KR101940392B1 - Method for peer to peer loan finance service based offline interworking and apparatus thereof - Google Patents

Abstract

In the offline interlinked P2P loan financial service method, the financial technical service device establishes investment commodity information including information on entrusted assets set as collateral based on the loan application information received from the first information terminal and investment reference information for attracting the investment And proceeds to attract investment. The financial technical service apparatus receives the investment money based on the investment application information received from the second information terminal according to the request of the customer who has joined the membership as an investor by using the connection information provided from the offline service apparatus, A P2P loan can be executed to process data and electronic signals for transferring the loan to the account specified in the loan application information. The financial technology service device performs the process of providing the money to the investor and the offline service operating company corresponding to the offline service device, respectively, based on the investment application information.

Description

FIELD OF THE INVENTION [0001] The present invention relates to an offline linked P2P loan financial service method and apparatus, and more particularly,

The present invention relates to a method and apparatus for offline P2P-based financial services, and more particularly, to a method and apparatus for offline P2P loan financial services, In the process of linking multiple investors who invest in cash assets through P2P loans, we calculate the amount to be paid to the investor and the offline service operator who visits the offline store or uses the transportation means as the investor. The present invention relates to a P2P-based offline financial service method and apparatus.

Recently, crowd funding, which is an investment method to collect funds from a large number of investors using media such as social media and internet, is spreading. Earlier, crowdfunding was a way for non-funded arts and social activists to open their own creative projects and social public projects online and receive funding from a large number of anonymous people. It is also called social funding because it promotes investment attraction by positively utilizing social network service.

Recently, such crowdfunding has been used not only as a creative project such as a movie, but also as a means for financing a corporation as well as a social public benefit project. As a result, there is a growing demand for crowdfunding services that are professional and reliable, free from the financial services that have been provided by the inter-personal direct transactions.

Among the crowdfunding systems, there is a loan crowdfunding system. However, there is a problem that due to weak legal support for crowdfunding, the fund recovery rate is too low and the investor's financial loss is virtually defenseless.

In addition, if the funder wishes to raise funds through crowdfunding, he / she should be actively engaged in public relations activities, but there is a problem of additional expenses. In crowd funding services for intangible assets, investors invest in uncertain ideas Often there was a problem that the investment was not recovered properly.

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. .

In the past, crowdfunding and P2P loan services have been limited in promoting the introduction of users.

Accordingly, there is a need for a method for effectively connecting users to crowd-funding and P2P loan services by linking them offline.

The problem to be solved by the present invention is to provide a lender who pledges the trust assets and pledges to pay interest and loans the necessary funds and plural investors who invest their own cash assets on the condition of receiving the investment income, A method and an apparatus for offline P2P loan financial service based on an offline link in which an investor and an offline service operator who visits a local store or uses a transportation means as an investor are calculated and paid out .

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.

According to one aspect of the present invention, in order to perform an offline interworking-based P2P loan financial service method, a financial technology service device transmits a credit card based on loan application information received from a first information terminal through communication with a financial support server It is possible to open investment product information including information on entrusted assets and investment reference information for attracting investment, and proceed with investment attraction. The financial technical service apparatus transmits the investment amount based on the investment application information received from the second information terminal according to the request of the customer who has joined the membership as the investor by using the connection information provided from the offline service apparatus through communication with the financial support server And executes the P2P loan with the entrusted assets as collateral, thereby processing data and electronic signals for transferring the loan to the account designated in the loan application information. The financial technology service device can perform a process of communicating with the financial support server and paying the money to the investor based on the investment application information and the offline service operating company corresponding to the offline service device, respectively.

The offline service device can provide the second information terminal with access information for using the offline store or attracting customers using the transportation means to investors.

The offline service device can provide connection information using at least one of a QR code display part, a barcode display part, a beacon generator, or an RF tag.

The financial technical service device guides the information about the amount collected through the demand forecasting based on the demand forecast result information based on the demand forecast result information, and inquires about inquiry about whether to apply or accept the loan for the collected amount, And can provide it to the terminal.

The financial technical service apparatus can preferentially provide the investment reference information to the specific investor based on the investor preference information included in the loan application information received from the first information terminal in order to attract the investment.

The financial technology service device can classify the investors based on the investor's investment propensity and the investment history to generate the investor analysis information and provide the information to the first information terminal.

The financial technology service device displays investment product information so that the investment product in which the second information terminal is opened can be browsed for attracting investment, and the investment product information may include investment decision information to which information asymmetry is applied.

According to another aspect of the present invention, there is provided a lending financial technology service apparatus including a data storage unit for storing investor information according to an investment fund recruitment process and loan information according to a loan execution process, and a processor.

The processor establishes investment commodity information including information on entrusted assets set as security and investment reference information for attracting investment based on the loan application information received from the first information terminal through communication with the financial support server, We can proceed to attract. The processor can receive the investment money based on the investment application information received from the second information terminal according to the request of the customer who made the membership as the investor using the access information provided from the offline service device. The processor can execute the P2P loan with the entrusted asset as collateral, and process data and electronic signals for transferring the loan to the account specified in the loan application information. The processor can perform the process of providing the money to the investor and the offline service operating company corresponding to the offline service device, respectively, based on the investment application information.

At this time, the offline service device may be configured to provide the second information terminal with access information for using the offline store or for attracting customers using the transportation means to investors.

At this time, the offline service device may be configured to provide the connection information using at least one of a QR code display part, a barcode display part, a beacon generator, or an RF tag.

According to the present invention, various goods information or service information of an offline service can be effectively provided to many consumers on-line by using a P2P financial lending service. Accordingly, a consumer who has experienced various product information or service information of the offline service can visit a place where the offline service is provided, or purchase goods or services that are favorable by using the transportation means.

According to the present invention, a customer targeted by a P2P financial lending service can be introduced into an online P2P financial lending service from a space or transportation means for providing offline service. Accordingly, it is possible to effectively promote the P2P financial lending service to the customers who use the same offline service as the target customer of the P2P financial lending service.

FIG. 1 is a view for explaining the concept of an offline interworking-based P2P loan financial service according to an embodiment of the present invention.
FIG. 2 is a diagram for explaining an offline interworking-based P2P loan financial service system according to an embodiment of the present invention.
3 is a diagram for explaining a financial technology service apparatus in an offline interworking-based P2P loan financial service system according to an embodiment of the present invention.
4 is a flowchart illustrating an offline interworking-based P2P loan financial service method according to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating a lending availability authentication process in a P2P loan financial technology service method according to an exemplary embodiment of the present invention.
6 is a flowchart illustrating a loan demand forecasting investigation process in a P2P loan financial technology service method according to an embodiment of the present invention.
7 is a diagram for explaining an application example of an offline interworking-based P2P loan financial service according to an embodiment of the present invention.
8 is a diagram for explaining an expected effect of offline offline P2P loan financial service according to an embodiment of the present invention.
9 is a view for explaining an example of utilization of offline offline P2P loan financial service according to an embodiment of the present invention.
FIG. 10 is a diagram for explaining an application example of an offline interworking-based P2P loan financial service according to an embodiment of the present invention.
FIG. 11 is a diagram for explaining on-line and off-line interworking by an offline interworking-based P2P loan financial service according to an embodiment of the present invention.
FIG. 12 is a diagram for explaining an on-line and off-line interlocking effect by an offline interworking-based P2P loan financial service according to an embodiment of the present invention.
FIG. 13 is a diagram for explaining the concept of an offline interworking-based P2P loan financial service according to another embodiment of the present invention.
FIG. 14 is a diagram for explaining a target customer having a similar tendency in an offline interworking-based P2P loan financial service according to another embodiment of the present invention.
FIG. 15 is a view for explaining the effect of offline offline P2P loan financial service according to another embodiment of the present invention.
FIG. 16 is a diagram for explaining an expected business effect of offline offline P2P based loan financial service according to another 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 an offline interworking-based P2P loan financial service according to an embodiment of the present invention.

Referring to FIG. 1, an offline interworking-based P2P loan financial service according to an embodiment of the present invention may be provided by a financial technology service company 1. Here, the financial technology service company (1) may be an investment recruitment-based loan financial technology service company. For example, a P2P-based financial technology service company. However, the present invention is not limited thereto.

A financial technology service company (1) enters into a business alliance agreement with an investment advisory company (2), a partner financial institution (3) and an offline service operating company (4) ) And investor (6) through a P2P loan method to lend to borrower (5), investor (6) participating in the investment recruitment process, and offline service operating company (6) 4) to calculate the amount to be paid out, and to pay offline P2P loan financial service.

Here, the entrusted assets may include various assets that can be collateralized to finance by the P2P lending method by the trust agreement. The entrusted assets may be managed, disposed of, held, operated or traded for the collection of funds in accordance with the contents of the trust agreement.

The entrusted assets may include various movable properties or real estate. For example, entrusted assets include unlisted stocks, listed stocks, trade receivables, loans, gift certificates, bonds, intellectual property rights, tangible property rights, intangible property rights, performance and exhibition rights, content rights, blog operating rights, electronic money, And may include a variety of non-cash assets and foreign currency assets with collateral value, such as a funded recovery plan agreed for the commodity trading business. In addition, entrusted assets may include safe assets and risk assets.

The financial technology service company (1) can request the offline service operating company (4) to induce membership by using QR code or beacon.

The affiliated financial institution (3) can carry out investment deposit, loan payment, interest payment, repayment of principal and interest, payment of investment and settlement of profit distribution.

Off-Line Service Operator Company (4) is establishing an off-line infrastructure such as off-line store or transportation for off-line service operation.

Off-line stores can be various offline spaces such as cafes, restaurants, bookstores, theaters, karaoke rooms, gymnasiums, swimming pools, golf courses, sports goods stores, real estate brokers, ski resorts, resorts, lodging companies and amusement parks.

The means of transportation may include a variety of vehicles such as taxis, buses, cars, trains, trains, airplanes, ships, motorcycles, bicycles, drones, quickboards and segways.

The offline service operating company (4) can request financial support service of the offline service through the event by business cooperation with the financial technology service company (1) for offline offline P2P loan financial service. For example, you can request support for promoting new menus or promoting new services.

Accordingly, the financial technology service company 1 establishes an online event in the website or SNS operated by the financial technology service company 1, and transmits the advertisement of the new service or new menu newly released by the offline service operating company 4 .

In addition, the offline service operating company 4 can provide the access information such as the QR code or the beacon to the customers using the offline store or using the transportation means.

For example, the off-line service operating company 4 may provide an access information providing module for providing access information to a predetermined location of the off-line store or transportation means and provide the information to the customers.

For example, the connection information providing module may include a QR code display unit, a barcode display unit, a beacon generator, and an RF tag.

However, the present invention is not limited to this, and various access information codes other than the QR code and the bar code can be used.

The off-line service operating company 4 can induce a member of the P2P financial lending service or induce investment by allowing the customer to access the P2P financial lending service through the information terminal using the corresponding access information.

Customers using the offline service can generate a profit by making membership and investing using the access information provided from the offline service operating company 4 in the offline store or transportation means.

The financial technology service company 1 can obtain at least a portion of the revenue generated by the customer's membership and investment through the offline information service provided by the off-line service operating company 4 in the off-line store or transportation means, ).

The borrower (5) may provide the entrusted assets as collateral, pledge to pay the interest, and may wish to make a P2P loan. The borrower (5) may be an individual or a company with a trust asset.

The entrusted assets may include various movable properties or real estate. For example, entrusted assets include unlisted stocks, listed stocks, trade receivables, loans, gift certificates, bonds, intellectual property rights, tangible property rights, intangible property rights, performance and exhibition rights, content rights, blog operating rights, electronic money, And may include a variety of non-cash assets and foreign currency assets with collateral value, such as a funded recovery plan agreed for the commodity trading business. In addition, entrusted assets may include safe assets and risk assets.

The commodity trading business can be, for example, purchasing and selling a large amount of luxury goods. The borrower (5) may establish a committed money recovery plan for the commodity trading business for selling luxury goods. The borrower (5) can borrow funds to purchase the luxury goods as collateral for the payment guarantee based on the agreed money-saving plan. Accordingly, the borrower 5 agrees to pay interest.

The borrower 5 periodically prepays the interest to the financial technology service company 1 according to the loan condition and repays the principal on the loan repayment date.

The borrower 5 can purchase the item to be sold using the funds borrowed from the financial technology service company 1 and the funds secured by itself, and proceed with the sale event.

Here, the commodity trading business may include a variety of commodity purchase business, commodity sales business, commodity rental business, and commodity rental business, for which funds are planned and can be carried out, for example, in the business. Goods leasing business may also include space renting business.

The investor 6 may be a customer who is registered as an investor by an investor attraction operation of the offline service operating company 4 among the customers using the offline service such as the offline store user or the transportation user. Investors (6) can invest their cash assets in a crowdfunded manner.

For example, an investor 6 may invest cash assets in a P2P financial lending service operated by a financial technology service company (1). Accordingly, the investor (6) is paid the interest determined by the financial technology service company (1) and can receive the principal reimbursement on the loan repayment date, and part of the generated profit can be distributed.

In addition, the investor 6 can receive an event opportunity from the offline service operating company 4 that he / she uses. For example, the investor 6 may receive event information provided to the investor 6 from the off-line service operating company 4. The investor 6 can receive the event information provided by the offline service operating company 5 to the investor 6 in the process of participating in the investment recruitment process.

Here, the investment adviser 2, the affiliate financial institution 3, the off-line service operating company 4, the borrower 5, and the investor 6 are not limited to one but can be plural.

A financial technology service company (1) may conduct a demand forecast survey on an investor (6) to determine or determine the availability of investment for arbitrary loan condition information. Accordingly, the borrower 5 may modify the loan application information including the loan condition so as to correspond to the demand forecast result.

An off-line P2P lending financial service of a financial technology service company (1) can be made by executing the necessary loan to the borrower (5) with the entrusted assets as collateral.

In addition, the P2P lending financial technology service of the financial technology service company (1) collects the funds of the investor (6) who wants to invest the cash assets possessed by the crowd funding method and the lender ) By executing a loan.

To this end, the financial technology service company (1) receives a loan application from the borrower (5) who wants to borrow the loan with the trust assets as collateral.

 The financial technology service company (1) can refer the investment adviser (2) to the valuation of the entrusted assets provided by the lender (5) as collateral. The investment adviser (2) can estimate the value of the entrusted asset and provide it to the financial technology service company (1).

Meanwhile, the financial technology service company (1) receives an investment application from a plurality of investors (6). The cash assets invested here may be the cash assets held by the investor (6) or the cash assets held by the third party. Here, the investor 6 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 6 may be a plurality of investors and may be a plurality of investors participating in crowdfunding to form funds for a specific purpose. Preferably, the investor 6 invests cash funds in a crowd-funded manner and is able to receive investment returns such as interest income or equity interest.

Here, interest can be paid in cash or in vouchers or in kind.

In addition, the financial technology service company 1 provides various information related to the entrusted asset to the investor 6 in the process of connecting the lender 5 and the investor 6 through the P2P loan, And investment attraction.

To this end, the financial technology service company 1 may generate detailed information of the entrusted asset provided from the lender 5 and provide it to the investors 6.

The detailed information of the entrusted assets provided to the investor 6 at this time may include selected investment reference information for the purpose of providing information of the entrusted asset and attracting the investment. The investment reference information includes a summary of the loan receivables, an overview of the loan receivables, a description of the loan purpose, a description of the plan for the withdrawal of funds, an introduction of the loan customer, information on the business related to the entrusted asset, Investor reward information, and risk information for investment.

The affiliated financial institution (3) may receive the investment money from the investor (6) who has received the investment application approval by the financial technology service company (1). Here, the affiliated financial institution (3) may be a financial transaction institution such as a bank, a mutual savings bank, a credit union, or a cooperative. The affiliated financial institution (3) may be a lender. The affiliated financial institution (3) may be a private equity fund operator. The affiliate financial institution (3) may be a personal asset manager.

The affiliated financial institution 3 executes a loan to the borrower 5 who has been approved for loan by the financial technology service company 1 and executes the interest and principal repayment procedure from the borrower 5 periodically or irregularly .

In the same way, the affiliated financial institution 3 periodically or irregularly provides the investor 6 who has deposited the investment money, such as interest on the investment, periodically, and when the investment period expires, the investor 6 ).

In addition, the affiliated financial institution (3) may perform the profit distribution settlement procedure for the profit generated for the investment by the investor (6) who deposited the investment.

FIG. 2 is a diagram for explaining an offline interworking-based P2P loan financial service system according to an embodiment of the present invention.

Referring to FIG. 2, the financial technology service apparatus 100 in an offline interworking-based P2P loan financial service system according to an exemplary embodiment of the present invention includes an advisory support server 200, a financial support server 300, The first information terminal 500 and the second information terminal 600 to perform processing and communication of various data and electronic signals for the financial technology service. Here, the financial technology service may be an investment recruitment-based loan financial service. For example, a P2P loan financial technology service.

The financial technology service apparatus 100 may include various data required for the offline interworking-based P2P loan financial service of the financial technology service company 1 and various processors for processing and communicating electronic signals.

The P2P loan based on off-line financial services consists of a borrower (5) who pledges the trust assets and pledges to pay interest and loans the necessary funds, and a plurality of investors who invest their own cash assets (6) can be connected to each other through a P2P loan. In the process, offline offline P2P loan finance service can calculate and pay out the amount to be paid to the offline service operating company 4 who visits the offline store or uses the transportation means as the investor 6.

The financial technology service apparatus 100 may be configured to include various data necessary for proceeding with the process of making a loan of necessary funds with the trust assets as collateral, and a processor for processing and communicating electronic signals.

In addition, the financial technology service apparatus 100 performs an affiliation business between the investment adviser 2 performing the valuation of the entrusted asset and the affiliated financial institution 3 performing the interest and principal repayment and the profit distribution settlement procedure The consulting support server 200, the financial support server 300, and a processor for processing and communicating necessary data and electronic signals.

In addition, the financial technology service apparatus 100 connects the borrower 5 who desires to be loaned with the trust asset and the investor 6 who wants to invest the cash asset held by the crowd funding method through the P2P loan method, And a processor for performing processing and communication of various data and electronic signals required to perform the offline interworking-based P2P loan financial service by providing the money information to be distributed to the investors 6 participating in the offline interworking.

That is, when the financial technology service apparatus 100 receives the loan application information such as the desired loan information input through the first information terminal 500, the financial technology service apparatus 100 judges whether the loan is available or not And if it is determined that the loan can be made, the loan is delivered to the borrower 5 through the affiliated financial institution 3 of the financial support server 300.

At this time, the financial technology service apparatus 100 may be configured to manage the investment money collected from the investor 6, and to transfer the loan to the borrower 5 determined to be borrowed, (5) to the investor and transfer the investment money collected in response to the loan application information to the lender (5). However, it should be understood that the present invention is not limited to such a configuration, and that various other conventional methods including the mixed configuration of the two configurations can also be applied.

The advisory support server 200 calculates the value of the entrusted asset requested to be evaluated by the investment adviser 2 and provides various data to be provided to the financial technology service company 1, And a processor.

The advisory support server 200 measures the quantitative and qualitative values based on various data obtained through the business progress information of the relevant company or the direct company visit when the borrower is a company, Data can be generated.

Advisory support server 200 can calculate the business failure probability of the company through various scenario approaches.

The financial support server 300 may include various data for a financial technology service performed by 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 to allow the affiliated financial institution 3 to process and communicate various data and electronic signals necessary for receiving the investment money from the investor 6 who has received the investment application approval by the financial technology service company 1 And a processor for performing the operation.

In addition, the financial support server 300 executes a loan to the borrower 5 whose affiliate financial institution 3 has received the loan approval by the financial technology service company 1, and receives the interest and principal repayment procedure And a processor for performing processing and communication of various data and electronic signals required for periodically or irregularly performing various kinds of data.

In addition, the financial support server 300 periodically or irregularly pays interest or profits on the investment to the investor 6 to which the affiliated financial institution 3 has deposited the investment, and when the investment period expires, 6), and a processor for performing communication and processing of various data and electronic signals necessary for proceeding. Here, interest can be paid in cash, vouchers, or in kind. The present invention is not limited thereto and interest may be paid in various forms depending on the choice.

In addition, when the customer makes a membership and makes an investment through the access information provided by the offline service operating company 4 in the offline store or the transportation means, the financial support server 300 transmits the determined money source to the offline service operation (4) to the company (4).

The offline service device 400 may provide the connection information such as the QR code or the beacon to the customers using the offline store or using the transportation means.

To this end, offline service device 400 may include a memory and a processor.

The off-line service device 400 may be provided with an access information providing module for providing connection information at a predetermined place of the off-line store or transportation means to provide the information to the customers.

For example, the connection information providing module may include a QR code display unit, a barcode display unit, a beacon generator, and an RF tag.

However, the present invention is not limited to this, and various access information codes other than the QR code and the bar code can be used.

The offline service device 400 allows the customers to access the P2P financial lending service provided by the financial technology service device 100 through the second information terminal 600 using the corresponding access information, Or induce investment.

The customers using the offline service can make a membership through the second information terminal 600 using the access information provided from the off-line service device 400 in the off-line store or transportation means and make an investment to generate a profit.

3 is a diagram for explaining a financial technology service apparatus in an offline interworking-based P2P loan financial 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 the mortgage application information, the investment product information, and the investment application information including the entrusted asset information and the loan condition information from the first information terminal 500.

Here, the trust asset information may include various kinds of personal property or real estate information. For example, entrusted asset information includes information such as unlisted stocks, listed stocks, trade receivables, loans, gift certificates, bonds, intellectual property rights, tangible property rights, intangible property rights, performance and exhibition rights, content rights, blog operating rights, electronic money, , And various non-cash assets and foreign currency asset information with collateral value, such as information on the planned return of funds for the commodity trading business.

In this case, the information on the plan for collecting the money may include setting the movable property security for the goods to be purchased by the borrower as the money to be borrowed and disposing of the items set as security as the case of failing to pay the interest payment or the repayment schedule have.

The fund collection plan information may include receiving a portion or all of the sales proceeds up to a predetermined amount when the article is sold.

The funds collection plan information may include setting up collateral for the trade receivables of the principal place of business of the goods operated by the lender.

The plan for collecting funds may include establishing a joint guarantee for the CEO or internal director if the borrower is a business.

The funds collection plan information may include notarizing the loan receivables.

The fund redemption plan information may include pledging the interest of the lender or the lenders' representative directors to enhance the payment guarantees.

The processor 120 determines the amount of money to be paid to the investor based on the investor information and the loan information, the QR code or the beacon provided by the offline service operating company among the shop visitors, The amount to be paid to the offline service operating company 4 can be deduced.

The processor 120 can receive the loan application information for requesting the loan from the first information terminal 500 with the entrusted asset as collateral.

The processor 120 may communicate with the first information terminal 500 and provide the first information terminal 500 with screen information for receiving the loan application information from the first information terminal 500. [

The processor 120 sends the valuation request information to the advisory support server 200 for the entrusted assets. To this end, the processor 120 generates value evaluation request information based on the loan application information input from the first information terminal 500.

The processor 120 communicates with the first information terminal 500 to perform a process of generating and storing entrusted asset information.

The processor 120 may provide the generated entrusted asset information to the first information terminal 500. [

The processor 120 may receive the investor preference information that the lender prefers to the investor from the loan application information received from the first information terminal 500. [

Here, the investor preference information can be classified according to the investment propensity of the investor. For example, any lender may prefer an aggressive investor. For example, any lender may prefer a stable investor.

The investor preference information can be divided by the investor's amount. For example, any lender may prefer a small number of investors who invest a lot of money.

On the other hand, any lender can prefer a large number of investors who invest a small sum.

The processor 120 can process the data for offline offline P2P loan finance service by classifying each investor based on the investor preference information received from the first information terminal 500. [

The processor 120 uses the P2P loan based on the loan application information from the first information terminal 500 to brand a positive image with respect to the borrower related company, Information can be generated.

For example, processor 120 may include a photographic image of a vendor's photo or a business promotional model in an investment note to activate the brand of the vendor associated with the borrower.

In addition, the processor 120 may include target information for branding in investment reference information. For example, the target information for branding may generally be a company, a cooperating organization, a cooperating partner, or a cooperative worker associated with the lender. The processor 120 may also include mediation information that may be used to brand target information for branding investment reference information. Here, the mediating information may include a person, color, sound, word, sentence, image, text, or image information. The mediation information may be selected as needed.

The processor 120 may include photographs and other information to further remembers the vendor associated with the borrower as intermediary information.

The processor 120 may include design, technology, patent, mark, or trademark related to the commodity trading business to inform the commodity trading business in addition to the photograph of the main supplier as the mediating information.

In addition, the processor 120 may include, as mediation information, information relating to the company's products, member information, anticipated results and financial information related to the entrusted assets, and information on attracting investment.

Thus, if an investor views a photo of a sponsor, views a logo, sees a unique design of a circuit, sees a technology introduction, or views a patent, the project and the sponsor may naturally be branded. By doing so, the business and the sponsor can naturally be promoted to investors.

The processor 120 may receive an investment application signal from the second information terminal 600. The processor 120 may communicate with the second information terminal 600 and provide screen information to the second information terminal 600 to receive investment application information from the second information terminal 600. [

The cash assets invested here may be the cash assets held by the investor (6) or the cash assets held by the third party.

For example, the loan repayment method may include a principal repayment maturity repayment method, principal repayment method, and interest monthly payment method.

The processor 120 may classify the investors from the investment application information received from the second information terminal 600.

For example, processor 120 may classify each investor by investor preference from investment application information. For example, investors can be divided into aggressive investors and stable investors.

For example, the processor 120 may classify each investor according to the investment amount from the investment application information.

For example, the processor 120 may classify each investor according to the preferred item from the investment application information.

Meanwhile, the processor 120 may provide investment reference information differently for each investor classified from the investment application information.

For example, the processor 120 may preferentially provide the investment reference information based on the investor preference information included in the loan application information received from the first information terminal 500.

For example, if an arbitrary lender prefers an aggressive propensity for investors, the processor 120 may preferentially provide the investment reference information to aggressive investors.

On the other hand, if a certain lender prefers an investor with a stable tendency, the processor 120 can preferentially provide the investment reference information to the investor with a stable tendency.

Similarly, for example, if a borrower prefers a small number of investors who invest a large amount of money, the processor 120 may preferentially provide the investment reference information to a small number of investors who invest a large amount of money.

On the other hand, for example, if a certain borrower prefers a plurality of investors who invest a small amount of money, the processor 120 can preferentially provide investment reference information to a plurality of investors who invest a small amount of money.

In addition, the processor 120 can classify investors based on the investor's investment propensity and investment history to generate investor analysis information.

The investor analysis information may include investment amount, investment preference product, and investor management grade for each investor.

Here, investor management information can be generated so that it can be used for publicity and investment attraction services of entrusted asset-related companies. To this end, investor management information can be classified into, for example, simple investor class, constituent participant investor class, and core investor class. Here, a simple investor class may simply include investors who have an interest in the loan interest of an investment-based loan finance service. The participating investor class may include investors who are likely to participate or participate in the business listed in the investment reference information. The core investor class may include investors who are willing to invest in the related companies.

The processor 120 may provide the investor analysis information to the first information terminal 500 and the advisory support server 200. [

The processor 120 may perform a process for paying the investors 6 using the loan finance technology.

For this, the processor 120 stores the investor information according to the investment process and the loan information according to the loan execution process.

The processor 120 may calculate an amount to be paid to the investor 6 and the offline service operating company 4 based on the investor information and the loan information.

The processor 120 may provide the calculated amount of the inquiry request as the inquiry result.

The processor 120 may calculate the amount of the inquiry request and provide the inquiry result.

The advisory support server 200 receives a valuation request signal for the entrusted asset from the financial technology service apparatus 100, performs valuation, and returns evaluation result data to the financial technology service apparatus 100.

The advisory support server 200 calculates the value of the entrusted asset based on the value evaluation request signal received from the financial technology service apparatus 100. The value result information calculated by the advisory support server 200 is provided to the financial technology service apparatus 100.

The consulting support server 200 may execute various scenario accessing processes for the entrusted assets to generate risk management information for the requested entrusted assets. Risk management information is generated by evaluating the value of the funded recall plan that has been commissioned by data and analytical techniques.

The financial support server 300 performs a financial transaction process for communicating with the second information terminal 600 of the investor 6 who has received the investment application approval from the financial technology service apparatus 100 to deposit the investment.

The financial support server 300 performs a loan progress process for the lender who has been granted the loan by the financial technology service apparatus 100 and performs a process of depositing the loan to the deposit account designated by the lender. 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 loan application information received from the first information terminal 500 to the financial technology service apparatus 100 Receiving and storing. In addition, the financial support server 300 communicates with the first information terminal 500 of the borrower 5 to periodically or irregularly perform the interest and principal repayment process.

Similarly, the financial support server 300 carries out a financial transaction process of depositing interest to a designated deposit account of the investor 6 who deposited the investment money. 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 investment application information received from the second information terminal 600 to the financial technology service apparatus 100 Receiving and storing. The financial support server 300 performs a financial transaction process for returning the investment amount to the account of the investor 6 when the investment period expires.

The first information terminal 500 and the second information terminal 600 may be connected to each other via a communication network so that they can transmit and receive data to and from the financial technology service apparatus 100 and the financial support server 300.

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 500 and the second information terminal 600 are connected to the offline service operating company 4, the borrower 5 and the investor 6 to the financial technology service apparatus 100 and the financial support server 300, respectively 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, a WCDMA (Wideband Code Division Multiple Access) communication network is exemplified. 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. The communication network transmits signals and data between the first information terminal 500, the second information terminal 600, the financial technology service device 100, and the financial support server 300.

The first information terminal 500 and the second information terminal 600 may be connected to the financial technology service apparatus 100 and the financial support server 300 through a communication network to perform all kinds of wired / Device.

For example, the first information terminal 500 and the second information terminal 600 may include various mobile terminals communicating via a wireless Internet or a portable Internet. In addition, a Palm PC, a smart phone, A financial service apparatus 100 such as a mobile game terminal, a digital multimedia broadcasting (DMB) phone having a communication function, a tablet PC, an iPad, and a financial support server 300 The present invention can be applied to all types of wired / wireless home appliances / communication devices.

Particularly, when the first information terminal 500 and the second information terminal 600 are implemented as a general smartphone, the smart phone is different from a general mobile phone (a so-called 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 including all internet phones or tablet PCs that do not have a voice call function but 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.

4 is a flowchart illustrating an offline interworking-based P2P loan financial service method according to an embodiment of the present invention.

Referring to FIG. 4, the financial technology service apparatus 100 receives loan application information from the first information terminal 500 (S10). The application for the loan is for the borrower (5) to make P2P loan of necessary funds with secured assets as collateral.

Here, the loan application information may include at least one of the entrusted asset information, the loan desired amount, the loan condition, the deposit account number, the name, the telephone number, the e-mail, the address, and the rating information.

The evaluation level may include a rating of an investment trustworthiness of the borrower calculated and given by the evaluation process of the financial technology service apparatus 100. [

To this end, the financial technology service apparatus 100 communicates with the first information terminal 500 and provides screen information for receiving the loan application information from the first information terminal 500 to the first information terminal 500 .

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

The financial technology service apparatus 100 performs the lending possibility authentication process as part of the lending examination process based on the lending application information received from the first information terminal 500 (S20).

The financial technology service apparatus 100 may request the consultation support server 200 to evaluate the value of the loan application information and to make a loan possibility.

The financial technology service apparatus 100 can receive the value evaluation determination information about the entrusted asset described in the loan application information from the advisory support server 200 and determine whether the loan can be made. As a result of the determination, if the lending is possible, the lendable guidance information is transmitted to the first information terminal 500. If it is determined that the lending is impossible, the lendable guidance information can be transmitted to the first information terminal 500. [

Meanwhile, the financial technology service apparatus 100 can perform the loan demand forecasting investigation process as part of the loan examination process (S30). The loan demand forecast investigation process may be performed by a request from the first information terminal 500 and may be performed by a default setting of a loan review process performed in the financial technology service device 100. [ However, the present invention is not limited thereto, and the loan demand forecasting investigation process can be selectively applied. Therefore, the loan demand forecasting investigation process can be omitted.

The financial technology service apparatus 100 interworks with the second information terminal 600 to process various data necessary for estimating the possibility of attracting investors from the investors through the loan demand forecasting examination process, Can be performed.

That is, the financial technology service apparatus 100 can execute the loan demand forecasting examination process using the demand forecast P2P platform for the loan demand forecasting to the investors in cooperation with the second information terminal 600. [ According to the result of the loan demand prediction, the lendable guidance information or the non-lending guidance information can be transmitted to the first information terminal 500.

In addition, the financial technology service apparatus 100 interworks with the first information terminal 500 and processes and communicates electronic data and various data necessary for the lender to modify the loan conditions based on the loan demand forecast result Can be performed.

To this end, the financial technology service device 100 may generate demand forecast request information for aggregating investment available funds to be invested in non-cash asset-backed loans.

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

Accordingly, the investors participating in the demand forecast can generate the demand forecast result information by responding to the items described in the demand forecast request information items according to their own investment methods. For example, investors participating in a demand forecast can enter or choose a loanable amount. You can enter or select a loan interest rate. You can set the loan period. 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 600 and receive the demand prediction result information from the second information terminal 600. [

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 500 And if the collection amount is unsatisfactory, the non-delivery guidance information can be transmitted to the first information terminal 500.

On the other hand, the financial technology service apparatus 100 performs processing and communication of data and electronic signals necessary to enable the lender to modify the loan condition based on the result of the loan demand forecasting investigation in cooperation with the first information terminal 500 can do.

For example, the financial technology service device 100 can guide the amount collected through demand forecasting based on the demand forecast result information, and apply for a loan for the collected amount The first information terminal 500 can inquire about whether to accept the information. Accordingly, if the amount of the loan is lower than expected, the loan applicant may apply for a loan and proceed with the loan if he / she wishes to borrow even some amount of loan.

Meanwhile, the financial technology service apparatus 100 stores the demand prediction result information received from the second information terminal 600. 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 borrower's proposed loan conditions will cause on that platform. Through the demand forecasting process, the borrower can determine whether the loan condition he or she intends to propose is appropriate. For example, a borrower may be able to receive a loan even if he / she proposes conditions favorable to him / herself rather than the initial loan proposal condition submitted to the demand forecasting process. For example, a borrower 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.

Through the demand forecast investigation process, the financial technology service apparatus 100 can determine whether the loan condition of the mortgage-based investment product to be launched is appropriate. For example, the financial technology service device 100 may be able to receive a loan even if it proposes conditions favorable to the borrower, rather than a first-time loan proposal condition submitted to the demand forecasting process. In this case, the financial technology service apparatus 100 can guide the first information terminal 400 about the possibility that the attracting of investors may be prematurely terminated due to the value stability of the secured asset, and suggest a higher loan interest rate There is also a number, and it is possible to suggest a higher loan amount. In addition, the financial technology service apparatus 100 can reflect such positive demand forecast results as a reference for the loan review process.

On the other hand, the financial technology service apparatus 100 can estimate that the P2P loan can not be made as the first proposal condition submitted to the demand forecasting investigation process. In this case, since the financial profitability of the goods trading business is not evaluated positively in the current market for the application of the mortgage loan to the first information terminal 500, the financial technology service apparatus 100 may not be able to attract investors for a long period of time Which may be difficult to complete. In addition, since the financial value of the goods transaction business is not being evaluated positively in the current market for the loan application to the first information terminal 500, the financial technology service apparatus 100 needs a higher loan amount You can either offer interest rates or offer a lower loan amount. In addition, the financial technology service apparatus 100 can reflect such negative demand forecast results as references in the loan review process.

The financial technology service apparatus 100 determines whether the loan is executed based on the value evaluation and loan possibility obtained in conjunction with the advisory support server 200 with respect to the secured loan application information in the loan review process, .

For example, the financial technology service apparatus 100 may finally determine whether to execute the loan considering the value evaluation and the possibility of lending obtained through interlocking with the advisory support server 200. [ In this case, the demand forecast survey result is merely a reference for whether the loan is executed or not, and it may not be actually reflected.

For example, the financial technology service apparatus 100 can finally decide whether to execute the secured loan taking into account the demand forecast result. In this case, the feasibility evaluation and the possibility of lending obtained through interlocking with the consulting support server 200 are merely reference data internally, and may not be substantially reflected.

For example, the financial technology service apparatus 100 may finally determine whether to execute the P2P loan taking account of the possibility of the collateral availability evaluation and the lending possibility acquired through the interlocking with the advisory support server 200. [ In this case, the results of the demand forecast survey can be used as a reference for the execution of the mortgage loan and some can be reflected. In this case, the results of the demand forecast survey may not necessarily be a requirement to prevent a loan from being executed.

For example, the financial technology service apparatus 100 can finally decide whether to execute the secured loan taking into account the demand forecasting result. In this case, the possibility of collateral evaluation and the possibility of lending obtained through interlocking with the consulting support server 200 can be partially reflected as a reference for the execution of the secured loan. In this case, the possibility of collateral evaluation and the possibility of lending obtained through interlocking with the consulting support server 200 may not necessarily be a necessary requirement to prevent the lending from being executed.

For example, the financial technology service apparatus 100 can finally determine whether to execute the mortgage loan taking into consideration the possibility of the mortgage-possible evaluation and the loan obtained through interlocking with the advisory support server 200, have. In this case, the collateral feasibility evaluation obtained through interlocking with the consulting support server 200 and the possibility of lending or the result of demand forecasting may correspond to the essential requirement that the lending can not be executed.

In other words, if the mortgage feasibility evaluation and loan possibility obtained through interlocking with the consulting support server 200 and the judgment ratio are provided for each of the demand prediction investigation results, or if either of the two can not achieve the minimum rate, It may fail to execute.

If it is determined that the secured loan can be made, the financial technology service device 100 performs the loan advance process through communication of the first information terminal 500 (S40).

To this end, the first information terminal 500 may access the integrated network and perform a payment assurance completion process to secure the payment guarantee based on the loan application. The first information terminal 500 can access the integrated network and perform the corresponding process for the payment assurance process based on the loan application.

The payment assurance process may include disposing of the collateral objects set as collateral and recovering the funds in the event that the lender establishes collateral for the loaned funds and fails to comply with the payment or repayment schedule of the interest.

The payment assurance process may include the management, storage, operation, and sale of the entrusted assets set as collateral in addition to the disposition for the recovery of funds in accordance with the contents of the trust agreement.

As a result, it is possible to sell business such as unlisted stocks, listed stocks, trade receivables, loans, gift certificates, bonds, intellectual property rights, tangible property rights, intangible property rights, performances and exhibition rights, contents rights, blog operating rights, electronic money, virtual currency, Management, storage, operation, and sale of various non-cash assets and foreign currency assets with collateral value, such as a cash-for-sale plan.

For example, if a purchase plan for purchasing an item with a loan fund is set as a collateral, the payment assurance process may include receiving a part or all of the sale amount up to a predetermined amount when the article is sold.

The payment assurance process may include setting up collateral for accounts receivable in the principal place of business of the goods operated by the lender.

The payment assurance process may include setting up a joint guarantee for the CEO or internal director if the borrower is a business.

The payment assurance process may include notarizing the loan receivables.

The payment assurance process may include setting a pledge on the shareholder interest of the lender or lender to enhance the payment guarantees.

The financial technology service apparatus 100 may receive the payment guarantee completion message from the first information terminal 500. [ To this end, the first information terminal 500 may receive an input signal from the lender to confirm that the payment guarantee has been completed.

The financial technical service apparatus 100 opens an investment product based on the loan application information received from the first information terminal 500 when the loan advance process is completed and sends an investment application to the investor 6 In order to receive the investment money, the second information terminal 600 can proceed with the investment promotion and provide the investor analysis information (S50).

At this time, the financial technology service apparatus 100 can display the investment goods information so that the investment goods in which the second information terminal 600 is opened can be browsed for investment attraction. The investment product information may include entrusted asset information, investment decision information, and loan condition information.

Information on entrusted assets includes unlisted stocks, listed stocks, trade receivables, loan receivables, gift certificates, bonds, intellectual property rights, tangible property rights, intangible property rights, performances and exhibition rights, contents rights, blog operating rights, electronic money, virtual money, And may include a variety of information about non-cash assets and foreign currency assets that have collateral value, such as a funded recovery plan for the business.

Here, the entrusted asset information may include information on entrusted assets that can be viewed by investors in the loan application information.

Trusted asset information may include selected investment reference information. Investment reference information may include a summary of the loan receivable, an overview of the loan receivable, the purpose of the loan, the introduction of the loan customer, the valuation of the investment adviser, business introduction information, investor reward information,

The loan receivable summary may include the name of the loan receivable, the interest rate, the rating of the collateral, the details of the loan application, the debtor and the collateral information.

Here, the loan application details may include the type of product, the period of the loan, the amount of the loan, the loan interest rate, the repayment method, the interest payment date, the monthly interest amount, The type of product may be, for example, a general loan.

The outline of the loan receivable may include the name of the loan receivable, the details of the payment guarantee, the name of the borrower, and the identity information of the borrower.

The purpose of the loan may include the purpose for which the borrower applies for the loan.

The introduction of the loan customer may include the loan customer information and the business information. For example, the introduction of a loan customer may include the name, photograph, history, business vision, structure of a business, introduction of a company, introduction of a company employee, and article contents of a loan customer.

Valuation of investment advisors may include ratings, items, indexes and analysis opinions. For example, items can be divided into stability, profitability, liquidity, and total. The analysis opinion may include the current situation of the commodity trading business, future development possibility, expected margin rate, cash cow diagnosis contents, stability judgment information.

The risk information for the investment may include, for example, information that does not guarantee principal and return for the loan product, and that informs investors that there is a potential for loss of investment and principal.

The investment decision information may include investment decision information to which information asymmetry is applied. For example, investment decision information to which information asymmetry is applied may include formal investment decision information and non-standardized investment decision information.

The investment decision information formatted here includes the investment decision information quantified by the formal loan evaluation arithmetic expression of the loan examination process based on the application information received from the first information terminal 500 by the financial technology service apparatus 100 can do.

For example, the structured investment decision information may include a numerical index that is formulated by the financial technology service apparatus 100 to be submitted to the advisory support server 200 for evaluation of the loan application information and possibility of lending.

Meanwhile, the informal investment decision information may include information that can be viewed by the investors based on the demand forecast result information obtained through the demand prediction. For example, the informal investment decision information can be selectively included among the number of investors participating in the demand forecast survey, the estimated investment magnitude, investor information, information on the result of the investment participation check, and investment fund information.

Here, the investor information may optionally include the type of investor participating in the demand forecasting survey, the investor's job group participating in the demand forecasting survey, the company information participating in the demand forecasting survey, the non-cash asset information, the contact information, and the investment propensity information. The contact information may optionally include email, telephone number, and SNS account information. The investment propensity information may optionally 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 investment fund information may optionally include the amount of the investment fund, the investment period, and the investment type information. The investment type information may optionally include interest income investment, equity participation investment, interest income and equity participation investment.

At this time, the non-standardized investment decision information may be set to different types of information that can be browsed according to the rating of the investor. For example, informal investment decision information can be set differently among general members, specialists, special members and VIP members.

In this case, to differentiate information types that can be browsed according to the investor 's rating on informal investment decision information, it is to give practical help to investors considering the tendency of investors.

For example, a general member may lack expertise in investment relative to a professional member. Therefore, if too specialized information is listed, general members will be confused about the investment information, resulting in psychological barrier formation. However, in the case of expert members, if too general information is listed, it results in not giving psychological reliability to the investment information. Therefore, it is possible for ordinary members to judge whether or not to invest, without giving psychological burden on the investment information by providing plain information according to the eye level of general members. Likewise, expert members can provide an in-depth type of information tailored to the level of expert members, providing an opportunity for thorough review of the investment information, thereby enabling them to judge whether or not to invest effectively.

In addition, special or VIP members can be provided with more detailed information to give synchronization to specialized memberships for paid members.

In addition, the financial technology service apparatus 100 receives the investment application information from the second information terminal 600, analyzes the investors, and provides the analyzed information to the first information terminal 500.

The financial technology service apparatus 100 can classify the investors from the investment application information received from the second information terminal 600. [

For example, the financial technology service device 100 classifies each investor into investment tendency, investment amount, preference category, preferred business category, and investment preference period from the investment application information and provides investment recommendation information differently for each classified investor have.

For example, the financial technology service device 100 may preferentially provide investment reference information based on the investor preference information included in the loan application information received from the first information terminal 500. [

For example, if an arbitrary lender prefers an aggressive investor, the financial technology service device 100 may preferentially provide the investment reference information to an aggressive investor.

On the other hand, if a certain lender prefers an investor with a stable tendency, the financial technology service device 100 can preferentially provide the investment reference information to the investor with a stable tendency.

Similarly, for example, if a borrower prefers a small number of investors who invest a large amount of money, the financial technology service device 100 can preferentially provide the investment reference information to a small number of investors who invest a large amount of money .

On the other hand, if, for example, an arbitrary lender prefers a plurality of investors who invest a small amount of money, the financial technology service apparatus 100 will preferentially provide the investment reference information to a large number of investors who invest a small amount of money .

Also, the financial technology service apparatus 100 can classify investors based on the investor's investment propensity and investment history to generate investor analysis information. The financial technology service apparatus 100 may provide the generated investor analysis information to the first information terminal 500. [

At this time, the investor analysis information may include investment amount, investment preference product, investment preferred industry, investment preference period, and investor management grade for each investor.

Investor management information can be created to be used for public relations and investment attraction services. To this end, investor management information can be classified into, for example, simple investor class, participant investor class, and core investor class. Here, a simple investor class can simply include investors who have an interest in the loan interest of a P2P loan. The participating investor class may include investors who are likely to participate or participate in the business related to the entrusted assets referred to in the investment reference information. The core investor class may include investors who are willing to invest in the company.

At this time, the financial technology service apparatus 100 may communicate with the first information terminal 500 and proceed with investment inducement after settlement of the platform fee is completed.

In the case where there is a request for cancellation of the loan progress from the first information terminal 500 after the investment inducement is completed or after the investment attraction is completed, the financial technology service apparatus 100 transmits the deposited investment fee and platform fee to the investor And the platform fee refund process (S60). However, the present invention is not limited thereto, and the investment and platform fee refund process may be selectively applied or omitted according to the service policy.

In addition, the offline service device 400 provides connection information such as a QR code or a beacon for accessing the P2P financial lending service to the customers using the offline store or using the transportation means (S70)

For example, the off-line service device 400 may be provided with an access information providing module for providing access information to an off-line store or a predetermined place of the transportation means to provide the information to customers.

For example, the connection information providing module may include a QR code display unit, a barcode display unit, a beacon generator, and an RF tag.

The off-line service device 400 can induce a member of the P2P financial lending service or induce investment by allowing the customers to access the P2P financial lending service through the second information terminal 600 using the corresponding access information.

The second information terminal 600 performs the membership process and performs the investment process using the access information provided from the off-line store or the off-line service device 400 installed in the transportation means at the request of the customers using the offline service (S80 ).

When the investment attraction is normally completed, the financial technology service apparatus 100 performs a loan payment and a interest collection process to the borrower 5 (S90).

For this purpose, the financial technology service apparatus 100 can perform the loan payment and the interest collection process through the financial technology service performed in the affiliated financial institution 3 through communication with the financial support server 300.

The financial support server 300 sends a loan to the borrower 5 whose loan has been approved by the P2P-based financial technology service company 1 by the affiliated financial institution 3, And the processing and communication of various data and electronic signals required to carry out the principal repayment process regularly or irregularly.

The financial technology service apparatus 100 performs a process of paying the committed amount to the investor 6 and the offline service operating company 4 (S100)

The financial technology service apparatus 100 provides the fixed amount to the investor 6 and the customer enters the membership and invests through the access information provided by the off-line service device 400 in the off-line store or transportation means The offline service operating company 4 is provided with the agreed amount of the profit.

To this end, the financial technology service apparatus 100 stores investor information according to the investment process and loan information according to the loan execution process.

The financial technology service apparatus 100 can calculate the amount to be paid to the investor 6 and the offline service operating company 4 based on the investor information and the loan information.

The financial technology service apparatus 100 periodically or irregularly provides the amount of money calculated in conjunction with the financial support server 300 to the investor 6 and the offline service operating company 4. [

Here, the financial technology service apparatus 100 may calculate the amount to be paid to the investor 6 and the offline service operating company 4 when there is an inquiry request, and may provide the inquiry result.

The financial technology service apparatus 100 performs a risk management process, a loan expiration processing process, and a payment guarantee release process (S110).

Accordingly, the financial technology service apparatus 100 can communicate with the archive support server 600 and perform the management and risk management process for the entrusted assets set as the security.

To this end, the financial technology service apparatus 100 may periodically or irregularly receive status information on the entrusted assets set as security from the archive support server 600.

The financial technology service apparatus 100 can perform the expiration processing process on the expiration date when the expiration date is reached.

On the other hand, the financial technology service device 100 can perform the payment guarantee release process when the repayment of the loan is completed.

To this end, the first information terminal 500 requests the financial technology service apparatus 100 to perform the payment guarantee release process, and executes the payment guarantee release process to release the payment guarantee.

FIG. 5 is a flowchart illustrating a lending availability authentication process in a P2P loan financial technology service method according to an exemplary embodiment of the present invention.

Referring to FIG. 5, the first information terminal 500 transmits the credit availability certification request information to the financial technology service apparatus 100 in response to the loan application for receiving the necessary funds with the entrusted assets as collateral (S21) . To this end, the financial technology service apparatus 100 may provide the first information terminal 500 with menu screen information for allowing the first information terminal 500 to request the authentication of whether or not the first information terminal 500 can grant a loan. Accordingly, the first information terminal 500 can complete the loan availability certification request based on the loan application from the menu displayed on the screen information provided by the financial technology service device 100. [

The financial technology service apparatus 100 transmits the value evaluation request information about the entrusted asset to the advisory support server 300 (S22).

The valuation request information is request information inquiring whether the entrusted asset can be the basis of the payment guarantee. The valuation request information may be transmitted to the advisory support server 200 by the financial technology service device 100, but the present invention is not limited thereto.

The financial technology service apparatus 100 receives the valuation determination information on the entrusted asset from the advisory support server 200 (S23).

The financial technology service apparatus 100 determines whether the payment guarantee for executing the loan is possible by setting the corresponding entrusted asset as collateral from the value evaluation decision information on the entrusted asset (S24). If it is determined that payment can be assured, the creditable guidance information is transmitted to the first information terminal 500 (S25).

If it is determined that the payment guarantee can not be made from the valuation determination information on the collateral object to be collateralized (S24), the financial technology service device 100 transmits the non-performing charity guidance information to the first information terminal 500 (S26) .

6 is a flowchart illustrating a loan demand forecasting investigation process in a P2P loan financial technology service method according to an embodiment of the present invention.

Referring to FIG. 6, the financial technology service apparatus 100 may generate demand forecasting information by aggregating available funds to be invested using the demand forecast P2P platform according to the loan demand forecasting investigation process (S31). The loan demand forecast investigation process may be performed by a request from the first information terminal 500 and may be performed by a default setting of a loan review process performed in the financial technology service device 100. [

Here, the demand prediction request information may be generated based on the loan application information received from the first information terminal 500 by the financial technology service apparatus 100 and stored therein.

In addition, the investment allowable amount count check information includes the value evaluation result data for the collateral object for loan received from the consultation support server 200, the failure probability information of the business related to the collateral object, May be generated based on information.

Accordingly, the financial technology service device 100 can transmit the demand prediction request information for the investment available funds to the second information terminal 600 (S32).

The demand forecast request information may include investment participation check information to see if there is an intention to participate in the investment for the loan. In addition, the demand forecast request information includes loan application information for estimating demand, evaluation result data for a collateral object, information on the result of value calculation, information on a failure probability of a business related to the collateral object, Information, 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 600 (S33).

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 type of investor participating in the demand forecast survey, the investor's job group participating in the demand forecast survey, the company information participating in the demand forecast survey, the non-cash asset information, the contact information, and the investment propensity information. The contact information may include email, telephone number, and SNS account 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 investment fund information may optionally include, for example, the amount of investment funds, the investment period, and the investment type information. The investment type information can optionally include, for example, interest income investment, profit sharing investment, equity participation investment, and differential investment. However, the present invention is not limited thereto and may include various investment fund information or investment type information. 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 (S34). In accordance with the determination result, the financial technology service device 100 transmits the lendable guidance information to the first information terminal 500 (S35).

On the other hand, if the collection amount is unsatisfactory according to the determination result, the financial technology service device 100 transmits the non-circulation guidance information to the first information terminal 500 (S36).

7 is a diagram for explaining an application example of an offline interworking-based P2P loan financial service according to an embodiment of the present invention.

Referring to FIG. 7, in a offline P2P loan financial service according to an exemplary embodiment of the present invention, a financial technology service company 11 that provides a P2P financial loan service on-line and an offline infrastructure are established through the operation of an offline store It is possible to implement the O2O service through business cooperation between the off-line service operating companies 14 that are in charge of the service.

In order to provide P2P loan financial services based on the offline link, the financial technology service company 11 may be requested to support the new menu promotion through the event from the offline service operating company 14 through business cooperation (S1).

Accordingly, the financial technology service company 11 can open an online event on the website or SNS operated by the financial technology service company 11 and support the publicity of the newly released new menu by the offline service operating company 14 .

On the other hand, the financial technology service company 11 can request the offline service operating company 14 to provide the access information through the provision of the QR code or the beacon and induce the member subscription (S2).

Accordingly, the offline service operating company 14 can provide the access information to the customers 16 visiting the offline store through providing a QR code or a beacon.

For example, the offline service operating company 14 may form a QR code in the cup holder and provide it to the customers 16.

However, the present invention is not limited to this, and various information identification codes such as a bar code can be used in addition to the QR code.

The offline service operating company 14 may induce the user to join the P2P financial lending service or induce the investment by allowing the customers 16 to access the P2P financial lending service through the information terminal using the QR code or beacon S3).

The customers 16 visiting the offline store can make a membership and make an investment by using the QR code or beacon provided from the offline service operating company 14 (S4).

The financial technology service company 11 registers at least part of the profits generated by investing in the QR code or beacon provided by the offline service operating company 14 among the shop visiting customers 16 to the offline service operating company 14) (S5).

8 is a diagram for explaining an expected effect of offline offline P2P loan financial service according to an embodiment of the present invention.

Referring to FIG. 8, a financial technology service company 11 operating a P2P financial lending service selects an offline service operating company 14, which operates a relatively large number of offline stores in its 20s and 30s, Can propose business cooperation for loan financial services.

This is based on the assumption that those in their 20s and 30s, who occupy a large proportion of customers using offline stores, are ages that are interested in technology.

Therefore, by attracting customers in their 20s and 30s who use offline stores in terms of financial technology service companies (11), they can attract future potential customers and invest capital.

A financial technology service company (11) can provide an opportunity for customers using the offline store to participate as a member of the P2P financial lending service and to experience profit after micro funding.

On the other hand, the offline service operating company 14 can have a chance to promote the new menu in the offline store through the business cooperation with the financial technology service company 11 to the customers in their twenties and thirties.

In addition, the off-line service operating company 14 can have a profit-generating effect on each other through continuous collaboration with the financial technology service company 11. [

9 is a view for explaining an example of utilization of offline offline P2P loan financial service according to an embodiment of the present invention.

Referring to FIG. 9, the offline service operating company 14 can promote a newly launched new menu while guiding the user to visit a P2P financial loan service website operated by the financial technology service company 11 on-line or off-line. The offline service operating company 14 is guiding the procedure of accessing the P2P financial lending service operated by the financial technology service company 11 step by step.

FIG. 10 is a diagram for explaining an application example of an offline interworking-based P2P loan financial service according to an embodiment of the present invention.

Referring to FIG. 10, the offline service operating company 14 visits the P2P financial loan service SNS account operated by the financial technology service company 11 on-line or off-line to induce the execution of the requested mission, You can promote.

FIG. 11 is a diagram for explaining on-line and off-line interworking by an offline interworking-based P2P loan financial service according to an embodiment of the present invention.

Referring to FIG. 11, the financial technology service company 11 transmits various products of the off-line store operated by the offline service operating company 14 on the web site operated by the financial technology service company 11 or on the SNS online, And the like.

A consumer who has experienced various products of the offline store due to the online activity of the financial technology service company (11) is able to visit the offline store and purchase the favorable product.

Meanwhile, the offline service operating company 14 can provide a QR code or beacon for accessing P2P financial services to the customers targeted by the P2P financial lending service, and can introduce it into the online P2P financial lending service in the store space.

Accordingly, the P2P financial lending service can be effectively promoted to the same in-store customer as the target customer of the P2P financial lending service.

Offline Link-based P2P Loan As online and offline linkage is made by financial services, O2O is used to break down the online and offline walls and advertise at a low cost through website or SNS marketing and to combine offline advantages of actual consumption can do.

In addition, customers targeted by P2P financial lending services can be introduced into online P2P service from offline stores.

FIG. 12 is a diagram for explaining an on-line and off-line interlocking effect by an offline interworking-based P2P loan financial service according to an embodiment of the present invention.

Referring to FIG. 12, it is possible to predict the effect of the business cooperation between the A company operating the offline store and the B company performing the P2P financial loan service.

From the publicity side, A company can promote new products and products. It is possible to induce appropriate PR marketing for 20-30 target who are interested in investment tech.

On the activation side, we can achieve online and offline customer activation. Aura's peer-to-peer financing and off-line A-company customers can stimulate participation.

In terms of events, it is possible to maximize the event through collaboration among each other. Company B's events can be used to expose A company's new menu, and company A's menu can be used to induce B company event participation.

In terms of revenue sharing, it is possible to distribute the revenues generated through investment revitalization. Investment through O2O can make it possible to share revenue with each other.

FIG. 13 is a diagram for explaining the concept of an offline interworking-based P2P loan financial service according to another embodiment of the present invention.

Referring to FIG. 13, in the offline offline P2P loan financial service according to another embodiment of the present invention, a financial technology service company 21 provided on-line and a vehicle establishing an offline infrastructure through the operation of a vehicle sharing service It is possible to implement the O2O service through business cooperation between the shared service operating companies 24.

For offline offline P2P loan financial services, the financial technology service company 21 may install a QR code display unit or a beacon to the vehicle sharing service operating company 24 and build a marketing tool (S11).

Accordingly, the QR code display unit or the beacon is installed in each vehicle for the vehicle sharing service operated by the vehicle sharing service operating company 24, and the customers 26 using the vehicle or the customers using the app service for the vehicle sharing service A marketing tool may be established to allow the user terminal 26 to access the P2P financial lending service.

The vehicle sharing service operating company 24 provides a vehicle sharing service platform to the financial technology service company 21 (S12).

Accordingly, the financial technology service company 21 can operate the vehicle sharing service platform provided from the vehicle sharing service operating company 24 to provide a product of the P2P financial lending service as a pop-up to the vehicle sharing service.

The vehicle sharing service operating company 24 may provide the product information of the P2P financial lending service as a pop-up to the vehicle sharing service in response to a request of the financial technology service company 21 linked to the vehicle sharing service platform to induce the investment S13).

The customer 26 using the vehicle sharing service can generate a profit by making a membership and making an investment based on the P2P financial loan service product information provided as a popup.

In addition, the vehicle sharing service operating company 24 allows the customers 26 on the vehicle to access the P2P financial lending service through the customer's information terminal using the QR code or beacon, thereby inducing membership of the P2P financial lending service Or induce investment.

Customers who ride on the vehicle can use the QR code provided from the QR code display unit installed in the vehicle or the beacon information provided from the beacon to generate a profit by making a membership and investing in the P2P financial loan service.

The financial technology service company 21 is a service provider of the financial services company 21, in which the customer 26 who uses the vehicle sharing service receives the revenue generated by making membership and investing through the pop-up service, The beacon information provided from the beacon may be used to register and at least a part of the profit generated by the investment may be shared with the vehicle sharing service operating company 24 (S15).

FIG. 14 is a diagram for explaining a target customer having a similar tendency in an offline interworking-based P2P loan financial service according to another embodiment of the present invention.

Referring to FIG. 14, it can be seen that the P2P financial lending service and the vehicle sharing service have similar target customers in offline offline P2P loan financial service according to another embodiment of the present invention.

For example, a customer of a vehicle sharing service is a user who enjoys an innovative technology service sharing a vehicle using an information terminal. In response, customers of P2P financial lending services are customers using innovative investment products of P2P financing.

In addition, the vehicle sharing service has a technology platform for connecting a passenger and a driver to one information terminal button.

In response, the P2P financial loan service is a P2P financial platform service that connects lenders and investors online

Vehicle sharing services are vehicle-free services that do not own vehicles and driverless transportation services.

In response, P2P financial lending services are financial services that do not have existing off-line financial companies.

Vehicle sharing services can serve as a hub to connect passengers and drivers with mobile apps.

In response, the P2P financial lending service can serve as a hub for connecting lenders and investors.

In other words, it has the advantage of introducing another P2P financial product to users who share new values with innovative technologies that are not existing ones.

FIG. 15 is a view for explaining the effect of offline offline P2P loan financial service according to another embodiment of the present invention.

Referring to FIG. 15, a customer enjoying a mobile vehicle reservation service can introduce a P2P financial product derived from FinTech financing.

Also, a user who accesses the P2P financial lending service through the beacon installed in the vehicle can share at least a part of the profit generated by the investment in the P2P financial lending service to the vehicle sharing service company.

FIG. 16 is a diagram for explaining an expected business effect of offline offline P2P based loan financial service according to another embodiment of the present invention.

Referring to FIG. 16, it is possible to share a profit after installing a QR code display unit or a beacon in, for example, about 50 taxi stands in terms of profit generation. The introduction of P2P financing can reduce advertising costs for target customers.

In terms of promotional effect, it is possible to promote P2P finance to taxi users through QR code or beacon. Various marketing cooperation is possible through QR code or beacon installed in taxi.

In terms of acquiring new technology base, QR code or beacon can be installed in offline market next generation marketing tool.

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.

In the embodiment of the present invention, the method of providing investment and business cooperation information of the investment recruitment-based loan financial service in which the loan is executed to the lender who desires the P2P loan of the necessary funds with the entrusted assets as collateral is explained in detail. Here, the commodity trading business can include business for trading various types of commodities that can be done on-off-line. For example, the commodity trading business may include online commodity trading, offline commodity trading, luxury goods transaction, duty-free shop transaction, internet shopping, home shopping, mobile shopping, etc., which require the cost of entering goods or prepayment.

He also explained how to borrow funds from investors who want to invest their cash assets in a crowd-funded way.

However, in the embodiment of the present invention, the description of the conventional procedures of the loan, the P2P loan, the crowd funding, and the data and the electronic signal for performing the procedure are omitted, Can be. If the knowledge of the relevant fields is such that they can be variously selected and implemented by a common procedure, data and electronic signal processing, it is possible to implement the P2P loan finance technology service method It can be seen that various implementations are possible.

Further, in the embodiment of the present invention, an investment recruitment-based loan financial service in which a loan is executed to a borrower with a trust asset as a security has been described. However, the present invention is not limited to this and can be applied to various investment recruitment-based loan financial services.

For example, in another embodiment of the present invention, an application of investment recruitment-based loan financial services includes stock (listed stock, unlisted stock) collateral, budget plan collateral, loan collateral, automobile collateral, antique collateral, art collateral, , Various kinds of collateral such as performances collateral, performance event collateral, broadcasting content transaction guarantee, plan collateral, plan finance collateral, currency collateral, collateralized payment of collateral, real estate collateral, movable property collateral and intellectual property collateral. It is possible to apply it to an investment recruitment-based loan financial service that executes a loan.

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 (10)

A financial technical service apparatus for a financial technology service company transmits information of entrusted assets established as collateral based on the loan application information received from the first information terminal for borrowers and investment reference information for attracting the investment through communication with the financial support server And the like, and proceeds to attract investment;
Providing the offline service device with access information for attracting customers using the offline store or using the transportation means to the second information terminal for the investor;
Wherein the financial technical service device transmits, via communication with the financial support server, an investment received from the second information terminal for the investor in response to a request of a customer who has joined the service as an investor using the connection information provided from the offline service device Performing processing of data and electronic signals for transferring a loan based on the application information, transferring the loan to the account specified in the loan application information by executing the P2P loan with the entrusted asset as a security;
The offline service device for the offline service operating company requests the financial technology service device for the financial technology service company to promote the offline service through the event (including support for the promotion of the new menu or the support for the new service);
The financial technology service device for the financial technology service company opens an online event for supporting the promotion of a new service or a new menu newly released by the offline service operating company to a website or SNS operated by the financial technology service company ;
The financial technology service device for the financial technology service company transmits event information provided to the investor from the offline service operating company used by the investor to the second information terminal for the investor to the investor participating in the investment recruitment process The steps provided by the query result; And
And the financial technical service apparatus communicating with the financial support server to perform the process of providing the investor with the money source to the offline service operating company corresponding to the offline service apparatus, respectively, based on the investment application information An Offline Linked P2P Loan Financial Service Method.
delete The method according to claim 1, wherein the offline service device
A QR code display unit, a barcode display unit, a beacon generator, or an RF tag to provide the access information.
delete delete delete delete A data storage unit for storing investor information according to the investment recruitment process and loan information according to the loan execution process; And
Discloses investment commodity information including information on entrusted assets set as security and investment reference information for attracting investment based on loan application information received from the first information terminal for the lender through communication with the financial support server, In order to attract investors and to attract customers using offline stores or transportation, investors are required to register as investors by accessing information provided from off-line service devices for offline service companies. The data for transferring the loan based on the investment application information received from the second information terminal for transferring the loan to the account specified in the loan application information by executing the P2P loan with the entrusted asset as collateral And for the off-line service operating company (Including new news promotion support or new service promotion support) via the event service from the website service provider, the website service or the SNS operated by the financial service company, An online event for supporting the promotion of new services or new menus is opened and event information provided to the investor from the offline service operating company used by the investor for the investor participating in the investment recruitment process is provided to the investor And a processor for performing a process of providing a money source to the investor and an offline service operating company corresponding to the offline service apparatus on the basis of the investment application information, Financial machine Alcohol service equipment.
delete 9. The apparatus of claim 8, wherein the offline service device provides the access information using at least one of a QR code display part, a barcode display part, a beacon generator, or an RF tag.

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