KR101856056B1 - Vehicle Mortgage Registration and Canceled System of the Used Car Dealers and Method thereof - Google Patents

Abstract

In the present invention, a registration and termination system and method of setting up an automobile mortgage for a trading company is disclosed. The automobile mortgage establishment registration and deletion system of the trading company includes a database unit for storing the mortgage establishment registration application information, the mortgage cancel registration application information, the mortgage establishment registration information, and the mortgage cancel registration information; Refers to the database section, receives automobile mortgage registration application information or automobile mortgage lender registration application information from an installment financial institution system or a trading company terminal, inquires of the registrant, performs a mortgage registration registration procedure or a mortgage registration registration procedure, And a server for receiving and storing the mortgage establishment registration completion information or the mortgage cancel registration completion information from the automobile system that completes the application for setting registration or the registration of the mortgage cancellation. In this embodiment of the present invention, the used car trading firm can directly reduce the business hours by participating in the mortgage setting and cancellation work.

Description

[0002] Vehicle Mortgage Registration and Cancellation System [0003]

The present invention relates to a registration and termination system for a car dealer's registration and cancellation of an automobile mortgage, and more particularly, And more particularly, to a system and method for registering and erasing an automobile mortgage of a boss.

At present, many people are making loans using automobiles from installment finance companies, and there are many cases where vehicles purchased through installment financing are resold.

In the case of mortgage lending, financial institutions such as installment finance companies set a mortgage on the collateral (automobile).

On the other hand, a used car trading firm often uses an inventory financial instrument of an installment financial institution when purchasing a car for a commodity. Here, inventory financing products are loan products provided by installment finance companies to trading firms to pre-empt the used car loan market.

The used car trading firm guides the installment financing products of the installment finance companies that provide inventory financing when used car financing is utilized by the installment financing companies and when used car consumers use installment financing.

Accordingly, installment finance companies provide inventory financing products to trading companies to secure installment finance consumers.

However, in the case of purchasing a car for a commodity, the owner of a used car trading company should be able to acquire a commodity car by receiving funds from an installment finance company in order to set up a mortgage quickly.

However, if the mortgage setting is carried out by the installment finance company and the automobile trading business person or if it goes through the registration agency, it takes a lot of time to visit the registration office and process it.

Also, even if the applicant uses the method disclosed in the patent application No. 1638576 registered by the applicant and registered, the mortgage setting can be performed more quickly than the direct visit method because there is no need to visit the registration office. However, If the person in charge is vacated, or if the work of the installment finance manager is delayed, the work may be delayed.

In the case of such a business delay, a consumer who intends to sell the vehicle to the relevant automobile trading firm may cancel or delay the transaction, which may cause problems in the purchase of the car for the product.

Also, in the case of commodities using inventory financing, the mortgage setup should be canceled in order to be sold to consumers, but there is a possibility that the customer may exit if the mortgage erasure is delayed.

SUMMARY OF THE INVENTION Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and an object of the present invention is to provide a method and apparatus for solving the problems of the related art, And to provide a system and method for registering and erasing the automobile mortgage of a boss.

It is another object of the present invention to provide a method and system for solving the problems of the prior art. In the case of setting a mortgage, And to provide a system and method for registering and erasing a mortgage of a trading firm that allows a mortgage setting to proceed.

It is another object of the present invention to overcome the above-mentioned problems of the related art by providing a method for soliciting a mortgage erroneous request only for a car number using stock financing at the time of delinquent mortgage, And to provide a system and method for registering and deleting mortgages.

According to an aspect of the present invention, there is provided a method of registering and setting up an automobile mortgage < RTI ID = 0.0 > And to provide an erasable system and method.

Another object of the present invention is to provide a system and method for registering and erasing an automobile mortgage right of a trading company that can enhance the security of the registration of the mortgage policy setting by real-time authentication.

In addition, the technical problem to be solved by the present invention is to set up and delete an on-line registration, and to allow an installment financial institution to pay local taxes to a virtual account and to make an electronic payment from the received money, , And to provide a registration and cancellation system and method of registering and setting up an automobile mortgage for a trading firm that has the effect of eliminating the possibility of the occurrence of fraud by those who apply for registration and other agents who substitute other automobile owners.

It is another object of the present invention to provide a system and method for registering and erasing an automobile mortgage for a trading firm capable of enhancing security authentication by separately configuring a certification company server.

It is another object of the present invention to provide a system and method for registering and erasing an automobile mortgage of a trading company, which allows an applicant for an automobile mortgage lapse to erase a current situation in real time.

According to another aspect of the present invention, there is provided a method for registering and erasing an automobile mortgage,

A step S100 of requesting the installment financial institution to use the inventory-financing product when the used car trading firm and the installment finance company have signed an inventory financing use contract and then purchase the car for the product;

The step S101 of the installment financial institution approving the use of the inventory-financing product through the on-casse server 200.

The used car trading company accesses the on-line server 200 through the trading company terminal 810 (S102), and inputs a car registration number and an owner registration number, and confirms whether or not it is possible to set a mortgage. (S103) after confirming the owner of the vehicle through the automobile system 220 after storing the information input by the information processing unit 201 of the terminal 200;

The information processing unit 201 of the on-casse server 200 confirms whether or not the stock financing is used after confirming the inputted information, and when the stock financing is used, the information processing unit 201 transmits the information to the automobile system 220, Checks the information delivered by the information processing unit 201 of the on-casse server 200 and confirms whether there is a mortgage or not and whether the mortgagee is matched and transmits the result information to the information processing unit 201 of the on-casse server 200 (S104);

When the information processing unit 201 of the on-casse server 200 can set a mortgage, it notifies the possibility of the purchase through the merchandise trading terminal 810, and the used car trading firm sends an electronic signature through the merchandise trading terminal 810 Execution is performed in step S105;

When the information processing unit 201 and the authentication processing unit 202 of the on-casse server 200 check the digital signature result from the authentication company system 500 and the electronic signature is completed, (S106), the used car trading firm confirms availability through the trading company terminal 810 and accepts a mortgage setting;

The mortgage setting is advanced by the information processing unit 201 of the on-casse server 200 (S107) and the mortgage setting is completed (S108);

The installment financial institution system 600 and the trading company terminal 810 access the on-cas server through the Internet network or the wired / wireless communication network 900 to check the registration completion information of the registration information storage 212, (S109). ≪ / RTI >

According to another aspect of the present invention, there is provided a method for registering and erasing an automobile mortgage,

When the used car trading firm tries to sell a used car using stock financing of an installment financial company (S200), the used car trading firm proceeds with the mortgage canceling business through the trading commercial terminal 810 (S201);

When the used car trading company inputs the car registration number through the trading company terminal 810 and requests the possibility of canceling the mortgage (S202), the information processing unit 201 of the on- The registration information storage unit 212 confirms the vehicle registration number input from the merchant terminal 810 through the communication network 900 to check whether the vehicle is using inventory financing. If the inventory financing is not used, the information processing unit 201 (S203) of transmitting vehicle information to the vehicle system 220 when stock finance is used;

If the automobile system 220 has a mortgage right and a mortgage of the automobile registration number received by the information processing unit 201 of the on-casse server 200, the mortgage lender transfers the mortgage lender to the information processing unit 201 of the on-casse server 200 Step S204;

If the information processing unit 201 of the on-casse server 200 has a mortgage right and the mortgage lien is identical, it indicates that the trading company terminal 810 can be accepted. If there is no mortgage lien or does not match the mortgage lender, Indicating that reception is impossible;

When the receipt is possible, the used car trading firm requests the receipt of the mortgage erasure through the merchant's terminal 810 (S205), and transmits the mortgage erasure receipt request information stored in the information processing unit 201 of the on- Step S206 of confirming by the financial institution system 600;

In step S207, the installment financial institution system 600 confirms whether or not the mortgage of the vehicle to be canceled is fully paid out (S207).

The installment financial institution system 600 receives the mortgage deletion request to the information processing unit 201 of the on-casus server 200 through the Internet network or the wired / wireless communication network 900 (S209);

The information processing unit 201 of the on-casse server 200 receives the mortgage erasure completion information from the automobile system 200 and stores the mortgage erasure completion information in the registration information storage 212 (212) (Step S211).

According to an aspect of the present invention, there is provided a system for registering and erasing an automobile mortgage,

A database unit for storing the mortgage establishment registration application information, the mortgage canceling application information, the mortgage establishment registration information, and the mortgage canceling registration information;

Refers to the database section, receives automobile mortgage registration application information or automobile mortgage lender registration application information from an installment financial institution system or a trading company terminal, inquires of the registrant, performs a mortgage registration registration procedure or a mortgage registration registration procedure, And a server for receiving and storing the mortgage establishment registration completion information or the mortgage cancel registration completion information from the automobile system that completes the application for setting registration or the registration of the mortgage cancellation.

The server comprises: an information processing unit for requesting registration of the article to the automobile system, receiving the registered article inquiry result information, and proceeding to complete and process the registration of the mortgage article (or erasure);

An authentication processing unit for directly processing the authentication of a complainant or an installment financial institution or performing authentication through an external authentication company system;

A financial processing unit for calculating an amount including taxes and fees necessary for setting up the mortgage (or canceling) the mortgage together with the cleaning system, generating a virtual account to request the deposit to the complainant, and performing the payment completion process after the deposit is completed do.

The server further includes a status providing unit for providing the status of the registration of an automobile mortgage (or erasure) registration to the complainant or installment financial institution in real time for each step.

The status providing unit may further provide a remaining time from the current status to the completion using the statistics of the time required for each step of the current status of the registration of the automobile mortgage (or erasure) registration.

The server further includes a status providing unit for providing the status of the registration of an automobile mortgage (or erasure) registration to the complainant or installment financial institution in real time for each step.

In the embodiment of the present invention as described above, it is possible to shorten the working time by using the used car transaction history person by participating in the direct mortgage setting and cancellation work.

In addition, in the embodiment of the present invention, since the used car trading firm directly adheres to the mortgage setting and cancellation work, the work of the installment financial officer decreases.

Further, in the embodiment of the present invention, since the setting of the mortgage and the reduction of the dead time can contribute to the activation of the used car transaction.

Also, in the embodiment of the present invention, increase in work efficiency and related costs can be reduced through utilization of non-paper documents, non-paper money, and irrelevant services in setting up a mortgage and erasing.

In addition, according to the embodiment of the present invention, it is possible to process all the procedures on-line without the need for complicated documents, thereby making it possible to provide convenience for the applicant.

In addition, since the authentication process is performed in real time in the embodiment of the present invention, the security of the registration of the mortgage rights setting can be enhanced.

In addition, in the embodiment of the present invention, the local government is allowed to deposit mortgage on-line and register the mortgage on an on-line financial institution, There is an effect of eliminating the possibility of illegal generation of the person who registers and the person who submits the registration by substituting the owner of the car and the agent.

Further, in the embodiment of the present invention, security authentication can be strengthened by separately configuring a certification vendor server.

Further, in the embodiment of the present invention, the applicant for setting up the mortgage on the car and registering the erasure can confirm the current situation in real time.

1 is a configuration diagram of an automobile mortgage registration registration and deletion system of a trading company according to an embodiment of the present invention.
FIGS. 2A to 13 are control flow charts of an automobile mortgage registration and cancellation method according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

In the following explanation, the complainant is the same person as a mortgage applicant or a mortgage lender or a mortgager.

Hereinafter, a system and method for registering and erasing an automobile mortgage of a trading company according to an embodiment of the present invention will be described with reference to FIGS. 1 to 13. FIG.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram illustrating a configuration of an automobile foreclosures registration and deletion system according to an embodiment of the present invention; FIG.

Referring to FIG. 1, an automobile mortgage registration and erasure system of a trading company according to an embodiment of the present invention includes:

A database 210 for storing the mortgage establishment registration application information, the mortgage canceling application information, the mortgage establishment registration information, and the mortgage canceling registration information;

And receives the automobile mortgage policy registration application information or the automobile mortgage policy cancellation registration application information from the installment financial institution system 600 or the trading company terminal 810 with reference to the database 210, And an on-casus server 200 for receiving and storing the mock-up setting registration completion information or the mortgage right termination registration completion information from the automobile system 220 that completes the application for the registration of the mortgage rights setting registration or the registration of the mortgage rights cancellation do.

The on-casse server 200 includes an information processing unit 201, an authentication processing unit 202, a financial processing unit 203, and a state providing unit 204.

The information processing unit 201 refers to the database 210 and receives information from the trading company terminal 810 or the installment financial institution system 600

A car mortgage policy registration application information or an automobile mortgage policy cancellation registration application information, a registered member inquiry, a mortgage establishment registration procedure or a mortgage cancellation registration procedure, and an automobile system And receives the mortgage-set-up registration completion information or the mortgage-right-erase-completed registration information from the server 220, and proceeds to the mortgage-rights erase registration process and completes the process.

The authentication processing unit 202 directly processes the authentication of a complainant or an installment financial institution or authenticates the authentication through an external authentication company system.

The financial processing unit 203 calculates the amount including the tax and commission required for the setting of the mortgage and the expiration process in cooperation with the cleansing system, creates a virtual account, requests the payment to the installment financial institution or the complainant, Process.

The state provisioning unit 204 provides the current state of the automobile mortgage or erasure registration processing to the trading firm or the installment financial institution in real time for each step. The state providing unit 204 further provides a remaining time from the current state to the completion by using the statistics of the required time for each step of the current state of the car mortgage or the erasure registration process.

For example, 15 hours is expected to be completed at the beginning of the application, and at the tax payment stage, information such as 2 hours is expected to be completed, and the present stage can be indicated.

The database 210 includes an applicant information storage unit 211 for storing applicant information and a registration information storage unit 212 for storing registration information. If necessary, the database 210 may further include vehicle registration information.

The above components may be operated separately by different government offices, companies, and civil applicants, and some systems may be operated by a government office or an enterprise in one or a plurality of divisions, if necessary.

A description will be given of the operation of the registration and erasure system of the automobile mortgage establishment of the trading company having such a configuration as follows.

In the following process, the sales manager and the installment financial manager may access the on-cas server 200 through their terminals and perform operations while viewing the screen information provided by the on-cas server 200. In this case, The detailed description is omitted. And in the following, the complainant is a trading boss.

The banking system 700, the automobile system 220, the authentication system system 500, the cleaning system 230, the installment financial institution system 600, etc. may have their own server, And a terminal (not shown) for displaying screen information.

FIGS. 2A to 13 are control flow charts of an automobile mortgage registration registration and deletion method according to an embodiment of the present invention.

Referring to FIGS. 2A and 2B, after a used car trading firm and an installment financial company have concluded an inventory financing use contract (OFF LINE), they purchase a commercial car.

 When purchasing a car for a product, it requests the installment finance company to use inventory-financing products. Currently, most of the work is performed in off-line service such as telephone, but the service can be approved in on-cas server 200 (S100).

Then, the installment financial company approves the use of the inventory-financing product through the OFF-line operation such as the on-cas server 200 or the telephone (S101).

Then, the used car trading firm accesses the on-line server 200 through the trading company terminal 810 (S102). At this time, enter the vehicle registration number and the owner registration number as needed.

The used car trading firm inputs the vehicle registration number and the owner registration number through the terminal 810 and confirms whether or not it is possible to set a mortgage.

Then, the information processing unit 201 of the on-chassis server 200 confirms the vehicle owner through the car system 220 after storing the input information (S103).

The information processing unit 201 of the on-chassis server 200 confirms whether the stock financing is used after confirming the inputted information, and transmits the information to the automobile system 220 when the stock financing is used. Then, the car system 220 confirms whether there is a mortgage right or not and confirms whether or not the mortgagee is matched, and sends the result information to an information processing unit (not shown) of the on-casse server 200 201 (S104).

When the mortgage setting is possible, the information processing unit 201 of the on-casus server 200 notifies the possibility of the availability through the trading company terminal 810, and the used car trading firm conducts an electronic signature through the trading commercial terminal 810 do. At this time, the electronic signature is completed through the trading company terminal 810, the authentication company system 500, and the authentication processing unit 202. (S105)

The information processing unit 201 and the authentication processing unit 202 of the on-cas server 200 confirm the digital signature result from the authentication company system 500 and if the digital signature is completed, . Then, the used car trading firm confirms the availability through the trading company terminal 810 and accepts the mortgage setting (S106).

Thereafter, the mortgage setting proceeds (S107), and the mortgage setting is completed (S108). Here, the process of establishing a mortgage is disclosed in a patent owned by the present applicant (an automobile mortgage policy registration method including an authentication process and an authentication setting registration system using it, 10-1633491) or an automobile mortgage policy registration method (10-1638576) The role of the complainant terminal can be replaced by the trading company terminal.

Next, the installment financial institution system 600 and the trading company terminal 810 access the on-cas server through the Internet network or the wired / wireless communication network 900 to check the registration completion information of the registration information storage 212, Verify that it is complete. After confirming the completion of the mortgage setting, the installment financial institution executes the inventory financial product to the trading company (deposit the loan) (S109).

The steps S107 and S108 will be described in more detail as follows.

The administrator terminal 100 may be a trading company terminal 810.

Referring to FIGS. 3A to 3C, the administrator terminal 100 is connected to the on-casse server 200 and requests registration of the automobile mortgage (S11).

Then, the information processing unit 201 of the on-casus server 200 receives the automobile registration number of the mock-court setting registration requester through the manager terminal 100, and transmits the automobile registration number to the automobile registration institution server 300 to request the manuscript inquiry ( S12).

Next, the vehicle registration authority server 300 registers the vehicle registration number, the name, the address, the vehicle number, the name of the vehicle, the name of the vehicle, the type of vehicle, Model, initial registration date, acquisition amount information, and the like), and transmits the inquiry result to the on-casus server 200 (S13).

If it is determined that the car is registered, the information processing unit 201 of the on-casse server 200 receives the setting registration addition information such as the vehicle setting registration cause, the bond value, and the cause of the registration through the manager terminal 100, (S14).

Next, the information processing unit 201 of the on-casse server 200 inputs and receives the selection result information on the digital signature scheme through the administrator terminal 100 (S15).

The information processing unit 201 of the on-casus server 200 receives and receives the mobile phone number, name, and car number information of the automobile mortgage establishment registration requester through the manager terminal 100, And transmits it to the authentication vendor server 500 (S16). Date of birth, etc. may be added as needed, but it is preferably not included for personal privacy protection.

The authentication processing unit 202 of the next on-chassis server 200 requests the authentication server 500 to authenticate the authentication server 400 and the inquiry result from the registration authority server 300 and the information input through the administrator terminal 100.

Then, the authentication vendor server 500 transmits the authentication number to the cell phone 800 of the storage right setting requester, identifies the user, and compares the transferred identification information of the user and determines whether or not they match.

If they match, the authentication company server 500 generates an authentication number and transmits it to the mortgage establishment requesting cellular phone 800 (S17).

Next, the authentication processing unit 202 of the on-chassis server 200 receives the authentication number through the administrator terminal 100 and confirms whether or not the authentication number matches based on the authentication number (S18).

When the authentication numbers match, the authentication processing unit 202 of the on-casse server 200 authenticates the third authentication company, proceeds with the digital signature process, and transmits the digital signature completion information to the financial institution server 600 (S19 ).

Then, the financial processing unit 203 of the installment financial server server 600 transmits the prepaid or postal payment selection information to the on-casse server 200 (S20).

In the case of pre-payment, the financial processing unit 203 of the on-casus server 200 transmits the payment information to the financial institution server 700 and requests a virtual account number (S21).

Then, the financial institution server 700 generates a virtual account number and transmits the virtual account to the on-casse server 200 (S22).

Thereafter, the financial processing unit 203 of the on-casus server 200 transmits the virtual account and the transfer amount information to the financial institution server 600 (S23).

Then, the installment financial company server 600 transfers the corresponding amount to the virtual account and transmits the payment result information to the financial institution server 700 (S24).

Next, the financial institution server 700 transmits the payment result information to the on-casse server 200 (S25).

Then, the financial processing unit 203 of the on-chassis server 200 that has received the payment information from the financial institution server 700 completes and stores the application for registration of the mortgage policy setting, and transmits the mortgage policy setting registration application completion information to the registration authority server 300 (S26).

Next, the registration authority server 300 determines whether or not to approve based on the mortgage-set-up registration application completion information and digital signature completion information (S27). If necessary, only the mortgage registration setting application completion information can be used.

If it is approved, the registration authority server 300 stores the mortgage establishment registration application completion information in the car registration counter and transmits the mortgage establishment registration application completion information to the standard local tax server 400 (S28).

Next, the standard local tax server 400 calculates the amount of tax paid and generates an electronic payment number (S29).

Then, the standard local taxation server 400 transmits the amount of payment tax and the electronic payment number information such as the registration license tax and the deposit zone to the on-casse server 200 (S30).

Next, the financial processing unit 203 of the on-casus server 200 transmits the payment amount and electronic payment number information to the corresponding financial institution server (S31).

In step S32, the financial institution server 700 transfers the registration fee and the deposit zone from the money deposited in the virtual account to the electronic payment number, and transmits the payment tax amount transfer information to the standard local taxation server 400 (S32).

Thereafter, the standard local taxation server 400 transmits the payment tax amount transfer information to the registry server 300 (S33).

Also, the registration authority server 300 completes the registration of the mortgage rights setting based on the received payment amount transfer information, and transmits the mortgage assignment registration completion information to the on-casus server 200 (S34).

Next, the information processing unit 201 of the on-casus server 200 stores the received mortgage establishment setting registration completion information in the setting registration information storage unit 212 of the database 210 (S35).

In this process, the manager terminal 100 is owned by the installment financial company server 600 staff.

The mobile phone 800 is held by the mortgage establishment registration requestor.

Further, an employee of the installment financial server server 600 may access the on-casse server 200 through the administrator terminal 100 and execute the mortgage registration setting procedure according to the request of the requestor who requests to register the mortgage establishment.

The electronic signature process in step S105 will be described in more detail as follows.

FIG. 4 is a control flowchart of the electronic signature method by the mobile phone 800 and the MO information through the authentication company applied to the present invention.

4, if the electronic signature scheme is selected as the mobile phone and the MO information in step S15, the digital signature method according to the mobile phone 800 and the MO information through the authentication company applied in the present invention is as follows.

If it is the authentication result, the on-casus server 200 transmits the authentication number requesting the digital signature to the authentication company server 500 (S41).

Then, the authentication company server 500 transmits the digital signature related MO information to the mobile phone number of the mortgage establishment setting registration requester (S42).

Then, the mobile phone 800 of the mortgage establishment registration requester receives the authentication number and transmits it to the authentication company server 500 (S43).

Thereafter, the authentication company server 500 transmits the received authentication number to the on-casus server 200 (S44).

Then, the on-casus server 200 confirms whether or not the authentication numbers match, and if they match, the digital signature is completed and the digital signature completion information is transmitted to the financial institution server 600 (S45).

In the above process, the digital signature method has been described using the mobile phone 800 and the MO information through the authentication company. However, the present invention can be applied to other modifications as needed.

Hereinafter, a process of deleting the registration after the registration of the setting is completed will be described.

FIGS. 5A and 5B are diagrams illustrating a method of canceling the registration of an automobile mortgage and the erasing method of a trading company according to an embodiment of the present invention.

Referring to FIGS. 5A and 5B, a used car trading firm tries to sell a used car (commodity) using stock financing of an installment financial company (a member of a used car trading firm of OnCas server 200, (S200).

Then, the used car trading company proceeds with the mortgage canceling operation through the trading company terminal 810 (S201).

The used car trading firm inputs the car registration number through the trading company terminal 810 and requests the possibility of canceling the mortgage (S202).

The information processing unit 201 of the on-chassis server 200 checks the registration information stored in the registration information storage unit 212 of the automobile registration number input from the trading company terminal 810 via the Internet network or the wired / wireless communication network 900, If the inventory financing is not used, the information processing unit 201 delivers the receipt information. If the inventory financing is used, the vehicle information is transmitted to the automobile system 220 (S203).

Then, the car system 220 transmits the mortgage lender to the information processing unit 201 of the on-casse server 200 in the case where there is a mortgage right and the mortgage right of the car registration number received from the information processing unit 201 of the on- (S204). At this time, information such as the vehicle registration number, the existence of a mortgage, and the name of the mortgagee are transmitted.

The information processing unit 201 of the on-casus server 200 has a mortgage right and displays the acceptance of the trading company terminal 810 when it is coincident with the mortgage lender. If there is no mortgage right or does not match the mortgage lender, ) Indicates that reception is impossible. When the receipt is possible, the used car trading company requests receipt of the mortgage cancellation through the trading company terminal 810 (S205). At this time, information such as the automobile registration number and the owner registration number match is transmitted.

The installment financial institution system 600 confirms the mortgage erasure acceptance request information stored in the information processing unit 201 of the on-casus server 200 (S206)

Then, the installment financial institution system 600 confirms whether or not the mortgage right of the vehicle to be deleted is fully paid. (S207).

The installment financial institution system 600 confirms the full payment through the installment financial institution system 600. If the installment financial institution system 600 fails to complete payment,

The installment financial institution system 600 accepts the mortgage deletion request to the information processing unit 201 of the on-casse server 200 via the Internet network or the wired / wireless communication network 900 (S209).

Thereafter, the mortgage erasing process is performed (S210). At this time, the mortgage erasing process can use the erasure process described in the automobile mortgage erasing registration system and method (registration number: 10-1661550) that the applicant wishes to export.

When the mortgage erasure is completed, the information processing unit 201 of the on-casse server 200 receives the mortgage erasure completion information from the automobile system 200 and stores the data of the corresponding car in the registration information storage unit 212. In addition, the used car trading firm carries out the used car sales business for the vehicle whose mortgage erasure is confirmed through the installment financial institution system 600 and the trading company terminal 810 (S211)

For reference, the registration erasure process (S210) will be described in detail as follows.

6 to 13 are control flowcharts of a method of registering an automatic mortgage right erasure according to an embodiment of the present invention. In the following, the complainant terminal is a trading company terminal 810.

Referring to FIG. 6, the mortgage-settler connects to the on-casse server 200 by a complainant terminal 810 and makes a mortgage erroneous request for his / her own car whose mortgage is set (S300).

Then, the on-casus server 200 provides the complaint screen information, and the complainant accesses the complaint screen of the on-casus server 200 to his / her terminal 810, and inputs the car number to which the mortgage erasure is to be performed (S301).

After the complainant inputs the vehicle registration number, the on-casse server 200 transmits the received information to the vehicle registration server of the automobile system 700 to request the article inquiry (S302). The processing may be performed through inquiry of the internal database 210 as needed.

After that, the car registration server inquires the car registration part stored in the registration server and transmits inquiry result information to the on-cas server (S303).

When it is confirmed that the inquiry result is registered, the on-casus server 200 temporarily stores the result number, the name of the mortgagee (mutual name), the mortgage registration number, the amount of mortgage setting, (S304).

Then, the civil lender who is the lender of the mortgage lender checks the result of the article inquiry including the details of the lender of the owner's own vehicle at the complainant terminal 810 and decides whether or not to request the registration of the mortgage lender errata (S702). If there is no request to register the mortgage, there is no further proceeding.

On the other hand, if the complainant requests the on-casus server 200 to register the mortgage right erase right (S703), the on-casus server 200 requests the corresponding installment financial institution system 600 to register the mortgage erasure.

Then, the person in charge of the installment financial institution system 600 confirms the details of the mortgage registration request requested by the complainant on the installment financial institution screen. (S704)

After confirming the registration information of the mortgage erasure, the installment financial institution (200) system checks whether the applicant has a mortgage or not and whether the amount of the bond is fully paid (S705).

The installment financial institution manager checks whether the applicant has a mortgage or not and whether the mortgage can be completely canceled through the on-casse server 200 (S706).

If the person in charge of the installment financial institution has additional information necessary for the mortgage erasure registration in the installment financial institution terminal, the information is input and accepted to the registration office (S707).

here. Additional information may be the name of the payer, telephone number, and so on.

The installment financial institution server transmits the prepaid or prepaid information to the on-casse server 200 (S709). Here, there are pre-payment and post-payment divisions, and the order of work may be different according to payment division. Prepayment means the case where the mortgage erroneous work is carried out after the payment of the total amount including the registration fee, the local tax such as registration tax, the local tax, On the other hand, post-payment is a case where the entire amount is paid after the mortgage erasure work is carried out.

In the case of pre-payment, the financial processing unit 203 of the on-casus server 200 transmits the prepaid information of the financial institution to the bank system 700 and requests and receives the virtual account information (S710). Here, the virtual account is an account to pay out-of-state income and use fee such as oncas registration license tax, local tax, shoji bank, and cash register. At this time, the virtual account information to be generated is the bank name, the account number, and the account holder.

Next, the on-casus server 200 transmits the virtual account number and the amount of money to be transferred to the mortgage installer or the installment financial company server (S711). Specifically, the financial processing unit 203 of the on-casus server 200 generates a virtual account, and stores the bank account information of the created virtual account, including the total amount of the local tax, local taxes, , The account number, and the account holder information to the complainant in such a form that a complainant such as a short text message (SMS) can receive it. At this time, the on-cas server 200 of the system operator can operate the cash virtual currency, and in the case of payment using the virtual currency, the payment request procedure is omitted.

Then, the mortgagor installer or the installment financial company server transfers the corresponding amount to the virtual account number, and transmits the payment result information to the financial institution server of the bank system 700 (S712). For example, a complainant may include a bank account name of a previously created virtual account, including the total amount of outside income and use fees such as local taxes, The account number, and the account holder information, and performs a deposit process in a method specified by the financial processing unit 203 or in a method desired by the financial processor 203. [

Referring to FIG. 11, the financial institution server transmits payment result information to the on-casus server 200 (S800).

Then, the on-casus server 200 completes and stores the application for registering the mortgage erasure requested by the complainant, and transmits the mortgage erasure registration application completion information to the registration agency server (S801)

Then, the registrar server determines whether to approve based on the mortgage erasure registration application completion information (S802). Specifically, the receipt number provided by the on-cas server 200 includes a subscription number, a registration cause, a bond price, a cause of a lie, a date of setting up a mortgage, a vehicle registration number, a chassis number, a registration number of a mortgagee, , Name (reciprocal), and address.

If it is approved, the registration agency server stores the mortgage erasure registration application information in the car system 220 and transmits the mortgage erasure registration application information to the server of the cleaning system 230 (S803).

Thereafter, the server of the cleaning system 230 (standard local taxes, etc.) calculates the payment tax amount and generates an electronic payment number (S804).

Next, the server of the cleaning system 230 (the standard local tax, etc.) transmits the outside income information such as the local tax, the land registry, and the credit card to the on-casse server 200 (S805).

The on-casus server 200 transmits the payment tax amount and electronic payment number information to the corresponding financial institution server (S806).

Then, from the money deposited in the virtual account number of the corresponding financial institution server of the bank system 700, the outside income such as the registration fee and the local tax such as the license fee is transferred to the account of the registration office and the electronic payment number, To the cleaning system 230 and the on-cas server 200 (S807).

 The on-casse server 200 transmits the payment completion information to the registered office server and confirms payment completion from the server of the confirmation or cleaning system 230 by the registered office automobile civil affairs person in charge (S808).

Thereafter, the server of the cleaning system 230 transmits the payment completion information to the car system 220 (S809).

Then, the car system 220 completes the registration of mortgage deletion based on the received payment amount of the tax amount transfer information, and transmits the mortgage deletion registration information to the on-casse server 200 (S810).

Then, the on-casus server 200 transmits the mortgage erasure registration completion information to the server of the installment financial institution system 600 (S811).

Thereafter, the installment financial institution server transmits the completion of mortgage erroneous registration to the mortgage lender (S812)

On the other hand, the case of post-payment is as follows.

Referring to FIG. 12, the on-casus server 200 provides information on the result of the circular search to the complainant's terminal 810 (S901).

Then, the civil lender who is the lender of the mortgage lender checks the result of the inquiry including the details of the lender of the vehicle owned by the user at the complainant terminal 810 and decides whether or not to request registration of the mortgage lender. If there is no request to register the mortgage, there is no further proceeding.

On the other hand, if the complainant requests the on-casus server 200 to register the mortgage right erasure right (S903), the on-casus server 200 requests the corresponding installment financial institution system 600 to register the mortgage erasure.

Then, the person in charge of the installment financial institution system 600 confirms the details of the mortgage registration request requested by the complainant on the installment financial institution screen. (S904)

After confirming the registration information of the mortgage erasure, the installment financial institution system 600 confirms whether the applicant has a mortgage or not and whether the amount of the mortgage is fully paid (S905).

After the installment financial institution manager confirms whether the applicant has a mortgage or not and whether the proceeds of the mortgage are to be discharged through the on-casse server 200 (S906).

If the person in charge of the installment financial institution has additional information necessary for the mortgage erasure registration in the installment financial institution terminal, the information is entered and accepted by the registration office (S907).

here. Additional information may be the name of the payer, telephone number, and so on.

The installment financial institution server transmits the prepaid or postal payment information to the on-casse server 200 (S909).

When the on-casus server 200 receives the post-payment information, the on-casus server transmits the post-mortem erasure registration application completion information to the registration agency server (S910).

Next, the registrar server of the automobile system 220 determines whether or not to approve based on the mortgage erasure registration application completion information (S911).

If so, the registration authority server stores the mortgage erasure registration application information in the car system 220 and transmits the mortgage erasure registration application information to the cleaning system 230 server (S912).

Then, referring to FIG. 13, the server of the cleaning system 230 (standard local taxes, etc.) calculates the payment tax amount and generates an electronic payment number (S1000).

Next, the server of the cleaning system 230 (standard local tax, etc.) transmits out-of-state income information such as local taxes, a land registry, and a credit card to the on-casus server 200 (S1001).

After the on-casus server 200 transmits the payment amount and electronic payment number information to the corresponding financial institution server, the on-casus server 200 requests and generates a virtual account (S1002).

The on-casus server 200 transmits the virtual account number and amount information to be transferred to the mortgage installer or the installment financial server (S1003).

Then, the mortgagor installer or installment financial company server transfers the corresponding amount to the virtual account number, and transmits the payment result information to the financial institution server (S1004).

Then, from the money deposited in the virtual account number by the corresponding financial institution server, the outside income such as the local tax, the rich zone and the credit card is transferred to the account of the registered office and the electronic payment number, And the on-casus server 200 (S1005).

The on-cas server sends the payment completion information to the registered office server, and the registered office automobile civil affairs official confirms the payment completion information from the server of the confirmation or cleaning system 230 (S1006).

Thereafter, the server of the cleaning system 230 transmits the payment completion information to the car system 220 (S1007).

Then, the automobile system 220 completes the mortgage erroneous registration based on the received payment amount transfer information and transfers the mortgage erroneous registration information to the on-casus server 200 (S1008).

Then, the whole CAS server 200 transmits a mortgage cancel registration completion information to the server of the financial institution division system (600)) (S1009).

Thereafter, the installment financial institution server transmits the completion of mortgage erroneous registration to the mortgage lender (S1010).

This process completes the registration process of the car foreclosures.

If necessary, the condition providing unit 204 provides the current status of the registration process of the car foreclosures to each of the cellular phone 800, the terminal 810, or the installment financial institution system 600 of the complainant in real time.

The state providing unit 204 may further provide the remaining time from the current state to the completion by using the statistics of the required time for each step of the current state of registration of the vehicle mortgage right.

For example, 15 hours is expected to be completed at the beginning of the application, and at the tax payment stage, the guide letter such as 2 hours is expected to be completed, and the present stage of the complainant.

In the embodiment of the present invention as described above, it is possible to shorten the working time by using the used car transaction history person by participating in the direct mortgage setting and cancellation work.

In addition, because the boss is indeed over used cars for sale and in direct mortgages settings and erase operations in embodiments of the present invention decreases the work of the financial institutions division representative.

Further, in the embodiment of the present invention, since the setting of the mortgage and the reduction of the dead time can contribute to the activation of the used car transaction.

Also, in the embodiment of the present invention, increase in work efficiency and related costs can be reduced through utilization of non-paper documents, non-paper money, and irrelevant services in setting up a mortgage and erasing.

In addition, according to the embodiment of the present invention, it is possible to process all the procedures on-line without the need for complicated documents, thereby making it possible to provide convenience for the applicant.

In addition, since the authentication process is performed in real time in the embodiment of the present invention, the security of the registration of the mortgage rights setting can be enhanced.

In addition, in the embodiment of the present invention, the mortgage company can register the mortgage on-line, and the local tax is deposited in the virtual account from the installment financial institution, and the payment can be made electronically. There is an effect of eliminating the possibility of the occurrence of fraud by the person who subscribes to the registration and the agent by replacing the owner.

Further, in the embodiment of the present invention, security authentication can be strengthened by separately configuring a certification vendor server.

Further, in the embodiment of the present invention, the applicant for registering the mortgage right can confirm the current situation in real time.

The embodiments of the present invention described above are not only implemented by the apparatus and method but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

200: OnCas server 810: Trading company terminal
201: information processing unit 202: authentication processing unit
203: financial processing unit 204:
210: database unit 211: applicant information storage unit
212: registration information storage unit 220: car system
230: cleaning system 500: certified company system
600: Installment financial institution system 700: Bank system
800: Mobile phone 900: Internet network or wired / wireless communication network

Claims (4)

(S100) when the used car trading firm requests the stock financing company system to use the inventory financing using product as a trading company terminal when buying a car for a commodity;
The above-described financial institution system approves the use of the inventory-financing product through the on-line server 200 (S101).
The used car trading company accesses the on-line server 200 through the trading company terminal 810 (S102), and inputs a car registration number and an owner registration number, and confirms whether or not it is possible to set a mortgage. (S103) after confirming the owner of the vehicle through the automobile system 220 after storing the information input by the information processing unit 201 of the terminal 200;
The information processing unit 201 of the on-casse server 200 confirms whether or not the stock financing is used after confirming the inputted information, and when the stock financing is used, the information processing unit 201 transmits the information to the automobile system 220, Checks the information delivered by the information processing unit 201 of the on-casse server 200 and confirms whether there is a mortgage or not and whether the mortgagee is matched and transmits the result information to the information processing unit 201 of the on-casse server 200 (S104);
When the information processing unit 201 of the on-casse server 200 can set a mortgage, it notifies the possibility of the purchase through the merchandise trading terminal 810, and the used car trading firm sends an electronic signature through the merchandise trading terminal 810 (S105);
When the information processing unit 201 and the authentication processing unit 202 of the on-casse server 200 check the digital signature result from the authentication company system 500 and the electronic signature is completed, (S106), the used car trading firm confirms availability through the trading company terminal 810 and accepts a mortgage setting;
The mortgage setting is advanced by the information processing unit 201 of the on-casse server 200 (S107) and the mortgage setting is completed (S108);
The installment financial institution system 600 and the trading company terminal 810 access the on-cas server through the Internet network or the wired / wireless communication network 900 to check the registration completion information of the registration information storage 212, (S109), and the step
If the used car trading firm tries to sell a used car using stock financing of an installment financial company (S200), the used car trading firm proceeds through the merchant terminal 810 (S201);
When the used car trading company inputs the car registration number through the trading company terminal 810 and requests the possibility of canceling the mortgage (S202), the information processing unit 201 of the on- The registration information storage unit 212 confirms the vehicle registration number input from the merchant terminal 810 through the communication network 900 to check whether the vehicle is using inventory financing. If the inventory financing is not used, the information processing unit 201 (S203) of transmitting vehicle information to the vehicle system 220 when stock finance is used;
If the automobile system 220 has a mortgage right and a mortgage of the automobile registration number received by the information processing unit 201 of the on-casse server 200, the mortgage lender transfers the mortgage lender to the information processing unit 201 of the on-casse server 200 Step S204;
If the information processing unit 201 of the on-casse server 200 has a mortgage right and the mortgagee agrees, it indicates that the trading company terminal 810 can be accepted. If there is no mortgage or the mortgage holder does not match, Indicating that reception is impossible;
If the second-car trading firm requests the acceptance of the mortgage erasure through the trading company terminal 810 (S205), the second-car trading firm sends the mortgage erasure request information stored in the information processing unit 201 of the on- A step S206 of confirming by the financial institution system 600;
In step S207, the installment financial institution system 600 confirms whether or not the mortgage of the vehicle to be deleted is fully paid out (S207).
The installment financial institution system 600 receives the mortgage deletion request from the information processing unit 201 of the on-casus server 200 via the Internet network or the wired / wireless communication network 900 (S209);
The information processing unit 201 of the on-casse server 200 receives the mortgage erasure completion information from the automobile system 200 and stores the mortgage erasure completion information in the registration information storage 212 (212) (Step S211). ≪ / RTI >
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