of occurrence of an event or predicting a bad credit event and transmitting it to the asset manager terminal; And a control unit for analyzing the received control information and interworking with the smart tag wirelessly according to an analysis result to control remote control of the smart tag.

According to the present invention, there is an advantage that real-time control of the movable property collateral is performed and the indications of the non-performing property are predicted through the real-time control of the movable property collateral, thereby preventing the damage of the secured lender.

Further, according to the present invention, it is possible to conveniently grasp the moving state management status of the movable property collateral manager at a remote location in real time, and to optimize the management of the movable property collateral and the collateral manager.

1 is a schematic block diagram of a moving management system according to the present invention;
FIG. 2 is a block diagram of an embodiment of the moving image management system of FIG.
Figure 3 is an illustration of the smart tag of Figure 1,
FIG. 4 is a block diagram of an embodiment of the information control unit of FIG. 1;
5 is a block diagram of an embodiment of the asset management unit of FIG.

Hereinafter, a moving image management system according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

2 is a block diagram showing an embodiment of the moving-matter management system according to an embodiment of the present invention. The smart tag 100 attached to the movable personal- An asset management unit 200, a collateral manager terminal 300, and an asset manager terminal 400.

The smart tag 100 is attached to the movable property collateral 1 in a state that it contains wake-up information and a unique number for identifying the smart tag 100 is registered, and the non- Generates the anomaly detection information by detecting the anomaly state of the movable property collateral 1, and transmits the generated anomaly forecast information and the anomaly detection information to the remote site as control information.

The smart tag 100 generates driving information of the movable cargo 1 as the non-performing loan forecast information, and when the security manager terminal 300 managing the movable cargo 1 approaches the communication range, It is preferable to connect with the asset management unit 300 to acquire the collateral manager information and transmit the acquired collateral manager information to the asset management unit 200.

The smart tag 100 includes a power switch 110 for determining the presence or absence of an operation, a movable security 1 and a state sensing unit 120 for sensing a state of the smart tag 100, a power supply unit (130), generates the non-performing loan forecast information and the anomaly detection information based on the state detection value sensed by the state sensing unit (140), controls the transfer to the asset management unit (200) A display unit 150 for visually displaying an operation state of the smart tag 100, a display unit 150 for receiving a GPS signal through a GPS satellite, A GPS module 160 for extracting information, a storage unit 170 for storing a unique number for identifying itself and storing the acquired state information, and a communication unit 160 for communicating with the asset management unit 200 to transmit / And a communication unit 180 for obtaining the collateral manager information through communication with the collateral manager terminal 300.

The battery is a non-rechargeable primary battery, and a 3.0V Lithium battery can be used.

Here, the communication unit 180 can transmit / receive control information to / from the asset management unit 200 by various known wireless communication methods. In the present invention, LTE communication is used as a preferred embodiment.

In addition, the communication unit 180 connects with the collateral manager terminal 300 through a short-range wireless communication method. Herein, the short-range wireless communication method may be a known short-range wireless communication method such as Wi-Fi, Bluetooth, etc. In the present invention, it is assumed that Bluetooth short-range wireless communication is used.

The status detecting unit 120 may include a detachment sensor 121 for detecting detachment of the smart tag 100 from the mobile security 1, a battery for detecting opening or breakage of the battery cover of the smart tag 100, A cover sensor 122, a vibration sensor 123 for detecting the vibration due to the use of the movable cargo 1, a height sensor 124 for detecting a height change due to the change of the position of the movable cargo 1, And a movement detector 125 for detecting a movement in accordance with the positional change based on the time and position information detected through the movement sensor 125. [

3, the information control unit 140 includes a status detection signal input module 141 receiving the status detection values sensed by the status sensing unit 120, a status detection signal input module 141 An operation information generation module 143 for generating operation information for predicting the non-performing receipt by analyzing the status detection value, a security information generation module 143 for analyzing the status detection value, A collateral manager management information generation module 144 for generating collateral manager management information on the basis of information acquired through communication with the terminal 300, and transmitting the event information, the operation information and the collateral manager management information to the asset management unit 200 The information transmission module 145 transmits and receives the control information through the communication with the asset management unit 200 and controls the smart tag 100 based on the control information received upon receiving the control information , It comprises a control module 146, the operation mode control module 147 for controlling the operation mode of the smart tag 100 which controls the event of an alarm.

The operation mode control module 147 includes a general mode for executing external motion and self-security detection, a sleep mode for waiting for a response after an event mode alarm, an event mode for generating an alarm in the event of movement or detachment of the movable property, And an analysis mode for analyzing itself.

Meanwhile, the asset management unit 200 receives the control information of the movable property collateral (1) transmitted from the smart tag 100, processes the event through analysis of the received control information, analyzes the non-performing loan forecast information It serves to notify the manager of the bad credit indications.

4, the asset management unit 200 includes a control information receiving unit 210 for receiving control information through wireless communication with the smart tag 100, a control information storage unit (not shown) for storing the received control information An event processing unit 230 for processing the event information included in the received control information, a non-performing event notification predicting unit 240 for analyzing the operation information included in the control information and predicting the non-performing event, And an event / non-performing credit information transmission unit 250 for generating event information or non-performing credit risk information at the time of predicting the non-performing credit risk and transmitting the information to the asset manager terminal 400. The control unit 250 analyzes the received control information, A control unit 260 that controls the control of the smart tag 100 remotely in cooperation with the smart tag 100 in a wireless manner, a control unit 260 that controls the smart tag 100, And a transmission unit 270.

The security manager terminal 300 is a terminal carried by a manager who manages the movable security 1. The security manager terminal 300 stores the security manager information and transmits the security manager information to the smart tag 100 when short- To the tag 100. Such a collateral manager terminal 300 is a mobile terminal carried and used by a collateral manager, and various mobile terminals can be used. In the present invention, it is assumed that a smart phone is used as a preferred embodiment.

In addition, the asset manager terminal 400 is a terminal used by an asset manager that manages the movable property 1 as an asset. The asset manager terminal 400 receives an event and / or a non-performing event indication prediction information in cooperation with the asset management unit 200 .

The operation of the mortgage security management system according to the present invention will be described in detail as follows.

First, an asset manager who provides a mortgage with a mortgage, requests the mortgage management of the asset manager 200 to provide the mortgage with the mortgage.

Here, in order to manage the movable property collateral, the smart tag 100 for the control should be installed in the movable property collateral (1) in advance.

As shown in FIG. 3, the smart tag 100 is assumed to be installed at a predetermined position in the body 101 by distributing a wicket 190 for authentication. Herein, the smart card includes a unique number (ID) for identifying the smart tag.

A battery 131 for power supply is mounted inside the smart tag 100 equipped with the core 190 and the battery cover is closed after mounting the core 190 and the battery 131, And fixedly mounted on the movable property collateral (1). Here, it is preferable that the smart tag 100 is mounted on the movable asset 1 by adopting various known fixing methods (adhesion, attachment, fastening, etc.) as it is.

When the power switch 110 of the smart tag 100 is turned on, the information control unit 140 controls the display unit 150 to visually indicate that the smart tag 100 is operating. Here, the display unit 150 may illuminate a green light when the smart tag 150 operates normally using a light emitting diode, and may turn on a red light when the smart tag 150 operates abnormally due to a failure or other error, So that the operation of the smart tag 100 can be confirmed.

When the smart tag 100 starts operating normally, the smart tag 100 is operated according to the operation mode.

Here, the operation mode includes a general mode for detecting external motion and self-security, a sleep mode for waiting for a response after an event mode alarm, an event mode for generating an alarm notification when the device is moved and removed, and an analysis mode for self- Means one mode.

In the normal mode, the external motion and the self-security are detected through the sensor performing the sensing operation, and the information control unit 140 is not operated. The sleep mode does not perform the sensing operation and the information control unit 140 is not operated. The event mode is an operation mode in which an external motion and self-security are sensed through a sensor performing a sensing operation and an information control unit 140 is also operated. The analysis mode is an operation mode in which an external motion and self-security are sensed through a sensor performing a sensing operation and the information control unit 140 is also operated.

In the initial stage of detecting the state of the smart tag 100 and the movable property collateral 1, it operates in a normal mode to detect external motion and self-security, and the information control unit 140 does not operate.

The status sensing unit 120 acquires the current time and position information through the GPS module 160 and acquires the abnormal situation of the smart tag 100 or the abnormal situation of the movable property collateral 1, (1), and transmits the extracted information to the information control unit (140).

For example, when the smart tag 100 is detached from the movable asset 1, the on / off switch detects the on / off switch and transmits the detachment detection information to the information control unit 140.

When the cover of the battery is forcibly disconnected, the battery cover detector 122 senses the battery cover cover and transmits the battery cover opening detection information to the information controller 140.

When the smart tag 100 is damaged, the vibration sensor 123 detects the vibration occurring when the equipment is damaged by using the acceleration sensor, and transmits the vibration detection information to the information control unit 140.

The height sensor 124 senses the orientation and tilt of the smart tag 100 using a magnetic field sensor and transmits the orientation and tilt sensing values to the information control unit 140 as height sensing information.

In addition, the movement detector 125 acquires position information in real time through the GPS module 160, compares position information acquired previously at predetermined intervals with currently acquired position information, and when the position information is different, To the information control unit 140 as information.

Although an acceleration sensor is used for vibration detection and a magnetic field sensor is used for height detection, the present invention is not limited thereto. Various sensors known for vibration detection can be used. Various sensors known for height detection Can be used.

The information control unit 140 stores various state detection signals detected by the state detection unit 120 as described above and simultaneously analyzes the events to generate the event occurrence state and the running information of the movable property 1. [

For example, the status detection signal input module 141 receives the detachment detection information, the battery cover opening detection information, the vibration detection information, the height detection information, and the movement detection information sensed by the status sensing unit 120, .

Then, the information control unit 140 switches to the analysis mode, analyzes the state detection signal, and determines whether it is an event state or a normal state.

That is, the event information generating module 142 generates the event information when the state detection signal includes a detachment detection signal or a battery cover opening signal. If there is no vibration detection signal and there is an azimuth / slope change value, it generates event information that the movable property collateral 1 is moving (stolen), and even if there is a vibration detection signal and azimuth / 1) is moving (stolen). Here, if the vibration detection signal is generated for a short time and the azimuth / slope change value is small, it is determined that the direction or the like has moved from the current position, and no event is generated.

In addition, when the event generation module 142 interrupts communication due to flooding or intentional equipment damage in conjunction with the communication unit 180, the event information generation module 142 generates event information.

The generated event information is transmitted to the asset management unit 200 through the LTE communication in real time through the information transmission module 145 as the control information.

The control information receiving unit 21 of the asset management unit 200 receives the control information and checks authentication information (for example, a unique number) for authentication of the smart tag 100 included in the control information, If the authentication information is received, the received control information is stored in the control information storage unit 220. If the received control information is event information, the event processing unit 230 generates an alarm message based on the event information. The generated alarm message is transmitted in the form of a text message to the asset manager terminal 400 registered in advance via the event / non-performing account information transmission unit 250.

Therefore, the asset manager continuously recognizes the occurrence of an event in real time even if it visually confirms the control information of the movable asset (1) or does not hear the alarm that is generated from the asset management unit (200). And, by taking quick follow-up action according to the recognized event, the loss of assets can be prevented in advance.

On the other hand, the travel information generating module 143 in the information control unit 140 combines vibration, azimuth and tilt information in the state detection signal to generate travel information of the movable property collateral (1).

For example, if there is a vibration detection signal and there is no azimuth and tilt change, the operation information is generated as a result of the operation of the movable property collateral 1. If there is no vibration detection signal and there is no azimuth and tilt change, And generates driving information as a result of this non-driving operation.

The generated driving information is generated as control information for predicting the non-performing loan indications of the movable property 1, and is transmitted to the asset management unit 200 through the information transmission module 145 at regular intervals through the LTE communication. Here, it is also possible to transmit the driving information in real time. However, in this case, load due to data transmission is increased, power consumption of the battery is increased, and frequent replacement of the battery is inconvenient. Therefore, .

The control information receiving unit 210 of the asset management unit 200 receives the control information including the driving information and stores the received control information in the control information storage unit 220. In addition, the nonperishable bond symptom prediction unit 240 analyzes the operation information stored in the control information storage unit 220 and predicts a non-performing bond symptom. For example, when the moving property collateral 1 is not operated for a long period of time as compared with the previous operating pattern as a result of analyzing the travel information, it is predicted as a bad credit claim and a bad message prediction message is generated as a text message.

The thus generated bad debt symptom prediction information is transmitted to the asset manager terminal 400 through the event / non-performing credit risk information transmitting unit 250. Even if the asset manager does not directly check the operation status of the movable property collateral (1), the asset manager can recognize the indication of the non-performing loan based on the predicted information on the non-performing loan.

Thus, by following up quickly in accordance with the perceived bad debt indications, it is possible to prevent further loss problems from bad debts in advance.

In other words, the present invention analyzes this based on the operating information (operation record) of the movable property collateral (1) and predicts the indication of the bad debt. If it is determined that there is a concern about the occurrence of the bad credit, (400), and the asset manager delivers it quickly. Thus, by predicting these bad debt indications, the asset manager can quickly recognize bad debt indications, minimizing the large losses that may arise from bad debts.

As another characteristic of the present invention, when the event information is received from the asset management unit 20 located at a remote location, it is also possible to remotely control the smart tag 100.

For example, when it is determined that event information is included in the control information received by the event processing unit 230, the control unit 260 recognizes the event information and performs remote control. Here, the remote control is an operation for remotely controlling the smart tag 100 in the asset management unit 200, for example, by operating the GPS module, generating an alarm, continuously requesting transmission of event status information, To the smart tag 100, and remotely controls the smart tag 100. [0050] FIG.

In addition, according to another feature of the present invention, the security manager managed by the movable property collateral 1 can be conveniently monitored in real time from a remote place.

For example, the security manager periodically visits the site in the movable property 1 to check the status of the movable property 1 and the status of the smart tag 100. [ At this time, in the past, the collateral manager directly visits the site where the movable property collateral (1) exists to acquire the state of the movable property collateral (1) and the state information of the smart tag (100) (1) in the manner of reporting to the manager. In this case, there is a drawback that it is difficult for the asset manager to accurately check whether the actual collateral manager visited the site.

In order to improve this, in the present invention, the communication unit 180 of the smart tag 140 automatically establishes a communication connection with the collateral manager terminal 300 when the collateral manager terminal 300 approaches a communication distance enabling short-range wireless communication . Then, when the communication connection is established, the collateral manager information is obtained from the collateral manager terminal 300. Here, it is assumed that the collateral manager information is registered in the collateral manager terminal 300 in advance. Upon acquiring the collateral manager information, the collateral manager management information generation module 144 of the information control unit 140 acquires the collateral manager management information including the acquired collateral manager information and the time and position information acquired through the GPS module 160 And transmits it to the information transmission module 145. The information transmission module 145 transmits the collateral manager management information to the asset management unit 200 through the LTE communication.

Here, it is preferable that the collateral manager management information is transmitted to the asset management unit 200 when acquiring the collateral manager information for the first time and acquiring the last collateral manager information. The method of acquiring the latest collateral manager information is such that the communication connection is canceled while the communication with the collateral manager terminal 300 is disconnected and the collateral manager information acquired on the basis of the time when the communication is finally connected after a predetermined period of time, .

The control information receiving unit 210 in the asset management unit 200 receives the security management information and stores it in the control information storage unit 220.

The asset manager can confirm the movable property management status of the security manager conveniently and accurately by checking the security manager management information stored in the control information storage unit 220. [

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 is obvious to those who have.

The present invention is applied to a technique that conveniently manages movable property collateral in real time in a remote place and conveniently manages movable property collateral manager.

100: smart tag
120:
121: Detachment Detector
122: Battery Cover Detector
123: Vibration detector
124: height detector
125: Movement Detector
140:
141: Status detection signal input module
142: Event information generation module
143: Operation information generation module
144: Mortgage Manager Management Information Generation Module
145: Information transfer module
146: Control module
147: Operation mode control module
150:
160: GPS module
180:
200: Asset Management Department
210: control information receiver
220: control information storage unit
230: Event processor
240: Bad Debt Indication Prediction Department
250: Event / Non-performing Bond Indication Information Transmission Department
260:
300: Mortgage Manager Terminal
400: Asset manager terminal

Claims (10)

A system for managing movable property collateral,
The method includes the steps of: generating bad loan forecast information of movable property collateral, detecting abnormal state of the movable property collateral to generate anomaly detection information, and transmitting the generated bad loan forecast information and anomaly detection information to the remote site Smart tags; And
And an asset management unit for receiving the management information of the movable security transmitted from the smart tag, processing the event through analysis of the received management information, analyzing the non-performing loan forecast information, and notifying the manager of the non- Wherein the system comprises:
The mobile security management system according to claim 1, wherein the smart tag generates driving information of the movable security as non-performing loan forecast information.
The smart tag according to claim 1, wherein the smart tag automatically accesses the collateral manager terminal when the collateral manager terminal that manages movable property collateral approaches a communication distance, acquires collateral manager information, and transmits the obtained collateral manager information to the asset manager Wherein said system comprises:
The smart tag according to claim 1, wherein the smart tag includes: a status sensing unit for sensing a status of a mobile security and a smart tag; An information control unit for generating non-performing loan forecast information and anomaly detection information based on the state detection value detected by the state detection unit, controlling the transmission to the asset management unit, and generating and transmitting to the asset management unit, Wherein the mortgage security management system comprises:
[Claim 4] The system of claim 4, wherein the status detector comprises: a detachment sensor for detecting detachment of the smart tag from the mobile security; A battery cover sensor for detecting opening or breakage of the battery cover of the smart tag; A vibration sensor for detecting vibration due to use of the movable property collateral; A height sensor for detecting a height change according to a change in the position of the movable security; And a movement detector for detecting movement in accordance with the position change based on the time and position information detected by the GPS module.
[Claim 4] The system of claim 4, wherein the smart tag further comprises a communication unit for transmitting / receiving control information through communication with the asset management unit and obtaining collateral manager information through automatic connection with the collateral manager terminal.
The information control unit may further include a state detection signal input module receiving the state detection value detected by the state detection unit; An event information generation module for analyzing the state detection value input from the state detection signal input module and generating event information; A driving information generating module for analyzing the state detection value and generating driving information for predicting non-performing loans; A collateral manager management information generation module for generating collateral manager management information based on information acquired through communication with the collateral manager terminal; And an information transmission module for transmitting the event information, the driving information, and the collateral manager management information to the asset management unit.
[14] The system of claim 7, wherein the information control unit transmits / receives control information through communication with the asset management unit, controls the smart tag based on the control information received when the control information is received, and controls alarm generation; Further comprising an operation mode control module for controlling an operation mode of the smart tag.
The method of claim 8, wherein the operation mode control module comprises: a general mode for performing external motion and self-security detection; A sleep mode that waits for a response after an event mode alarm; An event mode in which an alarm is generated in the event of movement or detachment of movable property; And an analysis mode for analyzing the external motion itself.
The system of claim 1, wherein the asset management unit comprises: an event processing unit for receiving control information through wireless communication with the smart tag and processing event information included in the received control information; A non-performing credit indicator predicting unit for analyzing operating information included in the control information and predicting a bad credit indication; An event / non-performing credit information information transmission unit for generating event information or non-performing credit risk information at the time of occurrence of an event or predicting a bad credit event and transmitting it to the asset manager terminal; And a control unit for analyzing the received control information and interworking with the smart tag wirelessly according to an analysis result to control remote control of the smart tag.

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