KR20180021047A - Method for peer to peer no examination secured loan finalcial technology service and apparatus thereof - Google Patents

Abstract

If a P2P no examination secured loan financial technology service method and a device thereof are applied based on the present invention, no examination secured loan application from a loan applicant is enabled, wherein the no examination secured loan application has an asset except cash as a security and the asset can be a no examination secured loan, and investment is attracted by allowing investors to read opened investment products based on corresponding no examination secured loan application information after paying a platform usage fee. When a request for cancelling secured loan progressing is made while the investment is completely attracted or being attracted, a deposited investment and a deposited platform usage fee are refunded to accounts of investors to allow a loan applicant to obtain a rapid loan and reflected benefits are provided to the investors, thereby enhancing motivation with respect to early participation of investment attraction.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a P2P non-

The present invention relates to a peer-to-peer (P2P) mortgage financing technology service method and apparatus, and more particularly, to a non-arbitragement mortgage loan application in which a non-guaranteed mortgage is set as a non- The investor is allowed to browse the investment goods opened based on the unspecified mortgage application information, and if there is a request for cancellation of the secured loan proceeding while the investment attraction is completed or proceeded, P2P, which can reinforce the motivation for early participation in the investment attraction by making the quick loan to the applicant by refunding the investment and platform fee to the account of the investor, Unscrupulous mortgage financing technology service method and ≪ / RTI >

Peer-to-Peer (P2P) loans are a new form of borrowing, in which a large number of investors (creditors), rather than banks or investors, lend money directly to individuals or corporations.

P2P loans can be saved online by all procedures, which can reduce recruitment costs and labor costs. Investors can earn higher profits than bank interest rates. Investment targets are easier than banks and borrowers with lower interest rates than gold The market is growing rapidly due to various advantages such as the possibility of being able to do so.

With the global financial crisis and Internet-based technological innovation, the P2P loan market is showing rapid growth. In line with this, start-up companies through various business models are attracting lenders and investors.

As such, P2P loans are more convenient than traditional financial transaction methods, offer lower interest rates to loan applicants, and provide relatively high returns to investors in low-interest environments. .

Generally, stocks listed on a securities company or other securities exchanges and tradable in the market are referred to as listed stocks. These listed stocks can be traded on the exchange only if the company satisfies certain conditions.

Stocks include listed stocks, as well as unlisted stocks. OTC stocks are stocks that are not listed on the stock exchange.

As the OTC market was originally a natural market, there was no regular organization and the trading method was not formalized. However, in many developed countries, the OTC market is being developed into a specific organizational market similar to the exchange market by institutionalizing the OTC market.

Listed stocks are invested in a variety of ways. For example, you can invest directly by looking at company information, buying and selling stocks, and how to join a fund operated by famous securities firms. In addition, brokerage firms make profits by using funds collected through funds.

However, unlisted stocks have the inconvenience of finding individual company information in order to buy and sell individual stocks, and there has been an inconvenience in dealing individually with stock owner owners for transactions.

It is difficult for investors to trust stock investors because they can not confirm the information or transaction performance of investors in order to entrust them to stock investors, which makes it difficult for stock investors to secure the investment amount.

Also, it is considered very risky to lend out the unlisted stocks as collateral. Because unlisted stocks are often unreliable, there are also constraints on liquidity.

Therefore, if the value of the collateral falls below the standard value after the collateralization of unlisted stocks as a collateral, the investor should be protected by cashing the collateral.

Lenders will stick to the conservative method of valuing values very low because of the characteristics associated with these unlisted stocks. In the end, the actual amount of the loan is very small when the loan applicant needs to borrow it as collateral.

Therefore, in the case of P2P mortgage loans, if non-cash assets such as unlisted stocks are collateralized, it is reasonable to calculate the fair value, and if the collateralization of the collateral is necessary, A new scheme is required.

In addition, the procedure of the loan examination in the P2P mortgage loan process is complicated, and it is necessary to provide a method to promptly apply the loan to the applicant.

In addition, in the process of investing in P2P mortgage, if the application of the mortgage loan is canceled due to the remorse, the investor who has deposited the investment in relation to the mortgage loan may lose the opportunity to miss another investment opportunity It is necessary to take appropriate measures.

The problem to be solved by the present invention is to provide an unsecured mortgage loan application in which the non-cash mortgage loan is set as a collateral for the unsecured mortgage loan from the applicant of the loan, together with the investment product opened based on the corresponding non- If investors are allowed to browse for investment, and investment is requested to be canceled during the process of attracting or financing the loan, the invested funds and platform fee will be refunded to the investor's account. And provide investors with a return benefit from the cancellation of the mortgage lending process, thereby enhancing the motivation for early participation in attracting the investment.

The problems to be solved by the present invention are not limited to the above-mentioned problems, and other problems not mentioned can be clearly understood by those skilled in the art from the following description will be.

In the P2P unsecured secured lending financial technology service method according to an aspect of the present invention, the financial technical service device can receive unscrubbed secured lending application information including non-cash asset information and loan condition information to be provided as collateral from the first information terminal have. The financial technical service device can open an investment product based on the unclassified mortgage application information when the platform usage fee is paid in accordance with the unspecified mortgage application information. The financial technical service apparatus can receive the investment application information on the investment product opened from one or more second information terminals and perform the investment attraction process so as to deposit the investment money. If there is a request to cancel the progress of the mortgage loan from the first information terminal, the financial technical service device may process the deposited investment funds and the platform fee to the account of the investor designated in the investment application information.

The financial technical service apparatus according to another aspect of the present invention may include a data storage unit and a processor for a P2P caseless loan service. The data storage unit may store unsecured secured loan application information, investment product information, and investment application information including non-cash asset information and loan condition information to be provided as collateral received from the first information terminal. The processor receives unscrubbed mortgage application information from the first information terminal, and when the platform usage fee is paid in accordance with the unscrubbed mortgage application information, it opens an investment product based on the unguaranteed mortgage application information, It is possible to receive the investment application information about the investment product opened from the company and to carry out the investment attraction process so that the deposit of the investment can be made. In addition, if there is a cancellation request of the mortgage loan proceeding from the first information terminal, the processor can process the deposited investment funds and the platform fee to the account of the investor designated in the investment application information.

According to the present invention, after the platform fee is settled together with the unsecured mortgage loan application in which the non-cash mortgage loan is set as the non-guaranteed mortgage loanable loan from the applicant, the investment goods opened based on the unguaranteed mortgage application information are read by the investors The investment will be made possible. In addition, if there is a request for cancellation of the mortgage loan proceeding when the investment attraction is completed or proceeded, the deposited investment and platform fee are refunded to the investor's account.

In addition, if the investor is dismissed due to the remorse of the applicant, it is possible to refund the platform fee to the investor and to provide the investor with the benefit of the cancellation of the loan loan cancellation, thereby reducing the complaint that the investor has about the platform have.

In addition, the investor can get the refund of the platform fee in case the investor is early to participate in the investment, and the investor deposits the investment even if the loan application is abandoned due to remorse before the investment attraction is started. . As a result, it is possible to provide return profits for investors who have invested early, so that the motivation for early participation in attracting the investment is strengthened and the investment can be completed early.

In the case of loan applicants, when the platform fee is paid together with the mortgage loan application in which non-cash mortgage loans are set as collateral, the investment products are opened based on the unclassified mortgage application information without a separate loan review process. Investors are able to browse to make it possible to attract, so that they can quickly obtain loans.

For P2P mortgage loans, we conduct demand forecasting surveys on collateral that are not officially priced, such as unlisted stocks, and apply for P2P unscheduled mortgage loans based on the data collected from the demand forecasting survey so that the loans can be made faster .

According to the present invention, when a non-cash asset, such as unlisted stock, is not collateralized in a P2P secured loan, it can be calculated as a reasonable value.

According to the present invention, by properly linking stock-secured loans, P2P (peer-to-peer) loans and crowdfunding through Internet-based technologies, a loan applicant can borrow his or her own stock as collateral , Investors who have invested money can be provided with the stability and convenience of transactions and relatively high returns.

According to the present invention, it becomes possible to provide liquidity through precise value analysis of an off-market stock that has not been easily recognized as a value to be collateralized.

According to the present invention, unlisted out-of-stock securities can be secured as individual securities to secure stability for investors.

According to the present invention, it is possible to obtain higher securitization compared to existing financial institutions by receiving an appropriate reference price of collateral by the investment advisory group specialized in unlisted off-the-shelf stocks.

According to the present invention, since the interest rate of a loan is determined by a formula that is formulated, it is applied reasonably, and ultimately it can contribute to the activation of the off-market stock market.

According to the present invention, it is possible to secure investment by securing collateral of unlisted out-of-stocks by avoiding the framework of credit used in the conventional lending system.

According to the present invention, it is possible to prevent personal credit management from being reflected in the credit score.

According to the present invention, unlike the case of P2P loan, unlisted out-of-stock stocks and investment are combined with PINTECH to connect the investor (loan applicant) and the individual borrower (investor) .

FIG. 1 is a view for explaining the concept of P2P unsecured loan finance technology service according to an embodiment of the present invention. Referring to FIG.
FIG. 2 is a view for explaining a P2P non-guaranteed mortgage financing technology service system according to an embodiment of the present invention.
FIG. 3 is a diagram for explaining a financial technology service apparatus in a P2P non-guaranteed mortgage financial technology service system according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a P2P unsecured secured lending financial technology service method according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating an example of a member information input screen for inputting information about an unguaranteed stock loan application in the P2P unsecured secured lending financial technology service method according to an exemplary embodiment of the present invention.
FIG. 6 is a diagram illustrating an example of a loan item selection screen for inputting non-delinquent stock loan application information in the P2P unsecured secured loan financial technology service method according to an exemplary embodiment of the present invention.
FIG. 7 is a diagram illustrating an example of a loan condition input screen for inputting non-delinquent stock lending application information in the P2P unsecured secured loan financial technology service method according to an exemplary embodiment of the present invention.
FIG. 8 is a flowchart for explaining a demand forecasting investigation process in a P2P non-guaranteed mortgage financing technology service method according to an embodiment of the present invention.
FIG. 9 is a view for explaining a process of refunding investment funds and a platform fee in the P2P non-arbitraged secured lending financial service according to an embodiment of the present invention.

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It should be understood, however, that the invention is not intended to be limited to the particular embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a view for explaining the concept of P2P unsecured loan finance technology service according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 1, the P2P uninsured loan finance technology service according to an exemplary embodiment of the present invention may be provided by a P2P financial-based technology service company 1.

A P2P-based financial technology service company (1) has a business alliance with an investment adviser (2) who performs valuation of non-cash asset collateral and a partner financial institution (3) that performs interest and principal repayment procedures, (4) and the investor (5) who wants to invest the cash assets in crowdfunding method by using P2P loan method to provide P2P unsecured mortgage finance technology service do. Here, the investment adviser (2), affiliated financial institution (3), loan applicant (4), and investor (5)

At this time, non-cash assets provided as collateral are not limited to personal property or real estate where authorized or official price information exists, and may be, for example, a personal property or real estate without official price information such as unlisted stocks. In the case of collateral that does not have such official price information, the P2P-based financial technology service company (1) conducts a demand forecast survey through the investor (5) and evaluates the value of the collateral , So that it can be judged or decided whether or not the loan can be made. Accordingly, the loan applicant 4 may modify the unscheduled secured loan application information so as to correspond to the demand forecast result.

P2P-based financial technology service company (1) P2P unsecured mortgage lending financial technology service is a non-cash asset (eg, stocks that can be exchanged for stocks) It can be done by taking the stock of the applicant as an alternative and keeping it in a pre-set account, and lending the loan to the applicant with the stock held as collateral.

In addition, the P2P uninterrupted mortgage finance technology service of the P2P-based financial technology service company (1) stores the non-cash assets such as the stock withdrawal certificate when the platform fee is paid without a separate loan review process, This can be done by lending the loan applicant with the retained stock withdrawal certificate as collateral.

In addition, the P2P uninterrupted mortgage financial technology service of P2P-based financial technology service company (1) collects funds of investors (5) who want to invest cash assets possessed by crowd-funding method and execute loans to applicants.

To this end, the P2P-based financial technology service company (1) receives an unsecured mortgage application from the loan applicant (4) with assets other than cash, for example, stocks as collateral. The stock that is collateralized here may be the stock held by the applicant (4) or may be a stock owned by a third party. The stocks provided as collateral may preferably be off-the-shelf stocks, but the present invention is not limited thereto and is possible if the stock can be withdrawn from the stock. Therefore, listed shares traded in the market may be provided as collateral. However, in order to make casual loans, P2P-based financial technology service company (1) should belong to stocks subject to unscheduled loan that are set up in advance for the purpose of uncollateralized loan through equity valuation evaluation.

To this end, a P2P-based financial technology service company (1) can request an investment adviser (2) to request a collateral evaluation for assets other than cash that can be provided as collateral by the applicant (4) . The investment adviser (2) can estimate the collateral value of the requested non-cash assets and provide it to the P2P-based financial technology service company (1). A P2P-based financial technology service company (1) can select stocks subject to unscheduled loans with reference to the collateral value of assets other than cash calculated from the investment adviser (2).

Meanwhile, a P2P-based financial technology service company (1) receives an investment application from an investor (5). The cash assets invested here may be the cash assets held by the investor (5) or the cash assets held by the third party. Here, the investor 5 may preferably be an individual, but the present invention is not limited thereto and is possible if the investor can invest cash assets. So it can be a corporation, not an individual. Also preferably, the investor 5 may be a plurality of investors and may be a plurality of investors participating in crowdfunding to form funds for a particular purpose. Preferably, the investor 5 invests the cash funds in a crowd-funded manner and is able to receive a return on investment such as interest income or equity interest.

The affiliated financial institution (3) can receive the investment money from the investor (5) who is approved by the P2P-based financial technology service company (1) for the investment application.

The affiliated financial institution 3 executes the loan to the loan applicant 4 who has been granted the loan by the P2P financial technology service company 1 and receives the interest and principal repayment procedures from the loan applicant 4 periodically or non- You can do it regularly.

In the same way, the affiliated financial institution (3) periodically or irregularly provides the investor (5) who has deposited the investment money with the same amount of the investment profit as the interest on the investment, and if the investment period expires, ).

FIG. 2 is a view for explaining a P2P non-guaranteed mortgage financing technology service system according to an embodiment of the present invention.

Referring to FIG. 2, the financial technology service apparatus 100 in the P2P unsecured secured lending financial technology service system according to an embodiment of the present invention includes an advisory support server 200, a financial support server 300, The first information terminal 400, the second information terminal 500, and the archive support server 600, and is configured to perform processing and communication of various data and electronic signals for the P2P unscheduled secured lending financial technology service.

The financial technology service apparatus 100 may include a processor for processing various data and electronic signals required for the P2P unscheduled secured loan financial service of the P2P-based financial technology service company 1 and a processor for performing communication.

In the case of stocks that can be exchanged for stocks, for example, the financial technology service device 100 replaces the loan applicant's stock through stock substitution and stores the loan in a predetermined account, It is possible to perform processing and communication of various data and electronic signals necessary for proceeding with the executing process.

In addition, the financial technology service apparatus 100 stores the non-cash assets, such as stock certificates in the case of stocks, in a private safe box, and executes the process of executing the loan with the stock withdrawal certificate as collateral It is possible to perform processing and communication of various data and electronic signals required to proceed.

In addition, the financial technology service apparatus 100 includes an investment adviser 2 who performs an evaluation of a collateral value for non-cash assets, a partner financial institution that performs interest and principal repayment procedures 3) and various kinds of data and electronic signals necessary for proceeding with the cooperation work with the electronic signals.

In addition, when the financial technology service apparatus 100 does not have the official price information, when the loan applicants request the demand forecast investigation, the financial technical service apparatus 100 estimates the possibility of attracting the investment secured by the demand prediction survey to the investors, It is possible to perform processing and communication of various data and electronic signals necessary for correcting the loan condition.

In addition, the financial technology service apparatus 100 may be configured to invest in cash assets owned by the loan applicant 4 who desires to receive a quick lending through unsecured mortgage loans, for example, It can process and communicate various data and electronic signals needed to perform P2P uninterrupted mortgage finance technology service by connecting desired investor 5 with P2P loan method.

That is, when the financial technology service apparatus 100 receives the unsecured secured loan application information including the information of the collateral inputted through the first information terminal 400 and the loan condition information, the financial technology service apparatus 100 If the platform usage fee has been settled, the system is opened as an investment product and the investment attraction process is performed. When the deposit of the investment money is completed, the deposited investment money is used as an affiliate of the financial support server 300 The loan will be delivered to the applicant through the financial institution (3).

At this time, the financial technology service apparatus 100 discloses the configuration of disclosing the investment products opened based on the unscrubbed mortgage application information of the loan applicant 4 to the investor, and transferring the investment money collected in response to the information to the loan applicant 4 . On the other hand, the financial technology service apparatus 100 may be configured to manage the investment money collected from the investor 5, and to transfer the loan to the loan applicant 4 opened as an investment product.

However, it should be understood that the present invention is not limited to such a configuration, and that various conventional schemes including a mixture of the two configurations mentioned above are also applicable.

The advisory support server 200 calculates the collateral value for the non-cash assets requested to be evaluated in the investment adviser 2, for example, the stock collateral, and provides various data for providing to the P2P-based financial technology service company 1 And various processors for performing processing and communication of electronic signals.

The advisory support server 200 can be used for various types of out-of-stock stocks, for example, in the case of a company with a negative net profit, a slope of the sales growth rate or a direct company visit, It is possible to generate quantitative and qualitative value measurement data by measuring sexual value.

The advisory support server 200 can calculate the bankruptcy probability of the corresponding company through the various scenario approaches, using the correlation between the debt ratio and the default rate as the accumulated unlisted stocks data.

The financial support server 300 may include various data for financial services performed in the affiliated financial institution 3, and various processors for processing and communicating electronic signals.

To this end, the financial support server 300 has a function of processing various data and electronic signals required for the deposit of funds from the investor 5 who has received the application for investment by the P2P-based financial technology service company 1, And a processor for performing communication.

The financial support server 300 also executes a loan to the loan applicant 4 whose affiliated financial institution 3 has received the loan approval by the P2P based financial technology service company 1 and receives interest from the loan applicant 4 And a processor for performing processing and communication of various data and electronic signals required to periodically or irregularly perform the principal repayment procedure.

Also, the financial support server 300 periodically or irregularly executes interest on the investment money to the investor 5 to which the affiliated financial institution 3 deposits the investment, and if the investment period expires, And a processor for performing communication and processing of various data and electronic signals required to proceed to the return of the electronic signal.

FIG. 3 is a diagram for explaining a financial technology service apparatus in a P2P non-guaranteed mortgage financial technology service system according to an embodiment of the present invention.

Referring to FIG. 3, the financial technology service apparatus 100 may include a data storage unit 110 and a processor 120.

The data storage unit 110 may store unsecured secured loan application information, investment goods information, and investment application information including non-cash asset information and loan condition information to be provided as collateral received from the first information terminal 400 .

The processor 120 may receive unsecured secured loan application information including non-cash asset information and loan condition information to be provided as collateral from the first information terminal 400. [

The processor 120 may open an investment product based on the corresponding unclassified mortgage application information when the platform usage fee is paid in accordance with the unscheduled secured loan application information.

The platform fee may be equivalent to a performance bond. For example, the platform fee can be 1% to 3% of the maximum amount of the loan. However, the present invention is not limited in any way, and any variations are possible.

The platform fee can be used to ensure the stability of the process due to the unscheduled secured loan.

For example, if the information on the inquiry request information is false, the platform user can be operated so that the platform fee is not refunded to the applicant's account. Accordingly, it is possible to effectively prevent users who write down false information, apply for a loan, cancel a loan application in the middle, and lower the stability and reliability of the platform in advance.

The non-refundable platform usage fee can be operated with the operating cost of the financial service device 100 and the compensation cost to the investors. However, the present invention is not limited to the operation of the non-refundable platform fee, and various modifications are possible.

For example, the platform fee may be refunded to the investor if the borrower's dismissal, misrepresentation, or disqualification is caused by the applicant's reasons, To be used for providing to the user.

Of course, in the case of satisfying the platform fee refund condition, the platform fee paid can be refunded to the applicant's account. The conditions for refunding the platform fee may be, for example, cancellation before opening investment products, cancellation due to force majeure disaster, or not achieving the target investment amount. However, the present invention is not limited to the operation of the refunded platform fee, and various modifications are possible.

Thus, after the platform fee has been paid together with the non-arbitrary mortgage loan application in which the non-cash mortgage loan is made available as the collateral from the applicant for the loan, the investment goods opened based on the unclassified mortgage application information can be viewed by the investors Investment attraction is going on. And, if there is a cancellation of the mortgage loan proceeding while the investment attraction is completed or proceeded, the deposited investment and platform fee can be refunded to the investor's account.

The processor 120 may receive the investment application information for the investment goods opened from the one or more second information terminals 500 and perform the investment attraction process so that the investment money can be deposited.

When there is a request for cancellation of the secured loan proceeding from the first information terminal 400, the processor 120 may process the deposited investment funds and the platform usage fee to the account of the investor designated in the investment application information.

Here, when the deposit of the investment money is completed, the processor 120 executes a mortgage loan with the non-cash assets as collateral, and can process the data and the electronic signal for transferring the loan to the account designated in the non- have.

The processor 120 may receive the unsecured secured loan application information from the first information terminal 400 through the loan application menu in order to receive the unsecured secured loan application information.

In the course of performing the investment attraction process, the processor 120 displays the corresponding investment goods information on the investment menu so that at least one second information terminal 500 can view the information when the platform fee is paid in accordance with the unsuccessful secured loan application information .

Accordingly, if there is a request for a click on the investment menu from the second information terminal 500, the investment goods information can be browsed. The reading of the investment goods information can be realized by browsing the outline information and browsing the detailed information.

If there is a request for cancellation of the secured loan proceeding from the first information terminal 400 in a state in which the investment fund is completed in the process of refunding to the account of the investor, the processor 120 transmits the deposited investment fund and the platform fee to the investment application information It may be possible to refund to the account of the designated investor.

If there is a request for cancellation of the secured loan proceeding from the first information terminal 400 while the process of attracting the investor to the account of the investor is in progress, the processor 120 transmits the deposited investment funds and the platform fee to the investment application information It may be possible to refund to the account of the investor designated in

If there is a request for cancellation of the secured loan proceeding from the first information terminal 400 in a state where the investment attraction process is in progress and the deposited investment money exists in the process of refunding to the account of the investor, It may be possible to refund the platform fee to the investor account specified in the investment application information.

If there is a request for cancellation of the secured loan proceeding from the first information terminal 400 while the investment attraction process is in progress and there is no deposited investment money in the process of refunding to the account of the investor, It may be possible to refund the account of the applicant of the loan specified in the application information.

In the process of refunding to the account of the investor, the processor 120 may cancel the execution of the secured loan from the first information terminal 400 in a state where the total amount of the investment deposit is smaller than the target investment amount, Upon request, it may be possible to refund the deposited investment and platform fee to the investor's account specified in the investment application information.

The processor 120 proceeds from the first information terminal 400 to the first information terminal 400 in a state where the total amount of the investment money finally deposited in the process of refunding to the investor's account is smaller than the target investment amount, It may be possible to refund the platform usage fee to the account of the applicant of the loan specified in the application information for the loan.

In this process, the demand forecast investigation process can be performed. In other words, the processor 120 performs a demand forecast investigation process on the non-cash assets provided as collateral through communication with the second information terminal 500 based on the unscrubbed secured loan application information received from the first information terminal 400 And return the demand forecast investigation result information to the first information terminal 400. [

The processor 120 may receive the unsecured loan application information including the non-cash asset information and the loan condition information to be provided as the modified collateral by reflecting the demand prediction result information from the first information terminal 400. [

Here, the non-cash asset may be a non-cash asset whose collateral value can be determined by demand forecasting because there is no official price information.

For example, if the non-cash assets to be provided as collateral are stocks, the unscheduled mortgage application information may include the name of the item, the number of shares, the desired amount of the loan, and the stock investment trustworthiness rating. The stock investment credibility rating is based on the absolute valuation based on the absolute return based on the stock returns of the applicant and the second valuation based on the relative profit, And may be a calculated rating based on a combination of rating ratings.

The advisory support server 200 calculates a security value for the collateral based on the collateral evaluation request signal received from the financial technology service device 100. The security value result information calculated by the advisory support server 200 is provided to the financial technology service apparatus 100.

When the non-cash assets are unlisted stocks, the advisory support server 200 can generate various bankruptcy probability information of the corresponding companies by executing various scenario accessing processes for unlisted stocks.

The advisory support server 200 may generate the risk management information for the requested out-of-stock market. Risk management information is generated by evaluating the value of the collateral against the stocks that have been commissioned. The risk management information may include information on the mortgage rate change that is grasped in real time.

The financial support server 300 performs a financial transaction process for communicating with the second information terminal 500 of the investor 5 who has received the investment application approval from the financial technology service apparatus 100 and receiving the investment money.

The financial support server 300 performs a loan progress process for the loan applicant who has been approved for loan by the financial technology service apparatus 100 and performs the process of depositing the loan to the deposit account designated by the loan applicant. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 and transmits the deposit account information included in the secured loan application information received from the first information terminal 400 And stores it. In addition, the financial support server 300 communicates with the first information terminal 400 of the lender applicant 4 to periodically or irregularly perform the interest and principal repayment process.

Similarly, the financial support server 300 conducts a financial transaction process in which the investor 5 depositing the investment money deposits the interest into the designated deposit account. To this end, the financial support server 300 communicates with the financial technology service apparatus 100 to transmit the deposit account information included in the investment application information received from the second information terminal 500 to the financial technology service apparatus 100 Receiving and storing. The financial support server 300 performs a financial transaction process in which the investment money is returned to the investor 5 account when the investment period expires.

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 400 and the archive support server 600 via a communication network, Respectively.

The communication network is a communication network which is a high-speed period network of a large communication network capable of a large-capacity, long-distance voice and data service, and may be a next-generation wireless network including WiFi, Wibro, and Wimax for providing Internet or high-speed multimedia service.

The Internet includes many services that exist in the upper layer of the TCP / IP protocol such as Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (NFS), and Network Information Service (NIS), for example. The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 400 and the archive support server 600 by the loan applicant 4 and the investor 5 Lt; RTI ID = 0.0 > and / or < / RTI > Meanwhile, the Internet may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a local area network, a wireless mobile communication network, or a portable Internet.

If the communication network is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an embodiment of the asynchronous mobile communication network, there is a WCDMA (Wideband Code Division Multiple Access) communication network. In this case, although not shown in the figure, the mobile communication network may include, for example, a Radio Network Controller (RNC) or the like. Meanwhile, although the WCDMA network is taken as an example, it may be a next generation communication network such as a 3G LTE network, a 4G network, and a 5G network, or an IP network based on other IPs. Such a communication network transmits signals and data between the first information terminal 400, the second information terminal 500 and the financial technology service apparatus 100, the financial support server 400, and the archive support server 600 .

The first information terminal 400 and the second information terminal 500 are connected to the financial technology service apparatus 100, the financial support server 400 and the archive support server 600 through a communication network and use various financial transaction services Lt; RTI ID = 0.0 > wired / wireless < / RTI >

For example, the first information terminal 400 and the second information terminal 500 may include various mobile terminals communicating through the wireless Internet or the portable Internet. In addition, the first information terminal 400 and the second information terminal 500 may include a Palm PC, a smart phone, A financial support service server 400, a storage support server 600 (hereinafter, referred to as " storage support server ") such as a mobile game station, a digital multimedia broadcasting (DMB) phone having a communication function, a tablet PC, an iPad, Or a wired / wireless home appliance / communication device having a user interface for accessing the wired / wireless home appliance / communication device.

Particularly, when the first information terminal 400 and the second information terminal 500 are implemented as a normal smart phone, the smart phone is not limited to a general mobile phone (a feature phone) Application As a phone based on an open operating system that can be freely used and deleted by downloading the program, it is possible to use not only general voice / video call, Internet data communication, but also all mobile phones Or a communication device that does not have a voice call function but includes all Internet phones or Tablet PCs that can access the Internet.

These smart phones can be implemented as smart phones with various open operating systems. Open operating systems include, for example, Symbian of NOKIA, BlackBerry of RIMS, iPhone of Apple, Microsoft's Windows Mobile, Google's Google Android, and Samsung's ocean.

As such, since the smartphone uses an open operating system, a user can arbitrarily install and manage various application programs, unlike a mobile phone having a closed operating system.

That is, the smartphone basically includes a control unit, a memory unit, a screen output unit, a key input unit, a sound output unit, a sound input unit, a camera unit, a wireless network communication module, a short-

The control unit is a general term for a functional configuration for controlling the operation of the smartphone, and includes at least one processor and an execution memory, and is connected to each functional unit included in the smart phone through a bus (BUS).

The controller controls the operation of the smartphone by loading at least one program code included in the smartphone into the execution memory through the processor, calculating the result of the calculation, and transmitting the result to the at least one functional component through the bus.

 The memory unit is a generic term of the nonvolatile memory included in the smartphone, and stores and maintains at least one program code executed through the control unit and at least one data set in which the program code is used. The memory unit basically stores a system program code and a system data set corresponding to the operating system of the smartphone, a communication program code and a communication data set for processing a wireless communication connection of the smartphone, at least one application program code and an application data set, The program code and the data set for implementing the present invention are also stored in the memory unit.

 The screen output unit is composed of a screen output device (e.g., LCD, LED device) and an output module for driving the screen output device. The screen output unit is connected to the control unit through a bus and outputs the calculation result corresponding to the screen output among various calculation results of the control unit to the screen output device .

 The key input unit comprises a key input device (or a touch screen device in cooperation with a screen output unit) having at least one key button and an input module for driving the key input unit. The control unit is connected to the control unit via a bus, Or inputs data necessary for the operation of the control unit.

The sound output unit is composed of a speaker for outputting a sound signal and a sound module for driving a speaker. The sound output unit is connected to the control unit through a bus, and outputs results of arithmetic operations corresponding to sound output among various operation results of the control unit through a speaker. The sound module decodes the sound data to be outputted through the speaker and converts it into a sound signal.

The sound input unit includes a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits the sound data input through the microphone to the control unit. The sound module encodes and encodes a sound signal input through a microphone.

The camera unit is composed of an optical unit, a CCD (Charge Coupled Device) and a camera module for driving the CCD unit, and obtains bitmap data input to the CCD through the optical unit. The bitmap data may include both still image data and moving image data.

The wireless network communication module is a general term for a communication configuration for connecting wireless communication and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving a radio frequency signal of a specific frequency band. And transmits the calculation result corresponding to the wireless communication through the wireless communication among the various calculation results of the control unit or receives the data through the wireless communication and transmits the data to the control unit, The procedures of

Also, the wireless network communication module includes a mobile communication configuration that performs connection, location registration, call processing, call connection, data communication, and handoff to the mobile communication network according to the CDMA / WCDMA standard. Meanwhile, according to the intention of those skilled in the art, the wireless network communication module may further include a portable internet communication structure for performing at least one of connection to the portable Internet, location registration, data communication, and handoff according to the IEEE 802.16 standard. The present invention is not limited to the wireless communication configuration provided by the present invention.

The short-range wireless communication module is composed of a short-range wireless communication module for connecting a communication session using a radio frequency signal as a communication medium within a predetermined distance. Preferably, the short-range wireless communication module includes RFID communication, Bluetooth communication, Wi- And communication. Also, the short-range wireless communication module may be integrated with the wireless network communication module.

The storage support server 600 communicates with the first information terminal 400 and the financial technology service apparatus 100 to store collateral which can be stored in non-cash assets, for example, in the case of stocks, Storage, requests for collateral for stocks, and a process for purchasing a private safe.

In the case of stocks that can be exchanged for stocks, for example, the deposit support server 600 receives various kinds of data and electronic signals necessary for the process of storing the stocks of the applicant through the stock substitution, Processing and communication can be performed.

In addition, the storage support server (600) transmits the information on the receipt of the private safe to the financial technology service apparatus (100) when the non-cash asset, for example, The completion information of the exclusive safe can include the identification information of the exclusive safe, the authentication photograph of the exclusive safe, and the receipt completion confirmation information.

The archive support server 600 can provide the information on the arrival of the exclusive safe for the first information terminal 400 or the financial technology service apparatus 100. [

The storage support server 600 periodically checks the storage status of stocks in the private safe and provides the storage status information periodically or upon request to the first information terminal 400 or the financial technology service apparatus 100 .

FIG. 4 is a flowchart illustrating a P2P unsecured secured lending financial technology service method according to an embodiment of the present invention. Here, the case where the non-cash asset is a stock is described, but the present invention is not limited thereto.

Referring to FIG. 3, the financial technology service apparatus 100 receives the non-specialist stock loan application information from the first information terminal 400 (S10).

Here, the unscheduled mortgage application information may include stock name, stock number, stock amount, desired deposit amount, deposit account number, name, telephone number, e-mail address, and security rating of the stock to be provided as collateral.

The mortgage evaluation rating may include the rating of the loan applicant's stock investment trustworthiness that is calculated and given by the mortgage evaluation process of the financial technology service device 100. [ The stock investment credibility rating is based on the absolute valuation based on the absolute return based on the stock returns of the applicant and the second valuation based on the relative profit, And may include a third evaluation grade calculated based on the evaluation ratings.

To this end, the financial technology service apparatus 100 communicates with the first information terminal 400 and transmits screen information to the first information terminal 400 to receive the unsecured secured loan application information from the first information terminal 400 .

For example, the financial technology service apparatus 100 may provide a contract agreement screen, a member information input screen, a loan item selection screen, and a loan condition input screen for inputting the unscruved stock loan application information.

When the financial technology service apparatus 100 requests the demand prediction survey from the first information terminal 400, the financial technology service apparatus 100 determines the possibility of attracting the investment secured through the loan demand forecast examination process for the investors, And processing and communication of various kinds of data and electronic signals necessary for enabling the electronic device to be operated (S20).

That is, when there is a request from the first information terminal 400, the financial technology service apparatus 100 can execute the loan demand forecasting examination process using the demand prediction P2P platform for loan demand prediction. According to the result of the loan demand prediction, the lender guidance information or the non-lender guidance information can be transmitted to the first information terminal 400. [

The financial technology service apparatus 100 may generate demand forecast request information for aggregating the available funds to be invested in the stock-secured loan using the demand forecast P2P platform according to a request from the first information terminal 400. [

Demand forecasting information may include information on loanable amount, loan interest rate, loan period, early repayment, profit share ratio, and interest payment method.

As a result, investors participating in demand forecasts can enter a loan amount of, for example, 50 million won. You can enter 5.6% per annum on the lending rate. The loan period can be set at 30%. You can choose between interest and compound as interest payment method.

The financial technology service apparatus 100 may transmit the demand prediction request information to the second information terminal 500 and receive the demand prediction result information from the second information terminal 500. [

The financial technical service apparatus 100 judges whether or not the collection amount is satisfied based on the demand forecast result information, and when the collection amount is satisfied, the lending guidance information is transmitted to the first information terminal 400 And if the collection amount is unsatisfactory, the non-delivery guidance information can be transmitted to the first information terminal 400.

Meanwhile, the financial technology service apparatus 100 stores the demand forecast result information received from the second information terminal 500. The stored demand forecast result information can be used to perform the cashing of the collateral.

The demand forecasting investigation process can be used to predict the response that the loan applicant's proposed loan conditions will cause on that platform. Through the demand forecasting process, the applicant can determine whether the loan conditions he or she intends to propose are appropriate. For example, a loan applicant may be able to receive a loan even if he or she proposes conditions favorable to him or her rather than a first-call-wish proposal condition submitted to the demand forecasting process. For example, a loan applicant can determine that a loan can not be made under the initial proposal conditions submitted to the demand forecasting process. Those who are notified of advance demand forecasts for loans can be targeted to users registered as loan investors in advance.

The financial technical service apparatus 100 opens an investment product based on the unsecured loan application information received from the first information terminal 400 when settlement of the platform fee is completed and transmits the investment product to the second information terminal 500) can be browsed so that the investor can apply for investment and receive the investment money from the investor (S30).

If the financial technical service apparatus 100 requests the cancellation of the mortgage loan proceeding from the first information terminal 400 after the investment inducement is completed or after the investment attraction is completed, the deposited funds and the platform fee are allocated to the investment application information It is possible to carry out the process of refunding the investment account and the platform fee refund process to the investor's account (S40).

When the investment attraction is normally completed, the financial technology service device 100 performs the stock-secured loan pre-process through communication of the first information terminal 400 (S50).

To this end, the first information terminal 400 may access a unified securities network to perform a stock substitution process, a stock repurchase condition process, or a physical stock shipment. The first information terminal 400 may access the integrated securities network to perform the corresponding process for the stock substitution process or the redemption condition stock transfer process.

On the other hand, the first information terminal 400 can access the integrated securities information network to select securities and apply for real goods for the real goods issue process. The first information terminal 400 designates the actual shipment quantity selection information and the actual shipment date to complete the actual shipment request. Accordingly, the real goods issue can be executed.

The financial technology service apparatus 100 may receive a stock substitution completion message, a stock transfer completion message, or a stocks object submission completion message from the first information terminal 400. [ To this end, the first information terminal 400 may receive an input signal from the loan applicant to confirm that it has completed the stock substitution, stock transfer, or stock-case submission. Here, the stocks can be, for example, stock withdrawal certificates. The stock withdrawal certificate may be a registered or non-registered bond.

The financial technology service apparatus 100 performs loan payment, interest payment and investment payment payment process when the stock-secured lending pre-process is completed (S60).

To this end, the financial technology service apparatus 100 can perform the loan payment, the interest payment, and the investment profit payment process through the financial service performed in the affiliated financial institution 3 through communication with the financial support server 300.

To this end, the financial support server 300 transmits the loan to the loan applicant 4 who has been granted loan approval by the P2P-based financial technology service company 1 by the affiliated financial institution 3, ) Conducts the processing and communication of various data and electronic signals necessary for periodically or irregularly performing interest payment or principal repayment procedures.

Also, the financial support server 300 periodically or irregularly provides the investor 5, who has made a deposit with the affiliated financial institution 3, the investment profit such as interest on the investment money.

In addition, the financial technology service apparatus 100 may perform the management and risk management process for the stocks exchanged or transferred and the stocks held at the server by communicating with the storage support server 600 (S70). Here, the risk management process can include the process of cashing the collateral.

To this end, the financial technology service apparatus 100 may periodically or irregularly receive the stock status information on stocks exchanged or transferred and stocks held from the storage support server 600.

In addition, the financial technology service apparatus 100 periodically or irregularly evaluates the collateral value of the collateral object, and may transmit the collateral supplemental deposit message to the first information terminal 300 when the collateral value is decreased . In addition, if the security value service device 100 continues to receive a collateral value decrease even though the security deposit is not transferred despite the transfer of the security deposit additional deposit message, the risk management process . The process of cashing the collateral in this way is called the collateralization process of the collateral. The maturing process of the collateral is executed when the collateral is applied to the maturity requirement of the collateral.

The financial technology service apparatus 100 may perform the loan expiration processing process when the expiration date of the loan expires (S80).

To this end, the financial technology service apparatus 100 transmits a loan expiry notification message to the first information terminal 400 when the expiration date of the loan expires, and if it is determined that the expiration date of the loan expires, Process, proceed with the right transfer process for the collateral item, and proceed with the sale process for the collateral.

On the other hand, the financial technology service apparatus 100 can perform the collateral return processing process when the loan is repaid (S90).

To this end, the first information terminal 400 requests the financial technical service apparatus 100 to return the collateral, performs a shipment process for the exclusive safe through the request for the physical safe, and returns the collateral do.

FIG. 5 is a diagram illustrating an example of a loan member information input screen for inputting a non-probationary stock loan application information in the P2P unsecured secured loan financial technology service method according to an exemplary embodiment of the present invention.

5, the loan member information input window includes a name input field, a telephone number input field, an authentication code text sending request object, an authentication code input field, an authentication confirmation request object, an authentication completion display project, an email input field, An account selection field, a selection object, a selection completion object, and a new account registration object.

The new account registration object may include a financial institution selection object, an account number input field, a real account authentication confirmation object, and an authentication completed object.

A window asking whether to assign the newly registered account as the loan receipt account may be displayed.

FIG. 6 is a diagram illustrating an example of a loan item selection screen for inputting non-delinquent stock loan application information in the P2P non-guaranteed mortgage loan technology service method according to an exemplary embodiment of the present invention.

6, the loan item selection window may include an item search field, an item search execution object, a stock holding securities company selection object, a stock number input field, a reference price input field, an evaluation amount input field, and a direct funding availability check object. Stock holding securities company selection objects can perform separate update management with lists.

If you click on the item search execution object, a new window can be displayed where you can select the items to be loaned. The loan item selection window may include an instant loan item display object for sorting and displaying only items that can be immediately loaned and a whole item display object for displaying all loan items available for sorting. An item name and instant lending possibility indication information may be displayed for each item. If you select any item, the item selection window can be closed.

FIG. 7 is a diagram illustrating an example of a loan condition input screen for inputting non-delinquent stock lending application information in the P2P unsecured secured lending financial technology service method according to an exemplary embodiment of the present invention.

Referring to FIG. 7, the loan condition input window may display the stock name, the reference price, the loan amount, the evaluation amount, the possibility of direct funding, and whether the fund can be funded after the manager is confirmed.

Also, loan application classification information can be displayed. The loan application classification information can be displayed to be selectable among equity-linked loans and investment-funded loans.

A collateral quantity input field may be displayed. The collateral quantity input field may be displayed to input the minimum quantity and the maximum quantity.

The mortgage evaluation amount input field may be displayed. You may be prompted to enter the minimum security value and the maximum security value.

The loan rate input field can be displayed. The unit of information input in the loan rate input field may be%. If the mortgage rate is 100%, the loan rate can be up to 70%.

The desired loan amount input field may be displayed. The loan desired amount field may be displayed to input the minimum amount and the maximum amount.

The loan interest rate input field is displayed. For example, the unit of information entered in the loan interest rate input field is the annual rate, which can be expressed as a percentage. The loan interest rate can be limited, for example, to an annual interest rate of up to 20%. However, the present invention is not limited thereto.

The funding period input field can be displayed. The funding period input field may be displayed to input a start date and an end date.

The loan execution day input field can be displayed. The execution date of the loan can be set to be executed on the next business day, for example, three days after the completion of funding.

The loan term selection object can be displayed. The loan period can be, for example, 3 to 12 months.

A platform usage fee input field may be displayed. The platform fee can be financed based on the funding amount after the settlement with the maximum amount. The platform usage fee input field may include an application rate selection field, a minimum amount thereof, and a maximum amount field.

Includes loan application button. When the application button is pressed, the application for the loan is completed. A loan application completion message may be displayed. For example, the message to complete the loan application is as follows: "The loan application has been completed. I will contact you after confirming the contact person. "

When the loan application is completed, the platform fee payment guidance message and the execution button may be displayed. For example, the platform fee billing message might say, "Your loan application has been completed. Would you like to pay for the platform fee?"

When the platform fee payment is completed, a funding start guide message and an execution button may be displayed. For example, the message to start funding may be displayed as "The platform fee payment has been completed. Do you want to start funding?"

FIG. 8 is a flowchart for explaining a demand forecasting investigation process in a P2P non-guaranteed mortgage financing technology service method according to an embodiment of the present invention.

Referring to FIG. 8, demand forecasting request information is generated in order to aggregate investment available funds to be invested in stock-secured loans using a demand forecast P2P platform (S21).

Here, the demand forecast request information is generated based on the unsolicited mortgage loan application information for applying for the unsecured mortgage loan with the stocks received and stored from the first information terminal 400 as the security .

The demand forecast request information is based on the evaluation result data on the stock collateral received from the consultation support server 200, the collateral value estimation result information, the bankruptcy probability information of the corporation, and the risk management information Lt; / RTI >

The evaluation result data on the stock collateral is generated by the advisory support server 200 after receiving the stock collateral evaluation request signal from the financial technical service apparatus 100 to evaluate the stock collateral, . ≪ / RTI >

The security value result information is generated by the advisory support server 200 by calculating the security value for the collateral based on the collateral evaluation request signal received from the financial technology service device 100 and provided to the financial technology service device 100 .

The bankruptcy probability information of the corporation is generated by the advisory support server 200 executing various scenario access processes for unlisted stocks.

Risk management information is generated for the over-the-counter stock requested at the advisory support server 200. [ Risk management information is generated by evaluating the value of the collateral against the stocks that have been commissioned. The risk management information may include information on the mortgage rate change that is grasped in real time.

Accordingly, the financial technology service apparatus 100 can transmit the demand prediction request information for the investment available funds to the second information terminal 500 (S22).

Demand forecasting information may include investment participation check information to explore whether or not an investor is willing to participate in the investment for the equity lending. In addition, the demand prediction request information may include a checklist of participating in the cash-on-demand to check whether the participant is willing to participate in the purchase of the collateral when executing the cash-on-collateralization. In addition, the demand forecast request information includes information on the demand for mortgage application for demand prediction, evaluation result data on stock collateral, information on mortgage value estimation result, probability of bankruptcy of the enterprise, Risk management information, or offer amount information.

Thereafter, the financial technology service apparatus 100 receives the demand forecast result information from the second information terminal 500 (S23).

The demand forecast result information may include investor information, information on the results of the investment participation check, information on the result of the check on participating in the cash collateralization, and investment fund information. Here, the investor information may include the investor's contact information. The contact information may include e-mail, telephone number, SNS account information, preferred stock information, and investment propensity information. The investment propensity information may include target profit rate information and preferred investment period information.

The information on the participation participation checklist may include information indicating that the investor is willing to participate in the investment for the mortgage loan.

The result of the participating check-in-cash check may include information indicating whether the collateral is willing to buy the collateral upon execution of the collateralized cash advance. The result of the participating check-in checkout of the security may include information indicating whether there is an intention to be notified prior to the execution of the checkout cash advance. The result of the check for participating in the mortgage cashing check may include the price information, quantity information, and purchase condition information of the collateral with the buyer.

The investment fund information may include the amount of the investment fund, the investment period, and the investment type information. Information on investment type can include interest income investment, equity participation investment, interest income and equity participation investment. The financial technology service apparatus 100 stores demand forecast result information.

The financial technology service apparatus 100 determines whether the amount of money to be offered is satisfied based on the demand forecast result information (S24). In step S25, the financial technology service apparatus 100 transmits the lendable guidance information to the first information terminal 400 when the amount of money to be offered is satisfied, according to the determination result.

On the other hand, if the collection amount is unsatisfactory according to the determination result, the financial technology service apparatus 100 transmits the non-delivery guidance information to the first information terminal 400 (S26).

FIG. 9 is a diagram for explaining a process of refunding investment funds and a platform fee in the P2P non-arbitragement secured lending financial service according to an embodiment of the present invention.

9, when the financial technology service apparatus 100 requests the cancellation of the secured loan proceeding from the first information terminal 400 in the investment and platform fee refund process in the state in which the investment is being attracted or the attraction is completed, It may be possible to refund the investment and platform fees to the investor account specified in the investment application information.

If the financial technology service apparatus 100 requests the cancellation of the secured loan proceeding from the first information terminal 400 while the investment attraction process is in progress in the course of refunding to the account of the investor, You can refund to the investor's account specified in the investment application information.

If there is a request for cancellation of the secured loan proceeding from the first information terminal 400 in the state that the investment attraction process is in progress and the deposited investment money exists in the process of refunding to the account of the investor, And the platform fee to the account of the investor designated in the investment application information.

The financial technical service apparatus 100 receives from the first information terminal 400 the information on the amount of the mortgage loan from the first information terminal 400 in a state where the total amount of the final deposit of the investment money is smaller than the target investment amount, If there is a request to cancel the proceeding, the deposited investment and platform fee may be refunded to the investor's account specified in the investment application information.

On the other hand, if the financial technology service apparatus 100 requests the cancellation of the secured loan proceeding from the first information terminal 400 while the investment attraction process is in progress and there is no deposited investment money in the process of refunding to the account of the investor , The platform usage fee can be refunded to the account of the applicant of the loan specified in the application information of the loan.

The financial technology service apparatus 100 transmits the amount of money deposited from the first information terminal 400 to the first information terminal 400 in a state where the total amount of the investment money finally deposited in the process of refunding to the investor's account is smaller than the target investment amount, If there is a request to cancel the mortgage loan proceeding, it may be possible to refund the platform fee to the loan applicant's account specified in the loan application information.

Meanwhile, in the embodiment of the present invention, in order to secure the stability of the process according to the progress of the unsecured secured loan, the platform applicant pays the platform use fee in the name of the guarantee deposit.

In another embodiment of the present invention, in order to double the stability of the process according to the progress of the unsecured secured loan, the platform fee may be claimed as the performance deposit for the investor under certain conditions.

For example, if an investor cancels an investment by completing the investment attraction process and fails to achieve the target investment, it will result in a deterioration of the stability and reliability of the platform. Therefore, in this case, it is possible to refund the investment money, except for a part of the security guarantee cost due to the cancellation of the investment. The present invention is not limited to the platform fee charge for the investor, and various modifications may be possible.

In the embodiment of the present invention, a P2P mortgage finance technology service method in which stocks such as stock certificates are held as substitutes for stocks, stocks such as stock certificates are stored, and loans are made to loan applicants as collateral .

It also explained how to borrow money from investors who want to invest their cash assets in a crowdfunding way.

However, in an embodiment of the present invention, the description of common procedures of stock-backed loan, P2P loan, crowd funding, and processing of data and electronic signals for performing the procedures may be omitted. As a matter of course, if there is knowledge of such field, such parts can be variously selected and implemented by a common procedure, data and electronic signal processing, so that even if it is not specifically described, the P2P unscrupulous secured loan finance technology It can be seen that a variety of service methods can be implemented.

Also, in one embodiment of the present invention, the information about the unsecured equity-linked lending application includes the name of the stock, the number of shares, the desired amount of the loan, and the stock investment trustworthiness evaluation rating, And a second evaluation class based on the relative profit which is calculated by linking the first evaluation class to the first evaluation class and the change rate of the market information to the first evaluation class .

Accordingly, in another embodiment of the present invention, a P2P unscheduled secured loan financial technology service method can be performed by applying stock investment reliability evaluation based on stock investment performance. In other words, based on the absolute profit-based investment performance based on the stock trading information of the evaluator, such as the investor who specializes in off-shore stocks, and the relative profit-based investment performance calculated by associating the composite index, , It is possible to determine the financial transaction limit at the time of stock-backed loan or investment inducement by calculating the evaluation grade for evaluating the stock investment reliability of the subject to be evaluated, and to perform the P2P unscheduled secured loan finance financial service based thereon.

To this end, in another embodiment of the present invention, the financial technology service device may include a stock trading and market information collecting unit, an evaluation class calculating unit, an evaluation class providing unit, a financial transaction limit determining unit, and a data storing unit.

The financial technology service device can collect stock market information and stock market information through the stock trading and market information collection department. Based on the absolute profit-based investment performance calculated based on the stock trading information of the subject to be evaluated through the evaluation level calculation section and the investment performance based on the relative profit calculated by associating the composite index, the index of each business type, The rating scale for evaluating the stock investment reliability of the subject can be calculated. The evaluation level of the evaluation subject can be provided to the information terminal together with the identification information of the evaluation subject through the evaluation rating provider. The limit of financial transactions can be determined based on the rating level through the financial transaction limit decision section.

Here, the evaluation rating calculator can calculate the evaluation grade for determining the financial transaction limit of the person to be evaluated. The evaluation level can be calculated by taking into consideration the absolute profit-based investment performance and the relative profit-based investment performance.

The absolute return-based investment performance can be calculated based on the stock trading information of the subject. Here, it can be calculated as the first evaluation rating. Investment performance based on relative profit is calculated by associating composite index, industry index, sales basis, and similar company information. Here, it can be calculated as the second evaluation grade.

The Evaluation Division Calculator divides the items of the evaluation subject by the OTC market, KOSPI, KOSDAQ, and Conex by composite index, index by industry, sales, and similar companies.

For example, the rating rating calculator can extract companies in the range of -50% to 200% of the companies that are classified as businesses based on sales.

For example, the evaluation rating calculator can extract companies with the same or similar products as the evaluation target companies, which are more than 40% of the total sales, as extraction criteria of similar companies.

The evaluation division can calculate the investment performance based on the relative profit by associating the change ratio with the warehouse and warehouse period while setting the reflection ratio for each of the composite index, industry index, sales and similar companies.

The evaluation class calculating section may include a first evaluation class calculating section, a second evaluation class calculating section, an application ratio calculating section, and a third evaluation class calculating section.

The first rating rating calculator can calculate the first rating rating of the person to be evaluated. The first rating can be calculated by measuring the first investment performance according to the trading profit of the subject to be evaluated. The first investment performance means the investment performance based on the trading profit of each stock based on the stock trading information of the subject to be evaluated.

And the second evaluation rating calculator may calculate the second evaluation rating of the person to be evaluated. The second rating can be calculated by measuring the second investment performance of the person to be evaluated. The second investment performance refers to the investment performance according to the difference between the first investment performance and the composite performance index, industry index, sales value, and investment performance of similar companies.

The application rate calculator can calculate the third application rate to be used to determine the financial transaction limit of the person to be evaluated. The third application rate can be calculated based on the first application rate corresponding to the first rating level and the second application rate corresponding to the second rating rating.

For example, the application rate calculating unit may calculate a third value by multiplying a first value obtained by subtracting the minimum value of the application rate from a maximum value of the application rate, a second value obtained by adding the first application rate and the second application rate, A value obtained by multiplying the fourth value obtained by adding the minimum value of the application ratio to 100 can be calculated as the third application ratio.

The third rating rating calculator can calculate the third rating rating of the person to be evaluated. The third rating is a rating determined to determine the financial transaction limit of the person to be assessed. The third rating may be determined in consideration of the first rating and the second rating.

The evaluation-grade providing unit can provide the evaluation level of the evaluation subject to the information terminal together with the identification information of the evaluation subject.

The financial transaction limit determination unit may be implemented by including an item collateral value determination unit, a collateral transaction limit determination unit, an investment management limit determination unit, and a loan application limit determination unit.

The value of collateral value determinants can be determined by calculating the collateral value of an arbitrary stock. The Mortgage Limit Determination Department may determine the allowable limit of the Mortgage Transaction to the person to be assessed. Here, the collateral limit can be determined by reflecting the third application rate of the evaluator to the collateral value of the calculated stock. In other words, the collateral limit is the collateral limit reflecting the investment performance. The Investment Management Limit Determination Department may determine the limit on the amount of investment allowed to be assessed. The limit of investment attraction can be determined by reflecting the third application rate of the person to be evaluated.

The loan application limit decision department can determine the allowable loan application limit for the assessor. The loan application limit can be determined by reflecting the third application rate of the person to be evaluated.

Accordingly, in the P2P non-guaranteed mortgage lending financial technology service method according to another embodiment of the present invention, the lending limit for the lenders who desire to borrow the out-of-stock securities as collateral using the stock investment reliability evaluation method based on the stock investment performance Based on which the P2P unscheduled secured loan financial technology service can be performed.

Here, it is desirable that the applicant of the loan has a history of trading in an off-exchange stock in the past. P2P Unsecured Mortgage Loan Financial technology service provides stock investment reliability evaluation based on stock investment performance to provide a standardized loan limit that evaluates the stock investment reliability of the subject to be evaluated based on past investment performance It is possible to calculate.

For example, a lender applying for securitization of unlisted stocks as collateral can lead to higher securitization based on the lender's stock investment credibility.

Compared with what is called the standardized loan limit calculation method by the loan limit calculation method based on the stock investment reliability evaluation method based on the stock investment performance, the calculation method of the loan limit of the informal type is based on the intrinsic value of the non- The value can be calculated.

For example, if a unlisted stock of A shares can be loaned with a 30% to 50% mortgage rate, the mortgage rate at a 30% to 50% mortgage rate through an informal method (credit rating, Can be estimated.

However, even if the method of calculating the loan ceiling (credit rating, past transaction history, etc.) of the informal scheme is applied, the loan price is calculated to be closer to 30% than the actual 50%. This is due to the risk of unlisted stocks.

Therefore, in the P2P unaccounted mortgage lending financial technology service method according to the embodiment of the present invention, by performing the stock investment reliability evaluation based on the stock investment performance, the non-standardized method (credit rating, By using a formalized method of evaluating the stock investment credibility of the subject to be assessed by combining the absolute return-based investment performance and the relative investment-based investment performance, additional loan limits can be made available to the applicant.

At this time, the additional loan portion can be calculated based on the transaction history. Therefore, the applicant for the loan must have a history of selling and selling unlisted stocks in the past. If a loan applicant has a history of trading in past B stocks, the applicant will submit a record of receipt or shipment to the Internal Revenue Service. This is because the National Tax Service needs this record for the purposes of identifying the securities transaction tax and the transfer tax. In addition, these records will remain even if the securities company transfers or pays them to others.

Therefore, the financial service device for the P2P uninterrupted mortgage financial technology service grasps the past absolute return of the borrower through the transaction records of the warehouse / receipt records and the securities company account submitted to the Internal Revenue Service, and compares the comparison index , It is possible to classify professional investors (borrowers) and automatically judge the additional loans.

For this purpose, the financial service apparatus according to an embodiment of the present invention calculates an evaluation rating based on the absolute profit and the relative profit of a professional investor who desires a loan in the loan limit calculation method for stock investment reliability evaluation based on stock investment performance .

The history of trades conducted by professional investors who wish to lend can be used to gauge the success of investment and the probability of future investment success. And the more data there is, the more reliable the rating will be. This part represents an absolute return-based investment performance.

However, if the investment performance based on the absolute profit is reflected and the investment performance based on the relative profit is reflected, the meaning of stock investment reliability evaluation is properly implemented in the P2P unscrupulous secured loan financial technology service method, and the additional loan amount of the professional investor Can be elaborately calculated.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined by the appended claims. Accordingly, the true scope of the present invention should be determined by the following claims.

Claims (11)

Receiving the unsecured loan application information including the non-cash asset information and the loan condition information to be provided as collateral from the first information terminal;
Opening the investment product based on the corresponding unclassified mortgage application information when the financial service device charges the platform use fee in accordance with the unscheduled secured loan application information;
Performing the investment attraction process so that the financial technical service device receives the investment application information for the opened investment goods from at least one second information terminal and deposits the investment money; And
And refunding the deposited investment amount and the platform usage fee to the account of the investor designated in the investment application information when the financial technical service apparatus requests the cancellation of the secured loan progress from the first information terminal, Loan financing technology service method.
The method according to claim 1,
When the financial technical service apparatus completes the deposit of the investment money, executes a mortgage loan with the non-cash assets as collateral, and performs processing of data and electronic signals for transferring the loan to the account designated in the arbitrary mortgage loan application information P2P Unsecured Mortgage Loan Financial Technology Service Method Including Steps.
The method as claimed in claim 1, wherein the refunding to the investor's account comprises:
If there is a request to cancel the secured loan proceeding from the first information terminal in the state where the investment attraction is completed or the investment attraction process is in progress, the deposited investment money and the platform usage fee are refunded to the account of the investor designated in the investment application information P2P unscheduled secured lending financial technology service method.
4. The method of claim 3, wherein the step of refunding the investor's account comprises:
If there is a request for cancellation of the secured loan proceeding from the first information terminal while the investment attraction process is in progress and the deposited investment money exists, the deposited investment money and the platform usage fee are refunded to the account of the investor designated in the investment application information P2P unscheduled secured lending financial technology service method.
4. The method of claim 3, wherein the step of refunding the investor's account comprises:
If there is a request for cancellation of the secured loan proceeding from the first information terminal while the investment attraction process is in progress and there is no deposited investment money, the step of refunding the platform fee to the account of the applicant for the loan specified in the loan application information Includes P2P Unsecretable Mortgage Loan Financial Technology Service Method.
4. The method of claim 3, wherein the step of refunding the investor's account comprises:
If there is a request for cancellation of the secured loan proceeding from the first information terminal in a state where the total final deposit amount of the investment money is smaller than the target investment attraction amount but is larger than a preset loan advancement commitment amount, A P2P unspecified mortgage finance technology service method comprising the step of refunding to the account of the investor designated in the application information.
4. The method of claim 3, wherein the step of refunding the investor's account comprises:
If the total amount of the investment money finally deposited is less than the target investment amount and is smaller than a predetermined loan advancement commitment amount and there is a request for cancellation of the secured loan progress from the first information terminal, A method of P2P unspecified mortgage financing technology service including refunding to a designated lender applicant's account.
The method according to claim 1,
The financial technical service apparatus proceeds with the demand forecast investigation of the non-cash assets provided as collateral through communication with the second information terminal based on the unscrubbed secured loan application information received from the first information terminal, To the first information terminal in response to a request from the first information terminal.
9. The method of claim 8,
Wherein the financial technical service device receives unclaimed secured loan application information including non-cash asset information and loan condition information to be provided as a modified collateral reflecting the demand forecast result information from the first information terminal, Unsecured mortgage lending financial technology service method.
The method according to claim 1,
The above-mentioned non-cash asset is a non-cash asset that can be determined by the demand forecasting survey because there is no official price information.
A data storage unit for storing unscheduled secured loan application information, investment product information, and investment application information including non-cash asset information and loan condition information to be provided as collateral received from the first information terminal; And
The method comprising the steps of: receiving the unscrubbed secured loan application information from the first information terminal, opening an investment product based on the unsecured secured loan application information when the platform fee is paid in accordance with the unscheduled secured loan application information, And the first information terminal receives the investment application information from the first information terminal and performs the investment attraction process so that the investment money can be deposited. If there is a request to cancel the secured loan progress from the first information terminal, To the account of the investor designated in the investment application information.

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