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KR20140020388A - Banking managing system for an autoloan and controlling method therefor - Google Patents

Banking managing system for an autoloan and controlling method therefor Download PDF

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KR20140020388A
KR20140020388A KR1020120086560A KR20120086560A KR20140020388A KR 20140020388 A KR20140020388 A KR 20140020388A KR 1020120086560 A KR1020120086560 A KR 1020120086560A KR 20120086560 A KR20120086560 A KR 20120086560A KR 20140020388 A KR20140020388 A KR 20140020388A
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이헌석
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Abstract

본 발명은 차량구매를 위한 차량담보 대출신청자가 차량담보자금대출을 신청할 경우 이를 취합하여 사전대출평가를 실행한 후 지급보증심사요청신호를 전송한 다음 그 결과에 따라 차량담보대출을 최종적으로 실행되도록 제어하는 뱅킹관리서버와; 상기 뱅킹관리서버로부터 전송받은 차량담보대출 신청자에 대해 지급보증심사를 진행한후 그 결과신호를 뱅킹관리서버를 통해 해당 대출자에게 전송하고 해당 대출자가 약정을 요구할 경우 지급보증약정을 실행한 다음 뱅킹관리서버의 대출실행통보신호에 따라 차량등록확인 및 근저당설정과정을 제어하는 지급보증기관 서버를 포함하여 구성되는 차량대출을 위한 뱅킹관리시스템 및 그 제어방법을 제공한다.
상기와 같은 본 발명은 차량구매를 위한 대출신청자가 별도로 시간을 내어 금융기관이나 지급보증기관의 담당부서를 매번 직접 방문하지 않고도 영업점단말기나 인터넷을 통해 원하는 금융기관서버에 접속하여 차량구매를 위한 차량담보대출을 신청하여 그 실행을 신속히 확인할 수가 있으므로 그에 따라 차량구매를 위한 대출신청자의 편의성을 극대화시키는 효과가 있다.According to the present invention, when a vehicle secured loan applicant for vehicle purchase applies for a vehicle secured loan, it executes a pre-loan evaluation, transmits a payment guarantee request signal, and finally executes a vehicle secured loan according to the result. A banking management server for controlling; After the payment guarantee examination for the vehicle secured loan applicant received from the banking management server, the result signal is transmitted to the lender through the banking management server, and if the borrower requests the agreement, the payment guarantee agreement is executed and then banking management According to the loan execution notification signal of the server provides a banking management system and a control method for a vehicle loan comprising a payment guarantee institution server that controls the vehicle registration confirmation and base mortgage setting process.
As described above, the present invention provides a vehicle for a vehicle purchase by accessing a desired financial institution server through a branch terminal or the Internet without having to directly visit a department in charge of a financial institution or a payment guarantee institution each time by a loan applicant for vehicle purchase. By applying for a secured loan, the execution can be quickly confirmed, thereby maximizing the convenience of the loan applicant for vehicle purchase.

Description

차량대출을 위한 뱅킹관리시스템 및 그 제어방법{banking managing system for an autoloan and controlling method therefor} Banking management system for an autoloan and controlling method therefor}

본 발명은 차량대출을 위한 뱅킹관리시스템 및 그 제어방법에 관한 것으로, 특히 차량구매를 위한 차량담보대출신청을 영업점 단말기 혹은 인터넷을 통해 뱅킹관리서버가 모두 취합하여 지급보증기관 서버를 통해 심사하여 대출가능여부를 즉시 알려주고, 대출가능자에 대해서만 지급보증기관 서버의 지급보증을 받아 최종적으로 차량구매를 위한 차량담보 구매자금대출을 실행시키므로써, 차량구매를 위한 대출신청자의 편의성을 극대화시키는 차량대출을 위한 뱅킹관리시스템 및 그 제어방법에 관한것이다.
The present invention relates to a banking management system for a vehicle loan and a control method thereof, and in particular, the vehicle security loan application for vehicle purchase is collected by a banking management server through a sales terminal or the Internet, and then examined through a payment guarantee institution server. It immediately informs the availability and obtains the guarantee of payment from the payment guarantee institution server only for the borrower and finally executes the vehicle security purchase loan for the vehicle purchase, thereby maximizing the convenience of the loan applicant for the vehicle purchase. Banking management system and its control method.

일반적으로 대출은 금융기관이 고객으로부터 유치한 예금을 적정 자격을 가진 대출신청자에게 신청금액을 소정의 금리로 빌려주고, 상기 대출신청자는 약정된 기한까지 대출원금 및 이자를 상환하는 업무행위를 말하는데, 주로 대출신청자가 해당 은행을 방문해서 상기 은행의 담당직원과 상담을 통해서 대출자격기준을 확인한 다음, 대출절차를 숙지하여 대출신청을 진행하게 된다. 또한, 상기와 같은 대출신청자가 보증보험증권, 부동산 등의 담보가 있을 경우에는 해당 담보물에 대한 법적효력을 가진 등기업무를 진행하기 위해 법무사 등의 도움이 필요하기도 하다. 상기 은행은 상기 설명에서와 같이 고객의 예금을 빌려주고서 그 이자를 주된 수입원으로 하고 있으므로, 대출신청자가 건전한 거래 파트너인지를 판단해야 하므로, 대출신청자는 이를 확인하기 위한 각종 서류 예컨대, 주민등록등본, 등기부등본, 재직증명서, 원천징수영수증 등을 해당 기관에서 발급받아서 제출하게 된다.Generally, a loan is a business activity in which a loan from a financial institution is borrowed from a customer to a loan applicant with a proper qualification at a predetermined interest rate, and the loan applicant repays the loan principal and interest by a predetermined period. The applicant visits the bank, consults with the staff in charge of the bank, and checks the loan eligibility criteria. In addition, when the loan applicant has collateral such as a guarantee insurance policy, real estate, etc., the help of a lawyer may be required to proceed with the registration work having legal effect on the collateral. Since the bank lends the customer's deposit and the interest is the main source of income as described above, it is necessary to determine whether the loan applicant is a healthy trading partner, so that the loan applicant must check various documents such as resident registration copies and registers. A copy, certificate of employment, and withholding receipt will be issued and submitted by the relevant institution.

여기서 상기와 같은 대출시스템과 관련된 선행기술로는 노석호에 의해 출원된 한국특허출원 제2011-0046434호 가 공지되어 있다.Here, as a prior art related to such a loan system is known Korean Patent Application No. 2011-0046434 filed by Noh Seok-ho.

그러면, 상기와 같은 종래 대출시스템의 일례를 도 1을 참고로 살펴보면, 차량구매를 위한 대출자금을 받기 원하는 대출신청자가 차량구매를 위한 차량담보대출에 필요한 서류를 구비하여 금융기관의 영업점에 내방하여 대출을 신청하는 대출신청단계(S100)와;       Then, referring to Figure 1 of the conventional loan system as described above, the loan applicant who wants to receive the loan funds for the vehicle purchase with the documents required for the vehicle mortgage loan for the vehicle purchase to visit the branch of the financial institution Loan application step (S100) for applying for a loan;

상기 대출신청단계(S100)후에 대출신청을 한 대출자가 지급보증서발급기관을 내방하여 차량구매를 위한 대출에 대해 지급보증서를 발급해줄 수 있는 지를 확인한 후 그 확인결과에 따라 지급보증을 약정을 한 다음 지급보증서를 발급받아 대출을 신청한 해당 금융기관에 제출하는 지급보증서 발급단계(S101)와;      After the loan application step (S100), the lender who applied for a loan visits the payment guarantee issuing agency, checks whether the loan can be issued for the loan for the vehicle purchase, and then makes a payment guarantee agreement according to the result of the confirmation. A payment guarantee issuing step of receiving the payment guarantee and submitting it to the financial institution applying for the loan (S101);

상기 지급보증서 발급단계(S101)후에 금융기관이 지급보증서를 근거로 하여 차량구매를 위한 차량담보대출을 실행하는 차량담보대출 실행단계(S102)와;      A vehicle mortgage loan executing step (S102) in which a financial institution executes a vehicle mortgage loan for a vehicle purchase based on the payment guarantee certificate after the payment guarantee certificate issuing step (S101);

상기 차량담보대출 실행단계(S102)후에 지급보증서발급기관이 해당 대출자의 차량 등록을 확인하고 해당 차량에 대한 근저당을 설정하는 차량대출 사후처리단계(S103)를 포함하여 구성된다.      After the vehicle mortgage loan execution step (S102), the payment guarantee issuance agency is configured to include a vehicle loan post-processing step (S103) of confirming the vehicle registration of the borrower and setting a base mortgage for the vehicle.

즉, 상기와 같은 종래 대출시스템에 의한 차량구매를 위한 차량담보대출은 먼저, 차량담보대출을 받기 원하는 대출신청자가 자신이 대출을 받기를 원하는 금융기관에 방문하여 금융기관의 대출담당직원에게 차량구매를 위한 차량담보대출에 필요한 자료를 제공하고 대출을 신청한다. 그러면, 상기 금융기관의 대출담당직원은 대출신청자의 개인신용등급 및 금융거래 내역을 기준으로 대출을 심사한후 대출이 불가능하면 즉시 해당 대출신청자에게 알려주고, 만약 대출이 가능할 경우 대출신청자의 대출 서류를 작성한다. 또한 상기 금융기관의 대출담당직원은 지급보증서발급기관으로 대출신청자에 대한 지급보증서 발급여부를 문의하거나 혹은 상기 대출자가 직접 지급보증서발급기관으로 내방하여 자신의 대출에 대한 지급보증서가 발급되는 지를 확인한다. 이때, 상기 지급보증서발급기관에서 상기 대출자에 대해 지급보증서를 발급하지 못할 경우에는 현 대출작업은 종료되나, 만약 지급보증서가 발급될 경우에는 해당 지급보증서를 금융기관으로 제출한다.      That is, a vehicle secured loan for a vehicle purchase by a conventional loan system as described above, first, a loan applicant who wants to obtain a vehicle secured loan visits a financial institution where he or she wants to obtain a loan and purchases a vehicle to a loan officer of a financial institution. Provide the necessary data for the mortgage loan and apply for a loan. Then, the loan officer of the financial institution examines the loan based on the loan applicant's personal credit rating and financial transaction history and immediately informs the loan applicant if the loan is not possible. Write. In addition, the loan officer of the financial institution inquires whether the payment guarantee issuance agency issues a payment guarantee for the loan applicant or checks whether the borrower visits the payment guarantee issuing institution directly and issues a payment guarantee for his loan. . At this time, if the payment guarantee issuing institution fails to issue the payment guarantee to the lender, the current loan operation is terminated. If the payment guarantee is issued, the payment guarantee is submitted to the financial institution.

그러면 상기 금융기관의 담당자는 상기와 같이 발급된 지급보증서를 근거로 하여 대출자에게 차량구매를 위한 차량담보대출을 실행하고 이를 보증서발급기관으로 통보한다. 그리고 상기 지급보증서발급기관에서는 해당 대출자의 차량 등록을 확인하고 해당 차량에 대한 근저당을 설정하므로 차량대출 사후처리를 종료시킨다.      Then, the person in charge of the financial institution executes the vehicle security loan for the vehicle purchase to the lender on the basis of the payment guarantee issued as described above and notifies the issuer of the guarantee certificate. In addition, the payment guarantee issuing agency confirms the vehicle registration of the borrower and sets the base mortgage for the vehicle, thereby ending the vehicle loan post-processing.

그러나 상기와 같은 종래 대출시스템은 차량구매를 위한 차량담보대출이 대부분 대출신청자가 직접 금융기관을 방문하여 해당 창구직원과 면담을 하면서 대출을 진행하는 방식이기 때문에 그러한 대출진행업무에 맞추어서 대출신청자가 상당량의 시간을 소비해야하므로 그에 따라 대출신청자의 편의성을 상당히 저하시켰으며, 또한 차량담보대출을 실행하는 금융기관측면에서도 해당 영업점마다 대출 창구직원들을 별도로 확보해야할 뿐만아니라 대출신청자가 제출한 서류에 대한 조사나 보증을 위해서도 일일이 대응해야 하므로 그에 따라 유지비용이 상당히 증가하였음은 물론 업무의 효율성도 상당히 저하시키는 문제점을 야기시켰다.
However, in the conventional loan system as described above, since most of the loans for vehicle purchase are loan applicants visiting financial institutions in person and interviewing the counter staffs, the loan applicants proceed with the loan. As a result, the convenience of the loan applicants has been significantly reduced, and the financial institution that executes the vehicle mortgage loan should not only secure a loan counter employee at each branch, but also investigate the documents submitted by the loan applicant. However, it was necessary to respond to each other for guarantees, which caused a significant increase in maintenance costs and a significant decrease in work efficiency.

이에 본 발명은 상기와 같은 종래 기술의 제반 문제점을 해결하기위해 발명된 것으로, 차량구매를 위한 대출신청자가 별도로 시간을 내어 금융기관이나 지급보증기관의 담당부서를 매번 직접 방문하지 않고도 영업점단말기나 인터넷을 통해 원하는 금융기관서버에 접속하여 차량구매를 위한 차량담보대출을 신청하여 그 실행을 신속히 확인할 수가 있는 차량대출을 위한 뱅킹관리시스템 및 그 제어방법을 제공함에 그 목적이 있다.Therefore, the present invention was invented to solve the above-mentioned problems of the prior art, and the loan applicant for vehicle purchase separately spends time without visiting the department in charge of the financial institution or the payment guarantee institution each time. The purpose of the present invention is to provide a banking management system and a control method for a vehicle loan that can be applied to a desired financial institution server and apply for a vehicle security loan for vehicle purchase and quickly check the execution thereof.

본 발명의 또 다른 목적은 차량구매를 위한 차량담보대출업무를 금융기관의 뱅킹관리서버를 매개로 인터넷을 경유하는 지급보증기관의 서버들이 서로 연계하여 신속히 실행하기 때문에 금융기관의 영업점에 확보된 대출담당직원들의 업무부담을 대폭 경감시켜주는 차량대출을 위한 뱅킹관리시스템 및 그 제어방법을 제공하는데 있다.
Still another object of the present invention is to secure a loan to a branch of a financial institution because a vehicle secured loan service for vehicle purchase is quickly executed in connection with servers of payment guarantee institutions via the Internet through a banking management server of a financial institution. The present invention provides a banking management system and a control method for vehicle loans that greatly reduce the burden on employees.

상기와 같은 목적을 달성하기 위한 본 발명은 차량구매를 위한 차량담보 대출신청자가 인터넷을 경유하는 단말기 혹은 금융기관 영업점의 단말기의 차량담보대출 메뉴화면에서 대출관련정보를 입력하여 차량구매를 위한 차량담보자금대출을 신청할 경우 이를 취합하여 사전대출평가를 실행한 후 가승인이 확인된 차량담보대출건에 대해 지급보증심사요청신호를 전송한 다음 그 결과에 따라 차량담보대출을 최종적으로 실행되도록 제어하는 뱅킹관리서버와;In order to achieve the above object, the present invention provides a vehicle secured vehicle for a vehicle purchase by inputting a loan-related information on a vehicle secured loan menu screen of a terminal through a terminal or a terminal of a financial institution for a vehicle purchase. In the case of applying for loans, banking is collected, the preliminary loan assessment is executed, and a payment guarantee request signal is sent for the approved loan secured loans, and then the loans are finally controlled according to the result. A management server;

상기 뱅킹관리서버로부터 전송받은 차량담보대출 신청자에 대해 지급보증심사를 진행한후 그 결과신호를 뱅킹관리서버를 통해 해당 대출자에게 전송하고 해당 대출자가 약정을 요구할 경우 지급보증약정을 실행한 다음 뱅킹관리서버의 대출실행통보신호에 따라 차량등록확인 및 근저당설정과정을 제어하는 지급보증기관 서버를 포함하여 구성되는 차량대출을 위한 뱅킹관리시스템을 제공한다.      After the payment guarantee examination for the vehicle secured loan applicant received from the banking management server, the result signal is transmitted to the lender through the banking management server, and if the borrower requests the agreement, the payment guarantee agreement is executed and then banking management According to the loan execution notification signal of the server provides a banking management system for a vehicle loan including a payment guarantee institution server that controls the vehicle registration confirmation and base mortgage setting process.

본 발명의 또 다른 특징은 차량구매를 위한 차량담보 대출신청자가 인터넷을 경유하는 단말기 혹은 금융기관 영업점의 영업점단말기의 차량담보대출 메뉴화면에서 대출관련정보를 입력하여 차량구매를 위한 차량담보자금대출을 신청하는 차량담보 대출신청과정과;Another feature of the present invention is a vehicle security loan applicant for vehicle purchases by entering the loan-related information on the vehicle security loan menu screen of the terminal or terminal of the financial institution branch via the Internet to secure the vehicle security loan for vehicle purchase Applying for a mortgage loan;

상기 차량담보 대출신청과정후에 뱅킹관리서버가 차량담보대출신호를 취합하여 사전대출평가를 실행한 후 가승인이 확인된 차량담보대출건에 대해 지급보증기관 서버로 지급보증심사요청신호를 전송하는 보증서심사 요청과정과; After the vehicle mortgage loan application process, the banking management server collects the vehicle mortgage loan signal, executes a preliminary loan evaluation, and sends a guarantee guarantee examination signal to the payment guarantee institution server for the vehicle mortgage loan whose approval has been confirmed. Audit request process;

상기 보증서심사 요청과정후에 지급보증기관 서버가 뱅킹관리서버로부터 전송받은 차량담보대출 신청자에 대해 지급보증심사를 진행한후 그 결과신호를 뱅킹관리서버를 통해 해당 대출자에게 전송하고 해당 대출자가 약정을 요구할 경우 지급보증약정을 실행한후 지급보증완료통보를 뱅킹관리서버로 전송하는 지급보증약정과정과;After the guarantee examination request process, the payment guarantee institution server performs the payment guarantee examination for the vehicle security loan applicant received from the banking management server, and transmits the result signal to the lender through the banking management server, and the lender requests the agreement. A payment guarantee agreement process of transmitting a payment guarantee completion notice to the banking management server after executing the payment guarantee agreement;

상기 지급보증약정과정후에 뱅킹관리서버가 지급보증기관 서버로부터 통보받은 지급보증을 근거로 하여 차량구매를 위한 차량담보대출을 실행하고 대출실행통보를 지급보증기관 서버로 전송하는 차량담보대출 실행과정과;After the payment guarantee arrangement process, the banking management server executes the vehicle security loan for the purchase of the vehicle based on the payment guarantee received from the payment guarantee institution server and transmits the loan execution notification to the payment guarantee institution server; ;

상기 차량담보대출 실행과정후에 지급보증기관 서버가 뱅킹관리서버의 대출실행통보신호에 따라 대출자의 차량등록확인 및 근저당설정과정을 실행하는 사후관리과정을 포함하여 구성되는 차량대출을 위한 뱅킹관리시스템의 제어방법을 제공한다.
After the vehicle mortgage loan execution process of the banking management system for the vehicle loan, including a post-management process that the payment guarantee institution server executes the loan registration notification and the basis mortgage setting process of the borrower according to the loan execution notification signal of the banking management server. Provide control method.

상기와 같은 본 발명에 의하면, 차량구매를 위한 차량담보대출신청을 영업점 단말기 혹은 인터넷을 통해 뱅킹관리서버가 모두 취합하여 지급보증기관 서버를 통해 심사하여 대출가능여부를 즉시 알려주고, 대출가능자에 대해서만 대출보증기관서버의 지급보증을 받아 최종적으로 차량구매를 위한 차량담보 구매자금대출을 실행시키므로써, 차량구매를 위한 대출신청자가 별도로 시간을 내어 금융기관이나 보증서발급기관의 담당부서를 매번 직접 방문하지 않고도 영업점단말기나 인터넷을 통해 원하는 금융기관서버에 접속하여 차량구매를 위한 차량담보대출을 신청하여 그 실행을 신속히 확인할 수가 있으므로 그에 따라 차량구매를 위한 대출신청자의 편의성을 극대화시키는 효과가 있다.According to the present invention as described above, the bank mortgage loan application for the purchase of the vehicle through the terminal terminal or the Internet banking management server collects all through the payment guarantee agency server to notify immediately whether the loan is available, loan only to the borrowers By receiving the guarantee of the guarantee institution server and finally executing the vehicle security purchase loan for the purchase of the vehicle, the loan applicant for the purchase of the vehicle does not have to take time to visit the department in charge of the financial institution or the certificate issuing institution each time. By accessing the desired financial institution server through the sales terminal or the Internet, a vehicle mortgage loan can be applied for a vehicle purchase and the execution thereof can be quickly confirmed, thereby maximizing the convenience of the loan applicant for the vehicle purchase.

또한 상기와 같은 본 발명은 차량구매를 위한 차량담보대출업무를 금융기관의 뱅킹관리서버를 매개로 인터넷을 경유하는 지급보증기관의 서버들이 서로 연계하여 신속히 실행하기 때문에 금융기관의 영업점에 확보된 대출담당직원들의 업무부담을 대폭 경감시켜줌은 물론 그러한 차량구매를 위한 차량담보대출업무에 따른 유지비용도 상당히 저감시키는 효과도 있다.
In addition, the present invention as described above is a loan secured to the branch of the financial institution because the vehicle secured loan service for the purchase of the vehicle is quickly executed in connection with each other server of the payment guarantee institution via the Internet through the banking management server of the financial institution This greatly reduces the burden on the employees in charge, as well as significantly reducing the maintenance costs associated with the mortgage loan.

도 1은 종래 차량담보대출시스템의 절차를 설명하는 설명도.
도 2는 본 발명에 의한 차량대출을 위한 뱅킹관리시스템을 설명하는 설명도.
도 3은 본 발명의 플로우차트.1 is an explanatory diagram illustrating a procedure of a conventional vehicle security loan system.
2 is an explanatory diagram illustrating a banking management system for vehicle loans according to the present invention.
3 is a flowchart of the present invention.

이하, 본 발명을 첨부된 예시도면에 의거 상세히 설명한다.Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

본 발명은 도 2에 도시된 바와 같이 차량구매를 위한 차량담보 대출신청자가 인터넷(1)을 경유하는 단말기(2) 혹은 금융기관 영업점의 영업점단말기(3A-N)의 차량담보대출 메뉴화면에서 대출관련정보를 입력하여 차량구매를 위한 차량담보자금대출을 신청할 경우 이를 취합하여 사전대출평가를 실행한 후 가승인이 확인된 차량담보대출건에 대해 지급보증심사요청신호를 전송한 다음 그 결과에 따라 차량담보대출을 최종적으로 실행되도록 제어하는 뱅킹관리서버(4)와;As shown in FIG. 2, the applicant for a vehicle secured loan for vehicle purchase is loaned from a vehicle secured loan menu screen of a terminal 2 or a terminal 3A-N of a financial institution branch via the Internet 1. If you apply for the vehicle security loan to purchase the vehicle by entering the relevant information, perform the preliminary loan evaluation, send the payment guarantee request signal for the vehicle security loan whose approval has been confirmed, and then, according to the result. A banking management server 4 for controlling the vehicle mortgage to be finally executed;

상기 뱅킹관리서버(4)로부터 전송받은 차량담보대출 신청자에 대해 지급보증심사를 진행한후 그 결과신호를 뱅킹관리서버(4)를 통해 해당 대출자에게 전송하고 해당 대출자가 약정을 요구할 경우 지급보증약정을 실행한 다음 뱅킹관리서버(4)의 대출실행통보신호에 따라 차량등록확인 및 근저당설정과정을 제어하는 지급보증기관 서버(5)를 포함하여 구성된다.After the payment guarantee examination for the vehicle secured loan applicant received from the banking management server (4), the result signal is transmitted to the lender through the banking management server (4) and the payment guarantee agreement if the borrower requests an agreement After the execution of the banking management server (4) is configured to include a payment guarantee agency server (5) for controlling the vehicle registration confirmation and base mortgage setting process in accordance with the loan execution notification signal.

여기서 상기 차량에는 버스, 화물차와 같은 상용차가 포함된다.      Here, the vehicle includes a commercial vehicle such as a bus or a van.

그리고 상기 뱅킹관리서버(4)는 차량구매를 위한 대출에 대한 진행사항을 실시간으로 확인할 수 있도록 인터넷공지메뉴화면을 구성하여 제공한다. The banking management server 4 configures and provides an Internet notification menu screen so that the progress of the loan for vehicle purchase can be checked in real time.

또한 상기 뱅킹관리서버(4)는 차량구매를 위한 차량담보대출에 대한 진행사항을 해당 대출신청자가 실시간으로 확인할 수 있도록 이통망(6)을 통해 그 사실을 SMS문자메시지로 알려준다. In addition, the banking management server (4) informs the fact through the mobile network (6) to the fact that the loan applicants to check the progress on the vehicle mortgage loan for the vehicle purchase by SMS text message.

더나아가 상기 뱅킹관리서버(4)는 설정된 차량담보대출 애플리케이션을 구동한후 이통망(6)과 인터넷(1)을 통해 차량담보대출 메뉴에 접속하여 차량구매를 위한 대출절차를 진행할 수 있는 스마트기기(7)를 더 구비할 수 있다.Furthermore, the banking management server 4 is a smart device capable of proceeding with the loan procedure for vehicle purchase by accessing the vehicle mortgage loan menu through the mobile network 6 and the Internet (1) after running the set vehicle mortgage loan application (7) may be further provided.

여기서, 상기 스마트기기(7)에는 스마트폰과 스마트패드가 포함된다. Here, the smart device 7 includes a smartphone and a smart pad.

그리고, 상기 지급보증기관 서버(5)는 예컨대, 우리파이낸셜사의 서버일 수 있다.The payment guarantee institution server 5 may be, for example, a server of Woori Financial Company.

다음에는 상기와 같은 구성으로 된 본 발명의 제어방법을 설명한다.Next, the control method of the present invention having the above-described configuration will be described.

본 발명의 방법은 도 3에 도시된 바와 같이 초기상태(S1)에서 차량구매를 위한 차량담보 대출신청자가 인터넷을 경유하는 단말기 혹은 금융기관 영업점의 영업점단말기의 차량담보대출 메뉴화면에서 대출관련정보를 입력하여 차량구매를 위한 차량담보자금대출을 신청하는 차량담보 대출신청과정(S2)과;In the method of the present invention, as shown in FIG. 3, the vehicle-secured loan applicant for vehicle purchase in the initial state (S1) receives loan-related information on the vehicle-secured loan menu screen of the terminal terminal of the terminal or financial institution branch via the Internet. A vehicle security loan application process (S2) for inputting and applying for a vehicle security loan for vehicle purchase;

상기 차량담보 대출신청과정(S2)후에 뱅킹관리서버가 차량담보대출신호를 취합하여 사전대출평가를 실행한 후 가승인이 확인된 차량담보대출건에 대해 지급보증기관 서버로 지급보증심사요청신호를 전송하는 보증서심사 요청과정(S3)과; After the vehicle security loan application process (S2), the banking management server collects the vehicle security loan signal, executes a pre-loan evaluation, and sends a payment guarantee examination request signal to the payment guarantee institution server for the vehicle security loan whose approval is confirmed. Warranty examination request process to send (S3) and;

상기 보증서심사 요청과정(S3)후에 지급보증기관 서버가 뱅킹관리서버로부터 전송받은 차량담보대출 신청자에 대해 지급보증심사를 진행한후 그 결과신호를 뱅킹관리서버를 통해 해당 대출자에게 전송하고 해당 대출자가 약정을 요구할 경우 지급보증약정을 실행한후 지급보증완료통보를 뱅킹관리서버로 전송하는 지급보증약정과정(S4)과;After the guarantee examination request process (S3), the payment guarantee institution server performs the payment guarantee examination for the vehicle secured loan applicant received from the banking management server, and transmits the result signal to the lender through the banking management server. A payment guarantee agreement process (S4) of transmitting a payment guarantee completion notice to a banking management server after executing a payment guarantee agreement if an agreement is requested;

상기 지급보증약정과정(S4)후에 뱅킹관리서버가 지급보증기관 서버로부터 통보받은 지급보증을 근거로 하여 차량구매를 위한 차량담보대출을 실행하고 대출실행통보를 지급보증기관 서버로 전송하는 차량담보대출 실행과정(S5)과;After the payment guarantee agreement process (S4), the banking management server executes the vehicle security loan for the vehicle purchase based on the payment guarantee notified from the payment guarantee institution server and sends the loan execution notification to the payment guarantee institution server. Execution process (S5);

상기 차량담보대출 실행과정(S5)후에 지급보증기관 서버가 뱅킹관리서버의 대출실행통보신호에 따라 대출자의 차량등록확인 및 근저당설정과정을 실행하는 사후관리과정(S6)을 포함하여 구성된다.After the vehicle security loan execution process (S5), the payment guarantee institution server is configured to include a post-management process (S6) to execute the loan registration vehicle confirmation and the basis mortgage setting process according to the loan execution notification signal of the banking management server.

그리고 상기 차량담보 대출신청과정(S2)에는 뱅킹관리서버가 차량구매를 위한 대출에 대한 진행사항을 실시간으로 확인할 수 있도록 인터넷공지메뉴화면을 구성하여 제공하는 메뉴화면구성단계를 더 포함한다.The vehicle security loan application process (S2) further includes a menu screen configuration step of constructing and providing an Internet notification menu screen so that the banking management server can check the progress of the loan for the vehicle purchase in real time.

또한 상기 보증서심사 요청과정(S3)에는 뱅킹관리서버가 차량구매를 위한 차량담보대출에 대한 진행사항을 해당 대출신청자가 실시간으로 확인할 수 있도록 이통망을 통해 그 사실을 SMS문자메시지로 전송해주는 실시간안내단계를 더 포함한다. In addition, in the warranty examination request process (S3), the banking management server provides a real-time guide that transmits the fact to the SMS text message through the communication network so that the loan applicant can check the progress of the vehicle mortgage loan for the vehicle purchase in real time. It further comprises a step.

더나아가 상기 차량담보 대출신청과정(S2)에는 스마트기기가 설정된 차량담보대출 애플리케이션을 구동한후 이통망과 인터넷을 통해 차량담보대출 메뉴에 접속하여 차량구매를 위한 대출절차를 진행할 수 있도록 하는 스마트대출신청단계를 더 포함한다.Furthermore, in the vehicle mortgage loan application process (S2), a smart loan that allows a smart device to run a car mortgage loan application and then access a vehicle mortgage loan menu through a communication network and the Internet to proceed with a loan procedure for purchasing a vehicle. The application step further includes.

환언하면, 상기와 같은 본 발명 시스템에 의한 차량구매를 위한 차량담보대출은 먼저, 차량담보대출을 받기 원하는 차량담보 대출신청자가 인터넷(1)을 경유하는 단말기(2) 혹은 금융기관 영업점의 단말기(2)의 차량담보대출 메뉴화면에서 대출관련정보를 입력하여 차량구매를 위한 차량담보자금대출을 신청한다.In other words, the vehicle mortgage loan for the vehicle purchase by the present invention as described above, first, the vehicle mortgage loan applicant who wants to receive the vehicle mortgage loan via the Internet (1) terminal (2) or terminal of the financial institution branch ( Enter the loan-related information in the vehicle security loan menu screen of 2) to apply for a vehicle security loan for vehicle purchase.

그러면, 상기 뱅킹관리서버(4)는 상기와 같이 인터넷(1)을 경유하는 단말기(2) 혹은 금융기관 영업점의 단말기(2)로부터 신청된 차량담보대출신호를 취합하여 사전대출평가를 실행한 후 가승인이 확인된 차량담보대출건에 대해서만 지급보증기관 서버(5)로 지급보증심사요청신호를 전송한다.Then, the banking management server 4 collects the vehicle security loan signal applied from the terminal 2 via the Internet 1 or the terminal 2 of the branch office of the financial institution as described above, and then performs a pre-loan evaluation. Only for the vehicle mortgage loan whose approval is confirmed, the payment guarantee examination request signal is transmitted to the payment guarantee institution server 5.

따라서, 상기 지급보증기관 서버(5)는 뱅킹관리서버(4)로부터 전송받은 차량담보대출 신청자에 대해 지급보증심사를 진행한후 그 결과신호를 다시 뱅킹관리서버(4)를 통해 해당 대출자의 단말기(2)로 전송한다. 이때 상기와 같이 지급보증가능신호를 통보는 받은 대출신청자는 차량담보대출을 원할 경우 자신의 단말기(2) 혹은 직접내방하여 지급보증 약정을 요구할 수 있다. 그러면 상기 지급보증기관 서버(5)는 대출신청자와 설정된 지급보증약정을 실행한후 지급보증완료통보신호를 뱅킹관리서버(4)로 전송한다.Therefore, the payment guarantee institution server 5 performs the payment guarantee examination for the vehicle secured loan applicants received from the banking management server 4 and then sends the result signal back to the terminal of the lender through the banking management server 4. Transfer to (2). At this time, the loan applicant who is notified of the payment guarantee possible signal as described above may request a payment guarantee agreement by visiting his terminal 2 or direct visit if he / she wants a vehicle secured loan. Then, the payment guarantee institution server 5 transmits the payment guarantee completion notification signal to the banking management server 4 after executing the payment guarantee agreement set with the loan applicant.

한편, 상기 뱅킹관리서버(4)는 상기와 같이 지급보증기관 서버(5)로부터 통보받은 지급보증을 근거로 하여 차량구매를 위한 차량담보대출을 실행하고 대출실행통보신호를 지급보증기관 서버(5)로 전송시킨다.On the other hand, the banking management server (4) executes a vehicle security loan for the purchase of a vehicle on the basis of the payment guarantee received from the payment guarantee institution server (5) as described above, the payment guarantee agency server (5) To be sent.

그러면 상기 지급보증기관 서버(5)는 뱅킹관리서버(4)의 대출실행통보신호에 따라 대출자의 차량등록확인 및 근저당설정과정을 실행하는 사후관리과정을 처리한다.Then, the payment guarantee server server 5 processes the post-management process of executing the vehicle registration confirmation and base mortgage setting process of the borrower in accordance with the loan execution notification signal of the banking management server (4).

이 과정에서 상기 뱅킹관리서버(4)는 차량구매를 위한 대출에 대한 진행사항을 실시간으로 확인할 수 있도록 인터넷공지메뉴화면을 구성하여 인터넷(1) 혹은 스마트기기(7)의 애플리케이션으로 제공한다. 또한 상기 뱅킹관리서버(4)는 차량구매를 위한 차량담보대출에 대한 진행사항을 해당 대출신청자가 실시간으로 확인할 수 있도록 이통망(6)을 통해 그 사실을 SMS문자메시지로 전송해주게된다.In this process, the banking management server 4 configures the Internet notification menu screen so as to check the progress of the loan for the vehicle purchase in real time and provides the application to the Internet 1 or the smart device 7. In addition, the banking management server (4) is to send the fact via SMS communication message to the fact through the communication network (6) so that the loan applicant can check the progress on the vehicle mortgage loan for vehicle purchase in real time.

더나아가 상기 과정중에 스마트기기(7)를 소유한 대출자는 자신의 스마트기기(7)의 디스플레이상에서 설정된 차량담보대출 애플리케이션을 구동한후 이통망(6)과 인터넷(1)을 통해 차량담보대출 메뉴에 접속하여 차량구매를 위한 대출절차를 간편히 진행할 수도 있다.Furthermore, the lender who owns the smart device 7 during the above process runs the car mortgage loan application set on the display of his smart device 7 and then through the telecommunication network 6 and the Internet 1. You can also access the loan process for purchasing a vehicle simply by accessing.

따라서, 상기와 같은 본 발명에 의하면, 차량구매를 위한 차량담보대출신청을 영업점 단말기 혹은 인터넷을 통해 뱅킹관리서버가 모두 취합하여 지급보증기관 서버를 통해 심사하여 대출가능여부를 즉시 알려주고, 대출가능자에 대해서만 대출보증기관서버의 지급보증을 받아 최종적으로 차량구매를 위한 차량담보 구매자금대출을 실행시키므로써, 차량구매를 위한 대출신청자가 별도로 시간을 내어 금융기관이나 보증서발급기관의 담당부서를 매번 직접 방문하지 않고도 영업점단말기나 인터넷을 통해 원하는 금융기관서버에 접속하여 차량구매를 위한 차량담보대출을 신청하여 그 실행을 신속히 확인할 수가 있으므로 그에 따라 차량구매를 위한 대출신청자의 편의성을 극대화시킬 수 있다.Therefore, according to the present invention as described above, all the banking management server through the terminal terminal or the Internet to collect the vehicle mortgage loan application for vehicle purchase, and through the payment guarantee institution server to notify whether the loan is immediately available, Only the loan guarantee agency server guarantees the payment guarantee and finally executes the vehicle security purchase loan for the vehicle purchase, so that the loan applicant for the vehicle purchase separately takes time to visit the department in charge of the financial institution or the certificate issuing institution. It is possible to maximize the convenience of loan applicants for vehicle purchases by accessing the desired financial institution server through a terminal terminal or the Internet, and applying for a mortgage loan for vehicle purchases.

더나아가, 상기와 같은 본 발명은 차량구매를 위한 차량담보대출업무를 금융기관의 뱅킹관리서버를 매개로 인터넷을 경유하는 지급보증기관의 서버들이 서로 연계하여 신속히 실행하기 때문에 금융기관의 영업점에 확보된 대출담당직원들의 업무부담을 대폭 경감시켜줌은 물론 그러한 차량구매를 위한 차량담보대출업무에 따른 유지비용도 상당히 저감시킬 수도 있다.
Furthermore, the present invention as described above secures in the branch of the financial institution because the server of the payment guarantee institution via the Internet through the banking management server of the financial institution to execute the vehicle mortgage loan service for vehicle purchases quickly connected to each other. This can greatly reduce the burden on the loan officers, as well as significantly reduce the maintenance costs associated with the mortgage loan for such vehicles.

1 : 인터넷 2 : 단말기
3A-N: 영업점단말기 4 : 뱅킹관리서버
5 : 지급보증기관 서버 6 : 이통망
7 : 스마트기기 1: Internet 2: terminal
3A-N: Branch Terminal 4: Banking Management Server
5: payment guarantee institution server 6: communication network
7: Smart device

Claims (7)

차량구매를 위한 차량담보 대출신청자가 인터넷을 경유하는 단말기 혹은 금융기관 영업점의 단말기의 차량담보대출 메뉴화면에서 대출관련정보를 입력하여 차량구매를 위한 차량담보자금대출을 신청할 경우 이를 취합하여 사전대출평가를 실행한 후 가승인이 확인된 차량담보대출건에 대해 지급보증심사요청신호를 전송한 다음 그 결과에 따라 차량담보대출을 최종적으로 실행되도록 제어하는 뱅킹관리서버와;
상기 뱅킹관리서버로부터 전송받은 차량담보대출 신청자에 대해 지급보증심사를 진행한후 그 결과신호를 뱅킹관리서버를 통해 해당 대출자에게 전송하고 해당 대출자가 약정을 요구할 경우 지급보증약정을 실행한 다음 뱅킹관리서버의 대출실행통보신호에 따라 차량등록확인 및 근저당설정과정을 제어하는 지급보증기관 서버를 포함하여 구성되는 차량대출을 위한 뱅킹관리시스템.
If a vehicle secured loan applicant for vehicle purchase enters loan-related information on the vehicle secured loan menu screen of the terminal via the Internet or the terminal of a branch of a financial institution, and applies for a vehicle secured loan for vehicle purchase, it is collected and pre-loan evaluation A banking management server that transmits a payment guarantee request signal for the secured car loan loan whose approval is confirmed and then executes the secured car loan according to the result;
After the payment guarantee examination for the vehicle secured loan applicant received from the banking management server, the result signal is transmitted to the lender through the banking management server, and if the borrower requests the agreement, the payment guarantee agreement is executed and then banking management Banking management system for a vehicle loan comprising a payment guarantee institution server that controls the vehicle registration confirmation and base mortgage setting process in accordance with the loan execution notification signal of the server.
제1항에 있어서, 상기 뱅킹관리서버는 차량구매를 위한 대출에 대한 진행사항을 실시간으로 확인할 수 있도록 인터넷공지메뉴화면을 구성하여 제공하는 것을 특징으로 하는 차량대출을 위한 뱅킹관리시스템.
The banking management system for a vehicle loan according to claim 1, wherein the banking management server configures and provides an Internet notification menu screen so as to check in real time the progress of the loan for the vehicle purchase.
제1항에 있어서, 상기 뱅킹관리서버는 차량구매를 위한 차량담보대출에 대한 진행사항을 해당 대출신청자가 실시간으로 확인할 수 있도록 이통망(6)을 통해 그 사실을 SMS문자메시지로 알려주는 것을 특징으로 하는 차량대출을 위한 뱅킹관리시스템.
According to claim 1, The banking management server characterized in that the SMS text message to inform the fact through the communication network 6 so that the loan applicant can check in real time the progress of the vehicle mortgage loan for vehicle purchase Banking management system for vehicle loans.
제1항에 있어서, 상기 뱅킹관리서버는 설정된 차량담보대출 애플리케이션을 구동한후 이통망과 인터넷을 통해 차량담보대출 메뉴에 접속하여 차량구매를 위한 대출절차를 진행할 수 있는 스마트기기를 더 구비하는 것을 특징으로 하는 차량대출을 위한 뱅킹관리시스템.
According to claim 1, wherein the banking management server is further provided with a smart device that can proceed with the loan procedure for the vehicle purchase by accessing the vehicle mortgage loan menu through the mobile network and the Internet after running the set vehicle mortgage loan application Banking management system for vehicle loans characterized in that.
차량구매를 위한 차량담보 대출신청자가 인터넷을 경유하는 단말기 혹은 금융기관 영업점의 영업점단말기의 차량담보대출 메뉴화면에서 대출관련정보를 입력하여 차량구매를 위한 차량담보자금대출을 신청하는 차량담보 대출신청과정과;
상기 차량담보 대출신청과정후에 뱅킹관리서버가 차량담보대출신호를 취합하여 사전대출평가를 실행한 후 가승인이 확인된 차량담보대출건에 대해 지급보증기관 서버로 지급보증심사요청신호를 전송하는 보증서심사 요청과정과;
상기 보증서심사 요청과정후에 지급보증기관 서버가 뱅킹관리서버로부터 전송받은 차량담보대출 신청자에 대해 지급보증심사를 진행한후 그 결과신호를 뱅킹관리서버를 통해 해당 대출자에게 전송하고 해당 대출자가 약정을 요구할 경우 지급보증약정을 실행한후 지급보증완료통보를 뱅킹관리서버로 전송하는 지급보증약정과정과;
상기 지급보증약정과정후에 뱅킹관리서버가 지급보증기관 서버로부터 통보받은 지급보증을 근거로 하여 차량구매를 위한 차량담보대출을 실행하고 대출실행통보를 지급보증기관 서버로 전송하는 차량담보대출 실행과정과;
상기 차량담보대출 실행과정후에 지급보증기관 서버가 뱅킹관리서버의 대출실행통보신호에 따라 대출자의 차량등록확인 및 근저당설정과정을 실행하는 사후관리과정을 포함하여 구성되는 차량대출을 위한 뱅킹관리시스템의 제어방법.
The vehicle mortgage loan application process for applying for a vehicle mortgage loan to purchase a vehicle by entering the loan-related information on the vehicle mortgage loan menu screen of the terminal of the terminal of a financial institution or a financial institution branch via the Internet and;
After the vehicle mortgage loan application process, the banking management server collects the vehicle mortgage loan signal, executes a preliminary loan evaluation, and sends a guarantee guarantee examination signal to the payment guarantee institution server for the vehicle mortgage loan whose approval has been confirmed. Audit request process;
After the guarantee examination request process, the payment guarantee institution server performs the payment guarantee examination for the vehicle security loan applicant received from the banking management server, and transmits the result signal to the lender through the banking management server, and the lender requests the agreement. A payment guarantee agreement process of transmitting a payment guarantee completion notice to the banking management server after executing the payment guarantee agreement;
After the payment guarantee arrangement process, the banking management server executes the vehicle security loan for the purchase of the vehicle based on the payment guarantee received from the payment guarantee institution server and transmits the loan execution notification to the payment guarantee institution server; ;
After the vehicle mortgage loan execution process of the banking management system for the vehicle loan, including a post-management process that the payment guarantee institution server executes the loan registration notification and the basis mortgage setting process of the borrower according to the loan execution notification signal of the banking management server. Control method.
제5항에 있어서, 상기 보증서심사 요청과정에는 뱅킹관리서버가 차량구매를 위한 차량담보대출에 대한 진행사항을 해당 대출신청자가 실시간으로 확인할 수 있도록 이통망을 통해 그 사실을 SMS문자메시지로 전송해주는 실시간안내단계를 더 포함하는 것을 특징으로 하는 차량대출을 위한 뱅킹관리시스템의 제어방법.
The method of claim 5, wherein the warranty inspection request process, the banking management server transmits the facts via SMS to the SMS text message so that the loan applicant can check the progress of the loan secured for the vehicle purchase in real time Control method of the banking management system for a vehicle loan, characterized in that it further comprises a real-time guidance step.
제5항에 있어서, 상기 차량담보 대출신청과정에는 스마트기기가 설정된 차량담보대출 애플리케이션을 구동한후 이통망과 인터넷을 통해 차량담보대출 메뉴에 접속하여 차량구매를 위한 대출절차를 진행할 수 있도록 하는 스마트대출신청단계를 더 포함하는 것을 특징으로 하는 차량대출을 위한 뱅킹관리시스템의 제어방법.The smart car loan application process of claim 5, wherein the smart car loan application process includes a smart device configured to drive a car security loan application, and to access a car security loan menu through a communication network and the Internet to proceed with a loan process for vehicle purchase. Control method of the banking management system for a vehicle loan, characterized in that it further comprises a loan application step.
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US12321968B1 (en) 2006-08-17 2025-06-03 Experian Information Solutions, Inc. System and method for providing a score for a used vehicle
US12361485B1 (en) 2010-11-18 2025-07-15 AUTO I.D., Inc. System and method for providing comprehensive vehicle build information
US12073448B1 (en) * 2014-12-18 2024-08-27 Experian Information Solutions, Inc. System, method, apparatus and medium for simultaneously generating vehicle history reports and preapproved financing options
US12169529B1 (en) 2016-06-16 2024-12-17 Experian Information Solutions, Inc. Systems and methods of managing a database of alphanumeric values
US12461975B1 (en) 2016-06-16 2025-11-04 Experian Information Solutions, Inc. Systems and methods of managing a database of alphanumeric values
US12346296B1 (en) 2017-07-14 2025-07-01 Experian Information Solutions, Inc. Database system for automated event analysis and detection
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US12387142B1 (en) 2019-01-11 2025-08-12 Experian Information Solutions, Inc. Systems and methods for generating dynamic models based on trigger events
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