KR101970641B1 - Used car trading system reflecting guarantee insurance for checking performance - Google Patents

Abstract

The present invention relates to a used car transaction system in which a performance check guarantee insurance is reflected. It is possible to calculate a performance check cost expected in the future, and to calculate a used car price by reflecting a performance check guarantee insurance against an expected performance check cost, It is possible to provide price information and to reduce the burden of the used car performance inspection cost of the used car buyer through the performance check guarantee insurance.

Description

Performance check A used car trading system that reflects warranty insurance.

The present invention relates to a technique for providing used car tickets, and more particularly, to a used car transaction system in which performance guarantee insurance is reflected.

The performance check has recently become mandatory for used car dealers. Korean Patent Registration No. 10-1189604 (Oct. 4, 2012) discloses a trading system and method of a used commercial vehicle that analyzes the vehicle information and performance information of a vehicle whose performance has been checked and provides the availability and purchase price.

This technology can not predict the future time to buy or sell a used car because it is a technique to calculate the purchase price of a used car according to the state and performance of a vehicle whose performance check has already been completed. Therefore, the buyer of the used car or the seller could not know the purchase time or the selling point of the appropriate used car.

Even in the case of the same model / model, the performance check item (mainly a component that generates a failure) differs depending on the production year. As the mileage increases, the price decreases and the cost of performance check increases. Therefore, it is important to grasp the timing of purchasing used cars (expected time for the second-hand car market to fall sharply) and selling second-hand cars Do.

Also, if you provide a performance check guarantee insurance that guarantees the payment of the performance check fee paid by the used car buyer in the actual performance check on the expected performance check in the future, the burden of checking the used car performance cost of the used car buyer can be reduced.

Therefore, the present inventors calculate the expected performance inspection cost in the future, calculate the used car quota by reflecting the performance check guarantee insurance against the expected performance check cost, and calculate the used car purchase price at the time of buying the used car (at the time when the used car price drops sharply) The study of used car transaction technology that can grasp the selling point (the time when the performance check cost starts to rise sharply) can be grasped properly.

Korean Patent No. 10-1189604 (Oct. 4, 2012)

The present invention was invented under the above-mentioned aim, and it is possible to calculate a performance inspection cost expected in the future, and to check the performance of the used car to reflect the performance inspection guarantee insurance against the expected performance inspection cost. The purpose is to provide a trading system.

Another object of the present invention is to provide a used car transaction system that reflects a performance check guarantee insurance that can appropriately recognize the point of time when a used car is purchased (a time point when a used car suddenly drops) and a selling point of a used car .

According to an aspect of the present invention, there is provided an insurance system for a used car, the insurance system comprising: an initial market calculation unit for calculating an initial market price of a used car according to standardized used car market assessment items; According to the performance check evaluation items, a performance check cost calculating unit for calculating a used car performance check cost, a performance check cost calculated by a performance check cost calculating unit, and a performance check warranty, And a performance check guarantee insurance premium calculated by the performance check cost calculating section and a performance check guarantee insurance premium calculated by the premium calculating section in the initial vehicle used price calculated by the initial price calculation section, And a final quotation determining unit for determining the reflected used car final quotation.

According to a further aspect of the present invention, the used car transaction system reflecting the performance check guarantee insurance further includes a ticker information providing unit for providing used car final quotes reflecting the performance check guarantee insurance determined by the final tick determination unit as used car ticket information.

According to a further aspect of the present invention, the used-car transaction system reflecting the performance check guarantee insurance further includes a purchase-time determination unit for determining and providing a used-car purchase time point.

According to a further aspect of the present invention, the buying time judgment unit predicts the estimated used car initial prices from the present time to the future specific period by date through the initial price calculation unit, and judges the date in which the estimated used car initial price drops drastically as the used car buying time do.

According to a further aspect of the present invention, the used-car transaction system reflecting the performance check guarantee insurance further includes a selling-and-selling determination unit for determining and using the used-car selling point.

According to a further aspect of the present invention, the selling-and-selling determination unit estimates the expected used-car performance checking costs from present to future specific times through the performance checking cost calculating unit by date, and stores the date when the expected used- It is judged to be the selling point.

According to a further aspect of the present invention, the used car transaction system reflecting the performance check guarantee insurance further includes a used car trading unit for registering used car registration with the used car final price reflected in the performance check guarantee insurance to carry out used car buying and selling.

According to a further aspect of the present invention, there is further provided an insurance processing unit for processing a performance check guarantee insurance guaranteeing a performance check on a used car in which the used car trading system reflecting the performance check guarantee insurance is traded by the used car trading unit.

According to a further aspect of the present invention, the insurance processing section performs the performance point check as a performance check guarantor, and as an insured for a used-car buyer, an electronic and standardized performance check guarantee policy certificate for a used- .

According to a further aspect of the present invention, the insurance processing section performs the performance point check as a performance check guarantor, and as an insured for a used-car buyer, an electronic and standardized performance check guarantee policy certificate for a used- To the used-car buyer terminal, the performance point inspection terminal and the insurance company server to notify the performance check guarantee insurance contract.

The present invention can provide more reliable used car quotation information by calculating expected performance check cost in the future and calculating the used car price by reflecting the performance check guarantee insurance against the expected performance check cost.

In addition, the present invention can reduce the burden of checking used-car performance of a used-car buyer through a performance check guarantee insurance that guarantees payment of a performance check fee paid by a used-car buyer in actual performance check on a performance inspection expected in the future .

In addition, the present invention can appropriately grasp the time of buying a used car (a time point when a used car suddenly drops) and a selling point of a used car (when a cost of performance checking starts to rise sharply) There is an effect that the viewpoint can be provided.

1 is a block diagram showing a configuration of an embodiment of a used car trading system in which a performance check guarantee insurance according to the present invention is reflected.
FIG. 2 is a view illustrating an initial time-share curve of a used car according to a time period.
3 is a graph illustrating a transition curve of a used-car performance inspection cost according to a time period.
FIG. 4 is a flowchart illustrating an example of a ticker calculation operation of a used car trading system in which a performance check guarantee insurance according to the present invention is reflected.
5 is a flowchart illustrating an example of a used-car buying time or used-car selling time providing operation of the used car trading system in which the performance check guarantee insurance according to the present invention is reflected.
FIG. 6 is a flowchart showing an example of a performance check guarantee insurance contract operation of a used car transaction system in which a performance check guarantee insurance according to the present invention is reflected.
FIG. 7 is a flowchart showing an example of a claim charging and paying procedure for a performance check guarantee insurance of a used car trading system in which a performance check guarantee insurance according to the present invention is reflected.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout. While specific embodiments have been illustrated and described in the accompanying drawings, it is not intended that the various embodiments of the invention be limited to any particular form.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, .

On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

1 is a block diagram showing a configuration of an embodiment of a used car trading system in which a performance check guarantee insurance according to the present invention is reflected. The used car transaction system 100, in which the performance check guarantee insurance according to the present invention is reflected, sells a used car registered in the used car dealer to the used car buyer through a network connection with the used car seller terminals 200 and the used car buyer terminals 300 And may be implemented in the form of software running on a server such as a web server or a wap server.

1, the used car transaction system 100 in which the performance check guarantee insurance according to this embodiment is reflected includes an initial price calculation unit 110, a performance check cost calculation unit 120, a premium calculation unit 130 And a final price determination unit 140. [

The initial price calculation unit 110 calculates the used car initial price according to the standardized used car price evaluation items. For example, the standardized used car quotation evaluation items may be a model, a model, a model, a color, an option, a mileage, an accident history, a vehicle condition, and the like.

On the other hand, the user input values for the standardized used car city evaluation items may be inputted through the used car seller terminal 200 or the used car buyer terminal 300 and registered in the DB as used car information.

The initial price calculation unit 110 may calculate the initial price for the used car by analyzing the user input values for the standardized used car car evaluation items included in the used car information registered in the DB.

At this time, the initial price calculation unit 110 can calculate the initial price for the used car through the sequential price adjustment for the car model, model, year, color, option, mileage, accident history, and vehicle condition.

The calculation of the used car price based on the used car information including the car type, the model, the model year, the color, the option, the mileage, the accident history, and the vehicle condition is a common technique already known before this application. Therefore, The description is omitted.

The performance check cost calculating unit 120 calculates a used-car performance check cost according to the standardized used-car performance check evaluation items. For example, the standardized used vehicle performance inspection evaluation items may be a component group such as a brake, an engine, a dashboard, or the like, or individual components constituting such a component group.

For example, the performance check cost calculation unit 120 may be implemented to calculate an expected performance check cost of a registered used used car using the following performance check cost calculation formula.

I represents the used vehicle performance check items such as brake, engine, and instrument panel, j represents the check attributes such as leakage, crack, and deformation, and P _ij represents the check result of the jth check attribute of the i-th check item Indicates an abnormal probability.

P _k (a | P _ij ) represents the k component replacement probability when the check result for the jth check attribute of the i-th check item is abnormal, and C _k represents the k component replacement cost .

The premium calculation unit 130 calculates the performance check guarantee premium in consideration of the performance check cost calculated by the performance check cost calculation unit 120 and the performance check guarantee period. PERFORMANCE CHECKS Guarantee coverage is an insurance that guarantees the payment of the performance check costs paid by a used car buyer for actual performance checks on expected performance checks in the future.

In this case, the performance check guarantee insurance may be electronic and standardized data in which the performance point check is performed as a performance check guarantor, the used car buyer is the insured person, and the used car purchased by the used car buyer is subjected to the performance check.

Meanwhile, performance guarantee insurance can be contracted by the used car transaction system on behalf of the performance checker and the used car buyer when the used car is sold through the agreement between the used car transaction system operator and the insurance company. This will be described later in detail.

For example, the premium calculation unit 130 may be implemented to calculate an expected performance guarantee guarantee premium of a registered used used car by using the following performance check guarantee premium calculation formula.

I represents the used vehicle performance check items such as brake, engine, and instrument panel, j represents the check attributes such as leakage, crack, and deformation, and P _ij represents the check result of the jth check attribute of the i-th check item Indicates an abnormal probability.

P _k (a | P _ij ) represents the k component replacement probability when the check result for the jth check attribute of the i-th check item is abnormal, and C _k represents the k component replacement cost , P _x represents monthly insurance subscription commitment (%), and M represents the performance check guarantee period (months).

The final price determination unit 140 determines whether or not the used-car performance check cost calculated by the performance check cost calculation unit 120 in the used-car initial price calculated by the initial-price calculation unit 110, The performance check insurance premium is subtracted to determine the final price of the used car that is covered by the performance check guarantee insurance.

As a result, the present invention can calculate the used car price reflecting the anticipated performance check cost in the performance check of the future, so that it is possible to calculate the more reliable used car quota excluding the cost required for the performance check of the used car .

In addition, the present invention can calculate the used car quotation by reflecting the performance check guarantee insurance for the expected performance inspection cost in the future, thereby making it possible to calculate a more reliable used car quotation.

According to a further aspect of the present invention, the used car transaction system 100 in which the performance check guarantee insurance is reflected further includes the ticker information providing unit 150. The ticker information providing unit 150 provides the used car final price reflecting the performance check guarantee insurance determined by the final tick determination unit 140 as used car ticket information.

For example, the ticker information providing unit 150 may provide the used car final price to the used-car dealer terminal 200 where the performance check guarantee insurance is reflected as the used car ticket information.

Alternatively, the ticker information providing unit 150 may provide the used car final price to the used-car buyer terminal 300, in which the performance check guarantee insurance is reflected, as used-car quotation information.

At this time, the ticker information providing unit 150 averages the used-car final quotes reflecting the performance guarantee guarantee insurance for each vehicle type and model of each used car determined by the final-time decision unit 140, A used car quotation range having a certain variation in the average value of the used car final rates reflected in the guarantee guarantee insurance may be provided for each model and model.

According to the present invention, it is possible to provide the used car quotation calculated by reflecting the performance check cost expected in the future, and to provide more reliable used car quotation information excluding the cost required for the performance check of the used car have.

In addition, the present invention can provide a used car quotation calculated by reflecting a performance check guarantee insurance for a performance check cost expected in the future, and it is possible to provide more reliable used car quotation information.

According to a further aspect of the present invention, the used car transaction system 100 in which the performance check guarantee insurance is reflected may further include a purchase time determination unit 160. The buying time determining unit 160 determines and provides the used-car buying time.

For example, the buying time judging unit 160 predicts the estimated used car initial prices from the present to the future specific period through the initial price calculation unit 110 on a date-by-date basis, and the date when the estimated used car initial price drops sharply to the used car buying point . ≪ / RTI >

The initial price calculation unit 110 evaluates used car price evaluation items such as a model, a model, a model, a color, an option, a mileage, an accident history, a vehicle condition, As shown in FIG. 2, as shown in FIG. 2, the initial price of the used car is maintained at a similar price for a certain period of time, then tends to remain at substantially the same price after a large drop.

Accordingly, the time point when the initial price of the used car greatly decreases is the optimum time for the used car buyers to purchase the used car at a low price, and the time point at which the used car initial price has greatly dropped through the purchase time judging unit 160, If it is judged as a time point, it can help purchase a used car of a used car buyer.

According to a further aspect of the present invention, the used car transaction system 100 in which the performance check guarantee insurance is reflected may further include the selling point determining unit 170. The selling time determination unit 170 determines and provides the used-car selling time.

For example, the selling time judging unit 170 predicts estimated used-car performance checking costs from present to a specific future time through the performance checking cost calculating unit 120 on a date-by-date basis, It can be determined that the used car is sold.

When estimating used-car performance check items such as brakes, engines, instrument panels and the like through the performance check cost calculating unit 120 and predicting the expected used vehicle performance check costs from present to a specific future period by date, as shown in FIG. 3 Similarly, the cost of used car performance test is maintained at about the same price for a certain period of time, but it tends to increase substantially at a certain moment and then to remain at about the same level again.

Therefore, the point at which the used car performance check cost begins to rise sharply is the best time for the used car sellers to sell the used car at a high price, If it is determined that the time when the vehicle starts to rise is judged as a suitable used car selling point, it can help the used car seller to sell the used car.

According to a further aspect of the present invention, the used car transaction system 100 in which the performance check guarantee insurance is reflected may further include the used car trading unit 180. The used car trading unit 180 registers and registers used car with the used car final price reflected in the performance check guarantee insurance, and carries out the used car sale.

At this time, the used car trading unit 180 may register the used car with the used car final price reflecting the performance check guarantee insurance to sell the used car in the general transaction mode, and sell the used car to the used car buyer in the order of purchase.

Alternatively, the used car trading department 180 may register a used car auction at the beginning of the auction of the used car final price reflected in the performance check guarantee insurance to sell the used car by the auction method, and to sell the used car to the used car buyer auctioned It is possible.

According to a further aspect of the present invention, the used car transaction system 100 in which the performance check guarantee insurance is reflected may further include the insurance processing unit 190. The insurance processing unit 190 processes the performance check guarantee insurance guaranteeing the performance check for the used car that is traded by the used car trading unit 180. [

Performance check Guarantee insurance is an insurance that guarantees the payment of the performance check fee paid by the buyer for the used car when checking the actual performance against the expected performance check in the future. The insurance processing unit (190) through the contract between the used car transaction system operator and the insurance company Performance check warranty insurance is handled on behalf of performance checkers and used car buyers when buying or selling used cars.

For example, the insurance processing unit 190 implements the performance point check as a performance check guarantor, issues an electronic and standardized performance check guarantee insurance certificate for a used-car buyer as an insured person, .

At this time, when the insurance processing unit 190 issues an electronic and standardized performance check guarantee insurance certificate, the performance check insurer information, the insured information, the insurance contract date, the insurance expiry date, the monthly insurance payment commitment rate (% The total number of times of delivery, the performance check warranty period, etc., in an electronic and standardized performance check guarantee insurance certificate.

In addition, the insurance processing unit 190 sets the performance point check as a performance check guarantor, and sets the electronic and standardized performance check guarantee insurance certificate, which makes the used car buyer as the insured person and the used car purchased by the buyer of the used car as the performance check target, To the performance point inspection terminal and the insurance company server, and notifies the performance check guarantee insurance contract.

On the other hand, when the insurance processing unit 190 issues an electronic and standardized performance check guarantee insurance certificate, the performance check inspecting terminal and the used car buyer terminal are requested to check the performance check insurer and the insured person, respectively, Lt; / RTI > Since the identity verification technique has been variously known before this application, a detailed description thereof will be omitted.

By implementing this, the present invention can provide a possibility of paying a used car buyer in the future through a performance check guarantee insurance, which guarantees the payment of a performance check fee paid by a used car buyer in actual performance check on an expected performance check in the future Which can reduce the burden on the cost of using the used car.

According to a further aspect of the present invention, the used car transaction system 100 in which the performance check guarantee insurance is reflected may further include an information input unit 192 and a DB 194. The information input unit 192 may include a used vehicle information input unit 192a and a performance check information input unit 192b. The DB 194 may include a used vehicle information DB 194a, a performance check information DB 194b, . ≪ / RTI >

The used-car information input unit 192a provides a user interface for receiving a user input value for the standardized used-car tax assessment items, and receives a user input value for standardized used-car tax assessment items. At this time, the user input values for the standardized used car city evaluation items can be inputted by the used car seller terminal or the system operator terminal (not shown).

For example, the standardized used car quotation evaluation items may be vehicle type, model, year, color, option, mileage, accident history, vehicle status, and the like, and generate used vehicle information including user input values for standardized used- can do.

The performance check information input unit 192b provides a user interface for receiving evaluation values for the standardized used-car performance check items, and receives evaluation values for the standardized used-car performance check items. At this time, the evaluation values for the standardized used-car performance inspection evaluation items may be input by a used-car performance inspection evaluator terminal (not shown) or the like.

The used-car information DB 194a stores used-car information including user input values for the standardized used-car tax assessment items input by the used-car information input unit 192a. The used vehicle information including the user input values for the standardized used vehicle ticket evaluation items stored in the used vehicle information DB 194a may be referred to when calculating the initial vehicle used market value by the initial price calculation unit 110. [

The performance check information DB 194b stores performance check information including evaluation values for the standardized used-car performance check items input by the performance check information input unit 192b. The performance check information including the evaluation values for the standardized used-car performance check items stored in the performance check information DB 194b may be referred to when calculating the used-car performance check cost by the performance check cost calculation unit 120. [

According to a further aspect of the present invention, when the used car trading unit 180 registers the used car with the used car final price reflecting the performance check guarantee insurance, the performance checking information for the registered used car stored in the performance checking information DB 194b To register the items of the performance check items.

In this embodiment, since the evaluation result of the performance inspection evaluation items for the used car registered for sale through the used car trading unit 180 is not good, it is recommended to select the performance inspection evaluation items to be noted, So that the performance check items can be known.

The operation of calculating the quotation of the used car trading system, which is described above with reference to the performance check guarantee insurance according to the present invention, will be described with reference to FIG. FIG. 4 is a flowchart illustrating an example of a ticker calculation operation of a used car trading system in which a performance check guarantee insurance according to the present invention is reflected.

First, in the step 410, the used car transaction system reflecting the performance check guarantee insurance calculates the used car initial price according to the standardized used car ticket evaluation items. Since we have already explained the calculation of the used car initial price according to the standardized used car quotation evaluation items, a duplicate description thereof will be omitted.

Then, in step 420, the used car transaction system reflecting the performance check guarantee insurance calculates the used car performance check cost according to the standardized used car performance check evaluation items. The description of the standardized used car performance check items and the calculation of the cost of the used car performance check has been described above, so that a duplicate description thereof will be omitted.

Then, in step 430, the used car transaction system reflecting the performance check guarantee insurance calculates the performance check guarantee premium in consideration of the performance check cost and the performance check guarantee period calculated in step 420. Performance check Since we have explained the calculation of guarantee premium, we do not omit redundant explanation.

Then, in the step 440, the used car transaction system reflecting the performance check guarantee insurance subtracts the used-car performance check cost calculated in the step 420 from the used-car performance check cost calculated in the step 410 and the performance check guarantee premium calculated in the step 430 We will determine the final price of the used car that is covered by performance check guarantee insurance.

Next, in the step 450, the used car transaction system reflecting the performance check guarantee insurance provides the used car final price reflecting the performance check guarantee insurance determined by the step 440 as used car ticket information.

At this time, the used car transaction system reflecting the performance check guarantee insurance averages the used car final quotes reflecting the performance check guarantee insurance for each used car model and model to obtain the distribution of the vehicle type and model, To provide a used vehicle quotation range having a specific deviation from the average value of the vehicle model and model.

According to this embodiment, the present invention can provide more reliable used car quotation information by calculating expected performance inspection cost in the future and calculating the used car price by reflecting the performance check guarantee insurance against the expected performance check cost .

Meanwhile, the operation of providing a used-car buying time or a used-car selling time in the used car trading system in which the performance check guarantee insurance according to the present invention is reflected will be described with reference to FIG. 5 is a flowchart illustrating an example of a used-car buying time or used-car selling time providing operation of the used car trading system in which the performance check guarantee insurance according to the present invention is reflected.

First, in the step 510, the used car transaction system reflecting the performance check guarantee insurance calculates the used car initial price according to the standardized used car ticket evaluation items. Since we have already explained the calculation of the used car initial price according to the standardized used car quotation evaluation items, a duplicate description thereof will be omitted.

Then, in step 520, the used car transaction system reflecting the performance check guarantee insurance calculates the used car performance check cost according to the standardized used car performance check evaluation items. The description of the standardized used car performance check items and the calculation of the cost of the used car performance check has been described above, so that a duplicate description thereof will be omitted.

Next, in the step 530, the used car transaction system reflecting the performance check guarantee insurance calculates the performance check guarantee premium in consideration of the performance check cost calculated by the step 520 and the performance check guarantee period. Performance check Since we have explained the calculation of guarantee premium, we do not omit redundant explanation.

Then, in the step 540, the used car transaction system reflecting the performance check guarantee insurance judges and provides the used-car buying time or the used-car selling time. At this time, the used car transaction system reflecting the performance check guarantee insurance estimates the expected used car initial prices from the present to the future specific period through the date 510, and judges the date when the estimated used car initial price drops drastically as the used car buying time Can be implemented.

Meanwhile, the used car transaction system reflecting the performance check guarantee insurance estimates the expected used car performance inspection expenses from present to the future specific period through the date 520, and the date when the expected used car performance inspection cost rises sharply to the selling point of the used car . ≪ / RTI >

As a result of this implementation, the present invention can appropriately grasp the point of time of buying a used car (a point where a used car suddenly drops) and a selling point of a used car (a point at which a performance checking cost begins to rise sharply) Time or selling point.

Meanwhile, the operation of the performance check guarantee insurance contract of the used car transaction system in which the performance check guarantee insurance according to the present invention is reflected will be described with reference to FIG. FIG. 6 is a flowchart showing an example of a performance check guarantee insurance contract operation of a used car transaction system in which a performance check guarantee insurance according to the present invention is reflected.

First, in the step 610, the used car transaction system reflecting the performance check guarantee insurance calculates the used car initial price according to the standardized used car ticket evaluation items. Since we have already explained the calculation of the used car initial price according to the standardized used car quotation evaluation items, a duplicate description thereof will be omitted.

Then, in the step 620, the used car transaction system reflecting the performance check guarantee insurance calculates the used car performance check cost according to the standardized used car performance check evaluation items. The description of the standardized used car performance check items and the calculation of the cost of the used car performance check has been described above, so that a duplicate description thereof will be omitted.

Then, in the step 630, the used car transaction system reflecting the performance check guarantee insurance calculates the performance check guarantee premium in consideration of the performance check cost calculated by the step 620 and the performance check guarantee period. Performance check Since we have explained the calculation of guarantee premium, we do not omit redundant explanation.

Then, the used car transaction system reflecting the performance check guarantee insurance at step 640 subtracts the used car performance check cost calculated at step 620 and the performance check guarantee premium calculated at step 630 from the used car initial price calculated at step 610 We will determine the final price of the used car that is covered by performance check guarantee insurance.

Next, in the step 650, the used car transaction system reflecting the performance check guarantee insurance provides the used car final price reflecting the performance check guarantee insurance determined by the step 640 as used car ticket information.

At this time, the used car transaction system reflecting the performance check guarantee insurance averages the used car final quotes reflecting the performance check guarantee insurance for each used car model and model to obtain the distribution of the vehicle type and model, To provide a used vehicle quotation range having a specific deviation from the average value of the vehicle model and model.

Next, in the step 660, the used car transaction system reflecting the performance check guarantee insurance is registered in the used car final price reflecting the performance check guarantee insurance, and carries out the used car sale. Since the description of the used car transaction has been explained, a duplicate description thereof is omitted.

Then, in step 670, the used car transaction system reflecting the performance check guarantee insurance processes the performance check guarantee insurance that guarantees the performance check on the used car that is traded by step 660. Performance check Since we have explained the guarantee insurance process, duplicate explanation is omitted here.

According to this embodiment, the present invention can provide a reliable used car quotation information by calculating expected performance inspection cost in the future and calculating the used car quotation by reflecting the performance check guarantee insurance against the expected performance check cost.

FIG. 7 is a flowchart illustrating a method of claiming and paying a performance check guarantee insurance for a used car transaction system according to the present invention. FIG. 7 is a flowchart showing an example of a claim charging and paying procedure for a performance check guarantee insurance of a used car trading system in which a performance check guarantee insurance according to the present invention is reflected.

First, performance check inspections were performed as performance inspectors, performance insured assurance insurance was made for the used car purchasers as insured, used cars purchased by second-hand buyers as performance inspections, and performance checks for used cars purchased by second- It has occurred.

In step 710, the used-car buyer claims the performance check guarantee insurance for the performance point check.

Then, in step 720, the performance checker requests the insurer to pay the insurance for the contracted performance check guarantee insurance.

Then, in step 730, the insurance company confirms the contract for the performance check guarantee insurance requested for the insurance payment, and pays the insurance money to the used-car buyer.

The present invention can reduce the burden of checking used-car performance of the used-car buyer through the performance check guarantee insurance that guarantees the payment of the performance check fee paid by the used-car buyer in the actual performance check on the expected performance check in the future .

At least a portion of a device (e.g., modules or functions thereof) or a method (e.g., operations) according to various embodiments of the present invention may be stored in a computer-readable storage medium Storage Media).

An instruction, when executed by one or more processors, may perform one or more functions corresponding to the instruction. A computer-readable storage medium may be implemented (e.g., implemented) by at least a portion of a programming module, for example, by a processor. At least some of the programming modules may include, for example, modules, programs, routines, sets of instructions, or processes for performing one or more functions.

It is to be understood that the various embodiments disclosed in the present specification and drawings are only illustrative of specific examples for the purpose of understanding and are not intended to limit the scope of various embodiments of the present invention.

Accordingly, the scope of the various embodiments of the present invention should not be limited by the above-described embodiments, and all changes or modifications that come about based on the technical ideas of various embodiments of the present invention are included in the scope of various embodiments of the present invention. Should be interpreted as being.

INDUSTRIAL APPLICABILITY The present invention is industrially applicable in the field of used vehicle quotation providing technology and its application technology.

100: Used car trading system
110: initial price calculation unit
120: Performance check cost calculation unit
130: Premium calculation part
140:
150: Ticker information provider
160:
170:
180: Used car trading department
190: Insurance Process Department
192: Information input unit
192a: Used vehicle information input unit
192b: Performance check information input unit
194: DB
194a: Used car information DB
194b: Performance check information DB
200: Used car seller terminal
300: Used car buyer terminal

Claims (10)

A performance check information input unit for receiving evaluation values for standardized used vehicle performance check items;
A performance check information DB for storing performance check information including evaluation values for standardized used vehicle performance check items input by the performance check information input unit;
An initial price calculation unit for calculating an initial price of the used car according to the standardized used car price evaluation items;
A performance check cost calculation unit for calculating a used car performance check cost by referring to performance check information including evaluation values for standardized used-car performance check items stored in the performance check information DB;
A premium calculation unit for calculating a performance check guarantee premium considering the performance check cost and the performance check guarantee period calculated by the performance check cost calculation unit;
The used car performance inspection cost calculated by the performance check cost calculation unit in the used car initial price calculated by the initial price calculation unit and the performance check guarantee premium calculated by the premium calculation unit are subtracted and the used car final price A final quotation determining unit for determining the final quotation;
Performance check cost and performance check Perform the used car trading by registering the used car with the end price of the used car with guarantee insurance and refer to the performance check information including the evaluation value for the standardized used car performance check items stored in the performance check information DB A used car trading unit for selecting a performance check item to be noticed because the evaluation result is not good and registering the selected items of the performance check item so that the used car buyer can know the items of the performance check item;
Including,
Premium calculation part of insurance premium calculation Assurance calculation formula

To calculate the expected performance guarantee guarantee premium of the used car registered for sale,
P _ij represents an abnormal probability of the check result on the jth check attribute of the i-th check evaluation item, k represents an abnormal probability of the check result of the jth check attribute of the i-th check evaluation item, P _k (a | P _ij ) represents the k component replacement probability when the check result for the jth check attribute of the i-th check evaluation item is abnormal, C _k represents the k component replacement cost, P _x (%) Of monthly insurance payment commitment, and M is performance insurance guarantee insurance which shows performance guarantee guarantee month. The method according to claim 1,
Performance check The used car transaction system with guarantee insurance is:
A ticker information providing unit for providing the used car final quotes reflecting the performance check guarantee insurance determined by the final tick determination unit as used car ticketing information;
Included more performance check Used car trading system with warranty insurance. The method according to claim 1,
Performance check The used car transaction system with guarantee insurance is:
A buying time determining unit for determining and providing a used car buying time;
Included more performance check Used car trading system with warranty insurance. The method of claim 3,
The buying time judgment unit:
The used car transaction system reflects the performance check guarantee insurance, which predicts the estimated used car initial prices from the present to the future to the specific period of the future through the initial price calculation unit, and judges the date when the estimated used car initial price drops sharply as the used car purchase point. The method according to claim 1,
Performance check The used car transaction system with guarantee insurance is:
A selling point determining unit for determining and providing a used car selling point;
Included more performance check Used car trading system with warranty insurance. 6. The method of claim 5,
The selling point determining section:
The performance check cost estimating unit estimates the expected used car performance check costs from present to future and estimates the date when the expected used car performance check cost rises sharply as the selling point of the used car. system. delete The method according to claim 1,
Performance check The used car transaction system with guarantee insurance is:
An insurance processing unit that handles the performance check guarantee insurance that guarantees a performance check on the used car that is traded by the used car trading unit;
Included more performance check Used car trading system with warranty insurance. 9. The method of claim 8,
Insurance processing department:
Performance check that checks the performance point as a performance check guarantor and issues an electronic and standardized performance check guarantee insurance certificate that regards the used car buyer as the insured and the used car purchased by the buyer of the used car as the performance check object. . 10. The method of claim 9,
Insurance processing department:
The performance point inspections are performed as performance inspectors, and the electronic and standardized performance check guarantee insurance certificates which regard the used car purchasers as insured and the used cars purchased by the buyers of the used cars as the performance inspections are referred to as used car purchaser terminals, Performance check by sending to the server Performance check to notify warranty insurance contract Used car transaction system with warranty insurance reflected.

Images