KR20200031864A - System and method for servicing sale of used car - Google Patents

Abstract

The present invention discloses a used car trading service system and method for sharing and managing profits arising from the sale of a vehicle in the process of consignment sale of a used car and risks associated with the unsold vehicle. The present invention can evenly distribute the profits arising from the sale of the vehicle in the process of consignment sale of the used car and the risks associated with the unsold vehicle, to the brokers and sellers, and provide investors with stable profits through investment products using P2P loan services. There is an advantage to do.

Description

Used Car Sales Service System and Method {SYSTEM AND METHOD FOR SERVICING SALE OF USED CAR}

The present invention is an invention related to a used car trading service system and method, and more specifically, it allows a trading broker and a seller to share and manage profits arising from the sale of a vehicle in the process of consignment sale of a used car and risks associated with not selling the vehicle. Used car sales service system and method.

In general, a used car means a car that has been operated for a certain period of time after being shipped from an automobile company, and is sold in a used car store opened separately from a car sales place selling new cars.

Such a used car is carried out by a used car seller selling a vehicle directly to a sales agent or requesting a consignment sales from a sales agent.

In the case of consignment sales, the sales broker prepares the purchase price through the loan service for the purchase of the used car, pays it to the used car seller, and performs the process of repaying the sale price prepared for the sale of the used car at this time. You will be able to profit from the sales.

However, if a used car prepared through a loan is not sold within a certain period of time, the traffic intermediary has a problem of increasing the interest burden and the burden of storage and management of the vehicle.

On the other hand, recently, a loan service using a peer-to-peer (Peer 2 Peer) service in which personal loans are made online has been commercialized.

These P2P loans are not finance companies such as lenders who borrow loans directly to their borrowers with their own capital or loans in advance, such as banks. Instead, they borrow users who want to receive loans (loan consumers) first, and the loan amount This is a method in which the interest rate is disclosed and made into one product, and then a large number of investors are recruited, and the loan is executed by lending all or part of the loan.

In addition, P2P loans tend to increase in terms of utilization because they provide investors with high-interest rate investment products, and in the aspect of lenders, they can conveniently borrow online through face-to-face.

Therefore, along with the development of various investment products using the P2P loan service, it is possible to prevent the risk caused by the vehicle not being sold to the trading broker, and the used car trading service that investors, trading brokers, and used car sellers can share the profits from the consignment sales. System is required.

Korean Registered Patent Publication No. 10-1165759 (Name of invention: Loan system and method for used car transaction)

In order to solve this problem, the present invention provides a used car trading service system and method for sharing and managing profits arising from the sale of a vehicle in the process of consignment sale of a used car and risks related to the unsold vehicle by a trading broker and a seller It aims to do.

In order to achieve the above object, the present invention is a platform service server for providing investment product information to an investor terminal; When a certain amount of money is deposited from the investor terminal, it is determined whether or not the loan is executed using the deposited amount, and the principal and right to receive the principal and interest generated by the execution of the loan are provided to the investor terminal, and when the loan is repaid, the loan is made. Financial company server to settle the profits generated in accordance with a preset condition; When the consigner information and the consignment sale of the used car are input through the used car consigner terminal, the financial institution server requests the execution of the loan for the consignment sale of the used car, and when the used car subject to the consignment sale is received, sets the mortgage for the used car and part of the loan Or, request that all be paid in advance based on the information of the consignor, request that the ownership of the used car be transferred to the buyer of the used car when the purchase price is deposited through the sale of the used car, and perform loan repayment through the deposited purchase price A dealer terminal; And a used car consigner terminal that provides consigner information input by a used car consignor to the dealer terminal, and displays settlement result information according to the used car sale.

In addition, the financial institution server according to the present invention is characterized in that it provides the result information on the profits settled according to the predetermined conditions to the investor terminal, the platform service server and the used car consigner terminal.

In addition, the financial institution server according to the present invention is characterized in that if the used car is sold after a certain period of time, the dividend is not settled to the used car consignor.

In addition, the dealer terminal according to the present invention is characterized in that if the used car is in an unsold state after a certain period of time, the ownership of the used car is transferred to the broker.

In addition, the transaction terminal according to the present invention is characterized in that, when the consignment sale cancellation request of the used car is requested, confirm the withdrawal of the penalty and advance payment due to the cancellation of the consignment sale, and to repay the loan with the collected penalty and advance payment Is done.

In addition, the present invention comprises the steps of: a) a platform service server performs a contract for investment product information provided by an investor terminal, and the investor terminal deposits a certain amount through a financial institution server; b) a step of requesting execution of a loan for the consignment sale of the used car to the financial institution server when the dealer terminal inputs the consigner information through the used car consigner terminal and the consignment sales contract of the used car; c) When the financial institution server determines the execution of the loan, the principal terminal of the loan generated by the execution of the loan is provided to the investor terminal, and the dealer terminal confirms the receipt of the used car subject to the consignment sale to the received used car Establishing a mortgage for the mortgage and requesting some or all of the loan to be paid in advance based on the consignor information; d) When the used car is sold and the purchase price is deposited, the dealer terminal requests ownership of the used car to be transferred to the used car buyer, transfers the transfer result to the used car buyer terminal, and performs loan repayment using the purchased price To do; And e) when repayment of the loan is made, the financial institution server may settle the profit generated by the loan according to a preset condition.

In addition, in step c) according to the present invention, when the dealer terminal requests to cancel the consignment sale of the used car, the commission of the used car consignment terminal is requested to recover the penalty and advance payment according to the cancellation of the consignment sale, and the penalty and advance payment When the recovery is confirmed, characterized in that it further comprises the step of allowing the loan to be repaid with the collected penalty and advance payment.

In addition, the step d) according to the present invention is characterized in that when the used terminal is in the unsold state after a certain period of time has elapsed, the ownership of the used car is transferred to the sales agent.

In addition, step e) according to the present invention is characterized in that if the used car is sold after a certain period of time, the financial company server manages the dividend to be used for the used car consignor.

The present invention has an advantage of evenly distributing profits arising from the sale of the vehicle in the process of consignment sale of a used car and risks associated with the non-sales of the vehicle to the trading relay and the seller.

In addition, the present invention has the advantage of providing a stable return of investors through investment products using P2P loan services.

1 is a block diagram showing the configuration of a used car trading service system according to the present invention.
Figure 2 is a flow chart showing the service process using the used car sales service system according to the present invention.
Figure 3 is a flow chart showing a process according to the cancellation of the consignment of the vehicle in the service process using the used car sales service system according to Figure 2;
Figure 4 is a flow chart showing the processing process according to the unsold vehicle in the service process using the used car sales service system according to Figure 2;
5 is a flow chart showing the settlement process of the sales price in the service process using the used car sales service system according to FIG.

Hereinafter, preferred embodiments of the used car trading service system and method according to the present invention will be described in detail with reference to the accompanying drawings.

In the present specification, the expression that a part “includes” a certain component does not exclude other components, but means that other components may be further included.

In addition, terms such as "‥ unit", "‥ group", "‥ module" mean a unit that processes at least one function or operation, which can be divided into hardware or software, or a combination of the two.

1 is a block diagram showing the configuration of a used car trading service system according to the present invention, FIG. 2 is a flowchart showing a service process using a used car trading service system according to the present invention, and FIG. 3 is a used car trading service system according to FIG. 2 It is a flow chart showing the processing process according to the cancellation of the consignment of the vehicle in the service process using FIG. Is a flow chart showing the settlement process of sales price in the service process using the used car trading service system according to FIG. 2.

As shown in Fig. 1, the used car trading service system according to the present invention includes an investor terminal 100, a platform service server 200, a financial institution server 300, a dealer terminal 400, and a used car consigner terminal 500 ), And a used car buyer terminal 600.

The investor terminal 100 connects to the platform service server 200 through a network, receives and displays investment product information provided by the platform service server 200, and an investor based on the received investment product information A. A terminal device owned by an investor that is made to allow contracts for investment products, input of the investor's name, contact information, account number, and remittance of a certain amount (investment money). A terminal device including a tablet PC, which can install and execute any application program, and a network connection such as the Internet is sufficient.

In addition, the investor terminal 100 may be provided with a plurality of different investor terminals for a predetermined number of investment products divided by an arbitrary stake.

The platform service server 200 provides information on an arbitrary investment product (for example, a P2P loan investment product using a used car loan) to the investor terminal 100, and the investment product provided to the investor terminal 100 Manages subscriptions and contracts for Korea.

In addition, the platform service server 200 manages to repay the requested investment through the financial institution server 300 when a request for repayment of the investment for the investment product is input from the investor terminal 100.

The financial institution server 300 may be connected to the investor terminal 100, the platform service server 200, the dealer terminal 400, and the used car consigner terminal 500 through a network, and a predetermined amount from the investor terminal 100 When the investment money is deposited, the deposited investment money and investor information are managed, and whether the loan is executed using the deposited amount is determined, and the principal payment right generated by the execution of the loan is provided to the investor terminal 100 do.

Whether or not the loan is executed may be compared according to a preset condition of the used car, and may be determined according to whether the vehicle is sold or not.

In addition, the financial institution server 300, when the repayment of the loan is made, settles the profits generated by the loans according to a preset condition, and returns the profits generated according to the calculated results to the investor terminal 100, the platform service server 200 ) And used car entrustor terminal 500.

In addition, the finance company server 300 manages not to settle the dividends that are settled to the used car consignor who has contracted or requested the consignment sale when the used car is entrusted with sales exceeding a preset loan execution period after the loan is executed.

The trading terminal 400 is a terminal of a trading relay for relaying the sale of a used car, and includes a mobile communication terminal, a smart phone, a notebook PC, a tablet PC, and can install and execute any application program, and the Internet. A terminal device capable of network connection is sufficient.

In addition, the dealer terminal 400 transmits information on the terms and conditions of the consignment through SNS, SMS, MMS, etc. to any used car consignor terminal 500, and allows subscriptions and contracts for consignment sales.

The above consignment sales conditions prepay the price within a certain range for the evaluated vehicle price, and if the sale is completed early or within a certain amount, the dividend for the revenue generated accordingly is paid or for a certain period. If it cannot be sold within, it can include various conditions such as not paying additional dividends in addition to the amount paid in advance.

In addition, when the dealer terminal 400 and the used car information and the used car information for the consignment sale of the used car through the used car consigner terminal 500, performs a preset contract process and stores the results, and the input information Based on the request to the loan server for the consignment sale of the used car to the financial institution server 300.

In addition, the dealer terminal 400 manages the mortgage for the used car to be set when the used car subject to the consignment sale is received, and when the used car subject to the consignment sale is received, part or all of the loan generated through the execution of the loan (for example, For example, 50% to 80% of the used car value) is requested to be prepaid based on the information of the consignor.

In other words, the terminal 400 of the dealer makes the ownership of the used car sold in the consignment to the used car consignor, and sets only the mortgage for the vehicle so that it can be set as collateral for the loan.

In addition, when the sale of the used car is completed and the purchase price of the used car is deposited through the used car buyer terminal 600, the dealer terminal 400 manages the ownership of the used car to be transferred from the used car consignor to the used car buyer. The mortgage set in the used car is requested to be extinguished.

In addition, the dealer terminal 400 transmits the purchase price of the used car used through the financial institution server 300 to perform repayment of the loan generated for the consignment sale of the used car.

In addition, when the used terminal is unsold after a certain period of time (for example, 90 days) after starting the consignment sale of the used car, the terminal 400 of the dealer is a system so that ownership of the used car is transferred from the used car consignor to the sale relay. The transfer of ownership by means of minimizing the loss of traffic brokers due to storage and management of used cars.

In addition, when the dealer terminal 400 is requested to cancel the consignment sale of the used vehicle through the used vehicle consignor terminal 500, the dealer terminal 400 requests the used vehicle consignor terminal 500 to recover the penalty and advance payment due to the cancellation of the consignment sale.

In addition, the transaction terminal 400 allows the loan to be repaid with the collected penalty and advance payment when the collection of the penalty and advance payment is confirmed.

The used car consigner terminal 500 provides consignor information such as information, name, contact information, account number, etc. of the vehicle to be sold for consignment input by the used car consignor to the dealer terminal 400, and displays settlement result information according to the used car sale As a configuration, a mobile terminal, a smart phone, a notebook PC, a tablet PC, and the like, any application program can be installed and executed, and a terminal device capable of network access such as the Internet is sufficient.

The used car buyer terminal 600 is a used car buyer's terminal, and inputs buyer information for the purchase and ownership transfer of a used car to provide it to the dealer terminal 400, and provides mobile communication terminals, smartphones, notebook PCs, tablet PCs, etc. Included, any application program can be installed and run, and a terminal device capable of network access such as the Internet is sufficient.

Next, a service method using a used car sales service system according to the present invention will be described with reference to FIGS. 1 to 5.

The platform service server 200 provides information on a P2P loan investment product using a used car loan to the investor terminal 100 through the network, and provides subscriptions and contracts for investment product information provided through the investor terminal 100. Performing (S100), the investor terminal 100 in accordance with the contract in step S100 deposits a certain amount of money through the financial institution server 300 (S200).

The dealer terminal 400 transmits information on the terms and conditions of the consignment sale to the used car consignor terminal 500 through SNS, SMS, MMS, etc., so that the contract and the contract for the consignment sale can be made, and the used car consigner terminal 500 ) Through the input of the consigner information and the consignment sales contract of the used car, the financial institution server 300 requests execution of the loan for the consignment sale of the used car (S300).

In response to the request of the step S300, the financial institution server 300 determines whether or not to execute the loan for the used car by comparing and evaluating whether or not the consignment is sold, and the condition and condition of the used car according to a preset criterion (S400).

The dealer terminal 400 receives and confirms information on whether or not the used car subject to consignment sale is received, and when the receipt of the used car is confirmed, the mortgage of the used car is set (S500).

In addition, when the transaction terminal 400 requests the financial institution server 300 to pay in advance or in part or all of the loan amount determined in the step S400, the financial institution server 300 executes the loan. The right to receive the principal and interest is provided to the investor terminal 100 (S600).

Thereafter, the dealer terminal 400 determines whether the sale of the vehicle is completed (S700).

As a result of the determination in step S700, when the purchaser terminal 400 deposits the purchase price of the used vehicle along with the purchase request of the used vehicle through the used vehicle buyer terminal 600, the mortgage set in the used vehicle is released, and the used vehicle Requests that ownership be transferred from the used car consignor to the used car buyer, the transfer result is transmitted to the used car buyer terminal 600, and the loan is repaid using the purchase price (S800).

When the loan repayment of the step S800 is made, the financial company server 300 calculates the profit generated by the loan according to a preset condition, and the investor terminal 100, the platform service according to the calculated result It is provided to at least one of the server 200 and the used car entrustor terminal 500 (S900).

That is, in the step S900, the financial institution server 300 pays through the dividend according to equity, a certain amount of fees, and the like, when the early repayment and profit of the loan occurs, the profits generated from the used car consignor, the investor, and the platform service server. Dividends (S910, S920).

On the other hand, in the step S700, in the state where the sale of the vehicle is not made, when the consignment sale cancellation of the used car is requested (S710), the dealer terminal 400 checks whether the consignment sale is possible (S720).

As a result of the check in step S720, if it is possible to cancel, the dealer terminal 400 requests the collection of the cancellation fee and the advance payment due to the cancellation of the consignment sale to the used car consignor terminal 500 (S730), and the cancellation fee and the advance payment When the collection is confirmed, the loan is repaid through the collected penalty and advance payment (S740).

In addition, in step S700, the consignment period is compared with a preset reference period (for example, a period set to determine the end of consignment sale) (S711), and the consignment period exceeds the reference period, the used car If is not sold, the dealer terminal 400 transmits the current state to the financial institution server 300, and the dividend to be settled to the consignor among the profits to be generated is extinguished (S712), and ownership of the used car is transferred to the broker. Perform as possible (S713).

Therefore, in the process of consignment sales of used cars, profits generated from the sale of vehicles and risks related to unsold vehicles can be evenly distributed to trading brokers and sellers, and investors' stable profits are provided through investment products using P2P loan services. I can do it.

As described above, although described with reference to preferred embodiments of the present invention, those skilled in the art variously modify and change the present invention without departing from the spirit and scope of the present invention as set forth in the claims below. You can understand that you can.

In addition, the drawing numbers described in the claims of the present invention are merely for clarity and convenience of explanation, and are not limited thereto. In the course of explaining the embodiment, the thickness of the lines or the size of components shown in the drawings, etc. May be exaggerated for clarity and convenience of description, and the above-mentioned terms are terms defined in consideration of functions in the present invention, and may be changed according to the intention or custom of the user or operator, and thus, interpretation of these terms Should be made based on the contents throughout this specification.

100: investor terminal
200: platform service server
300: financial company server
400: terminal for sale
500: Used car entrustor terminal
600: Used car buyer terminal

Claims (9)

A platform service server 200 that provides investment product information to the investor terminal 100;
When a certain amount of money is deposited from the investor terminal 100, it is determined whether or not the loan is executed using the deposited amount, and the principal and interest receivables generated by the execution of the loan are provided to the investor terminal 100, and When repayment is made, the financial company server 300 that setstles the revenue generated by the loan according to a preset condition;
When the consigner information and the consignment sale of the used car are input through the used car consignor terminal 500, the financial institution server 300 requests a loan execution for the consignment sale of the used car, and when the used car subject to the consignment sale is received, the mortgage on the used car Request for pre-payment of part or all of the loan, based on the consignor information, and request to transfer ownership of the used car to the buyer of the used car when the purchase price is deposited through the sale of the used car, and through the deposited purchase price A dealer terminal 400 that performs loan repayment; And
A used car trading service system including a used car consigner terminal 500 that provides consigner information input by a used car consignor to the dealer terminal 400 and displays settlement result information according to the sale of the used car. According to claim 1,
The financial institution server 300 provides a result of the profits settled according to the preset condition to at least one of the investor terminal 100, the platform service server 200, and the used car consigner terminal 500. Marketing service system. According to claim 2,
When the used car is sold after a certain period of time, the financial company server 300 manages the used car trading service system, so that the dividend is not settled to the used car consignor. According to claim 1,
The dealer terminal 400, if the used car is in the unsold state after a certain period of time, the used car trading service system characterized in that the transfer of ownership of the used car to the transfer agent. According to claim 1,
When the dealer terminal 400 is requested to cancel the consignment sale of the used car, the used vehicle is characterized in that it confirms the withdrawal of the penalty and the advance payment due to the cancellation of the consignment sale, and that the loan is repaid with the collected penalty and the advance payment. Marketing service system. a) the platform service server 200 performs a contract for investment product information provided by the investor terminal 100, and the investor terminal 100 deposits a predetermined amount through the financial institution server 300;
b) When the dealer terminal 400 inputs the consigner information through the used car consigner terminal 500 and the consigned sales contract of the used car, requesting the financial company server 300 to execute a loan for consigned sales of the used car ;
c) When the financial institution server 300 decides to execute the loan, the principal terminal receiving the principal and interest rights generated by the execution of the loan is provided to the investor terminal 100, and the dealer terminal 400 of the used car subject to consignment sale Confirming a receipt and setting a mortgage for the used car, and requesting a part or all of the loan to be prepaid based on the consignor information;
d) When the used car is sold and the purchase price is deposited, the dealer terminal 400 requests ownership of the used car to be transferred to the used car buyer, transfers the transfer result to the used car buyer terminal 600, and receives the purchase price. Using the step of repaying the loan; And
e) When the repayment of the loan is made, the financial institution server 300 includes a step of setting the profit generated by the loan according to a preset condition. The method of claim 6,
In step c), when the dealer terminal 400 is requested to cancel the consignment sale of the used car, it requests the used car consignor terminal 500 to collect the penalty and advance payment according to the cancellation of the consignment sale, and the penalty and advance payment When the recovery is confirmed, the used car trading service method further comprising the step of allowing the loan to be repaid with the collected penalty and advance payment. The method of claim 6,
In step d), if the used terminal is in the unsold state after a certain period of time has elapsed, the used terminal sale service method is characterized in that the ownership of the used vehicle is transferred to the seller. The method of claim 6,
In step e), if the used car is sold after a certain period of time, the financial company server 300 manages the used car trading service method so that the dividend is not settled to the used car consignor.

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