KR20240038188A - Automobile Mortgage-Provided Loan System and Method after Pre-Loan - Google Patents

Abstract

The present invention relates to a system and method for securing a car loan after pre-loaning, in which a loan is granted to the loan holder in advance and collateral is set up if the loan is not repaid within a certain period of time. The purpose of the present invention is to provide a car loan system and method when the contract holder wishes to receive a short-term loan, Costs for establishing a mortgage, attorney's fees, and automobile appraisal costs are incurred, but if you provide a loan to the contractor first and the contractor repays the loan amount within a set period, you can save on the cost of establishing a mortgage for the automobile, attorney's fees, and automobile appraisal costs. If a contractor urgently needs money, he or she can reduce the time required for setting up a mortgage and appraisal and apply for a loan quickly, preventing credit problems from occurring due to failure to pay monthly rent, fees, other taxes, interest, etc. within the due date. The goal is to provide a pre-loan and post-mortgage car loan system and method.

Description

{Automobile Mortgage-Provided Loan System and Method after Pre-Loan}

The present invention relates to a secured car loan system and method after pre-loaning. More specifically, when the car owner urgently needs a loan to pay monthly rent, fees, various taxes, interest, etc. within the due date, the car owner and the car owner If the car satisfies the conditions of the loan application, the loan is issued first. If the loan amount is repaid within a set period, the loan contract is terminated. If the car is not repaid within a certain period, the car in the contractor's name is set as collateral, followed by pre-loan collateral. It relates to car loan systems and methods.

Generally speaking, financial institutions refer to banks, insurance, securities, investment trusts, etc. Among these financial institutions, in particular, general banks center around the Bank of Korea, which issues currency. The head offices (or headquarters) of each commercial bank and special bank are located around the Bank of Korea, and each bank's branches (hereinafter, for convenience of explanation) Branches, branch offices, etc. are called branches) are distributed in large numbers by administrative district, centered around the head office of each bank.

These general banks are largely divided into deposit (receipt), loan (credit), and exchange services. Here, foreign exchange business refers to lending and lending relationships between distant parties, for example, a financial transaction method of repaying a conventional loan amount without transporting cash through a financial institution such as a bank for settlement of bonds and debts and other remittances or payment collection. am.

In general, in order to receive a loan from a financial institution, there are two types of loans: secured loans that require collateral and credit loans based on credit. Here, a credit loan is a loan that a financial institution provides based on the customer's credit rating. The loan amount and interest rate are determined taking into account the customer's economic situation, occupation, transaction details, family matters, etc.

Credit loans are classified into unsecured credit loans and credit loans provided by a credit guarantee company. Unguaranteed credit loans are loans that are determined based on the borrower's credit rating. In comparison, secured loans are generally longer term, larger in amount, and have lower interest rates than credit loans. Collateral means that a money lender holds onto assets of economic value from the borrower in case the money is not returned.

However, if people who own a car in their name try to obtain a short-term loan using the car as collateral, even though it is a short-term loan, they incur losses due to various costs, including car mortgage costs, attorney fees, and car appraisal costs. There is a problem with what you are seeing.

In addition, if the car owner does not have enough money to pay the monthly rent, fees, various taxes, interest, etc. within the due date, credit problems may arise. At this time, if a car owner wants to take out a short-term loan by using the car as collateral to make payments, not only does it take a lot of time to get the loan, but the process is complicated, so the loan is not made before the due date. There is also a high possibility that credit problems will occur.

Therefore, in order to solve the above problems, the present invention proposes a loan system and method that first executes a loan if the loan application conditions are met, and sets the set car as collateral if the loan amount is not repaid within a set period. .

1. Republic of Korea Patent Publication No. 10-2230105 (“Automobile mortgage registration system and method using non-face-to-face real name verification of an Internet-only bank”, 2021.03.15.)

The present invention was created to solve the above problems, and the purpose of the present invention is to apply for a short-term loan using the car as collateral because the car owner does not have enough money to pay monthly rent, fees, various taxes, interest, etc. , if the loan application conditions are met, the loan is immediately implemented. If the loan amount is repaid within a set period, the loan contract is terminated. If the loan amount is not repaid within a set period, the set car is set as collateral and various payments can be made using the car. We provide a pre-loan and collateralized car loan system and method that allows you to quickly and easily borrow and pay, thereby preventing credit problems due to failure to pay various payments within the due date.

In addition, if a car owner obtains a short-term loan using a car and then repays the loan amount within a set period of time, the pre-loan and collateral car loan system and method can be used to save on car mortgage set-up costs, attorney costs, car appraisal costs, etc. It is provided.

The pre-loan and secured car loan system of the present invention is equipped with a loan contract process, and the loan contract management server performs the loan contract process according to the mounted loan contract process, wherein the loan contract management server performs loan contract conclusion and lending. It is equipped with a process for payment in advance, and is connected to a member database that stores personal information of loan contractees entered through a contract terminal connected by communication means and a contract database that stores contract information concluded through the loan contract conclusion process. Request and receive information from external servers connected to each other through external servers and communication means, check whether the loan application conditions are satisfied for the loan contract you wish to apply through the loan contract process, and check whether the loan application conditions are satisfied. The loan contract is characterized in that the loan amount is paid in advance and the loan contract is concluded.

In addition, whether the loan application conditions are satisfied is confirmed by comparing information input from the contractor terminal with information received through a request to the external server.

In addition, the external server is connected to and communicates with the loan contract management server through a communication means, and receives a signal requesting credit information of the contractor transmitted from the loan contract management server, among credit information stored in the credit rating agency database. a credit rating agency server that transmits the policyholder's credit information to the loan contract management server; It is connected and communicates with the loan contract management server through a communication means, receives a specific car information request signal sent from the loan contract management server, and transmits specific car information among car information stored in the car information database to the loan contract management server. A car registration agency server that does; And it is connected and communicates with the loan contract management server by a communication means, receives a signal requesting price information for a specific car transmitted from the loan contract management server, and receives a price information request signal for a specific car based on car price information stored in the car price information database. It is characterized in that it includes; an automobile price information providing server that derives information and transmits the derived price information to the loan contract management server.

Additionally, the automobile price information providing server is characterized in that it calculates automobile price information based on automobile information transmitted from the automobile registration agency server.

In addition, the loan contract management server is characterized in that the loanable amount and the loan interest rate are calculated based on one or more information selected from the policyholder's credit evaluation information, the automobile information, and the automobile market information.

In addition, the external server includes a notary agency server that is connected to the loan contract management server through a communication means and generates a notarization certificate for a car in the name of the contractor; or a guarantee insurance agency server that is connected to the loan contract management server through a communication means and generates a guarantee insurance policy for a car in the name of the policyholder.

The loan contract method using the loan contract system using the secured car loan system after pre-loaning of the present invention involves the contractor accessing the loan contract management server through the contractor terminal, applying for a loan contract, and concluding a loan contract for a certain period of time. Advance loan agreement stage; A maturity date confirmation step of checking whether the loan contract concluded in the advance loan contract step has reached maturity; A loan repayment confirmation step, which is performed when it is confirmed that the loan contract maturity date has arrived in the maturity date confirmation step, and checks whether the loan amount paid to the policyholder in the advance loan contract step has been repaid; And a counting step, which is performed when it is confirmed that the loan amount has not been fully repaid in the loan repayment confirmation step, counts the number of progresses in the loan repayment confirmation step, and compares it with a reference value. The counting step counted in the counting step If the value is below the standard value, the loan repayment confirmation step is re-proceeded, and if the value counted in the counting step exceeds the standard value, the policyholder applies for a car in the name of the contractor entered in the pre-loan contract step. It is characterized in that a mortgage setting step in which the mortgage is automatically set is performed.

In addition, the pre-loan contract step includes a connection step in which the contractor connects to the loan contract management server through the contractor terminal; A member confirmation step of confirming whether the contractor who accesses the loan contract management server through the contractor terminal is a member registered with the loan contract management server; In the member status confirmation step, if the contractor connected to the loan contract management server through the contractor terminal is confirmed to be a member, a loan progress screen output step of displaying a screen for proceeding with the loan contract on the contractor terminal; The contractor agrees to set up automatic mortgage for a car in the contractor's name if the loan amount is not repaid after the contract's terminal, the contractor's personal information, car information in the contractor's name, at least one desired loan amount, loan contract start date, and loan contract maturity date. An input step where whether or not it is input; The loan contract management server requests the credit information of the policyholder from the credit rating agency server, transmits the credit information of the policyholder from the credit rating agency server to the loan contract management server, and sends the credit information of the policyholder to the credit rating agency server from the loan contract management server. A credit information confirmation step of confirming loan application conditions based on the contractor's credit information transmitted from; The loan contract management server requests the automobile registration agency server for information on the automobile entered in the input step, and the loan contract management server confirms the loan application conditions based on the automobile information transmitted from the automobile registry server. information verification step; It proceeds when it is confirmed that a loan is possible by satisfying all the loan application conditions in the credit information confirmation step and the car information confirmation step, and car price information is calculated based on the car information collected in the car information confirmation step. Car market information confirmation step of checking loan application conditions based on car market information; In the market information confirmation step, if it is confirmed that a loan is possible by satisfying the loan application conditions, the loan contract management server is sent based on one or more information selected from the credit evaluation information, the car information, and the car market information. A calculation step in which the loanable amount and loan interest rate are calculated by; A loan application step in which the available loan amount and loan interest rate calculated in the calculation step are output to the contractor terminal, and a loan application request is transmitted from the contractor terminal to the loan contract management server; When the loan contract management server receives a loan application request sent through the loan application step, the loan contract management server communicates with the notary agency server or the guarantee insurance agency server to issue a notarized certificate collateralizing the automobile in the name of the policyholder entered in the input step. Or, a notary certificate or a surety insurance policy creation step where a surety insurance policy is created; And when a notary certificate or guarantee insurance policy is created in the notarization or guarantee insurance policy creation step, the loan contract management server approves the loan contract, and the loan amount is paid in advance to the policyholder on the loan contract start date entered in the input step, thereby signing the loan contract. It is characterized in that it includes a loan approval step that is executed.

In addition, the loan contract method is characterized in that, when it is confirmed that the entire loan amount has been repaid in the loan repayment confirmation step, the notary certificate or guarantee insurance policy generated in the notary certificate or guarantee insurance policy generation step is discarded.

In addition, in the car information confirmation step, the loan contract management server checks whether the owner of the car and the contractor applying for the loan are the same or have joint names based on the car registration information transmitted from the car registration agency server. , the loan contract management server checks whether the loan application conditions set based on the period during which the contractee maintained the title to the car and the model year of the car are satisfied based on the car registration information transmitted from the car registration agency server database. Step. Based on the car's seizure, mortgage, and accident history information transmitted from the automobile registration agency server, the loan contract management server determines whether or how many times the car was seized, mortgaged, or had an accident during the period the contractor owned the car. Step of confirming whether the set loan application conditions are satisfied, the loan contract management server sets based on the number of times the contractor has not paid automobile tax or the amount of automobile tax unpaid based on the automobile tax payment history of the contractor transmitted from the automobile registration agency server database. Confirming whether the loan application conditions are satisfied, checking whether the loan contract management server satisfies the loan application conditions set based on whether or not the policyholder subscribes to mandatory automobile insurance based on the policyholder's automobile mandatory insurance subscription information transmitted from the automobile registration agency server. and the loan contract management server sets loan application conditions based on one or more of the number of remaining installments, the remaining installment amount, and the number of non-payment of installment amounts based on the contractor's automobile purchase information transmitted from the automobile registration agency server. It is characterized by including a step of checking whether the satisfaction is satisfied.

In addition, the loan contract method is characterized in that, when it is confirmed that the maturity date has arrived in the maturity date arrival confirmation step, a notification that the maturity date has arrived is sent from the loan contract management server to the contractee terminal.

In addition, the reference value is characterized in that it is a value that counts the remaining days from the time when the loan contract maturity set in the loan contract management server arrives to the loan contract maturity date.

In addition, the loan repayment confirmation step is characterized in that it is repeated 24 hours after the previous loan repayment confirmation step was performed.

The pre-loan and collateralized car loan system and method of the present invention according to the above-mentioned configuration is provided when the car owner does not have enough money to pay monthly rent, fees, various taxes, interest, etc. and applies for a short-term loan using the car as collateral, If only the loan application conditions are met, the loan is issued immediately. If the loan amount is repaid within a set period, the loan contract is terminated. If repayment is not made within a set period, the set car is set as collateral, allowing various payments to be made quickly and using the car. By making it easy to borrow and pay, it has the effect of preventing credit problems from occurring due to failure to pay various payments within the due date.

In addition, if a car owner takes out a short-term loan for his or her car and repays the loan amount within a set period of time, he or she can save on car mortgage costs, attorney costs, and car appraisal costs.

1 is a schematic diagram of a secured car loan system after pre-loan according to an embodiment of the present invention.
Figure 2 is a schematic diagram of the loan contract management server of the pre-loan and collateralized car loan system according to an embodiment of the present invention.
Figure 3 is a flowchart of a loan contract method using a secured car loan system after pre-loan according to an embodiment of the present invention.

The present invention relates to a system and method for securing a car loan after pre-loaning. When a car owner urgently needs a loan to pay monthly rent, fees, various taxes, interest, etc. within the due date, he or she accesses the loan contract management server through the contractor terminal. Enter the information required for a loan application, and the loan contract management server communicates with multiple external servers. If the car owner and car information satisfies the loan application conditions, one or more servers selected from the online investment server, internet bank server, and financial institution server A loan contract is concluded that provides the loan amount, and the loan contract is terminated if the contractor repays the loan amount within a set period, and if the contract is not repaid within a set period, the set car is set as collateral, followed by a pre-loan secured car loan. It relates to systems and methods.

Hereinafter, an embodiment of the present invention described above will be described in more detail with reference to the drawings.

Figure 1 shows a schematic diagram of a pre-loan and secured car loan system according to an embodiment of the present invention. As shown in Figure 1, the pre-loan and secured car loan system of the present invention allows the contractor to access through the contractor terminal 200, and includes a loan contract management server ( 100).

The contractor terminal 200 used by the contractor to access the loan contract management server 100 is preferably a smartphone or a PC, and may also be a tablet PC or laptop. It is preferable that the contractor using the contractor terminal 200 is a member registered with the loan contract management server 100. However, if the contractor is not a member, a membership registration window is displayed on the contractor terminal 200 or a personal authentication screen is displayed on the contractor terminal 200. can be printed.

The loan contract management server 100 is a server equipped with a collateral loan processor that includes loan contract conclusion, loan requirement review, loan contract extension, and loan contract expiration.

The loan contract management server 100 is interconnected and communicates with a plurality of external servers 1 that receive information for concluding a loan contract through communication means such as the Internet. The loan contract management server 100 stores information received from the external server 1 or information input from the contractor terminal 200.

The loan contract management server 100 is preferably equipped with or connected to at least one backup server to prevent information received from the external server 1 and information input through the contractor terminal 200 from being lost. do.

When a car owner, who is a contractor, applies for a car loan using the car as collateral, not only are there costs for setting up a car mortgage, attorney fees, and car appraisal costs, but it also takes a considerable period of time until the loan is approved and the loan is made. . In addition, some of these contractors apply for a loan to prevent credit problems from occurring if they do not have enough money to pay their monthly rent, fees, various taxes, interest, etc. within the due date.

However, even though it is a small short-term loan with a car as collateral, it takes a considerable amount of time to receive the loan, so the loan is not disbursed by the due date, resulting in credit problems due to inability to pay within the due date, and the problem of not being able to pay the loan within the due date. Although it can be repaid within a certain period of time, there is a problem that the financial burden is large due to the need to pay for the cost of setting up a car mortgage, attorney's fees, and car appraisal costs.

In order to solve this problem, the pre-loan and collateral car loan system of the present invention first pays the loan amount to the contractor who satisfies the loan conditions when a contractor who owns a car wants to apply for a short-term loan using the car. If the loan amount is repaid in full within the loan contract maturity date, the loan contract is terminated. If the loan amount is not repaid on the loan contract maturity date, the car in the contractor's name is set up as collateral, and the cost of setting up a mortgage for the car, attorney's fees, and automobile appraisal are set up as collateral. It is characterized by allowing costs incurred for the loan, such as evaluation costs, to be charged.

Therefore, according to the present invention, if you own a car, you can quickly and easily get a loan using the car, and you can pay monthly rent, fees, various taxes, interest, etc. with the loan amount within the due date. You can prevent credit problems from occurring due to failure to pay your bills.

In addition, if the loan amount is repaid within a pre-set period, the contractor will not pay the loan costs, such as the cost of setting up a car mortgage, attorney fees, and car appraisal costs for applying for a short-term loan using the car as collateral, thereby minimizing financial losses. In addition, if the loan amount is not repaid within a preset period, the car in the contractor's name is automatically mortgaged, thereby minimizing losses to the financial institution.

At this time, in short-term loans, it is desirable to set the concept of short-term to 3 months, like the statute of limitations of electronic seal certificates (3 months from the date of issuance), but the concept of short-term can be designed by changing various settings within 6 months.

Figure 2 shows a schematic diagram of the loan contract management server of the pre-loan and collateralized car loan system according to an embodiment of the present invention. As shown in Figure 2, the loan contract management server 100 includes at least one database in which information is stored, and the member database 110 in which the personal information of the contractee is stored and the contract in which the details of the loan contract concluded are stored. It is desirable for information to be stored separately in the database 120.

As described above, the loan contract management server 100 is interconnected with a plurality of external servers 1 through communication means such as the Internet, and can transmit an information request signal to the external server 1, and the external server 1 It is configured to be able to communicate with each other so that information in a database stored in or connected to the external server 1 can be received from the external server 1.

First, a contractor can access the loan contract management server 100 through the contractor terminal 200 and apply for a loan contract by entering the amount and loan period for which he or she wishes to apply for a loan.

Since the pre-loan and collateralized car loan system of the present invention pays the loan amount to the contractor first as described above, it must be checked whether the contractor satisfies the eligibility conditions to receive the loan amount first even if he does not provide collateral. It communicates with the external server (1) and checks whether the loan application conditions are satisfied based on the received information. There are multiple loan application conditions, and if even one of the multiple loan application conditions is not satisfied, a secured car loan contract cannot be concluded after the advance loan.

The loan contract management server 100 transmits a request signal for the contractor's credit evaluation information to the credit rating agency server 10, which is one of the plurality of external servers 1. When the credit rating agency server 10 receives a credit rating information request signal, the credit rating information of the contractor corresponding to the credit rating information request signal among the credit rating information stored in the credit rating agency server database 11 is sent to the loan contract management server (100). ) is sent to The loan contract management server 100 checks whether the contractor's credit evaluation information transmitted from the credit rating agency server 10 satisfies the loan application conditions.

For example, when the loan application condition confirmation standard is set to a credit rating of 4 or higher, if the contractor's credit rating transmitted from the credit rating agency server 10 is 5 or lower, it is confirmed that the loan application conditions are not satisfied, and the credit rating is If the contractor's credit rating transmitted from the rating agency server 10 is 4 or higher, it is confirmed to be satisfactory.

Only if the contractor's credit rating transmitted from the credit rating agency server 10 is 4 or higher will it satisfy one of the multiple loan application conditions for concluding a secured car loan contract after pre-loaning, and the credit rating is 5 or lower. In this case, you will not be able to conclude a secured car loan after taking out a pre-loan.

At this time, the credit rating standard can be easily changed by a person skilled in the art, and not only the credit rating but also the credit evaluation score may be set as the standard.

The loan contract management server 100 communicates with the automobile registration agency server 20, which is one of the plurality of external servers 1, and can check whether the plurality of loan application conditions are satisfied.

First, the loan contract management server 100 transmits a signal requesting registration information for a specific automobile. When the automobile registration agency server 20 receives a request signal for automobile registration information, it transmits the automobile registration information corresponding to the request signal among the automobile registration information stored in the automobile registration agency server database 21 to the loan contract management server 100. do.

The loan contract management server 100 checks whether the loan application conditions are satisfied by checking whether the car owner and the contract holder in the car registration information transmitted from the car registration agency server 20 are the same. If the car owner and the contractor are the same, one of the multiple loan application conditions that can be used to enter into a loan contract with a mortgage rental contract after pre-loaning is satisfied. If the car owner and the contracting party are not the same, a mortgage car loan contract after pre-loaning is satisfied. cannot be concluded. At this time, whether or not the car is jointly titled may also be set as a condition for applying for a loan.

In addition, the loan contract management server 100 determines the loan application conditions set based on the period during which the contractee maintained the title to the car and the model year of the car, based on the car registration information transmitted from the car registration agency server 20. Check if you are satisfied. If you meet the loan application conditions, you satisfy one of the multiple loan application conditions that allow you to conclude a loan contract providing collateral after prepayment, and if you do not satisfy them, you cannot conclude a secured car loan after prepayment.

Additionally, the loan contract management server 100 transmits a signal requesting information on the seizure, mortgage, and accident history of a specific automobile to the automobile registration agency server 20. When the automobile registration agency server (20) receives a request signal for vehicle seizure, mortgage, and accident history information, the automobile registration agency server database (21) stores the automobile seizure, mortgage, and accident history information and seizes the automobile corresponding to the request signal. , mortgage, and accident history information are transmitted to the loan contract management server (100).

The loan contract management server 100 checks whether the loan application conditions are satisfied based on the vehicle's seizure, mortgage, and accident history information transmitted from the automobile registration agency server 20. If the number of seizures, mortgages, and accidents according to the seizure, mortgage, and accident history information is less than a preset standard, one of the multiple loan application conditions for concluding a secured car loan contract after pre-loaning is satisfied, and the seizure, mortgage, and If the number of seizures, mortgages, and accidents according to accident history information exceeds a preset standard, a secured car loan contract cannot be concluded after pre-loaning.

Additionally, the loan contract management server 100 transmits a signal to the automobile registration agency server 20 requesting the contractee's automobile tax payment details. When the automobile registration agency server 20 receives a request signal for the contractor's automobile tax payment details, the automobile registration agency server 20 transfers the contractor's automobile tax payment history information from the automobile tax payment history information stored in the automobile registration agency server database 21 to the loan contract management server 100. ) is sent to

The loan contract management server 100 examines whether there is a history of unpaid automobile tax among the automobile tax payment history information transmitted from the automobile registration agency server 20, and checks whether the loan application conditions set based on the number of unpaid or unpaid amounts are satisfied. . If the loan application conditions are met, one of the multiple loan application conditions that can be used to enter into a secured car loan contract after pre-loaning is satisfied, and if not satisfied, a secured car loan cannot be concluded after pre-loaning.

Additionally, the loan contract management server 100 transmits a signal to the automobile registration agency server 20 requesting the policyholder's mandatory automobile insurance subscription information. When the automobile registration agency server 20 receives a request signal for the policyholder's automobile mandatory insurance subscription information, the contractor's automobile mandatory insurance subscription information among the automobile mandatory insurance subscription information stored in the automobile registration agency server database 21 is sent to the loan contract management server ( 100).

The loan contract management server 100 checks whether the loan application conditions set based on subscription among the mandatory automobile insurance subscription information transmitted from the automobile registration agency server 20 are satisfied. If the loan application conditions are met, one of the multiple loan application conditions that can be used to enter into a secured car loan contract after pre-loaning is satisfied, and if not satisfied, a secured car loan cannot be concluded after pre-loaning.

Additionally, the loan contract management server 100 transmits a signal to the automobile registration agency server 20 requesting the policyholder's automobile purchase information. When the automobile registration agency server 20 receives a signal requesting the contractor's automobile purchase information, it transmits the contractor's automobile purchase information among the automobile purchase information stored in the automobile registration agency server database 21 to the loan contract management server 100.

The loan contract management server 100 checks whether the car purchase information transmitted from the automobile registration agency server 20 was purchased by installment, and sets the number based on one or more of the number of remaining installments, the remaining installment amount, and the number of times the installment amount is not paid. Check whether you meet the loan application conditions. If the loan application conditions are met, one of the multiple loan application conditions that can be used to enter into a secured car loan contract after pre-loaning is satisfied, and if not satisfied, a secured car loan cannot be concluded after pre-loaning.

The loan contract management server 100 communicates with the automobile price providing server 30, which is one of the plurality of external servers 1, and transmits a signal requesting price information for the automobile. At this time, the loan contract management server 100 transmits the automobile information received from the automobile registration agency server 20 to the automobile price providing server 30.

When the car price providing server 30 receives the car price information request signal and car information transmitted from the loan contract management server 100, the car quote information database and information set based on the car's make, model, year, and grade are stored in the car price information database. The car price information derived by comparing with the car price information stored in (31) is transmitted to the loan contract management server (100).

The loan contract management server 100 checks whether the loan application conditions are satisfied based on automobile market price information. If the loan application conditions are met, one of the multiple loan application conditions that can be used to enter into a secured car loan contract after pre-loaning is satisfied, and if not satisfied, a secured car loan cannot be concluded after pre-loaning.

At this time, the automobile registration agency server 20 may be a server operated by the government 24 server that issues automobile registration registers, and the automobile price information server 30 may be a automobile 365 server operated by the Ministry of Land, Infrastructure and Transport.

In addition, the loan contract management server 100 communicates with the notary agency server 40 or the guarantee insurance agency server 50, which is one of the plurality of external servers 1, and generates a notary certificate or guarantee insurance policy for the car in the name of the policyholder. do.

If the loan contract management server 100 confirms that the loan conditions according to the pre-loan and collateralized car loan contract system of the present invention are satisfied, and the contractor also wishes to apply for a loan contract, a notary certificate or guarantee insurance securing the car in the contractor's name Create a certificate. The generated notarization or guarantee insurance policy is stored in the notary institution database 41 of the notary institution server 40 or the guarantee insurance institution database 51 of the guarantee insurance institution server 50. At this time, the notary agency server 40 is preferably a notary law firm server or a prosecutor's office server.

In order to create a notary certificate or guarantee insurance certificate, a public certificate or financial certificate submitted through the contractor terminal 200 is used, or the contractor's personal authentication is requested using any one authentication method selected from legal authentication methods, and a notary certificate or An electronic signature based on personal authentication is entered on the surety insurance policy.

The electronic signature can be used by selecting one of the widely used authentication methods, and it is preferable that the electronic signature is performed using a public certificate or financial certificate between the loan contract management server 100 and the contractor terminal 200. When an electronic signature is made on the generated notary certificate or guarantee insurance policy, the notary certificate prepared in the notary institution server 40 or the guarantee insurance certificate created in the guarantee insurance institution server 50 takes legal effect. If the contract holder repays the entire loan amount within the maturity date, the notary certificate or guarantee insurance policy is destroyed, and the contract holder cannot change or add the title of the car according to the notary certificate or guarantee insurance certificate during the loan contract period.

After pre-loaning, a secured car loan contract is concluded, and the contractor's personal information or vehicle information entered through the contractor terminal 200 during the loan contract process is stored in the member database 110 of the loan contract management server 100, and the loan contract process is completed. A loan contract created with an electronic signature using a public certificate or financial certificate between the contract management server 100 and the contractor terminal 200 and the loan contract management server 100 and the external server 1 communicate, and the loan contract management server ( The notarized certificate or guarantee insurance certificate created with an electronic signature using the information received by 100 from the external server 1 and the public certificate or financial certificate between the loan contract management server 100 and the contractor terminal 200 is stored in the contract database 120. It is desirable to store it in . At this time, the loan contract conclusion history information may be created and stored in the form of an electronic document.

Referring to FIG. 3, the loan contract method using the pre-loan and secured car loan contract system of the present invention will be described in detail.

Figure 3 shows a flowchart of a loan contract method using a pre-loan and secured car loan system according to an embodiment of the present invention.

First, a connection step is performed in which the contractor accesses the loan contract management server 100 through the contractor terminal 200.

Next, a member status verification step is performed to check whether the contractor who accessed the loan contract management server 100 through the contractor terminal 200 is a member registered with the loan contract management server 100, and if it is confirmed that he is not a member, In this case, the loan contract management server 100 displays a membership registration screen on the contractor terminal 200 so that membership registration can be done through the contractor terminal 200.

The contractor registers as a member of the loan contract management server (100) through the membership registration screen printed on the contractor terminal (200). At this time, one of the external servers (1) that communicates with the loan contract management server (100) Personal authentication can be performed by communicating with a public certification authority server.

In the member status confirmation step, if the contractor connected to the loan contract management server 100 through the contractor terminal 200 is confirmed to be a member, a loan contract that displays a screen for proceeding with the loan contract on the contractor terminal 200 The progress screen output stage proceeds.

When the loan contract progress screen is displayed on the contractor terminal 200, an input step is performed in which predetermined information is input by the contractor into the contractor terminal 200. The information entered at the input stage includes the contractor's personal information, vehicle information in the contractor's name (manufacturer, model, vehicle number, etc.), at least one desired loan amount, loan contract start date, and if the loan amount has not been repaid after the loan contract maturity date. This may include a step of checking whether the contractor agrees to set up an auto mortgage for the car. If you do not agree to the establishment of an automatic car mortgage, you cannot proceed with the loan contract according to the present invention.

A step of checking whether the contractor satisfies multiple loan application conditions based on the contractor information collected through communication between the loan contract management server 100 and the external server 1 based on the contractor information entered in the input step. is in progress.

The criteria for confirming loan application conditions include the contractor's credit information, vehicle owner information, contractor's automobile tax payment history, automobile seizure and mortgage history, automobile performance inspection information, and automobile market price, which will be described in more detail later.

The loan contract management server 100 requests the contractor's credit information from the credit rating agency server 10, which is one of the plurality of external servers 1, and sends it to the loan contract management server 100 from the credit rating agency server 10. Transmit the contractor's credit information. A credit information confirmation step is performed in the loan contract management server 100 to determine whether a loan is possible based on the contractor's credit information transmitted from the credit rating agency server 10.

In addition, the loan contract management server 100 requests the automobile registration agency server 20, which is one of the plurality of external servers 1, for information on the automobile entered in the input step, and enters the loan contract in the automobile registry server 20. Information about the vehicle is transmitted to the management server 100. In the loan contract management server 100, a car information confirmation step is performed in which multiple loan application conditions are confirmed based on car information transmitted from the car registration agency server 20.

A more detailed explanation of the car information confirmation step in which multiple loan application conditions are confirmed will be provided later.

1. The loan contract management server 100 proceeds with the step of checking whether the owner of the car and the contractor applying for the loan are the same or have joint names based on the car registration information transmitted from the car registration agency server 20. .

2. The loan contract management server 100 determines the loan application conditions set based on the period the contractee maintained title to the car and the model year of the car based on the car registration information transmitted from the car registration agency server 20. A step is taken to check if you are satisfied.

3. The loan contract management server 100 determines whether the car was seized, mortgaged, or had an accident during the period the contractee owned the car, based on the car's seizure, mortgage, and accident history information transmitted from the car registration agency server (20). A step is taken to check whether the loan application conditions set based on the number of times are met.

4. The loan contract management server 100 determines whether the loan application conditions set based on the number of times the contractor has not paid automobile tax or the amount of automobile tax unpaid based on the contractor's automobile tax payment history transmitted from the automobile registration agency server 20 are satisfied. The verification step is in progress.

5. The loan contract management server 100 proceeds with a step of checking whether the loan application conditions set based on mandatory automobile insurance subscription are satisfied based on the policyholder's mandatory automobile insurance subscription information transmitted from the automobile registration agency server 20. do.

6. A loan established in the loan contract management server 100 based on one or more of the number of remaining installments, the remaining installment amount, and the number of times the installment amount is not paid, based on the contractor's car purchase information transmitted from the automobile registration agency server 20. The next step is to check whether the application conditions are met.

If it is confirmed that the loan application conditions are not met in one of the above-described credit information verification steps and vehicle information verification steps, the loan contract cannot be processed, and a message indicating that the loan application conditions are not met is displayed on the screen of the contractor terminal 200. can be output.

It is carried out when it is confirmed that a loan is possible by satisfying all the loan application conditions according to the credit information confirmation step and the automobile information confirmation step, and the loan contract management server 100 receives the information entered in the input step from the automobile quote providing server 30. A car price information confirmation step is conducted in which car market price information is received and loan application conditions are confirmed based on the car market information.

Car price information is calculated from the loan contract management server 100 to the car price providing server 30 based on the car information (manufacturer, model, year, and grade of the car) entered at the input stage.

The loan contract management server 100 proceeds with a calculation step in which the loanable amount, loan interest rate, etc. are calculated based on the car price information calculated from the car price provision server 30 and the contractor's credit evaluation information. In addition, installment information provided by the automobile registration agency server 20 can also be used as information to calculate the loanable amount and loan interest rate.

The loanable amount and loan interest rate calculated in the calculation stage are displayed on the screen of the contractor terminal 200. The contractor can decide whether to apply for a loan contract based on the available loan amount and loan interest rate calculated in the calculation stage, and if it is entered that he/she will proceed with the loan contract application, the loan application transmission stage where the loan contract is applied to the loan contract management server 100. If it is entered that you do not want to proceed with the loan contract application, the loan application is terminated.

When the loan contract application signal sent through the loan contract application transmission step is received by the loan contract management server 100, a notarization or guarantee insurance policy is generated to secure the car in the name of the contractor entered in the input step. The steps progress.

In order to proceed with the notarization or guarantee insurance policy creation step, the loan contract management server 100 communicates with the notary institution server 40 or the guarantee insurance institution server 50, and the contractor terminal (200) communicates with the notary institution server 40 or the guarantee insurance institution server 50. ) Request that the contract holder's personal authentication be made using a public certificate or financial certificate submitted through , or any authentication method selected from among the legal authentication methods, and the electronic signature according to the personal authentication is entered in the notary certificate or guarantee insurance certificate. .

At this time, the electronic signature can be used by selecting from among widely used authentication methods, and it is preferable that the electronic signature is performed using a public certificate or financial certificate between the loan contract management server 100 and the contractor terminal 200.

In other words, the electronic signature procedure is carried out between the contractor terminal 200 holding the certificate and the loan contract management server 100 with the issuance information distributed from the public certification agency, and the certificate stored in the contractor terminal 200 for electronic signature is When submitted to the loan contract management server 100, the loan contract management server 100 verifies whether the signature of the submitted certificate is valid by comparing it with distribution information previously received and stored from a public certification authority, so that an electronic signature procedure can be performed.

Once the electronic signature is made, the notarization written in the notary agency server 40 takes legal effect. The electronic signature process can also be performed when agreeing to the terms and conditions provided by the loan contract management server 100 and agreeing to a personal (credit) information inquiry request.

In the notarization or guarantee insurance policy creation stage, when a notary certificate or guarantee insurance policy collateralizing a car in the name of the contractor is created, the loan contract management server 100 approves the loan contract, and the loan contract is concluded on the loan contract start date entered in the input stage. The loan approval stage is carried out.

At this time, the server that transfers the loan amount to the policyholder is one selected from among the loan contract management server (100), the online investment server that communicates with the loan contract management server (100), and the internet banking server that communicates with the loan contract management server (100). It could be more than that.

After the loan approval step, the loan contract management server 100 proceeds with the maturity date arrival confirmation step to check whether the maturity date of the already executed loan contract has arrived. At this time, the standard for confirming that the maturity date has arrived can be easily changed and applied by a person skilled in the art, such as one month before, two weeks before, one week before, five days before the maturity date, etc.

In the maturity date arrival confirmation step, if it is confirmed that the maturity date of the loan contract has arrived, the loan contract management server 100 may transmit a notification to the contractor terminal 200 to repay the loan amount because the maturity date has arrived.

In the maturity date arrival confirmation stage, the confirmation whether the loan amount has been repaid begins from the point when it is confirmed that the maturity date has arrived. The step of confirming whether the loan amount has been repaid is the step of checking whether the contractor has repaid the loan amount in full. Once it is confirmed that the loan amount has been fully repaid, the loan contract termination stage proceeds, and the notarization certificate created in the notarization or guarantee insurance policy creation stage is discarded.

At this time, the step of checking whether the loan amount has been repaid may be performed even before the step of confirming the arrival of the maturity date. If it is confirmed that the loan amount has been fully repaid, the maturity date confirmation step does not proceed, and if it is confirmed that the loan amount has not been repaid or only a portion of the loan amount has been repaid, the maturity date arrival confirmation step is performed.

If it is confirmed that the loan amount has not been repaid during the confirmation stage of whether the loan amount has been repaid, the counting stage proceeds. The counting step is a step of accumulating and counting the number of progresses in the loan repayment confirmation step or counting the number of times the date has passed. The initial value is set to 0, and if it is less than the standard value, the step of checking whether the loan amount has been repaid is re-run. At this time, it is preferable that the step of checking whether the loan amount has been repaid is performed 24 hours after the step of checking whether the loan amount has been repaid.

The standard value set in the counting stage is set as (loan contract maturity date) - (time of maturity date arrival). That is, when the maturity date arrival point is set to be one week before the loan contract maturity date, the standard value of the counting step is set to 7, and when it is set to two weeks before, it is set to 14.

If the number counted in the counting step exceeds a predetermined standard value, this means that the loan amount has not been repaid and the maturity date of the loan contract has passed, and an automatic mortgage setting step is performed.

In the automatic mortgage setting step, the mortgage is automatically set for the car set as collateral in the above-mentioned notarization or guarantee insurance policy creation step, and the loan contract is changed from an existing loan contract to a car collateral loan contract and updated.

At this time, a late fee may be charged to the contractor for failing to repay the loan amount on the maturity date, and the cost of setting up a car mortgage, attorney's fee, and automobile appraisal fee may also be charged to the contractee.

As another example, after the loan approval step, the loan contract management server 100 proceeds with an interest payment confirmation step to check whether interest has been deposited for an already executed loan contract. The interest payment confirmation step is preferably carried out 30 or 31 days after the start of the loan contract. If the loan period entered in the input stage is one month, the interest payment confirmation stage is not carried out, and the interest is also deposited when the loan amount is repaid. It is desirable to do so.

At a selected point in time, such as a week before, 5 days before, 3 days before, or a day before the interest payment confirmation step, the loan contract management server 100 notifies the contractor terminal 200 to deposit interest or automatically transfers the interest. You can also send a notification informing you of your schedule.

If it is confirmed that interest has not been paid in the interest payment confirmation stage, the automatic mortgage setting stage proceeds. In the automatic mortgage setting step, the mortgage is automatically set for the car set as collateral in the above-mentioned notarization or guarantee insurance policy creation step, and the loan contract is changed from an existing loan contract to a car collateral loan contract and updated.

At this time, a late fee due to non-payment of interest may be charged to the contractor, and the cost of setting up a car mortgage, attorney's fee, and automobile appraisal fee may also be charged to the contractee.

The technical idea of the present invention should not be interpreted as limited to the above-described embodiments. Not only is the scope of application diverse, but various modifications can be made at the level of those skilled in the art without departing from the gist of the present invention as claimed in the claims. Accordingly, such improvements and changes fall within the scope of protection of the present invention as long as they are obvious to those skilled in the art.

100 Loan contract management server
110 Member Database
120 Contract Database
200 contractor terminals
1 external server
10 Credit rating agency server
11 Credit rating agency database
20 Automobile registration agency server
21 Automobile registration agency server database
30 Automobile price information server
31 Automobile price information database
40 Notary agency server
41 Notary database
50 Guarantee insurance agency server
51 Guarantee Insurance Agency Database

Claims (13)

In the loan contract management server, which is equipped with a loan contract process and where the loan contract procedure is carried out according to the installed loan contract process,
The loan contract management server,
There is a process for concluding a loan contract and prepaying the loan amount,
It is connected to a member database that stores personal information of loan policyholders entered through a contract terminal connected through a communication means and a contract database that stores contract information concluded through the loan contract conclusion process,
Information is requested and received from external servers connected to each other through multiple external servers and communication means,
Confirm that the loan application conditions are met for the loan contract you wish to apply through the above loan contract process,
A secured car loan system after pre-loan, characterized in that the loan amount is paid in advance for a loan contract that satisfies the above loan application conditions and a loan contract is concluded.
According to paragraph 1,
Whether or not the above loan application conditions are met,
A pre-loan and post-mortgage car loan system characterized by comparing and confirming information input from the contractor terminal and information received by requesting from the external server.
According to paragraph 1,
The external server is,
It is connected and communicates with the loan contract management server through a communication means, receives a signal requesting the contractor's credit information sent from the loan contract management server, and uses the contractor's credit information stored in the credit rating agency database to provide the loan contract. A credit rating agency server transmitting to the contract management server;
It is connected and communicates with the loan contract management server through a communication means, receives a specific car information request signal sent from the loan contract management server, and sends specific car information from the car information stored in the car registration agency server database to the loan contract management server. Automobile registration agency server transmitting to; and
It is connected and communicates with the loan contract management server through a communication means, receives a signal requesting price information for a specific car sent from the loan contract management server, and provides price information for a specific car based on car price information stored in the car price information database. an automobile price information providing server that derives and transmits the derived price information to the loan contract management server;
A pre-loan and post-mortgage car loan system comprising:
According to paragraph 3,
The automobile price information server,
A pre-loan, post-mortgage car loan system characterized by calculating car market information based on car information transmitted from the car registration agency server.
According to clause 4,
The loan contract management server,
A pre-loan and post-mortgage car loan system, wherein the loanable amount and loan interest rate are calculated based on one or more information selected from the contractor's credit evaluation information, the car information, and the car market information.
According to paragraph 3,
The external server is,
a notary agency server that is connected to the loan contract management server through a communication means and generates a notarized certificate for a car in the name of the contractor; or
a guarantee insurance agency server that is connected to the loan contract management server through a communication means and generates a guarantee insurance policy for a car in the name of the policyholder;
A pre-loan and post-mortgage car loan system further comprising:
In the method of signing a loan using a secured car loan system after pre-loaning,
A pre-loan contract stage in which the contractor accesses the loan contract management server through the contract terminal to apply for a loan contract and concludes a loan contract for a certain period of time;
A maturity date confirmation step of checking whether the loan contract concluded in the advance loan contract step has reached maturity;
A loan repayment confirmation step, which is performed when it is confirmed that the loan contract maturity date has arrived in the maturity date confirmation step and checks whether the loan amount paid to the policyholder in the advance loan contract step has been repaid; and
It is performed when it is confirmed that the loan amount has not been fully repaid in the loan repayment confirmation step, and includes a counting step of counting the number of times the loan repayment confirmation step has been performed and comparing it with a reference value,
If the value counted in the counting step is less than or equal to the reference value, the loan repayment confirmation step is repeated,
When the value counted in the counting step exceeds the reference value, a mortgage setting step in which a mortgage is automatically set for a car in the contractor's name entered by the contractor in the advance loan contract step;
A loan contract method using a pre-loan and collateralized car loan system, characterized in that the process is carried out.
In clause 7,
The advance loan contract stage is,
A connection step in which the contractor connects to the loan contract management server through the contractor terminal;
A member confirmation step of confirming whether the contractor who accesses the loan contract management server through the contractor terminal is a member registered with the loan contract management server;
In the member status confirmation step, if the contractor connected to the loan contract management server through the contractor terminal is confirmed to be a member, a loan progress screen output step of displaying a screen for proceeding with the loan contract on the contractor terminal;
The contractor agrees to set up automatic mortgage for a car in the contractor's name if the loan amount is not repaid after the contract's terminal, the contractor's personal information, car information in the contractor's name, at least one desired loan amount, loan contract start date, and loan contract maturity date. An input step where whether or not it is input;
The loan contract management server requests the credit information of the policyholder from the credit rating agency server, transmits the credit information of the policyholder from the credit rating agency server to the loan contract management server, and sends the credit information of the policyholder to the credit rating agency server from the loan contract management server. A credit information confirmation step of confirming loan application conditions based on the contractor's credit information transmitted from;
The loan contract management server requests the automobile registration agency server for information on the automobile entered in the input step, and the loan contract management server confirms the loan application conditions based on the automobile information transmitted from the automobile registry server. information verification step;
It proceeds when it is confirmed that a loan is possible by satisfying all the loan application conditions in the credit information confirmation step and the car information confirmation step, and car price information is calculated based on the car information collected in the car information confirmation step. Car market information confirmation step of checking loan application conditions based on car market information;
In the market information confirmation step, if it is confirmed that a loan is possible by satisfying the loan application conditions, the loan contract management server is sent based on one or more information selected from the credit evaluation information, the car information, and the car market information. A calculation step in which the loanable amount and loan interest rate are calculated by;
A loan application step in which the available loan amount and loan interest rate calculated in the calculation step are output to the contractor terminal, and a loan application request is transmitted from the contractor terminal to the loan contract management server;
When the loan contract management server receives a loan application request sent through the loan application step, the loan contract management server communicates with the notary agency server or the guarantee insurance agency server to issue a notarized certificate collateralizing the automobile in the name of the policyholder entered in the input step. Or, a notary deed or a surety insurance policy creation step where a surety insurance policy is created; and
When a notarization or guarantee insurance policy is created in the notarization or guarantee insurance policy generation step, the loan contract management server approves the loan contract, and the loan amount is paid in advance to the policyholder on the loan contract start date entered in the input step, thereby completing the loan contract. Loan approval steps to be executed;
A loan contract method using a pre-loan and collateralized car loan system, characterized in that it includes.
According to clause 8,
The loan contract method is:
If it is confirmed that the entire loan amount has been repaid in the loan repayment confirmation step above,
A loan contract method using a pre-loan and collateralized car loan system, characterized in that the notary certificate or guarantee insurance policy generated in the notary certificate or guarantee insurance policy creation step is discarded.
According to clause 8,
The car information confirmation step is,
Confirming whether the owner of the car and the contractor applying for the loan are the same or under joint ownership based on the registration information of the car transmitted from the car registration agency server in the loan contract management server;
Checking whether the loan contract management server satisfies the loan application conditions set based on the period during which the contractee maintained title to the car and the model year of the car based on the car registration information transmitted from the car registration agency server;
The loan contract management server establishes a loan based on the seizure, mortgage, and accident history information of the automobile transmitted from the automobile registration agency server and the presence or number of seizures, mortgages, and accidents of the automobile during the period in which the contractee owned the automobile. Steps to check whether the application conditions are met,
Checking whether the loan contract management server satisfies the loan application conditions set based on the number of times the contractor has not paid the automobile tax or the unpaid automobile tax amount based on the automobile tax payment history of the contractor transmitted from the automobile registration agency server;
Confirming, in the loan contract management server, whether the loan application conditions set based on whether or not to subscribe to mandatory automobile insurance are satisfied based on the policyholder's mandatory automobile insurance subscription information transmitted from the automobile registration agency server; and
The loan contract management server checks whether the set loan application conditions are satisfied based on one or more of the remaining number of installments, the remaining installment amount, and the number of times the installment amount is not paid, based on the contractor's car purchase information transmitted from the automobile registration agency server. steps to do
A loan contract method using a pre-loan and post-mortgage car loan system, characterized in that it includes.
In clause 7,
The loan contract method is:
If it is confirmed that the maturity date has arrived in the maturity date arrival confirmation step, a notification that the maturity date has arrived is sent to the contractor's terminal from the loan contract management server. A loan contract using a pre-loan and collateralized car loan system. method.
In clause 7,
The above reference value is,
A loan contract method using a pre-loan and collateralized car loan system, characterized in that the value is calculated by counting the remaining days from the loan contract maturity date set in the loan contract management server to the loan contract expiration date.
In clause 7,
The loan repayment confirmation step is,
A loan contract method using a pre-loan and collateralized car loan system, characterized in that it is re-proceeded 24 hours after the previous loan repayment confirmation step was performed.