KR20200107628A - System for providing information to used car loan using location information and method thereof - Google Patents

Abstract

The present invention relates to a system for providing used car loan information using location information to simplify a procedure for requesting service and a method thereof. According to the present invention, the system comprises: a communication unit receiving a service request for a used car trading loan including customer information and loan information from a user terminal or a financial institution server and transmitting a report corresponding to the service request to the user terminal or the financial institution server; an identification unit performing identification with a user terminal of a user who wants the used car lean linked with the service request and performing an agreement procedure for providing a service; an information collection unit, when the identification unit completes the identification and the agreement procedure, collecting location information and a used car image of a current point of time from the user terminal and accessing a server of a public institution or a constructed database to collect information related to the used car; an information analysis unit analyzing the location information and used car image collected by the information collection unit to check the presence of the used car and investigating the information related to the used car to calculate a proper loan limit of the used car when the normal presence of the used car is checked; and a report making unit making a first report including the proper loan limit calculated by the information analysis unit in response to the service request.

Description

System for providing used car loan information using location information and its method {SYSTEM FOR PROVIDING INFORMATION TO USED CAR LOAN USING LOCATION INFORMATION AND METHOD THEREOF}

A system and method for providing used car loan information using location information are provided.

With the development of the mobile environment, ordinary people can easily check the market price of used cars within tens of seconds to minutes and apply for used car loans to know the loan limit.

However, such a used car transaction price is an average transaction price based on the type and year of the vehicle, and it is often insufficient to calculate the loan amount and the loan limit in an actual financial institution.

In addition, since a used car transaction requires confirmation of the existence of a real used car, a person must visit a place in the vehicle and check it visually.

In order to omit the process of checking the actual used car, the risk of financial institutions increases, and it is more likely to be conservative rather than accurate in calculating the loan limit.

Accordingly, a method is used to properly calculate the loan limit and increase the reliability of the vehicle based on vehicle-related documents containing vehicle information, but there are many types of documents that the customer must prepare, and the authenticity of the documents is also used. It takes considerable time and effort, such as having to check.

Therefore, there is a need for a technology capable of providing accurate and appropriate loan limit calculations without having to directly check the real thing.

The problem to be solved by one embodiment of the present invention is to simplify service request and to promptly check the vehicle and provide a result in order to help financial institutions and loan applicants decide on the loan progress in the used car loan process.

The problem to be solved by one embodiment of the present invention is to provide necessary information to financial institutions and customers, respectively, by calculating an appropriate loan limit using various information of a vehicle.

The problem to be solved by one embodiment of the present invention is to provide data to a financial institution by converting vehicle information into data during a service period.

In addition to the above tasks, it can be used to achieve other tasks not specifically mentioned.

The system for providing used car loan information according to an embodiment of the present invention receives a service request for a used car trading fund loan including customer information and loan information from a user terminal or a financial institution server, and sends a report corresponding to the service request to the user. The communication unit that transmits to the terminal or financial institution server, the user terminal of the user who wishes to borrow used car trading funds linked to the service request, and the identity authentication unit that performs the consent procedure to provide the service, and the identity authentication unit Upon completion of the consent process, an information collection unit and an information collection unit that collects the location information of the current time and images of used cars at the current time from the user terminal, and collects information related to used cars by accessing a server of another institution or a pre-built database Analyzes the location information and used car images collected by the company to check the existence of used cars, and if the normal existence of the used cars is confirmed by investigating the information related to the used cars, the information analysis unit calculates the appropriate loan limit for used cars, and information in response to service requests. It includes a report preparation unit that prepares the first report including the appropriate loan limit calculated by the analysis unit.

The information collection unit includes customer information including the name, gender, and phone number of the borrower who wishes to borrow used car sales funds, and basic information of used cars corresponding to the loan information including the date of loan announcement, transaction price, accident history, ownership transfer history, and seniority. It is possible to collect information related to used cars about rights and whether or not there is an ongoing loan for used cars.

The information analysis unit checks the existence of a used car, checks whether the used car is a normal vehicle, and if the vehicle presence check unit verifies that the used car is a normal vehicle, basic information of the used car, transaction price, accident history, ownership transfer A vehicle history check unit that checks whether a risk factor for a used car loan exists among the history, senior rights, and whether or not there is a risk factor for a used car loan, and when the vehicle history check unit determines that the risk factor is lower than a preset threshold, information is collected. It may include a loan limit calculator that calculates an appropriate loan limit for the used car based on the information related to the used car collected from the department.

The loan limit calculation unit is a system for providing used car loan information that calculates an appropriate loan limit (x) for a used car using the following equation.

Here, when Max [A] is the highest transaction price, B is the highest priority bond, P is the residual price rate, k is the number of sales, and Qk is k, the repair cost may be indicated.

When the report preparation unit receives the intention to proceed with the loan corresponding to the first report from the financial institution's server, it checks the ownership transfer information of the used car in real time until the day of the loan, and creates a second report including whether or not changes have occurred. , The secondary report can be sent to the financial institution server.

When a loan from a financial institution is executed, based on a preset schedule, a management unit may further include a management unit that makes a request for identity verification or a request for a used car image, checks the vehicle registration source of the used car, and creates a post report including the contents of the vehicle registration source. .

Upon receiving a service request from the user terminal, the report preparation unit can prepare a first report including information on the cost of buying and selling used cars, including transaction prices for used cars, senior rights, accident history, and appropriate loan limits.

The service providing method of the used car loan information providing system according to an embodiment of the present invention is the step of receiving a service request for a used car trading fund loan including customer information and loan information from a user terminal or a financial institution server, interlocking with the service request Performing self-authentication with the user terminal of the user who wishes to borrow used car trading funds, allowing location information and requesting a used car image when self-authentication is completed, receiving location information and photographed used car images from the user terminal, and service request Based on the steps of collecting the information related to the used car through a server of another institution or a database built in advance, the presence of the used car is checked by examining the received location information, used car image, and information related to the collected used car. It includes calculating an appropriate loan limit, preparing a first report including information related to the identified used car and an appropriate loan limit, and sending the first report to a user terminal or a financial institution server.

According to an embodiment of the present invention, it is possible to minimize the loss of manpower and time required by an existing system that must be visited by a person by checking whether a vehicle actually exists using location information.

In addition, it is possible to minimize the time and effort required to provide loan availability and appropriate loan limit so that quick decisions can be made.

1 is an exemplary diagram showing a communication network including a system for providing used car loan information according to an embodiment of the present invention.
2 is a block diagram showing a system for providing used car loan information according to an embodiment of the present invention.
3 is a block diagram showing an information analysis unit according to an embodiment of the present invention.
4 is a flowchart illustrating a process of providing information related to used car loan in a system for providing used car loan information according to an embodiment of the present invention.
5 is a flowchart illustrating a loan execution and continuous information provision after completion of the loan execution of the used car loan information providing system according to an embodiment of the present invention.

Embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art may easily implement the present invention. The present invention may be implemented in various different forms, and is not limited to the embodiments described herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and the same reference numerals are used for the same or similar components throughout the specification. Also, in the case of well-known technologies, detailed descriptions thereof will be omitted.

Throughout the specification, when a part "includes" a certain component, it means that other components may be further included rather than excluding other components unless otherwise stated.

1 is an exemplary diagram showing a communication network including a system for providing used car loan information according to an embodiment of the present invention.

As shown in FIG. 1, the used car loan information providing system 300 is connected to a user terminal 100, a financial institution server 200, and a pre-built database 400 through a network to transmit and receive data.

Here, the network may include all types of communication networks that transmit data, such as a wired communication network, a short-range or long-distance wireless communication network, and a network in which they are mixed.

First, the user terminal 100 represents a device including a camera for photographing images and a function of measuring real-time location information, such as a GPS, as a user terminal of a person wishing to borrow a used car trading fund.

For example, it represents a personal computer, a handheld computer, a personal digital assistant (PDA), a mobile phone, a smart device, a tablet, and the like, but is not limited thereto.

On the other hand, the user terminal 100 is installed with an application (application) interlocked with the used car loan information providing system 300, it is possible to transmit and receive data with the used car loan information providing system 300 through the application.

The application installed in the user terminal 100 may be set to allow access to some functions such as user authentication, location information, and photos upon obtaining user consent.

In addition, when a request is received from the used car loan information providing system 300, the request is notified through a notification function set in the user terminal 100, and a notification window may be provided in the form of a pop-up.

Next, the financial institution server 200 is a server of an institution that performs a used car loan. Upon receiving a loan application from the user terminal 100, the financial institution server 200 transmits a service request to the used car loan information providing system 300 for quick information acquisition.

At this time, the financial institution server 200 receives a loan application and consent for the use of personal information from the user terminal 100 together, and sends a service request including the personal information of the loan applicant and the loan application information to the used car loan information providing system ( 300).

In addition, upon receiving a report on a service request, the financial institution server 200 may perform a loan by calculating a used car loan, a loan amount, and a loan interest rate based on the report.

In addition, the financial institution server 200 may inform the used car loan information providing system 300 of the loan execution by transmitting a notification to the used car loan information providing system 300 while performing a loan, and request monitoring during the loan period.

At this time, monitoring indicates whether or not there is any change based on the initial conditions of loans for used cars that are subject to collateral.

Next, when receiving a service request from the user terminal 100 or the financial institution server 200, the used car loan information providing system 300 collects and analyzes basic information about the used car, history, and whether or not a loan is in progress. Calculate the appropriate loan limit.

The used car loan information providing system 300 electronically processes the used car loan-related information, including the appropriate loan limit, to create and send a summary report.

In addition, the used car loan information providing system 300 may check whether or not there is a change according to a preset schedule based on the loan period, when the loan proceeds in the financial institution server 200, and create a report and send it.

The database 400 is interlocked with the used car loan information providing system 300 to store transaction prices, vehicle information, accident information, and the like.

The database 400 is shown separately from the used car loan information providing system 300, but may be included in the used car loan information providing system 300 according to an administrator later.

Hereinafter, a system for providing a used car loan information and a database built in advance will be described in detail with reference to FIGS. 2 and 3.

2 is a block diagram showing a system for providing used car loan information according to an embodiment of the present invention, and FIG. 3 is a block diagram showing an information analysis unit according to an embodiment of the present invention.

As shown in Fig. 2, the used car loan information providing system 300 includes a communication unit 310, an identity authentication unit 320, an information collection unit 330, an information analysis unit 340, a report preparation unit 350, and It includes a management unit (360).

First, the communication unit 310 receives a service request through communication with the user terminal 100 or the financial institution server 200, and when a report corresponding to the service request is created, transmits the created report.

Here, the service request includes, but is not limited to, customer information including the name, gender, and phone number of the person who wishes to borrow used car sales funds, and the loan information including the date of the loan announcement, and further includes information related to the service request. can do. In addition, the service request may include consent to the use of personal information from the user terminal 100.

In addition, the identity authentication unit 320 performs identity authentication to the user terminal 100 of the person who wishes to borrow used car trading funds linked to the service request and proceeds with a consent procedure to provide the service.

Specifically, the identity authentication unit 320 proceeds with the consent procedure for access to the camera and photos of the user terminal 100 and location information.

When the identity authentication unit 320 completes the identity authentication and consent process, the information collection unit 330 collects the location information of the current time and the used car image at the current time from the user terminal 100.

In addition, the information collection unit 330 accesses a server of another institution or a database 400 built in advance to extract and collect information related to used cars.

At this time, the pre-built database (system DB, 400) is a used car market price DB that is traded according to the vehicle name, type, year, and condition grade, an accident DB that stores car incidents and accident records, and a vehicle DB that stores basic information about the car. , But includes, but is not limited to, a duplicate DB that stores the status of loans using used cars.

In addition, the information collection unit 330 continuously updates the database 400 by comparing and storing information collected from one or more other institutional servers with information stored in the database 400.

In addition, the information collection unit 330 may create a DB of the database 400 and store contents related to the used car loan.

Next, the information analysis unit 340 analyzes the location information and the used car image collected by the information collection unit 330 to check whether a used car exists.

Then, the information analysis unit 340 examines the information related to the used car and, if it is confirmed that the used car is a normal vehicle, calculates an appropriate loan limit for the used car.

Here, the appropriate loan limit for the used car is customized for the used car requested for the service.

In addition, the process of checking the information related to the used car by the information analysis unit 340 may include a process of verifying the relevant information while checking whether there is related information.

3 shows the information analysis unit 340 in more detail.

As shown in FIG. 3, the information analysis unit 340 includes a vehicle presence check unit 341, a vehicle history check unit 342, and a loan limit calculation unit 343.

First, the vehicle presence check unit 341 checks whether a used car exists by analyzing the collected location information and used car image, and checks the registration source of the used car to confirm that the used car is a normally registered vehicle.

When the vehicle existence check unit 341 verifies that the used car is a normal vehicle, the vehicle history check unit 342 includes basic information of the used car, transaction price, accident history, ownership transfer history, senior rights, and whether or not a used car is loaned in progress. Among the information related to used cars, you can check whether there is a risk factor in lending to used cars.

When the vehicle history check unit 342 determines that the risk factor is lower than a preset reference value, the loan limit calculation unit 343 may calculate an appropriate loan limit based on the information related to the used car collected by the information collection unit 330. .

In detail, the loan limit calculation unit 343 calculates the appropriate loan limit for the used car using the vehicle transaction price, the senior right set for the vehicle, the residual price rate, the number of changes to the owner of the vehicle, the accident history of the used car, and the estimated repair cost of the used car. I can.

Next, in FIG. 2, the report preparation unit 350 prepares a primary report corresponding to a service request including an appropriate loan limit calculated by the information analysis unit 340.

The report creation unit 350 may create a customized first report according to whether the service request target is the user terminal 100 or the financial institution server 200.

For example, if the service request target is the user terminal 100, the report preparation unit 350 can quickly provide the used car market price, accident history, loan limit, and fund information necessary for the used car transaction before completing the used car transaction. You can create a report for used car transactions that allow you to do so.

In addition, if the service request target is the financial institution server 200, the report preparation unit 350 checks the verification details of the actual existence of the used car, which is the collateral of the loan, the appropriate loan limit calculated by analyzing in more detail, and the ownership change. You can create a report for used car loans that you can provide.

On the other hand, when the report preparation unit 350 receives the financial institution server 200 and whether or not the loan is in progress, it may create a secondary report corresponding to each.

Next, when a loan from a financial institution is executed, the management unit 360 requests identity authentication or a used car image to the user terminal 100 based on a preset schedule, or accesses the server of another institution to change the contents of the vehicle registration source of the used car. And prepare a follow-up report including the contents of the vehicle registration register.

The management unit 360 can repeatedly check the information on the used car as collateral based on the schedule set in week, month, and year for a certain period corresponding to the used car loan period, and immediately create a post report when it detects changes. I can.

Meanwhile, the used car loan information providing system 300 may be a server, a terminal, or a combination thereof.

The terminal is collectively referred to as a device having computational processing capability by having a memory and a processor, respectively. For example, there are a personal computer, a handheld computer, a personal digital assistant (PDA), a mobile phone, a smart device, a tablet, and the like.

The server is a memory in which a plurality of modules are stored, and a processor that is connected to the memory and reacts to the plurality of modules and processes service information provided to the terminal or action information that controls the service information, communication It may include means, and a UI (user interface) display means.

Memory is a device that stores information, and is non-volatile such as high-speed random access memory, magnetic disk storage, flash memory device, and other non-volatile solid-state memory devices. It may include various types of memories such as volatile memory.

The communication means transmits and receives service information or action information to and from the terminal in real time.

The UI display means outputs service information or action information of the device in real time. The UI display means may be an independent device that directly or indirectly outputs or displays the UI, or may be a part of the device.

Hereinafter, a process of providing information of a used car loan information providing system that provides customized information in response to a service request will be described in detail using FIGS. 4 and 5.

4 is a flowchart illustrating a process of providing information related to used car loan in a system for providing used car loan information according to an embodiment of the present invention.

Hereinafter, a process of providing used car loan-related information in a situation where the service client of the used car loan information providing system 300 is the financial institution server 200 will be described.

First, the user terminal 100 performs a loan application to the financial institution server 200 (S410). Here, the loan application includes consent to use of personal information, and may include basic information of a vehicle to be loaned and basic information of a loan applicant.

Then, the financial institution server 200 receiving the loan application from the user terminal 100 requests a service to the used car loan information providing system 300 (S415).

Here, the service request application may include customer information including a name, gender, and phone number and loan information including a loan announcement date, but may further include loan-related information.

The used car loan information providing system 300 performs identity authentication with the user terminal 100 of a person wishing to borrow a used car trading fund linked to a service request.

At this time, when an application that is linked with the used car loan information providing system 300 is installed in the user terminal 100, a user authentication agreement and a user authentication procedure may be performed through the application.

Next, the used car loan information providing system 300 requests location information and a used car image upon completion of identification (S430).

Here, the location information permission and the used car image request may be made in real time, and the used car loan information providing system 300 may request the location information and the used car image within a certain time period from the requested time.

In addition, the used car loan information providing system 300 may provide a certain standard for the used car image. For example, such as an image including the vehicle number of a used car, an image of the front, side, and rear of the used car, and an internal image including a specific area of the used car, the used car loan information providing system 300 provides a specific area of the used car vehicle. You can request to be photographed or request the minimum number of photographed images.

In this way, the user terminal 100 allows location information and, when a used car image is captured, transmits the location information of the current point of view and the image of the used car of the current point of view to the used car loan information providing system 300 (S440).

In other words, the used car loan information providing system 300 may receive location information and a photographed image at the time when the used car is photographed.

On the other hand, the used car loan information providing system 300, upon receiving the location information and the photographed image at the time the used car is photographed, uses an optical character reader/recognition (OCR) to retrieve the vehicle number of the used vehicle from the photographed image. Can be extracted.

In addition, the used car loan information providing system 300 detects and analyzes an edge that can determine the shape of the used car from the photographed image through an edge analysis algorithm, thereby generating damage information including distortion and damaged areas of the used car. I can.

The used car loan information providing system 300 has been described as using an optical character reading reader (OCR) or an edge analysis algorithm, but is not necessarily limited, and includes all readers or algorithms for extracting the vehicle number or detecting the outline of the vehicle. .

Next, the used car loan information providing system 300 collects information related to the used car through a server of another institution or a pre-built database 400 based on a service request (S450).

First, the used car loan information providing system 300 analyzes the used car information or photographed image based on the service request received from the financial institution server 200 and collects the used car and related information based on the recognized vehicle number of the used car.

Here, the information related to the used car includes, but is not limited to, basic information of the used car, transaction price, accident history, repair history, ownership transfer history, senior rights, and on-going loans for used cars. In addition, the transaction price may include the highest transaction price, the lowest transaction price, the average transaction price, or the trend of the transaction price over a certain period of time at the time of the investigation. In addition, the accident history indicates the history of an accident of a used car, and may include whether or not a violation of laws and regulations occurred based on the used car, and whether or not there is a penalty.

In addition, the used car loan information providing system 300 may store and update the collected information in the database 400 or may create and store a separate DB in the database 400 for information on a service request.

Next, the used car loan information providing system 300 investigates and confirms the collected information (S460).

In detail, the used car loan information providing system 300 checks the existence of the used car by examining the received location information, used car image, and information related to the collected used car, and calculates an appropriate loan limit for the used car.

First, the used car loan information providing system 300 can verify the existence of a used car by using location information at the time of photographing a used car image, and verify that the used car is a normal vehicle using the registration record and current owner information. .

For example, the used car loan information providing system 300 may determine the actual location of the used car by using the location information at the time of photographing. And the used car loan information providing system 300 It is possible to estimate whether it is a legitimate sale through the location of the actual used car. For example, if the location information is the address of a used car dealer or an address related to a seller, the used car loan information providing system 300 may verify that the vehicle is a normal vehicle by estimating the vehicle as a legitimate target for sale.

In addition, the used car loan information providing system 300 may analyze the image of the used car and estimate it as an abnormal vehicle when the damage information generated by analyzing the image of the used car is greater than or equal to the threshold value, and verify that the vehicle is a normal vehicle for sale if it is less than the threshold value.

In addition, when it is verified that the used car is a normal vehicle, the used car loan information providing system 300 may check whether there is a risk factor of lending a used car using information related to the used car.

In detail, the used car loan information providing system 300 is a risk factor for the collected used car related information such as transaction price, accident history, repair history, periodic inspection results, ownership transfer history, senior rights, and on-going loans for used cars. The number of checked risk factors may be calculated by calculating the score of or checking each item in which risk factors exist, but is not limited thereto. The method of calculating the risk factor value can be easily changed and designed by the manager in the future.

For example, if there is an accident history of the used car in the information related to the used car, the used car loan information providing system 300 may calculate a risk factor value differentially classified according to the size of the accident. In addition, if the accident is a human accident, a high risk factor value can be calculated, and a relatively inadequate contact accident can calculate a low risk factor value. Alternatively, the used car loan information providing system 300 may calculate that there are two risk factors if there is a repair history in information related to the used car, and if there is an accident history.

In addition, the used car loan information providing system 300 may compare a risk factor value of a loan for a used car with a preset reference value. Here, the preset reference value can be easily changed and set by an administrator later.

Used car loan information providing system 300, if the risk factor of the used car loan is higher than the preset reference value or if the risk factor related to the item directly related to the used car loan is checked, it is estimated as an abnormal case and the appropriate loan limit for the used car is determined. It can be counted as zero. For example, when the used car is not a normal vehicle or there is a loan currently in progress for the used car, the used car loan information providing system 300 immediately calculates the appropriate loan limit as 0 and proceeds to the next step.

In addition, the used car loan information providing system 300 may generate a blacklist for the estimated and confirmed used car and used car loan applicants, and separately store and manage them.

On the other hand, when the used car loan information providing system 300 determines that the risk factor of lending for the used car is lower than a preset reference value, the appropriate loan limit may be calculated based on the collected used car related information.

The used car loan information providing system 300 calculates the appropriate loan limit using the vehicle transaction price for the used car, the senior right set for the vehicle, the residual price rate, the number of changes to the owner of the vehicle, the accident history of the used car, and the estimated repair cost of the used car. can do.

In detail, the used car loan information providing system 300 may calculate an appropriate loan limit (x) for a used car using Equation 1 below.

[Equation 1]

Here, Max [A] is the highest trading price, B is the highest priority bond, P is the residual price ratio, k is the number of sales, and Qk is the repair cost.

Next, the used car loan information providing system 300 creates a first report including information related to the confirmed used car and an appropriate loan limit (S470).

The used car loan information providing system 300 uses the collected information and the calculated appropriate loan limit to create a first report to respond to the purpose of the service requestor for examining whether a loan applicant has a loan.

The used car loan information providing system 300 arranges the used car information important for determining whether or not to borrow in priority order, and can intuitively create a first report using a used car image, chart, graph, table, and the like.

In addition, the used car loan information providing system 300 may determine the loan adequacy based on the survey result and write it in the first report.

In addition, when there is a report format requested for each financial institution server 200, the used car loan information providing system 300 may create a first report corresponding to the report format.

On the other hand, when the service requester is the user terminal 100, the used car loan information providing system 300 arranges the information necessary for the person wishing to borrow used car trading funds first, and intuitively creates a first report using charts, graphs, and tables. I can.

For example, the used car loan information providing system 300 may create a first report including cost information for buying and selling the used car, including the sale price for the used car, senior rights, accident history, and an appropriate loan limit.

In other words, the used car loan information providing system 300 may create a first report based on information on used cars for determining a used car sale transaction or cost information required for buying and selling used cars, and provide the first report to the user terminal 100. .

In this way, the used car loan information providing system 300 transmits the created primary report to the financial institution server 200 that is a service client (S475).

Then, the financial institution server 200 provides loan-related information to the user terminal 100 based on the first report (S480).

Here, the loan-related information includes whether or not a loan is possible and an appropriate loan limit.

As such, the used car loan information providing system 300 quickly and quickly collects information in response to a service request from the financial institution server 200, and calculates an appropriate loan limit for each used car through a verification procedure, and provides it in a report format.

Hereinafter, a method of providing information by the used car loan information providing system 300 in the process of the used car loan after step S480 will be described in detail.

5 is a flowchart illustrating a loan execution and continuous information provision after completion of the loan execution of the used car loan information providing system according to an embodiment of the present invention.

First, if the user terminal 100 checks and agrees to the loan limit in response to the loan-related information provided in step S480 (S510), the used car loan information providing system 300 provides a loan including a loan schedule from the financial institution server 200 A progress notification is received (S520).

Receiving the loan progress notification, the used car loan information providing system 300 checks the ownership transfer information of the used car in real time until the day of the loan and creates a second report including whether or not a change has occurred (S530).

And the used car loan information providing system 300 transmits a second report to the financial institution server 200 (S535).

Next, the financial institution server 200 confirms through the second report that the ownership of the used car has been changed to a used car loan applicant (S540). After confirmation, the financial institution server 200 performs a loan as a used car loan applicant, and transmits this fact to the user terminal 100 (S545).

At this time, the financial institution server 200 notifies the loan execution to the used car loan information providing system 300 while executing the loan (S550).

When receiving that the loan has been executed, the used car loan information providing system 300 checks the vehicle registration source of the used car based on a preset schedule, and creates a post report based on the contents of the vehicle registration source (S565).

The used car loan information providing system 300 may periodically check the vehicle registration original until the maturity of the used car loan, and immediately notify the financial institution server 200 when ownership of the vehicle is confirmed.

Alternatively, the used car loan information providing system 300 creates a post report on changes in the condition of the used car, such as related used car loans, accident history, repair history, and periodic inspection results, for a certain period of time to the financial institution server 200. Can be transmitted.

In this way, the used car loan information providing system 300 not only collects and analyzes and provides information on used cars quickly and accurately during the used car loan process, but also continuously provides information so that the collection of bonds can be safely performed during the used car loan process. I can.

A program for executing a method according to an embodiment of the present invention may be recorded on a computer-readable recording medium.

The computer-readable medium may include program instructions, data files, data structures, and the like alone or in combination. The medium may be specially designed and configured, or may be known and usable to those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magnetic-optical media such as floppy disks, and ROM, RAM, flash memory, and the like. Hardware devices specifically configured to store and execute the same program instructions are included. Here, the medium may be a transmission medium such as an optical or metal wire, a waveguide, etc. including a carrier wave that transmits a signal specifying a program command, a data structure, and the like. Examples of the program instructions include not only machine language codes such as those produced by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like.

Although one preferred embodiment of the present invention has been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements by those skilled in the art using the basic concept of the present invention defined in the following claims are also provided. It belongs to the scope of the present invention.

100: user terminal 200: financial institution server
300: used car loan information provision system 310: Ministry of Communication
320: identity verification unit 330: information collection unit
340: information analysis unit 341: vehicle presence check unit
342: vehicle history check unit 343: loan limit calculation unit
350: report preparation unit 360: management unit
400: database

Claims (16)

A communication unit that receives a service request for a used car trading fund loan including customer information and loan information from a user terminal or a financial institution server, and transmits a report corresponding to the service request to the user terminal or a financial institution server,
An identity authentication unit that performs identity authentication with the user terminal of the user who wishes to borrow used car trading funds linked to the service request and proceeds with the consent procedure to provide the service,
When the identity authentication unit completes the identity authentication and consent process, the location information of the current time and the image of the used car at the current time are collected from the user terminal, and the used car is connected to the server of the other institution or a pre-built database. An information collection unit that collects information,
Information for determining the existence of the used car by analyzing the location information and the image of the used car collected by the information collection unit, and calculating the appropriate loan limit for the used car when it is confirmed that the used car exists by examining the information related to the used car. Analysis department and
In response to the service request, a report preparation unit that prepares a first report including an appropriate loan limit calculated by the information analysis unit,
Used car loan information providing system comprising a.
In claim 1,
The information collection unit,
The basic information of the used car corresponding to the customer information including the name, gender, and phone number of the person who wishes to borrow the used car trading funds, and the loan information including the date of loan announcement, transaction price, accident history, ownership transfer history, senior rights, Used car loan information providing system for collecting information related to the used car on whether or not the used car is in progress.
In paragraph 2,
The information analysis unit,
A vehicle presence check unit that checks the existence of the used car and confirms that the used car is a normal vehicle, and
If the vehicle presence verification unit verifies that the used car is a normal vehicle, the risk factor of lending to the used car among basic information of the used car, transaction price, accident history, ownership transfer history, senior rights, and whether or not the used car is in progress. Vehicle history check unit to check if is present, and
Provides used car loan information including a loan limit calculator that calculates an appropriate loan limit for the used car based on the information related to the used car collected by the information collection unit when the vehicle history check unit determines that the risk factor is lower than the preset reference value system.
In paragraph 3,
The loan limit calculation unit,
Used car loan information providing system for calculating the appropriate loan limit (x) of the used car using the following equation.

Here, Max [A] is the highest trading price, B is the highest priority bond, P is the residual price, k is the number of sales, and Qk is the repair cost.
In claim 1,
The report preparation unit,
Upon receiving the intention to proceed with the loan corresponding to the first report from the server of the financial institution, by checking the ownership transfer information of the used car in real time until the day of the loan, a second report including whether or not changes occurred, and
The communication unit,
Used car loan information providing system for sending the second report to the financial institution server.
In claim 1,
When the loan from the financial institution is executed, based on a preset schedule, a personal authentication request or a request for the image of the used car is requested, or a management unit for checking the vehicle registration source of the used car and creating a post report including the contents of the vehicle registration source is further provided. Used car loan information providing system including.
In claim 1,
The report preparation unit,
When receiving the service request from the user terminal, a used car loan that prepares the first report including cost information for buying and selling the used car including the transaction price for the used car, senior rights, accident history, and the appropriate loan limit Information provision system.
Receiving a service request from a user terminal or a financial institution server regarding a loan for used car sales including customer information and loan information,
Performing identity authentication with a user terminal of a person wishing to borrow a used car trading fund linked to the service request,
Upon completion of the identification, allowing location information and requesting a used car image,
Receiving location information and the photographed used car image from the user terminal,
Collecting information related to the used car through a server of another institution or a pre-built database based on the service request,
Checking the existence of the used car by examining the received location information, the used car image, and the collected used car-related information, and calculating an appropriate loan limit for the used car, and
Preparing a first report including the identified information related to the used car and the appropriate loan limit, and
Sending the first report to the user terminal or the financial institution server
A method of providing a service of a used car loan information providing system comprising a.
In clause 8,
Information related to the used car,
The customer information including the name, gender, and phone number of the used car trading fund loan applicant and the loan information including the loan announcement date are provided with the corresponding basic information of the used car, transaction price, accident history, repair history, ownership transfer history, A method for providing a service of a used car loan information providing system, including senior rights, and whether or not a loan is in progress for the used car.
In claim 8 or 9,
The step of calculating the appropriate loan limit,
A service providing method of a used car loan information providing system that checks whether the used car exists, and verifies whether the used car is normally registered, and checks whether there is a risk factor of lending for the used car using information related to the used car.
In claim 10,
The step of calculating the appropriate loan limit,
When it is determined that the risk factor of the loan for the used car is lower than a preset reference value, a service providing method of a used car loan information providing system for calculating an appropriate loan limit for the used car based on the collected used car related information.
In claim 8 or 9,
The step of calculating the loan limit,
Used car loan information that calculates the appropriate loan limit for the used car using the transaction price of the used car, the senior right set for the used car, the residual price rate, the number of changes to the owner of the used car, the accident history of the used car, and the estimated repair cost of the used car. How to provide services in the delivery system.
In claim 8 or 9,
The step of calculating the loan limit,
A method for providing a service of a used car loan information providing system for calculating an appropriate loan limit (x) for the used car using the following equation.

Here, Max [A] is the highest trading price, B is the highest priority bond, P is the residual price, k is the number of sales, and Qk is the repair cost.
In clause 8,
Upon receiving the intention to proceed with the loan corresponding to the first report from the financial institution server, the financial institution server generates a second report including the occurrence of changes by checking the ownership transfer information of the used car in real time until the day of the loan. Service providing method of a used car loan information providing system further comprising the step of sending to.
In clause 8,
When the loan of the financial institution server is executed, based on a preset schedule, the step of checking the vehicle registration source of the used car, creating a post report based on the contents of the vehicle registration source, and sending it to the financial institution server How to provide services of the used car loan information providing system.
In clause 8,
Creating the first report
When receiving the service request from the user terminal, a used car loan that prepares the first report including cost information for buying and selling the used car including the trading market price, senior rights, accident history, and the appropriate loan limit for the used car How to provide services of the information providing system.

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